HomeMy WebLinkAbout11-3998IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MIDLAND FUNDING LLC
8875 AERO DR
SAN DIEGO CA 92123
Plaintiff
Vs.
CRYSTAL PEFFER
862 CARLWYNNE MANOR APT 212
CARLISLE PA 17013
CIVIL ACTION
QI 0" C i h 1 >° r
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
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MIDLAND FUNDING LLC,
Plaintiff
State of PENNSYLVANIA
COUNTY OF
-vs- COMPLAINT
CRYSTAL PEFFER,
Defendant(s).
w
v
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
4266841036206256 (MCM Number 8534646815) (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 2009-10-02.
6. The account shows that the defendant(s) owe(s) a balance of $8101.26.
7. Attached hereto, upon information and belief, is a true and correct copy of the credit
agreement provided to plaintiff as either the actual agreement applicable to defendant, or an
exemplar of such agreement
By:
Page - 1
?M=111 I1„"N"1' I11N,1„"
8534646815 AFFINDEBT E 10-3769
Verification
Ashley Hoffman, 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.
APR 0 S 2011
Date
Ashley
STATE OF MINNESOTA
COUNTY OF STEARNS
Signed and sworn to (or affirmed) before me o
(Seal)
;.. E ASHLEY MAE LASHINSKI
I Notary Pt! !±c-x;11 n s+?ta
my Commsssion Expires Jan.31, 2015
PA38
Edwin A. Abrahamsen & Associates, EC.
My commission expires:
Page - 2
EMIR 11111111HI1 11111111111
8534646815 AFFINDEBT E 10-3769
Depl. 12421
PO Box 603
Oaks, PA 19456
I II
ICI¦N?INI¦INM¦NIINII III¦IIIIIIII
09-16-2010
#BWNHLTH 16321 3148
#0000 0853 4646 81 51#
CRYSTAL PEFFER
862 CARLWYNNE MNR APT 212
CARLISLE, PA 170134514
Dear CRYSTAL PEFFER,
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
it
your
to initiate legal action to satisfy the debt. Upon receipt of this notice, h
us
work with
thin account goes
please call immediately to discuss your options. attorney.
If we don't hear from you or receive payment by 10-16-2010, we may crsdtt report will
proceed with forwarding this account to an attorney. ?ppdeied
with the
is made.
What do you need to do to stop this process from continuing? you make all of your
mi payment(s)
1) Mail in $250 and call to set up your remaining payments, or your account,
Arta report will be
2) Call us today to see how to qualify for discounts and affordable as'Paid in Full'I'
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: CALL US TODAY!
(800) 939-2353
(800) 939-2353
Midland Credit Management
(800) 939-2353
PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION AND MHours a Operation:
-Th 6am - 7pm;
ADDITIONAL DETAILS ABOUT YOUR ACCOUNT. Fri 6am - 5pm;
Sat 6am - 2:30pm PST
` Your credit report will not be updated if the federal reporting period has expired.
Please tear off and return lower portion with payment in the envelope provided
MCM Account No.: 8534646815
Current Balance: $8,255.70
Payment Due Date: 10-16-2010
Amount Enclosed:
Make check payable to: Midland Credit
Management, Inc.
mCmMidland Credit Management, Inc
P.O. Box 60578
Los Angeles, CA 90060.0578
11111111?1111?11111111111111,1111?111111111?11111111111111?111
12 8534646815 1 0825570 101610 4
0
ri
'a
16321-3A69- 3149
_ Midland Credit
Management, Inc.
M c m ODept. 12421
aks, PA 19456
STATEMENT
MGM Account #: 8534646815 Previous Balance:
$8.101.26
Original Account #: 4266841036206256 Interest Rate:
6.00%
Statement Date: o9-16-2010 Due Date: 10-16-2010 Accrued Interest:
$154.44
Current Owner: Midland Funding
LLC Original Creditor: CHASE BANK USA N.A. Current Balance:
$8,255.70
Due Date Date Received Transactions Amount
10-16-2010 09-16-2010 The above-referenced account was purchased by $8,255.70
Midland Funding LLC and is serviced by Midland
Credit Management, Inc. ("MCM"). The balance of
$8255.70 is due now.
Please direct all correspondence to: Midland Credit
Management. Inc.
Current Balance:
$8,255.70
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.
Statement for account number: 4266 8418 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$9,006.26 02/19/08 $1,621.00 $2,477.26
Make your core- payable Chase Card Services.
Amount Enclosed $ New address ore-mail? Print nt on back.
426684103620625600247726009006260000008
78713 BEX Z 02508 ? 11111111111111111111111 111111111111111 / 1111111111111111111 I I I 1
CRYSTAL PEFFER
862 CARLWYNNE MNR APT 212 CARDMEMBER SERVICE
CARLISLE PA 1701341514 PO BOX 15153
WILMINGTON DE 19886-5153
61JII11111111/11111,1111111ddd111dIJ1J111111J11111111
1:5000160281: 20 3 10 36 206 2 56 2iia
OpeninglClosmg Date: 12/26/07 - 01/25/06 CUSTOMER SERVICE
Payment Due Date:
CHASE O 02/19/08 In U
S. 1-800-945-2000
'
Minimum Payment Due: .
$2,477.26 Espa W
14888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. tail collect
VISA ACCOUNT SUMMARY Account Number: 4266 e410 3620 6256 1-302-594-8200
Previous Balance $8,710.57 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Purchases, Cash, Debits +$70.00 Available Credit ,
15298
$0
Finance Charges +$225.69 Cash Access Line , DE 19850
Winirgton DE -5298
Wilmington,
$1,700
New Balance $9,006,26 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19866-5153
VISIT US AT:
www.chese.con9creditcards
The outstanding balance on your credit card account is scheduled to be written off as a bad debt
shortly. As a result, your credit bureau will be updated with a negative rating that could last for
up to seven years. We can still help, but you need to cap us now at 1-888-792-7547 (tolled
1-302-594-8200).
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
01120 LATE FEE $35 - -
12/26 OVERLIMIT FEE 35.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08216% 29.99% $3,959.51 $100.85 $0.00 $0.00 $100.85
Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer V.08216% 29.99% $4,901.48 $124.84 $0.00 $0.00 $124.84
Total finance charges
$225.69
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 0 9 000 N Z 25 0&01125 Peg. 1 of 1 05686 MAMA 78713 02510000090007871301
Address Change Request
Please provide information below only it the address information on front is incorrect.
Street Address:
City:
State:
Zip:
Home Phone:
Work Phone:
E-mail Address:
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
: calling the Customer Service number found on the front of your statement,
Advisors are always available to assist you. You can reach an Advisor by
ttli? pressing 0 after you enter you account number.
Crediting of Payments: For payments by regular U S- mail, send at least
your mmimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order..
payable in U.S Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
- in ust be accompanied by the payment coupon in the envelope provided with
= our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips. tape or correspondence included with your payment It your
payment is ;n accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day if you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
All be subject to any processing times disclosed for those payments.
Account Infoniatien Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report. If you think we have reported inaccurate information to a credit
bureau. you may write to kus at the Cardmember Service address listed on
your billing statement.
Notice Abouf Electronic Cheek Conversion: When you provide a check as
payment. you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction When we use information from your check
to make an electronic fund transfer, funds may be Withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full' or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services. P.O. Box 15049.
Wilmington. DE 19850-5049. We reserve all our rights regarding these
payments (e d- if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept die check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning It to you.. not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account.
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
`ea does not affect our rights to close your account and to limit your right to
crake transactions on your account If your account is closed by you or us.
vie will continue to charge the annual fee unlil you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement separately for
each feature (e. g., balance transferloorrveniemce checks and cash advance
checks ' check transaction'). purchases, balance transfers, cash advances.
promotional balances or overdraft advances). These calculations may
combme 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 it 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
??ardmenber Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
including fees. unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments, Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account. or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
a' 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 penodic rate to get your penodic 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 dairy
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add you daily balances
and divide by the number of the days in the applicable billing cycle(s) If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s). and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle. except for minorvariations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of you New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions. or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" sachem on
this statement, 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 shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also. for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead. they accumulate from billing cycle to billing cycle.
This is referred to as `deferred interest' If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges wN be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill is
wrong, orif you need more information about a transaction on your bill, write
Cardmerber Service on a separate sheet at PO. Box 15299 Wilmington. DE
19850.5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared
You can telephone us, but doing so will not preserve your rights.
In your letter. give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain.. if you can. why you believe there is an error
If you need more information, describe the item you are unsure about
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong, To stop the payment, your latter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before his autornatic payment is scheduled
to occur.
Special RWe for Credit Card Porchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. Time limitations
do not apply if we own or operate the merchant. or if we mailed you the
advertisement for the property or services.
NAA021207
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$6,710.57 01/19/08 $1,288.00 $1,831.57
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on beck.
426684103620625600183157008710570000006
54757 BEX Z 35907 D ll 1111I11111111111111111111111111111111111111111111111111111 I I
CRYSTAL PEFFER
862 CARLWYNNE MNR APT 212 CARDMEMBER SERVICE
CARLISLE PA 17013 4514 PO BOX 15153
WILMINGTON DE 19886-5153
IIIdII1/111111111dI11111111dJd111111d11L1111111dJ1r11
1: 5000 160 281: 20 3 i0 36 20 6 2 56 2119
Openinp/Gosinp Date: 11/26!07 - 12/25/07 CUSTOMER SERVICE
CHASE ® Payment Due Date: 01/19108 In U.S. 1-800-945-2000
Minimum Payment Due: $1,831.57 Espaw 14888-446-3308
TDO 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call tolled
VISA ACCOUNT SUMMARY Account Number: 4266 84103620 6256 1-302-594-8200
Previous Balance $8,464.28 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Purchases, Cash, Debits +$35.00 Available Credit ,
Box 15298
$0
Finance Charges +$211.29 Cash Access Line Wilmington, DE
DE 19850-5298
$1,700
New Balance $6,710.57 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www. chase.corrdcreditca rds
You haven't made the required payments and your credit card account is 150 days past due.
You can still turn things around. Call us today at 1-888-792-7547 (collect 1-302-594.8200) so
that we can find a solution for your situation.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
12121 LATE FEE $35.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .08216% 29.99% $3,791.52 $93.46 $0.00 $0.00 $93.46
Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer V.08216% 29.99% $4,780.21 $117.83 $0.00 $0.00 $117.83
Total finance charges
$211.29
Effective Annual Percentage Rate (APR): 29.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 5 000 N Z 25 0711225 Page 1 of 1 05686 MAMA 54757 35810000050005475701
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address:
City:
State:
Zip: ----- -
Home Phone: --- ---
Work Phone: --- ---
E-mail Address:
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement
.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular 15 mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order,
payable in U S Dollars, and drawn on or payable through a U.S, financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
m ust be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window:. the envelope cannot
contain more than one payment or coupon: and there can be no staples,
Paper clips face or correspondence included with your payment. It your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
vie 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 or your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, of our web site
will be subject to any processing times disclosed for those payments.
Ascend Infomation Reported to Credit Bunaas: 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 its at the Cardmember Service address listed on
your billing statement.
Notice About Eledraric Check Conversion: When you provide a check as
payment. you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer. funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial Institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked `paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.0. Box 15049.
Wilmington DE 19850-5049. We reserve all our rights regarding these
payments (e g-. if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning It to you, not cashing it or destroying it All other
payments that you make should be sent to the appropriate payment address
Annual Renewal Notice: If your account has an annual 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 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 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 relationship,
Explanation of Finance Charges: We calculate periodic finance charges
using the applicable periodic rates shown on this statement separately for
each feature (e.g.. balance transfer/convenience checks and cash advance
checks f"check transaction'). purchases. balance transfers. cash advances.
promotional balances or overdraft advances) These calculations may
omnbine different categories with the same daily periodic rates. If there is a
`V" next to a Periodic rate on this statement that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges.. and a transaction finance charge for each balance transfer.
cash advance. or check transaction, in the amounts stated in your
Cardmember Agreement. as amended.
To get the daily balance for each day of the current billing cycle. we take the
beginning balance for each feature, add any new transactions or other debits
(including fees unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, one 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
o` 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 mndtipy the daily
balance by the daily periodic rate to gat your parodic finance charges for
that day We then add these periodic finance charges to your daily balance
to gel 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 biting cycle to calculate the daily periodic finance charge each day)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s) If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s). and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for m inor vanatlons due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by hie date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifytag Promotional Financing" section on
tuts $taEement, 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 Now Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Oualiyir g Promotional Financing balances. periodic finance
charges accrue during the promotional period but are not added to your
account balance- Instead. they accumulate from billing cyde to billing cycle.
This is referred to as 'deterred interest.' If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to youraccount as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Empire or Qvestiau About You Bill: 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.0. Box 15299 Wilmington, DE
19850.5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will 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
It you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action To collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rlle for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check). and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 [Hiles 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 servim.
IOA021207
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment
CHASE O
$8,464.28 12/20107 $957.00 $1,288.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
426684103620625600128800008464280000008
13570 BEX Z 32907D 6r?IIIJ1rLrl,Ld1r16rrldrrrrllrlmlmlrOrrldrlrl L111r11
CRYSTAL PEFFER
862 CARLWYNNE MNR APT 212 CARDMEMBER SERVICE
CARLISLE PA 17013-4514 PO BOX 15153
WILMINGTON DE 19886-5153
lu?lllroll!nnnllullulnlll?lrurlltlnlrllrnrlrltllul
1:5000160 28i: 2031036 206 256 211¦
Opening/Closing Date: 10/26/07 -11125/07 CUSTOMER SERVICE
O Payment Due Date:
CHASE 12/20/07 In U.S. 1-800-945-2000
Minimum Payment Due: $1.288.00 EspaAol 1-888446-3308
TDD 1400-955-8060
Pay by phone 1-800-036-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594-8200
Previous Balance $8,217.21 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Purchases, Cash, Debits +$35.00 Available Credit ,
Box 15298
$35
Finance Charges +$212.07 Cash Access Line Wilmington, , DE
DE 19850-5298
$1,700
New Balance $8,484,28 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.ocim/creditcerds
It's 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. Call 1.888-792-7547 (collect
1-302-594-8200) today.
The new APR and promotional rate expiration reflected on this statement is a result of a late
payment on your account. For your convenience, you can always pay online by accessing our
website displayed on this statement.
TRANSACTIONS
Trans - Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
11/20 LATE FEE 35.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08216% 29.99% $3,664.10 $93.33 $0.00 $0.00 $93.33
Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer V.08216% 29.99% $4,661.97 $118.74 $0.00 $0.00 $118.74
Total finance charges
$212.07
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 toted 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 0000W1 FI533335 D IO 000 N Z 25 07/1125 Page 1 011 0%86 MA MA 13570 32910000100001357001
Address Change Request
Please provide information below only II the address information on front is incorrect.
Street Address: - ----------------
City: - ------ ----
State: --
Zip. -----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: -
L
Infomobon About Your Account
Lost or stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail, send at least
your minimum payment due to our post office box designated for payments
shown an this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order.
payable in U S Dollars. and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
m ust be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window, the envelope cannot
contain more than one payment or coupon: and there can be no staples..
paper clips. tape or correspondence included with your payment. 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 ttisstatement, 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 p.m.
local tim a at our post office box designated for payments on this statement,
we will credit it to your account as of the next day If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
well be subject to any processing times disclosed for those payments.
Account Infornintion Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
repoil. If you think we have reported inaccurate information to a credit
bureau, you may write to as at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full' or
contains a similar notation. or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049.
Wilmington DE 19850-5049- We reserve all our rights regarding these
payments (e g.. if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept die check and you
well still owe any remaining balance), We may refuse to accept any such
payment by returning it to you, not cashing it or destroying It. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: if your account has an annual fee, it will be billed
each year or in monthly installments. whether or not you use your account.
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your fight to
make transactions on your account if your account is closed by you or us,
we will continua to charge the annual fee unlit you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement. separately for
each feature (e.g.. balance transfer/corvenience checks and cash advance
checks ("check transactor"). purchases. balance transfers, cash advances.
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
"V" next to a periodic rate on this statement. that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement. as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges, and a transaction finance charge for each balance transfer.
cash advance, or check transaction, in the amounts stated in your
iardmemmber Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
d our choice;. Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to 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 dally 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 daiy 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 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 average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minorvariabons due to rounding. To get yourtotal periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies. multiply the
average daily balance for each feature by the applicable monthly periodic WE
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
Bids statement, 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 shows that a minimum payment
is due. we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances. periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as 'deferred interest:' If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your CardmernberAgreement, the deferred finance charges will be added
to your account as soon as me date of default.
BILLING RIGHTS SUMMARY
In Case of Entire or Questions About Your Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared
You can telephone us, but doing so will not preserve your rights.
In your letter. give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain. if you can, why you believe there is an error
If you need more information, describe the iteim 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 irwasdgate your question, we cannot report you as
delinquent or take action to collect the amount you question, If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong To stop the payment your letter or call (using the Cardmember
Service address ortelephons numbershown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Porehasn: If you have a problem with the
quality of goods or services thatyou purchased witha credit card (excluding
purchases made with a check), and you have tned in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply it we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment
CHASE O
$6.217.21 11119/07 $740.00 $957.00
Amount Enclosed Make your check payable to Chase Card Services.
$ New address or e-mail? Print on beck.
426684103620625600095700008217210000007
14290 Inrillllulnl111rl/rl11r11 rluulillllnrllalllulillrllnl
CRYSTAL PEEPER
862 CARLWYNNE MNR APT 212 CARDMEMBER SERVICE
CARLISLE PA 17013-4514 PO BOX 15153
WILMINGTON DE 19886-5153
Lrdllrrr11111?1rdIrr11r1Lr1d1LrrrILLdJLrrJJd11J
1:5000160281: 2031036 206 256 211,
CHASE openmg/Closing Date:
Payment Due Date: 09/26/07 - 10/25/07 CUSTOMER SERVICE
11/19/07 I
U
S
1
Minimum Payment Due: n
.
.
-800-945-2000
$957
00
.
Espeflol 14688-446-3308
TDD 14WO-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1302-59"200
Previous Balance $8,081.96 Total Credit Line ACCOUNT
INQUIRIES
$8
500
Purchases, Cash, Debits +$35.00 Available Credit ,
Box
15298
$282
Finance Charges +$100,25 Cash Access Line
Wmingtonn, DE
Wilmington, DE 19850-5298
$1,700
New Balance $8,21721 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886.5153
VISIT US AT:
www.chase.oDmicreditcards
You haven't made the required payments and your credit card account is 90 days past due. As
a result, your credit bureau may be updated with a negative rating. Please send your payment
immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
10/21 LATE FEE 35.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .04107% 14.99% $3,560.54 $43.87 $0.00 $0.00 $43.87
Cash advances 04107% 14.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .04107% 14.99% $4,575.59 $56.38 $0.00 $0.00 $56.38
Total finance charges $100.25
Effective Annual Percentage Rate (APR): 14.99%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 0 10 000 N Z 25 07/1025 Page 1 of 1 05086 MAMA 14290 29e10000100001429001
Address Change 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:
L
Information About Your Account
Last or Stolen Cards: Please retort 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. Wife your account number on your check or money order. Payments
in ust be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window the envelope cannot
contain more than ono payment or coupon: and there can be no staples..
Paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m. local time at
our post office box designated for paym ants on this statement, we will credit
[lie payment to your account as of that day. I f yo ur payment is in accordance
with our payment instructions, but is made available to us after 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
All be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Boreaes: 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 its at the Cardmember Service address listed on
your billing statement
Notice About Electronic Creek Convention: When you provide a check as
payment. you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer. funds may be withdrawn from your
account as soon as the same day we receive your payment, and you wig not
receive your check back from your financial Institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked `paid in full" or
Pontoons 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 die check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning It to you. not cashing it or destroying It. All other
payments that you make should be sent to the appropriate payment address
Annual Renewal Notice: If your account has an annual fee, it will be billed
aach 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
yc 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
lee does not affect our rights to close your account and to limit your right to
make transactions on your account If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement separately for
each feature (e.g., balance transfer/corrvenierce 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
moax 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 billbhg cycle in which you owe any periodic
finance charges. and a transaction finance charge for each balance transfer.
ash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance tar each feature, add any new transactions or other debits
(including fees. unpaid finance charges and other charges), subtract arty
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account. or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
o` our choice!. Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges for
that day We than add these periodic finance charges to your daily balance
to gel the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the 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 average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for m inor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle. except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges or new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions. or
overdraft advances.
In addition, if there is a "Gualilyiag Promotional Financing" section an
this sbtemeat, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by fie 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 gm e
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Oualifying 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 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 Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Enas or grandest About Your Bill: If you think your bill is
wrong, art you need more information about a transaction onyour bill, write
Cardinernber 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 train you are unsure about
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question, If you have
authorized is to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment. your letter or call (using the Cardmember
Service address or telephone number shown on this statement) in ust reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE
$8,081.96 10/20/07 $555.00 $740.00
Amount Enclosed Make your check payable to Chase Card Services.
New address ore-mail? Print on n back.
426684103620625600074000008081960000006
11930 26807D Ill llill lrl lr lllll?lllll lrll lllrl1111111/Ir11111ri 1111Ir111111
CRYSTAL PEEPER
862 CARLWYNNE MNR APT 212 CARDMEMBER SERVICE
CARLISLE PA 17013-4514 PO BOX 15153
WILMINGTON DE 19886-5153
IrrdILrJllrrrr?dlrrlLJrJdrLrrJLLJdlrrrrLlJlrJ
1:5000160 281: 203 &036 206 256 211n
Opening/Closing Date: 08/26107 -
CHASE O
u
Pa 09/25/07 CUSTOMER SERVICE
Miniim
m
yment Due: $74000
Espafiol 1-888446-3308
TDD 1-800-955-8060
Pay by phone 1-8W-436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-5948200
Previous Balance $8.040.87 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Finance Charges +$41.09 Available Credit ,
Box 15298
$418
New Balance $8,081.96 Cash Access Lira Wilmington, DE
DE 19850-5298
$1,700
Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www chase.com/creditcards
The charge privileges on your credit card account have been revoked. You no longer have the
ability to use your credit card account for purchases. We can help you get back on track. Call
1-800-955-8030 (collect 1-302-594-8200) today.
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 .01644% 6.00% $3,524.29 $17.97 $0.00 $0.00 $17.97
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,536.45 $23.12 $0.00 $0.00 $23.12
Total finance charges $41.09
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Your 2007-2008 Privacy Notification is enclosed
for your record.
This Statement is a Facsimile - Not an original
X 0000001 FI533335 0 5 000 N Z 25 07/09/25
Pepe i of 1 05686 MA M4 11930 26810000050001193001
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: _
City:
State:
Zip:
Home Phone: _-- ___ ____
Work Phone: _-_ ___ -_--
E-mail Address:
L
Information About Your Account
Lost or Stolso Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Adwlsors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U S- mail, send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order:
payable in U.S Dollars. and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
must be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window; the envelope cannot
contain more than one payment or coupon: and there can be no staples,
paper clips. tape or correspondence included with your paym ant. 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 thisstatement. we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Clack Conversion: When you provide a check as
payment, you aumorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer. funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial rallulion. Cad 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 is g., if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept the check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning It to you. not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account,
and you agree to pay it when billed. The antral fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
vie mail your statement on which the annual fee is charged and at the same
rime. you pay your outstanding balance in full. Your payment of the annual
lee does not affect our rights to close your account and to limit your right to
make transactions on your account If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges..
using the applicable periodic rates shown on this statement separately for
each feature (e.g.. balance transfer/convenience checks and cash advance
,becks ("check transaction'). purchases. balance transfers, cash advances.
promotional balances or overdraft advances) These calculations may
r:ombine different categories with the same daily periodic rates. If mere is a
-V" next to a periodic rate on this statement that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges. and a transaction finance charge for each balance transfer.
rash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
Tc get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature, add any new transactions or other debits
(including fees. unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, me beginning of the billing cycle in which theyare
posted to your account or a later date of our choice (except that check
transanons are added as of the date deposited by the payee or a later date
of om choicej. Foes are added either on me date of a related transaction, the
date they are posted to your account, or the last day of die billing cycle This
gives us that days 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 then add than periodic finance charges to your daily balance
to gel the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance. we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance, we add your daily balances
and divide by the number of the days in the applicable billing cycle(s) If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and than add all of tike results together, the
total will also equal die periodic finance charges for the billing cycle, except
for minorvariations due to rounding. To get yourtotal periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies. multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total wall equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in foil 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
lime your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if that* Is a "Qualifying Promotional Financing" section on
Vita statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date, To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due, we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" If a deferred interest Oualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors of Qoesdorls Aboot Your Bill: If you think your bill is
wrong, or if you need more information about a transaction an your bill, write
Cardinenber 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 out preserve your rights.
In your letter give us the following information.
Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain.. if you can. why you believe there is an error
If you need more information, describe the item you are unsure about
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question. we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before me automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services thatyou purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE
$8,040.87 09/19/07 $370.00 $555.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on beck.
426684103620625600055500008040870000007
42925 BEX Z 23707D ?II II III III II III II Ii 11!!111!111llllillli111111111IIIIi ll llllll
CRYSTAL PEEPER
425 CROGHAN DR CARDMEMBER SERVICE
CARLISLE PA 17013-1713 PO BOX 15153
WILMINGTON DE 19886-5153
IIIdIL1111111111dI11?L11mIIL11LImIl111LIJdILIJJ111
':S000160284 20310362062S62,10
OpeningJClosiry Date:
CHASE O 07!26107 - 08/25/07 CUSTOMER SERVICE
Min mum Payment Due: $555.00 E
p
no
?
s
a
l
-888-046-3308
TDD 14800-955-8060
Pay by phone 14800-036-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594200
Previous Balance $7,999.99
Total Credit Line ACCOUNT INQUIRIES
$8
500
Finance Charges +$40.88 Available Credit ,
P.O. Box 15298
$459
New Balance $8,04(),87 Cash Access Line Wilmington, DE 19850-5298
$1,700
Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www chase com/rreditcards
Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030
(collect 1-302-594-8200) today.
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 .01644% 6.00% $3,506.37 $17.87 $0.00 $0.00 $17.87
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,513.39 $23.01 $0.00 $0.00 $23.01
Total finance charges S40.88
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FI533335 O 10 900 N Z 25 071OW5 Poo. 1 011 D5686 MA MA 42925 236100001(8004292501
Address Change Request
Please provide information below only d the address information on front is incorrect.
Street Address:
City: --
State: --
Zip: ---
Home Phone:
Work Phone:
E-mail Address: --
L
Information About Your Account
Lost or Stolen Cards: Please report your fast 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 Paymnds: For payments by regular U S mail, send at least
your minimum payment due to our post office box designated for payments
shown an this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money order
payable in U.S. Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
cash. Write your account number on your check or money order. Payments
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 on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p m
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
unit be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus; We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report . If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Cheek Conversion: When you provide a check as
payment. youaumcnize 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. When we use information from your check
to make an electronic turd 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 Paymnafs: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation. or that you otherwise tender in full satisfaction
of a disputed amount must be sent to Card Services. P.0. Box 15049,
Wilmington DE 198505049. We reserve all our rights regarding these
payments (a c. if it is determined there is no valid dispute or if any such
check is received at any other address, we may accept lie check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning It to you. not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
aach 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 close your account within 30 days of the date
wm mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
Fee does not affect our rights to close your account and to limit your right to
make transactions on your account If your account is closed by you or us,
we will continue to charge the annual fee unit you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
rising the applicable periodic rates shown on this statement separately for
each feature (e.a. balance transfer/convenience checks and cash advance
checks j' check transaction'). purchases. balance transfers, cash advances.
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates. If there is a
V" next to a periodic rate on this statement. that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges. and a transaction finance charge for each balance transfer
sash advance, or check transaction, in the amounts stated in your
t;ardmeinber Agreement, as amended.
To get the daily balance for each day of the current billing cycle. we take the
beginning balance for each feature. add any new transactions or other debits
(including fees, unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments. Transactions are added
as of the transaction date, Hie beginning of the billing cycle in which they are
posted to your account or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle This
gives us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we mutiply the 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 billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance. we add your daily balances
and divide by the number of the days in the applicable billing cycle(s) If you
multiply the average daily balance for each feature by the applicable daily
periodic rate, and then multiply each of these results by the number of days
in the applicable billing cycle(s), and men add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minorvariabonsdue to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies. multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from lie 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 anti also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this salami you will not incur periodic finance charges on any
Remaining Balance that appears in that section H you pay that balance in full
by Hie 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 Nevi Balance
minus the total of those Remaining Balance(s) by the date and fire your
payment is due. However, if your statement shows that a minimum payment
is due. we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead. they accumulate from billing cycle to billing cycle.
This is referred to as ' deferred interest' It a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date. the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Eras or Questions About Your Bill: If you think your bill is
wrong, 0r if you need more information about a transaction onyour bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
198505299 as soon as possible. We must hear from you no later than 00
days after we sent you the first bill on which the error or problem appeared
You can telephone us, but doing so unit 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 m question while we are investigating.
but you are still obligated to pay the 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 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 Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before Hie automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or vAthin 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services
VIiA021207
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment
$7,999.99 08/19/07 $185.00 $370.00
Make your check payable to b Card Services.
Amount Enclosed $ New, eaddress c or e-mail? Print on n back.
CHASE O
4266144103620625600037000007999990000007
11825 BEX Z 20607 D
CRYSTAL PEFFER
425 CROGHAN DR
CARLISLE PA 17013-1713
III II III IIIII III IIIIIIIIII II III IIIIIIIIII II IIIII/III II II IIIIII
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
Lldllllllllllllldllllllllllllllll IIIIl,11111JJllddd111
,:S000160281: 2031036 206 256 2119
CHASE O Opening/Closing 11: 11-
Payment Due Date: 1117 CUSTOMER SERVICE
08/19/07 I
U
S
Minimum Payment Due: n
.
. 1-800-945-2000
$370.00
Espeliol 1-888446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
1-302-594-8200
ACCOUNT INQUIRIES
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 P.O. Box 15298
Previous Balance $8,145.42 Total Credit Line $8,500 Wilmington, DE 19850-5298
Payment. Credits -$185.00 Available Credit
Finance Charges +$39.57 Cash Access Line $500 PAYMENT ADDRESS
$1
700
New Balance $7,999.99 Available for Cash .
P.O. Box 15153
$0 Wilmington, DE 19886-5153
VISIT US AT:
wN a chase caMcreditcerds
TRANSACTIONS
Trans
Date Reference Number
Merchant Name or Transaction Description
Amount
Credit Debit
07/03 11841840841459070800008 PAYME NT $185 .00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .01644% 6.00% $3,531.99 $17.42 $0.00 $0.00 $17.42
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,490.82 $22.15 $0.00 $0.00 $22.15
Total finance charges $39.57
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you 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 25 0710725 Page 1 of 1 051386 MAMA 11825 20810000070001182501
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address:
City- - --------
State: --
Zip: -----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address:
L
Information About Year Aamnt
Lost of Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U S. mail, send at least
your minimum payment due to onr 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 net 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 slatem ent, 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 It you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
oar 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 Si advisors, or our web site
vdil be subiect to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
raport . 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 Abed Electronic Check Conversion: When you provide a check as
payment. you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer. funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial Institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount. must be sent to Card Services. P.O. Box 15049.
Wilmington. DE 19850-5049. We reserve all our tights 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 returning It to you, not cashing it or destroying It All other
payments that you make should be senator the appropriate payment address.
Annual Reoewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account.
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to close your account and to limit your right to
make transactions on your account If your account is closed by you or us,
we will continue to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement separately for
each feature (e.g.. balance transfer/convenience checks and cash advance
checks ("check transaction'), purchases. balance transfers, cash advances.
promotional balances or overdraft advances) These calculations may
cmpne 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
indax and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. Th ere 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
Cardmernber Agreement. as amended.
To get the daily balance for each day of the current billing cycle. we take the
beginning balance for each feature, add any new transactions or other debits
(including fees. unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date.. hie beginning of the billing cycle in which theyare
posted to your account, or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to your account, or the last day of the billing cycle This
gives us that day's dairy balance. A credit balance is treated as a balance of
zero, If a daily periodic rate applies to any feature, we. mill the 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 dailyperiodic
rate could apply based on the average daily balance. we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day)
To get your total periodic finance charge for a billing cycle when a daily
pariodfc rate(s) applies, we add all of the daily periodic finance charges far 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 each of these results by the number of days
in the applicable billing cycli 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 got yourtotal periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the perlodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at least 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time yourpaymentwas due. There is no
grace period for balance transfers, cash advances, check transactions. or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this thalami you will not incur periodic finance charges on any
Remaining Balance that appears in that section h 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 it your New Balance consists only of
Qualifying Promotional Financing balances.
Also. for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest' If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date. the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your CardmenberAgreement. the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Emors or Questions About Year Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared
You can telephone us, but doing so will not preserve your rights,
In your letter, give us the following information.
Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can. why you believe there is an error.
If you need more informal 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. White we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule ter Credit Card Pochases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or vdthin 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
MA021207
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$8,145.42 07120/07 $185.00 $370.00
Amount Enclosed Make your check payable to Chase Card Services.
$ New address or e-mail? Print on beck.
426684103620625600037000008145420000005
11901 BEX Z 17607 n Intlllllll It III IIIIllll llll1!111ll 111 Il/ll111II/II IIl11111/1l
CRYSTAL PEEPER
425 CROGHAN CARDMEMBER SERVICE
CARLISLE ISLE PA 17013-1713 PO BOX 15153
WILMINGTON DE 19886-5153
LIIIIII/I IIII IIIIdL11L 1111111111111111JI111111J1111J111
1:5000 i60 281: 2031036 206 256 2111
,in,C,,, Date:
o Payment Due Date:
CHASE 017 -06/25/07 CUSTOMER SERVICE
07/20/07 I
U
S
Minimum Payment Due: n
.
. 1-800-945-2000
$370.00
Espefiol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call coiled
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594.8200
Previous Balance $8,288.85 Total Credit Line 5W ACCOUNT INQUIRIES
$8
Payment, Credits -$185.00
Available Credit '
Box 15298
$354
Finance Charges +$41.57 Cash Access Line DE
Wilmington,
DE 19850-5298
$1,700
New Balance $8,145.42 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www chase com/credHce s
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
05131 11511510840274490500008 PAYMENT - THANK YOU 185.00
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 .01644% 6.00% $3,685.51 $18.79 $0.00 $0.00 $18.79
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,468.35 $22.78 $0.00 $0.00 $22.78
Total finance charges $41.57
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 O 5 000 N Z 25 07/06/25 Page 1 of 1 05686 MAMA 11901 176100000100011190101
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address:
City:
State:
Zip:
Home Phone:
Work Phone:
E-mail Address:
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
f? pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular U.S. mail. send at least
your minimum payment due to our post office box designated for payments
shown on this statement. Your payments by mail must comply with the
instructions on this statement and must be made by check or money order,
: payable in U.S Dollars, and drawn on or payable through a U.S. financial
institution or the U.S. branch of a foreign financial institution. Do not send
! cash. Write your account number on your check or money order. Payments
in ust be accompanied by the payment coupon in the envelope provided with
our address visible through the envelope window: the envelope cannot
contain more than one payment or coupon: and there can be no staples.
paper clips, tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
availaole 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
he 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 am
.
local time at our post office box designated for payments on this statement
we will credit it to your account as of the next day If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments.. crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Inforinaties Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report . If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice Abaco Electronic Check Conversion: When you provide a check as
payment, you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you mil not
receive your check back from your financial Institution. Cat the customer
service number on this statement if you have questions about electronic
cneck collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other farm of payment that
you send us for less than the hill 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 it any such
check is received at any other address, we may accept die check and you
will still owe any remaining balance). We may refuse to accept any such
payment by returning It to you. not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address
Annual Recall Notice: If your account has an annual fee, it will be billed
each year or in monthly installments. whether or not you use your account.
and you agree to pay it when billed. The annual fee is non-refundable union
you notify us that you vish 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
free 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 unfit you pay your outstanding
balance in full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges..
using the applicable periodic rates shown on this statement separately for
each feature (e.g.. balance transfer/convenience checks and cash advance
checks ("check transaction"). purchases. balance transfers, cash advances.
promotional balances or overdraft advances). These calculations may
emnene dillerent categories with the same daily periodic rates. If there is a
'V" next to a periodic rate nth 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
rash advance, or check transaction, in the amounts stated in your
Cardmember Agreement. as amended.
To get the daily balance for each day of the current billing cycle, we take the
beginning balance for each feature. add any new transactions o r other debits
(,nclud ng fees. unpaid finance charges and other charges), subtract any
payments or credits. and make other adjustments, Transactions are added
as of the transaction date, to 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 die 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 gat your periodic finance charges for
that day We then add these periodic finance charges to your daily balance
to gel the beginning balance for the next day. (If more than one daily periodic
rate could apply based on the average daily balance, we will use the dairy
periodic rate that applies for the average daily balance amour at the end of
the billing cycle to calculate the daily periodic finance charge each day.)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for ail
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 than add all of die results together, the
total will also equal the periodic finance charges for the billing cycle, except
for minor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Brace Period (at least 20 days):
We accrue periodic finance charges on a transaction, tee, 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 Die date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "qualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section d you pay that balance in full
by the applicable Expiration Date. To avoid linance 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 (cast that minimum payment by the date and tlme
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Oualifying 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 CardmenberAgreement, the deferred finance charges will be added
to your account as soon as the date of default.
BIWNG RIGHTS SUMMARY
In Case of Eras or Ouesdoes About Year Bill: If you think your bill is
wrong, or if you need more information about a transaction on your bill, write
Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE
19850.5299 as soon as possible. We must hear from you no later than 60
days after we sent you the first bill on which the error or problem appeared
You can telephone us, but doing so will not preserve your rights.
In your letter. give us the following information.
Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can. why you believe there is an error.
If you need more information. describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating,
but you are still obligated to pay the parts of your bill that are not in
question. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question. If you have
authorized us to pay your credit card bill automatically Iron 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 ortelephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quaiiryof goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have tried in good faith to correct
the problem with the merchant you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply it we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
NIA021207
Statement for account number: 4266 6410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$8,288.85 06119107 $185.00 $370.00
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
426684103620625600037000008288850000000
51476 BEX Z 14507D Irrrlllrl,JAll,lAdldl,AJd?rrrl LlJrrrllrrl,l?rrll, rllul
CRYSTAL PEFFER
425 CROGHAN DR CARDMEMBER SERVICE
CARLISLE PA 17013-1713 PO BOX 15153
WILMINGTON DE 19886-5153
IrrrIllrArlllArrrAAll,All?rrrllLrrlArrllydlArAIJJAIrIJAJ
1:50001,60 281: 2031036 206 256 2111
OpeninglClosing Date: 17- 111 CUSTOMER SERVICE
CHASE O Payment Due Date: 06/19/07 In U.S. 1-800-945-2000
Minimum Payment Due: $370.00
Espe flol 1-8881146-3308
TOO 1-800-955-8060
Pay by phone 1-8W-436-7958
Outside U.S. call tolled
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594-8200
Previous Balance $8,248.07 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Finance Charges +$40.78 Available Credit ,
15298
$211 P.O. Box
Cash Access Line
New Balance $8,288.85 n
, DE
Wilmington, DE 19850-5298
$1,700
Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
wwwChase.comlcreditcards
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .01644% 6.00% $3,821.79 $18.85 $0.00 $0.00 $18.85
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,446.01 $21.93 $0.00 $0.00 $21.93
Total finance charges $40.78
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as rash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 5 000 N Z 25 0710525 Page 1 of 1 05W MAMA 51476 14510000050005147801
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address:
City:
State:
Zip:
Home Phone:
Work Phone:
E-mail Address:
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement.
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number.
Crediting of Payments: For payments by regular US. mail, send at least
your minimum payment due to our post office box designated far 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. Cu not send
cash. Write your account number on your check or money order. Payments
to 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. 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 pan 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. 11 your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p.m.
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days. Payments made electronically through our
automated telephone service, Customer Service advisors, or our web site
well he subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureau: 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
repurt . If you think we have reported inaccurate information to a credit
bureau. you may write to us at the Cardmember Service address listed on
your billing statement.
Notice About Electronic Check Coneeraion: When 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. When we use information from your check
to make an electronic fund transfer. funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full' or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services. P.O. Box 15049.
Wilmington. DE 19850-5049. We reserve all our rights regarding these
payments (ag., 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
well still owe any remaining balance). We may refuse to accept any such
payment by returning It to you. not cashing it or destroying it All other
payments that you make should be sent to the appropriate payment address
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments, whether or not you use your account.
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
we mail your statement on which the annual fee is charged and at the same
time, you pay your outstanding balance in full. Your payment of the annual
fee does not affect our rights to dose your account and to limit your right to
make transactions on your account If your account is closed 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.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement separately for
each feature (e. g., balance transfer/convenience checks and cash advance
checks ("check transaction"). purchases. balance transfers. cash advances.
promotional balances or overdraft advances). These calculations may
combine different categories with the same daily periodic rates, If there is a
`V" next to a periodic rate on this statement. that rate may vary. and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended There is a
minimum finance charge in any billing cycle in which you owe any periodic
finance charges. and a transaction finance charge for each balance transfer.
cash advance, or check transaction. in the amounts stated in your
Cardmanber Agreement. as amended.
To get the daily oalance for each day of the currant biking cycle, we take the
beginning balance for each feature, add any new transactions Procter debits
;including fees. unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account. or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice). Fees are added either on the date of a related transaction, the
date they are posted to youraccount, 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 gat your parodic finance charges for
that day We then add these periodic finance charges to your daily balance
to gel the beginning balance for the next day. (If more than one daily periodic
fate could apply based on the average dally 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 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 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 each of these results by the number of days
in the applicable billing cycle(s), and that 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 billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle, except for minor variations due to rounding.
Grace Period (at last 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from the date it is added to your daily balance until payment in full is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
tine your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "Qualifying Promotional Financing" section on
this stalemeM, you will not incur periodic finance charges on any
Remaining Balance that appears in that section If you pay that balance in full
by [lie applicable Expiration Date. To avoid Finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing sector, pay your full New Balance
minus the total of those Remaining Balar is) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due. we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, periodic finance
charges accrue during the promotional period but are not added to your
account balance- Instead. they accumulate from billing cycle to billing cycle.
This is referred to as 'deferred interest.' If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Data. the deferred finance charges will be added to youraccount as soon as
the first day after the Expiration Date. 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.
13I111NG RIGHTS SUMMARY
In Case of Errors or (locations About Year Bill: If you think your bill is
wrong, or if you need more information stipple transaction on your bill, write
Cardmanber Service air 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 later, 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 ilwestigating.
but you are still obligated to pay the parts of your bill that are riot 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
auyhonzed 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 the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Role for Credit Card Purchues: if you have a problem with the
quality of goods or services thatyou purchased with a credit card (excluding
purchases made win a check), and you have trod in good faith to correct
the problem with the merchant you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply d we own or operate the merchant. or if we mailed you the
advertisement for the property or services-
RIA021207
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment
$6.248.07 05/20107-III $0.00 $165.00
J Make youcheck payable to Chase Card Services.
Amount Enclosed $ Now address or e-mail? Print on
le back. .
CHASE O
426684103620625600018500008248070000006
11470 BEx Z 11507 D
CRYSTAL PEFFER
425 CROGHAN DR
CARLISLE PA 17013-1713
lurillrlnlnlrll,lullu1l11unli1lrinrlluiriurllnllnl
iurlllurlilnunlinlluullinllurllullnrirlrlririrlul
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
': 5000 160 287: 20 3 10 36 20 6 2 56 211s
CHASE O ling/ClosingDate: 03!26/07-
Payment Due Date: 04/25/07 CUSTOMER SERVICE
05/20107 I
U
S
Minimum Payment Due: n
.
. 1-800-945-2000
$185
00
.
Espanol 1-888446-3308
TOD 1-800-955-8060
Pay by phone 1.800436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594-8200
Previous Balance $8,575.23 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Payment, Credits -$370.00 Availab
le Credit ,
Box
15298
$251
Finance Charges +$42,84 Cash Access Line DE
Wilmington,
DE 19850-5298
$1,700
New Balance $8,248.07 Available for Cash $251 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 198865153
VISIT US AT:
www chase corNcrecktcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
03131 1 1 3 20409 100009 PAYMENT -THANK YOU $185.00
04/20 11101100638204134400000 PAYMENT -THANK YOU 185.00
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 Fn Charge CHARGES
Purchases .01644% 6.00% $3,981.36 $20.29 $0.00 $0.00 $20.29
Cash advances 01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,423.76 $22.55 $0.00 $0.00 $22.55
Total finance charges $42.84
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Family 4 Pack: 4 Tickets to Six Flags for just 99 Dollars!
Now through 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 Chase.com to take
advantage of this exclusive offer.
This Statement is a Facsimile - Not an original
X0000001 FIS33335 D 6 000 N Z 25 07104/25 Peg. 1 of 1 05686 MAMA 11470 11510000060001147001
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
Interrelation About Your Account
Lost or Stolen 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 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 US 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 oat 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 r staples..
paper clips. tape or correspondence included with your payment. If your
payment is in accordance with our payment instructions and is made
available to us on any day except December 25 by 1:00 p.m local time at
our post office box designated for payments on this statement, we will credit
the payment to your account as of that day. If your payment is in accordance
with our payment instructions, but is made available to us after 1:00 p m,
local time at our post office box designated for payments on this statement,
we will credit it to your account as of the next day If you do not follow our
payment instructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments, crediting of your payment may
be delayed for up to 5 days- Payments made electronically through our
automated telephone service.. Customer Service advisors, or our web site
will be subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit
report If you think we have reported inaccurate information to a credit
bureau, you may write to us at the Cardmember Service address listed on
your billing statement.
Notice All 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
pavnnent as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your
account as .soon as the same day we receive your payment, and you will not
receive your check back from your financial Institution. Call the customer
service number on this statement if you have questions about electronic
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that
you send us for less than the full balance due that is marked "paid in full" or
contains a similar notation, or that you otherwise tender in full satisfaction
of a disputed amount, must be sent to Card Services, P.O. Box 15049,
Wilmington DE 19850-5049. We reserve all our rights regarding these
payments 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
mll still owe any remaining balance). We may refuse to accept any such
payment by returning it to you.. not cashing it or destroying it. All other
payments that you make should be sent to the appropriate payment address.
Annual Renewal Notice: If your account has an annual fee, it will be billed
each year or in monthly installments. whether or not you use your account.
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to close your account within 30 days of the date
are 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
lea does not affect our rights to close your account and to limit your right to
make transactions on your account If your account is closed by you or us.
vie will continua to charge the annual fee until you pay your outstanding
balance in full and terminate your account relationship,
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
oath feature (e. g„ balance transferlconwourrence checks and cash advance
checks ("check transaction"). purchases. balance transfers, cash advances,
promotional balances or overdraft advances) These calculations may
m inbune different categories with the same daily periodic rates. If there is a
V° next to a periodic rate on this statement. that rate may vary, and the
index and margin used to determine that rate and its corresponding APR are
described in your Cardmember Agreement, as amended. There is a
minimum finance charge in any billing cycle in vzhich you owe any periodic
finance charges. and a transaction finance charge for each balance transfer.
cash advance, or check transaction, in the amounts stated in your
Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle. we take the
beginning balance for each feature. add any new transactions or other debits
(including fees.. unpaid finance charges and other charges), subtract any
payments or credits, and make other adjustments. Transactions are added
as of the transaction date, the beginning of the billing cycle in which they are
posted to your account or a later date of our choice (except that check
transactions are added as of the date deposited by the payee or a later date
of our choice:. Fees are added either on die 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. II a daily periodic rate applies to any feature, we multiply the 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 gel the beginning balance for the next day. (If more than one dailypenodic
rate could apply based on the average dally balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle to calculate the daily periodic finance charge each day)
To get your total periodic finance charge for a billing cycle when a daily
periodic rate(s) applies, we add all of the daily periodic finance charges for all
features. To determine an average daily balance we add your 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 billing cycle(s), and then add all of the results together, the
total will also equal the periodic finance charges for the billing cycle, except
for m inor variations due to rounding. To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies. multiply the
average daily balance for each feature by the applicable monthly periodic rate
and add the results together. The total will equal the periodic finance charges
for the billing cycle. except for minor vacations due to rounding
Grace Period (at leant 20 days):
We accrue periodic finance charges on a transaction, fee, or finance charge
from die date it is added to your daily balance until payment in lull is
received on your account. However, we do not charge periodic finance
charges on new purchases billed during a billing cycle if we receive both
payment of your New Balance on your current statement by the date and
time your payment is due and also payment of your New Balance on your
previous statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances, check transactions, or
overdraft advances.
In addition, if there is a "(lualifying Promotional Financing" section on
this statement, you will not incur periodic finance charges on any
Remaining Balance that appears in that section if you pay that balance in full
by the applicable Expiration Date. To avoid finance charges on new
purchases when your New Balance includes any Remaining Balance(s) in
the Qualifying Promotional Financing section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
payment is due. However, if your statement shows that a minimum payment
is due we must receive at least that minimum payment by the date and time
specified on your statement, even if your New Balance consists only of
Qualifying Promotional Financing balances.
Also, for some Qualifying Promotional Financing balances, penodic finance
charges accrue during the promotional period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This is referred to as "deferred interest" If a deferred interest Qualifying
Promotional Financing balance is not paid in full by the applicable Expiration
Date, the deferred finance charges will be added to your account as soon as
the first day after the Expiration Date. Further, if you default under the terms
of your Cardmember Agreement, the deferred finance charges will be added
to your account as soon as the date of default.
BILLING RIGHTS SUMMARY
In Case of Errors or (locations Abed Your Bill: 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
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
quasfion. While we investigate your question, we cannot report you as
delinquent or take action to collect the amount you question, If you have
authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is
wrong. To stop the payment, your letter or call (using the Cardmember
Service address or telephone number shown on this statement) must reach
us at least three business days before the automatic payment is scheduled
to occur.
Special Rule for Credit Card Purchases: If you have a problem with the
quality of goods or services that you purchased with a credit card (excluding
purchases made with a check), and you have fined in good faith to correct
the problem with the merchanL you may not have to pay the remaining
amount due on the goods or services. You have this protection only when
the purchase price was more than $50 and the purchase was made in your
home state or within 100 miles of your mailing address. These limitations
do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
r1 A021207
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O
$8,575.23 04/19/07 $185.00 $445.23
Amount Enclosed Make your check payable Chase Card Services.
New address ore-mei19 Print nt ort n back.
.
426684103620625600044523008575230000001
10726 BFX z°6'°'° Irr,Illdrrllrldrrlrrllrrddrrrrlldrlrrrllrrldrrllrr16r1
CRYST RYSTAL PEEPER 11111111111
425 CROG AN DR CARDMEMBER SERVICE
CARLISLE P PA 17013-1713 PO BOX 15153
WILMINGTON DE 19886-5153
Irrrlllrrrlll,rrrldLrll,lrJlLrrLrrllydllrJrL111rIJr11
1:5000 i60 281: 2031036 206 256 211•
CHASE O Opening/Closing Date: 02!26!07 -
Payment Due Date: 03/25107 CUSTOMER SERVICE
04/19/07 I
U
S
Minimum Payment Due: n
.
. 14MG-945-2000
$445
23
.
Espanol 1-888-446.3308
TDD 1-800-955-8060
Pay by phone 1,800-436-7958
Outside U.S. cell collect
VISA ACCOUNT SUMMARY Account Number: 42668410 3620 6256 1-302-594-8200
Previous Balance $8,720.78 Total Credit Line 5M ACCOUNT INQUIRIES
$8
Payment, Credits -$185.00 Available Credit ,
15298
so
Finance Charges +$39.45 Cash Access Li
Access
Line , DE
Wilmington, n
Wi
ningto DE 19850-5298
$1,700
New Balance $8,575.23 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 198865153
VISIT US AT:
www chase corn/credifcerds
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
02/28 0590592937098302800001 PAYMENT -THANK YOU 185.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Cortesp. Average Daily Balance Due To Transaction Accumulated FINANCE
Category 28 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases .01644% 6.00% $4,165.65 $19.18 $0.00 $0.00 $19.18
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,402.31 $20.27 $0.00 $0.00 $20.27
Total finance charges $39.45
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
NOTICE: We are replacing the Two-Cycle Average Daily Balance
Method (compute interest on previous and current cycle
purchase balances) with the Average Dairy Balance including
new purchases Method (purchases daily balance times
purchases daily rate each day only in the current cycle).
This Statement is a Facsimile - Not an original
X 0000001 FI533335 O 7 000 N Z 25 07AW5 Peg. 1 of 1 05666 MAMA 10726 08410000070001072601
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 Abort Year ACCeent
Loa[ or 510460 Cants: Please report your lest or sto m card immediately by calling the
Customer Service number found on the from of your statement. Advisors are always
arailable to assist you. You an reach an Advisor by pressing 0 offer you enter your account
minter
Credlliag of Payments: For payments by re¢iar U.S. mail. send at least your minimum
payment due to our post office boa d»ignated for payments shouu on IMs shtemerd. Your
Payments by rail must comply with the instru:tioM on this statement, and must be made
by check or money order, payable In U.S. Dollars. and drawn an or Payable through a U.S
ilmncal it iYnrtion or the U S branch of a foreign financial institution. Do not send cash
Wide your account number an your check or money order Payments must tin aceompanteU
by the payment coupon in the enwafoPa provided with Orr address visible fbrough the
envelope window. theenvelope amwl contain more than one payment of coupes: and there
an be no staples, paper clips, tape or arorespondence included with your payment . It your
payment is in accordance with our Payment Instructions and is made evilabb b vs on arty
tlay except December 25 by 100 p.m Iocaf time at our past office bax d noted for
paym0ms on this s[ammeM, wo will credit the payment to your account is of that day. If
your payment is in accordance with ow payment asutnOmne. bid is made awigble no to
site, 100 p m local time al cur post office box desgrated for payments on lhte shim e t
we will credit it to your account as nt the next day. II you do not form, our payment
instructions Of t your Payment is not soft by regular U.S. mail to am post off" box
desgnated fm payments, erecting of your Payment may be delayed for up to d days.
Payments made electronically through our automated telephone service customer Service
advisors. or our web site will be subject to any processing Bees disclosed nor those
Vwrients.
Account Idoamallot Reported is Credl B&am: We may team information above our
aa:ounl to credit bureaus Late Payments, messed payments a other defaults an your
account may be raffected m youn cmdir Island if you think we have reported Inaccurate
Iao-tion to a cmdt burs., you may wee to us at the Cirdmember Service address
listed on your billing statement
Notice About Electronic Check Conversion When you provide a check as yyaylnem, you
authonze us ether to use information Irom your Check to make a wri ebcfran c turd
Investor from your account or to process the payment as a check trimeactow When" use
imornotion from yow Check to make an electronic fund tamer, funds may he wt drown
from your account as awn as the sane day we carve your payment, and you will wt
receive your check back from your financial institution. Can the cushrmer serves member on
this Statement it you have questions about e.cirom: check coleewn or do not want your
partisans conacted electronically
COndlfonel Pnsedr. 0.ny payment cneck nr Other form of payment Gat you card w for
less than the full balance due that 6 marked "paid in full' or contains a simir notation, or
that you otherwise tender in full satisfaction of a depulad amours, must be aim to Card
Services. P0. Box 15049. Wilmington, DE 19850309 We reserve all ow N a regarding
these payments (e g it it a determined there is na wild dispute or it any soh mark s
received at any other address, we may accept the Dock and you wll I stiff owe any enaanng
balance). Wa Iney relusa to accept airy such Payment by returning el to gnu, nil ashir t
cr destroying it. All other payments that you lake should be sent to [he al:mpraam
payneM address
Annual Renewal Notice: If your account has an annual fee it will PC blind each year or in
rromhlyy nstallonents. whether or nor you use your account and you agree to pay it when
biped. Tile Onual i» Is Mn•refunclabN unless you notify us that you wish to close your
account -.thin 30 days of the date we mail your statement on *on the annual fee is
charged and at the same lime, you pay your oustanding baarre in full Your payment of the
annual foe dons not apex our rights to close your account and to bmK you right to make
Irarsactions on year account. If your account Is closed byy you at us. aye will continue to
charge the annual fee until you pay your outstanding balance in full and terminate your
account relationship.
Explanat46a of Finance Changes: We calculate periodic finance charges. using the
applicable periodic rates shown on this statement separately for each featue (eq. balance
tnrs/errconvanance checks and Cash advance checks ('chock an neadten'). Purchases.
taance
transfers, cash advances promotional baarses or overdraft advances) Please
corsuff your Grdrnem0er Agreement for the features than am applicable to you Card These
calculatens may "Onatare d eent cafegorks with the same daily Panedrc rates. N there IS
a N' next 10 a periodic rate on this statement, that rare may vary and the indo and margin
used to determine did mfe and its conespondrg APR am described in your Grdmari leer
Agreement, as amended. TMM IS a inammn, finance charge in any billing cycle in which
you oie any periodic finance charges, and a transaction fine" charge for each balance
tnarsiec ash advance, or check trarsacfmn. in the amounts stated in your Cardnember
Agreement, as a-=
To an the daily balance for each day of the current billing cycle, vw take The beginningg
baboce for each feature, add any now transactors or other debts (including has. uni
hnence charges and other charges), suMnct any pPaayyments or credal, and I'reke other
a III isimems Transactions am added as of the transadbI date. the beginning M the billing
cycte -,'which Ili are posted to vow account. or a later date of our choice (excepl thal
check transactions am added as M the date deposited try 1M pay» or a order tlaU at our
choice). Fees am added ether on the date of a reared [ranexaction, the dale They are Posted
to your account, or the last day of the billing cycle This gives as that day's daily balance A
credit baana is treated as a balance of zero. If a daily periodic rate applies to any feature.
via munipl'y the daily balance by the dally periodic rate to gel your perondic fiance charges
for that day We than add these periodic finance charges to your daily balance to get the
beginning balance tut the rand day. (It more then ono dny Periodic note Could apply based
co the avenge daily balance. vre wil use the daily periodic rate met applies for the average
daily bar- iiii at the it at the biting -1, to .]coal. the daily Periodic finance
chargqe each day.) It this Statemerd shows a previous Cycle average daily balance for
pumhasea, vie do lire same thing forestal day of the previous cycle to gel the daily balance
of u-Noes for the pevous biting cycle . However, IM daiy balance for previous billing
cycle purchases is Considered to b, zee for each day of t previous baling cycle if a
Peradic finance charge was akady bided on purchases Remand on your previous
statement Ollie received payment of your New Balance on your plewous sMemem in full
by the dale and Ilene you payment was due
TO get your total periodic finance charge for a billing cycle when a daiy periodic ratem)
applies, we add all of IM daffy penal. finance eta?ges for all features. To determine an
average toyy balance, we add your dally beans and diwM 469 thenumbar of the days m
the appl.a r biding cyciets). H you multiply the awn a daily balance for each feature by
the ap,noo day periodic rate, and than nuaipy 9ac1 of these resift by the number of
days in the applicable being cycle(s). and than add all of the fauns together, the total will
also equal the periodic Imo ce Changes for the billing cycle. except fo miner variaters due
to rounding To gal your total periodic fiance charge for a billing cycle when a moni
oeradnc rate(s) applies, multiply the average day balance for each teafure by the applicable
itronthly Periodic rate and add the vestals together The total will equal the periodic Rnsnce
charges for the billing cycle, except for minor variations due to roundup.
Graea Period (at Initial 20 ): We accrue Perrodic finance charges on a Innseclion, fee,
i t finance chase from the rhto I is added to your daily balance unfit payment in full is
received on yyao err account However, we do not charge periodic finance charges on new
purchases biled duri a billing cycle N we earw both Payment of your New Balance on
your current stalonent by the dale art time your payment is due and also payment d err
Now Balance on your previous Statement by the dale and time your payment was due There
IS nc grace period for balance transfers cash advances, check transactions. or overdraft
advances. In addition, B there is a 'Qualifying Promotional Fenencing• section on this
statement. you will not incur Denodo finance Charges on any Remaining Balance that
appears in that seclion Y you Pay that balance in full by the KIDl.able Expiration Date. To
avoid finance charges on new purdastra when your New Balance includes any Remaining
Balonce(s) in the Oi ubt PraWkinal Financing section pay Vow full New Balance mmus
the total of those Remaining Bafan ai by the date and time your payment is rue However,
if you statement shows that a minimun payment is due, we must receive at feast that
txmnum Payment by the data and time specified on Vow sldomenr, even if your New
Balance consists only of Qlalying Promotional Financing balances.
For 'deterred interact' Owl" Promotional Financing, periodic fiance charges accrue
during the promotional period but we not added to your account balance. Instead, they
accumulate from billing cycle to billing cycle . If a deterred lateral Gold Promotional
F. ric ng balance is vol paid in ILA by the applicable Expiration Date, the jairold finance
charges ill be added to your aseould as soon as the but day after the Expiration Dole.
Fw[Mr.iwyou default undertheterms of your Cadmember AApqraeement the deferred finance
charges wit be added to your account as soon as the date ofddauR
Fm'fo(ed payment' OrdXwng Promotional Financing that permits you to pay for a purchase
in a designated number , payments, you will not have a grace period for that balance as
each payment innlUd» a portion of the interest owed over the repayment term tot Ing
pull NowevOr. you will have a grace period on other new purchases as described
above.
BILLING RIGHTS SUMMRRY
In Cue of Errors or OnWions Abul Year Bill: N you think your bill is wrap, or N you reed
more information about a transaction on your bit. wr0e Cardnemper Service on a "Prof.
sheet af P.O. Box IV% Wilmington DE 1985D-5299 as soon ae PossILN. We must nine
from you no later than 60 days after we sent you the first bill on which the error or problem
appealed You can telephone era. but doing so will not preserve your rights. In your litter
give us the lollowmg starvation,
• Your name and accoA Ou inter
• The dollar amount of the suspected error
• Describe the error and explain. it you an. wiry you believe them is an error. If you need
more altorminglorr, describe to Korn you ore mature abed.
You do not have to Coy any amount in quesion while vie am investigating, but you are still
obligated to pay the parts of your bid fhat are not in question While we investigate your
question, we Cannot report you as delinquent or take action to CoIJad 1M amount you
question. If you have authorized is to pay vow credit card bill automatically from your
sawrgs or Checking account, y. can skup the pa9mend on any amount you think iswrong
To stop the Payment, yew fetiera CaII (usingtha CardnemberService Wdmss or telephone
number shown on this statement) must reach us at Japan three business days before the
automatic payment a scheduled to cii
Spacial Rule let Credit Cad Pwdmmne H you have a problem with the quality of goods or
services that you purchased with a credit Card (excluding pwchses made with a check).
and you haw tried in good fath to cared the problem with the merchant, you may wl haw
to pay the removing award due on the goods or services You haw this Protection only
when the purchase Price was more than $50 and the purchase was made moor ham sate
O women 100 miles of your mailing address These limitations do nor apply t we own or
operate the me chit. old we malted you the sdirm s anent for the property or serves.
MA080306
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment
$8,720.78 03/22/07 $185.00 $590.78
Mahe your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? le Print to on beck.
CHASE O
Tax time is here. Make
your pa ent using Your Chase
credit card. For details visit
www.chasepayyourtaxes-com.
426684103620625600059078008720780000008
10803 SEX Z 05007 D
CRYSTAL PEFFER
425 CROGHAN DR
CARLISLE PA 17013-1713
111111111111111111111111111111111/111111111111111111111/111111
111 d1111111L 1111d11111111d111111JI d11/1LIJILIJddr11
CAROMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1:5000160261: 20 3 10 36 206 2 56 2il¦
CHASE O ling1losing Date: 01/26/07 -
Payment Due Date: 02!25/07 CUSTOMER SERVICE
03/22/07 I
U
S
Minimum Payment Due: n
.
. 14800-945-2000
$590
78
.
Espafiol 1-888.?
TDD 14MO-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594200
Previous Balance $8,861.38 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Payment, Credits -$185.00
Available Credit ,
Box
15298
910
Finance Charges +$44.40 Cash Access Line Wil
n
, DE
Wilms
$1 700 rlgto DE 19850-5298
New Balance $8,720.78 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 198865153
VIER US AT:
www chase c mlcreditcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
01/28 102802 83604932260000 PAYMENT -THANK YOU 185.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daly Balance Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Periodic Rate Fee Fn Charge CHARGES
Purchases .01644% 6.00% $4,328.77 $22.07 $0.00 $0.00 $22.07
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,381.05 $22.33 $0.00 $0.00 $22.33
Total finance charges $44.40
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as rash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000W1 FI533335 O 0 000 N Z 25 0710225 Page 1 of 1 05888 MAMA 10803 05610000000001080301
Address Change Request
Please provide information below onlyd the address information on front is incorrect.
Street Address:
City:
State:
Zip:
Home Phone:
Work Phone:
E-mail Address:
L
lyd Mahon Abod Your Aaonni
Lost of Slden Cards: Pease report your lost Or stolen car Imltedutely by awing the
Casromer Service number found on the front of your statement. Advisors are always
evaeable, to assist you You an reach an Advisor by pressing0 after you enter your account
nu aber
Cmdillo3 of Payments: For payments by rag?Ilar U.S. male, send at least your minimum
payment due to our post office box designated for payments shown on this sldertera. Your
payments by mat most candy with the imtru,tbns an this statement, and must be mods
by check or morvy order, payable In U.S Dollars. and drawn on or payable Through a u.S
hnancel naidution or the If 8 branch of a Icmign financial institution Do rat send ash
Writ your accolan numbs on your check a money era. Payments must he accompanied
by lee payment salon in the awelope provided with our address visible through the
emebpe window: the enuNope armor contemn morelhan ore payment or coupon ad there
can be no staples, papa clips, tape or correspondence inducted with yon payment If your
payment is in accordance with our payment instructions and is made available to n6 on any
day except December 25 by 100 p.m local time at our post office box designated for
paynems on this statement, wis will credit the payment to your account as of that day. II
your payment is in accordance with our payment ustructions. but is made available to is
otter 1 OD p m local time at our post office box designated for payments on true statement
vie will credit 9 to your account as Of the nail day. H you do not follow our payment
instructions or k your payment is not sent by voider US. mail to on post office box
eesignated for payments, creoll of your payment may be delayed for up to 5 days.
Payments made sleohnnically through our automated telephone service Custamr Service
advisors, or our web site will be subject to any processing daem disclosed for those
aynents.
Ilmeeet Imorrndiou Repolled Is Call Bureaus: We my report inform=1 ut account to credt bureaus Late Dayaronls, missed payments or dhe on your
account may' be rdlected in your credit mood If you Think we have repodM inaccurate
irilormdiun to a credd bureau. you ?y wee to us at the Ducmernm Servile address
listed on your bllbng statement
Notice About Eac rome Check Conversion When you provide a check as payment. you
adhonze ns either to use information from your check to make a bra inw electronic Iwrd
transfer trom your account onto procass the payment as a dock tromachen What we use
information from yon deck to make an electronic fund bronchi funds may be wfindrawn
from your account as soon as the sane day we -I. your payment, all you IN not
receive your check baekfrom your financial instnunon. Cap ile customer servca nan6a on
this statement it you have questions about electronic c1aCCN coAedbn or do rot Nan your
paynens collected electronically
=Its al eMe. Any payment check or other form of payment that you send us for
The fie balance due that is marked 'paid in full' or codails a similar rotation, or
Oat yyoou otherwise border in full satishctbn of a asputed amount. must be sea to Car
Servlees. P 0. Box 15049. Wilmington, DE 198503049 We reserve all on rights regarding
these payments (e.g o it is determined there is . wiid dispute or d any such check is
received at any other adders, we may accept the deck and you will still are any =11111
balance)We may rduse to accept any such payment by returning it to you, rot or destroying n All other payments that you make should be sent to the appropriate
payment address.
Aueml Renewal Notice: If your account has an annual ice, It will be blued each year or in
imrihl ratellments. whether or rot you use your ac.' and yOU agree to pay it when
billed. The annual fee is non-refundable unless you noi us that you wish to cb)w your
account wkhin 30 days of the date we mail your statement on which the annual fee Is
rnrged and at the same turns, you pay your outstanding balance in full. Your Daymem of the
annual fee dates nut aHad our rights to cli your t,bnt and to NmR your rightro nuke
tramadions on your accoum. If your account Is closed yy you a us, we wail continue to
charge the annual lee until you pay your outstanding balance in hill and terminate your
soc-il roldtorell
Eglanalion of Fiume Cbarym: We calculate periodic finance charges, using the
applcable periodic rates shown on this sidemen, separately for each feature a g.. balance
tmnmeecorNenience decks and cash advance ='l imneaaian'Durehases,
balance transfers, cash advances. promotional rdrah advances). Place
conuA your Grdnmmher Aggreement for the kworas the arableto your artl These
calculations may Zonis" dAleront calegores with the scum hdY penndto alas H there is
3 "V" hod to ape dic rate on this statement. that rate may vary, and the index and margin
used to delennlre Thar rile and its conesponding APR am described in your Cardmem6a
Agreement. as amended. TMhe is a mnimum ful charge in antM bflli g cycle in witch
you ode any periodic finance charges. and a transaction finance charge for each balance
transfer. cash advance, or check trarsoction. in the amounts slated on your Candmembeir
Agreement, as alnerrded
TO gel the daily balance for each day of the current billing cycle. we take the beginning
balance for each farm, add any new Iralsactors or other debits (Including fees. unpaid
finance Chagas and other eh2,asi, subtract any payylmms or cradds. and make other
Nlstmecre Tmnsactbm are added as of the tnnsadlen a
ad le. the beglmirg d the billing
Cycle in whrh they are posted to your account or a later dated our choice ,except that
crack Iranaactiol7s am added as of the data deposited by the payee or aqua data of our
'hdiai Foes are added either on the dal- of a retired transaction, the dale they are posted
to mar account. or The last day of the hit ling cvcle. This given us that day§ tlaiy balance A
credit balance is traded as a balance of zero. If a tldy pariotlw rate applies to any feature.
we brel ph, the daily bounce by the daily palodle rate to get your periodic licence charges
nor that day We than a& these perbdc finance charges to your daily balance to get the
begmning balance for the next day. (it more Iran one dally parodic eta could apply based
en the average daffy balance, vK will was, the dairy Dedodic rate that applies for the avenge
oath., balance aloud at the end of the bring cycle to calculate the i pull finance
change each day.) D This matalxrem drown a Drevlous rycle average tlaAy bounce for
purchases, vie do the same thing for each day of the previous cycle to gat the daffy balance
of purchase Ter the previous ruling cycle. However, the do halance ton prevun billing
cycle purchases is considered to be taro for each day Of its prewous bkling cycle R a
periodic finance charge was already blued our purchases tem¢ed on your prenoter
statement or rro received payment of your New Balance on your previous statement in full
by the ate and time Your payment was A.
To get vour total periodic finance oral for a billing cycle when a daily periodic rate(s)
applies, we add all of the daily period. finance charges for al features. To downhae an
average dual balalxa, we add lour dopy balances and tlivlde by IM number of the days in
the apdiable biting cycers). If you multiply the average dairy balance for eacb lemure by
the applicable duty periodic ale and then mul each of these results by the number of
days in the applicable bIINIg cyclersi, and than add all of the results together, the total will
also equal me periodic finance charges for the billing cycle, eacept for minor yaiatan due
to rounding. To gat your total periodic finance charge for a bNNnq cycle when a monthly
Due", rate(s) submit, multiply the average daily balance for each ladure by the appiable
monhly periodic rate and add the result together. The total will equal the periodic finance
charges for the biling cycle, sxceq for ndnor variation due to roundlrg.
Green Period (at legal 20 loyal: We occurs pert Axle finance charges on a tranadon. fee,
Or tirence charge from the ddaos k is added to your daily balance until payment in full is
ra:elved on your account. However, we do hot charge periodic hronce charges on new
purchases billed drug a Pulirq cycle if we recall both payment of your New Balance on
your current statement by line date and time your payment is duce ant also payment of your
New Balance on your prevous mdernent by the dde and time your payment was doe. There
K no glace period for balance transfer. cash advances, check Instructions, or overdraft
adaanca3. In addkbn, it there is a 'Qualifying Promotional Financing' section on this
stnemeM, you wal vet inaa periods Iopnca chages on arty flemannp alliance that
appears in that sedaon 1 you wry that MlanCe in full by the aDDlleait E?katbn Date. To
avant finance merges on new purchases when your o Dolarse IlICI110e6 any Rerrelning
Bahnceis) mite OtlaMyrnp oromotonal financing seepon payyon full New Balmce minus
the total of trose Remamng BNtinajs) by the dote and dme your gyment b due. However.
d yon slaremem shows that a minimum wymM re due. we must receive ai least had
minimum Daymem by the date ant norm'Re'did on you stalemem, even ii year Nn':
Balance corwista any of OuaRlying P.-hire l financing bourrces.
For deferred ima'm' Ouahtying Promotional Financing, periods linamce charges accrue
during the promotional period but we rat added to your account balance. Instead, they
accumulate from being cycle to bROng cycle. If a deferred iraaest Qual pPromolleml
I.nomg balance is rat Dad in fuN by the appkcable Ex iration Dole, the deferral finance
charges well he added to your accgam as soon as the M1not day after the Expiration Date.
Further k you deuuff larder the tams of yourCudmember Agreement the deferred finance
charges Will
be added to your account ere won as the date of default
For'lbled paymard" Ouallying Promotional fm nchg that pemds you to pay for a purchase
in a dominated number of payments, you will not how a grace period for that balance as
each payment Includes a portion of toe latest owed over the repayment tam for that
a?vMse. Howl you will have a grace period on other nnv purchases as described
BILLdNO RIGHTS SUMMARY
In Cate of Emn er Ongtom Aboul Your NI: If youthful your big Is wrong. or A you need
more information about a transaction on yon bib, aria CaNnxmrher Service on a separate
sheet n P.o. Box 15299 Wilmington, DE 79860-52W as soon As possible . We must him
from you no tiler than 60 days after we sent you the first bill on witch the enor or problem
appeared You can telephone us, but doing so will not preserve your rights. In you lel
give us the following Informal
•Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain. N you can, why you believe them is an error If you Teed
more informaliom describe the Rem you are unsure about
You do not have to pay any amount in question while we are investigating, but you an stiff
obligated to pay the parts of your biN that ere not in question While we investigate Your
question. we cannot report you as delinquent or take wham to will the amount you
question. H you have and orimd us to pay your cedk card bill automatically from your
savings or checking account, you can to the playrmr eal on any arount you think s wrong.
To mop the
rumba show t. your teem nt all must l reach m at real he s at lost aba S Three business ressdays s before e th the
e
shown n on on this anormtic peymnent Is scheduled 1. assn.
Special Ride br Credl Card Pwchom: H you have a Problem with the quality of goods or
services that you purchased with a cmcw card (excluding purchases made with a chl
and you have tried in good faith to correct the problem own the merlon, you rimy not have
to pay the renal nq amount due on the goods or servbas. You have the protection only
when the purchase Price was more than 360 and the puma was made in your home state
or within 100 miles of your making address These Rmkalions do not apply N we awn or
operate the merchant, or R we marled you the advartsement for the ithpil y err services.
MAM306
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment
$8,661.38 02/19107 $185.00 $731.38
Amount Enclosed Make your check payable to Chase Card Services.
New address ore-mail? Print on back.
CHASE O
Tax time is here. Make
your payment using your Chase
Credit card. For Cetails visit
www.chasepayyourtaxes com.
426684103620625600073138008861380000003
10767 BEX Z 02507 D
CRYSTAL PEFFER
425 CROGHAN DR
CARLISLE PA 17013-1713
1111111111\1111111111111111111111/1111111111111111111111111111
111r11111111111111JI1J1111111111111111111111111/1d11J1L11
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
':S000160284 2031036 206 256 21ie
Opening/Closing Date: 12/26/06 -
CHASE
P 01/25/07 CUSTOMER SERVICE
021
I
Minimum
ayment Due: n
1-
45-2000
$7
31.38
pall
M
Espafbl 1.888-046-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. cell collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594-8200
Previous Balance $8,816.33 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Finance Charges +$45.05
Available Credit ,
15298
$0
New Balance $8,861.38 Cash Access Line Wilmingtonn, , DE
Wilmington,
DE 19850-5298
$1,700
Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www chase.comferedit rds
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases .01644% 6.00% $4,479.34 $22.83 $0.00 $0.00 $22.83
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,358.78 $22.22 $0.00 $0.00 $22.22
Total finance charges $4505
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation ni tod, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 D 9 000 N Z 25 07101/25 Pa 1 o11
9e OS6B6 MA FM 10767 02510000090001076701
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
Ilormation Aboal Your Account
Leal Of SMbd Cams: Pleaae rayon Your lost Of delan Cam immediately by Midalg the
Customer Service member land on the from of your statement. Advisors are always
available to assist you. You ion each an Adviser by pros ing 0 alter you eater your account
mmnter
GtedRled of Payments: For payments by repmr U.S. mail. send at bast your nomination
payment due to our post office box designated for payments shown on this statement . Your
Daymhents by maU must cornply wilt ill imtratbrs on ma stabmsnI. and must be made
by check or IMney order. DapaMe n U.S. Dollars. and drawn on er payable through a U.S
hmnclal it iitution or the U. S. bamh d a fompn limncel insNlution. Do not send casn.
Wore your aarolm comber on ymrr Mack or mony Omer Paymerps must be accorreanied
by tee payment capon in the awebPo provided wAh our addrea *,life through the
emebPo window: the emvefope pnnol contain mom then ore 1 .r unup., and there
can be no staples, paper clips, tlPo or Corraspondance amended weh you payment . If your
payment is in accoadaroe weh our payment irelrwliom ant a mart available to es on any
day except Deramber 25 by 100 p.m bpi time at our poet dliee box designated for
payments on mss statamroml, we wine credml the payment to yow at as d that day. If
your payment is in accomance wilt our paymsm imhuctias. but b node available to us
alter 1.00 p m local lime at our pod dl.e box designated for payments on this amerent
It wit credit h to your account as of the held day. II you do act follow our payment
instructions or a your payment is not sent by rafter U.S. Mail to our Post office box
designated for payments. crediting of your payment may be deayed for up to 5 days.
Payments made electron-Ily through our automated telephone service Customer Service
adasors. or our web site will be aebiect to any processing free disclosed for Ihose
NymBnts.
Account lelormatlmr Reported b Credit [handling: We my report indormation about your
account to credit bureaus Late payments, missed payments w other donations ion your
account m v, be reflected in your credit mood If you think we have reported Inaccurate
indormation to a credil bureau, you may wore to us at the condiment Service address
I stall on your bdlmng stltenlent
Notice About Electronic Check Conversion: When you provide a check as oyaymend you
authonze us either to use irtonmation from your check to make a one-time ebclronic fund
t user iron, yc ur account or 10 process the payment as a check transaction. When we Ile
information from your check to make an electronic fund transfer, funds may be withdrawn
Irom Your account as shop as the same day we receive your pavmma, and you vdd at
mon"yow check back it- your financaluslitubmi Cal the customer service number on
this statement d you have questions about electronic check collection or do not wad your
payments Collected emolmo.ally
Candiuoml Payments: Any payment check or other form of payment that you send m for
less than the full balance due that is marked 'paid in too* or contains a similar notation. or
that your otherwise tender in 1utl satisfaction d a disputed arni must be said to Cam
Services. p0. Box 15049. Wilmington. DE 198503049. We reaerve al our rights regarding
those Day"res of g 4 it is determined there is an valid dispute er If any such check is
received at any other add.., we may accept the check and you will slid awe any remakingg
balance) We mnay refuse to accept any such payment by Muming it to you, nut cashing A
or destroying it. All other payments that your drake should be sent to the appropriate
paynerat address
Adnml Remwel Rothe: If your account has an annual fee, it will be billed each Yen or in
.mdhlyy nsannots. whether or nut you use your account. and you agree to pay n when
bird. The annual fee is non-refundable unless you ratify its that you wish to owli your
account within 30 days of the date we mail your statement on which the an fee la
charged am at the cams time you pay yourowstanding hence in full Your payment of the
annual to dons not affect our rights to close your account and to limit you ngN to make
tiling. cis on your account It Vow account is dosed byy you or us, we will continue to
rhrge the annual fee until you pay your outstanding balance in lull and terminate your
account mlatai ship.
Explanation of FINOM CNagm: We Calculate periodic finance charges, using the
applicable periodic rates shown on this statement. separately for each feature (e g.. balance
tru der/pnvamenre decks and ash advance'Imcls ('cheek lramaraion', purchases,
balance, lrueere, cash advanim promotional baam»s or overdraft advances). Please
roreub your Cadoxmber Apreerem for the features that am applicable to your card These
calcuatbns may comblrka rl great categorbs wttn the coal Italy periodic rates Itinerate
a 7" next to a periodic rate on this statement that rate may Wry. grid the index end margin
used to determine that rate and its corresponding APR am described at your Cardmemaer
Agreement, as amended- There ie a maximum finance charge in any mlmg Cycle in which
you eve arty periodic finance charges, and a transaction finance charge for each balance
transfer cash advance or check transaction. in the amounts s1hod in your Cwdnemhr
Agroetnant, as ammrded.
Te gut the daily balance for each day M the current billing cycle. wit lake the beginning
balance for each fares. add any row transadare or oflsr debris (iecludmg fees. unpaid
finance changes and otter charges), sulirad any Dpaayymoms or Credits, and make other
edits tare
ors Transactions am added a of the Iransad it date. the beglrming of tire billing
Cycle in which they are posted to your account. or a later date of our thrice (except that
Clack transactions are added as Of the date deposited by the payee or a later date of our
churcah Fees am added either on the lade of a related tram Ilion, the dale trey are posted
to vow account . or the last day of the billing cycle . This gives us Nat days dairy balance. A
credit balance a treated as a balance of zero. II a dally periodic rate applies to any leatura,
11, mulipry the daily balance by the daiy periodic rate to get your Periodic finance charges
for chat day. We then add these periedc finance charges to your daily balance to get the
bagmmng balance tor the next day. (If more then we daily penodo rite pup apply based
on the average dairy balance, we will use the daily periodic rate that applies for the average
reiv balance annual at the end at the citing cycle to calculate the daily periodic fiance
charpa each dry., a this statement shows a previous cycle average daiy balance for
Du ses, In do the same thing for each day of the previous cycle to gut the daily balance
of purchases for the previous along cycle . However, the daily balance for previDai billing
yes purchases ms considered to be zero for each day d the pmwous biting cycle 9 a
peradc finance charge was already haled an purchases Ilem¢ed on your pevious
statement or tire received payment of your New Balance on your previous shtanxi in full
by the dale and lime your payment was due
To get your total periodic finance charge far a bill ing cycle when a doily periodic rate(s)
applies, we add all of the daiy pi nadir finance cargos for al features. To determine an
average day balaoe. we add your daily balances and donde by the number of the days in
ill apdI ollbaq cycle(s). 11 you mueioly the averagge daiy balance for each feature by
the applcable dark periodic dale and then mortality each m these msulls by thenumber ef
days in the applicable baluq cycle(s). and then add all at the rows together, the total will
also equal the periodic finance charges for the billing cycle, except for minor m atom due
to rounding. To gel your total owex is 1!7 carpe fora oiling cycle when a monthly
Perodc 'aie(s)applies. multiply the average daiy be ta. for eachfature by the OPP,abe,
monthly periodic rate ant add the results together The total all egnal the periodic finance
charges for tM bilhg cycle, except for minor variations due to rounding.
Creed Pored (af legal 20 days): We accrue periodic hnanca CMrges en a ma's" m ' fee.
Or finance charge from th raw it is added to Your daily blance until paymem in full is
received or, Sro r account However, we do ref charge period. finame charges on new
purchases baled Uunnp a biNrp cycle t we receive both paYnhant of ymnr New Balarxx on
your current statement by the date and time your Daymem is des and abo payment d ur
New Balance on your De-M statement by tM date and time your payment was due. There
is re grace period for balance transfers. cash advances, check transactions, or overdraft
advances. In addition, if there is a 'Qualifying Promotional Financing' section on this
stalemem, you will not inch periodic finance charges on any Remamhg Beonce that
appears in that section i you pay that balance in full tying, applicable Expiration Date To
avcd finance charges on new purchases when your New Balance includes any Reneimnp
Bnlance(sl m the OuWtying Pronatioral Rnamang sxtionu Pei full New Balance hams
ds total of hose Remaining Baaneei by the date and lame your payment is due. However.
II you statement shows that a minimum payment is due we must receive at bad that
minimum payment by the date and time specified on your statement, even if your Nov,
Balance consists only of OwI fYing Promotional financing bakams
For 'deferred interest' Oueliying Promotional Financing, periodic finance charges accrue
during the promotional mod bud we not added to your account balance. !msiead, they
apnominate from billing cycle to bill ng cycle . If a dderred Mitred Queldynp Promotional
Fanacng balance is not paid in lull by the applicable Expiration Date, the delerard hrance
Charged well be added to your account as soon as the first day alter the Expiration Date.
Rather, l you default under the leant of your Giamatti Agreement, the deferred finance
charges wnl be added to your account ea soon as the date of dMaull.
For "fixed payment" Oat" Promalicnal Rnanenq that pemilsycu to pay for a purchase
in a designated number of payments, yYoou will rot hove a grace period for her balance as
each pyrtent includes a portion of ill inbred owed over the repayment team for that
purchase. However you will have a grace period on other now purchases as described
above.
BILLIRB RIGHTS SUMMARY
to Case of Emcee or Q*Wiom Aboul Your Bill: If you think your bid Is wrong. or A you need
more intorrrtbn about a transaction on your bib, write Cammember Service on a sepamte
sheet l P.O. Box 15299 Wilmington. DE 19111 as soon as possible We must hew
from you no later than 80 days after we sent you the first bill on will on the error or problem
appeared. You can telephone ue, but doing so will not preserve your rights. In your otter.
cove m the lolbwng mdorlraoon.
• Your owns and account number
• The dollar amount at the suspected error
• Describe the error and explain. I you can. wiry you believe there is an error. If yrou reed
more nfonmlton, describe tee dam you are unsure about
You do rot have to pay any amount in question while we are investigating, but you are dill
obligated to pay the parts of your bill that are not in question While vin invalidate your
quastlon, we cannot report you as dalleat ell of take action to collect the amount you
question. If you have authorized to 10 pay your credit end bill automatically from vow
Sevin w checking account,you cansbp the pa monanyaruunnyouthinkswrang
To sMD the paynent, your letieror call (usingtbe (ardmambeir Service address or telephone
number shown on this statement) must reach us at bad three business data before the
autonmlic payment is scheduled to occur.
Special Rule for Credit Cold Presidents: H you have a problem with the quality of goods or
services that you purchased with a credit card (mindug purchases made with a deck).
and you have mad in good faith to pmect the problem path the merchant, you my not lave
to pay the remeinmg around de on the goods or services You hove this protection ony
wAen the purchase pricewas more thin $0 and the purchase were made in your home state
or within 100 miles of your mailing address These limitations do nut apply it we own or
operate the retching l or it we =tied you the advermanxnt for the property or services.
MA080306
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment
$8,816.33 II?? 01119/07 $0.00 $501.33
Amount Enclosed Make your check payable to Chase Card Services.
New address or e-mail? Print on n back.
.
CHASE O
Tax Time is almost here. Make
your caar,FFoot ln rd etail5 visit
of ficialpayments. com/Chase.jsp
426684103620625600050133008816330000008
31983 BEX Z 35906 D
CRYSTAL PEFFER
425 CROGHAN DR
CARLISLE PA 17013-1713
III11111111111111111111111111111111111111111111111111111111111
IIIJIL/IIIIrr1111111JI111111111d11111111L1/111ddILlr11
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
f: 5000 160 281: 20 3 10 36 20 6 2 56 211•
CHASE O Opening/Closing Data: 11/26/06 -
Payment Due Date: 12/25!06 CUSTOMER SERVICE
01/19/07 I
U
S
1
Minimum Payment Due: n
.
.
-800-945-2000
$501.33
Espefiol 1-888446-3308
TDD 1-800-955-6060
Pay by phone 1-800436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1 302 594-8200
Previous Balance $8,957.47 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Payment, Credits -$185.00 Available Credit ,
15298
$0
Finance Charges +$43.86 Cash Access Lire , DE 19850-5298
Wilmington, n
°Immgto DE
$1,700
New Balance $8,816.33 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www chase corrl/erat itcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
12112 13463460832469101400000 PAYMENT - THANK YOU $185-00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Balance Due To Tr ansaction Accumulated FINANCE
Category 30 days in cycle APR Periodic Rate Fee Fin Charge CHARGES
Purchases .01644% 6.00% $4,555.48 $22.47 $0.00 $0.00 $22.47
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,336.99 $21.39 $0.00 $0.00 $21.39
Total finance charges $4386
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction tees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FI53333.5 D 10 000 N Z 25 06!12125 Pape 1 011 05696 MA MA 31983 35810000100003198301
_r -
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
Imortuatton About Your Amount
Lee[ of 810104 Car&: Please report your lest or stolen card wmmeegtely by cal6lg the
Cilrtsmef Service member amend on the from of vow statement. Advisers are always
acaiiable to arsist you You an each an Aduimr by pressing 0 alter you enter your account
number
Clothing of Payments: For payments by r31lar U.S. mat, send at past your minimum
payment due to our Post office box designated for payments shown on His statement. Your
Daynenis oy mail most comply wNh the Iatructioa on this staemennl, and inapt be made
by ctcN o money order. payable in U.S. Dollars, and drawn all or payable though a U.9
financial irisldrnion ar the U S. branch of a foreign financial irphlutmer Do rel send cash
Wine your acvud number an your check or money order Payments must be acaompartiod
by the payment coupon in the envelope pro ided with our address vision though the
envelopewindow. the envelope cannot contain more than am payment or coupon: and linen
can be a staples, paper clips, tape or cormspcerden" ndtged with your payment. N your
payment is in ancorW ncer with our payment Instructions and is mare avaipbb b us on any
day except December 25 by 100 p no local time at our post ofNce box designated for
payments on this stateiem, wa will credit Me payment to Your account as of that day. If
your paymein is in accinance wdh our payment Instructions, bug is made awash to us
aver 100 p in local time at our post office box designated Inn payments on tins statem ent.
we will credit it to your account as d the frond day 11 you do not follow, quo Payment
instructions or t your payment is trot sent by regular U.S. mail to our post office box
designated for payments. crediting of your payment may be delayed for up b 6 days
Payments made elecirmocaly through our automated telephone mrvice Customer Service
advisors. or our web site will be subpcl to any processing rimes dlsdesed fu those
payments.
1.011 Imoamalloo Reported Is Cmdl Rwaals: We may report information about your
account to credit bureaus Late payments, missed payments or other del is on Your
account may be mHooled in Vow credit report If you think we have reported Inaccurate
information to a credo bureau. you my wine to us at the Cardmember Service address
Ipted on your billing stalamemt
Notice About Elechome Check Conversion: When you provide a check as payment. Von
au(henz' ms either an use imonnation from your check to make a ore-tine electronic fund
transfer from your account or to process the paymam as a caecktranaction' When we Ise
imornatiM from your dock to rake an electronic fund (mister. funds may, be withdrawn
from your account as soon as the saint day we receive Your, paumenh orb you wit not
recerve your check backIrom yournnanal wnstnion. Cal the customersen number of
this statement if you have questlom abate electronic check collection or don Worh 'y0of
payn -to collected electronically
Condllb4al p4ywena: Any payment check or other form of payment that you send us for
less than it full balance due that is marked 'paid in full' or comairs a simibir %ratkvn, or
lift ggeu otherwise mentor in full satafaetlon d a tlispu10d amount, most he card to Card
Services. P0. Box 1504 Wilmington, DE 19850y049. We reserve at our rigms regarding
these payments in g 1 it is determined there is a wild dspub or A anv such clack a
received at any other address, we may accept the deck aid you wJl sfil awe any mmanwngg
balm"). We way refuse to accept arty such payment by returning it to you, not ashing N
pr deshoying it All other payments that you make should be sent to the appropriate
payment address
At40al Renewal Notice, If your account has an annual fit, it will be billed each year or in
monhN hhstallments. wMtMr If not you use your xcoum. and roof agree to pay it when
billed. Ae annual tee is an•reunabb unless you rally us the you wish to eban your
account within 30 days of the date we mail your statement on which the animal fees
charged and at the sametinva You pay your ewdemndmg balance can full Your payment of the
annual on 0"s not affect ow riot#s re close your aaoum and to lion your nigh to make
transactions on your xcoun_ If your account a closed byy you %, we will continue to
charge the annal lee until you pay your outstanding balance in lull and terminate your
a"oum m atoahit.
Explanation of Fgnaaa Cleafgec: We calculate periodic finance charges, using Not
applcabla periodic ales shown on tines stuemen. seDarteefy for pct feature (e g.. baarce
transfer/convanbtoe checks and ash advance checks ('Check tramaclion'), purchases.
balance transfers, cash advances. promotional balances or overdraft advances) Please
ceavq your Grdmemoer Aggrfpment for not natures ttgt an applicable to your cud Tense
calculations may comtun ddlaront caegale5 with the same dally words, rates. If there b
a'V" nerd to a peMae rate on thin statement that oak mry vary. and as irxlex M margin
w d to khom .and to aid its "respondhng APR are Srseribed in your Gartlmemher
zseerniont, as amended. There is a marmum finance charge in art/ bilmg cycle in which
vat owe any periodic finance charges. and a transaction falance charge for each balance
transfer cash advance, or check trarsacton. in the amounts slated or your Cadmember
Agreement as amended
To get 11, aty balance for each day of the curnnl billing cycle we lake the beginning
babnce for each frearm, add any mw transaction; or alter extra (including fees, unpaid
hron" charges and other shoo a. suwract any or credRS, and rake other
adbslmentsTransactlons am added as of the induries n date, the beginning of the billing
'ycm can which tley are Posted b your account or a later date of our duke (excise that
'beak transactors aro added as M It dam deporned by the payee or a lair data of our
ohoice). Fees an added eitheron the date M a related I- " on, the doe ity are posed
to vour account. or the ash day of the billing cycle. This gives as that daye deli balance A
credit pain" is treated as a beano of zero. if a deny periodic ran apples to any Feature,
we multiply Me daily balance try the daily periodic rate to 0 yew per odic finance charges
for that day We (hen add them perodk finance charges to your daily balance to get the
begmnmg bbanae rer the acct day. (it more the n one defy Periodic rate could apply based
on the average aig' balance. we will hoe the daily edodic rate that applies for the average
daily deice maoum at it* end d the hilNng eye Pa to calculate the daily perware fierce
byCa each day) h this satamem sMvp a previous yCla avenge daily balance for
purzael , w i do It same Ihhng for each day of the previous cycle to get the daily balance
A purchases for the prevlohs binning cycle However, the city balance for pro*. billing
cyclle purchases is constdared to be zero for each day d the pninous btlwng cycle t a
perodc finance charge was already bided an pwchases iterated on your pmveas
s'Wlemenl or We received payment of your New Belam on your previous samment in haul
oy the ate and time your payment was due
To gel your total periodic finance change for a billing rote who a daily periodic rate(s)
apples. add all of the daily parasol finance cifrge for at Ipture. To delermine an
fve rage cony balance. we add your dally balances and do ds by It number of the days in
t daiygperYroresrateI you , andrthenpnwlthe 9N eachxo&it? for each feature by the number by
he applicable at
days in the appbcable ban, ycmis). and than add all of the resuns logether the loal oval
ales equal Me periodic fiance charges for the tilling cycle except for minor wriatimp doe
I. rounding. To 0 Your Loral on'. tinaooe charge for a Wei cycle when a menthly
periodic rests) applies. ill the avenge airy batsnca for each lplwebythaapplica le
nmmhly periodic fate Ad add the results together The total will real the periodic fiance
charges or the pining cycle, except for namr •nriatioa due to rounding
Grace Period jag All 20 dT,): We accrue parodic finance charges on a irmi action, fee,
cr finance charge from the date n is added to Your daily balance unfit Daymem in full is
received on your acepnha However, we do rat charge periodc bounce charges on now
purchases billed during a bilNrq cycle 9 we rocerve both payment of year New Below on
wor current sklemerr i by the dale antl time your paymerA a dm and also Daymert d ur
New Balance on your previous statement by the due and tine your payment was due. There
is rw grace period for balance transfers, ash advances, check transactions. or owneraft
advances, In auction, t there ws a "Qualifying premohomil Firarrirg' section on this
statement, you WIN not am periodic fimn" charges on any Pamumrp Reprice that
appears in that section d you pay that balance In full by the applicable Expkatlon Date. To
avoid finance charges on new purchases when your New Beane includes any Remaining
Balance(s) in the Oualifrmp promotional Financing section. pay your full New Bounce mans
the total of thee Remaining B flanoajs) by the date aril time your payment is da. However,
if year statement shoos that a minlmun payment a due, we most receive at least that
Ttmmam psyy?mein by the date and tare specified on your stateroom, even if your New
Balance co stir only of Ofeafying Promotloel Financing balances.
For `delerred interest' Qualifying Promotional Faarxiing, periodic finance charges accrue
dunng the promotional Derad bud are not added to your account balance. instead, they
accumuple from being cycle to billing cycle. If a determd Interest Dee lying promotional
Fagnring balance is not paid in full by the applicable Expiration Date, the deferred finance
Flyugp will failNceirndserysihetemp of aurasoon rdas the manber first day after the Excumbion Date.
Yo Y Agreement the deferred finance
charges 'I, be added to your account as soon as ft date of Maul,
For lieu paymen" Oualt nng Promotional Framing that pemrils you to pay for a purchase
in a desigmMA number ail payhana, you will rot have a grace Period for that balance as
each payment includes a portion of the warrant owed over the repayment term for that
dominate. However, you will have a grace period on other now purchases as described
.W.
BILLING RIGHTS SUMMARY
Is Case of Errera or Qtealiou Ablaut Your 80: I1 you think Your bill Is wrong, or if you need
more informal abort a tmreacdon on Yoin hiN, write gmlmembar Service on a separate
stet at P.O. Box 15299 Wilmington. OE 10850.5299 a soon as possible . We must hear
from you a later than 60 days after we sent you the first bill on which the error or problem
appeared You can telephone ere, but doing se will rot preserve yaw rights. In your latter.
give an the falknvkp rmorrmtion.
• Your name and account amber
• 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
mine mtonmibn, describe file Rem you are unsure about
You do not have to pay any Import in question while we are investigating. but you are still
ohNgated to pay the parts of your bit that are not in question While we imedigate your
question. we cannot report you As delinquent or take selon to eolNwrt the amount you
question, if you have auiherimd is to pay year credit card bill automatically from your
sawrgs or checking Account, you can slop the payymmeent on any amount you thin, a wrong.
To stop the payment, your War or call jusingthe CardmemberService acidness or mmphome
number shown on this stickmen) must reach us at Iasi three business days before the
automatic pays: ws scheduled to occur.
Special Rule for Credit Card PweMms: N you have a problem with the quality of goods or
services that you purchased with a cede card (excluding purchases made with a check).
and you have tred in good faith to correct the problem with the merchant, you may rot have
to pay the remaining amount due on the goods or ser seas You have this promotion only
when the purchase price was more than $60 and the purchase was made in yaw home scale
or within 100 miles of your mating address These limtations do not apply A wer own or
operate the m arehaat. or if we railed you the advartaemam for the property or servees.
MA080306
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE
$8,957.47 12/20/06 $925.00 $1,567.47
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
426684103620625600156747008957470000009
30811 BEX 2 32908 D I/ I I I I I I I I I I I II I I I II I I I I II I I I II II II I I I I II I I III I I Il l l l l I/ II I II I
CRYSTAL PEFFER
425 CROGHAN DR CARDMEMBER SERVICE
CARLISLE PA 17013-1713 PO BOX 15153
WILMINGTON DE 19886-5153
III IIIIIIIII II II II IIIIIIIIIIIIIII III /I till 11111 l/till ll 111111 till
1:5000160 281: 2031036 206 256 2110
CHASE O Statement Date:
P
a 10/26106 - 11/25106 CUSTOMER SERVICE
6
12/2010 I
U
S
1
Minim m
ayme
nt Due: n
.
.
-800-945-2000
$1
567.47
,
EspaW 14M8-446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594-8200
Previous Balance $9,096.41 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Credits 4185.00
Available Credit ,
P
.O.
15298
$0 .O. Box
Finance Charges +$46.06
Cash Access Line , DE 19850
Wilmington, DE -5298
$1,700
New Balance $8,957.47 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.coMcredilcards
You haven't made the required payments and your credit card account is 150 days past due.
You can still turn things around. Call us today at 1-1188-792-7547 (collect 1-302-594-8200) so
that we can find a solution for your situation.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
11/121316316083246909850D001 PAYMENT-THANK YOU $185,00
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
Purchases .01644% 6.00% $4,719.97 $24.06 $0.00 $0.00 $24.06
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,315.28 $22.00 $0.00 $0.00 $22.00
Total finance charges $4606
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges -including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
X 0000001 FI533335 0 6 000 N Z 25 06/1125 Page 1 of 1 05686 MAW 30811 32810000080003081101
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
lofofmatfon About Your Account
Lost or Staten Cards: Please report your lost or stolen card immoralely by all the
Customer Service rombe found on the fount of your statd>bnt. Advisors are always
maibble to assist you. You an reach an Advisor by pressing 0 after you enter Your account
number.
Creafllrrg of Payments: For payments by regulsr U.S. mail , send at Most your minimum
payment due to Om post office box designated for payments shown on this statement. Your
payments by mad must comply wish IN trstru:hons on this stal m t, and must be made
by check or storey order, payable In U.S. Dollars. and drawn m or payable through a U.S
financsl k,daurkn or the U.S branch of a foreign foma l institution . Do not send cash.
kti your aarout number on your check or money order Payments must be accompanied
by the payment coupon in the antelope provided worth our address visible through the
enwbpe window the enwbpe canrrof wnlain moo then one payment or coupon: and there
an be no staples, paper clips, tape or wrrasponrbnoe Included wail your payment. If your
payment is in woomanoe with our payment instructions and is made mailable to us on any
day exceld December, 25 by 100 p.m dal time at our post ofia box designated for
Dayn- on this staMinal we will credit the payymment to your accord as of that day. 11
your payment is in accordance with our payment instructions, but is made awiable to is
alter 100 p in local time at our post office box designated for naymens on film ddenent
we wit credd R to your account as of the next day. 11 yyoou do not form our paymad
insructons or t your payment is rot sera by regular U.S. rtWl to oar pest office box
it TZed for payments, crediting of your Payment may be delayed for up to 5 days.
Paymen8, ,we electronically through ouraut-ted lelephoe service Customer Service
advisors. or our web site Will be subject to any processing times disclosed for Muse,
Payments.
Aceolnl Inormallot Reported Is Cmdll Banal We may report inforrnation about wur
account to credit bureaus Late payments, missed payments or other data 411, on wur
account may be ref i cled in your credo report It You think we haw reported naccunte
neormalion to a corld bureau, you may wme to us at the Cardmember Service address
fisted on your bitting statanrent
Notice About Electronic Check Conversion When you provkM a check as ppaayymem, you
autnonz, us either to use idunnaxam from your click to make a one-tiara electronic turd
tmster from your adopted or to process, the Payment as a obaktherea cton Winn law use
iraorlmtion from your Ohack to make an electronic fwd tratill funds may be withdrawn
from your aa:ounl as on as tie same day we reciew your plutonium! , and you will not
raerxe your check back from your financial irst thron. Cori it. custpmer service number on
rtes statement if You have questions about electronic check colalkn or do not Wam Your
payments collected structurally
.
ConMlmrmi PT 1w 1: Any payment check or other form of payment that you send or for
less then the . ;Thna due that b marked 'paid in her or cemains a similar notation, or
that yyou Otherwise fender an full salrsfactkn of a disputed amount, must be sum to card
Servkes. P0. Box 15019. Wilmington, DE 19850-5M We reserve IN Our rights regarding
these paytnems (e g R it is determined it.. is no Wild dsDOte or R any such check is
received at any other address, we may accept the deck and you will still Yore airy remanmg
babncei We lay refuse to "curt any seam payment by retuning it to you, M1 p hhg t
or destroying it. All other payments that you (make should be sent to the appropriate
payrin' address.
Auaal Rommal Notice: If your account has an annual fee, it will be billed each year or in
mm,Ahy IreMllments. vdsther or not you use your mcounI ate frou agree to payy R when
baMU Tie annual tee is non-refundable on" you ratty nit that You wish to close your
account within 30 days of the dale we mail your statement on which the annual fee is
charged and at the same lime, you pay your outstanding balance in full Your payment d tin
annual tree does not affect our rums to close your abcoum and to rand your tight to make
transactions on your account If your account 6 closed %you a its, we will Whom to
charge the annual fee Lauri you pay your outstanding babae in IuN and terminate your
account relabmship_
Explaaatloe of Finau Charges: We cakulale periodic finance charges, using the
applicable periodic arts shown m tors etdmlem. wpamtey for eech feature leg.. balance
trynsferldorWmlexae chocks and ash advma checks ('check harsadion'j, purchases,
balance tarsiers, cash advances , Promotional babraas or owrdaft advasea) Please
comity your Cardmember Agreement for the features that am applable to your card Thee
calcuMrons may Ooil*m different cateporis with the same daily periodic rates. H there a
a V' next to a perlodk rate on this statement. that rate may wry end the index ate margin
used to determine that rate and its wmespondmg APR are described in your Grdmember
Agreement, as amended. Thare is a mnnnum finance charge m any li g cycle in which
you cote any periodic finance charges. and a tramactkn finance rge for each balance
transfer, ash adwna. ar check iasaction, in the amounts staled to your Gmmember.
Agreement. as ainerdm.
To gall the daily balance for each day of the current bil cycle, we take the beginning
balance tor each feature, add any new transactions or otter debits (Including teel unpaid
finance charges and that charges) subtract any ppaayyments or credds. and make other
adjsimerms rint.t ions are added as of the transact n dare. the beginning of the billing
curie in which they are posted to your account, or a later date of our duke (except that
check masacllons am added as d the dale deposited by tin payed or a Igor date of our
choke). Fees are added either on IN dam of a related transaction, the date they are posted
to .our account. or the last day of the billing cycle . This give us that days ditty balance A
Re It babnce s treated as a babmce of zero. If a daily periodic rate spokes to any feature.
we mulloly the daily balance by the dally partial rate to get your periodic finance charges
for :hat hay. We then ado these peniodk finance charges to your daily balance to get the
begnmmg belance'or the next clay, (If more then one defy poode rate could apply based
on the average di balance. we will use the daily periodic rate that applies for lie average
half y balance amount at the and d the billing cycle to caeulate the daily perat is Instil e
charge each day.) II this statement shown a previous t* avenge daily Islands, lot
Purchases. we do the same thing for each day of the previpps cycle to gel the daiy balance
01 purchase for the previous baling cycle . However, the daiy balance for previous hiring
cycle Iwchases c considered tc be zem Ior each day d Ih previous baling cycle if a
poo lc finance charge was already riled m purchases Rem¢ad on your prewans
statement m live received payment of your New Balance on your previous statement in htli
by the dale and It" your payment was due
Tn Gel your total periodk finance charge for a biping role wham a tlaihy periodic rale(s1
app stein. we mU all d the daihu pmialk firona cmargs for all feature. To determine an
"'raga derN Dalaun.e. vve so your dally babracs aril diode by IN number of the days in
the apdnpble n wt, If you m MiDlYthe average daily babrrce for each feature by
me al" cable dally Pen is rate, and then nwh9y eadh d these results by the number Of
Days can the apdto*ble biting cycle(s). and then add all Of the rsWts together, the total will
also eWal the Parodic finance charges for the rifling cycle. except for minor Motions due
to rdu rdng To gin your total periotlk Inaroe charge for a bikrg .ryde ohm a nanMy
perodc rateel actual ntuply the average daiy balance ror eachtedure by the applicable
monthly periodic rate arid add the results together. The total vnll sp
ep1aY the period Ihpse
rhargs for the biting cycle, except for mhor wriatiors due to rounding
Grace Perm' (af Ieaal 20'ayt): it We oar,
s peradk Ijxw%Ohargs on a Innsadion, fee,
or fironca charge from the s as added to wur daily balance until payment in full is
received on Your account. However, we do not charge Periodic finance dargs on maw
purchases billed dustup a otltng cyd 0 wit Imelye both payment of your Now till on
your cum ilt statement by in. date and firm your payment s due and also payment d car
New Balarce on your Drevwus statement by the dale anU tine your payrtent was due. There
is no glace period for balance transfers. cash advances, check ImnWions. or overdraft
advances. In edition, it there is a -Qualifying Promotional Financing' sedan on this
statemel you will not incur periodic fjnance charges on any Remumrg Balance that
appears in that section i you pay that balance in fall by the appikcffile Expiration Date. To
amid finance charges on new purchases when your New Balance includes my Remaining
Balance(s) can the Qualayng lar'omotional financing section. Pry your full New Balwce moll's
the total of dose Remaining GNanee(s) by the date and throe your payment is due. However.
II you statement shows that a lninimurn payment is due, we must raawe at reasi that
Mninum P%nwm by the date and time specified on your SUMMM awn it your Nee:
Balance consists my of ouaMyuq Promotional Rnmcng bawm,
For 'deferred interest' Quali ri Promotional Financing, periodic finance charges accrue
during the promotional period but are not added to your account balance. Instead, they
accumulate from biting cycle to billing cycle. If a dekfred kieresl O%FA* Pfmolbml
Frtendi g D.M- is not paid in 1.1 by the applicable Expiration Date, that as of intends
•har0es w It be added to your account as soon as the and day after the Expiration Dole.
l l delauR undertheterns of your Card a ben Agreement thedeterred finance
charges will be added to your account re open as pre date ofdNauR.
For'fixed payment' Gratifying Promotional Rnarang that permits you to pay for a Purchase
in a designated number of payments, yyoou will not haw a grace period for that balance as
each payment Includes a portion of Ifhe Imareel owed over iha repayment term for that
anchase. However. you will haw a orate period on Mho now purchases as described
above.
BILLING RIGHTS SUMIWLRY
to Gee of Enron or rhedho w Atil l Your fill N you thnk your bill Is wrong. or A you need
mare information about a transaction on Your hill. writ Cahn»msr Service nn a separate
shoat al P.O. Box 15290 Wilmington. BE 19850.5299 as soon as possible . We must how
from you no bier than 60 days after we safe you life 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 mlorlraaon.
• Your more and account number
• The dollar amount of the suspected error
• Describe the error and explain, it you can. wig you believe there is an error. If you need
more nforre dion, dascl the Rem you are unsure about.
You do nod have to on my amount in question whim we am investigating, but you are still
obligated to pay the parts of your bill that are nor in question. While we irwestgale your
question. we cannot report you as dellnquart Or 'mks action to mlbd the amount you
question. H you haw authorized us to Pay your cede card bill autonedi ally from your
savings or chackarg account, you can slop the pa nrant can any grout you think is wrong.
To stop the peynent you MUm a all (minglhe Cardmamber Service addressor telephone
number shown on Ihs statement) most reach us at least three business days before the
mina naac pwnml is scheduled lo occur.
Special Rine lot C" Card Pwchaeea: H you have a problem with the quaYly of goods or
services that you purchased with a credit card (excluding purchases made with a dacq.
and you have tried in good ladh to correct the problem wth the merchant, you may std haw
to pay Ile reimining smo eve due on the floods or services You have thin protection only
when the purchase once was more than 959 and the purchase was merle in your lame sine
a within in) mils d your mailing address These limaa wrat do of apply t we Own or
operate the lnerdlert. or if we mailetl you the sdwrtsemem for the Properly of servMS.
MA080306
T
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment
CHASE O
$9,096.41 11119/06 $925.00 $1,706.41
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or e-mail? Print on back.
426684103620625600170641009096410000001
10643BEXZ298060 1rrr11111rJrJdrdrrllrrrLlrrrr161drrrlLr1/1rrJlrrll,d
CRYSTAL PEFFER
425 CROGHAN DR CARDMEMBER SERVICE
CARLISLE PA 17013-1713 PO BOX 15153
WILMINGTON DE 19886-5153
L1dILrrlllrrrrrdlydlrrr1111r1r1,r11l,rILrrIJll,l,Llrrl
1:5000160281: 20 3 10 36 206 2 56 2ife
Statement Date: 09/26106 - 10/25/06 CUSTOMER SERVICE
CHASE O Payment Due Date: 11!19/06 In U
S
1-800-945-2000
Minimum Payment Due: $1,706.41 .
.
Espefbl 1-888-146-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594-8200
Previous Balance $9,236.17 Total Credit Line $8
500 ACCOUNT INQUIRIES
,
Payment. Credits -$185.00 Available Credit $0 15298
Finance Charges +$45.24 Cash Access Line $1,700 , DE 19850
Wilmingtonn, DE -5298
Wilmington,
New Balance $g,o%41 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886.5153
VISIT US AT:
www.chase.corNaeditcards
You haven't made the required payments and your credit card account is 150 days past due.
You can still turn things around. Coll us today at 1-888-792-7547 (tolled 1-302-594-8200) so
that we can find a solution for your situation.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
10112 12852850832469090400006 PAYMENT - THANK YOU $185.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Periodic Rate Fee Fn Charge CHARGES
Purchases .01644% 6.00% $4,878.13 $24.06 $0.00 $0.00 $24.06
Cash advances .01644% 6.00% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .01644% 6.00% $4,293.70 $21.18 $0.00 $0.00 $21.18
Total finance charges
$4524
Effective Annual Percentage Rate (APR): 6.009/6
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
Did you know you can use your credit card to access cash
whenever and wherever you need it? AN you need is your
PIN (Personal Identification Number) and an ATM.
Just call 1-800-297-4970
to create your PIN today.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 0 5, 000 N Z 25 0611025 Page 1 011 0%80 AAA MA 10843 29810000ORM1084301
Address Change Request
Please provide information below only it the address information on front is incorrect.
Street Address:
City: - -------
State: --
Zip: -----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: -
L
Idormalren Abohd Your Account
Lost Of Shuttle Cares: Plates report your lost or stolen card mmmudtetlly by calAly the
Castomer service number found an the from of your star igooll Advisors am always
awihble to assist you. You can reach an Advimr by pressing 0 after you enter your account
number
Credging of Payments: For payments by regular U.S. male, send at Most your minimum
Payment due to sir post dfice box designated iw payments shown on this statemerd Your
Payments by rapt must comply wdh the instructions on this statement and must be meat
by check or roomy order, payable in U.S Dollars. and drawn on or payable through a U.9
financial irruiitxaion a the U.8 branch of a foreign fironoal institution. Do rat send cash
Write your acooua mm0er on your check a roomy order. Payments must be ace rou'riad
by the payment coupon in the envelope INOWded wth our address visible through the
envelope window: the envelope cannot remain mom than one payment or coupon am there
can be ro staples, paper clips, tape or cermspendenoe mcreded with your payment. If your
Payment is in accoMa rce with our Nyment Instructions and is made available to ua M Any
day except Decmnber 25 by 100 pm local time at our post office box designated for
Payments on this statement, we will credit the payment to your accoua as of That day. It
your payment is in accordance with our payment nnstructiom, but is made awihble to to
filer 1 O0 p m local time at our pad office box desigrated for payments on ilia statement
ore will credit It to your account as Of the mxl defy 11 you do out form mr payment
instructions or if your payment is rot sent by regular U.S mail to our post office box
designated for payments. credamg of your payment may be delayed (or rip lo 5 days.
Payments made electronically through our automated teiephon a service Customer 6erwce
advisors, or our •-1e, site will be subject to any processing P. disclosed for those
PayoxOts.
Account Imormatba Bemused Is Coll Buhals: We may umod information about your
account to credit bureaus Late Paymords,. missed Payments or other defaUts on your
account may be reflected in your credit report . It you think we haw reported Inaccurate
imdurmahoo to a credit bureau, you my write to as at the Cardmdnber Service add-
udad on your billing stabmnt
Notice About Electronic Check Conversion: When you provide a check as ppaayment. you
auth- Us either to use, idonnauon from your dock to make a one-tine, electron, fund
trarsler from your account or to process the payment as a check Imreactan When we use
inbrmmiw from your check to make an electronic fund transfer funds may be whlho wn
Irons your account as soon as Ito sum day we receive your Payment and you will rid
twelve your chack backfrDm your financial lmtautmon. Cal the cusmmu servkar mmber on
this statement a you have questions about electronic check collection a do rot wool your
payments collected sedronicaly
faMilbnal paaroeata: Any Daystem check or otter form of payment that you send us for
less than the toil balance due that s marked "paid in full or contains a similar natation, or
twt you otherena tander an full sinshdon of a disputed anaouriL must be Pont ro Card
Services. PD. Box 15049. Wilmington, DE 196503049. We reserve of our rights regarding
the. payments (e g if it R determined there is ro valid dispute or it any such check e
received at any other address, we may accept the check and you will dill owe any mmamng
balanxi_ We may refuse to accept any such payment by returning it to you, rot asking l
or destroying n. All other payments that you lake should be sent to the sup no
payment address.
Apwl Repeal Nolke: If your account has an annual fee, h will be billed each year or in
mothhemhlhmnts, vtxther or rid you use your account. and you agree to ionyy it when
b0lad. annml tea is ronreflmdabb unless you notify us that you wish to obse your
account •wAhin 30 days of the date we mail your statement on which the annual fee is
charged and at the same time, you pay your oulstaMing bab ice in full Your payment d the
annual tee does not affect our rights to clap your account and to trait your right to make
transaction on your account. If your account is closed b4 you of us, we At continue to
charge the annual fee until you pay your oulstanding balarre in full and terminate your
acooum matmmhip.
E4laadbo of Flnanp Cheryp: We calculate periodic fimnce charges, using the
applicable pereodic rate: shown on this slalemem. saparatek, for each feature {e g., balance
lrandedcorommerce docks and cash advance checks ("check tramactfon"). purchase,
balance tramferx, cash advances. Prorelioral balances or overdraft advances) Please
conul your Cardmember A;qreemmem for the features that am applicable to your card These
calculatmns may comblhe dllevent abgortes with the sax roily periodic rates N them e
a "V- next to a periodic rate on the staNment. that rate may wry, and the index and margin
used to delo mint that rate a d it. comespi APR am described in your Card-irnber
Agreement, as amended. There is a mmnnum frame charge in ant 11 Oycte m which
you care any mriodk filmic. charges, and a transaction fiance Marge for own balance
brander, cash advance or Meek transaction, in the amounts stated for your Czrdmember
Agmeri as amended.
To get the daily balance for each day of the current billing cycle, we, take the begimirg
balance to each feature, add any eve transacero or dher debits (inclding lees, unpaid
drone, Merges am other charges), counsel ary paylmnls or cradds, and make ~
ad(rslmams Trnsadem are added as of the Iran m date. the beginning of the billing
cycle in which they are posted to your account- or a later date d Fur droice (except that
check iransactlom are added as d the dale deposited by the pines or a hater data of our
uhoicei. Fees am added either on the date of a related transaction, the date they are posted
co your account. orthe lad day of the billing cycle. This giaea as that day's daily balance. A
credit boom ms treated as a balance of zero. II a Oaay periodic rte appes to any Nature,
vat Muth pry the daily beFUmx try the daily periodic rte to get your Faradic finanoe charges
for that day We then add testae perialk hnanoe charges to your daily belance to get tlx
beginning balance fa ilia next day.111 mat then ors daily perredrp rob could apply based
on the average dairy balame. we coil use the daily pperfodk rate Iloi applies Ior the average
,say Polar a anwud at the end d the b ting vela to akuMe Ono tai y Faradic h.-
charge sach day 1 U Ihms maxmem sMas a previous yele avarege dairy balance for
Pura sai ore do the same Thing ter eaM day of the Previous cycle b gd the deity balance
of purchases far tie pmvoua buing cycle However, the deny balance Ior preveus billing
ycle purclxses is considered to lea zest for each day d the Previous bkry cycle R a
pewchc finance charge was already biAed on Daohasa Reeved on your proorrage
statement a vw raceNed paymeul o1 your New Balance on your prenous stabment in fidl
by IV date am Ilme you paymed was due
is w grace period for balance, transfers. cash advances, check Irarlsections, or overdraft
advarrlm In addition, it them is a 'Uualifyirg Romotiomel framing` section on this
statement you will not acts periodic Hence charges on any Remalmrrg Balance that
appears in then section R you my Ilo1 balance in hit by the applicabe, Expiation Date. To
avoid fiance charges on new purchases when your New Belance includes ary Im mimng
Balitr )fin the(kollying Promotional Financing section pay your full New Balance mmus
the total of these Remaining Balance(s) by the date and time your payment is due. However.
if your statement share that a minimum payment is due. m must fecefve at bast that
mimnum psynem by the date and time specified on your statement evert a your New
Bounce consists Only of glorifying Promotreml financing balames.
For "deferred interest' Ouslilyirg Promotional Fimncng. periodic finance charges accrue
during The Iromoteml period bit am ml added to your account balance. Instead, they
accumulate from billing cycle to bARng cycle. If a deferred bderekt OwMyMa Promulioml
famrrpng balance is rat paid in full by ft applicable Expiration Date, the d erred finance
charges A ill be added to your Mas won M Me f or day allow the Expiration Date.
f You default t Yoa on Agreement the deterred hrlence
charges wig be added to your account as soon as the date of default
Fes 'fixed Parini OualB irg Promotional Rnsmihg that permits you to pay for a purohase
in a desgmled number o payments, you will not haw a grace period lot that balance as
each payment includes a portion of the, Interest Owed over the repayment term for that
plnrdap. However, you will have a grace period on other new purchases as described
above.
BILLMS RIGHTS SHMMARY
It rap of from or Owgions About Your BPI: If you think your big Is wrong, or 1 you reed
irate information about a transaction on your biP, write Candmember Service on a separate
sheet at pi Bar 15299 Wilmington OE 19850.5290 as soon ae Postal We must but
from you no later the n 60 days after we sent you the first bill on which the error or problem
appeared. You can telephone go. bud doing so will not preserve your rights. In your letter.
give UP the following mlorlmbon.
• Your name and account number
• The dolls? swum alone suspected error
• Oescnbe the error and explain. I you can. why you bearve there is an error. It you reed
more intonmtion, dsscrtba the item you are unsure about
You do rat have to pay any amount in question while vie am investigating. but you are slip
obligated to pov the parts of your big that are not in question While we irrvangate your
Weston, we cannot report you as delinquent or take action to .110 the amount you
question. If you haw authorized 12 to pay your credit card big automatically' from your
savings or checking account. you can slop the pay9rmd on any amount you think b wrong
To stop the payment. your leter or all fusing the Caromalma service address or telephone
comber shown on this statement) must reach ue at least three business days before the
automatic pvimd Is scheduled to occur.
Speclaf Rub for darts Card PlMeap: H you haw a problem with the quality of goods or
services that you purchased with a credit card (excluding purchases made with a check),
am you love tried in good hith to erred the problem with the merchant, you hny rat haw
to pay the trembeg amount due on the goods or shwas You hew tics prolection only
when the purchase price vice more then $60 and the pumhow was made in your home stale
a within 100 miles of your mai irg address These limitdkm do not apply d we own or
opeme Ine merchant. Or a we mailed you the advertsenom for the property or strokes.
To pet your total periodic first" charge for a biling cycle vvhen a gait, Periodic rate(s)
app rest 'we add all of the daily periodic hence deryea for all features. To determine an
average de,NN balahnce. we, add your dally babna x grad divide by the number of the days in
the aDWicabfe billy cycklsl. 11 You mulllDly the swr8pe daily balance for mob fplure by
tic applicable daily pamorlic mkt and then nwPip, each d these metal by the number of
days re the a`PZ1bb bl1m9 cyde(sl. and than add all at the rants together, the total will
also equal the parlodie fiance Barges for the billing cycle . except for minor variations due
to roundkg. To get your total periodic fit.., charge for a billing ccuyclee when a monmkkrr
perehdhc trials) apples, muRlply theavarage day balance for each feature by the, apWiabk
monthly periodic rate and add the newts together. The total will EOUfI the periodic firow
charges for the billing cycle, except for minor variation due to rounding.
Gface Poured (ail legal 20 esY/t-): We accnre prredic from charges on a a anaecfaon, fee
or finance charge from the nAto A is added to your dairy balance until Payment in full is
received on your accourx. However, we do el charge periodic hence charges on new
Purchases bl W dung a billing cycle It
we rearve both Payment of your New Bala ce on
your current statement by the date and film your payment is due and also payment of noun
New Balance on your pretars statement by the dale and time your Payment was due. There
MA0803p6
Statement for account number: 4266 8410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment
$9,236.17 10/20/06 $1,683.00 $2,820.17
Make your check payable to Chase Card Services.
Amount Enclosed $ New address or a may? le Print t on back
426684103620625600282017009236170000001
10413 BEX Z 26806 D
CRYSTAL PEFFER
425 CROGHAN DR
CARLISLE PA 17013-1713
IIIJIIIIIIIIIIIIIIlL1111111111,111,IdI1dI111LIdIl,IJ111
1:5000160281: 20 3 10 36 20 6 2 56 2ila
Statement Date: 08/26M - 09/25/06 CUSTOMER SERVICE
CHASE Payment Due Date: 10/20/06 In U.S. 14MO-945-2000
Minimum Payment Due: $2,820.17 EspeRol 1-888446-3308
TDD 1-800-955-8060
Pay by phone 14800-436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 8410 3620 6256 1-302-594-8200
Previous Balance $8,926.75 Total Credit Line 500 ACCOUNT INQUIRIES
$8
Purchases, Cash, Debits +$78.00 Available Credit ,
15298
$0
Finance Charges +$231.42
Cash Access Line , DE 19850
Wiglon DE -5298
Wilmington,
$1,700
New Balance $8,236,17 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.Gtase.com/creditcards
A late fee and over-limit fee are reflected on this billing statement. Your minimum payment
reflects 11% of your statement balance, plus any past-due and over-limit amounts, billed interest
and the billed late and over-limit fees.
You haven't made the required payments and your credit card account is 150 days past due.
You can still turn things around. Call us today at 1-888-792-7547 (collect 1-302594-8200) so
that we can find a solution for your situation.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
09119 LATE FE 39.00
08127 OVERLIMIT FEE 39,00
FINANCE CHARGES
Illllllllllllllll11l1tI11111111111111IIIIIIIIIIIIIIIIIIIIIIIII
CHASE O
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
Daily Periodic Rate Corresp.
Category 31 days in cycle APR
Purchases V.08217% 29.99%
Cash advances V.08217% 29.99%
Balance transfer V.08217% 29.99%
Finance Charge
Average Dairy Balance Due To
Periodic Rate
$4,857.03 $123.73
$0.00 $0.00
$4,227.65 $107.69
Transaction Accumulated FINANCE
Fee Fin Charge CHARGES
$0.00 $0.00 $123.73
$0.00 $0.00 $0.00
$0.00 $0.00 $107.69
Total finance charges
$231.42
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.
IMPORTANT NEWS
Did you know you can use your credit card to access cash
whenever and wherever you need 'It? AN you need is your
PIN (Personal Identification Number) and an ATM.
Just call 14800-297-4970
to create your PIN today.
This Statement is a Facsimile - Not an original
X 000X01 FlS33335 D 10 000 N Z 25 06MO125 Peg. 1 of 1 05686 MA MA 10413 26810000100001041301
Address Change RegLlest
Please provide information below only d the address information on front is incorrect.
Street Address:
City:
State: --
Zip. ----- ----
Horne Phone: --- --- ----
Work Phone: --- --- ----
E-mail Address: -
L
Where line About Your Ancient
Loll or Still Credi Plum report your lost or stolen card immetllatyy by caNalp IM
Customer Service number found on the from of your statement. Advises are aknys
anilablalumsellyou You can reach an Addserby Dressing 0 after you enter yew accoml
number
Crediting of Par mreMs: For Pa meets by regular U. S'. mail, and at least your minimum
payment due to our pod office boa designated f« payments sbpwn on tots statement Your
payments by mail mud comply with the instructions an this statement, and must be made
by check or money order payable in U.S. Dollars, and drawn on «payabe through a U S.
finamal inctilu iou or the U S branch of a foreign financial meldwim. Ub not send cash.
Wme your account comber on your check or money order Payments must be woompaMed
by the payment coupon in the envelope pbaadad with Per address wable through the
envelope wkitlorr; the envelope cannot contain more thon one PayineM or coirym. and mere
can be no stades, Paper dgs lope or corms wndencem IUmd1 won your payment, X your
payment is in accordance wNh our paymwu instructions antl is made avaNabA le is on any
day except [).a err 25 by 1 00 p m local time at our post office box deslgholed for
payttems on this statement, we wan erode the payment to your account as of
that X
day
your payment is in accordance wdh oue payment rostruclions. but is nestle aniabA to es
after 100 p m local lime al our pod ogire box daigneled for payments on this statement,
we alb credit a to your account As d the next day It yyoou do rid follow our Pa ymAm
irsiruclions or J your payment s not sent by regular U.S mail to our post oRbe box
desgiaoe0 for payments. editing mil your Payment may be ""t"
r w to 5 days.
Payments made eleclm Ily through our summated hkphona aerCodomer Servce
Advisers. or our web site will be subject to any processing times disclosed for Ihose
payments
Aeeoanl Intmwatlon Reported to Credit Bureau We nay report %ormater, About your
account to aatln bureaus. Leta Daynxlnts, enOL payments a abet defaults on your
a-:' may he reflected in your are f report. If you think we have reported his rate
Infom,di ", to A credit bureau, you may write to us at the Carderember Service address
listed on yaw blNirg statement
Noll. Abut Electronic Chad Coever ono When you provide a check as payment. you
author. us Other to use intormahon iron, your check to make a onetime electronic land
transfer from Vow account or to process the payment as a ehecktrahoa t what rare use
mormation Iron your check to make an eactronb fun transfer, funds may be Withdrawn
from your account as soon as the same day we recein your payment. and you will not
receive your cbeck back from your hnaroial fnydwim. GX tot customer servke number on
this statement N you have questions about electronic check calleetbn i tlo rot want your
payments ?dlecI'd alselner-11y
Contlfdoeal bous Any payment check or otber form o1 payment that you mind us for
less itan tot to balance due that is marked "paid in hull" a eonitaiis a srule, notation. or
that you othervnse tender in fell satidution of a dispwed amours. must be sent to Grd
9ervic"111 . I'll 16049, Wilminpon. OE 198503049. We reserve all our
rghs rogaMAg
these I. to g.. if it is determined mere is m vela depute or N art, s¢h check s
received at any otter address. we nay accept the clack am you will die eve any remaining
balaef. We may rat,- to accept wry such "'t by ma imng it to you, rat cash ag It
or destroying it All ether payments that 'veu make should be sent to the approprlafe
"ymm,l adlress
Annual Renewal ll.: If your account has an "=I it wNl be bihted each year or in
momhN ,mtal mmis. Whether or nit yrou use your . and you agree to pry It when
Wed. the amual fee s rorrrafudabq uMess yqu "us that you wish to close your
account within 30 days of tot date we mall your statement m which tie amuaj be is
charged and al tae same lame. you pay your outstanding balance in lull. Your payneM of the
annual tee does rid afted our ripitls to dose your WWM am to ante your Nit to make
transactions on your account . N your account A closed by you or us, tae will continue to
charge lie annual fee until V. pay your owstamh,g balance in full and terminate your
aaccerii roaIDYSh®.
Eaplmehon of Finaee Cbagein We cabubte periodic fmrse charges, usingg the
aDDlicabA perbtlk rates shown an this datemem, separateyfmracI faturo (e g., balarce
tralisterrpinvenianee cracks am cash advance checks ("check Van curb.-), puchases,
balance Imestars. cash adnnces. promotional balances ce dnrdraft advances). These
calculations nay combine different ategores "I" Xe same daily periodic miss. It there s
a V. next to a P'arbdd rate on this statement, that rate may vxy and the intact antl marppm
used to determine that rate am its correspomirg APR are described In your Cardmember
?4gre re . amended Tlero is a minimum finance charge in any billing cycle in which
you late any Periodic finance changes. and a transaction finance charge for each balance
transit"(. ash adnme, or check transaction. in the Amounts staled in your CardnemDer
4greemenl, as Amended
Te get the dally balance for each day the amen[ billing qn:. vx take IM bepnninq
balarse for each feature, add any idIMrarsacbm or otber debribs (including fees, unpaid
finance charges am other charges), subtract any payments or credits. and make other
adplstlYellta TronsmAlom am Added as of Me tanaatid, dye. lie beglmllg d the bitting
cycle in Which they are posted to u account, or A laver dyed our choke (except flay
check lransaclions are ad"" as d the date deposNed "=7 or a Ater dale w our
choicel Fees am added either on the date el a related treen dye they are posted
to your aaoum. or the last day d the cyoA. This gives ro that day's daily balarsefeatu. A
cmdd balance is bated as a balance .1"M a ditty periods Me appbea to any re,
we mueipy tot daily balance by the dairy panodo rate ro iMl your periodic lAance nharges
`a that tlay. We Men add itase periotlk finance charges to your dairy baAnca to get the
oegimirg balance for the next day. (If more Than ere drily periodicrate could apply based
con the enrage daily byarsnI we wAl use the dairy periods cote flat apptas to the 1. 1.0
dairy balance amc nt at the end of the billing cycle to call IOe the dairy periodic Iinanse
charge each day) If tots styemenf stews a prow.., cycle .wage daily bean. for
pumhaws. wit do the same thAq fa .;h clay of the preyous cyeb to get the di balms
M purchases for the previous blAinq cycle. Fbv»ver the !1' y Wise fee Dremes biting
cyGe purchases is ...Wait to be zero fa each 1, the prnvioua billing cycle if a
oamdic Ina e, charge was already billed m Purchases eam¢ed on your previous
statement or we re x,W payment of your New Balance on your proyieu s statement in full
by tot date and time you payment was due.
rU get your total periodla finance chaga for A InNmg cycle Who a dally pardda names) s)
applies. we add all of the daiy periodic finance charges for AN features. To ddermire an
average daily balance, we add war early balances antl diwrte by the nwnDer of the days b
'he apdcaMe belong cycb(s). If you military tie annpa daily man. nor itch leyure by
the Aprilbabk daily pereec rate and den multiDy each of these results by the number of
days in the applicable bating cydeisl. antl Then add all err the resuXOr gether the total will
also equal the 1.r*:m mama charges for he billing cycle, wept for minor wriys.s due
1o ralroing. To get you total periodic finance charge fora biiig cycle when a notably
peroil raleisi applies, mulipW the average dal y baance for itch iafure by Me applicable
iromhy parkdic rite and add the resuXS together The total will equal the panads finance
charges for the billing cycle except for mime variations due to rounding,
Grace Period I.. lead - days):
We accrue periods finance charges Praha ledctign, tea. or finance charge from the date it
s added tc your daily bola.. to payment In huh is r..,, l.e yow account However, we
do nit chage penodic finance chargps? on new purchases billed durn7 a oeNnq Cycle N wit
receive bdh payment d your Neer Bala«e on you Current staemem by the dye am time
your payment is due and also pay meet of your New Balance on your wire. s statement by
the date and the your payment was due, There is he grace period for balance retailers.
cash advances. check transactions «overdraft advances.
In adtlXbn. N there is a "OwWytng Promotional Financing" section on this statement, you
will net imur periodic finance charges on any Remaining Balance that appears in that
section if you pay that balance in full by the applicabb Expiration Ode. Nowown a you
elelauN union the terms d your GMmember Agreement « arly Oualiylrg Promotional
the
Feancbhp ogar, the eppNcabA periodc fihorse Barges veal accrue on any gamaining
Balance as soon as the pitting cycle m xdhbh the ddaue oxurs. To awtl finance charges on
new puirelpsa when'rnur New Beanie iMWa any Reminirg 8alarlce(s) in the Oualdying
ProneUany Farandnp sect"an. Day your lull New Balance nknw the bAy of those
gemelninq Belanceisl bytM tlafa and lkne yo«peymenlsdrle Hmrever, ?tyotu slatemeM
shows Ihy a minimum Paylnwet Is due, xro mud rearm at least that minantrcn payment by
dale ant time spelled on your styemenl. even N yrou New Balarse comsids ony d
Ouakiyirig Pronetbnl nhoncbq baanca.
For "deferred intarel" Qualifying Promotional Frnamig, pedc* fins charges axnre
du ring the pecomfohol period low Am not added b vour account balance Insured they
awumulate tram bating cycle to Ileum, cycle U a dyrimed uoeral QvaAlybq Promotional
Financing balance is not paid in full by the AppNPable Expiration pate. the deferred fiminae
elarges will be added to your arcane es son es the first day after the Expkafbn Dale
Further, d you ddautt rlnPar thelerms Ill your Catlmembw Wreamem the deterred finance
charges will be 36M to your account as soon as me date of detaUN
F«'flow payment' Oualityleg Prwmb1mlFhondnp '1:, 141h you to payi«apucchase
ut a designated number d Davnents, you will not have an period far that baAnse as wch
payment makafea a on M the show oww over tbe 7Paymwe term for that purchase.
However. you wet have a grace period on other now puroWsx as das«iaed atom
IILLiNO RIly1T3 Iu tmRY
I@ free of Etrore or OeMiom Abort Year Bill I: U you tMnk =' s wrong, or it ou need
more led«mation about a tnrsactron an you bilk..1 'b r Service ony
a separye
sheet at P.O. BM 15299 Minor ton, DE 19650-5299 as soon as ponibb. We must hear
Iron you ro titer than 60 days after em sent you the first bill on whkh the error or problem
appeared. You pn telephone us. but doing so will not preserve your rights
In your leper, 910, as the following information.
• You, home am accent number
• The dollar amount of the suspected error
• Describe tot error and explain, if you can, why you belnve there is an error. If you need
more informa port describe the rain you are unsure about
You do not hen to PAY Any amount in question while we are rirxagating, but you are dill
oIlligtted to pay the Parts of your bill that am net in question lith we imealgNe yew
quatmn. we cannot report you As delinquent or take action to called fM amount you
question. if yes hen a thon d us ro hay your credit and bill awonaeicalry
fr
To yo?the mount you Pan sbD the Daymen on any ytauX you Clank s om you
wrong.
p paymentyow telleracall(usinglhe Cunimelnb.Seryice contras or ielephona
number shown on this sbtemeM) mud reach us at bast three business days hdore the
awonaeic Payment is scheduled to occer
St"" Rule ter C" Card Pwtlmm: If You hen apro blem vdlh tie qually of goods or
services that you puchased with a creM card !excludinngq pumiases made with a cbeckI.
am you lava toed in good faeh to coned Me poblen, »Rh them ordant, you may rat have
to pay the remelting annum due on the goals a swwices. You have the Drotedbn only
when the purchase prig was more flan 550 am the pucrchase alas made in your bane dale
a wehm too mites d ymr maOng address. These IiIMatlP do rim apply a are own or
operate the merchant. or Ir we malted you the advertisement for tot property or services.
MA060706
Statement for account number: 4266 6410 3620 6256
New Balance Payment Due Date Past Due Amount Minimum Payment CHASE
$8,926.75 II?? 09119106 $1,293.00 $2,109.75
Amount Enclosed Make yourcheck payable Chase Card Services.
$ New address s or or e-mail? Print nt on bade.
426684103620625600210975008926750000008
31029 BEX Z 23706 III 111111111111111111 t l l 11111111111 111111111111 V I I I1111111111
CRYSTAL PEFFER
160 N ORANGE ST CARDMEMBER SERVICE
CARLISLE PA 170132228 PO BOX 15153
WILMINGTON DE 19886-5153
':S000160281: 20 3 10 36 206 2 56 2iia
Statement Date: 07126106 - 08/25/06 CUSTOMER SERVICE
CHASE O Payment Due Date 09/19/06 In U.S. 1.800-945-2000
Minimum Payment Due: $2.109.75 Espatlol 1-888446-3308
TDD 1-800-955-8060
Pay by phone 1-800436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 Sato 3620 6256 1-302-5948200
Previous Balance $8,625.11 Total Credit Line 50() ACCOUNT INQUIRIES
$8
Purchases, Cash, Debits +$78.00 Available Credit -
15298
Finance Charges +$223,64
Casty Access Line , DE 19850-5298
Wilmingtonn, DE
Wilmington,
$1,700
New Balance $8,926.75 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www chase corNcreditcards
A late fee and over-limit fee are reflected on this billing statement. Your minimum payment
reflects 1% of your statement balance, plus any past-due and over-limit amounts, billed interest
and the billed We and over-limit fees.
Its not too !ate to resolve your past-due credit card account! You may qualiry for one of our
money-saving payment plans. Call 14888-792-7547 (collect 1-302-594-8200) today.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
07/26 OVERLIMI FEE 39.00
08/20 LATE FEE - 39.00
FINANCE CHARGES
Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE
Category 31 days in cycle APR To Periodic Rate Fee CHARGES
Purchases V .08217% 29.99% $4,657.96 $118.65 $0.00 $118.65
Cash advances V .08217% 29.99% $0.00 $0.00 $0.00 $0.00
Balance transfer V .08217% 29.99% $4,121.36 $104.99 $0.00 $104.99
Total finance charges $223.64
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.
IMPORTANT NEWS
PLEASE NOTE THAT YOUR PAYMENT DUE DATE MAY HAVE CHANGED AND
MAY VARY EACH MONTH. ALWAYS VERIFY YOUR PAYMENT DUE DATE.
TO REQUEST A DUE DATE CHANGE, CALL CUSTOMER SERVICE. YOU
CAN ALWAYS PAY BY ACCESSING OUR WEBSITE DISPLAYED ON THIS
STATEMENT OR BY CALLING 800436-7958.
Did you know you can use your credit card to access cash
whenever and wherever you need it? All you need is your
PIN (Personal Identification Number) and an ATM.
Just call 14MO-297-4970
to create your PIN today.
This Statement is a Facsimile - Not an original
X 0000001 FIS33335 139 000 N Z 25 06708/25 Page 1 of 1 05686 MAMA 31029 2,3710000090003102901
Address Change Request
Please provide information below only H the address information on front is incorrect.
Street Address:
City:
State:
Zip:
Home Phone:
Work Phone:
E-mail Address:
L
IMomlalum Abut Your Acoaol
Lost or SMON Cartle: Please report your lost or stolen Card immedutery calmp ih
Cusomer Service number lewd on the from of your aatement. Advlsrsbiyare allays
available tonosedyou Youcanreachan Adv rbypressing0ahryouenteryonarrount
number
Crediting of Pap®ems: For payments by regular U.S. mad, send at least your minimum
payment due to ou pod office boa desglWed tot payments shown on this sMmem Your
payments by mall must winery with the instructions on this statement, ant must be mark
by check or money order Payable in U.S Dokars, and drawn on r payable through a U S.
financial nnablu b.., r the U S breach of a foreign It all irrblaution. Do rant send cash.
Write your account arm serge your check or money order. PayaMM9 must be accompanied
by the payment Coupon in the envelops provitlad with our address visible through the
ernabpe wintlovr the envelope cannot contain more than one paymentor coupon. mho there
can be nil staples, paper clops, cape or orresponence nduded weh your payment. d your
payment Jain accordance with our payment mstrUCCOAs and is made avafrble to us on arty
day except December 25 by 100 p m local term 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 win our payment anstrudiom. his is made available to nil
after 1.00 p m local time at our post mice box designated for payments on this abatement
wit fwd Predri s to your account As of the next day. If Wyou do not follow ur payment
retnlctions or a your Payment is not sent by ragiar U.S. mail to Pr poost office box
designated foe payment s. medling of your payment may be deh'yed for W to 5 days
.
Payments mark elactronlplly through our automated telephone sevics. Customer Service
advisors or our web site win be subject to any processing limes disclosed for those
paymerts
Accident Intormaflw Reported to CmtlN BUleerae: We may report inform".. about Yom
ac gnat to credit burnaw Late Payments, missed payments or other draubs on your
account may be reelected in your made report. If yoU think we have reported Inaccurate
m .in., to a credit bureau yen may write to us at the ONmrnber Service address
IideO on your filing Warm wi
Nolics About Orchards Chedr Coovefekn: When you provide a chock as payment. you
autror¢m ns either to use irdormadion from your check tomitt a waeaime electronic fund
ttansfer from your location or to Process the paynleM asacheG transactron. When we use
iidormrlon Iinin your chaclt to make an electronic It transit, funds may be wit hdrawn
hors your account as soon as file same day we receive Your payment . and you will not
musys your chink back from your financial insMt#xa,. Cal the customer service number
an this statement il you haw questions about electronic check collection or do not gram
your payments Confided alectromcaly
Conditional Pry eastc Any payment check or aloe form of payment that you send us for
less tfan the hill balance due that is marked "paid in full" r contaks a similar rotalcn, or
that you Otherwise termer in fill satshcWn of a disputed amours. mud be sent to Card
Services. PO Box 15019, Wilmington. OE 19850-5059. We reservead our i fights rogaMing
these payments {e g.. N n is delermnsd there zero vale dlspnle or R arty w dock s
received at env othrandiess. we nay xcept the check an you will still owe any remaining
balarlpal. We may refuse to aompl any such payment by returning it to you, rot Cashing it
or destroying ill. All other Payments that you make should be said to the appropriate
peynnad address
Annual Rewmi NORM: N your agcelYrt has an annual In. N will be billed each year or in
moray i.srtmaMS, whall., or not you use your account. an you agree to pay it when
billed. The annual In is non-refuMablet unWSs you notly us that you wish to close your
accourd within 30 days of the date vie mail your statement on which the annual fee is
charged and at the same lime. You Day yrour outstanding balance in full. Your payment of
totannual fee does not lifted our rights to elm youraccound an to knit your right to make
tlansadions on yon acouM. If your account Is closed by you or us, :via who Continue to
charge the annual fee until you pay your Outstanding balance in lull and Itminate your
account reMenni
Explanation or FinM Charges: We calculate periodic fimrce charges, using its
applicable periods rates shorn on this dateaerit, aeprzrely for each feature (e g., balance
tnnsleemnvenlence Checks and cash sell checks ("check transaction'). purchases.
balance transfers. case advances.. Promotional balances r owrdaft advances). These
calculations may mmbidle ditWreM categories amh the same daily peraodk rotes If thre s
a Y" next to a Periodic rate on this statement, that rate trey vary , slid the relax and margin
need to dalermine that rate an its cmresporrdrg APR are described in your Cardmmber
Agreement, as amended There is a minimum tinanrs charge in any billing cycle in which
you a" any periodic hnanee charges, an a transaction finance charge for each balance
transfer. Cash adwaroe, or check transaction. in the amounts stated in your Cardmembem
Agreement. as amended
To get the dairy balance for each day of the current billing cynic, we Take the thsanninngg
barge for each feature, add any now, transactions or other debits GnchdMg fees, urrDad
finance charges and ollk r chargesi, subtract any payments or credit. an nuent other
adpidirelats. Transactions ue added as of the transaction date, the begnini g of the biting
cycle in which they are Doted to yon account, or a later date of our choke (except that
check lransad'Ons are added as of the dale deposited by the payam or a qtr dab of our
choice) Fen am added either on the dam M a related transaction, the dale they are posted
to your account . or the rot day of the bifling cycle. This gives athat day's daily balance. A
credit bounce is Ideated as a balarrs of zero N a daffy pernnk rate applies to any fealure.
via mudipN the daffy balance by the daily periodic rare to use your perkdie tqurae Barges
for that day. We then ant these percdk finance charges to your dads balance to get the
beginning baMde for the neat day (It mne than ore daffy periodic rate Coup apply based
on the average deny bare, we will use the daily periodic rate that applies tot the average
daily balance amount at the end of the billing cycle to calculate the daily perctAc finance
clargg" each day i If this sMement slows a previous Cycle average dairy balance for
purehaen vs do the something, it each day of the pmiom cycin to get the daily barns
of Purchases for the previous biing cycle . However the daiy barnce for previous biting
'cycle 1-heres is considered to be zero for each day o1 the previous lulling cycle ii a
pelzi finance d" was almody bilked on plmmasea itemized on your previous
statement or we reserved payment d ygu New Below on your prertous statement in full
by the date an time yon payment was due,
ro get your total periods financed ania for a tilling cycle when a deny periodic, rakish
"'I.. we add ad M Ih daffy prink finance charges 1w at lectures To ddemine an
iwei daily balance, we sdtl vour daily balances and divide by the number of the days in
the Mpkubie bilan cyckls) h you muthpy the average dilly balamp for each feature by
'h applicable deny Pal rater and Ilan multiyy each of these results by the number of
also sort
days in the applicable billing cycle(s). An then add all of the results logelner. the total will
left he periodic Intends charges for the bidding cycle, oxPept for rtunor wnatens tlue
-o rounding. To lad your tom Doodle finsnce charge fm a bdlitq cycle when a monthly
m,eadic ratefsi apvhs. mnaipay the average duly beta., Ina each lean.. by the applicable
?ronthy periodic rate and add the resullstingrlier. The total will equal thm Periodic fina.e
charges for the billing cycle , except for minor variations; due to rounding.
Grace Period (al mass 20 days):
We a true pereidic frmnds d Nrges on a transaction doe. or finance charge from the doe it
is added to you, daily balance nntN payment in Idl is most l on your account However, we
do no charge p t is finance ohrgg?ass an new pumhsee billed Curer a biltrg uyck ilwe
receive both payment of your New Bare on your current statement by the dale and time
your paynnent is due and also paymere of your New Balance on your previous statement by
the dale and time your payment was due. There is NO grata pond for Inform transfers.
cash advances. check transactions. a overdrall advances.
In addition, 11 them is a "QuwliplaB Promotional Financing' Mellon on Ibis alatemeel,
you will nor into periodic finance charges on any Remaining Balance that appears in that
section 9 you pay that balance in fill by the applicable Expiration Date. To avoid finance
charggees5 on now purchases when your New Bagece includes any Remaining Balances} in
the Quaifying Promotional Financing motion. pay your LOU 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 mist receive at least that minimum
Payment by the date and dare specified on yi statement, even if your New Baance
consists only of Qusliying promotional Financing balances.
Also, for some Qual fying Promotional Firut balancel periodic finance charges socrue
doing the promotional period bud are not added to your account balance instead. they
accumulate from billuup cycle to biling cycle This s Mrred to as 'deterred mflrest' It a
deterred interest Qualifying Promotional fimncirg barman 6 del paid In INS by the
applicator Expiation Dote. the deferred li arde charges wit be added to yox, account as
soon rifle first day offer the Expiration Date Further, s you detauft wader IM leans of your
CaNmembr Ageemenl. the deferred finance charges wit be added to your wooden as soon
as ill data d defauh.
BILLING RIGHTS $=WARY
IN We of Errors or Qndim About your all: if you think your bid is wrong. or il you ivied
more information about a transaction on your bid, write Cardulemhr service on a sepande
stoat at P.O. Box 16299 N4lminpton. DE 19850-5299 es soon as Possu6le. We must hear
from you m rler than 60 days after we sea you the fast bill on which it* error or problem
appeared. You can telephone us. but doing ale will not preserve your rights.
In your ceder, give us the fullowng udrmnlron.
• Your come and account number
• The drlar mount of the suspected arror
• Describe the error and explain, if wu can, why you behave there a an error II you awed
more irlomation, describe the lam you are unsure about.
You do not have to ply any amount In question while we are Investigating, but you are still
obligated to pay the pads of your bill that are not in question. While wer investigate your
question, we pond report you as delinquent r take action to Partial the amours you
question. H you have authorized us to Day your credit ard bid automatically from your
savings w Checking account, you can stop the pa nt on any around you lhmk s wrong
To stop the pays ort. your Weer or Cali (wing the Crdmember5rukx address or irdphore
number shown can this statement) must reach us at heal three hotness days before the
tlonMk paynronf to scheduled to occur.
Special Rub for Credit Gad P rchuni If you have a problem with the quality of goods of
services that you purchased with a credit Card including pumiasers made with a chill
an you have toad in good huh to omectthe problem xilh the morcham, yyqu ray not have
to pay the remaining mount due on the pons or services. You have 11ds ploledion only
when the purchase price was more than 350 an the purchase was made in your home state
or within 100 miles Of your mailing address Those Bmlriiom do not apply it we awn or
operate the merChaM. or have mailed you the adwrtsenaM forma property or es,vicas.
MA051206
CHASE O
B1l.L OF SALE
Closing Dater May 19, 2010
Clete Bank WA-NA- (UIW"), for vahu received and pursuant to thetams and c:oatditionsof Credit Cmd
Aocotmt Pladuse Agreemait dated between Claw Bat LISA. N.& mdMidimdFuodi%,
LLC CTW-'UW9, its suixmm and atsku ("Credit Card Aomni Purchase AyteearirAN" ), hereby aais*
of alive as of to F& Crdttiat Date of May 13.2010 tap riOls, tide and interest of Seller in and to tMse
__ _ --t?9lltltaoelv,>'„ avtdiii5f'dtdrrr?dt?llCfhQAh?lDuaPipe„aNhted(A?anutl'a?--
Primary P1teNfame) nuacbed hum and made put barvof thrall purposes,
Number of Accounts
Total LhVaid Bdanoes
Pmnlum
Due Seller
Amounts due to sailer by PmWmw in bataunder shall be paid UZ Dolan by a wira trsnafer to be rtroelved
by Seller on Olie'rWeing Date`) May 19.2010 by 2:00 p.m. Seller's thus, as follows:
Cbasa Baal! USA, N.A.
ABA
Beadkbry N item Chime Uaak USA. N.A.
Beaetfdat7Acooaotr
This Bill of Sate is executed without recourse except as stated in the Credit Card AccOWA Purcdtaae
Agreement to which this is an Exbibit. No ether mpresentation of or warttnty of title or enforeeab0ity is
expressed or implied.
nth respect to account mformmtion for the Accounts listed in the Final Data Rik Sailer reprints and
wamMa to Atrt:iuaer that (1) the Account information is comptae amd amna; (ti) the Account
information Oonslitui s Seller's own business records and accurately relkas in all material respects the
information In $ dWt database, (iii) the Account infararation was kept in the rap ar courts of buuiaimm.
(iv) the Acooupt is Wastiattt was trade at or near"time by, or from inferno ti m transmitted by, a per won
with ktwwWp of the data entered into and maintained in dtc SdWs database; and (v) it is die regular
practice Of Seller'! business to maintain and compile such data.
Chaise Bank ..SA, N.A. Midland F ing LLC
BY. By
I also" mink
!)?t v Merv 14, 2010 Date: i
Title: Tamp Leader Title
}
d
zt
CMA18103
Cardmember Agreement
ACCEPTANCE OF THIS AGREEMENT
This agreement governs your credit card accountwith us referenced on the card carrier
containing the card for this account. Any use of your account is covered by this agreement
Please read the entire agreement and keep it for your records. You authorize us to pay
for and charge your account for all transactions made on your account You promise to
pay us for all transactions made on your account, as well as anyfees orfinance charges.
If this is a joint account, each of you, together and individually, Is responsible for paying
all amounts owed, even if the account is used by only one of you. We may require that
you pay the full amount owed without first asking the other person(s) to pay.
Please sign the back of your card when you receive it You will be bound by this agreement
if you or anyone authorized by you use your account for any purpose, even it you don't
sign your card. Whether you use your account or not, you will be bound bythis agreement
unless you cancel your account within 30 days after receiving your card and you have
not used your account for any purpose.
Throughout this agreement, the words W,'ui and lour' mean Chase Bank USA, N.A.,
the issuer of your credit card and account The words 'Iyad%'pur and'youW mean all
persons responsible for complying with this agreement, including the person who applied
for the account and the person to whom we address biking statements, as well as any
person who agrees to be liable on the account The word card' means one or more cards
or other access devices, such as account numbers, that we have issued to permit you
to obtain credit under this agreement.
USING YOUR ACCOUNT
Your account is a consumer account and shall be used only for personal, family or
household purposes. Unless we agree or it is required by law, we will not be responsible
for merchandise or services purchased or loosed 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 some places. It is not our responsibility to make sure that you
use your account only for permissible transactions, and you will remain responsible for
paying fora transaction even if it is not permissible or contemplated underthis agreement
Types of Transactions:
• Purchases: You may use your card to pay for goods or services.
• Checks; We may provide you cash advance checks or balance transfer checks as a
way to use your account We also refertothem in this agreement as a check or checks,
You may use a checkto pay for goods or services, to transfer balances to your account,
or for other uses we allow. But you may not use these checks to transfer balances to
this account from other accounts with us or any of our related companies. Only the
person whose name is printed on the check may sign the check. Cash advance checks
are treated as cash advances and balance transfer checks are treated as balance
transfers except as noted in this agreement or any offerwe make to you. We may treat
checks thatwe call convenience checks as balance transfer checks. However, checks
that we call convenience checks and thetwe indicated to you are subjectto the terms
for cash advances, may be treated as cash advances and assessed cash advance rates
and fees.
• Balance Transfers: You may transfer balances from other accounts or loans with other
credit card Issuers or other lenders to this account, orother balance transfers we allow.
But you may nottronsfer balances to this account from other accounts with us or any
of our related companies. If a portion of a requested balance transfer will exceed your
available credit line, we may process a partial balance transfer up to your available
credit line.
• Cash Advances: You may use your card to get cash from automatic teller machines, or
from financial institutions accepting the card; or to obtain travelers checks, foreign
currency, money orders, wire transfers or similar cash-like charges; or to obtain lottery
tickets, casino gaming chips, race track wagers or for similar betting transactions. You
may also use a third party service to make a payment on your behalf and bill the payment
to this account
• Overdraft Advances: If you have an eligible checking account with one of our related
banks, you may link this account to your checking account with our related bank to
cover an overdraft on that checking account under the terms of this agreement and
your checking account agreement
Billing Cycle: In orderto manage your account,we divide time into periods called *billing
cycles'. Each billing cycle is approximately one month in length. Foresch colendarmonth,
your account will have a billing cycle that ends in that month. Your account will have a
billing cycle ending in each calendar month whether or not there is a billing statement
for that biking cycle.
Authorized Users: If you allow someone to use your account, that person will be an
authorized user. You may request an additional card for use by an authorized user on
your account If you do so,this account may appear on the credit 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 for the use of your account and each card issued on your account according
to the terms of this agreement This includes your responsibility for paying all charges
on your account made by an authorized user.
You must notify us to terminate an authorized user's permission to use your account. If
you notify us, we may close the account and/or issue a new card or cards with a different
account number. You should also recover and destroy any cards, checks or any other
means of access to your account from that authorized user.
Credit Una: Your credit line appears on your billing statements. We may also refer to the
credit line as a credit limit Your billing statement may also show that only a portion of
your credit line may be used for cash advances. Cash advances, including cash advance
checks, are charged against the cash advance portion of your credit line, and all other
transactions are charged against your credit line. You are responsible for keeping track
of your account balance, including any fees and finance charges, and making sure it
remains below your credit line. If your account balance is over your credit line for any
reason, we may charge you an overlimitfee as described In this agreement We may, but
are not required to, authorize charges that go over your credit line. You must pay any
amount over your credit line, and you must pay us immediately if we ask you to. This
agreement applies to any balance on your account, including any balance over your
credit line.
Atour discretion, we may increase, reduce, or cancel your creditline, orthe cash advance
portion of your credit line, at any time. However, if you have asked us not to do so, we
will notincresse your creditline. A change to your creditllne will not affactyour obligation
to pay us.
International Transactions: 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 conversion procedures. The exchange rate each
entity uses to convert currency is a rate that It selects either from the range of rates
available in the wholesale currency markets for the applicable processing date (which
rate may vary from the rate the respective entity itself receives), or the
government-mandated rate in effect on the applicable processing date. The rata in effect
on the applicable processing date may differfrom the rate on the date you used your card
or account We reserve the right to charge you an additional 3% of the U.S. dollar amount
of any international transaction, whether that transaction was originally made in U.S.
dollars or was made in another currency and converted to U.S. dollars by Visa or
MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided
to us by that entity. The same process and charges may apply if any international
transaction is reversed.
Refusal to Authorize Transactions: We may, but are not required to, decline a transaction
on your accountfor any of the following reasons:
• because of operational considerations,
• because your account is in default'
• if we suspect fraudulent or unlawful activity or,
• in our discretion, for any other reason.
We are not responsible for any losses if a transaction on your account is declined for
any reason, either by us or a third party, even if you have sufficient credit available.
For online transactions, we may require that you register your account with an
authorization system that we select We will notify you if we want you to register. If you
do not register, we may decline your online transactions.
Refusal to Pay Checks: Each check you write Is your request for funds. When we receive
a check for payment, we may review your account to decide whether to authorize that
check. We may, but are not required to, reject and return unpaid a check for any reason,
including the following examples:
• We or one of our related companies Is the payee on the check.
• Your credit line or cash advanos, pardon of your credit line has been exceeded, or would
be exceeded R 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 are not responsible.
• You have used the check after the date specified on it
• You are in default or would be if we paid the check.
Lost or stolen Cards, Chocks or Account Numbom: If any card, check, account number
or other means to access your account is lost or stolen, or you think someone used or
may use them without your permission, you must notify us at once by calling the
Cardmember Service telephone number shown on your card or billing statement Do not
use your account after you notify us, even if your card, check, account number or other
means to access your account is found or returned. We may terminate or suspend your
credit privileges when you notify us of any loss, theft or unauthorized use related to your
account
You may be liable if there is unauthorized use of your account from which you receive
no benefit, but you will not be liable for more than 650.00 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 mustidentify, for us the unauthorized charges fromwhich
you received no benefit.
We may require you to provide us information in writing to help us find outwhat happened.
We may also require you to comply with certain procedures in connection with our
investigation.
PAYMENTS
Payment Instructions; Your billing statement and accompanying envelope include
instructions you must follow for making payments and sets forth the date and time by
which we must receive the payment.
You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S.
financial institution or the U.S, branch of a foreign financial institution using a payment
check, money order or automatic debitthat will be processed or honored byyour financial
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 m arked'paid in full' orwith a similar notation orthatyou otherwise tender
in full satisfaction of a disputed amount (conditional payments), must be sentto us atthe
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 it
any such psymentis received stony other address, we may acceptthe payment and you
will still owe any remaining balance. We may refuse to accept any such payment by
returning it to you, not cashing it or by destroying it All other payments that you make
should be sent to the regular payment address shown on your monthly statements.
Page I 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 checks is your authorization for us to collect
the amount of the check electronically, or, if needed, by a draft drawn against the
bank account. Payment checks will be collected electronically by sending the check
amount along with the check, routing and account numbers to your bank. Your bank
account may be debited as early as the same day we receive your payment The
original payment check will be destroyed and an image will be maintained in our
records.
Minimum Payment You agree to pay at least the minimum payment due, as shown
on your billing statement, so that we receive it by the date and time payment is due.
You may pay more than the minimum payment due and may pay the fug amount you
owe us at any time. If you have a balance that is subject to finance charges, the
sooneryou pay us,the teas 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 baling statement). If the New Balance is $10.00 or less, your
minimum payment due will be the New Balance. Otherwise, it will be the largest of
the following: $10.0,2% of the New Balance; or the sum of 1% of the New Balance,
total billed periodic rate finance charges, and any billed late and overiimit fees. As
part of the minimum payment due, we also add any amount past due and any amount
over your credit line.
Payment Allocation: You agree that we are authorized to allocate your payments
and credits in a way that is most favorable to or convenient for us, For example, you
authorize us to apply your payments and credits to balances with lower APRs (such
as promotional APRs) before balances with higher APRs.
Credit Balances: You may request a refund of a credit balance at any time. We may
reduce the amount of any credit balance by the amount of new charges or fees billed
to your account
Automatic Charges: You may authorize a third party to automatically charge your
a ccountfor repeat transactions (for example, monthly utility charges, memberships
and insurance premiums). If automatic charges are stopped for any reason (including
because your account is closed or suspended for any reason) or your account
number changes, you are responsible for notifying the biller and paying these charges
directly. If your account number changes, we may, but are not required to, pay from
your new account number charges that you authorizedto be billed to your old account
number.
Promotions: From time to time we may offer special terms for your account II we
do, we will notify you about the terms of the offer and how long they will be in effect
Any promotion is subject to the terms of this agreement, as modified by the
promotional offer.
FINANCE CHARGES
Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates
('APRsh and the corresponding daily periodic rates are listed on the Rates and Fees
Table that is at the end of this document or provided separately. To get the daily
periodic rate we divide the APR by 365, and in effect always round up at the fifth
place to the right of the decimal point
Variable Rotes: One or more APRs that opplyto your account may vary with changes
to the Prime Rate. When you have an APR that varies with changes to the Prime
Rate, we calculate the APR by adding a margin to the Prime Rate published in The
Wall StreetJournaltwo business days before the Closing Date shown on your billing
statement The *Prime Rata' is the highest (U.S.) Prime Rate published in the Money
Rates section of The Well StreetJourrraL If The WaftStreatJournal stops publishing
the Prime Rate, we will select a similar reference rate and inform you on your billing
statement or through a separate notice.
A 'margin' is the percentage we add to the Prime Rate to calculate the APR. A
'business day' is any day that is not a weekend or federal holiday. The Rates and
Fees Table shows which rotes, if any, are variable rates. It also lists the margin for
each variable rate and any minimum daily periodic rate and corresponding APR.
Two business days before the Closing Date shown on your billing statement, we see
what the Prime Rate is. We then add the applicable margin to that Prime Rate to get
the APR. The daily periodic rate is calculated as described above.
If our calculation results in a change to a daily periodic rate fromthe previous billing
cycle because the Prime Rate has changed, the new rate will apply as of the first
day of your billing cycle that ends in the calendar month in which we made the
calculation. lithe daily periodic rate increases, you will have to pays higher periodic
finance charge and may have to pay a higher minimum payment
Default Rates: Your APRs also may vary if you are In default under this agreement
or any other agreement you have with us or any of our related companies for any of
the following reasons:
• We do not receive, for any payment that is owed on this account or any other
account or loan with us, at least the minimum payment due by the date and time
due.
• You exceed your credit line on this account
• You make a paymentto us that is not honored by your bank.
If any of these events occurs, we may increase the APRs {including any promotional
APR) on all balances (excluding overdraft advances) up to a maximum ofthe default
rate stated in the Rates and Fees Table. We may consider the following factors to
determine your default rate: the length of time your account has been open, the
existence, seriousness and timing of the defoults on your account; other indications
of your account usage and performance; information about yourother relationships
with us or any of our related companies; and information we obtain from consumer
credit reports obtained from credit bureaus. The default rate will take effect as of
the first day of the billing cycle in which the default occurs.
If we decide not to increase your APR even though there is a default or if we do not
increase your APR up to the maximum default rate stated in the Rates and Fees
Table, we reserve our right to increase your APR in the event of any future default
We may in our discretion determine to charge reduced default rates or reinstate
standard rates for all or selected balances on your account
Finance Charge Calculation - Average Daily Balance Method (including New
Transoctionsk We calculate periodic finance charges separately for each balance
associated with a different category of transactions {for example, purchases, balance
transfers, balance transfer checks, cash advances, cash advance checks, overdraft
advances, and each promotion). These calculations may combine different categories
with the same daily periodic rates. This is how it works:
We calculate periodic finance charges for purchases, balance transfers, balance
transfer checks, cash advances, cash advance checks, and overdraft advances by
multiplying the daily balance for each of those categories by the daily periodic rate
for each of those categories, each day. You may have overdraft advances only it
you have linked this account to a checking account with one of our related banks.
We calculate the periodic finance charges for purchases, balance transfers, balance
transfer checks, cash advances, and cash advance checks subjectto a promotional
rate the same way, but we use the promotional rate.
To get the daily balance for each day for each category:
• We take the beginning balance for that day.
• We add to that balance any new transactions, fees, other charges, and debit
adjustments that apply to that category. We add a new purchase, cash advance,
balance transfer or overdraft advance, if applicable, to the daily balance as of the
transaction date, or a 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 any payments, credits, or credit adjustments that
apply to that category and that are credited as of that day.
• We treats credit balance as a balance of zero.
To get the beginning balance for each category for the next day, we add the daily
periodic finance charge to the daily balance. It more than one daily periodic rate
could apply to a category because the rate forthe category may vary based on the
amount of its average daily balance, we will use the daily periodic rate that applies
for the average daily balance amount at the and of the billing cycle to calculate the
daily periodic finance charge each day. This agreement provides for daily
compounding of finance charges.
To get the total periodic finance charge for the billing cycle, we add all of the daily
periodic finance charges for each category for each day during that billing cycle.
However, if any periodic finance charge is due, we will charge you at least the
minimum periodic finance charge stated in the Rates and Fees Table. If it is necessary
to add an additional amount to reach the minimum finance charge, we add that
amount to the balance for purchases made during the billing cycle.
The total finance charge on your account for a billing cycle will be the sum of the
periodic finance charges plus any transaction fee finance charges.
for each categorywe calculate an average daily balance (including nowtransactions)
for the billing cycle by adding all your daily balances and dividing that amount by
the number of days in the billing cycle. If you multiply the average daily balance for
a category bythe applicable daily periodic rate, and multiply-the resultbythe number
of days in the billing cycle, the total will equal the periodic finance charges forthat
balance attributable to thotbilling cycle, except for minorvariations due to rounding.
Grace Period and Accrual of Finance Charges: We accrue periodic finance charges
on a transaction, fee, or finance charge from the date it is added to your daily balance
until psymentin 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 payment
of your New Balance by the date and time your minimum payment is due and we
received payment of your New Balance on your previous billing statement by the
date and time your payment was due. This exception or *grace period' applies only
to purchases and does not applyto balance transfers, balance transfer checks, cash
advances, cash advance checks or overdraft advances, if applicable.
Transaction Fees for Cash Advencoc 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 psymentto this account, we may charge a transaction fee
for the payment.
These transaction fees are finance charges. We add the fee to the balance for the
related category as of the transaction date of the cash advance. For example, a
transaction fee for a cash advance would be added to your cash advance balance.
Transaction Fees for Balance Treaders: We may charge you a balance transfer fee
in the amount stated in the Rates and Fees Table for balance transfer checks and
balance transfers.
These transaction fees are finance charges. We add the fee to the balance for the
related category as of the transaction date of the balance transfer. For example, a
transaction fee for a balance transfer would be added to your balance transfer
balance.
OTHER FEES AND CHARGES
We may charge the following fees. The amounts of these fees are listed in the Rates
and Fees Table. These fees will be added to the balance for purchases made during
the billing cycle.
Anneal Membership Fee; If your account has an annual membership fee, it will be
billed each year or in monthly installments (as stated in the Rates and Fees Table),
whether or notyou use your account, and you agree to pay it when billed. The annual
Page 2 of 6 CMA18103
membership fee is non-refundable unless you notify us thatyouwish to close your account
within 30 days of the date we mail your billing statement on which the annual membership
fee is charged and at the same time, you payyour outstanding balance in full. Your payment
of the annual membership fee does not affect our right to close your account or limit your
right to make transactions on your account If your account is closed by you or us, we
will continue to charge the annual membership fee until you payyour outstanding balance
in full and terminate your account relationship.
Late Fee: If we do not receive at least the required minimum payment liy the date and
time it is due as shown on your billing statement for any billing cycle, we may charge the
late fee shown in the Rates and Fees Table. If the late fee is based on a balance, we
calculate the late too using the Previous Balance on the current month's statement that
shows the late fee. This balance is the same as the Now Balance shown on the prior
month's statementfor which we did not receive at leastthe required minimum payment
by the date and time it was due.
Overlimit Fee: If your account balance is over your credit line at any time during a billing
cycle, even if only for a day, we may charge an overlknit fee. We may charge this tee
even if your balance is aver the credit line because of a finance charge or fee we imposed
or a transaction we authorized. We will not charge more than one overlimit fee for any
billing cycle. Butwe may charge an overlmit fee in subsequent billing cycles, even if no
new transactions are made on your account, H your account balance still is over your
credit line at anytime during the subsequent billing cycles.
Return Payment Fee: If (a) your payment check or similar instrument is not honored, (b)
an automatic debit or other electronic payment is returned unpaid, or (c) we must return
a payment check because it Is not signed or cannot be processed, we may charge a
return payment fee.
Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer
check at your request, or (b) we refuse to pay a cash advance check or balance transfer
check, we may charge a return check fee.
Administrative Foos: If you request a copy of a billing statement, sales draft or other
record of your account or if you request two or more cards at any special services (for
example, obtaining cards on an expedited basis), we may charge you for these services.
However, we will not charge you for copies of billing statements, sales drafts or similar
documents thatyou request for a billing dispute you may assert against us under applicable
law. We may charge, for any services listed above and other services we provide, the
fees from time to time in effect when we offer the service.
DEFAULT/COLLECTION
We may consider you to be in default if any of these occurs:
• We do not receive atleastthe minimum amount due bythe date and time due as shown
on your billing statement
• You exceed your credit line.
• You fail to comply with the terms of this agreement or any agreement with one of our
related companies.
• We obtain information that causes us to believe that you may be unwilling or unable to
pay your debts to us or to others on time.
• You file for bankruptcy.
• You become incapacitated or in the event of your death.
If we consider your account to be in default, we may close your account without notice
and require you to pay your unpaid balance immediately. We also may require you to pay
interest at the rate of two percent (2%) a month on the unpaid balance when we deem
your account to be six or more billing cycles past due.
To the extent permitted by law, if you are in default because you have failed to pay us,
you will pay our collection costs, attorneys' fees, court costs, and all other expenses of
enforcing our rights under this agreement
CLOSING YOUR ACCOUNT
You may close your account at any time. If you call us to close your account, we may
require that you confirm your request in writing.
We may close your account at any time or suspend your credit privileges at any time for
any reason without prior notice except as required by applicable law. If we close your
account, we will not be liable to you for any consequences resulting from closing your
account or suspending your credit privileges.
If you or we close your account, you and any authorized users must immediately stop
using your account and destroy all cards, checks or other means to access your account
or return them to us upon request You will continue to be responsible for charges to your
account, even if they are made or processed after your account is closed and you will
be required to pay the outstanding balance on your account according to the terms of
this agreement In addition, to the extent allowed by law, we may require you to pay the
outstanding balance immediately or at any time after your account is closed.
ARBITRATION AGREEMENT
PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY
BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO
TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER
REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE
ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN
ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL
NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION
BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER
REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU
AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS
N A COURT, BEFORE A JUDGE OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED
IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER
REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT
TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE
MORE LIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW,THOSE RIGHTS ARE WAIVED.
Binding Arbitration. This Arbitration Agreement is made pursuantto a transaction involving
interstate commerce, and shall be governed by and be enforceable under the Federal
Arbitration Act (the'FAA'), 9 U.S.C. 41-16 as k may be amended. This Arbitration Agreement
setsforththe circumstances and procedures under which claims (as defined below) may
be resolved by arbitration instead of being litigated in court
Pardon Covered. Forthe purposes of this Arbitration Agreement, W,'ua', and 'our' also
includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns,
any purchaser of your Account, and all of their officers, directors, employees, agents,
and assigns or any and all of them. Additionally, % ve,'us' and'our'shall include any third
party providing benefits, services, or products in connection with the Account (including
but not limited to credit bureaus, merchants that accept any credit device issued under
the Account, rewards programs and enrolment services, credit insurance companies,
debt collectors, and all of their officers, directors, employees, agents and representatives)
if, and only if, such a third parry is named byyou as a co-defendentin any Claim you assert
against us.
Claims Covered. Either you or we may, without the other's consent, elect mandatory,
binding arbitration of any claim, dispute or controversy by either you or us against the
other, or against the employees, parents, subsidiaries, affilates, beneficiaries, agents or
assigns of the other, arising from or relating in any way to the Cardmember Agreement,
any prior CardmemberAgreement your credit card Account or the advertising, application
or approval of your Account ('Claim'). This Arbitration Agreement governs all Claims,
whether such Claims are based on law, statute, contract, regulation, ordinance, tort,
common law, constitutional provision, or any legal theory of law such as respondeat
superior, or any other legal or equitable ground andwhether such Claims seekas remedies
money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject
to this Arbitration Agreement include Claims regarding the applicability of this Arbitration
Agreementor the validity of the entire Cardmember Agreement or any prior Cardmember
AgreemenL This Arbitration Agreement Includes Claims that arose in the post, or arise
in the present or the future. As used in this Arbitration Agreement, the term Claim is to
be given the broadest possible meaning.
Claims subjectto arbitration include Claims that are made as counterclaims, cross claims,
third party claims, interpleaders or otherwise, and a party who initiates a proceeding in
court may elect arbitration with respect to any such Claims advanced in the lawsuit by
any party or parties.
As an exception to this Arbitration Agreement, you retain the right to pursue in a small
claims courtany Claim that is within that court's jurisdiction and proceeds on an individual
basis. If 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 shall have no authority to proceed on such basis. This means thateven
if a class action lawsuit or other representative action, such as thatin the form of a private
attorney general action, is filed, any Claim between us related to the issues raised In such
lawsuits will be subject to an individual arbitration claim if either you or we so elect
No arbitration will be consolidated with any other arbitration proceeding without the
consent of ail parties. The only Claims that may be joined in an individual action under
this Arbitration Agreement are (1) those brought by us against you and any co-applicant,
joint cardmember, or authorized user of your Account, or your heirs or your trustee in
bankruptcy or (2) those brought by you and any co-applicant, joint cardmember, or
authorized user of your Account, or your heirs or your trustee in bankruptcy against us.
Initiation of Arbitration. The party filing a Claim in arbitration must choose one of the
fallowing two arbitration administrators: American Arbitration Association; or National
Arbitration Forum. These administrators are independent from us. The administrator does
not conduct the arbitration. Arbitration is conducted under the rules of the selected
arbitration administrator by an impartial third party chosen in accordance with the rules
of the selected arbitration administrator and as may be provided in this Arbitration
Agreement Any arbitration hearing that you attend shall be held at a place chosen by
the arbitrator or arbitration administrator within the federal judicial district in which you
reside at the time the Claim is filed, or at some other place to which you and we agree in
writing, You may obtain copies of the current rules of each of the two arbitration
administrators, information about arbitration and arbitration fees, and instructions for
initiating arbitration by contacting the arbitration administrators as follows:
American Arbitration Assecindan, 335 Madison Avenue, Floor 10, New York, NY
10017.4605, Web site: www.adr org, 800-776-7879; or
National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web she:
www.arbitration-forum.com, 800-474-2371.
Procedures tied law applicable in arbitration. A single, neutral arbitrator will resolve
Claims. The arbitrator will either boa lawyerwith atleastten years experience or a retired
or former judge. The arbitration will be conducted under the applicable procedures and
rules of the arbitration administrator that are in effect on the date the arbitration is filed
unless those procedures and rules are inconsistent with this Arbitration Agreement, in
which case this Agreementwill prevail. These procedures and rules may limitthe amount
of discovery available to you or us. The arbitrator will apply applicable substantive law
consistent with the I`AA and applicable statutes of limitations, and will honor claims of
privilege recognized at law. You may choose to have a hearing and be represented by
counsel The arbilratorwlll take reasonablo steps to protect customerAccount information
and other confidential information, including the use of protective orders to prohibit
disclosure outside the arbitration, If requested to do so by you or us. The arbitrator will
have the power to award to a party any damages or other relief provided for under
applicable law, and will not have the power to award relief to, against, or for the benefit
of any person who is not a party to the proceeding. If the law authorizes such relief, the
arbitrator may award punitive damages or attorney fees. The arbitrator will make any
award in writing but need not provide a statement of reasons unless requested by a party.
Upon a request by you or us, the arbitrator will provide a brief statement of the reasons
for the award.
Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the
amount of 5500 upon receipt of proof of payment Additionally, 4 there is a hearing, we
Page 3 of 6 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 All otherfees will be allocated in keeping with the rules of the arbitration
administrator and applicable law. However, we will advance or reimburse filing fees
and other fees tithe arbitration administrator or arbitrator determines 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 fees and costs of that party's
attorneys, experts, witnesses, documents and other expenses, regardless of which
party prevails, for arbitration and any appeal (as permitted below), except that the
arbitrator shall apply any applicable low in determining whether a party should
recover any or all fees and costs from another parry.
Enforcement finality, appeals. Failure or any delay in enforcing this Arbitration
Agreementatanytime, or in connection with any particular Claims, will not constitute
a waiver of any rights to require arbitration at a later time or in connection with any
other Claims. Any decision rendered in such arbitration proceeding will be final and
banding on the parties, unless a party appeals in writing to the arbitration organization
within 30 days of issuance of the award. The appeal must request a new arbitration
before a panel of three neutral arbitrators designated by the some arbitration
organization. The panel will reconsider all factual and legal issues anew, follow the
some rules that apply to a proceeding using a single arbitrator, and make decisions
based on the vote of the majority. Each party will bear their own fees, costs and
expenses for any appeal, but a parry may recover any or ail fees, costs and expenses
from another party, if the majority of the panel of arbitrators, applying applicable
law, so determines. An award in arbitration will be enforceable as provided by the
FAA or other applicable law by any court having jurisdiction.
Severability, survival. This Arbitration Agreement shall survive: (i) termination or
changes in the Cardmember Agreement, the Account and the relationship between
you and us concerning the Accourrt, such as the issuing of a now account number
or the transferring of the balance in the Account to another account: (ii) the
bankruptcy of any party or any similar proceeding initiated by you or on your behalf,
and (iii) payment of the debt in full by you or by a third party. If any portion of this
Arbitration Agreement is deemed invalid or unenforceable, the remaining portions
shall nevertheless remain in force.
CHANGES TO THIS AGREEMENT
We can change this agreement at arty time, regardless of whether you have access
to your account, by adding, deleting, or modifying any provision. Our right to add,
delete, or modify provisions includes financial terns, such as the APRs and fees,
and other terms such as the nature, extent, and enforcement of the rights and
obligations you or we may have relating to this agreement Modifications, additions,
or deletions are called 'Changec or a'Change
We will notify you of any Change if required by applicable law. These Changes may
be effective with notice only, at the time stated in our notice, in accordance with
applicable low. Unless we state otherwise, any Change will apply to the unpaid
balances on your account and to newtransactions.
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
acceptthe Changes, your accountmay be closed (if it is not already closed) and you
will be obligated to pay your outstanding balance under the applicable terms of the
agreement. It you do not notify us in writing by the date stated in the notice, or if you
notify us but then use your account after the date stated in the notice, you will be
deemed to accept all Changes in the notice and to accept and confirm all terms of
your agreement and all Changes in prior notices we have sent you regardless of
whether you have access to your account
CREDIT INFORMATION
We may periodically review your credit history by obtaining information from credit
bureaus and others.
We may report information about you and your account to credit bureaus, including
your failure to pay us on time. If you request additional cards on your account for
others, we may report account information in your name as well as in the names of
those other people.
If you think we have reported inaccurate information to a credit bureau, you may
write to us at the Cardmember Service address listed on your billing statement
Please include your name, address, account number, telephone number and a brief
description of the problem. If available, please provide a copy of the credit bureau
report in question. We will promptly investigate the matter and, if our Investigation
shows that you are right, we will contact each credit bureau to which we reported
the information and will requestthay correct the report If we disagree with you after
our investigation, we will tell you in writing or by telephone. We will also notify the
credit bureau that you dispute the information unless you let us know that you no
longer dispute the information.
NOTICESXHANGE OF PERSONAL INFORMATION
We will send cards, billing statements and other notices to you atthe address shown
in our files. Or, if this Is a joint account we can send billing statements and notices
to any joint account holder. Notice to one of you will be considered notice to all of
you and all of you will remain obligated on the account If you change your name,
address, or home, cellular or business telephone number or email address (if 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, acceptmailing address corrections from the United States Postal Service.
We may contact you aboutyour account, including for customer service or collection,
at any address or telephone number as well as any cellular telephone number you
provide us.
TELEPHONE MONITORING AND RECORDING
We, and If applicable, our agents, may listen to and record yourtelephone calls with
us. You agree that we, and if applicable, our agents, may do so, whether you or we
initiate the telephone call.
INFORMATION SHARING
You authorize us to share certain information aboutyou and your accoumwithin our
family of companies, and with others outside our family of companies including any
company o r organization whose name or mark may appear on the cards, as permitted
by law. Our Privacy Policy, which Is provided to you when you first receive an
agreement and at least once each calendar year thereafter, describes our Information
sharing practices and the choices you have and directions you may give us about
our sharing of information about you and your account with companies or
organizations within and outside of our family of companies.
ILLINOIS CARDMEMBERS
Illinois low provides that we may not share information about you with companies
or other organizations outside of our family of companies unless you authorize the
disclosure or unless the disclosure falls under another exception in the law (such
as sharing information to process your transactions or in response to a subpoena).
You hereby agree that, 0 you choose notto exercise the applicable opt out described
in our Privacy Policy, you will be deemed to have authorized us to share personal
information we have about you (including information related to any of the products
or services you may have with any of our companies) with companies or other
organizations outside of our family of companies.
ENFORCING THIS AGREEMENT
We can delayenforcing or not enforce any of our rights underthis agreemerKwithout
losing our right to enforce them in the future. If any of the terms of this agreement
are found to be unenforceable, all other terms will remain In full force.
ASSIGNMENT
We may assign your account, any amounts you awe us, or any of our rights and
obligations under this agreement to a third party. The person to whom we make the
assignment will be antfded to any of our rights that we assign to that person.
GOVERNING LAW
THETERMSANDENFORCEMENT OFTHISAGREEMENTANDYOUR ACCOUNT SHALL
BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO
THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD
TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND
YOUR ACCOUNTARE LOCATED, WILLAPPLY NO MATTER WHEREYOU LIVE OR USE
THE ACCOUNT.
FOR INFORMATION
Please call the Cardmember Service telephone number on your card or billing
statement it you have any questions about your account or this agreement.
YOUR BILLING RIGHTS
Keep This Notice For Fatare Use
This notice contains important information about your rights and our responsibilities
under the Fair Credit Billing Act
Notify Us In Case 01 Errors Or Questions About Your Bill
If you think your bill is wrong, or If you need more information about a transaction
on your bill, write us on a separate sheet at the Cardmember Service address shown
on your billing statement Write to us as soon as possible. We must hear from you
no later then 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 hem 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 amountyou think is wrong.
To stop the payment your letter must reach us at least three business days before
the automatic payment is scheduled to occur.
Your Rights And Our Responsibilities Aflor We Receive Year Written Notice
We must acknowledge your letter within 30 days, unless we have corrected the
error by then. Within 90 days, we must either correct the error or explain why we
believe the bill was correct
After we receive your letter, we cannot try to collect any amount you question, or
report you as delinquent We can continue to bill you for the amount you question,
including finance charges, and we can apply any unpaid smount 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 statement of the amount
you owe and the date that it is due.
If you fail to pay the amountthat we think you awe, we may reportyou as delinquent
However, ff our explanation does not satisfy you and you write to us within 10 days
telling us that you still refuse to pay, we must tell anyone we report you to that you
have a question aboutyour big. And,we musttall you the name of anyonews reported
you to. We muattell anyone we reportyou to that the matter has been settled between
us when it finally is.
If we don't follow these rules, we can't collect the first 550.00 of the questioned
amount, even If your bill was correct
Special Rules for Credit Card Purchases
Page 4 of 6 CMA18103
If you have a problem with the quality of property or services that you purchased with a
credit card, and you have tried in good faith to correct the problem with the merchant
you may have the right not to pay the remaining amount due on the properly or services.
This right does not apply to check transactions. There are two limitations on this right
(s) You must have made the purchase in your home state or, if not within your home state,
within 100 miles of your current mailing address; and
(b) The purchase price must have been more than $50.00.
These limitations do not apply if we own or operate the merchant, or if we mailed you the
advertisement for the property or services.
Copyright (02007 JPMorgen Chase & Co. All rights reserved.
Page 5 of 6 CMAIB103
RATES AND FEES TABLE
(This table may also be referred to as the Table of Interest Charges)
Rates (APR mesas Annual Percentage Rate)
IntroductoryAPR
0% fixed APR 10% 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 Rate' plus 14.99%, currently 23.24% (0.00368% daily periodic rate)
Balance Transfer/Balance Transfer Check APR afterthe Introductory Period
The Prime Rate' plus 14.99%, currently 23.24% (01163611% daily periodic rate)
Cash Advance/Cash Advance Check APR
The Prime Rate* plus 19.99%, currently 28.24% (0.07737% daily periodic rate)
Default APR
The Prime Rate' plus up to 23.99%, currently 32.24% (0.08833% daily periodic rate)
Overdraft Advance APR
13.99% fixed APR (0.03833% daily periodic rate)
" Estimated variable APRs above are based on the 8.25% Prime Rate as of March 22, 2007.
Fees and Finance Charges
ATM Cash Advance Fee -- Finance Charge
3% of transaction (minimum fee of $10.00)
Non-ATM Cash Advance / Cash Advance Check Fee -- Finance Charge
3% of transaction (minimum fee of $10.00)
Balance Transfer Fee -- Finance Charge
3% of transaction (minimum fee of $5.00 and maximum of $75.00)
Balance Transfer Check Fee -- Finance Charge
3% of transaction (minimum fee of $5.00 and maximum of $75.00)
Minimum Periodic Finance Charge $1.00
(if any periodic finance charge is payable for a billing cycle)
Annual Membership Fee None
Late Fees:
$15.00 if the balance is up to, but not including $100.00,
$29.00 if the balance is $100.00 up to, but not including SM.00,
$39.00 if the balance is $250.00 and over
Overtimit Fee $39.00
Return Payment Fee $39.00
Return Check Fee 538.00
Administrative Fees:
Copy of Billing Statement or other record $5.00
Page 6 of 6 CMA18103
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 ofJ W", to
The above statements are true to the best
On L ? 'Pobefore 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
C stine L Sallie
STANLEY F. DAVID, JR-
Notary PubNo,?M2
u n
Quallued in N
Cornmjasion Expires
MIDLAND FUNDING LLC
8875 Aero Dr
San Diego, CA 92123
vs.
In the Court of Common Pleas of
CUMBERLAND County, Pennsylvania
Plaintiff Civil Division
CRYSTAL PEFFER
862 CARLWYNNE MANOR APT 212
CARLISLE PA 17013
Defendant
vs.
METRO BANK
65 ASHLAND AVE
CARLISLE, PA 17013
Garnishee
NO: 11-3998
r: x --j
r n rrt r=a-
r-
c„n
k > w cis
r- M
--i>
<C7J - ?,
C-) Qom.
r..
rv a r,
Praecipe for Entry of Appearance
matter.
Kindly enter my appearance on behalf of MIDLAND FUNDING LLC in the above-captioned
Date: February 9, 2012
; & Name: _
ddress: 120
Telephone No: (570) 558-5510 Ext. 0
Supreme Court ID No: 8628
PRAECIPE FOR WRIT OF EXECUTION - (MONEY JUDGMENT) RULES PA. R.C.P.4? fJ31'( a):;f
MIDLAND FUNDING LLC Co
x-
8875 Aero Dr In the Court of Common Pleas of .?? ?V ?
San Diego, CA 92123 CUMBERLAND County, Pennsylvanian"'-
Plaintiff Civil Division 'te a
3
Z
.
C)
vs. .? i t
^a' C-11
CRYSTAL PEFFER NO: 11-3998
862 CARLWYNNE MANOR APT 212
CARLISLE PA 17013
Defendant
PRAECIPE FOR WRIT OF EXECUTION AND
vs. ATTACHMENT
METRO BANK
65 ASHLAND AVE
CARLISLE, PA 17013
Garnishee
(MONEY JUDGMENT)
To the Prothonotary: TO SATISFY THE JUDGMENT, ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER
(1) Directed to the Sheriff of CUMBERLAND County, Pennsylvania;
(2) Against: CRYSTAL PEFFER
(3) And against: METRO BANK 65 ASHLAND AVE CARLISLE, PA 17013
(4) and index this writ (a) against
Defendant(s) (b) against METRO BANK 65 ASHLAND AVE CARLISLE, PA 17013
Garnishee(s),
as a lis pendens against the real property of the defendant(s) in the name of the Gamishee(s), any and all accounts of the
defendant(s), in the possession of Garnishee, including but not limited to savings account balances; checking account
balances; Certificates of Deposit; Money Market Accounts; contents of Safety Deposit Boxes. Defendant's SSN(s):
196-68-7527;
(5) Judgment Amount
Interest
Paid
Clerks Fee
Sheriff
Poundage
Total
Date: February 9, 2012
aq ob A
3y??F
? ?. coo h G??
$8,101.26
$108.85
824.70
$
Michaff F. Ratchford, Esquire
Edwin A. Abrahamsen & Associa s, P.C.
Attorney for Plaintiff
mratchford@eaa-law.corn
. SO cc-
Cor- It t5tccp
tt 971Y38 ?n ? D-C ?X ?BUe
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 11-3998 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due MIDLAND FUNDING LLC Plaintiff (s)
From CRYSTAL PEFFER, 862 CARLYWYNNE MANOR, APT. 212, CARLISLE,, PA 17013
(1) You are directed to levy upon the property of the defendant (s)and to sell
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
METRO BANK, 65 ASHLAND AVENUE, CARLISLE, PA 17013 -ANY AND ALL ACCOUNTS
OF THE DEFENDANT(S), IN THE POSSESSION OF GARNISHEE, INCLUDING BUT NOT
LIMITED TO SAVINGS ACCOUNT BALANCES; CHECKING ACCOUNT BALANCES;
CERTIFICATES OF DEPOSIT; MONEY MARKET ACCOUNTS; CONTENTS OF SAFETY
DEPOSIT BOXES.
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof,
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $7,276.56 L.L. $.50
Interest $108.85
Atty's Comm % Due Prothy $2.25
Atty Paid $171.50 Other Costs
Plaintiff Paid
Date: 2/24/12
David D. Buell, Prothonotary
(Seal) 49 A-0 -0- ?,
Deputy
REQUESTING PARTY:
Name MICHAEL F. RATCHFORD, ESQUIRE
Address: EDWIN A. ABRAHAMSEN & ASSOCIATES, P.C.
120 KEYSER AVENUE
SCRANTON, PA 18504
Attorney for: PLAINTIFF
Telephone: 570-558-5510
Supreme Court ID No. 86285
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson 45
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Sheriff V Y
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Jody S Smith tV f,
Chief Deputy x7.
Richard W Stewart
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Solicitor ._
Midland Funding LLC
Case N
umber
vs
.
Crystal L Peffer
2011-
3998
SHERIFF'S RETURN OF SERVICE
02/29/2012 09:10 AM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on February
29, 2012 at 0910 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and
monies of the within named defendant, to wit: Crystal L. Peffer, in the hands, possession, or control of the
within named garnishee, Metro Bank, 65 Ashland Avenue, Carlisle, Cumberland County, Pennsylvania
17013, by handing to Carol Walter, Senior Customer Service Representative personally three copies of
interrogatories together with three true and attested copies of the writ of execution and made the contents
there of known to her.
The writ of execution and notice to defendant was mailed on March 1, 2012 to Crystal Peffer at 862
Carlynne Manor, Apartment 212, Carlisle, PA 17013.
SO ANSWERS,
March 01, 2012 RON RANDERSON, SHERIFF
n tshal e p u t y
MIDLAND FUNDING LLC
8875 Aero Dr
San Diego, CA 92123
Plaintiff
vs.
CRYSTAL PEFFER
862 CARLWYNNE MANOR APT 212
CARLISLE PA 17013
Defendant
VS.
METRO BANK
65 ASHLAND AVE
CARLISLE, PA 17013
N
In the Court of Common Pleas of ?v r
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CUMBERLAND County, Pennsylvania :J
Civil Division cnr
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NO: 11-3998 Y
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INTERROGATORIES IN ATTACHMENT
Garnishee
RE: Execution of Judgment against your depositor CRYSTAL PEFFER SSN # 196-68-7527
You are required to file answers to the following interrogatories within twenty (20) days after
service upon you. Failure to do so may result in judgment against you:
1) At the time you were served or at any subseqent time, did the Defendant possess
any bank accounts, joint or individual, that were in your custody or control?
Please specify joint or individual account. Please list the legal title of any such
account(s) an dthe primary account holder and if known whether joint account is
entireties property. Defendant has accoyunt xxxxx8453 held individually with a
balance of $1296.29. Defendant did not receive $300 exemption.
2) At the time you were served or at any subsequent time, what was the balance and
account number of the bank accounts(s) identified in Interrogatory #1?
yes
3) At the time you were served or at any subsequent time, please list the average
daily balance in the past five (5) months for each such account identified in your
answer to Interrogatories number one (1) and two (2) above.
$1314
4) At the time you were served or at any subsequent time, did the bank account(s)
that the Defendant possessed contain fund derived solely from social security
funds and/or disability funds?
no
5) At any time before or after you were served, did the Defendant(s) transfer or
deliver any property or money to you or to any person or place pursuant to your
direction or consent, and if so, what was the consideration therefore?
no
6) At any time after you were served, did you pay, transfer or deliver any money or
property to the Defendant(s) or to any person or place pursuant to the Depositor's
direction or otherwise discharge any claim of the Depositor against you?
no
7) At the time you were served or any subsequent time, did you have, share, or
utilize any safe-deposit boxes, pledges, documents of title, securities, notes,
coupons, receivable, license, or collateral in which there was an interest claimed
by Defendant(s)?
no
8) At the time you were served or at any subsequent time did the Defendant(s)account
contain funds deposited electronically on a recurring basis and which are identified
as being exempt from execution, levy or attachment. If so, state the reason for the
exemption, the amount being withheld and the entity electronically depositing
those funds on a recurring basis.
no
9) At the time you were served or at any subsequent time did the defendant have funds
on deposit in an account in which the funds on deposit, not including any otherwise
exempt funds, did not exceed the amount of the general monetary exemption under
42 Pa.C.S. Section 8123? If so, identify each account.
no
10) Identify every other account (not previously noted) titled in the name of the
Defendant(s) in which you believe the Defendant(s) have an interest in whole of
part, whether or not styled as a payroll account, individual retirement account, tax
account, lottery account, partnership account, joint or tenants by entirety account,
insurance account, trust or escrow account, attorney's account, or otherwise.
11) To the extent that you're above answers depend in whole or part on documents,
account records, or other papers or electronic data, describe each in exact detail
(or attach a copy of the same).
Edwin
By --r ---
M'chael F. Ratchford,
120 North Keyser Avenue
Scranton, PA 18504
(570) 558-5510
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. § 4904 relating
to unworn falsifications to authorities, that he/she is Jennifer Hilbish
(Name)
Levy Specialist of Metro Bank, garnishee herein,
(Title) (Company)
that he/she duly authorized to make this verification, and that the facts set forth in the foregoing
Answers to Interrogatories are true and correct to the best of his/her knowledge, information and
belief.
L4G? RE)
MIDLAND FUNDING LLC
vs.
In the Court of G
Plaintiff CUMBERLAND
: Civil Division
CRYSTAL PEFFER
862 CARLWYNNE MANOR APT 212
CARLISLE PA 17013
Defendant
vs.
METRO BANK
65 ASHLAND AVE
CARLISLE, PA 17013
Garnishee
NO: 11-3998
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Praecipe to Enter Judgment against Garnishee
To the Prothonotary of CUMBERLAND County Pennsylvania:
Please enter the above Praecipe to Enter Judgment against Garnishee in the amount of $996.29.
This amount is less the $300.00 statutory exemption claim.
Edwin A. Abrahamsen
Lawyer ID # 86285
P.C.
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Sworn and subscribed before me on this day of MO IJ, 201
Notary Public
COW d°?ref_ ,T - _-
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Thank you,
MIDLAND FUNDING LLC
120 North Keyser Ave.
Scranton, PA 18504
In the Court of Common Pleas of
CUMBERLAND County, Pennsylvania
Civil Division
Plaintiff
vs.
NO: 11-3998
CRYSTAL PEFFER
862 CARLWYNNE MANOR APT 212
CARLISLE PA 17013
Defendant
M E"I RO BANK
65 ASHLAND AVE
CARLISLE, PA 17013
Garnishee
NOTICE OF FILING JUDGMENT
Notice is herby given that a money udgment in the above-captioned matter has been entered
against you in the amount of $ 4 C4
to . S`) on
If you have any questions regarding this notice, please contact the filing party:
Edwin A. Abrahamsen & Associates
120 North Keyser Avenue
Scranton, PA 18504
Telephone: (570)-558-5510
(Notice is given in accordance with PA Supreme Court Rule of Civil Procedure No. 236)
MIDLAND FUNDING LLC
8875 Aero Dr
San Diego, CA 92123
vs.
In the Court of Common Pleas of
: CUMBERLAND County, Pennsylvania
Plaintiff Civil Division
CRYSTAL PEFFER
862 CARLWYNNE MANOR APT 212
CARLISLE PA 17013
Defendant
vs.
METRO BANK
65 ASHLAND AVE
CARLISLE, PA 17013
Garnishee
NO: 11-3998
INTERROGATORIES IN ATTACHMENT
RE: Execution of Judgment against your depositor CRYSTAL PEFFER SSN # 196-68-7527
You are required to file answers to the following interrogatories within twenty (20) days after
service upon you. Failure to do so may result in judgment against you:
1) At the time you were served or at any subseqent time, did the Defendant possess
any bank accounts, joint or individual, that were in your custody or control?
Please specify joint or individual account. Please list the legal title of any such
account(s) an dthe primary account holder and if known whether joint account is
entireties property. Defendant has accoyunt xxxxx8453 held individually with a
balance of $1296.29. Defendant did not receive $300 exemption.
2) At the time you were served or at any subsequent time, what was the balance and
account number of the bank accounts(s) identified in Interrogatory #1?
yes
3) At the time you were served or at any subsequent time, please list the average
daily balance in the past five (5) months for each such account identified in your
answer to Interrogatories number one (1) and two (2) above.
$1314
4) At the time you were served or at any subsequent time, did the bank account(s)
that the Defendant possessed contain fund derived solely from social security
funds and/or disability funds?
no
5) At any time before or after you were served, did the Defendant(s) transfer or
deliver any property or money to you or to any person or place pursuant to your
direction or consent, and if so, what was the consideration therefore?
no
c 1? 37t?9
6) At any time after you were served, did you pay, transfer or deliver any money or
property to the Defendant(s) or to any person or place pursuant to the Depositor's
direction or otherwise discharge any claim of the Depositor against you?
no
7) At the time you were served or any subsequent time, did you have, share, or
utilize any safe-deposit boxes, pledges, documents of title, securities, notes,
coupons, receivable, license, or collateral in which there was an interest claimed
by Defendant(s)?
no
8) At the time you were served or at any subsequent time did the Defendant(s)account
contain funds deposited electronically on a recurring basis and which are identified
as being exempt from execution, levy or attachment. If so, state the reason for the
exemption, the amount being withheld and the entity electronically depositing
those funds on a recurring basis.
no
9) At the time you were served or at any subsequent time did the defendant have funds
on deposit in an account in which the funds on deposit, not including any otherwise
exempt funds, did not exceed the amount of the general monetary exemption under
42 Pa.C.S. Section 8123? If so, identify each account.
no
10) Identify every other account (not previously noted) titled in the name of the
Defendant(s) in which you believe the Defendant(s) have an interest in whole of
part, whether or not styled as a payroll account, individual retirement account, tax
account, lottery account, partnership account, joint or tenants by entirety account,
insurance account, trust or escrow account, attorney's account, or otherwise.
11) To the extent that you're above answers depend in whole or part on documents,
account records, or other papers or electronic data, describe each in exact detail
(or attach a copy of the same).
Edwin
By
M chael F. Ratchford, Esy
Zl??I North Keyser Avenue
Scranton, PA 18504
(570) 558-5510
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. § 4904 relating
to unsworn falsifications to authorities, that he/she is Jennifer Hilbish
(Name)
Levy Specialist of Metro Bank, garnishee herein,
(Title) (Company)
that he/she duly authorized to make this verification, and that the facts set forth in the foregoing
Answers to Interrogatories are true and correct to the best of his/her knowledge, information and
belief.
(SIGN TUBE)
Request for Military Status
Department of Defense Manpower Data Center
40 Military Status Report
Pursuant to the Service Members Civil Relief Act
Page 1 of 2
Mar-28-2012 08:09:19
< Last
Name First/Middle Begin Date Active Duty Status Active Duty End Date Service
Agency
PEFFER Based on the information you have furnished, the DMDC does not possess
any information indicating the individual status.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast
Guard).
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§
501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's status by contacting that person's Service via the
"defenselink.mil" URL http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the
person is on active duty and you fail to obtain this additional Service verification, punitive provisions of
the SCRA may be invoked against you. See 50 USC App. §521(c).
If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a
middle name), you can submit your request again at this Web site and we will provide a new certificate
for that query.
This response reflects active duty status including date the individual was last on active duty, if it was
within the preceding 367 days. For historical information, please contact the Service SCRA points-of-
contact.
https://www.dmdc.osd.mil/appj/scra/popreport.do 3/28/2012
Request for Military Status Page 2 of 2
r .
More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a
period of more than 30 consecutive days. In the case of a member of the National Guard, includes
service under a call to active service authorized by the President or the Secretary of Defense for a period
of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national
emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR)
members must be assigned against an authorized mobilization position in the unit they support. This
includes Navy TARs, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a
Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health
Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a
period of more than 30 consecutive days.
Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active
duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate.
Many times orders are amended to extend the period of active duty, which would extend SCRA
protections. Persons seeking to rely on this website certification should check to make sure the orders on
which SCRA protections are based have not been amended to extend the inclusive dates of service.
Furthermore, some protections of the SCRA may extend to persons who have received orders to report
for active duty or to be inducted, but who have not actually begun active duty or actually reported for
induction. The Last Date on Active Duty entry is important because a number of protections of SCRA
extend beyond the last dates of active duty.
Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights
guaranteed to Service members under the SCRA are protected.
WARNING: This certificate was provided based on a name and SSN provided by the requester.
Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID:3A441EHRI I
https://www.dmdc.osd.mil/appj/scra/popreport.do 3/28/2012
MIDLAND FUNDING LLC
Plaintiff
vs.
CRYSTAL PEFFER
862 CARLWYNNE MANOR APT 212
CARLISLE PA 17013
Defendant
vs.
METRO BANK
65 ASHLAND AVE
CARLISLE, PA 17013
Garnishee
In the Court of Common Pleas of r.7
CUMBERLAND County, Pennsylvan4fF ?a
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Civil Division ma)
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NO: 11-3998 '
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Praecipe to Satisfy Judgment against Garnishee
To the Prothonotary of CUMBERLAND County Pennsylvania:
Please enter the above Praecipe to Satisfy Judgment against Garnishee.
Thank you,
jwfLTti--??
Michael F. Ratchford, Esquire
Edwin A. Abrahamsen & Associates, P.C.
Lawyer ID # 86285
?- I
Sworn and subscribed before me on this day o 20 t
Notary ublic
'go 4-1 R Ns )+ YL Ver?aN1
,?y tk a7 3Ot /,S
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FP ipi
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith ZO P? ?'
Chief Deputy
Richard W Stewart
Solicitor
Midland Funding LLC Case Number
vs. 2011-3998
Crystal L Peffer
SHERIFF'S RETURN OF SERVICE
12119/2012 10:32 AM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on December
19, 2012 at 1030 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and
monies of the within named defendant, to wit: Crystal L. Peffer, in the hands, possession, or control of the
within named garnishee, Metro Bank, 20 Noble Boulevard, Carlisle, Cumberland County, Pennsylvania, by
handing to Taryn L. Walters, Store Manager, personally three copies of interrogatories together with three
true and attested copies of the writ of execution and made the contents there of known to her.
to Crystal Peffer at 862
The writ of execution and notice to defendant was mailed on DecemZ212COLI,
Carlwynne Manor, Apt. # 212, Carlisle, PA 17013.
Y
W NE, DEPUT
December 20, 2012
SO ANSWERS,
RON R ANDERSON, SHERIFF
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson i=it [ _
0,
Sheriff
I
Jody S Smith
Chief Deputy 2013 AUG 3D AM 10: 26
d a
Richr W Stewart
Richard F, � ,_ � = CUMBERLAND COUNT`
PENNSYLVANIA
Midland Funding LLC
Case Number
vs.
Crystal L Peffer 2011-3998
SHERIFF'S RETURN OF SERVICE
12/19/2012 10:32 AM-William Cline, Deputy Sheriff,who being duly sworn according to law, states that on
December 19, 2012 at 1030 hours, attached as herein commanded all goods, chattels, rights, debts,
credits, and monies of the within named defendant, to wit: Crystal L. Peffer, in the hands, possession, or
control of the within named garnishee, Metro Bank, 20 Noble Boulevard, Carlisle, Cumberland County,
Pennsylvania, by handing to Taryn L. Walters, Store Manager, personally three copies of interrogatories
together with three true and attested copies of the writ of execution and made the contents there of
known to her.
The writ of execution and notice to defendant was mailed on December 20, 2012 to Crystal Peffer at 862
Carlwynne Manor,Apt. #212, Carlisle, PA 17013.
08/29/2013 Ronny R.Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is
returned as ABANDONED. No action on writ in over 6 months.
SHERIFF COST: $87.89 SO ANSWERS,
C
August 29, 2013 R-ONO R ANDERSON, SHERIFF
ell
(c)Counly5uite Sheriff,Teleosoft,Inc.
MIDLAND FUNDING LLC
vs.
CRYSTAL PEFFER
. In the Court of Common Pleas of
Plaintiff : CUMBERLAND County, Pennsylvania
. Civil Division
NO: 11 -3998
Defendant .
Praecipe to Satisfy the Judgment, Settle,
Discontinue and End Case.
To the Prothonotary of CUMBERLAND County Pennsylvania:
Please enter the above Praecipe to Satisfy the Judgment, Settle, Discontinue and End Case.
Thank you,
Michael F. Ratchfo d, Esquire
Edwin A. Abrah•. sen & Associates, P.C.
Lawyer ID # 8. 85,
120 N. Keyse Avenue
Scranton PA 18504