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HomeMy WebLinkAbout11-4355COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS Judicial District, County Of CUMBERLAND FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No. NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. NAME OF APPELLANT MAG. DIST. NO. NAME OF MDJ BLUESTONE INVESTMENTS, INC. 09-3-04 (Cumberland) Thomas A. Placey ADDRESS OF APPELLANT CITY STATE ZIP CODE C/O Amato and Lessa, P.C. 107 North Commerce Way Bethlehem PA 18017 DATE OF JUDGMENT IN THE CASE OF (Plaintiff) (Defendant) 4/21/11 BLUESTONE INVESTMENTS, INC. vs NICKIE CRAMER DOCKET No. SIGNATURE -1>PPELL9NT OR ATTORNEY OR AGENT CV-786-10 This block will be signed ONLY when this notation is required under Pa. R.C.P.D.J. No. 10088. This Notice of Appeal, when received by the Magisterial District Judge, will operate as a SUPERSEDEAS to the judgment for possession in this case. NOTICE OF APPEAL If appellant was Claimant (see Pa. R. C. P. D. J. No. 1001(6) in action before a Magisterial District Judge, A COMPLAINT MUST BE FILED within twenty (20) days after filing the NOTICE of APPEAL. of Prothonotary or PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R. C. P. D. J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon (Common Pleas No. appellee(s), to file a complaint in this appeal ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. tgnature o appellant or attorney or agent RULE: To Name of appellee(s) appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: , 20. Signature of Prothonotary or Deputy YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENTITRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. Name of appellee(s) AOPC 312-05 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND b,*? Notice of Judgment/Transcript Civil Case Mag. Dist. No: MDJ-09-3-04 MDJ Name: Honorable Thomas A. Placey Address: 5275 East Trindle Road Suite 110 Mechanicsburg, PA 17050 Telephone: 717-697-2201 Bluestone Investments Inc C/O Amato & Lessa, P.C. 107 North Commerace Way Bethlehem, PA 18107 Disposition Summary Bluestone Investments Inc V. Nickie Cramer 3 1.7aa's C-np IA. , PA Docket No: MJ-09304-CV-0000786-2010 Case Filed: 12/13/2010 Docket No Plaintiff Defendant Disposition Disposition Date MJ-09304-CV-0000786-2010 Bluestone Investments Inc Nickie Cramer Judgment for Defendant 04/21/2011 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT 1S ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Da e I certify that this is a true and correct copy of the record of the proceedings contaiaing-mgjj g--ment. -4 _ 'bAte Magisterial District Mcbe Thomas A. Placey ?*? a- Magisterial District Judge Thomas A. Placey W f'• of Ei. Ir1„ 4:1 k MDJS 315 Page 1 of 1 Printed: 04/21/2011 10:13:43AM 41 COMMONWEALTH OF PENNSYLVANIA COUNTY OF: CUMBERLAND Magisterial District No.: 09-3-04 (Cumberland) MDJ Name: Hon. Thomas A. Placey Address: 5275 E. Trindle Rd Mechanicsburg, PA 17050 Telephone: 717/761-8230 AMOUNT DA T EE PAID FILING COSTS $ 0 0 •V 0 ? ? ? ?if !SZ POSTAGE $?.t7o ?2/ 13 !o SERVICE COSTS $ CONSTABLE ED. $ TOTAL $ V •?b CIVIL COMPLAINT PLAINTIFF: NAME and ADDRESS BLUESTONE INVESTMENTS, INC. c/o Amato and Lessa, P.C. 107 North Commerce Way, Bethlehem, PA 18017 (610) 866-0400 DEFENDANT: F--.. j NICKIE CRAMER VS NAME and Address 6961 Wertzville Rd Apt 3, ENOLA PA 17025-1010 Docket No: C\li 0 ood'l?v(a,'2?1A Date Filed: lg^ 12) AZ L Social security numbers and financial information (e.g. PINS) should not be fisted. If the identity of an account number must be established, list only the last four digits. 204 Pa.Code § §273.1-213.7. Pa R C P D J No 206 sets forth those costs recoverable by the prevailing party. TO THE DEFENDANT: The above named Plaintiff(s) asks judgment against you for $2,033.08 together with costs upon the following claim (Civil fines must include citation of the statute or ordinance violated): Chase Bank USA, N.A. issued a credit card to Defendant(s). Thereafter, Defendant(s) used said credit card account and defaulted in the repayment terms thereunder. For value received, all legal rights to this claim were assigned to Plaintiff. By virtue of said assignment, Plaintiff acquired legal title to said account and the right to collect it. Despite demand by Plaintiff, Defendant(s) have failed and/or refused to pay any part thereof. AMOUNT DUE $1,793.66, plus INTEREST of $239.42. 1. Justin N. Davis, Esq., Atty ID# 84464, verify that the facts set forth in this complaint are true and correct to the best of my knowledge, information and belief. This statement is made subject to the penalties of Section 4904 of the Crimes Code (18 PA. C.S. § 4904) related to unsworn falsification to authorities. ?a .11111`,,, ....... ... ..... ... .. (Signature of Plaintiff or Authorized Agent) Plaintiff's Attorney File Number: 1100560 Attorney: Address: Amato and Lessa, P.C. 107 North Commerce Way Telephone: (610) 866-0400 FAX 610-866-9155 Bethlehem, PA 18017 IF YOU INTEND TO ENTER A DEFENSE TO THIS COMPLAINT, YOU SHOULD SO NOTIFY THIS OFFICE IMMEDIATELY AT THE ABOVE TELEPHONE NUMBER. YOU MUST APPEAR AT THE HEARING AND PRESENT YOUR DEFENSE. UNLESS YOU DO JUDGMENT MAY BE ENTERED AGAINST YOU BY DEFAULT. If you have a claim against the plaintiff which is within magisterial district judge jurisdiction and which you intend to assert at the hearing, you must file it on a complaint form at this office at least five (5) days before the date set for the hearing. If you are disabled and require a reasonable accommodation to gain access to the Magisterial District Court and its services, please contact the Magisterial District Court at the above address or telephone number. We are unable to provide transportation. AOPC 30BA-10 CAG FILED-ter F ICL f EI BROTH 1110 2011 MAY 16 AM 10 2 S'i CUMBERLAND LUJI.4 -0 PENNSYLVANIA pd?9/ 75 A4j Grss&- C?? aoa 9w COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff No. 11-4355 Civil rn w C= --r vs. r n : rn _ 0 V M NICKIE CRAMER p _< cn 8>':F CIVIL ACTION C7 _ Defendant(s) s?ca a z = C =C) cs s ENTRY OF APPEARANCE ca Kindly enter my appearance on behalf of Plaintiff, BLUESTONE INVESTMENT S, INC., in the above-captioned matter. AMATO AND LESSA, P.C. By: C:?? Daniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 A DEBT COLLECTION LAW FIRM COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff No. 11-4355 Civil ? ?3 N VS. : m rn -? - _..? r- NICKIE CRAMER u c CIVIL ACTION c c:) Defendant " _ ?- :.J c NOTICE `' raa YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY 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 MAYBE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 AMATO AND LESSA, P.C. By: Daniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 A DEBT COLLECTION LAW FIRM COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff No. 11-4355 Civil vs. NICKIE CRAMER CIVIL ACTION Defendant(s) COMPLAINT The above Plaintiff brings this action against the above Defendant to recover the sum of $2,082.02, with interest thereon as hereinafter stated, upon the following causes of action: 1. Plaintiff, BLUESTONE INVESTMENTS, INC., is a Pennsylvania corporation with an address of 107 N. Commerce Way, Bethlehem, PA 18017. 2. Defendant, NICKIE CRAMER, is an adult individual located at 6961 Wertzville Rd Apt 3, Enola, PA 17025-1010. 3. At Defendant's request, Defendant was issued a MasterCard credit card by Chase Bank USA, N.A. or its predecessor in interest. 4. Defendant received and accepted said credit card. 5. From time to time thereafter, Defendant made various purchases, cash advances and/or balance transfers with said credit card. A true and correct statement of Defendant's account is attached hereto, made a part hereof and marked Exhibit "A." True and correct copies of monthly billing statements sent to Defendant in connection with Defendant's use of said credit card are attached hereto, made part hereof and collectively marked Exhibit "B." 6. Subsequently, for value received, all rights, title and interest of Chase Bank USA, N.A. in this claim were assigned, transferred and set over to Plaintiff. True and correct copies of the bills of sale selling and assigning all rights, title and interest in this claim to Plaintiff are attached hereto, made part hereof and collectively marked Exhibit "C." 7. By virtue of said assignment, Plaintiff acquired legal title to Defendant's aforementioned credit card account and became the legal holder of the claim against Defendant. Defendant has not adhered to the agreed-upon repayment obligations that govern the aforesaid credit card account, by reason of which Defendant is in default thereof. 9. A total amount which became due as a result thereof, after allowance for all proper credits for payments and/or adjustments, if any, was $1,793.66. 10. Plaintiff is entitled to receive interest on the above amount determined by applying the agreed interest rate of 6.00% per annum to the past due balance, which currently totals $288.36. 11. Plaintiff is entitled to have the 6.00% interest charge continue to accrue, as set forth above, from May 23, 2011 on down to the date of judgment in this matter. 12. Plaintiff has made demand against Defendant for the aforesaid sum, but Defendant has failed or refused to pay the same or any part thereof. WHEREFORE, Plaintiff demands judgment against Defendant for $2,082.02 together with the continually accruing interest charge at the statutory rate of 6.00% per annum from May 23, 2011, costs of suit and all other relief to which Plaintiff may be entitled. COUNT II Alternative to Count I - Unjust Enrichment 13. Plaintiff incorporates the allegations of every paragraph enumerated above of this Complaint as if said paragraphs were fully set forth here at length. 14. At Defendant's request, Plaintiff and/or Plaintiff s predecessor-in-interest (collectively "Plaintiff') conferred a benefit upon Defendant by providing the credit card services described in the exhibits attached hereto. 15. Defendant received and accepted the benefit of said services provided by Plaintiff. 16. At all times material hereto, Defendant was aware that Plaintiff was providing the aforesaid services to Defendant and that Plaintiff expected to be paid for such. 17. At all times material hereto, Defendant, with the aforesaid knowledge, permitted Plaintiff to provide said services and to incur damages. 18. At all times material hereto, Defendant was unjustly enriched by retaining the benefit of receiving said services without paying Plaintiff fair and reasonable compensation. 19. Allowing Defendant to retain the benefit of said services without paying fair compensation would be unjust. 20. By reason of the aforesaid unjust enrichment of Defendant at Plaintiffs expense, an implied contract exists between Plaintiff and Defendant and Defendant is obligated to pay Plaintiff the quantum meruit value of the services described in the exhibits attached hereto in the amount of $1,793.66. WHEREFORE, Plaintiff demands j udgment against Defendant for $1,793.66 together with the continually accruing interest charge at the statutory rate of 6.00% per annum from May 23, 2011, costs of suit and all other relief to which Plaintiff may be entitled. AMATO PTC. By: aniel A. Wechsler, Esq., Atty 3922 Justin N. Davis, Esq., Atty ID #84464 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 A DEBT COLLECTION LAW FIRM VERIFICATION Michelle Bright, hereby states that she is the Legal Case Manager of Bluestone Investments, Inc., Plaintiff in this action, and verifies that the statements made in the attached Complaint are true and correct to the best of her knowledge, information and belief. It is acknowledged that Michelle Bright is not a party to the action but an employee of the parry. However, she has sufficient knowledge of the facts set forth herein. The source of her knowledge lies in the fact that she was the individual who executed the assignment of the account to plaintiff and her job duties include review of files in the instance that a witness is needed for a hearing. The verification is not made by an officer of the corporation as the officer's job duties do not typically include review of individual accounts at this stage of proceedings. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to authorities. Michelle Bright TS, INC. c/o Amato & Lessa, P.C. 107 N. Commerce Way, Suite 100 Bethlehem, PA 18017 CREDITOR NAME: ORIGINAL CREDITOR: ORIGINAL ACCOUNT #: DEBTOR NAME: BLUESTONE ACCOUNT # DATE OPENED: DATE LAST PAID: PRINCIPAL: INTEREST: INTEREST RATE: COLLECTION CHARGES: TOTAL: Bluestone Investments, Inc. Chase Bank USA, N.A. 5401683041755361 NICKIE CRAMER 1100560 12/28/2006 5/11/2008 $1,793.66 $288.36 6% 00 $2,082.02 EXHIBIT BLUESTONE ???INVESTMEN E40168304175536100003700001310870000001 • 42800 BEX Z 06607 D NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 I I I I I II I, I I I I I I I I I I I I I 1111 1 1 11111 II I I I I I I I I I I I I I I I I I I I a I I I I II CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 L??III??JII???J?rLJrIL??III?r????II?II??IIr,?J??ll??l?l 1:5000 160 281: 209304175536 L 2116 Opening/Closing Date: 02/28/07 - 03/27107 CUSTOMER SERVICE E O 1 0 U.S. 1-800-945-2000 I CHAS Minimum Payment Due: $37 00 hol 1-888-446-3308 Espa TDD 1.800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,336.32 Total Credit Line $2,000 P.O. Box 15298 Payment, Credits -$50.00 Available Credit $689 Wilmington, DE 19850-5298 Finance Charges +$24.55 Cash Access Line $2,000 New Balance $1,310.87 Available for Cash $689 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards & Item was transferred from lost / stolen account. CHASE PERFECTCARD REWARD-S MMA-RY _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 $0.00 rebates to expire on statement date in With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 03/12 10710710211129191700059 &Payment Thank You Electronic Chk $50.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Balance Due To Transaction Accumulated FINANCE Category 28 days in cycle APR Periodic Rate Fee Fin Charge CHARGES Purchases V.06368% 23.24% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V.06642% 24.24% $1,319.65 $24.55 $0.00 $0.00 $24.55 Total finance charges $24.55 Effective Annual Percentage Rate (APR): 24.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS NOTICE: We are replacing the Two-Cycle Average Daily Balance Method (compute interest on previous and current cycle rnirrhaaw halanrAA) with tha AvArnnH Daily Ralnnra inrliutinn EMBff State: -- Zp' ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. YOU can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must compy whir 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 vour account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible throwgyh the envelope window: theenveiope cannotcontain more than one payment or coupon; and there can be is 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 or flat day. If your payment is in accordance with our payment instructions, bid is made available to us after 1:00 p.m. local time at our past office box designated for payments on this statement, we will credit it to your account as of the next day. 11 you do not follow our payment instructions or if your payment is not sett by regular U.5 mail to our post office box designated for payments, crediting of your payment may be delayed for up to 6 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 repot 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 vie have reported Inaccurate information to a credit bureau, you may write to us at the Lardmember 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 front 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 vie receive your paymerd, and you will not receive your check baeklrom your financial institution. Cal the customer serrice number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked `paid in full or contains a similar natation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049. Wilmington, DE 198505049. We reserve all our rights regarding these payments (e.g., h it is determined there is no valid dispute or it any such check is received at airy 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 biled each year or in monthly installments whether or not vou use your account. and you agree to pay it when billed. The annual fee is fan-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 firm, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to loft 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, usinthe applicable periodic rates shown an this statement, separately for each feature (e g , balance transterioonveniance checks and cash advance checks ("check transaction"), purchases. balance transfers, cash advances. promotional balances or overdraft advances). Please consul your Cardmember Agreement for the features that are applicable to your card These calculations may combine different categories with the same daily 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 minknu n finance charge in any balm? 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 amv maw 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 evcle 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 hater date of our choice). Fees are added either on the date of a related transaction, the date they are posted to vour account, or the lest day of the billing c cleThis gives us that day's daily balance. A credit balance is treated as a balance of zero, l a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the biling cycle to calculate the daily periodic finance charge each day.) N this statement shows a previous cycle avenge daily balance for purchases, we do the same thing for each day of the previous cycle to get the daily balance of purchases for the previous billing cycle. However, the dailly, balance for previous billing cycle purchases is considered to be zero for each day oft previous baling cycle if a periodic finance charge was already billed on purchases itemized on your previous statement or we received payment of your New Balance on your previous statement In full by the date and time your payment was due. To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, vin add all of the daily periodic finance charges for all features. To determine an average daily balance, we add (Our daily balances and divide by the number of the days in the applicable billing cycle(s). If you multlpy the average daily balance for each feature by the applicable daffy periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(st, and then add all of the results together, the total will also equal the periodic finance clrurdes for the billing cycle, except for minor variations due to rounding. To gel your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies., multiply the average dairy balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. r,...e P-me 4 1 1 u.•i an A,- ur" ,,,,mod;,. e-,,,., ,a.-- • r.,,.•-- re, s 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, von will not incur periodic finance charges on any Remaining Balance that appears in that section t 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, payyourfull New Balance minus tha total of those Remaining Balance(st by the date and Vme your payment is due. However, it your statement shows that a minimum payment is due, we must receive at least that minimum payment by the doe and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. For 'deferred interest" Qualifying Promotional Financing, periodic finance charges aocme during the promotonal period but are not arlded to your account balance. Instead. they accumulate from bitting cycle to bhling cycle. It a do; interest e, thedng Promotional FriancIng balance is not paid in full by the applicable Fxpiretion Gate, the ddeelferred finance charges vvill be added [o your account as soon as the first day her the Expkatan Date Further,a oudefe IunderthetermsotyourCardmemberAgreement,ihedeierredfinance charges will be added to your account as on as the date of detauft For "fixed payment" Qualifying Promotional Financing that peons you to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each pavment includes a portion of the interest owed over the repayment term for that purchase. However, you 411 have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions Aleut Your Bill: It you think your bill Is wrong, or it you need more information about a transaction on vour bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-6299 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, it vou can, why you believe there is an error If you need more information.. describe the itam 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 pa nt on any amourd you think is wrong. To stop the payment, your letter or call (usingthe fa dmer leer 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 Ion 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 corectthe problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of vour mailing address. These limitation do not apply d vie own or operate the merchant. or if we sailed you the advertisement for the property or services. 540168304175536],00011700001377290000003 • 13218 BEX Z 11707 0 NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 L„II I???IIL???LJ?JJI,??III???r??IL11r?IL??J??llr?l?l 1:50001P,0281: 209 30 L, L 7 5 5 3 6 L 211' Opening/Closing Date: 03/28/07 - 04/27107 CUSTOMER SERVICE E i 1 U.S. 1-800-945-2000 l CHAS Minimum Payment Due: $1 00 ol 1-888-446-3308 Esp h TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,310.87 Total Credit Line $2,000 P .O. Box 15298 Purchases, Gash, Debits +$39.00 Available Credit $622 Wilmington, DE 19850-5298 Finance Charges +$27.42 Cash Access Line $2,000 New Balance $1,377.29 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www,chase.com/creditcards CHASE PERFECTCARD REWARDS SUMMARY _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 $0.00 rebates to expire on statement date in With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1% rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04/22 LATE FEE $39.00 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 V.06368% 23.24% $7.56 $0.15 $0.00 $0.00 $0.15 Cash advances V.06642% 24.24% $1,324.01 $27.27 $0.00 $0.00 $27.27 Total finance charges $27.42 Effective Annual Percentage Rate (APR): 24.71% 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 any Six Flags Theme Park and pay just 99 Dollars. Log on to your account at Chase.com to take advantage of this exclusive offer. State: -- Zrp' ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments m ust be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. It your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report, If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay It when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on vfiich the annual tee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is 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 transfericonvenience 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 Cardrmember 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 bedrininp balance for each feature, add any new transactions or other debits date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average dairy balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. we add all of the daily periodic finance charges for all features. To determine an average daily balance. we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total vdli equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers. cash advances, check transactions, or overdraft advances. In addition, if there Is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on now 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 minim um payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." If a deferred interest Qualifying Promotional Financing balance Is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmermber 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 clan telephone us, but doing so will not preserve your rights. In your letter.. give us the following information, -Your name and account number - The dollar amount of the suspected error - Describe the error and explain, if you can, why you believe there is an error. If you need more information. describe the item you are unsure about You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services thatyou purchased with a credit card (excluding nurrhacpc made Wth a rhprlri and vnn havp tripd in nnnd With to rnrrprr 540168304175536100020500001450820000004 • 47513 BEX Z 14707 D NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 I u,II I, I, II I„ul,II r, I,I I, 11 1I I„1111111I I„I 111111111111111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 L P30 281: 209 30 L, 17 5 5 3 6 L 211' Opening/Closing Date: 04/28107 - 05/27107 CUSTOMER SERVICE Due Date: e 06/21107 I CHASE O ayment Due: m P Miniimu $205.00 Espa of 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,377.29 Total Credit Line $2,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $549 Wilmington, DE 19850-5298 Finance Charges +$34.53 Cash Access Line $2,000 New Balance $1,450.82 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. CHASE PEREE SAW-RE-ABD-M- MAM _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 $0.00 rebates to expire on statement date in With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 05/23 LATE FEE $39.00 FINANCE CHARGES Daily Periodic Rate Category 30 days in cycle Purchases V .082171% Cash advances V .082171/o Total finance charges Finance Charge Corresp. Average Daily Due To APR Balance Periodic Rate 29.99% $46.13 $1.14 29.99% $1,354.20 $33.39 $34.53 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. Transaction Accumulated FINANCE Fee Fin Charge CHARGES $0.00 $0.00 $1.14 $0.00 $0.00 $33.39 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. State: -- Z P., ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon: and there can be no staples.. paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m, local time at our post office box designated for 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 boxdesignated 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 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 white to Lis at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction, When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount. must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance(. We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual tee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to closa your account and to limit your right to make transactions on your account. If your account is closed by you or us, vie 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 transferfconvenience checks and cash advance checks ("check transaction'). purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a W" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance. or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add anv new transactions or other debits 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. li a daily periodic rate applies to any feature, vie multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the baginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies.. we add all of the daily periodic finance charges for all features. To determine an average daily balance, vie add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average 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 forthe billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your Now 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 Cardmernber Agreement. the deferred linance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Ouestions About Your Bill: If you think your bill is wrong, orif you need more information abouta transaction on your bill, write Cardmernber Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter. give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about You do not have to pay arty amount in question while we are investigating. but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment. Your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services thatyou purchased with a credit card (excluding nnmhacpc marip with n rhprkl And vnn havp tripri in nnnrl With to rnrrprt 540168304175536100029600001527430000002 46727 BEx Z 17807 0 NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 IIIIIIIIIIIIIaIIIIaIIIIIIIIIIaIIIIIaIIIIIIIIIIII1911111II11111 1: 5000 L 60 281: 209 30 L. 1? 5 5 3 6 L 211• Opening/Closing Date: 05/28/07 - 06/27/07 CUSTOMER SERVICE Er U.S. 1-800-945-2000 I CHAS Minimum Payment Due: $296.00 fiol 1-888-446-3308 Espa TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,450.82 Total Credit Line $2,000 P .O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $472 Wilmington, DE 19850-5298 Finance Charges +$37.61 Cash Access Line $2,000 New Balance $1,527.43 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. CHASE PERFECTCARD REWARDS SUMMARY _ _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 $0.00 rebates to expire on statement date in With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1% rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06/22 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $87.83 $2.24 $0.00 $0.00 $2.24 Cash advances V.08217% 29.99% $1,388.57 $35.37 $0.00 $0.00 $35.37 Total finance charges Effective Annual Percentage Rate (APR): 29.99% $37.61 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. State: -- Zip. ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -------- L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips. tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but Is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, 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 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 timas disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay Itwhen 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 transferrconvenience 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 Cardmomber 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 date they are posted to your account, or the last day of the 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 periodic finance charges for that day. We then add these periodic finance charges to your daily balance to gat the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minorvariations due to rounding. To getyourtotal periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total will equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment Is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases whan your Now Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement. even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest.' If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Ouestions About Your Bill: If you think your bill is wrong, orif you need more information abouta transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we Investigate your question, we cannot report you as delinquent or take action to collect the amount you question, If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services thatyou purchased with a credit card (excluding n reh-- marip vrith n rh-0 an rl vrni have tripri in nnnrl faith to rnrrpet 540168304175536100033800001589020000002 203128 XZ20607D NICKIE M CRAMER 804 CORNWALL RD CARDMEMBER SERVICE LEBANON PA 17042-7016 PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 160 281: 209 30L, 1 7 5 5 3 6 1 211• Opening/Closing Date: 06/28107 - 07/27/07 CUSTOMER SERVICE CHASE O M nimum Payment Due: $338.00 IEspaflol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 ACCOUNT INQUIRIES MASTERCARD ACCO UNT SUMMARY Account Number: 5401 6830 4175 5361 P.O. Box 15298 Wilmington, DE 19850-5298 Previous Balance $1,527.43 Total Credit Line $2,000 Payment, Credits -$296.00 Available Credit $410 PAYMENT ADDRESS Purchases, Cash, Debits +$320.00 Cash Access Line $2,000 P.O. Box 15153 Finance Charges +$37.59 Available for Cash $0 Wilmington, DE 19886-5153 New Balance $1,589.02 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. CHASE PERFECTCARD REWARDS SUMMARY _ For questions about your account please call Previous balance $0,00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07/14 11961950841666323400003 PAYMENT -THANK YOU 50.00 07/21 12032020841666404200004 PAYMENT -THANK YOU 246.00 07/21 74266852083424000188565 Returned Payment DE 246.00 07/27 74266852083424000188565 RETURNED PAYMENT FEE 35.00 07/27 LATE FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08217% 29.99% $101.00 $2.49 $0.00 $0.00 $2.49 Cash advances V.08217% 29.99% $1,423.77 $35.10 $0.00 $0.00 $35.10 Total finance charges $37.59 Effective Annual Percentage Rate (APR): 29.99% State: -- Zip' ----- ---- Home Phone: --- --- ---- Work Phone: - E-mail Address: Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail most comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments m ust be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. It your payment is in accordance with our payment Instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, 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 of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report , If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you snake 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, vie 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 a<ach feature (e.g., balance transfer/convenience checks and cash advance checks ("check transaction"). purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. ro 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 date they era posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average dally 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 minorvariations due to rounding. To getyouriotal 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 vie receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers. cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you Wit 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 Now Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest" It a deferred interest Qualifying Promotional Financing balance Is not paid In full by the applicable Expiration Date. the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information abouta transaction onyour bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. Your name and account number The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe there is an error. If you need more information describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized its 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 ortelephone 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 Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding nnrchagpq made with a rhprkn and vnn have marl in nnnrl faith to rnrrpnt DUE DATE THAT WORKS BEST FOR YOU, PLEASE CALL CUSTOMER SERVICE. TO PAY THE AMOUNT DUE, YOU CAN ACCESS OUR WEBSITE DISPLAYED ON THIS STATEMENT OR CALL 1-800-436-7958. 54016830417553610001290000],367220000008 29957 BEX Z 23907 D NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 160 281: 2093011--175536 L211* Opening/Closing Date: 07128/07 - 08/27107 CUSTOMER SERVICE HASE O ment Due Date: 09/16/07 S 1-800-945-2000 P C um Payment Due: Minim $129.00 Espafiol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 68304175 5361 ACCOUNT INQUIRIES Previous Balance $1,589.02 Total Credit Line $2,000 P .O. Box 15298 Payment, Credits -$296.00 Available Credit $632 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Cash Access Line $2,000 Finance Charges +$35.20 Available for Cash $0 PAYMENT ADDRESS New Balance $1,367.22 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.corn/creditcards CHASE PERFECTCARD REWARDS SUMMARY _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 08/03 12152150200000176971135 Payment Thank You Electronic Chk $296.00 08117 LATE FEE 39.00 FINANCE CHARGES Daily Periodic Rate Corresp. Category 31 days in cycle APR Purchases V.08217% 29.99% Cash advances V.08217% 29.99% Total finance charges Effective Annual Percentage Rate (APR): Finance Charge Average Daily Due To Transaction Accumulated FINANCE Balance Periodic Rate Fee Fn Charge CHARGES $43.01 $1.10 $0.00 $0.00 $1.10 $1,338.57 $34.10 $0.00 $0.00 $34.10 $35.20 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. State: -- Zip. ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order. payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples. paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for 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 vie have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send as 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 of any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transfericonvenience 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 own 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 anv new transactions or other debits date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day We then add these periodic finance charges to your daily balance to gat the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies.. we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the padodle finance charges for the billing cycle, except for minorvadabons due to rounding. To getyourtotal periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." If a deferred interest Qualifying Promotional Financing balance Is not paid in full by the applicable Expiration Date. the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, it you default under the terms of your Cardmefber Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter.. give us the following information. -Your name and account number - The dollar amount of the suspected error - Describe the errorand explain, if you can, why you believe there is an error If you need more information. describe the item you are unsure about You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question.. we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to payyour 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 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 Purchases: If you have a problem with the quality of goods or services thall purchased with a credit card (excluding nurnhacpc mnrip vAth s rhprkl And vnii havp triprl in nnnd faith to nnrrprf 540168304175536100004600001,277,780000005 34775 BEX Z 27007 0 NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 I,?,IIL„111,,,,1 „1„I,II„JII,,,,,JI,II„IL„J„II„IJ CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:50001P.0281: 209 30 4 L 7 5 5 3 6 L 211' Opening/Closing Date: 08/28/07 - 09127/07 CUSTOMER SERVICE 0 ment Due Date: 011707 1 1 I CHASE 4M um Payment Due: Min m $46 00 Espa'hol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,367.22 Total Credit Line $2,000 P .O. Box 15298 Payment, Credits -$129.00 Available Credit $728 Wilmington, DE 19850-5298 Finance Charges +$33.56 Cash Access Line $2,000 New Balance $1,271.78 Available for Cash $728 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards ?HASE A$UUCC-.EWABDS SUMMARY For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1% rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 09/12 12552550200000130562670 Payment Thank You Electronic Chk $129.00 FINANCE CHARGES Daily Periodic Rate Category 31 days in cycle Purchases V .08216% Cash advances V.08216% Total finance charges Finance Charge Corresp. Average Daily Due To APR Balance Periodic Rate 29.99% $19.77 $0.51 29.99% $1,297.43 $33.05 Effective Annual Percentage Rate (APR): 29.99°% $33.56 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. Transaction Accumulated FINANCE Fee Fin Charge CHARGES $0.00 $0.00 $0.51 $0.00 $0.00 $33.05 State: Zp' ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. I f 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 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 vie have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance), We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transferrcanvenience checks and cash advance checks ('check transaction"). purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a W" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer.. cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beciinninq balance for each feature, add any new transactions or other debits 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 them add these periodic finance charges to your daily balance to gat the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minorvariations due to rounding. To getyourtotal 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 cycle2 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 vie receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, it there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." It a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, orif you need more information abouta transaction onyour bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the errorand explain, If you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question. we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings 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 the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services thatyou purchased with a credit card (excluding n orrhn- -ria viith a rhorltl and unn havp tripri in nnnd With to r.nrrprt 540168304175536100013000001342830000006 17975 BEX Z 30007 D NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L 60 284 209 30L. L 7 5 5 3G L 211' Opening/Closing Date: 09128/07 - 10/27/07 CUSTOMER SERVICE 0 CHASE Minimum Payment Due: $130.00 Espanol 1-886-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,271.78 Total Credit Line $2,000 P .O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $657 Wilmington, DE 19850-5298 Finance Charges +$32.05 Cash Access Line $2,000 New Balance $1,342.83 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards CHASE PERFECTCARD RF11?(ASDS SUMMARY ___ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 10/18 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.08216% 29.99% $13.56 $0.34 $0.00 $0.00 $0.34 Cash advances V.08216% 29.99% $1,286.53 $31.71 $0.00 $0.00 $31.71 Total finance charges $32.05 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. State: -- Zip' ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to Our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial Institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with Our address visible through the envelope window, the envelope cannot contain more than one payment or coupon; and there can be no staples. paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for 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 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 vie have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send as for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning It to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual too, 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, vie 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 transfericonvenience checks and cash advance cheeks ("check transaction"). purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a W" next to a periodic rate on this statement, that rate may vary. and the index and margin used to determine that rate and its corresponding APR are described in your Car member 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 date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to gat the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies.. we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your paymentwas due. There is no grace period for balance transfers.. cash advances, check transactions, or overdraft advances. In addition, if there Is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement. even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, it you default under the terms of your Cardmernber Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction onyour bill, write Cardmernber Service on a separate sheet at PA. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter.. give us the following information. Your name and account number The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe there is an error. If you need rnore information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services thatyou purchased with a credit card (excluding nnrrhn- mania with a rharkl and vnn havp triprf in nnnd faith to rnrrant 540168504175536100021,800001416780000003 51696 BEX Z 33107 0 NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L 60 281: 209 30L. 1 7 5 5 3 6 1 211' Opening/Closing Date: 10/28/07 - 11/27/07 CUSTOMER SERVICE ASE O CH Minimum Payment Due: $218.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,342.83 Total Credit Line $2,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $583 Wilmington, DE 19850-5298 Finance Charges +$34.95 Cash Access Line $2,000 New Balance $1,416.78 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. CHASE PERFECTCARD REWARDS SUMMARY _ _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 11/18 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V .08216% 29.99% $52.97 $1.35 $0.00 $0.00 $1.35 Cash advances V .08216% 29.99% $1,319.16 $33.60 $0.00 $0.00 $33.60 Total finance charges $34.95 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. State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order. payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments in list be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m, local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service.. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report If you think vie have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount.. must be sent to Card Services, P.0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance) We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date vie mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, vie 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 transfericonvenience 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 stalement, 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 CardmernberAgreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add anv new transactions or other debits date they are posted to your account, or the last day of the 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 periodic finance charges for that day. We them add these periodic finance charges to your daily balance to gat 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, the 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). I f you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total Will equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your Now Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance Includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional pelted but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." II 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, it you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or 0uestions About Your Bill: If you think your bill is wrong, or if you need more information abouta transaction on your bill, write Cardin ember Service on a separate sheet at P.O. Box 15299 Wilmington, OF 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the errorand explain. if you can, why you believe there is an error. If you need more information describe the item you are unsure about. You do riot 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 its 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 thall purchased with a credit card (excluding nurrhgepc -da vrith n rhar4l nnri vnu hgvp triad in nnnrl Faith in rnrrprr 540168304175536100030700001491450000007 39599 BEX Z 36107 D NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L 60 281: 209 30 L.L 7 5 5 3 6 L 211' Opening/Closing Date: 11/28/07 -12/27/07 CUSTOMER SERVICE E O / 1-800-945-2000 CHAS Minimum Payment Due: $307 00 -888.446-3308 Espahol 1 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,416.78 Total Credit Line $2,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $508 Wilmington, DE 19850-5298 Finance Charges +$35.67 Cash Access Line $2,000 New Balance $1,491.45 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditr-ards 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. CHASE PERFECTCARDj3E 6fARDS SUMMARY _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 12/18 LATE FEE $39.00 FINANCE CHARGES Daily Periodic Rate Corresp. Category 30 days in cycle APR Purchases V.08216% 29.99% Cash advances V.08216% 29.99% Total finance charges Effective Annual Percentage Rate (APR): Finance Charge Average Daily Due To Transaction Accumulated FINANCE Balance Periodic Rate Fee Fin Charge CHARGES $94.21 $2.33 $0.00 $0.00 $2.33 $1,352.62 $33.34 $0.00 $0.00 $33.34 $35.67 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. State: -- Zp ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -------- L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order. payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips. tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us an any day except December 25 by 1:00 p.m. local time at our post office box designated forpaytnents 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 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 vie have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Cali the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. it it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed Bach year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer. cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To gat 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 date they are posted to your account, or the last day of the 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, vie multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average dally 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 cyclefsl, and then add all of the results together, the total will also equal the pariodic finance charges for the billing cycle, except for minorvariations due to rounding. To getyourtotal 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 (late it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your paymentwas due. 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 vdll 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 an 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 minim um payment by the date and time specified on your statement.. even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest." If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 9 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the errorand explain, If you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rude for Credit Card Purchases: If you have a problem with the quality of goods or services thatyou purchased with a credit card (excluding nurohm- mnrip with n rhprkl nnri vnu have triad in nnnd faith to nnrrnrt 540168304175536100040000001569270000007 51467 BEX Z 02706 D NICKIE M CRAMER 804 CORNWALL RD CARDMEMBER SERVICE LEBANON PA 17042-7016 PO BOX 15153 WILMINGTON DE 19886-5153 'III' I I I I I I I I I I I I I I I I I I I I l l I I I l' I f1 1 9 1 1 II 1 II 11 II # 4 11 111 II 1 1 111 1:5000 L60 281: 20930L,L75536 L 211• Opening/Closing Date: 12/28107 - 01/27/08 CUSTOMER SERVICE CHASE O 1-800-945-2000 I Minimum Payment Due: $400.00 -888-446-3308 Espafiol 1 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,491.45 Total Credit Line $2,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $430 Wilmington, DE 19850-5298 Finance Charges +$38.82 Cash Access Line $2,000 New Balance $1,569.27 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www,chase.com/creditcards 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. CHASE PERFECTCARD REWAeDS SUMMARY _ _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 01/17 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V.08216% 29.99% $136.93 $3.49 $0.00 $0.00 $3.49 Cash advances V.08216% 29.99% $1,386.93 $35.33 $0.00 $0.00 $35.33 Total finance charges $38.82 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. State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------- L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon; and there can be no staples: paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. I f 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 of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report . If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment; you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount. must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance), We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed Bich 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 mch feature (e.g., balance transfericonvenience 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 Cardrnember 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 anv new transactions or other debits date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). I f 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 minorvariations due to rounding. To getyourtotal 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 vie receive both payment of your New Balance on your current statement by the date and time your payment Is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers.. cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you vdll 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 Now Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing sector, 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" II 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 Carom ember Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardrnember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter: give us the following information. Your name and account number The dollar amount of the suspected error Describe the errorand explain, if you can, why you believe there is an error. If you need more information. describe the item you are unsure about You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question: we cannot report you as delinquent or take action to collect the amount you question, if you have authorized us to payyour 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 ortelephone 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 Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding niimhacvc rnprlp with s rh-Vi -ri vnn hpvA tripri in nnnri faith in rnrrnrf 540168304175536100044900001602830000004 38223 BEX Z 05808 D NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 209304175536 L 211' Opening/Closing Date: 01128/08 - 02127/08 CUSTOMER SERVICE ASE O Due Date: e 03118/08 In U S 1-800-945-2000 CH ayment Due: Minimu m P $449.00 Espafiol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,569.27 Total Credit Line $2,000 P .O. Box 15298 Payment, Credits -$46.00 Available Credit $397 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Cash Access Line $2,000 Finance Charges +$40.56 Available for Cash $0 PAYMENT ADDRESS New Balance $1,602.83 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards 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. CHASE PERFECTCARD REWARDS SUMMARY _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 02/17 LATE FEE $39.00 02/21 10520520800004977902692 Payment - Thank You 46.00 FINANCE CHARGES Daily Periodic Rate Corresp. Category 31 days in cycle APR Purchases V.08216% 29.99% Cash advances V.08216% 29.99% Total finance charges Effective Annual Percentage Rate (APR): Finance Charge Average Daily Due To Transaction Accumulated FINANCE Balance Periodic Rate Fee Fin Charge CHARGES $169.54 $4.32 $0.00 $0.00 $4.32 $1,422.70 $36.24 $0.00 $0.00 $36.24 $40.56 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. State Zlpk ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order. payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance oath 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. loci 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 vie have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your cheek to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments. whether or not you use your account, and you agree to pay it when billed, The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date vie mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us. we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transferlconvenience checks and cash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a W" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and Its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for aach feature, add any new transactions or other debits date they are posted to your account, or the last day of the billing cycle, This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one dally periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the pedodic finance charges for the billing cycle, except for minorvariations due to rounding. To getyourtotal periodic finance charge for a billing cycle when a monthly periodic rate(s) applies. multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your Now 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 rot 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 0uestians 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 oil a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter.. give us the following information. Your name and account number The dollar amount of the suspected error • Describe the errorand explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, vie 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 ortelephone numbershown on this statement) must reach us at least three business days before the automatic payment is scheduled to OCCIir. 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 nurnhaq- mpria urifh a rhprlr) And vnn have tripri in nnnd Faith to rnrrprl 540168304175536100044800001586250000008 56356 BEX Z 08706 0 NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 IInIIIIIIIIII I I I I I I I I I IIII911IIIn11n1i1IIu1I1n1inllnl1I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I a I I I I I I I I I CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 160 281: 209 30L, 17 5 5 3 6 1, 211' Opening/Closing Date: 02/28/08 - 03/27/08 CUSTOMER SERVICE ASE O Payment Due Date: 04/16/08 I CH inimum Payment Due: M $448.00 Espahol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD CARD SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,602.83 Total Credit Line $2,000 P.O. Box 15298 Payment, Credits -$93.00 Available Credit $413 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Cash Access Line $2,000 Finance Charges +$37.42 Available for Cash $0 PAYMENT ADDRESS New Balance 586.25 $1 P.O. Box 15153 , Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards 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. CHASE PERFECTCAR[Q REWARDS SUMMARY _ _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 03/19 LATE FEE $39.00 03/21 10810810800004977903405 Payment - Thank You 93.00 FINANCE CHARGES Daily Periodic Rate Corresp. Category 29 days in cycle APR Purchases V.08011% 29.24% Cash advances V.08011% 29.24% Total finance charges Effective Annual Percentage Rate (APR): Finance Charge Average Daily Due To Transaction Accumulated FINANCE Balance Periodic Rate Fee Fin Charge CHARGES $152.80 $3.55 $0.00 $0.00 $3.55 $1,457.77 $33.87 $0.00 $0.00 $33.87 $37.42 29.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. State: Zf p•: Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, parable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples. paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m, local time at our post office box designated for payments on this statement. we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. if you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount. must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the chock and you will still ovee any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: if your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transferfoonvenience checks and cash advance checks ("check transaction"). Purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. if there is a V' next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits date they are posted to your account, or the last day of the billing cycle This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the pariodic finance charges for the billing cycle, except forminorvariations dueto rounding. To getyourtotal periodicfinance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment Is due and also payment of your New Balance on your previous statement by the date and time your paymentwas due. There is no grace period for balance transfers.. cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. Also, for some Qualifying Promotional Financing balances, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. This is referred to as "deferred interest" If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmernber Agreement, the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmernber Service on a separate sheet at P.C. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter. give us the following information. -Your name and account number - The dollar amount of the suspected error - Describe the errorand explain, if you can. why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized its to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Role for Credit Card Purchases: If you have a problem with the quality of goods or services thatyou purchased with a credit card (excluding m irrhn- rnprip vrith a rharkn and vnii have triad in nnnri faith to rnrrnrt 540168304175536100044900001571940000007 59319 BEX Z 11608D NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 I,..III,.,III,,.,I„L,III,,,lll,n,nll?llnll,n,l,?llnl,l CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L60 281: 209304 L 75536 1211§ Opening/Closing Date: 03/28/08 - 04/27/08 CUSTOMER SERVICE HASE O S 1-800-945-2000 I C Minimum Payment Due: $449.00 ol 1-888-446-3308 Espafi TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD CARD SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,586.25 Total Credit Line $2,000 P.O. Box 15298 Payment, Credits -$93.00 Available Credit $428 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Cash Access Line $2,000 Finance Charges +$39.69 Available for Cash $0 PAYMENT ADDRESS New Balance $1 571.94 P.O. Box 15153 , Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards 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. CHASE PERFECTCARD REWARDS SUMMARY _ _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1% rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 04/17 LATE FEE $39.00 04/21 11121120800004977903716 Payment -Thank You 93.00 FINANCE CHARGES Daily Periodic Rate Corresp. Category 31 days in cycle APR Purchases V.08011% 29.24% Cash advances V.08011% 29.24% Total finance charges Effective Annual Percentage Rate (APR): Finance Charge Average Daily Due To Transaction Accumulated FINANCE Balance Periodic Rate Fee Fin Charge CHARGES $105.07 $2.61 $0.00 $0.00 $2.61 $1,493.22 $37.08 $0.00 $0.00 $37.08 $39.69 29.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. State: -- zip? ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ---------- L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If //ou 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 vie have reported Inaccurate Information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid in full' or contains a similar notation, or thatyou otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.Q. 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 the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be, sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly Installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, vie will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Flnance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g... balance transiedconvenience checks and rash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and Its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each do,,, 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 n,,. ?h n;-e C-- aAA?A.;,", nn N,a'i". ni a -1-4 ervn-i- ?ke date 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 raters) applies, we add all of the daily periodic finance charges for all features. To datermine an average dally balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic, rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle.. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable, monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the data it is added to your daily balance until payment in full is received on your account. However, vie do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. However, if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer, the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. For "deferred interest' Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance Is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For "fixed payment" Qualifying Promotional Financing that permits you to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However, you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you thinkyour bill is wrong, or if you need more information about a transaction on your bill. write Cardmember Service on a separate sheet at P.Q. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information, • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goads or services thatyou purchased with a credit card (excluding purchases made with a chock), 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 540168304175536100044700001554880000005 46650 BEX Z 141306 0 NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 In?llln?lll??nl??l??l?ll?nllln?n?ll?llnll?u?lnllnl?l 1: 5000 L 60 281: 20930L, L 7 5 5 3 6 1211, Opening/Closing Date: 04/28/08 - 05/27/08 CUSTOMER SERVICE E O Pment Due Date: 06/16/08 1-800-945-2000 I CHAS inimum Payment Due: M $447.00 -888.446-3308 Espafiol 1 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD CARD SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,571.94 Total Credit Line $2,000 P.O. Box 15298 Payment, Credits -$93.00 Available Credit $445 Wilmington, DE 19850-5298 Purchases, Cash, Debits +$39.00 Cash Access Line $2,000 Finance Charges +$36.94 Available for Cash $0 PAYMENT ADDRESS New Balance $1,554.88 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.corn/creditcards 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. CHASE PERFECTCARD gEWARDS SUMMARY _ _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 05/11 11321320800004977904395 Payment - Thank You $93.00 05/18 LATE FEE 39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.07942% 28.99% $39.30 $0.94 $0.00 $0.00 $0.94 Cash advances V.07942% 28.99% $1,510.88 $36.00 $0.00 $0.00 $36.00 Total finance charges $36.94 Effective Annual Percentage Rate (APR): 28.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. State: -- ZIP ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -----------_ Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your acoount 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 aceount number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips. tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report . If you think we have reported inaccurate Information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment.. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your chock 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, orthatyou otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.D. Box 15049. Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance"). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed, The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close youraccount and to 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 transferlconveniance checks and rash advance checks ("check transaction"). purchases, balance transfers, cash advances, promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, 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 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 ..,,..hnino\ C- o.n n,+,6.4 n;rhnr - vho r - n+ o ro1-1 ..onoonrin„ tho torn 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 cally balance, we will use the daily periodic rate that applies for the average (a balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance: we add your daily balances and divide by the number of the days in the applicable billing cycle(s) If you multiply the average daily balance for each feature by the applicable daily periodic, rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle except for minor variations due to rounding. To getyour 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 rale 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 data it is added to your daily balance until payment in full is received on your account. However, vie 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 bit the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement.. you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date, However, if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer, the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. 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 data and time your payment is due. However. if your statement shows that a minimum payment is due, vie must receive at least that minimum payment by the date and time specified on your statement. even if your New Balance consists only of Qualifying Promotional Financing balances. For `deferred interest" Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For "fixed payment" Qualifying Promotional Financing that permits you to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However, you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information, • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from yoursavings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number 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 orservices thatyou purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home 540168304175536100054],00001632970000003 ' 14770 BEX Z 17906 0 NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 1: 5000 L P30 281: 209 30 L. I? 5 5 3 6 L 211• Opening/Closing Date: CHASE O Payment Due Date: Minimum Payment Due: MASTERCARD CARD SUMMARY CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 05/28/08 - 06127/08 CUSTOMER SERVICE 07117/08 In U.S. 1-800-945-2000 $541.00 Espahol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 Account Number: 5401 6830 4175 5361 Previous Balance $1,554.88 Total Credit Line $2,000 Purchases, Cash, Debits +$39.00 Available Credit $367 Finance Charges +$39.09 Cash Access Line $2,000 New Balance $1,632.97 Available for Cash $0 ACCOUNT INQUIRIES P.O. Box 15298 Wilmington, DE 19850-5298 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards 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. CHASE PERFECTCARD REWARDS SUMMARY _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06/17 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V .07942% 28.99% $54.31 $1.34 $0.00 $0.00 $1.34 Cash advances V.07942% 28.99% $1,533.12 $37.75 $0.00 $0.00 $37.75 Total finance charges $39.09 Effective Annual Percentage Rate (APR): 28.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. State: -- Z P; ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------------ Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m, local time at our post office box designated for 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 ou do not follow our payment instructions or if your payment is not sent 6y regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid in full' or contains a similar notation, orthat you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still awe any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account, If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transfer/convenience checks and rash advance checks ("check transaction"). purchases, balance transfers, cash advances, promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in Your Cardmember Agreement, as amended. To get the daily, balance for each do,,, 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 ore later date of nnr rh nirwl Coe. - added o11", - the dato M a rotated ?ran. +j- the date 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 hased 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 dally balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic, rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To getyour 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 duo 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, vie do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions. or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. However, if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer, the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement even if your New Balance consists only of Qualifying Promotional Financing balances. For "deferred interest" Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deterred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For "fixed payment" Qualifying Promotional Financing that permits you to pay fora purchase in a designated number of payments, you will not have a grace period for that balance as each payment Includes a portion of the interest owed over the repayment term for that purchase. However, you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more Information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Role for Credit Card Purchases: If you have a problem with the quality of goods orservices 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 540168304175536100063600001711670000003 00581 BEX Z 20908 D NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 1: 5000 160 281: 209 30L, 1? 5 5 3F3 1 21is CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Opening/Closing Date: 06/28108 - 07/27/08 CUSTOMER SERVICE Payment Due CHASE r i e S 1-800-945-2000 I inimum Paym nt Due: M $636.00 Espafi ol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD CARD SUMMARY Account Number: 5401 6830 4175 5361 Previous Balance $1,632.97 Total Credit Line $2,000 Purchases, Cash, Debits +$39.00 Available Credit $288 Finance Charges +$39.70 Cash Access Line $2,000 New Balance $1,711.67 Available for Cash $0 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. ACCOUNT INQUIRIES P.O. Box 15298 Wilmington, DE 19850-5298 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards CHASE PERFECTCARD REWARDS SUMMARY _ For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 07/17 LATE FEE $39.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fn Charge CHARGES Purchases V.07942% 28.99% $95.56 $2.28 $0.00 $0.00 $2.28 Cash advances V.07942% 28.99% $1,570.70 $37.42 $0.00 $0.00 $37.42 Total finance charges $39.70 Effective Annual Percentage Rate (APR): 28.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Remember to pay at least your minimum payment by the payment due date in order to avoid late fees. State: -- ZiP: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -----------_ L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.rn. 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 prooassing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid in full' or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P.O. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address. we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, vie 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 rash advance checks ('check transaction'). purchases, balance transfers, cash advances, promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card These calculations may combine different categories with the same daily periodic, rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and Its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily, balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date. the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of ..,,, nh ni.wl C... - -4A. A cifhe• - ih? clef. M a -kf d 4-.... ti- fhe A.. add these periodic finance charges to your dairy balance to get the beginning balance for the next day. (If more than one daily periodic, rate could apply based on the avenge daily balance, we will use the daily periodic rate that applies for the average daiN balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic, rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billingg cycle, except for minor variations due to rounding. To getyourtotal periodicfinance 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 data it is added to your daily balance until payment in full is received on your account. However, vie 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 timeyour payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions or overdraft advances In addition, if there is a "Qualifying Promotional Financing' section on this statement. you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. However, if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer, the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle In which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. For "deferred interest' Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from trilling cycle to billing cycle. If a deferred Interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date; the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For "fixed payment" Qualifying Promotional Financing that permits you to pay fora purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However, you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at PO. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserveyour rights. In your letter, give us the following information • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home 540168304175536100073500001793660000004 49793 BE; Z 24006 0 NICKIE M CRAMER 804 CORNWALL RD LEBANON PA 17042-7016 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 L 60 284 20930t. L 7 5 5 3 6 L 211' Opening/Closing Date: 07/28/08 - 08/27/08 CUSTOMER SERVICE ASE O Pament Due Date: 09/16/08 S 1-800-945-2000 I CH inimum Payment Due: M $735.00 Pafiol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD CARD SUMMARY Account Number: 5401 6830 4175 5361 ACCOUNT INQUIRIES Previous Balance $1,711.67 Total Credit Line $2,000 P.O. Box 15298 Purchases, Cash, Debits +$39.00 Available Credit $206 Wilmington, DE 19850-5298 Finance Charges +$42.99 Cash Access Line $2,000 New Balance $1,793.66 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at 1-888-792-7547 (collect 1-302-594-8200). CHASE PERFECTCARD REWARDS SUMMARY-- For questions about your account please call Previous balance $0.00 Cardmember Services at 1-800-945-2000. Rebates earned from purchases $0.00 Total remaining rebates $0.00 With PerfectCard, earn a 3% rebate on eligible gas purchases and a 1 % rebate on all other purchases. Rebates are automatically credited to your account. See Program terms for details. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 08/17 LATE FEE $39.00 FINANCE CHARGES Daily Periodic Rate Category 31 days in cycle Purchases V.07942% Cash advances V .07942% Total finance charges Finance Charge Corresp. Average Daily Due To APR Balance Periodic Rate 28.99% $136.91 $3.37 28.99% $1,609.20 $39.62 $42.99 Effective Annual Percentage Rate (APR): 28.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. I1„ 1111111111I1I1 1I,111111I111 11 1I1111I1 11II1 1111111II,1II811 Transaction Accumulated FINANCE Fee Rn Charge CHARGES $0.00 $0.00 $3.37 $0.00 $0.00 $39.62 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. State: -- Zrp: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ------- L Into notation About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number, Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon: and there ran 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.rn. local time at our post office box designated for payments on this statement, the will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If yyou do not follow our payment instructions or if your payment is not sent 6y regular U.S. mail to our post office box designated for payments crediting of your payment maybe delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors.. or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to its 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.D. 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 awe 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 ba 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 lea is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does rotaffertour rightsto close your account and to limityour 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/conveniance checks and rash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the Index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance., or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any now 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 n„r .h n{nn1 C- - oA AAA viO-nn the A- M -I -A fro n no ntinn thn Rafe 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 dairy periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average dally balance, we add your daily balances and divide by the number of the days in the applicable billing 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 getyour 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, vie 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 grape period for balance transfers, cash advances, check transactions, or overdraft advances In addition, if there is a "Qualifying Promotional Financing" section on this statement. you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance In full by the applicable Expiration Date. However, if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer, the applicable periodic finance charges will accrue on anyy Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the data and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. For "deferred interest" Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be. added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For "fixed payment" Ouallfying Promotional Financing that permits you to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However, you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent YOU the first bill on which the error or problem appeared. You can telephone us, but doing sowill not preserve your rights. In your letter, give us the following information • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home CHASE ,,,,r BILL OF SALE Chase Bank USA, N.A. (`Seller"), for value received and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated December 3, 2009 between Seller and Turtle Creek Assets, Ltd., by and through its general partner Forward Properties International, Inc. ("Purchaser"), its successors and assigns ("Credit Card Account Purchase Agreement"), herebv assigns ef'f`ective as of the File Creation Date of April 16, 2010 all rights, title and interest of Seiler in and to those certain receivables,,judgnients or evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes. Number of Accounts 25756 Total Unpaid Balances $1.20,000,114.36 Premium Due Seller Amounts due to Seller by Purchaser in hereunder shall be paid U.S. Dollars by a wire transfer to be received by Seller no later than April 22, 2010 (the "Closing Date") by 2:00 p.m. Seller's time, as follows:. Chase Bank USA, N.A. ABA #021000021 Beneficiary Name: Chase Bank USA, N.A. Beneficiary Account: 0304-255420 This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation ofr warranty of title or enforceability is expressed or implied. Chase Ban4,VSA, N.A. Turtle Creek By: By: Date: April 10, ? Date: Title Team Leader Title i z EXHIBIT EXHIBIT A BILL OF SALE Turtle Creek Assets, Ltd., by and through its general partner, Forward Properties International, Inc. ("Seller"), for value received and pursuant to the terms and conditions of the Credit Card Account Purchase Agreement between Seller and Bluestone Investments, Inc. ("Purchaser"), hereby sells, conveys, transfers and assigns to Purchaser, effective as of the File Creation Date of May 7, 2010, all rights, title and interest of Seller in and to those certain accounts, receivables, judgments or evidences of debt described in Exhibit l attached hereto and made part hereof for all purposes (the "Accounts"). Number of Accounts 793 Total Unpaid Balances $3,726,237.35 The Accounts sold hereby were purchased by Seller from CHASE BANK USA, N. A., a national banking association ("Original Creditor") as evidenced by the Bill of Sale from Original Creditor to Seller attached as Exhibit 2 hereto and made part hereof for all purposes. This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. Turtle Creek Assets, Ltd., a Texas limited partnership By: Forward PropWrti? s Intvdational, Inc., its general partner By: Gordon W le, President COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff VS. NICKIE CRAMER Defendant(s) No. 11-4355 Civil CIVIL ACTION CERTIFICATE OF SERVICE r °_ mco c_ cn ? a Na rz The undersigned certifies that a true and correct copy of Plaintiff's Complaint was served via first class mail, postage prepaid on June 7, 201 1 : Nickie Cramer 6961 Wertzville Road, Apt. 3 Enola PA 17025 AMATO AN E , P.C A Daniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 A DEBT COLLECTION LAW FIRM U C-0 It FO-OFFICE LAW OFFICES OF PETER J. RUSSO P.C.' _ . PROTNpNOTAR?` ATTORNEYS FOR DEFENDANT 5006 EAST TRUNDLE ROAD, SUITE 100 2011 JUL -7 FM 1: 5 I MECHANICSBURG, PA 17050 CUMBERLAND COUNTY (717) 591-1755 - PHONE PENNSYLVANIA (717) 591-1756 - FAX BLUESTONE INVESTMENTS INC, COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff DOCKET NO. 11-4355 V. NICKIE CRAMER CIVIL TERM Defendant NOTICE TO PLEAD TO: BLUESTONE INVESTMENTS, INC. c% Justin N. Davis, Esquire You are hereby notified to file a written a written response to the enclosed Defendant's Preliminary Objections within twenty (20) days from service hereof or a judgment may be entered against you. Res ll submitted, `AV?O TER J. RUSSO, P.C. Peter J. Russo, Esquire Attorney ID No. 72897 Elizabeth J. Saylor, Esquire Attorney ID No. 20013 5006 East Trindle Road, Suite 100. Mechanicsburg, PA 17050 f 717-591-1755 Date: -1IS1?1 LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANT 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717) 591-1755 - PHONE (717) 591-1756 - FAX BLUESTONE INVESTMENTS INC, Plaintiff V. . NICKIE CRAMER Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 11-4355 CIVIL TERM PRELIMINARY OBJECTIONS OF DEFENDANT NICKIE CRAMER AND NOW, COME Defendant, Nickie Cramer by and through her attorneys, Law Offices of Peter J. Russo; P.C., and file the within Preliminary Objections to Plaintiff's Complaint, and in support thereof, avers as follows: 1 2 On or about May 25, 2011, Plaintiff commenced an action against Defendant by filing a Complaint in the Court of Common Pleas of Cumberland County, Pennsylvania. Plaintiff's Complaint purports to set forth two cause of action against Defendant sounding in breach of contract and unjust enrichment. FAILURE OF A PLEADING TO CONFORM TO LAW OR RULE OF COURT and INSUFFICIENT SPECIFICITY IN A PLEADING - PA.R.C.P.1028 3. 4. Paragraphs 1- 2 are incorporated herein by reference as if fully set forth at length. Rule 1019 (h) and Rule 1019 (i) of Pennsylvania Rules of Civil Procedure requires that when any claim or defense is based upon an agreement and if the agreement is in writing, it must be attached to the pleading. 5. The allegations set forth in Plaintiff's Complaint assert that Defendant owes a sum specific of money to the Plaintiff, specifically $2,082.02. 6. Plaintiff does not attach "a true and correct copy of the total due and owing." 7. Plaintiff fails to attach the contract between the parties and is therefore in violation of the Rules of Civil Procedure. 8. In a credit card suit, a creditor must "attach the writings which assertedly establish [the creditor's] right to a judgment." Atlantic Credit and Finance. Inc. v. Giuliani, 2003 PA Super 259, 829 A.2d 340, 345 (2003). 9. The Plaintiff has failed to "attach the writings which assertedly establish [the creditor's] right to, a judgment. 10. Rule 1019 of the Pennsylvania Rules of Civil Procedure requires that a plaintiff shall (1) set forth the material facts upon which a cause of action is based and (2) attach the writings when a claim is based on a writing. 11. Whenever a claim involves one period of time in which the initial terms and conditions of the credit card agreement apply and other periods of time in which amended terms and conditions apply, the plaintiff must attach to the complaint both the original and amended terms and conditions with the dates on which they are applicable. Worldwide Asset Purchasing, LLC v. Stern, 153 P.L.J. 111 (2004). 12. A complaint in which a plaintiff seeks recovery of a specific amount of money that is allegedly due must include documentation or allegations supporting recovery of this amount sufficient documentation to permit a defendant to calculate the total amount of damages that are allegedly due by reading the documents attached to the complaint and the allegations in the complaint. Worldwide Asset Purchasing LLC v. Stern, 153 P.L.J. 111 (2004). 13. Plaintiffs Complaint is insufficiently specific because it does not meet the requirements of Pa. R.C.P. 1019(a) and (f). 14. Plaintiff avers that Defendants owes $2,082.02 for charges made under a credit agreement with a credit card yet does not attach anything showing such information. 15. Pa.R.C.P. 1019(f) states that "[a]verments of time, place and items of special damage shall be specifically stated." 16. Plaintiff has failed to comply with Pa.R.C.P. 1019(f). 17. Defendants believe therefore aver that the obligation Plaintiff seeks to collection has been assigned from the original creditor and Plaintiff has not attached an. a true and correct copy of said assignment. 18. Plaintiff failed to state specifically whether said alleged assignment was oral or written, in violation of Pennsylvania Rule of Civil Procedure 1019(h). 19. Plaintiff failed to attach the alleged assignment as to the Defendant's account to the complaint, in violation of Pennsylvania Rule of Civil Procedure 1019(i). 20. Demurrer is appropriate because Plaintiff is not a real party in interest in this matter, it lacks capacity to sue, pursuant to Pennsylvania Rule of Civil Procedure 2002(a), which requires that all actions shall be prosecuted by and in. the name of the real party in interest. 21. The complaint alleged that Defendant received, accepted, and used an account to the benefit and the account is in default and has an unpaid balance of $2,082.02; however, the complaint failed to state any claim upon which relief can be granted. 22. The complaint alleges unjust enrichment in favor of a third party unknown to the Defendant, therefore Plaintiff cannot sustain a claim of unjust enrichment and demurrer is appropriate. WHEREFORE, Defendants respectfully request that this Honorable Court SUSTAIN the Preliminary Objection and strike Plaintiff's Complaint. Respectfully sIbmittc& + so + R J. RUSSO, P.C. Peter J. Russo, Esquire Attorney ID No. 72897 Elizabeth J. Saylor, Esquire Attorney ID No. 20013 5006 East Trindle Road, Suite 100 Mechanicsburg, PA 17050 717-591-1755 Date: -7 ` C ? LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANT 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717) 591-1755 - PHONE (717) 591-1756 - FAX BLUESTONE INVESTMENTS INC, Plaintiff V. NICKIE CRAMER . Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 11-4355 CIVIL TERM CERTIFICATE OF SERVICE I hereby certify that I have on this day served a true and correct copy of Defendant's Preliminary Objections to Plaintiff's Complaint upon the following persons, in the manner indicated: FIRST CLASS MAIL Daniel A. Wechsier, Esq. Justin N. Davis, Esq. 107 North Commerce Way Bethlehem, PA 18017 THE LAW OFFICES OF PETER J. RUSSO, P.C. Attorneys for Defendant BY: i C9- Jn Ashley R. lcolm, Paralegal Date: -? '? COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. --; Plaintiff No. 11-4355 Civil zm ;r r` r- " vs. us i ? a ,-- a -+ra NICKIE CRAMER >-n = CIVIL ACTION °C © - C Defendant(s) v ? w PLAINTIFF'S RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS Plaintiff, by and through its counsel, Amato and Lessa, P.C. responds to Defendant's Preliminary Objections and in support thereof avers the following: 1. Admitted. 2. Admitted. 3. No response is required. 4. Denied. The Pennsylvania Rules of Civil Procedure are a document which speaks for itself. Any characterization to the contrary is strictly denied. 5. Admitted and denied. It is admitted that at the time of the filing of the Complaint the total amount due including interest was $2,082.02. That is not currently the amount due as interest has continued to accrue. It is also not the principal balance due on the account. 6. Denied. Plaintiff attaches as exhibit A to the Complaint a statement of account that does show the calculation of interest which, at the time, brought the total due and owing to $2,082.02. However, more relevantly, the Plaintiff attaches the charge off statement from the original creditor showing the full principal balance of $1,793.66, which Plaintiff avers to be owed. 7. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. 8. Denied. Plaintiff has attached documentation supporting its position that the principal balance due on this account is $1,793.66. 9. Denied. Plaintiff has attached documentation supporting its position that the principal balance due on this account is $1,793.66. Additionally, Plaintiff has attached documentation evidencing that they are the current holder of the account. 10. Denied. The Pennsylvania Rules of Civil Procedure are a document which speaks for itself. Any characterization to the contrary is strictly denied. 11. Denied. The case cited by Defendant is not controlling case law. Moreover, the only term that is relevant to this particular cause of action is the most basic term of repayment, which Defendant has clearly breached. However, to the extent that this Court believes Defendant needs the terms and conditions, the Plaintiff is currently in the process of obtaining additional documentation from the original creditor by way of subpoena. 12. Denied. It is denied that Plaintiff has not attached documentation that supports the balance that they are claiming is due. As stated earlier, Plaintiff has attached several credit card statements, including the charge-off statement that clearly states $1,793.66 is due. 13. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. 14. Denied. Plaintiff attaches not only a statement of account showing that exact amount but also, more importantly, attaches the charge-off statement from the original creditor showing the full principal balance of $1,793.66. 15. Denied. The Pennsylvania Rules of Civil Procedure are a document which speaks for itself. Any characterization to the contrary is strictly denied. 16. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. 17. Denied. It is correct that Plaintiff is not the original creditor and instead is the assignee of the original creditor. It is denied that Plaintiff has failed to attach documentation to back up that assertion. 18. Denied. The assignment documentation is attached to the Complaint. Therefore, it is obvious that it is written. 19. Denied. The assignment documentation is attached to the Complaint. 20. Denied. Plaintiff is the real party in interest as they are the assignee of the original creditor. Plaintiff does not lack the capacity to sue. 21. Denied. Plaintiff has set forth causes of action for Breach of Contract and, alternatively, for Unjust Enrichment. 22. Denied. As assignee of the original creditor the Plaintiff may set forth a cause of action for Unjust Enrichment as they stand in the shoes of the original creditor. If it is found by a trier of fact that a contract doesn't exist but that the Defendant did obtain credit from the original credit grantor than an award for Unjust Enrichment would be appropriate. WHEREFORE, Plaintiff requests that Defendants Preliminary Objections be overruled and the Defendant shall file a proper Answer pursuant to the Pennsylvania Rules of Civil Procedure. AMATO AND LESSA, P.C. By: anieI A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 Anthony J. Giaramita, Esq., Atty ID #205587 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff VS. NICKIE CRAMER Defendant(s) No. 11-4355 Civil CIVIL ACTION CERTIFICATE OF SERVICE The undersigned certifies that a true and correct copy of Plaintiff's Response to Defendant's Preliminary Objections was served via first class mail, postage prepaid on August 8, 201 1 : Peter J. Russo, Esq. 5006 E Trindle Rd. Ste. 100 Mechanicsburg, PA 17050 AMATO AN E? P.C A Daniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 A DEBT COLLECTION LAW FIRM CA /AL PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Argument Court.) CAPTION OF CASE (entire caption must be stated in full) BLUESTONE INVESTMENTS, INC. NICKIE CRAMER vs. (List the within matter for the ne r_-' C c> ------ ------- ------- ----------- "D c D C - rT -'Q T-tl ? C) D -t3 CD -n ?-- i;cz N C? ca No. 11-4355 CIVIL Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to coTVAbANT:'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT 2. Identify all counsel who will argue cases: (a) for plaintiffs: DANIEL WECHSLER OR JUSTIN DAVIS 107 NORTH COMMERCE WAY. BETHLEHEM PA 18017 (Name and Address) PETER J. RUSSO, ESQUIRE 5006 E. TRINDLE ROAD, SUITE 100, MECHANICSBURG PA (b) for defendants: 17050 (Name and Address) 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: FFRRTTARV W gni 9 Print your name PLAINTIFF Date: JANUARY 11, 2012 Attorney for INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. #14•75 A0 Ar~1 C*N a7W Pia&g826 DANIEL WECHSLER, ESQUIRE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff vs. NICKIE CRAMER No. 11-4355 Civil CIVIL ACTION Defendant(s) CERTIFICATE OF SERVICE The undersigned certifies that a true and correct copy of Plaintiffs Praecipe for Listing Case for Argument was served via first class mail, postage prepaid on ; JANUARY 11, 2012 Peter J. Russo, Esq. 5006 E. Trindle Rd. Ste. 100 Mechanicsburg, PA 17050 AMATO A E , P.C By: Daniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 A DEBT COLLECTION LAW FIRM BLUESTONE INVESTMENTS, INC. Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. NICKIE CRAMER, Defendant NO. 2011-,4355 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE GUIDO, MASLAND, PLACEY, JJ. ORDER OF COURT 7? Pte) ?°? .?_ MW M .. T C . tc% „ 3> .,. ?-, c AND NOW, this 7T" day of MARCH, 2012, Defendant's preliminary objections are SUSTAINED in part. The complaint does not adequately address the requirements of Pa. R.C.P. 1019 (i). Plaintiff is granted leave to supplement the record by filing a praecipe to have the documents attached to its brief be added as exhibits to the complaint. Defendant shall file an answer within twenty (20) days after said documents have been made part of the complaint. In all other respects Defendant's preliminary objections are OVERRULED. By th Edward E. Guido, J. DANIEL WECHSLER, ESQUIRE JUSTIN DAVIS, ESQUIRE PETER J. RUSSO, ESQUIRE s/ COURT ADMINISTRATOR sld ti jn? :lc .3/<- x4l r &,, • COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff No. 11-4355 Civil N ?m M__ vs. cn r- :v ? ?. NICKIE CRAMER CIVIL ACTION, te :ir ? rv . ?. R Defendant(s) PRAECIPE TO SUPPLEMENT EXHIBITS TO PLAINTIFF'S COMPLAINT TO THE PROTHONOTARY: Pursuant to the Court's Order of March 7, 2012, please supplement the Complaint by adding the documents that are attached hereto as Exhibit's A, B, and C of this praecipe and make them Exhibits D, E, and F of the Plaintiff's Complaint. AMATO LESSA, P.C. By: Daniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 David A. Lovejoy, Esq., Atty ID #19829 Paul F. Troisi, Esq., Atty ID #309511 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 r s COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff VS. NICKIE CRAMER Defendant(s) No. 11-4355 Civil CIVIL ACTION CERTIFICATE OF SERVICE The undersigned certifies that a true and correct copy of Plaintiffs Praecipe to Supplement Exhibits to Plaintiffs Complaint was served via first class mail, postage prepaid on March 21, 2012: Peter J. Russo, Esq. 5006 E. Trindle Rd. Ste. 100 Mechanicsburg, PA 17050 AMATO A E , P.C By: C ? ? ? Daniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 A DEBT COLLECTION LAW FIRM Cardmember Agreement ACCEPTANCE OF THIS AGREEMENT C MA t 2557 This agreement governs your creditcard account with 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 far 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 a ccount, as well as any fees or finance charges. If this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. Please sign the back of your credit 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 0 you don't sign your card. Whether you use your account or not, you will be bound by this agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughoutthis agreement, the words 'we, 'us' and'oue moan Chase Bank USA, N.A., the issuer of your credit card and account. The words 'you", 'your" and 'yours' mean all persons responsible forcomplying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any person who agreesto be liable on the account.The word'eard 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 should be used only for personal, family or household purposes. Unless we agree or d is required by law, we will not be responsible for merchandise or services purchased or leased through use of your account You promise to use your account only for valid and lawful transactions. For example, internet gambling maybe illegal in some places.It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even it it is not permissible. 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 refer to them inthis agreement as a check or checks. You may use a check to payfor 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 offer we make to you. We may treat checks thatwe call convenience checks as balance transfer checks. However, checks thatwe call convenience checks and thatwe indicated to you are subject to the terms for cash advances, may betreatad as cash advances and assessed cash advance rates endless. • Balance Transfers: You maytransferbalancesfromother accounts or loanswithother credit card issuers or other lenders to this account, or other balance tra nsfors we allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. ]to 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 c a sh-like charges; or to obta in lottery tickets, coal no 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 billths payment to this account • Overdraft Advances: It you have an eligible checlu'ng 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 order to manage your account, we divide time into periods called billing cycles', Each billing cycle is approximately one month in length. Foreach calendar month, your account will have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether or not there is a billing statement for that billing cycle. Authorized Users: If you allow someone to use your account, that person will be an authorized user. You 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 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 must notify us to terminate an authorized user's permission to use your account. If you notityus, we may close the account and/or issue a new card or cardswith 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 Uns: Your credit line appears on your billing statements. We may also refer to the credit line as a credit limit or spending limit. Your billing statement also may show that only a portion of your creditline maybe used for cash advances. Cash advances, including cash advance checks, are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit line. You are responsible for keeping track of your account balance, including any fees and finance charges, and Page I of 6 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 thatgo 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 over your credit line. At our discretion, we may increase, reduce, or cancel your credit line, or the cash advance portion of your credit line, at any time. However, if you have asked us not to do so, we will not increase your credit line. A change to your credit line will not affect your obligation to pay us. International Transactions: International transactions include any transaction that you make In a foreign currency or that you make outside of the United States of Americe 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 aach 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 rata may vary from the rate the respective entity itself receives), or the govammenl-mandated retain affect on the applicable processing date. The rate in effect on the applicable processing date may differ from the rate onthe date you used your card or account We reserve the rightto charge you anadditionat3Yo 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, bul are not roquired to, decline a transaction on your account for any of the following reasons: • because of operational considerations, • because your account is in default, • if we suspect fraudulent or unlawful activity or, • in our discretion, for any other reason. We are not responsible for any losses it a transaction on your account is declined for any reason, either by us or a third party, even it 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. Refosal to Pay Checks: Each checkyou write is your requestfor funds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but are not required to, reject and return unpaid a check for any reason, including the following examples: • We or one of our related companies is the payee on the check. • Your credit line or cash advance portion of your credit line has been exceeded, or would be exceeded it 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 data specified an it • You are in default or would be if we paid the check. Lost or Stolen Cards, Checks or Account Numbers: If any card, check, account number or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must notify us at once by calling the Cardmember Service telephone number shown an 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 it there is unauthorized use of your account from which you receive no benefit, but you will not be liable for more than $50.00 of such transactions, and you Will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. However, you must identify for usthe unauthorized charges from which you received no benefit We mayrequire you to provide us information in writing to help us find out what 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 debitthatwill be processed orhonored byyour financial institution. We will not accept cash payments. Your total available credit may not be restored for UP ID 15 days after we receive your payment Any payment check or other form of payment which you send to us for less than the full balance that is marked'paid in full" or with a similar notation or that you otherwise tender in full satisfaction of a disputed amount (conditional payments), must be sent to us atthe conditional payments address listed art your monthly statement. We reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute or if any such payment is received at any other address, we may accept the payment and you Will still owe any remaining balance, We may refuse to accept any such payment by returning it to you, not cashing it or by destroying it All other payments that you make should be sent to the regular payment address shown on your monthly statements. We reserve the right to electronically collect your eligible payment checks, at first presentment and any representment, from the bank account onwhich the check is drawn. Our receipt of your payment checks is your authorization for us to collect the amount of EXHIBIT 4 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 leastthe minimum payment due, as shown on your billing statement so that we recelve it by the date and time payment is due. You may pay more than the minimum payment due and may pay the full amount you owe as at any tme. It you have a balance that is subject to finance charges, the sooneryou pay us,the less you will payin finance charges becausefinance charges accrue on your balance each day. Your billing statement shows your beginning balance and your ending balance (the 'New Balance' on your billing statement). If the 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: 510.00; 2% of the New Balance; or the sum of 1% of the New Balance, total billed periodic rate fins ncs charges, and any billed late and ovarlimit teas. As part at 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 ih away that is most favorable to or convenient torus. For example, You authorize us to apply yourpayments and credits to balancoswith lower APRs (such as promotional APRs) before balances with higher APRs. CrrditBalancea: You may request a refund of a credit balance at anytime. We may reduce the amountof any credit balance by the amount of new charges or fees biped to your account Automatic Charges: You may authorize a third party to automatically charge your ac court for repeat trarise clions (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 numberchanges, you are responsible for notifying the biller and payingthase charges directly. If your account number changes, we may, but are not required to, pay from your new account number cha rges that you authorized to be billed to your old account number. Promotions: From time to time we may offer special terms for your account If we do,we will 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 ('APRs') and the corresponding daily periodic rates are listed on the Rates and Fees Table that is at the end of this document or provided separately. To get the daily periodic rate we divide the APR by 355, and in effect always round up at the fifth place to the right of the decimal point. Variable Rates: One or more APRs that applyioyouraccountmayvarywith 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 SheetJournaltwo business days before the Closing Date shown on your billing statement The "Prime Rate' is the highest JIl•$.) Prime Rate published in the Money Rates section of The Wall Streit Journal. If The Wall Street Jouma(stopa publishing the Prime Rate,we will select a similar reference rate and inform you on your billing statement or through a separate notice. A'msrgir is the percentage we add to the Prime Rate to calculate the APR. A business day' is any day that is not a weekend or federal holiday. The Rates and Fees Table shows which rates, it 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 whatiho Prime Rate is. We then add the applicable margin to that Prime Rate to get the APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation. If the 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 payment to us that is not honored by your bank. • To the extant allowed bylaw, it, atanytime afteryour accountis closed,wo demand immediate payment of your outstanding balance and we do not receive payment Within the time we specify. If any of these events oceurs, we may increase the APRs (including any promotional APR) on ell balances lexcluding overdraft advances) up to a maximum ofthe default rate stated in the Rates and Foos Table. We may considarthe following factors to determine your default rate: the length of time your account has been open, the existence, seriousness and timing of the defaults on your account; other indications otyour account usage and performance; information about your other relationships with us Dr 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 .he first day of the billing cycle in which the defauhaccurs, and will appyto purchase balances tram the previous billing cycle for which periodic finance charges have not been already billed. If we decide not to increase your APR even though there is a default or it we do not increase your APR up to the maximum default rate stated in the Rates and Fees Table, we reserve our right to increase your APR in the event of any luture default. We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances on your account. Flnenca Charge Calculation -Two•Cycls Average Daily Balance Method (including New Prrchases) for Purchases and Average Daily Balance Method flacludi ag New Transactions) for Other Transactions: We calculate periodic finance charges separately for each balance associated with a different category of transactions Ifor 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 the periodic finance charges for purchases in two steps, as follows: • First, for each day of the billing cycle, we muftiply the daily balance by the daily periodic rate. • Second, for each day of the previous billing cycle we multiply the daily balance for purchases made in that billing cycle by the some daily periodic rate. However, we do not do this second step if we received payment in full al the New Balance on your previous billing statement by the date and time the minimum paymentwas due or if a periodic finance charge was already billed an that balance. We calculate the periodic finance charges for purchases subject to a promotional rate the some way, butwe use the promotional rate, We calculate periodic finance charges for 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 mayhave overdraft advances only it you have linked this accountto a checking accountwith one of our related banks. We calculate the periodic finance charges for balance transfers, balance transfer checks, cash advances, and cash advance checks subject to a promotional rate the same way, but we use the promotional rate. To gat 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 aroverdrah 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 dairy balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice. • We subtract from that balance any payments, credits, or credit adjustments that apply to that category and that are credited as of that day. • We treat a credit balance as a balance at zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance. If more than one daily periodic rate could applyto a category because the rate for the category may vary based on the amountof its average dailybalance, 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, plus the daily periodic finance charges on purchases, it any apply, for the previous billing cycle. However, if any periodic finance charge is due, we will charge you at I ast 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 tee finance charges. For each category we calculate an average daily balance (including new Iransactionsl for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If a periodic finance charge for purchases made during the previous billing cycle applies, the average daily balance for those purchases is calculated the same way. If you multiply the average daily balance for a category by that category's daily periodic rate, and multiply the resultbythe number of days in the billing cycle, the total will equal the periodic finance charges for that balance attributable to that billing cycle, except for minor variations due to rounding. Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transaction,feo, or finance charge from the date iris added toyour 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 dwe receive payment of your New Balance by the data 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 Fuss for Cash Advances: We may charge you a cash advance fee in the amountstatod in the Rates and Fees Table foreach of the following transactions: • cash advance checks; • cash advanc as, Page 2 of 6 CMA12557 In addition, if you use a third party service to make a payment on your behalf and the servira charges the payment to this account, we may charge a transaction fee for the payment. Thesetransaction fees are finance charges. We add the fee to the balance (or the related category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would be added layout cash advance balance. Transaction Fees for Balonea Transfers: We may charge you a balance transfer fee in the amount stated in the Rates and Fees Table for each of the following transactions, • balance transfer checks; • 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 examplo, a transaction lee 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 feeswill be added to the bale nce for purchases made during the billing cycle. Annual Membership Fee: If your account has an annual membership tee, it will be billed each year or in monthly installments (as stated in the Rates and Fees Table), whether or not you use your account, and you agree to pay it when billed. The annual membership fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your billing statement on which the annual membership fee is charged and atthe same time, you pay your outstanding balance in lull. 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 foe until you pay your outstanding balance in full and terminate your account relationship, Late Fee: if we do rat receive at least the required minimum payment by the date and time it is due as shown on your billing statement for any billing cycle, we may charge the late fee shown in the Rates and Fees Table. It the late fee is based on a balance, we calculate the late fee using the Previous Balance on the current month's statement that shows the late fee. This balance is the same as the New Balance shown on the prior month's statement for which we did not receive at least the required minimum payment by the date and time it was due. Ovedimit Foe: It your account balance is over your credit line at anytime during a billing cycle, even if only for a day, we may charge an ovedimit fee. We may charge this fee even if your balance is over the creditline because of a finance charge orfee we imposed or a transaction we authorized. We will not charge more than one oveHrmitfae far any billing cycle. But we may charge an ovorlimit fee in subsequent billing cycles, even if no new transactions are made on your account, if your account balance still is over your credit line at any time during the subsequent billing cycles. Return Payment Fee: If la) 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 lee. Return Check Fee: It (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 Fees: If you request a copy of a billing statement, sales draft or other record of your account or if you request two or more cards or any special services (for example, obtaining cards on an expedited basis), we may charge you for these services. However, we will not charge you for copies of billing statements, sales drafts or similar documents that you request fora billing dispute you may assert againstus under applicable law. We may charge, for any services listed above and other services we provide, the fees from time to time in effect when we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: • We do not receive at leastthe 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, it 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. It you call us to close your account, we may require thatyou confirmyour request in writing. We may close your account at anytime 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 end 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 it they are made or processed after your account is closed and you will Page 3 of 6 CMA12557 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 lime after your account is closed. ARBIMATION 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 BEABLE 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 INA COURT, BEFORE A JUDGE ORJURY, AND/ORTO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED. FXCEPTAS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuaritto a transaction involving interstate commerce, and shall be governed by and be enforceable under the Federal Arbitration Act (the'FAA'), 9 U.S.C. 51-16 as it maybe amended. This Arbitration Agreement sets forth the circumstances and procedures under which claims (as defined below) may be resolved by arbitration instead of being litigated in court. Parties Covered. For the purposes of this Arbitration Agreement, %ve ,'us , a nd'our' also includes our parent, subsidies ties, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and allofthem.Additionally, 'we",'ua and'oueshall include any third parry providing benefits, services, orproducts in connection with the Account (including but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, deblcollectors, and all of their officers, directors, employees, agents and representatives) it, and only if, such a third party is named by you as a co-defendant in any Claim you assert against us. Claims Covered. Either you or we may. without the other's consent, elect mandatory, binding arbitration of any claim. dispute or controversy by either you or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, any prior Cardmember Agreemont,your credit card Account orthe advertising, application or approval of your Account ('Claim'1- 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 otherlagal or equitable ground and whethersuchClaims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject to thisArbitration Agreement include Claims regardingthe applicability of this Arbitration Agreement or the validity of the entire Cardmember Agreement or any prior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the term Claim is to be given the broadest passible meaning. Claims subjectto arbitration include Claims that are made as counterclaims, cross claims, third party claims, interpleaders or otherwise, and a partywho Initiates a proceeding in court may elect arbitration with respect to any such Claims acvanced 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'sjurisdictionand proceedson an individual basis. It Its partyalectsto arbitrate a Claim,the arbitration will be conducted as an individual action. Neither you nor we agree to only arbitration or a class or representative basis, and the arbitrator shall have no authorityto proceed on such basis. This means that even if a class action lawsuk or other representative action, such as that in the form of a private anornsygeneral 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 all parties. The only Claims that may be joined in an individual action under this Arbitration Agreement are (1) those brought by us against you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy or (2) those brought by you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs oryour trustee in bankruptcy against us. initiation of Arbitration. The party liling a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are independent from us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third parry 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 contactingthe arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, floor 10, New York, NY 10017-4605, Web site: www.adr.org, 800.778-7879; or National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site: www.arbitration-forum.com, 800-474-2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims.The arbitrator will either be a lawyer with at leastten years experience or a retired or former judge. The arbitrationwill be conducted under the applicable procedures and rules of the arbhration administrator that are in effector, the date the arbitration is filed unless those procedures and rules are inconsistent with this Arbitration Agreement, in which case this Agreement will prevail, These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel. The arbitrator will take reasonable steps to protect customer Account information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. The arbitrator will have the power to award to a parry 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 byyou up to the amount of 5500 upon receipt of proof of payment. Additionally, if there is a hearing, .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 other fees 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 lees if the arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask us and we determine there is goad cause tar doing so. Each parrywill bearthe expense of the fees and costs of that parry's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, tot arbitration and any appeal (as permitted below). except that the arbitrator shall apply any applicable law in determining whether a party should recover any or all fees and costs Irom another party. Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration Agreementat any time, 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 binding on the parties, unless a party appeals in writing to the arbitration organization within 30 days of issuance of the award. The appeal must request anew arbitration before a panel of three neutral arbitrators designated by the same arbitration organization. The panel will reconsider all factual and legal issues anew, follow the same rules that applyto 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 expensesforany appeal, but a party may recover any or allfees, colts 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. Soverability, survival. This Arbitration Agreement shall survive: (i) termination or changes in the Cardmember Agreement,the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or the transferring of the balance In the Account to another account, (ii) the bankruptcy of any parry or any similar proceeding initiated by you or on your behalf; and (iii) payment of the debt in full by you or by is third party. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change this agreement at any time, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this agreement. Modifications, additions, or deletions are called 'Changes" 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 law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exorcise those rights. For example, the notice may state that you may notify us in writing by a specified date if you do not want to accept certain Changes we are making. If you notify us in writing that you do not accept the Changes, your accountmaybe closed jif it is not already closed) and you will be obligated to payyour outstanding balance under the applicable terms of the agreement. If you do not notify us to writing bythe 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 confine 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 c redit bureaus, including your failure to pay us on time. If you request additional cards an 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 requestthey correct the report. lf 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 lot us know that you no longer dispute the information. NOTICESICHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our tiles 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, accept mailing address corrections from the United States Postal Service. We may contact you about your 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 your telephone callswith us. You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information aboutyou and your account within our family of companies, and with others outside ourfamily of companies including any company or organization whose name or mark may appearonthe 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 orgarutationswithin and outside of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information aboutyou with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law Isuch as sharing information to process your transactions or in response to a subpoena). You hereby agree that, if you choose notto exercise the applicable opt out described in our Privacy Policy, you will be doomed 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 ourfamily of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights under this agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations under this agreement to a third party. The person to wham we make the assignmentwill be entltledto any of our rightsthat we assign to that person. GOVERNING LAW THETERMSANDENFORCEMENT OFTHISAGREEMENT ANDYOURACCOUNTSHALL BE GOVERNED AND INTERPRETED IN ACCO RDANCE W ITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF CELAWARE, WITHOUT REGARD TO CDNFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions aboutyour account ort.his agreement YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains importantinformabon about your rights end our responsibilities under the Fair Credit Billing Act. Notify Us In Case Of Errors or Duesdons About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bil ite us on a separate sheet atthe Cardmember Service address shown on your billing statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights, In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to payyour credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Guy Responsibilities After We Receive Your Written Notice Page 4 of 6 CMA12557 We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount 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 ihatwemade a mistake on your bill, you will nothave to pay anyfinance 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 data that it is due. If you tail to pay the amount that we think you owe, we may report you as delinquent However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50.00 of the questioned amount even if your bill was correct. Special Rules for Credit Card Purchases if you have a problem with the quality of pro party or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. This right does not a poly to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50.00. These limitations do not apply two own or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright 52006 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA12557 RAM AND FEES TABLE (This table may also be referred to as the Tab Ia of Interest Charges) e _._. raos ,......? e.-A P-0.ne Rerel Introductory APR 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% (D.06368% daily periodic ratel Balance Transfer/Balance Transfer Check APR after the Introductory Period The Prime Rate' plus 14.99%, currently 23.24% (0.06368% daily periodic rate) Cash Advance/Cash Advance Check APR The Prime Rate` plus 15.99%, currently 24.24% (0.06641 % 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 July 19, ztltlti. a Pi...- rh.m 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 510.00) Balance Transfer Fee •- Finance Charge 3% of transaction (minimum fee of $SAO and maximum of$75.00) Balance Transfer Check Fee -- Finance Charge 3% of transaction (minimum fee of 55.00 and maximum of S75.00) Minimum Periodic Finance Charge $1.00 (If any periodic finance charge is payable for a billing cycle) Annual Membership Fee None Late Fees: 515.00 if the balance is up to, but not including $250.00; S39.D0 if the balance is 5250.00 and over Overl imit Fes $35.00 Return Payment Fos 535.00 Return Check Fes 535.00 Administrative Fees: Copy of Billing Statement or other record $5.00 Page 5 of 6 CMA12557 r s! o? u CD °' a` ti a A LO O CL c a d ?gg . e 3 g p 8 '` cD u ` 0) CJ N C U Z Os •• d N 2 w o U y _ L Z & E t ?+ w 0 Vn Q v 3 a s ?s N o: a ?o a o a o °n z O m U c cm j; c `?• N D N d E"t D 7 `o a;it E m° L F... 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L4 -tn M cr N n LA M N ri LA M In ri Q1 -It e-i -* N N m d m m w o O Ln rn O O N m (D O H O O -:r Co 00 M 0) M n LD O d' D1 H H M O M O O N d' O W a--1 o n v O N Lo a m m .-I N 1^4 O M O O O O W Ln .*O O N m H w m H H M H H ,-L o Ln rnooar+r-looor+oo tD M a-i s-1 O M M ?"? m N M M n O I-zt N M LD m ct w r-I m w a0 rl w m Nr n LD O LD w r-I LD n LD tD O r-I N H W H LD lD r-I 0 tD LD rn m N 0 0 0 LA V O M M N '? r N if q N N. A q [t Ln 0 0 Ln Ln Q It LA 00 LD M LT n w LD N tD n O Oi O O D? O O m O O O N •\-i eta A N O N LSD O LSD n w N O N N O N N e l -4 N e\-1 N N w 4 `-I N LSD \-1 Ln n rl 0 0 0 -I O r'I O O o 0 LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANT 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717) 591-1755 -PHONE (717) 591-1756 - FAX BLUESTONE INVESTMENTS INC, Plaintiff V. NICKIE CRAMER Defendant OTAi , t: 414 ND couta l t?Y'i S'i LVA Il I A COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 11-4355 CIVIL TERM NOTICE TO PLEAD TO: BLUESTONE INVESTMENTS, INC. c/o Amato and Lessa, P.C. Paul F. Triosi, Esq. 107 North Commerce Way Bethlehem, PA 18017 You are hereby notified to file a written a written response to the enclosed Defendant's Answer and New Matter within twenty (20) days from service hereof or a judgment may be entered against you. LAW O? CE?OF PETER J. RUSSO, P.C. q Attorney ID No. 72897 5006 East Trindle Road, Suite 100 Mechanicsburg, PA 17050 717-591-1755 Respe u11y submitted, Peter J. Russo Es ire Date: Monday, April 02, 2012 LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANT 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717) 591-1755 - PHONE (717) 591-1756 - FAX BLUESTONE INVESTMENTS INC, Plaintiff V. NICKIE CRAMER Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 11-4355 CIVIL TERM ANSWER and NEW MATTER OF DEFENDANT NICKIE CRAMER AND NOW, COME Defendant, Nickie Cramer by and through her attorneys, Law Offices of Peter J. Russo, P.C., and files the within Answer and New Matter to Plaintiff's Complaint, and in support thereof, avers as follows: 1. Admitted. Based upon information and belief, Defendant admits the averments contained in Paragraph 1. 2. Admitted. As of the date the complaint was filed, Defendant admits the averments contained in Paragraph 2. 3. Denied. Defendant never requested a MasterCard credit card by Chase Bank USA, N.A. or any of its of predecessors in interest. Defendant has represented to Plaintiff that a request was fraudulently made using her name and personal information. Defendant has even filed a police report in connection with the aforementioned fraud. Strict proof is demanded at the time of trial. 4. Denied. Defendant was never in possession of a MasterCard credit card issued by Chase Bank USA, N.A. or any of its of predecessors in interest therefore is could never have been received or accepted by Defendant. As stated supra, Defendant has represented to Plaintiff that a request was fraudulently made using her name and personal information. Defendant has even filed a police report in connection with the aforementioned fraud. Strict proof is demanded at the time of trial. 5. Denied. As Defendant has never requested a credit card from nor was Defendant ever in possession of a MasterCard credit card issued by Chase Bank USA, N.A. or any of its of predecessors in interest, it is therefore impossible for the Defendant to have made various purchases, cash advances and/or balance transfers with said credit card. By way of further response, as stated supra, Defendant has represented to Plaintiff that a request was fraudulently made using her name and personal information. Defendant has even filed a police report in connection with the aforementioned fraud. Additionally, Plaintiff attaches credit card statements to the Complaint which Plaintiff purports to show Defendant's use of the credit card. It should be noted that within the 36 pages of credit card statements attached to the Complaint, there is not a single purchase which is documented, nor is there a single cash advance that is documented, nor is there a single balance transfer that is documented. Finally, Plaintiff refers to written documents which speak for themselves and any interpretational gloss placed thereon by the Plaintiff is strictly denied. Strict proof is demanded at the time of trial. 6. Denied. The averments contained in paragraph 6 of Plaintiff s Complaint are conclusions of law to which no response is required. Additionally, Plaintiff refers to written documents which speak for themselves and any interpretational gloss placed thereon by the Plaintiff is strictly denied. Strict proof is demanded at the time of trial. 7. Denied. The averments contained in paragraph 7 of Plaintiff's Complaint are conclusions of law to which no response is required. Additionally, Plaintiff refers to written documents which speak for themselves and any interpretational gloss placed thereon by the Plaintiff is strictly denied. Strict proof is demanded at the time of trial. 8. Denied. While the averments contained in paragraph 8 of Plaintiff's Complaint are conclusions of law to which no response is required, Defendant never requested a credit card from nor was Defendant ever in possession of a MasterCard credit card issued by Chase Bank USA, N.A. or any of its of predecessors in interest. Plaintiff has failed to document a single purchase, cash advance and/or balance transfer within the 36 pages of exhibits attached to its Complaint. Defendant has represented to Plaintiff that a request was fraudulently made using her name and personal information and has filed a police report in connection with the aforementioned fraud. There is no contract between Plaintiff and Defendant, therefore Defendant could not have breached a non-existent contract. Finally, Plaintiff refers to written documents which speak for themselves and any interpretational gloss placed thereon by the Plaintiff is strictly denied. Strict proof is demanded at the time of trial. 9. Denied. While the averments contained in paragraph 9 of Plaintiff's Complaint are conclusions of law to which no response is required, Defendant incorporates its responses from paragraphs 1 - 8 as though they were set forth in their entirety herein. By way of further response, Plaintiff has failed to provide Defendant with the necessary documents to determine if the balance due is truly $1,793.66 after "allowances for all proper credits for payments and/or adjustments." 10. Denied. While the averments contained in paragraph 10 of Plaintiffs Complaint are conclusions of law to which no response is required, Defendant never requested a credit card from nor was Defendant ever in possession of a MasterCard credit card issued by Chase Bank USA, N.A. or any of its of predecessors in interest. Plaintiff has failed to document a single purchase, cash advance and/or balance transfer within the 36 pages of exhibits attached to its Complaint. Defendant has represented to Plaintiff that a request was fraudulently made using her name and personal information and has filed a police report in connection with the aforementioned fraud. There is no contract between Plaintiff and Defendant, therefore Plaintiff is not entitled to "the agreed interest rate of 6.00% per annum." Finally, Plaintiff refers to written documents which speak for themselves and any interpretational gloss placed thereon by the Plaintiff is strictly denied. Strict proof is demanded at the time of trial. 11. Denied. While the averments contained in paragraph 11 of Plaintiff s Complaint are conclusions of law to which no response is required, Defendant never requested a credit card from nor was Defendant ever in possession of a MasterCard credit card issued by Chase Bank USA, N.A. or any of its of predecessors in interest. Plaintiff has failed to document a single purchase, cash advance and/or balance transfer within the 36 pages of exhibits attached to its Complaint. Defendant has represented to Plaintiff that a request was fraudulently made using her name and personal information and has filed a police report in connection with the aforementioned fraud. There is no contract between Plaintiff and Defendant, therefore Plaintiff is not entitled to "the agreed interest rate of 6.00% per annum." Finally, Plaintiff refers to written documents which speak for themselves and any interpretational gloss placed thereon by the Plaintiff is strictly denied. Strict proof is demanded at the time of trial. 12. Denied. While the averments contained in paragraph 12 of Plaintiff's Complaint are conclusions of law to which no response is required, Defendant never requested a credit card from nor was Defendant ever in possession of a MasterCard credit card issued by Chase Bank USA, N.A. or any of its of predecessors in interest. Plaintiff has failed to document a single purchase, cash advance and/or balance transfer within the 36 pages of exhibits attached to its Complaint. Defendant has represented to Plaintiff that a request was fraudulently made using her name and personal information and has filed a police report in connection with the aforementioned fraud. There is no contract between Plaintiff and Defendant, therefore Plaintiff is not entitled to "the agreed interest rate of 6.00% per annum." Finally. Plaintiff refers to written documents which speak for themselves and any interpretational gloss placed thereon by the Plaintiff is strictly denied. Strict proof is demanded at the time of trial. WHEREFORE, Defendant respectfully request that this Honorable Court enter judgment in favor of the Defendant. NEW MATTER 13. Defendant incorporates her answers in paragraphs 1 through 12 herein by reference. 14. Plaintiff has failed to set a claim upon which relief may be granted. 15. Plaintiff has failed to join an indispensable party. 16. Plaintiff has failed to mitigate their damages, if any. 17. Plaintiff's claim for recoverable damages is contrary to the law of the Commonwealth of Pennsylvania. 18. Plaintiff may be barred in whole or in part by the applicable Statute of Limitations. 19. Plaintiff may be barred in whole or in part by the principle of res judicata. 20. Plaintiff's claim(s) may be barred by the doctrine of estoppel, waiver and/or laches. 21. Any injuries and/or damages claimed by the Plaintiff, if proven, were caused by persons other than Answering Defendant and not within the control of Answering Defendant. 22. At all material times hereto Answering Defendant acted reasonably, appropriately and caused no injuries or damage to Plaintiff. 23. Any harm suffered by the Plaintiff arose out of his own non-performance of the essential obligations by the Plaintiff. Respectfully submitted OF PRT*iJ. RUSSO, P.C. Peter usso, Esquire Attorney ID No. 72897 5006 East Trindle Road, Suite 100 Mechanicsburg, PA 17050 717-591-1755 Date: Monday, April 02, 2012 LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANT 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717) 591-1755 - PHONE (717) 591-1756 - FAX BLUESTONE INVESTMENTS INC, Plaintiff V. NICKIE CRAMER Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 11-4355 CIVIL TERM VERIFICATION I, NICKIE CRAMER, verify that the statements made in the forgoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C. S. § 4904 relating to unsworn falsification to authorities. ICKIE CRAMER Dated: ?j' LAW OFFICES OF PETER J. RUSSO, P.C. ATTORNEYS FOR DEFENDANT 5006 EAST TRINDLE ROAD, SUITE 100 MECHANICSBURG, PA 17050 (717) 591-1755 - PHONE (717) 591-1756 - FAX BLUESTONE INVESTMENTS INC, Plaintiff V. NICKIE CRAMER Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 11-4355 CIVIL TERM CERTIFICATE OF SERVICE I hereby certify that I have on this day served a true and correct copy of Defendant's Answer and New Matter to Plaintiff' s• Complaint upon the following persons, in the manner indicated: FIRST CLASS MAIL Amato and Lessa, P.C. Paul F. Triosi, Esq. 107 North Commerce Way Bethlehem, PA 18017 THE LAW OFFICES OF PETER J. RUSSO, P.C. Attorneys for Defendant BY: a&" Z . Ashley R. lcolm, Paralegal Date: Monday, April 02, 2012 t s f COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff No. 11-4355 Civil r"rn VS. ? -4z NICKIE CRAMER CIVIL ACTION Defendant(s) PLAINTIFF'S REPLY TO NEW MATTER r' ,., C C:D Plaintiff, by and through counsel, Amato & Lessa, P.C., files the within Reply to New Matter of Defendant(s), and in support thereof avers as follows: 13. No response is required. 14. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. 15. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. 16. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. 17. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. 18. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. 19. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. 20. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. 21. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. 22. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. r 23. Denied. This averment constitutes a conclusion of law to which no response is required under the Pennsylvania Rules of Civil Procedure. Without waiving the foregoing and to the extent a further response may be required, this averment is specifically denied and strict proof thereof is demanded at trial, if relevant. WHEREFORE, Plaintiff requests that this Honorable Court enter judgment in favor of Plaintiff and against Defendant in accordance with the prayer for relief set forth in Plaintiffs Complaint. AMATO AND LESSA, P.C. By: Daniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 David A. Lovejoy, Esq., Atty ID #19829 Paul F. Troisi, Esq., Atty ID #309511 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff No. 11-4355 Civil VS. NICKIE CRAMER Defendant(s) : CIVIL ACTION CERTIFICATE OF SERVICE The undersigned certifies that a true and correct copy of Plaintiffs Reply to New Matter was served via first class mail, postage prepaid on April 9, 2012: Peter J. Russo, Esq. 5006 E. Trindle Rd. Ste. 100 Mechanicsburg, PA 17050 AMATO C. By: Daniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 David A. Lovejoy, Esq., Atty ID #19829 Paul F. Troisi, Esq., Atty ID #309511 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW BLUESTONE INVESTMENTS, INC. Plaintiff No. 11-4355 Civil VS. NICKIE CRAMER CIVIL ACTION CD -1 -� Defendant(s) = --a ' Cn ° PRAECIPE TO DISCONTINUE WITH PREJUDICE S -v CD TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please discontinue the above-captioned case WITH prejudice. AMATO AND LESSA, P.C. By: aniel A. Wechsler, Esq., Atty ID #203922 Justin N. Davis, Esq., Atty ID #84464 David A. Lovejoy, Esq., Atty ID #19829 Paul F. Troisi, Esq., Atty ID #309511 Attorneys for Plaintiff 107 North Commerce Way Bethlehem, PA 18017 (610) 866-0400 A DEBT COLLECTION LAW FIRM