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Home My WebLink About12-0067IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PLAINTIFF ABILITY RECOVERY SERVICES, LLC P.O. BOX 4031 WYOMING, PA 18644 vs. DEFENDANT BROOKE RHODES 623 HILLTOP DRIVE NEW CUMERLAND, PA 17070 NO.: 12-67-CV COMPLAINT AND NOTICE TO DEFEND ro -? rnco =M a? ?Q Y C hJ cr N 0'% -c? N You have been sued in court. If you wish to defend against the claims set forth in the r*1 -C rn 7=c-J o? o --ri =F3 orn --d following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or obligations to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Court Administrator 4th floor, Cumberland County Courthouse Carlisle, PA 17013 717-240-6200 ABILITY RECOVERY SERVICES, LLC P.O. BOX 4031 WYOMING, PA 18644 PLAINTIFF vs. BROOKE RHODES 623 HILL. IC?P DRIVE. NEW CUMBERLAND, PA 17070 DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL DIVISION DOCKET NO.: 12-67-CV COMPLAINT NOW COMES, the Plaintiff by and through its AttorneN,, James T. Mulligan.. Jr., Esquire and herebN complains as follows: 1. Th,-- Plaintiff is ABILITY RECOVERY SERVICES, LLC, a Pennsylvania Limited Liability Company with a mailing address located at P.O. Box 4031, Wyoming. Luzerne County, Pennsylvania and offices located at 921 Oak Street, Scranton. Lackawanna County. Pennsylvania. 2. The Defendant is Brooke Rhodes, an adult individual, who currently resides at 623 Hilltop Drive, in New Cumberland, Cumberland County, Pennsylvania, 17070. COUNT I - CONTRACT 3. Defendant applied for and received a credit card with CHASE, USA NA bearing the account number (4388576020624196), on or about July 28, 2006. 4. Defendant made use of said credit card, thus accepting the offer of credit, and has a current balance due of Eight Thousand Two Hundred Twenty Two Dollars and Eighty Cents ($8,222.80) as of January 20, 2012. See Cardmember Agreement, the writing governing the terms of the extension of credit, attached as Exhibit "A" and monthly statements, collectively attached as Exhibit "B". 5. Defendant is in default of aforesaid Agreement, as of May 22, 2009, by failing to make required monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff, pursuant to said agreement. 6. Plaintiff purchased the Defendant's debt on April 21, 2011. See Plaintiff's Bill of Sale and Chain. of title, collectively attached as Exhibit "C'". 7. Plaintiff is entitled to the addition of interest pursuant to Exhibit "A", at the conservative rate of 19.99% per annum on the unpaid balance as pre judgment interest from the date of default of May 29, 2009, up to the date of judgment. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff, thus damaging Plaintiff. Wherefore, the Plaintiff, ABILITY RECOVERY SERVICES, LLC, prays for judgment in its favor and against Defendant, Brooke Rhodes, individually, in the amount of $8,222.80, with continuing pre judgment interest thereon at the rate of 19.99% per annum from January 20, 2012 up to date of judgment, plus subsequent 6% interest on the judgment obtained, plus costs. COUNT II - ACCOUNT STATED 9. Paragraphs 1-8 are incorporated herein. 10. Defendant received aforesaid monthly statements, and did not timely dispute the charges therein. 11. Defendant made partial payments on the balances then due. 12. Tie account stated was impliedly accepted by Defendant. Wherefore, the Plaintiff, ABILITY RECOVERY SERVICES, LLC, prays for judgment in its favor and against Defendant, Brooke Rhodes, individually, in the amount of $8,222.80, with continuing pre judgment interest thereon at the rate of 19.99% per annum from January 20, 2012 up to date of judgment, plus subsequent 6% interest on the judgment obtained, plus costs. COUNT III - UNJUST ENRICHMENT 13. Paragraphs 1-12 are incorporated by reference. 14. Alternatively, monetary benefits, with which Defendant purchased goods and services, have been conferred on Defendant, as stated herein. 15. Defendant has appreciated said benefits, as stated herein. 16. The acceptance and retention of such benefits under these circumstances by Defendant would be inequitable without the payment of value for same. Wherefore, the Plaintiff, ABILITY RECOVERY SERVICES, LLC, prays for judgment in its favor and against Defendant, Brooke Rhodes, individually, in the amount of the reasonable value of benefits conferred, to be determined, plus interest, plus costs. Dated:__ 2??V'41 ' 1 ames T. Mulligan, Jr., Esquire PA I.D # 51794 P.O. Box 4031 Wyoming, PA 18644 (866) 760-6205 ext. 235 In-House Counsel for Plaintiff This company is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. t bi „A„ Cerdmember Agreement ACCEPTANCE OFTHIS AGREEMENT This agreemer, governs your crecit card account with us referenced on the card carrier :cnraining:he card fcrthis account. A-yuse of; your account is covered bVthisdgreemen:. Please read the enure agreement and keep it for your records. You authorize us to pay far a,ra charge your account for all transactions made on your account. You promise to day is for sit trarsac:icns made on your account, as well as any fees or finance charges. If this is a loin; acceur;, each of you, together and individually, is responsible for paying a i amounts owed, e:'en f the account is used by only one of you. Please sicn G'',e back of your credit card when you receive it. You will be bound by this agreemer, ii you or anynne authorized byycu use your account for any purpose, even if you don't sign your card. Whether you use your account or not, you will be bound bythis agreemer.; unless ycu cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words 'we', "us" and "our' mean Chase Bank USA, N.A., the issuer of your credit card and account. The words "you', "your" and "yours' mean all persons responsible for complying withthis agreement includingthe personwho applied for the account and the person to whom we address billing statements, as well as any person who agreesto be liable enthe account. The word "card'means one or more cards other access deuces, 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 UNess wo agree or i' is required by law, we will not be responsible for merchandise or so-,ices purchased or leased through use of your account. You promise to use ycur account only for valid and lawful transactions. For example, internet oaniblirg may be ilie al in some places. It is not our responsibility to make sure that you use your account only to, permissible transactions, and you will remain responsible for paying for a transact on even if it is not permissible. Types of Transactions: • Purchases: You may use your card to pay for goods or services. • Checks: We may provitfe you cash advance checks or balance transfer checks as a waytr, use your account. We also referto them in this agreement as a check or checks. Yuu may use a check to pay for goods or services, to transfer balances to your account, or for ether uses w 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 casi advances and balance transfer checks arc treated as balance transfers except as noted m this agreement or any offer we make to you. We may treat checks that we call con vemence checks as balance transfer checks. However, checks that :ze call corivemerce checks and that we indicated to you are subject to the terms for cash advances. nay- he treated as cash advances and assessed cash advance rates and fees. • BaianceTransfers:iuu,r,aytransfer balances from other accounts orloanswith other credit:ard issuers cur other lenders to this account, or other balarcetransfers we allow. But you ma net tr:nsier balances to this account from other accounts with us or any of our related c,m.r, Hies. If a portion of a requested balance transfer will exceed your available c -e di: lins, va may process a partial balance transfer up to your available Credit line. • Cash Advance: `i-, may use your card to get cash from automatic teller machines, or from'mancial .,.<R;tioes accepting the card; or to obtain travelers checks, foreign currency. moneycrc';:rs„vino transfers or similar cash-like charges;ortoobtain lottery rickets, casino gamirw c-:ins, race trar'<wagers or for similar betrng transactions. You may also use a t)i:-d „art v service to make a payment oo your behal" and bill the payment to this :, :count. • Overdraft Advances II you have an eligible checking account w+i.h one of our related banks, yo, may link this account to your checking account with our related bank to co-ir ar overdraft n !i c hocking acco.mt order the terms of this agreement and your checking acco:rrt ag cement. 81111-19 Cycle: In o--, a? rna eage your account:, we divide time into periods called "billing cyrlf's" Each billingcy.:le i; approximately one month in length. For each calendarmorth, your acrd:ct will have a bi:ling cycle that ends in that month. Your account will have a billinr: cycle erJwLg in ea: h calendar month whethc• or not there is a billing statement 'or teat Lilli:'j cycle Author.zee: U.:ers: If yor -flow scrneone to use your accocrt, that person will be an :a:ncri,.•; use;. You sho.rld ,rink carefully before allowing anyone to become an a.uhorizod user heca:.ce you are allowing that person to use the account as you car. Y,- v.ill rerrai • respu, :ill: for the use of your account and each card issued or; your 3 :nt.nt a.;c:xrng to he torus of this agreement. This includes your responsibility for 'a-, a!) rh x - c:r t :curt made by an aathcrize' user. 'r -u ray re:. re 3-1 a;drii.. al card -or use by an authorized user on your account. If you so, this are n mt 1ope3r on the croulit repcn of that authorized user. is west n:" rf,- sale irate 3n authorized user's pe-mission tc use you' account. If oGiv cs l c rat Tics he ir.cc,rrt end/onnssue a rew, ca•d or cardswith a different r:.Of It rant for r rl also rerefe- and r stmt any cars, cl erks or any other rre_rsofa_. =cr.o ntfr-mthat authcrizeda;or. C evil fine y , .r.dit aPLe3rs ur yor cd:.m? st-3:emecs. Vie Tray also refer tc the td,; r.' If spend rig limit. Your bill rq state- ent also may show tnat ;rtm a- eusedti;rcashaivarces.Casha6ances,mclud,::n c s, to yet 3ra n s : the c 3s-, advance poGor of ycur cre^rt 1.re, c tar e' z au s: ycur Crr•d ,:rile Yet) e res ions ;le f,,- __K if 7 oa!rrce, ciw: 6ny fce: anj fit nee cr.ar;r;, riled maki,g sure It remains below your credit line It y,ur account balance is over you; credit re r?, an,,, reason, we may charge you an overlirnit iee as described in this 3 treemer::. 1:Ve m3,, out are net required to, authorize charges that go over your credit line. You must nay any an:etuu aver ycur credit line, and you must pay us immediately it we ask you to. This agreement 3pp'ies m any balance over your credit lire. :.; Our disUetion, we rnayincrease, reduce, or ca nceIyour rredRline, of the case advance portion o: your credit Ime, at any time. However, if you have asked us not to do so, vve vzill not increase /our credit lire. A change to you, r.redit line will not affect your obligation :o pay us. International Transactions: International if arsacuor,s include any transaction that you make in a foreir:n currency a, that you make outside of the United States of America ever , it is made in U.S. doila:s. It you make a transaction in a foreign currency, Visa Iriternatoral or Mac:erCard International, Inc, will convert the transaction into U.S. dollars by using ?.s respective currency conversion procedures. The exchange rate each entity uses to ccr:vert currency is a rate that it selects either from the range of rates available in the wholesale currency markets for the applicable processing date (whici rate may vary from the rate the respective entity itself receives), or the government-mandated rate in effect on the applicable processing date. Tile rate in effect oil tneapplicable processing date may differ from the rate on the date you used your ca:d Dr account. We reserve the right to charge you an additional three percert (3%) of the 11 5, dollar amount of any international transaction, w•hetherrhat transaction was originally rnade in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or ;vtasterC?rd. In either case, the 3% will be calculated on the U.S. dollar amourt provided to us by that antity.The same process and chargesmay apply if anyinterrational transaction is reversed. Refusal to Authorize Transactions: We may, but are not requited to, decline a transaction cn your account for anyof 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. 'Ale are not responsible for any losses if a transaction, on your account is declined for any reason, eithe- by us or a third party, ever, if you have sufficient credit available. Fur online transactions, we may require that yor register your account with an authorization system that we select. We will notify you if wo want you to register. If yon do not register, we may decline your online transactions. Refusal to Pay Checks: Each check youwrite is your request for funds. When we receive a check for payment, we may review your account to decide whether to & rthorze that check. Alt may, but are not required to, reject and return unpaid a check for any reason. including the following examples; • We or one of our related companies is the payee on the check. • 'your credit line or cash advance portion ofyour credit line has been exceeded, or would he exceeded if we paid the check. • The check is post-dated. If a post-dated check is paid, resulting in another rherk being returner) or not paid, we are not responsible • Ycu have used the check after the date specified on it. • You are in default orwouid he 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 Cardrnember Service telephone number shown on your card or billing statement. Do not use your account after you notify us, even if your card, check, account number or ntr.er mears 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 ore related to your account. Ycu may be liable if there is unauthorized use of your account front which you receive no benefit, but you will not be liable for more than 550 00 of such transactions, and you will not be liable for any such transactions made after you notify us of the less, theft or urauthorizoJ use. ffowever,you must identifyfor us the unauthorized charges fromwhich you received in benefit. We n,ayreuuireyou:o provide us;nformatior: in writing to help as find cu,.what happened W.2 may also req rife you to comply with certain procedures in connection: with our nvestigation,. PAYMENTS Payment Instructions: Your billing statement anti accompanying envelope include instruct,cns you must fe!ow for making payments and sets tort; the date anc time by which vre must receive the payment. Yon, agree to pay r;s amounts you owe in U.S. dollars draavr on funds on deposit in a U.S. fwancial imntwioe or the U.S. branch of a foreign linancial institution using a paymen, crack, moray order or automatic dehit that will be processed or honored byyour financial initl0,ticn. We wilt cot accept cash payments Your total available credit may not be r shred 1, r up to 15 days after we rccrivc your payment. Any payment Check or other form of payment whici you send to us for less trier the full balr,ncetkati mar,e(1"paidin fill'or with asimilarnatationor thatycuotherwisetender null sansfa ion n a disnt.ted amaurticon+)iGon_: p ,meats), must be sent to us at t'ia conch(c , ;ayrnens act&ess listed ofyour r,or:hl ysteteritent. Ole reserve ah our righ:s red;,rang don`t [ aynanh fer example, if it is dulertnwed there is no valid dispute or if an; s,r p n,er r eived at any athe• ad `Tess we may accept the payment and you vnl, 81111 c an rt,i, ing ba!ance ti%c may rel'is t; accept any Such payment by relu'r;nr r, dot cawing is or by destru/ing ,t A.I ether pay men:; that you make she i_I h o to t ^ dd payn.cc: ,., dre%? aft n o Y(lu'r,o-thly statements Vve re r ,:re t., elec'roricahy c_Ilect yo.' chijib!c paymenl checks, at fir cry cn r " t:,r epresenmte3t; tun n th ',;art c. ?:.rtt w v.'-ichthe chc..<is dv Our rt _ 1 : -,' yrr, u t ;n:rr chic<s is y,;;u a 1011 -Z-J: r far , s :c collect tL4 amotu the check electronically, o , if r.eeJed, by a drat drawn against me bank account Payment checks will be collected electronically by sending the check amount along wit!' the check, routing and account numbers to your bank. Your bank acccurt mau be debited as early as ;he some day we receive your payment. The original payment check will be destroyed and an image will tie maintained in our records. Minimum Payment: You agree to pay at least the minimum payment doe, as shown on yourbilling statement, so that we receive it bythe date and time payment is due. Yo:; may pay more than the minimum payment due and may paythe fu!I amount you cwe us a: any time. If you have a balance that is subject to finance charges, the sooneryou pay us, the less yonwi8pay in finance charges because finance charges accrue on your balance ea,:h day. Your billing statement shows your oeginning balance and your ending balance (the. 'New Balance' on your tilli tg statement). If the New Balance is S10.00 or less, your minimum payment due will be the New Balance. Otherwise, it will be the largest of the following: SiTIM, 2% cf tte New Balance; or the sum of 1% of the New Balance. total billed periodic rate finance charges, and any billed late and overlimit fees. As part of the minimum payment due,we also add any amount past due and any amount. over your credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits in a way that is most favorable to or convenient for u<_. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs. Credit Balances: You may request a refund of a credit balance at any time. We may reduce the amount of an,, credit balance bythe amount of new charges or fees billed to your account, Automatic Charges: You may authorize a third party to automatically charge your account for repeattransaciions(for example, monthly utility charges, memberships and insurance premiums). If automatic charges are stopped for any reason (including because your account is closed or suspended for any reason) or your account number changes, you are responsible for notifying the biller and paying these charges directly. If, your account number changes, we may, but are not required to, pay from your new accountnumbe cha rgesthat you authorized to be billed to your old account number. Promotions: From time tic, 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 corresocr ing daily periodic rates are listed on the Rates and Fees Table that is at the er:d Of this document or provided separately. To (let the daily periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decrial point. Variable Rates: One or me re APRs that apply to your account may vary with changes to the Prime Rate. When you have an APR that varies with changes to the Prime Rate, we calculate the APH by adding a margin to the Prime Rate published in The Wall StreetJoumaltwo b.siness days before the Closing Date shown on yourbilling statement. The "Prime Rate" is the highest (U.S.) Prime Rate published in the Money Rates section of The Wall SrreetJournal. If lhe Wall Street Journalstops publishing the Prime Rate, vie wilt select a similar reference rate and inform you or, your billing statement or through a separate notice. A 'margin' is [tie percen age we add to the Prime Rate to calculate the APR. A "business day` is any day that is net a weekend or federal holiday. The Rates and Fees Table shows which rates, if any, are variable rates. It also lists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown on your billing statement, we see what the Prime Rate is. W, then add the applicable margin to that Prime Rate to get the APR. The daily periodic rave is calculated as described above. If our calculation results is a cnange 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 gat ends in the calendar month in which we made the calculation. lithe daily per owc rate increases, you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment. Default Rates: Your APRs also may vary if you are in default under this agreement or any other agreement ycu have with us or any of our related companies for any cf the following reasons. • We do not receive, for any payment that is owed on this account o? any other account or loan vita us, at least the minimum payment due by the dare and time due. • You exceed your credit I,ne c n this account. • Yo•.r make a payment to I s that is no: honored by your bank. • To the ervent a lo??,cd by I -w, if, at arty time after your account is c!csed, we demand immediate payment of your outstanding balance and vie do not receive payment within the time %e speci' y. If any of these everts ccc.irs,'ve may it;rl the APRs Otrcludr)y any promotional A('11) cn all balance ; ;exclr,dinc o,'prcra't advances) up ;c a maxhnum of the default r:+:e Stated in the Raves and Fe e.• Taefe. We may cor cider the following faders to c.e:ermine your defau';t r<:t ;ho length of time your account has been open, the axis:ence, sericusrtCss anJ u n rg Of the defaults on yograccot:nr otherindicatiurs r.f Scut account usage &:td oerfo,rnance, informal-on about your other relationships l%0h is or =11, of gc; relate) c onroan;as, and information vie obtain from consumer c;,tJit;epons pbtained f-on: rcdr, hur:iacs. The defaidt rate will take effect as c- 6?; ! rs°. cry c' The hdbry c; _.ic ;n t:•hieh lire default occurs, and wilt applyto purcnaso balances from the previous billing cycle for whic°, periodic finance charges have net been already billed. If we decide not to increaso your APR even though there is a default or if we do riot increase your APO up to the maximum default rate stated in the Rates and Fees Table, we reserve our rigir to increase your APR in the event of any future default. We may in our discrnor determine to charge reduced default rates or reinstate standard gates for all or selected balances on your account. Finance Charge Calculation -Two-Cycle Average Daily Balance Method (Including New Purchases) for Purchases and Average Daily Balance Method (Including New Transactions) for Other Transactions: We calculate periodic finance charges separately for each balance associated with a different category of transactions (for example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotion). These calculations nay 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 multiply the daily balance by the daily periodic rate. • Second, for each day o' the previous billing cycle we multiply the daily balance tcrpurchases made in that billing cycle bythe same daily periodic rate. However, we do not do this second step if we received payment in full of the New Balance on your previous billing statement by the date and time the minimum payment was due or if a periodic finarce charge was already billed on that balance. We calculate Cite periodic finance charges for purchases subject to a promotional rate the same way, but we 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 may have overdraft advances only ifyou havelinked this account to a checking account with 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 get the daily balance for each day for each category: • We take the beginning balance for that day. • We add to that balance any new transactions, fees, other charges, and debit adjustments that apply to that category. We add a new purchase, cash advance, balance transfer or overdraft advance, if applicable,to the daily balance asofthe transaction date, or a later date of our choice. We add a new cash advance check or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice. • We subtract from that balance any payments, credits, or credit adjustments that apply to tftat category grid .hat ale credited as of that day. • We treat a credit balance as a balance of zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance. If more than one daily periodic rate could apply to a category because the rate for the category may vary based on the amour)( of its average daily balance, vie will use the daily periodic rate that applies for the average daily balance amount attire end of the billing cycle to calculate the daily periodic finance charge each day. This agreement provides for daily compounding of finance charges. To get the total periodic finance charge for the billing cycle, we add all of the daily periodic finance charges for each category for each day during that billing cycle, plus the daily periodic finance charges on purchases, if any apply, for the previous billing, cycle. However, if any periodic finance charge is due, we will charge you at least the minimum periodic finance charge stated in the Rates and Fees Table. If it is necessary to add an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billing cycle. The total finance charge on your account for a billing cycle will be the sum of the periodic finance charges plus any transaction fee finance charges. For each categorywe calculate an average daily balance (including new transactions) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If 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 bythat category's daily periodic rate, and multiplythe result bythe number of days in tr:e billing cycle, the Iota! will equal the periodic finance charges for that balance attributable to that billing cycle, except for miner variations due to rounding. Grace Period and Accrual of Finance Charges: We accrue periodic finance charges on a transaction, fee, or finance charge f. om the date it is added to your daily balance um;l payment in full is received on your account. However, vie do riot charge periodic finance charges on new purchases billed during a billing cycle ifwe receive payment of your Nev: Balance by the date and time your minimum payment is due and we received ca,,ri of your f, ew Balance on your previous billing statement by the date and time your payment was due. Tiris exception or 'grace period' applies only to purchases and does rot apl;ly to balance transfers, balance:rar:sfer checks, cash a Cvances, hash advance checks Or overdraft advarccs, if applcabble. Transaction Fees for Cash Advances: We may charge you a cast: idvt:nce fee in the amount state J in the Rates and Fees Table for each cf the fcLowin.^_, traruactions: cash &dw2ncc rhecKS. ca5!. advances. Fagg1 0t e, I''KiA1'.5Z4 In addition, if you use a thud party service to make a payment on your behalf and tite service charges the payment to this account, we may charge a transaction fee for the payment. These transaction fees are finance charges. We add the feeto the balance forthe related category as of the transaction date of the cash advance. For example, a transaction fee for a cash advance would be added to your cash advance balance. Transaction Fees for Balance Transfers: We may charge you a balance transfer fee in the amount stated in the Rates and Fees Table for each of the following transactions: • balance transfer checks; • balance transfers. These transaction fees are finance charges. We add the fee to the balance iorthe related category as of the transaction date of the balance transfer. For example, a transaction fee for a balance transfer would be added to your balance transfer balance. OTHER FEES AND CHARGES We may charge the following fees. The amounts of these fees are listed in the Rates and Fees Table. These fees will be added to the balance for purchases made duringthe billing cycle. Annual Membership Fee: if your account has an annual membership fee, it will be billed each year or in monthly installments (as stated in the Rates and Fees Table(, whether or not you use your account, and you agree to pay it when billed. The annual membership fee is non-reiundable 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 full. Your payment of the annual membership fee dues not affect our right to close your account or limit your right to make transactions on your account. If your account is closed oy you or us, we will continue to charge the annjai membership fee until you payyour outstanding balance in full and terminate your account relationship. Late fee: 11 we do not receive at least the required minimum payment by the date and time it is due as shown on your billing statement for any billing cycle, we may charge the late fee shown in the Rates and Fees Table. If the late fee is based on a balance, we calculate the late fee using the Previous Balance on the currentmonth's statement that shows the late fee. This balacce is the same as the New Balance shown on the prior month's statement for which vie did not receive at least the required minimum payment by the date and time it was due. Overlimit Fee: If your account balance is overyour credit line at any time during a billing cycle, even if only for a day, we may charge an overlimit fee. We may charge this fee even ifyour balance is overthe credit line because of a finance charge orfee we imposed or a transaction we authorized. We will not charge more than one overlimit fee for any billing cycle. But we may change an overlimit fee in subsequent billing cycles, even if no new transactions are made on your account, if your account balance still is over your credit line at any time during the subsequent billing cycles. Return Payment fee: If (aj your payment check or similar instrument is not honored, IN an automatic debit or other electronic payment is returned unpaid, or (c) we must return a payment check because it is not signed or cannot be processed, we may charge a return payment fee. Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer check atyour request, or (h) we refuse to pay a cash advance check or balance transfer check, we may charge a return check fee. Administrative Fees: H you request a copy of a billing statement, sales draft or other record of your account or it 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 requesr for a billing dispute you may assert against us underapplicable 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 Ito in default if any of these occurs: • We do not receive at least the minimum amount due by the 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 tc others on time. • You file for bankruptcy. • You become incapacitated or in the event of your death. If we consider your account to be in default, we may close your account without notice and require you to pay your unpaid balance immediately. We also may require you to pay interest at the rate of two percent (2%) a month on the unpaid balance when we deem your account to be six or more billing cycles past due. To the extent permitted by law, if you are in default because you have lailed 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 accou it at any time. If you call us to close your account, we may require that you confirm your request in writing. We may close your account a,. 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 and destroy all cards, checks orother means to access your account i return them to us upon request. You will continue to be responsible for charges to your courr, even if they are made or processed after your account is closed and you will be required to pay the outstanding balance on your account according to the terms of this agreement. In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or at any time after your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JURY,AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW,THOSE RIGHTS ARE WAIVED. Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by and be enforceable under the federal Arbitration Act (the "FAA"), 9 U.S.C. 91-16 as it maybe amended. ThisArbitration Agreement sets forth the circumstances and procedures underwhich claims (asdefined below)may be resolved by arbitration instead of being litigated in court, Parties Covered. Forthe purposes ofthis Arbitration Agreement, "we ;"us', and'our, also includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account, and all of their officers, directors, employees, agents, and assigns or any and ail ofthem: Additionally, "we%'us" and 'our shall include anythird party providing benefits, services, or products in connection with the Account (including but not limited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, directors, employees, agentsand representatives) if, and only if, such a third parry is named by you as a co-defendant in any Claim you assert against us. Claims Covered. Either you or we may, without the other's consent, elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, any prior Cardmember Agreement, your credit card Accountorthe advertising, application or approval of your Account ("Claim"). This Arbitration Agreement governs all Claims, whether such Claims are based on law, statute, contract, regulation, ordinance, tort, common law, constitutional provision, or any legal theory of law such as respondeat superior, or any other legal or equitable ground and whether such Claims seek as remedies money damages, penaities, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims regarding the applicability ofthis Arbitration Agreement orthe validity of the entire Cardmember Agreement or any prior Cardmember Agreement. This Arbitration Agreement includes Claims that arose in the past, or arise in the present or the future. As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning. Claims subject to arbitration include Claims that are made as counterclaims, cross claims, third party claims, interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any party or parties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim thatis within that court's jurisdiction and proceeds on an individual basis, li a party elects to arbitrate a Claim, the arbitration will be conducted as an individuaf action. Neither you nor we agree to any arbitration on a class or representative basis, and the arbitrator shall have no authorityto proceed on such basis. This means that even if a class action lawsuit or other representative action, such as thatin the form of a private attorney general action, isfiled, any Claim between us related to the issues raised in such lawsuits will he subject to an individual arbitration claim if either you orwe so eiect. No arbitration will be ; onsolidated with any other arbitration proceeding without the consent of all parties. fhe only Claims that may be joined in an individual action under this Arbitration Agreement are (1) those brought by us againstyou and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy or (2) those brought by you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. Initiation of Arbitration. The party filing a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are independent from us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside at the time the Claim is filed, or at some other place to which you and we agree in writirg. 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 :ontacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY IC017-4605, Web site: v,ww.adr.org, 800.778-7879; or National Arbitration Forum, P.O. Box 50191, Minneapolis, NIN 55405, Web site: wrovw.arbitranon-forum. corn, 800-474.2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arhitrator will either be a lawyerwith at least ten years experience or a retired 3 of 6 CMAI1684 or former judge. The arbitration will be conducted under the applicabfe procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Arbitration Agreement, in which case this Agreement will prevail.These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel. The 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 party any damages or other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a party to the proceeding. If the law authorizes such relief, the arbitrator may award punitive damages or attorney fees. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or its, 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 $500 upon receipt of proof of payment. Additionally, if there is a hearing, we 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 fees if the arbitration administrator or arbitrator determines there is goad reason for requiring us to do so or you ask us and we determine there is good cause for doing so. Each party will bear the expense of the fees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which parry prevails, for 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 f om another party. Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration Agreementat anytime, 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 onthe parties, unless a: party appeals in writingto the arbitration organization within 30 days of issuance of the award. The appeal must request a new arbitration before a panel of two neutral arbitrators designated by the same arbitration organization. The panel will reconsider all factual and legal issues anew, followthe same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Each party will bear their own fees, costs and expenses for any appeal, but a party may recover any or all fees, costs and expenses from another party, if the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Severability, survival. This Arbitration Agreement shall survive: (i) termination or changes in the Cardmember Agreement, the Account and the relationship between you and us concerning the Account, such as the issuing of a new account number or the transferring of the balance in the Account to another account (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 a third party. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in farce. CHANGES TO THIS AGREEMENT We can change this agreement at any time, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you orwe may have relating to this agreement. Modifications, additions, or deletions are called 'Changes' or a "Change'. We will notify you of any Change if required by applicable law. These Changes may be effective with notice oniy, et 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 arid to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exercise those rights. For example, the notice may state that you may notify us in writing by a specified date it you do riot want to accept certain Changes we are making. If you notify us in writing that you do not acceptthe Changes, your account may be closed (if it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement, It you do not notify us in writing by the date stated in the notice, or if you notify us but then use your account after the date stated in the notice, you will be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access tr. your accour.t. CREDIT INFORMATION We may periodically review yOLr credit history by obtaining information from credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. If you request additional cards on your arcount for others, we may repot accot:nt 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. If we disagree with you after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home, cellular or business telephone number or email address (if you elect to receive billing statements or other notices online), you must notify us immediately in writing at the address shown on your billing statement. We may, at our option, 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 calls with us, You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information aboutyou and your accountwithin our family of companies, and with others outside our family of companies including any company or organization whose name ormarkmay appearon the cards, as permitted by law. Our Privacy Policy, which is provided to you when you first receive an agreement and atleastonce each calendar yea rthereafter, describes ourinformation sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations within and outside of our family of companies. ILLINOIS CARDMEMBERS Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure ur unless the disclosure falls under another exception in the law (such as sharing information to process your transactions or in response to a subpoena). You herebyagree that, ifyou choose notto exercisethe applicable opt outdescribed in our Privacy Policy, you will be deemed to have authorized us to share personal information we have about you (including information related to any of the products or services you may have with-any of out companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights 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 agreementto a third party. The person to whom we make the assignment will be entitled io any of our rights that we assign to that person. GOVERNING LAW THE TERMS AND ENFORCEMENT OF THIS AGREEMENTAND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNTARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us 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 us on a separate sheet atthe Ca rdmember Service address shown on your billing statement. Write to us as soon as possible. We must hear from you no later than 63 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 ycu have arrthorized 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 Our Responsibilities Alter We Receive Your Written Notice Page 4 of G CMA' 1684 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 tryto 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 c an 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 thatwe made a mistake on your bill, you will not have 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 amountyou owe and the date that it is due. If you fail 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 S50.00 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 property or services that you purchased with a credit card, and you have hied in good faith to correct the problem with the merchant, you may have the right not to paythe remaining amount due on the property or services. This right does not apply to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright ©2006 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA11684 RATES AND FEES TABLE (This table may also be referred to as the Table of Interest Charges) ewnn ......,.... r1..,.,, of parrantana Patel introductory APR 0% fixed APR (0% daily periodic rate) on purchases, balance transfers and balance transfer checks until the first day of your billing cycle that includes August 1, 2006 (the 'Introductory Period") Purchase APR after the Introductory Period 7.99% fixed APR (0.02189% daily periodic rate) Balance Transfer/Balance Transfer Check APR after the Introductory Period 7.99% fixed APR (9.02189%o daily periodic rate} Cash Advance/Cash Advance Check APR The Prime Rate* plus 14.74% with a minimum of 19.49% (0.05340% daily periodic ratel, currently 22.49% (0.06102% daily periodic rate) Default APR The Prime Rate* plus up to 2:3.99%, currently 31.74% (0.08696% daily periodic rate) Overdraft Advance APR 13.99% fixed APR (0.03833% daily periodic rate) * Estimated variable APRs above are based on the 7.75% Prime Rate as of April 17, 2006. Fees and Finance Chartres Cash Advance / Cash Advance Check Fee •• Finance Charge ATM Cash Advances 3% of transaction (minimum fee of $10.00) All Other Cash Advances 3% of transaction (minimum fee of $10.00) Balance Transfer Check Fee -- Finance Charge 3% of transaction (minimum fee of $5.00 and maximum of $75.00) Minimum Periodic Finance Charge $1.00 (If any periodic finance charge is payable for a billing cycle) Annual Membership Fee ! None Late Fees: $15.00 if the balance is up to, but not including $150.00; $39.00 if the balance is 5250.00 and over Overlimit Fee $35.00 Return Payment fee y $35.00 Return Check Fee 535.00 Administrative Fees: Copy of Billing Statement cr other record $5.00 Page 6 of 6 CMA11684 Exhibit « B 11 Statement for account number: 4388 5760 2062 4196 New Belanco ?ayment Due Date Past Due Amount Ninimum Payment 53119::!€ 04/21/08 $0.00 $12.0, Make your check payable to Chase Card Services. Amoun'. Irnclose..l ?6 New address or e-mail? Print on back /'UNITED Mileage Plus* Pa Tax,s with Your Chase credit Card www. chasepayyourtaxes. corn/tax 438857602062419600001200000619350000002 'tr 3EX 4 ;8108 C MR BROOKE R RHODES PO EOX 615 N[' 'v CUMBERLAND PA 17070-0615 Irrrlllrlrrlrrlrlrrlrrllrrrlrl,rrrllrlrir?rllrririrrrlirrlirrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 15000 1GO 284 2 3650 206 24 19G ill' Opening/Closing Date: N V N 1 T E D Payment Due Date: Mileage Plus, Minimum Payment Due for Credit Access Line Tota' Minimum Payment Due 02'28/08 - 03/27/08 CUSTOMER SERVICE 04,'21/08 In U.S. 1-800-537-7783 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U -S. call collect 1-847-888-6600 $12.00 $12.00 ACCOUNT INQUIRIES P.O. Box 15298 Wilmington, DE 19850-5298 VISA SIGNATURE SUMMARY Account Number: tiststs 0760 2062 4196 PAYMENT ADDRESS P.O. Box 151113 Previous Balc,nce $1,329.95 Credit Access Line $5,000 Wilmington.. DE 19886-5153 Payment, Cr(dit<; -$1,388.83 Available Credit $4,380 Purchases. C-rsl3, Debits +$678.23 Cash Access Line $1,000 VISIT US AT: New balance $6197 Available for Cash $1,000 www. chase. com/united MILEAGE PLUS MILES EARNED 1-800-421-4655 (Mileage Plus) Miles ea-moc this statement from purchases 679 1-801 (Reservations) Total miles e-tuned this statement 679 Total miles I. 3n ferred to United 679 TRANSACTIONS Trans Amount Date Refers ice Number Merchant Name or Transaction Description Credit Debit 02/29 10600602700005050325479 Payment - Thank You 61.329.95 02129 24559308062900011585260 NETBIZ COM 503-6015510 OR 50.00 03/08 240711)58069987102387006 BIZZUP SOLUTIONS 954-3220287 FL 8.88 03113 107310732-700005105599282 Payment - Thank You 58.88 03/19 24694'48(179001204916680 AUTOCERM 800-6275555 NY 29.97 03119 24254 " 78080457683600083 JOURNAL PUBLICATIONS 1717-2364300 PA 300.00 03/21 24692168081000636935686 _ GRC`Jim Banks 2 OF 7 800-964-8393 CA 69.43 03122 24692'.68082000707848569 LOWES #00747' 877-665-6937 NC 95.00 03/22 24692168082000707848577 LOWES #00747` 877-665-6937 NC 95.00 1 24869-,188(183261495453438 REALESTATE8008047572-V 000-0000000 MA 29.95 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due I c Transaction Accumu'ated FINANCE Category 29 days in cycle APR Balari Periodic Rate Fee Fin Cli CHARGES Pun-hases V .06641% 24.24% $0.0) $0.00 $0.00 :0.00 $0.00 Cash advanss V .06641% 24.24% $0.0) $0.00 $0.00 S0,00 $0.00 Total finance. charges $0.00 Effective Annual Percentage Rate (APR): 0.00% Pleae;e see Information About Your Account section for balance computation method, grace period, and other import.rnt information - The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Fffective A-31R represents your total finance charges - including transaction fees such as cash )(Dance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Go to www. chase. comda kepartin itall/U nited to find out how your Visa card issued by Chase Bank USA. N.A. could bring you closer to the Beijing 2008 Olympic Games, courtesy of Visa (R) or 91) F?Si :14 C 2 000 Y 9 21 )8103127 P.0, 1 cif 1 05058 MA MA 06271 087t0IX10020000627201 1( 0' ^9 N;129r9 1', 23981NS12879 Address grange Request Please provide information below only if the address information on front is incorrect. Street .scdress. ___--_--_--_ City State -- Zrp ----- ---- Home gone. -- ---- Work .oione- --- --- ---- E-ma: r,cicress --------_--_ 7 Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card rmmedia'sly by rnlling Ih? C.aspomer Service number found on the front of your statement Advisers it always available to assist you You can reach an Advisor by p esslnn a*:e? you enter your account number Crediting of Payments: For payments by regular U.S- nor send at leas' curIn in ?iumpayment due to our post office box designated for payments s-,owm n I` e statement Your payments by mail must comply with the ? lt¢rctlo cn 011S statement and must be made by check onnoney order, a,,able r '.1 ; Dollars. a tic drarom on or payable through a U.S. financial rsttuti,r Ile U S. branch of a foreign financial institution. Do not send -ash. Wu y It r account number on year check ornioney order. Payments ::t br z ^cernetl by the payment coupon in the envelope provided Vtub - it add,.. drsible through the envelope window the envelope 'anno- -rain ° .r= Iran one payment or coupuT and there can be no saples, aped of f'. lane or correspondence included with your payment. If your i eve en:.; n accordance with our payment instructions and is more sellable on any day except December 25 by 1 00 p.m. local lime a: it pest ihca box designated for payments on this statement. we will credit r.eayin c- toyouraccount as of that day. If your payment Is in accoi dance nil our avment instructions out rs made available to us after 1 00 an sea': time lit our post office box designated for payments on this statement ,- „dill rd4 it to your account as of the next day If you do not follovv our ;"'I =!I a,ions or if your payment is not sent by regular U S. not to art post r' box designated for payments. crediting ofyour payment may I to up to 5 days. Payments made electronically 111 0111 t telephone service Customer Service advisors. or our web site II _.. any processing times disclosed for those payments Account Information Reported to Credit Bureaus: We may sport I iu'mat,r. it occur your account to crsdlt bureaus. Late payments, hissed I vulerr litre, defaults on your account may be reflected in your credit r.port it ^ou! hank wei have reported inaccurate information to a crodlt urea ; v nay unite to us at lie Cardmembar Service address Its:ed on urart, memern Notice About Electronic Check Conversion: When you provide a ch-ck as r :yment. r.i a Assize its either to use information front your check Icol e one-tim. = ecrronie hind transfer from your account or to procoss the ,rnenl r., deck transaction. When we use information hear your check make r dectronie fund transfer funds may be wilrac ri from your ._.Crnnt I u_an as the same day we receive your payment and you will not .... p u -.Peak back from your financial institution. Call the customer r ter on fills statement it you have questions about electronic. it 6 rile-curd or do not want your payments collected electronically Conditional Payments: Any payment check or other form of payment that u sera s to less than the frill balance due that is marked -paid in hill or later, vrri or notation or that you otherwise tender in full satisfaction drop imoont. must be sent to Card Services, P0. Box 15045 Jilt ngb '9850-au49. We reserve all our rights regarding these u. f it is determined there is no valid dispute or it ang such ed at any other address, we may accept the check and yet. suit r any remaining balance). We may refuse to accept any su-h men' r;mrninp it to you cot cashing it or destroying it. All other aymeni, -ra youmakeshouldbesentoo the appropriate payment address Annual R,anewal Notice: If your acco.,ri has an annual fee. It will be bdled t year u. nonthlyinstallments. whether print you useyouracobunt. V(o a r t pay it when billed Tha annual fee is non-refundable tintless n - ft , that you vwsh to close your account within 30 days of tit, date r rail ,. -t. tement on M- ch the annual fee is charged and at the sane +^1r laur outstanding balance in full Your payment of the annual ,fact our rights to close your account and to limit your rght to r, cis on your account It your account is closed by you or us. a n -me to charge the annual fee until you pay your ouadmi lug ill, c in and terminate your account relationship Explanation of Finance Charges: We calculate periodic finance charges. rig " I call, periodic rates shovm on this statement. separately for -h t balance tr nsfarlconvenience checks and ease advance - uransa-lion i. purchases. balance transfers. cash advances, r'e-Il -inces pr overdraft advances). These calculations may cn bar, - rut eateri des with the same daily periodic rates If the e Is a text : ncdic ,at. on this statement, that rate may vary , at d the n used to determine that rate and its correspcnding APR are -iii Carrlmamber Agiaement. as amended. There is a •, lu. i a:I - charge in any bitting cycle in which you owe any periodi: and a transaction finance charge for each balance it, r spar. i.l or :heck tansacben. o the amounts stated in your r irrem ent as amended t t to for each day et the current billing cycle. we tale the din .. I - for e:.h feztum. add any new transactions or other lebits unpaid finance charges and other charges), subtrat t any monk, 1 Juts and make ether adjustments. Transactions are added t a` - ion date file beginning of the billing cycle in which th y ate r aunt. or r later data of our choice !except that -heck indent as of the date deposited by the payee or a rater date n e 'gees are anted either on the date of a related transaction. the cote they are posted to yorx account. m the last day Dr the bilking cycle- This gives its that day's daily balance. A credit balance is treated as a balance of zero. It a rally perpdre rate apples to any feat ire. we muluply the daily balance by the daily periodic rate to get yeur penodic finance merges for that day We then add these periodic finance charges I your daily balance to r Ithe beginning balance for ih,n.xtday (le oreth+, on,, dailypariodic rat -rid , ply based on the av:ra a daily bsl r o c,e w l use 71,e daily pe..;ci, ale that applies for the average na ly balance amount at the end of the billing .rpJe to calculate the daily; eriodir fi.i.:n-ce oharg.? eaer day ) Tc get your total periodic finance charge 'o a idling cycle when a daily pe add oteis't applies. we add all of the daily ce idic financ charges for all fealties. To determine an average dally balance. ere add your daily balances and divide by the number of the days in the applzaale ailing c less). if you r u n ,fiply the average daily balance for each tealrre by the applicable daily per odic rate and then multply each of these results by the number of days in Ilia applicable busing cyan and 'hen add ail pr the results together. the ectal rreill also equal the pededic finance charges Ior the billing rpele. except for minorvanetions due to founding To get yo or b but periodic finance charge for a billing cycle when a monthly periodic raters? applies, multiply the average flatly balance for etch feature by the applicable monthly periodic rale and adrl the results together. The total will equal the periodic finance charges for the billing cycle excepttnr minor variations due to rounding Grace Period (at least 20rfays): We accrue periodic finance charges on a transaclion , fee, or finance charge from the plot it Is added to your tally talance until payment in full is re.ceiveg on your account. However we do no: charge periodic finance charges on heir, purchases billed during e bdlm_7 cycle f we receive both payment of your New Balance on yeur;unent statement by the data and time yeur payment is due and also payment of four New balance :;? yeur previous sralement by the dote and time your payment vies due. There s no grace I enod for balance transfers cash advances. clerk transactions. or overdraft advances In addition, if there is a'Qualifying Promotional Financing" section on this statement, you will not incur perodic finance charges on any Remaining Balance that appears in that spot oil if dcu pay that balance m full n,, th able Expira0on Date. To avoid nuance charges or navy purchases when yeur New Balance includes any Remaining Balance(s) rr. the Oualienne P-oiuotional Financing section. peyyour full N w Balmice minus 'tie total of those Remaining Balance(s) by the date and time your payment is due However, 9 your safement shove that a minimum payment is due. are letter receive at least that minimum payment by the dot= and time spamfied on ynnrr state on Of, even If your N r., Balance consists only of Ouelifymg Pront ononal Finncing colaices Also. for some Qualifying Promotional Financing halances, periodic finance charges ar;elite during the promotional period tut are not added to ;mur accaun bo.arce Instead,fl:y accumulate from t Ilmg cycle to biding cycle. `firs is let-,Fred fo as de iced interest it i J ?,re interest Qualifying Promotional f na.rerng ba ee is not pvtl in rill by the , soli able Expiration Date, the aeferred finance ilharges wile be aided I your account as scion as fire ursi day after the Expiration Dare. Further if y , default under the terms of your Catlmemosr Agrearrent file ccfemat hra me, -harg?il''be added to your account as soon at the dated defa;ll BILLING RIGHTS SUMMARY In Case of Errors or Glens About Your Bill. If you think your bill =s wrong or if you need mod nformation about t r isaetion ail o , in „vote Cardmembar Servce on a eeparale sleet at P C r'ox 15299 Wilmington. DE 19K i29J as such as p? side. We must her "ram ,ou n later Inan 60 da after ve sent you thafrst bill oil ahu;h th r r or problem appeared You r to phone rrs, bunting sc-v ill notpr s:. ve your lights. In roux letter. give us the i?llowing rn6ametmn. • Your nan•.e and account dumber • Tre dollar amount of thepuspected error • Describe th.error and Alain If ou can why % it, believe tr -ra is an error if a nerd uncle inform on.Jeer ethe ert,n are asure about You d nor lava to pay any amount m ;scion while ea ai investig ling. but ou are stll obligated to pit, III, Lnrtc of your bill trop era rot it queseot, While we mveslogate your question. ya cannot report you as delinquent or take action to collect the am]Lunt , cer question. f you have authuured us fa pay your credit ca it bill aumrnal from your savings or the ku J ;count you cad stop the payment n any amount you tn:nk is wrong To stop he payment, you Iafte to car using the Cildniem'ner Set is addrs, orteleph ;number .:,,vn ,, m ,brm i4mus reach us -st ace business ys beta the. aul r i it F y:na 1 scheduled to OMI tot Snecial Rule for Credit li Purchases: If vo n lave s problem with the rlWahry of pods or service that you p n,hi_cc ,h a -,edit ,rd iexcludmg ha -ids with a el?ek)- and you f ava b .d in good faith to correct 11 the pro. ler,i with the in hart you ay rut lice To pay the renaui.ng am lint d on t^> rood r servr e Yu rave the pm ec on rn coien t'n, u h s p-rce etas mire than S r and th Fp r. hose was air In rour horn s ate or ,yilli 100 fniles of you tire rig ddress Tries, r r ta6ons do not apply if we own of operate rr it erchart or if we mailed you the advertisemr.nt for the pro4sly or serweas VA021?07 Statement for account number 4388 5760 2062 4196 Nev, Balance Payment Due Date Past Due Amount Minimum Payment $2 906 J.05/221/08 $0.00 $76.00 Make your check payable • `.a.e Card Services. Amair. EnClosr,e $ New address or e-moil? Print nt ni on bac!? 4388571,020624196000076000029[16050000004 t,, EtiX 3 118ia'. C VR BROOKE R RHODES P > BOX 615 f.`-'N CUMBERLAND PA 17070-0615 ;'UNITED Mileage Plus- 11r1111r11r1111r1r11rllrrrlrllrlrll11rl11rll1rlrlrrrllrrll111 CARDMEMBER SERV ICE PO BOX 15153 WILMINGTON Dc 19886-5153 1: 5000 160 281: 23660 206 24 196 Lila Open ing/Closing Date. 03/28108 - 04/27/08 CUSTOMER SERVICE W U N-1 T -E D Paym ent Due Date 05/22X8 In U S 1-800-537-7783 Mileage Plus- Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect Vin6num Pa,. ment Due for Credit Access Line $76.00 1-847-888-6600 Total Minimu. n Payment Due $76.00 ACCOUNT INQUIRIES P.O. Box 15298 Wilmington. DE 19850-5298 VISA SIGNATURE SUMMARY Account Number: 4388 5760 2062 4996 PAYMENT ADDRESS P.O. Box 15153 Previous Bal. mce $619.35 Credit Access Line $5,000 Wilmington. DE 19886-5153 Payment, Cre dit; -$25.00 Available Credit $2,093 Purchases. Cash, Debits +$2,264.25 Cash Access Linz $1,000 VISIT US AT: Finance Chai:ie . +$47.45 Available for Cash $1,000 www_chase.cum/united New Balance $2,906.05 MILEAGE PLUS MILES EARNED 1-800-421-4655 (Mileage Plus) Miles earner this statement from purchases 2.265 1-800-241-6522 (Reservations) Total miles earned this statement 2.265 Total miles b msferred to United 2,265 TRANSACTIONS Trans Amount Date Refen nce Number Merchant Name or Transaction Description Credit Debit 03/27 24692168087000213178175 YAHOO SEARCH MARKETING 866-878-4104 CA $30.00 03./28 24692168088000340481509 COL`HOUSE VIDEO CLUB 800-262-2001 IN 27.50 03/30 24559 i08C90900014565364 NETBIZ COM 503-6015510 OR 50.00 03/31 10910512700005176076442 Payment - Thank You 25.00 03/31 24258;;28091980001311193 DAUPHIN COUNTY TAX CLAIMS HARRISBURG PA 1,244.06 04/05 24323;18096116618010137 _ CARTRIDGE WORLD #184 HARRISBURG PA - 39.75 04104 24351 788096180037265212 AMERICAN WATER 866-2692837 VA 111.16 04/04 24351188096180037264892 PAYMENT FEE 800-8207496 VA 3.00 04/C7 24071'58099987114605357 BIZZUP SOLUTIONS 954-3220287 FL 8.88 04/08 24071)58100987136294088 BIZZUP SOLUTIONS 954-3220287 FL 150.00 04!15 24445008107262449785033 AMERICAN MODERN INSURANCE 513-943-7200 OH 520.00 04120 24412:398112700016768169 REAL ESTAT8008047572-V 800-804-7572 IL 29.95 04120 24692 68112000168867268 GRC"Jim Banks 3 OF 7 800-964-8393 CA -? 49.95 FINANCE CHARGES Finanne u,.., ,, Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rare Fee Fin Charge CHARGES Purchases V .06641 % 24.24% $2,304.66 $47.45 $0.00 $0.00 $47.45 Cast, advance V .06641% 24.24% $0.00 $6.00 $0.00 $3.00 $0.00 Tats finance charges $47.45 Effective Annual Percentage Rate (API 24.24% Plea-.e see Irfcnration About Your Account section for balance computation method, grace period, and other nuponant 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. 11 " -IS33 2 9M Y 9 27 08,04127 Pnyt,'o1' 05058 Mn MA 28511 118100000;0001285801 'J-;1:1!)211' :' )8 INS 3021Ns12998 ,sddrass Change Request Please provide information below only if the address information on front is incorrect- Street ,,Jdres=_: _____________ City -------- State -- Zip. ----- ---- Home. Prone --- --- ---- 'eVork =Fore. --- --- ---- E-mea address. -_- Information About Your Account Lost or Siolen Cards: Phase report your lost or stolen card 'inmost t ly b; are rc if r romer Service nuriber round on the front of your statement. ad sold r always available to assist you. You can reach an Adv Sur by re_sing ire, you enter jour account number Crediting of Payments: For payments by regular U.S. mall send at leastyour mini dl aaament due to our post office box designated for payments shown n this s -L.ca=nt Yaw payments by mail must comply with the instr nations n this s et ..ant. and most be made by check or money order. payable in S Di I and mawr on or payable through a U S. financial Institution or he U S I a I ofa foreign financial institution. Do not send cash. Write yow cou°- n Tor on your ehark or money order Payments nh lot ba repo rf r. the palm nt coupon in the envelope provided will our else ss !sit:e through the envelope vwurl, the envelope cannot -.ontam e , r the r . payment or coupon, and there can be no staples, paper ;lips. p, or c conc. nee Included with your payment. If your payment is in r rdan !h ourpayment instmchonsand is made available to us on any r ax ?. a ember 2, b, 1.0o pm. local time at our post offi e box ! Bretz -payments on this statement we will credit the payment 'o your .ctiml ul hat day If your payment i.. In accordance with our payment ruc-ia s amts made available to us after 1:00 p.m. local time at eirpost rfr:a l oaten for payments on this statement, we will credit it a your ,':r m;a ttl!-nexTdey. l fyou Is not follmiv our payment instructio is or if roi f t a cot sent by regular U.S mail to our post offiwe box jn. Orient crediting ofyourpayment may be delayed for up to is - a electronically through our automated telephone [ nor Sti-ce advisors, or our web site will be subject to acv . ; !n,;s disclosed for those payments. Account information Reported to Credit Bureaus: We may report under natoll r ' yet account to credit bureaus. Late payments, missed payments or t def. It in your account may be reflected in your credit report. If you n e me ao reported inaccurate information to a credit bureau. vice may ^, rite tc al the Cardmember Service address listed on your billing acnie-r `lance About Electronm Check Conversion. When you provide a nark as. mint. you authorize useitherto use information train you check - make : as --ire electronc fund transfer from your account or to Pierces he r=,, , a check transaction. When we use information (reel your to to electronic fund transfer, funds may be withdrawn from your i as the same day vso receive your payment. and you will not y, r :neck back form your aandal institution. Call the on domes ri e- on this statement if you have questions about electronic cl a or d„ no -rant your payments reflected electronically Conditional Payments: Any pavment check or other form of payment L atyou ,n I If, I Ins than the full balance sue that is marked "paid in I dl or on tai es miler notation, or that you otherwise lender in full satisfaction of (I rm tn-ount must be sent to Card Services. P0. Box '.504P Nile ui iE 15650-5049. We reserve all our rights regarding these if it is deterrnmed there is no valid dispute or if any such chock c iy other address, we may accept the check and you will still cI r ing balance) We may refuse to accept any such payment by .n I i , cu not cashing it or destroying it. All other payments it Or you - sent to the appropriate payment address. Annual Renewal Notice: It your account has an annual fee it will br biller rc year! ^ monthly installments !Whether or not you use your account. •.re you a:r,a to pay it when billed. The annual fee is non-refundable unless it not ni - 'hat you ravish to close your account within 30 days of ife date i'cul y r , atement on rrshieh the annual fee is charged and at the same rn: yo,. !ay lour outstanding balance in full. Your payment of the anneal fee ne ?otr Tour ngbts to close your account and to limhyour right to make Isar-- !s on your account It your account is closed by you or its t-we wr1. n'mue' - large the annual fee. until you pay your outstanding balance in endfe r n are your amount relationship. Explanation of Finance Charges: We -alculate periodic finance charges s!r!g I ?p l_ cable periodic rates shown on this statement separably for i- Ie q g balance transfer/convenience checks and cash acvance transacton' I. pnrhases, balance transfers, cash advinras. b !ancee or overdraft advancesl_ Please consult you, t . in eemenl far the features that are applicable to your card. 'e n ial is may rambme different categories with the same daily -1 I' then- Is a V next to a periodic rate on this slatemeri. that - N may ! =nd the index and ma It used to determine that rate End its risk h APR are described !n your Cardmember Agreement as h dr a mini' o rn hn - harge in any billing cycle in which ycu r than her i aril a transaction finance charge to etch ash _a transaction. In the an aims sir tad it :u[ aid, her Agreement, a: an den. g he belong, 'or each it of the current billing cycle. we tare the gr mcg : -l. n,e for each feature. add any new transactions prober iects idmg r s uri finance charges and other charges). subtl-M any i TT, - kits. and make other adjustments. Transactions are strait as '!an . Inn date the beg_innurg of the billing cycle in ,which th,,y ale ^ 'o account or a later date of our choice (except that check ?. e added as r the date deposited by the payee ora later Cate cf are ° l d°.d enher on the data of a related transaction. thy; doe r r an you count cr the last day of the billing cycle. This gives s :hat Id baron,,, A credit balance is treated as a balance of zero. If ca!v I, rate drakes to any feature we multiply the daily balance ry the iI toniteourp noois finance charges for that day We than 7 ,n t th iodic hnance argil- to .i da Iy -a once to grit the beginning balan ., to tilie next day. f mare thin en- dad-e penodm rate ,ould apply based on the v- ace dad balanr sewill use uie daily perio_ in rate that acore, for the average dal ben an,a e count rt tl e end el tb billing cycle to calculate the lady periodic name charge each d, y.) To get your total ponodle,'iinance, charge for a billing cycle Shen a daily periodic rate`s; applies_weiadd all of the daily per odic finance charges for all features. To determine an fliMerage dally balance. we add yDaui daily balances and chiral, by the number the days in the appll able billing c de(sy It you multiply the average dally alance for each feature by the appli able daily periodic rate, and then muAlply each of these red is b, the number of days in he applicable, billing eyed and .hen add al of the results together the lot !II alSo equal the pe odic f!nan e charges for the billing vote . except for rn i anal an, due I. undmg. To get your bar pe !odi fman e charge for a Tilling eyrie when jjjl monthly periodrr r ae,,sj applms. multiply the ,average daily balanra fore h feat tie by the clop i-mb!e montrilt feriod!c rate and of th, resuh, tegeth The dial : ill equal the periodic finance charges for the L!Ihng cyrae. excep or minor anattuns If ee to rounding Grace Period (al least 20 ys) We a Crue N iodic finan e charges on a transaction. fee. or trail charge from the dot. It is acs d to your daily balance until payment in fu Is received on your a count. Ho never ve do not charge penod!e finance charges on no,j purchases billed during a billing cycle if tie receive both paymenIf your New Balance an your current statement by the data and time your payment is due and also payment of your Navrr Balance on your p'ewcus staternedt by the date and time your payoi,nt was due. There is no gmce penal for balance Torsi, s. rash advances, check bansations. or overdraft dvances. In addition. if them is a "dualdving Promotional Financ[ng section on this statement. you will not inbur periodic finance cnarges on any Remaining Balance that appears in "t section if you pav that balance in full by the applicable Expiration Date. owev,r if you default order the terms of your Cardmember Agreement o any OnoI ring Promotional Financing offer the applicable parodic finance Cnarges viil accrue on any Remaining Balance as soon as the billing cycle in Which the default oocws. To avoid finance charges on Leis purchases wheril your Ne'dv Balance includes any Remaining Baran a("s in the Qualifyin Promotional hnancmc section. pay your full New Balance rnmus tlhe foal of'Vose Remaining Balarce(sl by the date and rime your payment is due. Hotiever. If ycur statement shows that a minimum payment is due, lii, must receive at ast that minimum payment by the data and Lore specified on your tatement s een !f t ur A m Baran .e c n s [ s I s only of DuiliP ri?.g Promolianal lancing balanrar. For deferred interest 0 untying Pramooon handing, penodi- finance charge accrue during th grams onal par od tut are not added to your account balance. Instead, Ivey acr, emulate from tilling cycle to ailing cyrle !fa deterred interest Oualihing Promotional Precious balance IS 9otpaid in r"! h r ; pheable Expieltlon Date. the deferred finance charges will be added to your account aspen as the hrstday after the Expiration Date. turth r if .,I-`-t und4ithe terms of you Cc rdmeniber Agreement. the def r j h area charges ) be adders to your essunt as soon as the date of default. For fixed payment Clualif?ng Promotional Plrancmg that pam !ISyou to pay fora purchase [n a designaed number of payments you will not have a grace per ad for that balance as 1)BBach pivrrent includes a portion of the interest owed over the repayment Wrm for that punchy e Hoveever cou li I face a grace period on other new durchases as describer above BILLING RIGHTS SUMMARY In Case of Errors or Ouesb s About Your Bill: If you thi k y u bill is xrong or if you need snore inf ration about a transaction on your bill, :-write Cardmember Service on a parse sheet at P0. Box 15299 Wilmington DE 19850-5299 as soon as to Bible. We must hear Lr m yen no later than 60 dabs after we sent you the rst bill on shmh file riot or problem appeared You can telephone us, but ing so :nil not[-tv Journgh's In your letter dive its the follm+nm info don- • YOUI arne, and airount under • The dollar amount of the spear mr • Describe the error and e air if an an e ,hy you believe there !s an error It you need more inform on, descnhe the, item eu are unsure about Yeti do lot have to pay any,tmount in rjest(on v is pie are irdestigating. but van are, still obligated to ply the part c vnu I I that are hot in question Wht e "e investigato your uestion e ,anrct port yo.e as delinquent or take action to co.lecl the a punt y c µ estian j a_ have arronz:d us to pay your credit card bill au maticall-turn your savi-gs or the kn ! account you ear stop the payment rn any alm unt yo 1f ink is wrong to stop the payment. your letter or all (using the Carden -rib ``er tic, or telephone number shown r! this at mane m [ _a_at _St tre=e business days before the attomati palnh.nt is s a.duled N Special Rule for Credit ford Purchases If vi nave a pi brier nth the qua tr of goods or service that you p ire hissd ir, 11 a nedit a d excluding pun hases made with a chef and van have tr r n g--oil faire to orreat the plotderi vlib the rnemhan you m h c haaia to Lay rile remaining amount due on the goads or se 'reed. Y u have tors note coon c. ly ashen the prey hale pare *vas more n $Ja and trio cur Tarp was made in your home state or within 1 Go mines your mailing addles These !imitations do not apply it one ocvn or op to the meicnzn, i, if cue nealled you the adverb lament forthe prop yors [cites t M4.33 !),93 t Statement for account nuril New Baiancc Payment Due Date $4 701-89 06/21/08 AmeUP Pnclo-I ?$ ter: 4388 5760 2062 4196 Past Due Amount Minimum Payment P U N i T -E D $000 $11506 Mileal Plus- Make your check payable to Chase Card Services. New address or e-mail? Print on back. 43885760206241960001150000470189^900003 :,: i.>t EEx9 148080 IrrrIII,IrrL,!,Irrlrrllrrrl,lrrrrllrlJr,Jlrrl,LrrlLJlrrl MR BF COKE R RHODES - P:-1 BOX 615 CARDMEMBER SERVICE Nl V, CUMBERLAND PA 17070-0615 . PO BOX 15153 WILMINGTON DF 1 9886-51 53 I,,,IILrrIII,r,LrrIII,,,I1rrr1 1116111111116111II1116L1111 1:5000 i60 281: 2 36 60 206 24 196 41" Opening/Closing Date: dI U N IT ED Payment Due Date. Mileage Plus- Minirnum Pa%,nc-nt Due for Credit Access Line Tota Mioimu:'i Payment Due 04,'28/08 - 05/27108 CUSTOMER SERVICE 06/21/08 In U.S. 1-800-537-7783 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S - call collect $115 .00 1-847-888-6600 $11500 ACCOUNT INQUIRIES P O. Box 15298 Wilmington, DE 19850-5298 VISA SIGNATURE SUMMARY Account Number: 4388 5760 2062 4196 PAYMENT ADDRESS P O. Box 15V,3 Previous Balcnca $2,906.05 Credit Access Line $5,000 Wilmington. DE 19886-5153 Payment, Credit:, -$100.00 Available Credit $298 Purchases, Cash. Debits +$1,827.31 Cash Access Line $1,000 VISIT US AT: Finance Charles +$68.53 Available for Cash $298 www-chase. cc, m/united New Balance $4,701.89 MILEAGE PLUS MILES EARNED 1-800-421-4655 (Mileage Plus) Miles earnec this statement from purchases 1,828 1-800-241-6522 (Reservations) Total miles earned this statement 1,828 Total miles transferred to United 1,828 TRANSACTIONS Trans Amount Date Refers ncs Number Merchant Name or Transaction Description Credit Debit 04/30 24559308121900017652501 NETBIZ COM 503_-601.551.0 OR $50.00 05/0311251.42700005312362869 Payment - Thank You 100.00 05/06 2432318127116649010059 CARTRIDGE WORLD PAD#03 MECHANICSBURG FA 21.20 05/07 24071 X58129987173284437 BIZZUP SOLUTIONS 954-3220287 FL 105.55 05/19247921'28140207457700039 ABC SUPPLY CO INC 025-2 HUNTINGDON VA PA 1,520.67 05/1924869188141261495459898 REAL ESTAT8008047572-V 000-0000000 MA 29-95 05/20 24692168141000722282439 GRC`Jim Banks 4 OF 7 800-964-8393 CA 49.95 0512_' 24430A,8145400803221467 MICROSOFT `XBOX LIVE 800-469-9269 WA 49.99 FINANCE CHARGES Finance Charge Gaily Periodic Rate Corresp. Average Daih, Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .06573% 23.99% $3,475.14 $68.53 .$0.00 $0,00 $68.53 Cash advance==. V.06573% 23.99% $0.00 $0.00 .$0.00 $0-00 $0.00 Total finance charges $68.53 Effective Annual Percentage Rate (APR): 23.99% Please see I formation About Your Account section for balance computation method, grace period. and other important information. The Corresl APR is the rate of interest you pay when you car, e. balance on any trarfsaction category. The Effective APR represents your total finance charges - including transac...- f^es such as cash acv 3nce and balance transfer fees - expressed es a percentage. F 0 2 OCO y 9 27 08105121 Page 1 0 1 05058 MA MA 0562 14sl 000002000056230 X i - Address Change Request Please o cvide information below only if the address information on front is incorrect. Street eadress -___-___ City State -- Zip. ----- ---- Home nrfone. -- ---- Work "h?.me --- ---- ---- E-ma F,ddress. --__--___--_ Information About Your Account Lost or Stolen Cards: Please tepcrt your lost or stolen card imtnediarely oy ill ng t- stonier Service number found on the front of pour slat menl Adv sots r al /ays available to assist you. You can reach an Advisor by . essmg rfl iyoutote: /our a: count number. Crediting of Payments: For payments by regular U.S. mail. send at leapn your ,f in front :ra, aent file to our post office box designated for payments shown this it *cn'enf Your payments by mail must comply with the instructions -n miss Iterlent and must be trade by check or money order. payable it t S Dcn, s r-I draivn on or payable through a U.S financial institution or JS, b r h of a breign financial institution- Do not send rash. Wroce you aun: rnber on your ),heck or money order. Payments must be. npal Ly the Payment coupon in the envelope provided with or: through the envelope winnow. the envelope cannot contain yment or coupon, and there ran be no step as, pape clips, I see included with your payment If your paymer t is in _ am our payment instructions and is made available to us on any -camber 25 by 1 00 p in local time at our post offire box payments on this statement, we will credit the payment to your t not day. It your payment is in accordance with our payment I-tit is made available to us after 1 00 p.m. local time at at roost .. ?gnsted for payments on this statement we will credit it to your ml rl-y Ihlou do not for ow our payment instructions or 'd pay, se^r by regular U S. mail to our post office box -s gn d, pile Its -rediting of our payment may be delayed to up to days - to made electronically through our automated telephone :-[,re ( met Sarviuo advisors, or our web site will be subject to any anessur a rma disclosed for those payments. Account Information Reported to Credit Bureaus: We may report infornabor -cut yu :it;'cunt to credit bureaus. Late payments. missed payments or her deU It cn yor,r account may be reflected in your credit report. If you. unv cue reported inaccurate information to a credit bureau. you may rL, m s at the Cardmember Service address listed on your billing _atemen- Not a About Electronic Check Conversion. When you prcylde a -a k : °n'Ill you authorize us either to use information from your check mak, time electronic fund transfer from your account or to p-arced ern as a cheek transaction. When i,a use information train your - a on c fund transfer, funds may be withdrawn train your the same day is raceme your payment and you will not ba' from Your financial institution. Call the customer i on this statement if you have questions about ele,aronic. onto not want your payments collected electronically Conditional Payments: Any payrnentcheck or other farm of payment that you rams -rs than the full balance due that is marked "paid in fill' or -main ?rrirer notation orthat ?on otherwise tenderin full sadisfaciron c: C 'put,. amount must be sent to Card Services, PO Box 5049 Vi octc- )i IL850-5049. We reserve all our rights regarding these If it is determined there is no valid dispute or it any such check a' my other address, we may accept the check aid you rill dill ling balance). We may refuse to accept any such payment by dung i m. not cashing it or destroying it All other payments that you ke of - r o. sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee. it will be hiller c'I year n monthly installments. -nether or not you use your account d oil al t to pay it when billed. The annual fee is non-refundable ,less r onts u, hat you wish to close your account within 30 days of the date mail y ur statement art which the annual fee is charged and at the Sarre r you rear outstanding balance in full, Your payment of the and tai fee note" our lights to close your account and to linityour right F. make ac, lco t your aoco wit if your account is closed by you or us. We Will nu:: I it the annual fee until you pay your outstanding balance in I .nd re rate our account relationship. Explanation of Finance Charges: We calculate periodic finance charges, .sing the rp'?. ):able periodic,, rates shown on this statement separately for „_i h to -air re e g.. balance transfer/convenience checks and cash acvarn r-erks : hei? transa( Dor'1. purchases. balance transfers, cash any unces, r tie it itanies it oaerniaft advanres). Please consult your rdi Penn r agree-nent tot the features that are applicable to your card- d uauons may ombme different categories with the same daily ?11 1 to , I' Ilion is a 'V" next to a periodic rate on this statement. that - and the index and margin used to determine that rate and its APR are descnhad in your Cardmember Agra ,Mo It. as aninlrr urn furarce charge in any billing cycle in whuh you +ny fur finance harges and a transaction finance charge to each if t n,t,r cash ant f_or -heck transaction. in the amounlss4red in it ?m it be rAgreea t is amended. I. the I ; balance fc each day at the current billing cycle. we tare the rnnru : f n e for eacr. feature. add any new transactions or other debits ' dlr l , un[gafd fnan.a charges and other charges), subtmrt any a r -edits and make other adjustment,$ Transactions are added as t 1, < rt?corl date the beginning of the billing cycle in which they a:o r .cunt c a later date of our choice (except that the^k added as of the date deposited by the payee ora later pate of - are Added e h.-on the date of a related transaction the date / it r I o your account, or the fast day of the billing cycle. Thus gives it (i ally balan_e A ?adit balance is treated as a balance of ?ero_ It a I, rec. - ate applies to any feature we multiply the daily balance et the r ,, -- 1C gate to gar tour periodic 9nance charges for that day. W• then 7 add these periodic finance Varges to ycu: daily ' d3fice tc get the beginning balance for the next day. (1f more than one (faf prnodtr late eoula apph/ based on the average dailyppp balanr re .rf r is the daily p nod.- rate that applies for the average dai?balAnce amount at th old or Ili billing rcue to Galin lete the dally periodic dance the r, h dc,, , To out your total penor icifnance cha `or a L Iling cycle ;then a daily bariedic rate'-,) applies. werredd all of tl- penodlr finar charges for all tea urea. To determine an Verage dad - ,.c.- c.d void dal':. balances and no. C the number df the it , s I pp-rraole tilling : I s). If you muiaply me average daily-balance, for e__r leonine by the i,pl..,able daily parodic rate. and :hen multiply each c- These results by the uirc -u of days m the appil,rc', b,nntg coo le(sl, and then add all of the results together the total will also equal the pedof is finance charges lot the billing ;ycle. except for mine r variations due to Founding To get your total periodic finance charge for a tilling cycle when a monthly ceiriodm ra?elsj applies. multiply the average daily balance for earn feature by the door able monthly periodic rate and add the results together[. The total will equal the periodic, Crania charges for the billing cycle. except'Tor minor variations di e to rounding Grace Period (at least 20 days): We accrue parodm finance charges on a transaction. fee. or fill charge from the for, it is added to your dally balance until paymsnt in fill is received on your account However we do not charge periodic finance charges on ne / p trobases billed luring a billing cycle if we receive both paymentbf your New Balance or your rcrrent statement by the data and tine your payment is one and also pacr-tent of your New Balance on Vol oprevious statement by the data and true your oaymanl was due There s no grace period for bnlinse transt_rs cash advances. check transactions or careful raft advance s In cc lot. U there is a "Oualifying ifoinc l Financing' section on lei, statement. you tvilu not incur parcel, finance crarges on any Remaming Balance that appears in that section if you pay hat balance in ford by the applicable Expiration Date. However it yeti default under the terms of your Cardmember Agreement or any Qualifying nronviVonal Financing offer the applicable periodic finance charges will accr is on any Remaining Balance as soon as the billing cycle in yl the default occur; To avoid finance charges on neiv purchases when your Nee; Balance includes any Pau hide Balance(s) in the Quallfying Fromodonal Financing section pay yourfuil New Balance minus the total of those Remaining Balance( s) by the date and time your Payment is due. However. if your statement shovers that a if rimum paymert is due. rwa must receive at (east that min mum payment by the date and time speafied on youretatemeet even if you Nerve Balan-:e consists only of Qualifying Promotional Rnancing balances For deterred interest" Qualifying Promotional Finansmg. penoric finance charges accrue during the promotional perod Cut are not added to?our anna in`bi race. Instead, ley accumulate tom Idling o•ycle to billing cycle If a deferred rate rest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the real, it finance charges will be added to your account as $on as the first day after the Expiration Dare Portlier. if you defalt 's' d he tems of year Ca rzirnern bur Agree meet the deferre i finance chargei tbe addred to your ac Lunt as son as Ihs date of default For fixed payment' Quali g Prornotfona Finan hg that Penn i you to pay c -r purchase in a design d number of payment,, /oil will not have a grace period or that balance as ach rymant and td a porhon of the interest repayment rm fp ar that pumhas Hcrop ver oil )mill have a grace Period on other taw urchases as des-.r bec above BILLING RIGHTS suMM In Lase of Errors or Oue sAbout Your Bill If y on think your bill is :vr3nod or if You need more tin ration abort a trans win art lour null. wrote Cardmember Service on a locate sheet at P Pax 15299 Wilmington DE 19850 200 as soon asp sable We dust hr ear run you no later MAP 60 days after of Sept you the ist bill on vhicl- the nor or problem appeared You can telephone us. but Ing sc +nU lotoreser : your rights In /our letter give its the following inforriation. • Your nacre and account number • The dollar amount of the fluspected ardor • Describe the error and explain of or ran. trh cc, bell ve male is an color: It you need mom inform an. de nlle the Item a ere unsure about You do not nave to pay any mount in question or je -oe are investigating. Out you are still obligated to * the par of cow or that are rof in question Whir vie investigate you11uesbou v annct t port you a delinquent at take Action to coded the a punt y u question I you have authorized us It payyour CfadlCCaffl bill au maticallyf. our y err Sdel1Cs orchekmg account. you car stop the payment on any a. r. unt Pon it ik is wrong. To stop the payment. ,our letter or gill (using life :.aNmmbet Serv e address or telephone number shown r this statement) in u t mace u_ at least three business days before the a/tonnatic payment is s reduled to ,cert. Special Rule for Credit Ord Purchases: If o, h°ve a problem with the quality of goods or services tril p 1, 1 rt a credit a - excluding purchases made with a cheek). and VOL ha. re good faith to correct line erection with the rieonan -you may iul aay the remanirg amount due on the goods or se ices You ha.. vnotection only when the purchase price : ras more n $00 and the ore h n e as made in your home state or mh'.n 100 miles1your mailing addres. These limitations do not apply f1 e own or op ate the mernham if :.a rani ad you the advertisement forthe propety ors vl,.e_. NIA03 '119 Statement for account number: 4388 5760 2062 4196 N^w Ba:anCe Payment Due Date Past Due Amount Niinimum Payment s44. ," 07)22108 $0-00 $5100 Make your check payable to: Chase Card Services. Please write amcunt enclosed New address or r+-maii? Pnnt on. back 438857602062419600005100000444950000007 I_. =aEX917908C V R BROOKE R RHODES P%) BOX 615 NEW CUMBERLAND PA 17070-0615 N Ill N I T E D Mileage Plus- It..Illrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlt,rllrrlrlrrrllrrlirrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 L602131: 2 366:320P. 21, 11,96 Lit, W U N I T E D Mileage Plus- Opening/Closing Date: 05/28/08 - 06/27108 CUSTOMER SERVICE Payment Due Date. 07/22/08 In U S 1-800-537-7783 Minl!num Pa/ rent Due for Credit Access Line Toto Minirtnn-l Payment Due VISA SIGNATURE SUMMARY Previous Bala,ncc $4,701.89 Payment, Cn dd; -$5,038.56 Purchases, Cash. Debits +$735.01 Finance Char 1- +$46.61 New Balance $444-95 Espanol 1-888-446-3308 TDD 1-8C )-955-8060 Pay by phone '.-80)-436-7958 Outside U.S. call collect 1-847-888-6600 $51.00 $51.00 ACCOUNT INQUIRIES P.O. Box 15298 Wilmington, DE 19850-5298 Account Number: 4388 5760 2062 4196 PAYMENT ADDRESS P O. Box 15153 Credit Access Line $5,000 Wilmington, DE 19886-5153 Available Credit $4,555 Cash Access Line $1.000 VISIT US AT: Available for Cash $1,000 www. chase. core ited MILEAGE PLUS MILES EARNED 1-800-421-4655 (Mileage Plus) Mlles earnec this statement from purchases 736 1-800-241-6522 (Reservations) Total miles e ?,med this statement 736 Total miles tansferred to United 736 TRANSACTIONS Trans Amount Dato Referr nc:a Number Merchant Name or Transaction Description Credit Debit 05/27 24625738149281314375351 CITY OF HARRISBURG-PLG HARRISBURG PA $227 .79 06/06 11581;82700005452042065 Payment - Thank You 115.00 06/06 24071)58160987158970208 BIZZUP SOLUTIONS 954-3220287 FL 108 .88 06/12 1164164[700005469300522 Payment - Thank You 4,92 3.56 06/10 24254778163457683600059 JOURNAL PUBLICATIONS 1 717-2364300 PA 150 .00 06/17 24869188170261495459017 _ REAL ESTAT8008047572-V 800-8047572 MA - - 29 .95 06'19 24692168171000229792750 GRC'Jim Banks 5 OF 7 800-964-8393 CA 49 .95 06/22 24430+98175400804016976 MICROSOFT 'XBOX LIVE BILL.MS.NET WA 12 .50 06/26 24351'88179202976669186 _ PAYMYBILL 800-8206829 VA 155 .94 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accamulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Puntlases V 06573% 2199% $2,287.23 $46.61 $0.00 $0.00 $46.61 Cash advanr oc. V 06573% 23-99% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance charges $46.61 Effective Annual Percentage Rate (APR): 23.99% Please see Information About Your Account section for balanco 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 :is cash advance and balance transfer fees - expressed as a percentage. 11 1 _ 000 y 9 27 (18/06/27 raga t qtr 1 05058 MA %1A 1781- /9100()00X001.78190'. Address Change Request Please o'cvide information below only if the address information ?-it is incorrect. Stress, Address City State -- Zip. ----- ---- Home ='hone. --_ Work 'home. -__ ___ --__ 7 Erna -. c!dress L Information About Your Account Lost or Stolen Cards: PI ,i e n or lest or stolen card immedia sly by all ng to Cn, error Se, nu found on the front of your statement. A rvsorc a al rays ave. sl e to -sist you. You can reach an Advisor by ,e xl .4, you enter your faint number Crediting of Payments: =or payments by regular US. mad. send at least you. -r payment due to our post office box designated for payments shown t. Your payments by mall must comply with the it imctlons ent anti runs[ be made by check or money order, payable is 1. S Do. sand drawn on or payable through a U.S. financial institrion Or t e 5 b inch of a foreign financial institution. Do not Send rash. Write your :aunt L.r or your check o, money order Payments nest be "roempa, ed by the payment coupon in the envelope provided wirh out address v ab'e through the envelope window; the envelope cannot contain more than one cavmentor coupon, and there can be no staples, Pape clips, or c r rpondenrc arluded with your payment. If your paymert is in r rdan Atl our payment instructions and is made available to us on any ", exec'. 0 clamber 25 by 1 00 p.m. local time at our post office box ' es gnat, fo 1 avments on this statement, we will credit the payment to your aunt c ,I flat day_ If your payment is in accordance with our cayman: t acha,.I Cut is made available to us after 1.00 p.m. local time at our post face box resgnated for payments on this statement, %we will credit It T: Your ccu:r! a of ife next day. If veu do not follow our payment instructions or it _r payr en- is not sent by regular U.S. mail to our post office box gnate Ir payments d.reditiny of your payment may be delayed to up to days dyraents made electromcally through our automated telephone 'dr4ice L. Z, ner Service advisors, or our web site will be subject to ami kaocessm. D.r!es disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information tout you account to credit bureaus. Late payments. missed payments or [her defy ides an your account may be reflected in your credit report. If you 'rick yVe ride reported inaccurate information to a credit bureau. yo I map ?te to iS it the Cardmember Service address listed or. your billing ?to1-rent Notice About Electronic Check Conversion. When you prcvide a e f ?9ment. you authorize no either to use information from your check <.-Ili - lectionir, fund transfer from yam account or to p cress as a she transaction. When we use information from you, °'4nd transfer funds may be withdrawn from your ? area day ewe receive your payment and you v 0 riot i 'ore yore financial institution. Call the customs in this statement if Von have questions about ele,tromc r cc not'; want your payments collected electronically. Condition 11 Payments: Any payment check or other form of payment that you I than the full balance due that is marked 'paid in IiII ' or n_ ition. o' that ybu otherwise, tender in full satisfac ion of count must be sent to Card Services. PO Box '5049 Vi - 1 15850-5045 We reserve all our rights regarding these if it is determined More is ne valid dispute or if any such check any other address. we may accept the check and you will still +n ?nye ' a ping Leisure) We may refuse to accept any srch payment by -rr:niny -rc vou. not cashing it or destroying it All other payments thatyot ak- stn. c I. sent lc the appropriate payment address. Annual Renewal Notice: If your account has an annual fee. it will be billed _,r.n year v= monthly installments. irvhetner or riot you use your ac ' court 0, ;von a r is pay it vrhen billed. The annual fee is non-refundable doles' 1 Cody mat you ansh to close your account within 30 days of the date :ve mail , !r St?ment on which the annual fee is charged and at the same t'ne you ,. wrur outstanding balance in full. Your payment of the annual lee - ?ungars to close your account and to bmityour right to make your count dyourarcountis closed byyou or us.'.vewill nr,.; ye the annual fee until you pay ycuroutstanding balance in and to notice your account relationsMp. Explanation of Finance Charges: We calculate periodic. finance charges. ir, ri 'na. rul fable. per odic rates shown on this statement. sepamuvly for -ich 'r r e g balance [ransferlconvemence checks and cash a^vante Jed( transaction'} purchases. balance transfers, cash advances, in n balances or overdraft advances). Please consult your rim,, Agreement for the features that are applicable to your 'aid e car ancns may combine different categories with the same daily :die n I- there is a V next to a periodic rate on this statement that lu? fray r I and the index and margin :used to determine that rata red its r scan , fir APR are Jesnnbed in your Cardmember Agreement as n add r r s mini, um finance charge in any billing cycle in wehrrh;aU any p on finance h ryes and a transaction finance charge to ash e u: cash advance or :.heck transaction. in the amounts stted ,n CvI b_rAg eem nt a,amended. bat n , for am c ray of the current billing ;yds . we tare L29 ?In r- or.ech hatom add any new transactions or other labs I unpaid finance charges and other charges) subtract any ,i. _iI dds and make other ar lustments. Transactions an, adf'ed as t I, tiay r, date. the beginning of the billing cycle in •r nuch they ere nl. or a later date of our choice (except that °k n as of the date deposited by the caves ora later cat- f re r nine. ad^,d,nher on the late ofa related transaction. tf r re. your account.0 the last clay of the billing cycle This I s lw baiancc A credit balance is treated as a balance of ?. if at ap, is ny tcahn, ,w.. multiply the dallybalanc : the p vl? e t net your peicdlc finance charges for that day. Vv, thr-.n add these penodic finance charges to you, Jana o.oanea m gel the beginning balance to the next day. (h more than one Cady pi fate. could apply based on the avenge daily. balsa a we fall use L. lady p ncdi, ,ate that applies for the avenge daily belanr amount at Jur4 n' . of the billing n;cle to clru ere [ho daily periodic jjfiance rh rge -art d r, To get your total periodic -finance charge for ? b Iliog cycle ,Jaen a daily periodic, re. e(sl applies via add all of the daily periodic finance cntuges for all features. To determine an average daily balance . we. add yon daily balances and prance by the rwmber M the days in the apple able biiing eyrla(s) If you multiply the serfage rally balance for each faanhe by the applicable daily periodic, rate and then multiply earn of these results by the number of days in the applicable billing cycle(s), and then add all at the results together. file mfrol will also equal the periodic Imamr, charges for the Luling cycle, except for minor vanations due to founding. To get your total periedlc finance charge for a L,Ilmg cycle when a monthly penodm rareis) applies, multiply the average Cary [,lance for e h feature oy the asp I cable monthly periodic rate and add the resu![s togeth .The. total will equal Pe periodic f ran-, charges for the tilling cycle excep orminor variation 1[ e to reundiag Gaice Period (al least 204days): We accrue periodic finance ---harges on a trans? c fee. or hnancl charge from th=, de., t is added to your dally t:r payment in fu is received on your a,cotmt However. we do net charge periodic finance charges on new purchase billed curing a billing cycle If we r cei1 = In ,i yment of your New Balance of your ounent statement by the date. and time your payrilent is one and also pavmet of your New Balanr, on you previous staternedt by the, out, and lime your pagrnent was dui There is oo grace period for balarre ransfea. rash advances. cheek transactions, of overdraft advances In addl',on. if there is a "Qualifying Pvomotronal rinannng section on this statement van will not incur periodi hnaaoe riarges on any Rernaming Balance that appears in that section if you pay not balance in full by the applicable Expiration Date. However. f you defaut unar the terms of your Cardmember Agreement of any Qualifying Promohonal Financing offer the applicable periodic finance charges ,.fall acv ire, on any R training Balance as neon as the billing cycle in which the default occur. To a; oid finance charges on new purchases when your Nei Balance includes any Remaining Bal nce(sl m the OualilyingiPromotional Financing version pay your full New Balance moms the total of those Romancing Balanceisf be the date and time your payment is cue. Hi if your statement shoran that a minimum payment is due IP must hiceive at least that nolmoni payment by the can and time specifier) sn yourstaternent. even if you N-,, w. Balan:e zonsists only of CualifyinI Promotional Financing balance; For deferred Wait Qualifying Pmmooonal Friammg. periodic finance charges accrue during the promotional period Gat are not added to your accofmt balance. Instead, they accumulate from bdlmq cycle to billing -y-,e If a deferred interest Qualibi Promotional Financing balance is rotf:M m full by the appl'e,ble Expiration Date. the oefe(rto finance rharges wd II be, added to youraccount as seen as he fiistdoy at the expiration Date Further if ou default uncap the to d? of yo,i C nmembef A r eirent the deferred fisnce charges will be ad ied to yon' sr anon as torn as he date of default cor fix d nym nd Quali g Promot onei Finn rg that permits you to pay for a pun h ,se ie a design, it number of payment ,,oil will not have a grace panod or hat bal. face as ach payment incl,d a Portion at fine increv owed over the repayment Orin for that porches( Hantewr y o u „ill have a grace period on other new purchases as descnb bade. BILLING RIGHTS SUMMAW In Case of Errors or Quesfi sAbout Your Bill: if you to ink your bill is wrong or rf you need more ,nf ation about a tansirnon on your hilt write Cardmember Semare on a parate shed at PD. [fox 15299 Wilmington. DE 19850-5299 as soon as p sible. We must hear 'rorn you no later than 60 days after vie sent you the rst bill on -.which the enor or problem appeared You can telephone us. but ingso 'vtllaotpresen,rwour oghit n ,,our letter (five us the following infer atlon. • Yoer rams and c count number ,.,.:..mount of the juspected eirer • Des nbe tae ei I and e>xilam, if on an. , th c d b. Neva th re. is sn ono, If o ( n form on, JeAcr:re the rem o, are ire u, scout. You do not have to pay any mount in tiuesfion ehl e rte no investigating, but you are tiil obligated to y the Gans of you, Li I that air of in question While e nvestlgate your ueshon we. bonnet 1ep11your delinquent or take Action to collect the a ounl you question Vou has Stiffen- d us to pay your creditnotd bill au(?mafrcal y horn you a fag o charu i.°-:fall YOU car stop the paymentfpn any amount vo d thick is wronc To r N,e Payment. von letter or 411 (using the Cardmrnbe: S, r, al- or telephone number shown on this statement, nn, t rash uu at Ie-°t three business days delete the ayknnabc payment is s ine I to ccrur. Special Rule for Credit O1rd Purchases. II ton hnave prrplain wild the quality of gcods or services that you purchaserl I. -.relit arc [excluding cur ha res mad, with a clr*k , and you have trel n good fault to correct tine Prot lee vw th the merrhan? you may have to )ay the (enionirg amount due on the g cods at se ices Yo this ooteccan my rhen the put hase p i .e was more ri $ trila aril out d , , was Iran,, in your home state of othin 101' miles your ma he e for rations do not apply It o,rn gr op are A se. it n lid you rho adveb m at for the prop r or MCr,3i-Is Statement for account number: 4388 5760 2062 4196 New Balance Fayment Due Date Past Due Amount Minimum Payment / U N IT ED S",2 18 9 08/21!08 $0.00 $342.95 Mileage Plus- Make your check payable to: Chase Card Services. • Please write amount enclosed New address or ro-mai:'. ?-t on back 438857E,020624196000342950052?895000000 -Rf'f 9Px 920908c ?rn???r?rr?n?r?n lUllu r?r?nrrll rl rlr Yr ?Inlr'Inllnlllr' MR BROOKE R RHODES PO BOX 615 CARDMEMBER SERVICE NEW CUMBERLAND PA 17070-0615 PO BOX 15153 lu,ll?rn???nr?rn???nr??nrr??nur??r?r?nn??r?r?r?nr?? WILMINGTON Dl= 19886-5153 1:5000 X60281: 23660 20 6 24 X96Io Opening/Closing Date. 06/28/08 - 07/27/08 CUSTOMER SERVICE AV UN IT ED Payment Due Date.: - ------ 08/21108 800-537-7783 In U.S. Mileage Plus- Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-847-888-66on Minimum Pay. inemt Due for Credit Access Line Payment Due to• Balance Over Credit Access Line Tota Minimum Payment Due $10 0 $2325 ACCOUNT INQUIRIES $342.95 P.O. Box 15298 Wilmington, DE 19850-5298 PAYMENT ADDRESS VISA SIGNATURE SU MMARY Account Number: 4388 5760 2062 4196 P 0 Box 15153 Wilmington, DE 19886-5153 Previous Balanre $444.95 Credit Access Line $5,000 Payment. Crr dit, -$4.238.94 Available Credit $0 VISIT US AT: Purchases, Cash. Debits +$9,032.94 Cash Access Line $1,000 www. chase.com/united New Balance $5.238.95 Available for Cash $0 MILEAGE PLUS MILES EARNED 1-800-421-4655 (Mileage Plus) Miles earned this statement from purchases 8,973 1-800-241-6522 (Reservations) Total miles erred this statement 8,973 Total miles b;um;6_rred to United 8,973 TRANSACTII3NS Trans Amount Date Referr nco Number Merchant Name or Transaction Description Credit Debit 06/27 24692168179000138903003 _ KUBRA UGI UTILITY FEES WWW.KUB_RA.COM NJ_ $9.90 06/27 24692168179000138862563 _ UGPUTILITY-PYMTS WWW.UGI.COM PA 1,000.00 06/27 24625 738181281361326421 CITY OF HARRISBURG-PLG HARRISBURG PA _ 2,344.18 07101 ANNUAL MEMBERSHIP FEE 60,00 07/06 11881382700005575572601 Payment - Thank You 51.00 07103 24254776186457683600086 JOURNAL PUBLICATIONS 1 717-2364300 PA 150.00 07106 24071058189987150376286 BIZZUP SOLUTIONS 954-3220287 FL 108.88 07/10 24692168192000721155451 PPL ELECTRIC UTiuBMC 800-342-5775 PA 121.03 07/16 24869,188199261418564379 REALESTATE8008181- 54-V 800-8181154 IL 29.95 07/18 12002)02700005626912589 Payment - Thank You 4,187.94 07/18 24717?58201582013092875 AIR NZ 0867228910198 DELRAY BEACH FL 1,132.52 0920081 U MDT PHIL 2 U PHIL LAX 3 KO LAX AKL 4 KO AKL LAX 07;18 24717158201582013092933 AIR NZ 0867228910300 DELRAY BEACH FL 1,346.38 0920081 U MDT PHIL 2 U PHL LAX 3 KO LAX AKL 4 KO AKL LAX 071'8 24792x28201246900412558 USAIRWAYS 0377228910322 uE,-rcHY BEAC FL 1,132.52 0920081 U MDT PHL 2 U _ PHL LAX 3 KO LAX AKL 4 KO AKL LAX 07118 247171)58201582013254103 AGENT FEE 8908113883572 ARCADE TRAVEL FL 31.00 0118081 Y XAA XAO 07/'8 24792ti28201246900412566 USAIRWAYS 0377228910324 DELRAY BEAC FL 1,346.38 0920081 U MDT PHL 2 U PHIL LAX 3 KO LAX AKL 4 KO AKL LAX 07,121 24692 i6E1203000946573626 GRC`Jim Banks 6 OF' 800-964-8393 CA 49.95 07125 24692168207000476320436 J2'EFAX PLUS SERVICE 323-817-3205 CA 170.25 -t 000 Y 9 27 C810712 P?y'± 1 01 2 05058 MA MA 1481F 209100000200 481801. Address ;,range Request Pieasa p,ovide information below only if the address information on front is incorrect. Stree edress ------------__----- City State Zip ----- ---- Home tone. Work -ilone- -- E -ma :.ddress ------------------.- L Information About Your Account lost or Stolen Cards: Please report your lost or stolen card or media cry Ly Ming th C :;comer Seu cc, number found on the front of Vour star ident AdvisofS -,[pays available to assist you. You can reach an Advlror is essmq -,her you enter /our account number Crediting of Payments: For payments be regular U.S. mail, send at leastyetu Imrnurn aayment due to our post office box designated for payments shown rr this su -went Your payments by rnail must comply with the fnstnations -n *his s: cl ent and must be made by check or money order, payable in 3 S Dolh s and drawn on or payable through a U.S. financial institunon or U.S. r fu In of a foreign flnanaal institution Do not send cash- Write your °-.nt unbar on your check or money order Payments must be rupar.?, by the payment coupon in the envelope provided with our ess si e through the envelope window: the envelope cannot contain aayment or coupon, and there ran be no staples, pope.- clips_ enforce included with your payment. If your payment is in nth our payment instructions and is made available to us on any ;acember 25 by 100 porn local time at our post office box ii?cte it payments on this statement we will credidthe payment to your -;unt s I !oat day- If your payment is in accordance with our peyrnent :,trueti :: Cut is made available to us after 1.00 p m. local time at our past 'tlw beat de signated for payments on this statement, we will credit it to your c unt a er Ire next day. It you eo not follow out payment instructions or I'' -cif is not sent by regular hS. mall to our post office box f r ayrnenis. crediting of your payment may be delayed to me tc rents made electronically through our automated telephone _.._m .• Service advisers, or our web site %oif he subject to any -es disclosed for these payments. Account Information Reported to Credit Bureaus: We Tray report information ,boot , , - account to recent bureaus. Late payments. missed payments or uh..r detr:h, ?n your account may be reflected in your credit report. If you : urn! ewe tie reported inaccurate information to a credit bureau. you inay de to Is A the Cardmember Service address listed on your billing s:atemer [lore About Electronic Check Conversion When you provide a n kasLa Trent ,on authorize userther to use information from your check nn- r 'irne electronic fund transfer from your account or to process i, a check transaction- When we use information from your =1-1trcmc. fund transfer, funds may be withdrawn from your is the same day we receive your payment, and you will not r. back from your financial institution. Call the customer on this statement it you have questions about eleotronir c? or do cot slant your payments collected eiebtronI tally conditional Payments: Any payment check or other form of payment it at Voc -r than the full related dne that is marked "paid in fill' or it notation or that you otherwise tender in full satisfaction of -count. must be sent to Card Services, P0. Box 50,19 - 19850-5048. We reserve all our rights regarding these n it is determined there is no valid dispute or if any such check r other address. we may accept the check and you e.ill s[l Ong ba[ancei. We may refuse to accept any such payment by -woiuny : nr. not cashing it or destroying it. All other payments ltatybu '.a., she sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed e?chyear cr n monthly installments whether or not you use your ar,,,ount ad you a Ir.e to pay it when faired. The annual fee is non-refundable -,mess -;n nonh- r: hat you mash to close your account within 30 rays of the date marl v .:c sttement on which the annual fee is charged and at the some yon: ar zour outstanding balance in full. Your payment of the annul fee .nosnote c -: cur rightsto close youraccount and to Iirnityour righth: make rasacric son your account. If your account is closed by you or us. we will n hue 1- I age he annual fee until you pay your outstanding balance in and la iI, ; cgr account relationship. Explanation of Finance Charges We :alcu ate periodic finance charges. in1 toe In, liable perhoul rates shown on this statement separately for -! tear re e go, balance transfer/convenience checks and cash occulter .:k4 r'k tran9aci,on i. purchases. balance transfers, cash advances uidon,; 1 valances or overdraft advanresj. Please consult your r Inc -Agreanif for the features that are applicable to your nand n -,cl ..;Trans may combine different categories with the samE daily 1 r.r f there is a V" next to a periodic rate on this slaremert. that n a n d'her index and margin used to determine that rate and is r s, .nurr APE, are described rn your Cardmember Androids II as ncriderl I e pa minimum finance charge in any billing cycle in whi;h you lie a : -r r7m finance charges and a transaction finance charge foreaeh a rrA,r cash advance er check hddencuon in the amounts stated In i Ce-, ter Agreement. as amended. balance for earth day of the current billing cycle, we take the l af reach feature add any new transactions or other debits ! ^^ r. unpaid finance charges and other charges;. subtrazl any tedua and make other adjustments Transactions are added as I on date, the beginning of the billing cycle in which they are dr aeooum, or a later date of our ehorre (except that check added as of the date deposited by the payee ora later date of -= are added either on the be Ste related transaction. the date to your account. or the last day of the billing cycle. This gives n Iy balance A credit balance is treated as a balance of taro it ac, - rate applies to any feature. we multiply the dally balance by the C rt; r ate Ic get your perhdic finance charges for that day W• then Y 7 add these periodic, finance charges to ;'our danv balance to all the beginning balance far the next day Qf more than one daily pe-odic, r 'd a°nly ca ed m the average 'ailt{balanr e will r s h..aily - r-'° that apt ac, average daijbalanre anauni it till, 1 of7 r g to daily consent name charge, each c a; To get your total ccri odicJnance charge for a inning cycle when a daily periodic mild; ,p„res. we'!ed all of the daily reriodm finance charges for all features To determine an Average daily balance, tie add your daily balances and diode by the number df the days in the applicable billing cycle(s) If you munlply the average daily balance fo; ic&r feature by the app!icaola daily penodio rate and then mulliply each of these reshIts 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 lot the billing cycle except for minor variations due to founding. To get your total periodic, finance charge for a tilling cybie when 4 monthly periodic rate(s) applies, multiply the average. daily balance for e h feature by the apply :able r onthly periodic rate and ad the results toaeth . The total !gill equal bra parr dic finance charges for the billing cycle except orminor vanations die to minding. Grace Period (at least 20'days): We accrue penodic finance charges on a transaction. fee. or finance charge from thy. date it is arlded to y0nr 'lady balance until payment in full is received on vour account. Dewever live do not charge rerufdic finance ohafges on new purchases billed during a billing cycle if we ie?e'rya both peyrnent bt your New Balance or your cu I I e n t stateto e11 t It y the date. and time your payment is due and also payment of your Nevc Balance on you, pr=evious statement by the date and time your pay rat nt was due There rs no grace period for baran°.e transfer,. each atven"s. check trap ar.tions, or overdraft advances. In addition. •f flier is a "Qualifying Pronaotra a nancmg secfmn on this staterri yon will not incur periodic finance ranges on any Remaining Balance that appears in that section it you pay :rat balance in full by the applicable Expiration Date. however. if you detail t under the. taros of your Carimember Agreement or any Quahfyinq Promotional Financing offer. the applicable periodic finance charges enll turnip on any Remaining balance as soon ac the billing cycle in which the default cecui , To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(sl in the Qualifying Promotional Financing section. pay your full Nov., Balance minus the total of those Remaining Balancals) by the dam and time 'lour payment is due. However it vour statem rat shows mat a minirmmr paymert is due. nee must receive at least list min mum payment by the dale and time scooted on yourstateme- even it v3u Near Balar. ., consists onh, of Qualifying Promotional Financing balancer For deferred interest Qualifying Pronotonal Fin uring. I:enodm finance charges accrue during the promotional perod Luc are not added to your accoun- balance. Instead, they accumulate f on billing cede to billing r;'de Ita deferred interest Qualifying Promotional Financing balance is not paid In full by the applicable Expiration Date. the deferred hnam:e eharyes ,',fll be added to your account as soon as the first day aft f the Expiration Date. =u th if Vou default under the terns of rrom G r hcember Agreement flit dole ,..,^-e charges will be added to your 'u nil' as soon as rh_ date of aeu for tix,I raynne,i Qualifing Promotional finan ng that pe units you rc pay for a p uchase In a designa it number of paymer s you will not have a grace period lot that balance as each payment include= a portion of lie interest waved ova: the repayment term for that purchase however you will have a grace period on ether new purchases as dessrbec' above BILLING RIGHTS SUMMAW In Case of Errors or Questions About Your Bill If yo, think ycur hill is wrong or if you need more infafmation about a transaction on your bill. write Cardmember Service on a beparate sheet at PC. Cox 15249 Wilmington DE 19850 3298 as soon as p able. We must hear 'rem or no later than 60 days after sae sent you the first bill oil vhrek the Error c prod m appeared You an telephone us, butrAingso llnotpro ,rv. ioit ghs. In.oar le*ter give as the following mfor*tion. • Your earn _= and ac;ormt number • The dollar amount of the 6uspected goon Desri be the errorand exlpIain. byou can r,h/ yam believe there is in error If you need more mformayon, describe the dir,n mu are unsure about. You do sot have to pay any mound in question while ac, are investigating, but ou are sun obligated to the puts or %n I that are not in question While vie iavesuyate your ueshon annot or yon as delinquent br take action to collect the athount you gr,estior. If you have authorized us to pay Voc credit card bill automatically f o:, yOil _ ideas or checking account you can stup the payment on any an oLnt vcu Ink IS wrong To stop the payment. your letter or rill (using the Cardmember Service address cr telephone number shown or, this staciden0 mu reach uc A lc --,t tl2e business days before the al]tomatic payment 11, s iedt led m .cr Special Rule for Credit rd Purchases: If t a ?e a problem ooth the quality of goods or service$ thatyou pu,r-leased •, th a rredil =d ,., its purchases made with a check), and yin have nee n good fa- t to the problem wuh the merchant, you on y , a[ have, to pay the re ainmp not due o the, goods or services. You have II etection only iP' the cur ha e pd7e,vas more t*n $50 and the pidha e we, ria in to state or :rthin 10C miles qf your mailing ard'-s. These limitations not apply if are ouvn ar operate the nrerohent rr U vvi mated lou the adve tried nent for the propilrty or se rea ? es. MA(1709 Opening/Closing Date: 06/28108 - 07/2'/08 Account Number 4388 5760 2062 4196 Page 2 )f 2 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balarce ' enodw Rate Fee Fin Charge CHARGES Purchases V .06573% 23.99% $0.00 ?.:.J $0.00 $0.00 $0.00 Cash advances V -06573% 23,99% $200 $0.00 $0.00 $0-00 $0.00 Tntal finar, ^ , targes $0.00 Effective Annual Percentage Rate (APR): 0.00%, Pb:as^ sec In-ormation About Your Account section for balance computation method. grae} period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any tr#nsachon category The Effect,e A'?R represents your total finance charges - including transaction fees su(:h as ca ;h advance and balance transfer fees - expresser) as a percentage. 1 n9:1( Fl' ;' I C 2 000 V 9 27 0W07127 Page 2 or z 05058 MA MA 14H 2J910000020901461802 Statement for account number: 4388 5760 2062 4196 New Baianm Payment Due Date Past Due Amount Minimum Payment :A 686 11 09/21/08 $0.00 $146.00 Make your che<:k payable to: Chase Card Services. Please write am aunt enclosers New address or e-m j- - - 438857602062419600014600004686180000005 h 3EX 9 24008 C MR BROOKE R RHODES PO BOX 615 N I:V'.' CUMBERLAND PA 17070-0615 NUIN ITED Mileage Plus- CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19.86-5153 1:5000 160 281: 23660 206 24 196 It, Opening/Closing Date. W U N I T E D Payment Due Dab? Mileage Plus- Minimum Paymert Due for Credit Access Line Tota Minimun Payment Due 07/28/08 - 08/27108 CUSTOMER SERVICE 09/21/08 In U.S. 1-800-537-7783 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect $146.00 1-847-888-6600 $146.00 ACCOUNT INQUIRIES P-O. Box 15298 Wilmington, CE 19850-5298 VISA SIGNATURE SUMMARY Account Number: 4388 5760 2062 4196 PAYMENT ADDRESS P.O. Box 15153 Previous Bab.:ncz $5,238.95 Credit Access Line $5,000 Wilmington, DE 19886-5153 Payment. Crrllts -$1,150.00 Available Credit $313 Purchases, C ash. Debits +$497.39 Cash Access Line $1,000 VISIT US AT: Finance Charges +$99.84 Available for Cash $313 www chase. cum/united New Belanrc $4,686.18 MILEAGE PLUS MILES EARNED _ 1-800-421-4655 (Mileage Plus) ------- --- Miles earner' this statement from purchases 498 (Reservations) (Reserv? ) Total miles e: arned this statement 498 Total miles ban Jetted to United 498 TRANSACTIONS Trans Amount Datc Refere nce Number Merchant Name or Transaction Description Credit Debit 08'01 12142142700005710659125 Payment - Thank You $650.00 08/02 24071:68216987100388982 BIZZUP SOLUTIONS 954-3220287 FI_ 30.00 08/05 24071 )58219987174908316 BIZZUP SOLUTIONS 954-3220287 FI- 119.99 08/05 24254 %78219457683600038 JOURNAL PUBLICATIONS 1717-2364300 PA 150.00 08/09 24692168222000218858587 YAHOO SEARCH MAR<ETING 866-878-4104 CA 30.00 08/1:! 24692168225000543677766 COL`HOUSE VIDEO CLUB 800-262-2001 IN 27.50 08/15 24692168228900901546782 _ YAHOO SEARCH MAR<ETING 866-878-4104 CA - 30.00 08/16 24071'.58230987179492709 FORECLOSUR8884213597 888-4213597 MO 29.95 08/18 24692168231000311186620 GRC`Jim Banks 7. OF 7 800-964-8393 CA 49.95 08/19 24692 1682 32000362139568 YAHOO SEARCH MAR<ETING 866-878-4104 CA 30.00 08/x'0 12332 X32700005796882739 Payment - ThankYou - 500.00 FINANCE CHARGES Finance Charge Gaily 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 .06573% 2199% $4,899.6 ' ?_ _... $0.00 $0.00 $99.84 Casa advancm. V .06573% 23.99% $0-00 $1100 $0.00 $0.00 $0.00 Total finance ,harges $9984 Effective Annua Percentage Rate (APR): 23.99% Please see hdormation About Your Account section for balance, computation method, grace period. and other important information. The Corresp:,ndwg 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 - inclcding transaction fees such is cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Earning Mileage Plus Miles never tasted so delicious! Earn triple miles or more, plus frequent bonus miles, with Mileage Plus Dining. Your Mileage Plus Visa is already enrolled, so simply create a Mileage Plus Dining profile at united. com/dining and upgrade before your next dine! I?i100f; 'IS:, i Li 2 000 V 9 17 08108/27 Pay, 1 of 1 05058 MA MA 05672 24010)0020D00%720 [1 k .r Address Jrange Request Pleasrr urovide information below only if the address information on front is incorrect. Street acdress -_-----------__---.- -fly ------------------ State -- Zip. ----- ---- Foeme ..rcne. --- --- ---- JVork ^f,one. --- --- ---- E-mei ??ccress. ------------------- 7 Information About Your Account Lost or Stolen Cards: Please report your lost ai stolen card nmnedto ely by ling Vi (,,I omen Ser ire number found on the front of your shhtment isors jjays available to assist you You can reach an Advcor by rre.sir; qtr yon, enter /mlrac-,ouotnumber Crediting of Payments: For payments by regular U.S. mail. send at leant Vern I, inimar ,r/mert due to ourpost office box designated for payments :hover tit s rt tire it. Your payments by mail must comply with the instructions r this it rient. and must be made by check or money order payable h. J S. Dolly s rind drawn on or payable through a U.S financial Instibrion or l.S. c mrh ofa foreign financat institution. Do not send cash. Write your sr count her on your check of money order. Payments mist be arson by the payment coupon in the envelope provided writ our times v through the envelope windol,f the envelope cannot contain .,ra, yf l -11 or coupon, and there can be no staples, paper clips uarom,,r e included with your payment If your payment is it coda- vur payment instructions and is made available to us on any ex aber 25 by 1.05 p.m. local time at our post office box fi rayments cn this statement. tie will credit the payment to your r ind e.. a fiat day It your payment is in accordance with our payment tructror , tut is made available to us after 1 00 p m. local time at ourpost ruin box desgnated for payments on this statement. vie will credit it U your r-. r,ormta (I next day If you do not follow our payment nstructiors or it .-ur payr rr its no, sent by regular U.S. mail to our post offi(, box senate r ynen's, crediting of your payment may be delayed far up to vs -uls cut'- elertrocicaliv through our automated telephone wrv,. IF ;e advisors, or our web site will be subject m any ,In ryes disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information cunt to credit bureaus. Late payments. missed payments at c= on your account may be reflected in your credit report. If you r. i r- v, rencrted inaccurate information to a credit bureau. yo, may r,ruc tc '.s. it the Cardmember Service address listed on your billing _*a! anent I About Electronic Check Conversion. When you prcvide a ca . us t _ ?n eft yow authorize us either to use information train your check `ake , on, time a achoonic fund transfer from your account air to p cress I payer is a check ransacton. When we use information from your ,i k m :n electronic fund transfer funds tray be withdrawn foovt your c.-r tut a scan as the same day we receive your payment, and you will not - -;heck back train your Financial institution. Call the customer er on this cfetement if you have questions about electronic i or no not :Want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you -end it, f r I-ss than the full balanctf due that is marked 'paid in f ill or =n am, , ooilar rotation. or that you otherwise tender in full sansfac ion of dispute I amount, must be sent to Card Services. P0. Box 5049. Wilmir. A 15850-5049. We reserve all our rights regarding these -, nbi- I if iris determined there is no valid dispute or it any such check any other address, vie may accept the check and you will suit ring balancel We may refuse to accept any such paym.nt by you. not cashing it or destroying ItAll other payments trityor 11: :eat to the appropriate payment address Annual Renewal Notice: It your acro_mt has an annual fee. it will be billed an . it in monthly installments. whether or not you use your acmount, You a - tc paw d when billed The annual fee is non-refundable mless -- tint you r!ish to close your account within K days of the date anent on which the annual fee is charged and at the same outstanding balance in full. Your payment of the annual tee I..ir rights to close your account and to limityour right is make our pmt. If your account is closed by you or us. we will trm annual fee until you pay your outstanding balance in if I re your account relationship. Explanarir n of Finance Charges: We calculate periodic, finance charges, rl role periodic rates shown on this statement separatoly tar .. balance transor'convenlence checks and cash acvanee -< transaction -!. purchases balance transfers. cash advances, balances or overdraft advances). Please consult your Agreement for the features that are applicable to your card. ions may rombme different categories with the some daily -s I there is a 'V' next to a permdic rate on this statement. that =rd and the index and margin used to determine that rate end its Iu APR are described in your Cardmember Agreement as - is a urnmum finance charge in any billing cycle in which you - -r; Lunatics charges and a transaction finance charge fo -each r cash ack ante. or check transaction in the amounts stated in nit 'o moer Agreement as amended iir ,'at each day of the current billing cycle we tri the for e :h feature. add any new transactions or other debits r mpaid finance charges and other charges), settle,t any is and make other adlusunents. Transactions are added as r date. 'he beginning of the billing cycle in which thuy are runt, or a later date of our choice (except that check r coed as of the date deposited by the payee ora later pate of - cure tided euheron the date of a related transaction. the date -unl or the last day of the billing cycle. This gives - A c-did balance is treated as a balance ofzaro If i o any feature wa rnulfiply the daily balance oy the r L to -I ynur periodic finance charges for that day W,? then add rustic finance barges tc your daily t-dance to g the beginning ire next day. f more than one dare, periodic . to could apply based :in he avenue dealt baton ve coal use he daily p nodi, rate that apple-` to. ho ^, "', dal b2nn'ca c pawn a1 Ili and of h Filling cycle ec cal late Line daily perodic pence charge ear.h day i To get ;our total periodic finance charge for a billing cycle .vher a daily periodic rag(s) applies weaned all of the dal!v per)ow finance charges forail features. To determine an gYerage daily balartre vie add you daily balances and din de by the nwnber r he days in the applicable billing cycle(s) If you multiply the average dally balance to each food,rr, by the applicable daily periodic rate, and then mumply each of these results by the number of davs in the rp dlcable billing cycle(s) and then add al of the rest is together thr total will plot, equal the tie odic hnan e charges to the billing ry le, except forminar a lotions due adding a per your u rat tie odi finance imarg, for a billing rycla when d monthly periodic ra?a,s) applies, multnly the average dmly balance foreth feature by the such a51e monthly periodic rate and add the results togethel. The total will equal e penodm France charges forthe cilhng cycle. exceptfor minor variations dine to rounding. Grace Period (at least 201days). We acc ue act cap fnan.e charges on a transaction fee. or financd charge from the Jar, It is added to your daily balance until payment in full is received on your account. However. ;me do not charge nenodic finance charges on nerve purchases billed during a billing cycle fiwe reserve both payment of your Nava Balance or y our current statement by the date and tune your payment is cue and also parrmentoryour NEw Balance on your previews statement by the date and rune yow paymant was due There is no grace period for bnll_;e transfers. rush id inres. check transactions, oroverdraftadvances. In addition. if there is a "Qualifying Promotional rmmort section on this statement. you will not incur perodie finance -narges on any Pemaimng Balance that appears in that section If you Gay 'hat balance in 'colt by the applicable Fxpiration Date. However it you defau t under the terms of your Cardmember Agreement or any Qualifying Floor, Final r nanemg offer- the applicable periodic finance charges will acnrue or any Remaining 3alrut as soon as the billing cycle in Which the defau'c ctcur; To avoid finance charges on nevv purchases when your V, Balance includes tiny Remaining Balanceisl It the Qualifying Promotional Financing section. pay your full New Balance inipus the total of Those Remaining Bolan e sr by the gat, and tune you[ payment is rue Ha ver. it your statern r! `banns that a nuffirmun payment I° ^nc Must Pill at least that mincrum paymant by the date and bra sr i I n your¢tatement even if y a Vew Eala l ,e oohs sts only, of Qualifying Promotional Financing balances For defer d interest' Qdildlifying Promotional Fnancrg, penodir, finance charges accrue during the' promotional period nut are not added to your account balance. Instead, trey accumulate train b ding cycle to billing cycle 'f , deferred interest Qualif?Ing Prcmetional Financing balance s not paid in ful! , 'u= applicable Expi hon Date, the defer, - finance charges v ill be account as?on as the 'irstday afu.r the Expiration Date Further if !ou dt und# the to rn of o,j C emember Ar,2.ment the deferred gas WIN be added to ,ow cc unt as corn as ,he date of Mount For fixed payment Quallfy(ng Promotional Financno that pennitsyou to pay fora purchase in a ciesignaid number of payments. you mill not have a grace period for that balance as each paymnnl incho r portion of the rmerrst owed oiler the repayment term for that p. rhasu However o: mill have a grace period on other newourchases as descibec above. BILLING RIGHTS SUMMA In Case of Errors or (In 1i `About Your Bill Ify)uthe kyour bd iswrong. or if you need more inf ation about a transaction on o - bill ante Cardmember Service on a leparate sheet at Pr [ox 15 '99 Wilmington. DE 15850 299 as soon as p sidle We must hear rots you ro later than EC days aBer ere sent you the rst bill or, ihich the eno, or problem appeared You pan telephone us. but ling so gill notpoeserv on, Ight.. t your letter give us the fc0 ieg inforrietion. • Your rame and account number • The dollar amount of the suspected arr.r • Describe ills error arid e tin it on ar w it in c bh,ve tare, is an a?ror If you need more inform on, de orbe the Mu 'o i are rn,uie about. You do not have to pay any mount in question oboe:ve are investryating. bur you are still obligated to the parts or your Lill that are not in question. While mve investigate your uestior ve cannot report you as delinquent or take action to collect the a ount you question I1 you have .uthorzed us to pay your credit ra«I bill au matically from your savipgs or cheeking account you can stop the payment n any arceuN you tlmk is wrong. To stop the payment, your letter or I fusing the Cardin?mbar Service address or telephone number shown It this statements an rt recom us it laast three business days before the omatm payment is sr;heduied to occur. Special Rule for Credit rd Purchases: If 1ou have a problem with the quality of goods or service mat you purchased flf aeredit -ard excluding purchases made with a ch i, and you have toad It good faith to Correct the problem with the memhan you may net have to say he renaming amount due on the goods or se ces. You have this ,roteetion only when the purchase price Was more n $50 and the puncher., ?vas mat in grin ful e state or within 100 miles your mailing address 'hose rmutation., do not apply d vie m,nn or opllinate the n rcgant if va nulled you trio advertis menu for the prophry or s -vi res. MAp?I`.?08 State men t for account number: 4388 5760 2062 4196 Nev, Balance Payment Due Date Past Due Amount minimum Payment AV U N I T E D S' 392-' 10122'08 $0-00 $539.1 Mileage Plusm ?I. Make your check payable to ry? Chase Card Services. W Please write amount enclosed. New address or ?a-mail? Print on back 438857E5132062419600053917005382170000008 fI. tf''.i FFx 9 27108 G 111.11! I:1 ?1I 111111[ II'11111'1111111'1I1111111I1I111II11?I11' MR BROOKE R RHODES PO BOX 615 CARDMEMBER SERVICE NEVC CUMBERLAND PA 17070-0615 PO BOX 15153 WILMINGTON DI= 19886-5153 I: 5000 160 281: 2 3660 206 24 X96 Lm " Open ing/Closing Date. 08/28/08 - 09/27/08 CUSTOMER SERVICE / U N I T E D Paym ent Due Datr.: 10/22/08 In U.S. 1-800-537-7783 Mileage Plus- Espanol '-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect . '-847-888-6600 Minimum Pay nent Due for Credit Access Line $157.00 Paym(ant Du( for Balance Over Credit Access Lin e $382.17 ACCOUNT INQUIRIES Tota Minimu. i Payment Due $539.17 P.O. Box 15298 Wilmington. DE 19850-5298 PAYMENT ADDRESS VISA SIGNA'rURE SUMMARY Account Number: 4388 5760 2062 4196 P O Box 15163 Wilmington, DE 19886-5153 Previous BaG.nre $4,686.18 Credit Access Line $5,00(1 Payment, Credits -$327-50 Available Credit $0 VISIT US AT Purchases, C ?is[, Debits +$920.19 Cash Access Line $1,000 www. chase.ccm/united Finance Char:te,. +$103.30 Available fo1 Cash $0 New Balance $5,382.17 MILEAGE PLUS MILES EARNED 1-800-421-4655 (Mileage Plus) Miles earned this statement from purchases 893 1-800-241-6522 (Reservations) Total miles eamed this statement 893 Total miles temsferred to United 893 TRANSACTIONS Trans Amount Date Refen nc,? Number Merchant Name or Transaction Description Credit Debit 08/28 24692168241000420046663 YAHOO SEARCH MARKETING 866-878-4104 CA $30.00 09/(11 2469216,R,245000857469723 YAHOO SEARCH MARKETING 866-878-4104 CA 30.00 09/02 12462462700005849167986 Payment - Thank You 300.00 09/05 24692168249000382128642 YAHOO SEARCH MARKETING 866-878-4104 CA 30.00 09/04 24071 )58249987111361961 BIZZUP SOLUTIONS 954-3220287 Fl- 19.99 09/08 24755928252732523428426 PHILADELPHIA CONTRIBUTION 215-6271752 PA 236.00 09/08 24755728252732523428434 PHILADELPHIA CONTRIBUTION 215-6271752 PA 205.50 09/08 247_55.128252732523428442 PHILADELPHIA CONTRIBUTION 215-6271752 PA 272.50 09/09 24692168253000844737660 YAHOO SEARCH MARKETING 866-878-4104 CA 30.00 09/10 74692168254000971943531 COL`HOUSE VIDEO CLUB 800-262-2001 IN 27.50 09/12 24692168256000206937855 YAHOO SEARCH MARKETING 866-878-4104 CA 3000 09/14 24430998259400800019056 MICROSOFT 'XBOX LIVE BILL.MS.NET WA 6.25 09/"6 24254-178261467870530184 BARM FORECLOSURE ALERT 888-4213597 MO 29.95 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 06573% 23.99% $5,069.65 $10:3.30 $0.00 $0.00 $103.30 Cash advanc ve V.06573% 23.99% $000 5(100 $0.00 $).00 $0.00 Tota' finance charges $111s.3U Effective Annual Percentage Rate (APR): 23.99% Please see If formation About Your Account section for balance computation metho0 orate 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 - inclLding transaction fees such as cash advance and balance transfer fees - expressed as a percentage. ^.Ii01: FIS, 1 f- 2 000 y 9 27 08109127 page 1 of 1 05058 MAMA )981 / 27010n00020000981701 X !, , Address Change Request Pleas- provide information below only if the address information on front is incorrect. Smee,4adress -__-____________ City ------------ State -- Zip ----- ---- Home Fhcne -- ---- Work 'h.>ne ---- E-mar :address L Information About Your Account Lost or Stolen Cards: F..,,.r Ieport your lost or stolen card immediately by it P, it the r sto I-I number found on the front of your statement ldosor_ r ii a able to assist you You can reach an Advisor by pressing a aft,i you enter your account number Crediting of Payments: For payments by 10 S _ mail. send at least your inimmur- ay Tent due to outpost office box designated for payments shovm Or this Of air Your payments by mall must comply vath the instnictlons m ths st A rnent. and must be made by check or money order payable in 5 Doll, -d drawn on w payable through a U.S. financial institution or S ofa foreign financial institution- Do not send cash -Wri:e your let on your check or money order. Payments must be tv the payment coupon in the envelope provided with our - through the envelope window the envelope cannot contain oayment or coupon, and there can be no staples, pope clips. condynce included vnth your payment. If your paymert is in teeth our payrnent instructions and is made available to us on any ex?- : Cactol 25 oy to0 pm . local time at our post office box gn- I fc: payments on this statement, we will credit the payment to your tit s I that day If your payment is in accordance with our ryment acnors but is made available to us after 1 00 pm. local time at eorpost < t rzignatec. for payments on this statement, we will credit it to your ant of the next day If you do not fol ow our payment instructions or if -en' is not sent by regular U S. mail to our post office box gin-, aayments, rodihng of your payment may be delayed to up to flays. -avuaents made alectronicatV through our automated telephone vice ( shiner Service advisors, or our web site will be subject to any _-e.sscn I I rncs hirlosed for those payments. Account Information Reported to Credit Bureaus: We may report into[ matter, i'-?out ya account to credit bureaus. Late payments. missed payments or ,her de,, hs col yocr account may be reflected in your credit report. If you tine ova j,.(,, reported inaccurate information to a credit bureau. you may .:ate tc. is at the Cardmember Service address listed on your billing 'atern- Notice About Electronic Check Conversion. When you provide a ack as I went. you authorize us either to, use information from your check nuke time electronic fund transfer from your account or to TO Access ;yin :I is a check transaction When we use information from your n electronic fund transfer funds may be withdrawn from your it as the same day vie receive your payment, and you will no' III e-k back from your financial institution. Call the austomw -an, m me=a on this statement if you have questions about electronic rent r tun ca do not want your payments collected electronically Conditional Payments: Any pavntent check or other form of payment Ital you c-rlt u t n less than the hill- balance due that is marked paid in f all` or ?_ntains t sin ila: notation. or that you otherwise tender in full satisfaction of r dispute? amount must be sent to Card Services, P0. Box '5049 Wi mmgt( ')F. 19650-5049. We, reserve all our lights regarding these uavments _;. if it is determined there is no valid dispute or ifany such check r- reeve( at any other address, we may accept the check and you will still c:7e any -Leming balance). We may refuse to accept any such payment by r-.turnmg r tc younot cashing it or destroying il. All other payments tfat you are Sher. t tie sent to the appropriate payment address. Annual Renewal Notice: It your account has in annual fee. it will be billed =anh yearn in monthly installments. vhetner or not you use your account old you agree to pay it when billed. The, annual tee is non-refundable unless ,ca iorrv us Ina[ you wash to close your account within 30 days of the date .ire mar` ua sthantmoot on.mhich the annual fee is charged and at the same it a;? cry r outstanding balance in full. You r payment of the annual tee ° ur rights to close your account and to limit your right it make r a your account. If your account is closed by you or us. we will n ac. no ge the annual fee until you pay your outstanding balance in I Inc is initiate your account relationship Explanation of Finance Charges: We calculate periodic finance charges, ac it's phrahle periodic rates shown on this statement. separately tar r fer4I e e g.. balance transfericonvamence checks and cash advance ks hear transaction} purchases balance transfers, cash advances, IC al balances or ove?lraft advances). Please consult your dmer aI Agiper- t for the features that are applicable to your card n rcs may rombine different categories with the same daily then, is a U next to a periodic rate on this statement that and the Index One margin used to determine that rata end its ?R are described in year Cardmember Agreement. as minimum finance charge in any billing cycle in which yowl . li,oncs charges and a transaction finance charge to each d, cash advance. or -,heck transaction. in the amounts sRrted in ,u .rd tuber Agreement as amended. -' solar e *oi each day of the current billing cycle vye tare the m,.; for ea.t feature. add any new transactions or other deans unpai,9 finance cnarges and other charges). subtract any adds and make other adlusunents. Transactions are added as ;can date. the beginning of the Ilium cycle in which they are a[ed m^ r ao,,ount. or a later date of our choice (except that check r Isacuo I added as of the date deposited by the payee ora later cats of n h are added either en the date are related transaction, in,, date your. _count. or the last day of the billing cycle This gives balar- A credit balance is treated es a balance otnm. If ?. , F- , polh-, to any draftily eve multiply the daily balance ry the I, pan. r to get y u eI odic: finance charges for that day. As Ihen 7 add these penodic, finance Charges to yaw drily orlinze To get the beginning balance to, in, next day. (If more than one dadr ueccl are could apply based on the average daily balance e. raih use he dadv periodic r y that applies for the average dally balance a noun. at it cold of the billing Lyre to calculate the daily periodic finance charge each dzy) To get your total periodic finance charge for a ailing cycle when a daily per iodr ratels_) applies. we add all of the eat it paamdic hnanca charges for all feature _ To determine an tierage daily balance. eve add your daily balances an;1 diode by due number of the days in the appllrahle billing cyders). if you An uIll p:. ,.. nveiage daily balance for each feaem by the applicable daily, pe , i_re. and then multiply each cf these e urs by the number of days in the applicable IT ling cycle(s). and then add all of Ilia results together the octal will ?,;- rl.. rite penodic finance charges tot file billing cycle. except for I, ' In or vanations it ie to hounding To get your total periodic finance charge for a tilling cycle when A monthly penodic rues) applies. multiply the avera9t daily balance for eal feature by the angst ;able monthly periodic rate and add the results together. The total till equal tfe periodic fin acs charges for the billing cycle exception minor eanatimns m 6 to rounding Grace Period (at least 20 days): We accn:e perodie finance charges on a transaction fee. or finance charge tram the date It is added to your daily balance until payment in full is received on your ac-,cunt However. wy as not Lharge penodic finance charges on new purchases billed 'uriny a billing cycle if we receive beih payment of your New Balance or. your urmnt statement by the data and hoe your payment is due and also parrtent of your New Balance on your previous statement by the iate and time your payment was duo There is no grace period for balance transfers. rash advances. check transaenons or overdraft advances In add ion. if Char= is a "Qualifying Piomotiot r inanrmg" school- on this statement. you will not incur periodic fir urges on aml Rernamin( Balance that appears in that section if you pay nit balance in full by the applicable Expiration Date. However d you defau If under the terms of your Cardmember Agreement or any Qualifyine Promotional Financing offer the applicable oeladre finance charges ,-ill accrue on any Remaining Balance as soon a5 the billing cycle in which the default occuis. To avoid finance charges on new purchases when your Neva Balance 1110LIdeS Any Rohl Balancers) in the Qualifying Promotional Financing section. pay Valli full NeVy Balance minus [he total of those Remaining Balance(s) by the date and hme your payment is due, HoY?6ver, it your statement snows that a minimum paymert is due, we must receive a- least that rim mum payrnent av the Sete and nine spacifled on your Statement. cyan if yc. r Ne v Balar:e ecof pualifyirg Promotional Flatware briar,-, ' For aeterred interest Qualifying Promcoorn nancinq, periodic finance charges accrue during the promotional pealed Lit are not added to your accoun, balance Instead, they accumulate from balling cyrle to balling cycle If a deferred interest Qualifying Promotional Financing balance is not paid in full by the Apollcable Expttetlon Date, the defenrd finance charges Vial be added to your arcouno as soon as the first day aft, r the Expiation Date Further, If you default under the [earns of your Carnmetoo, Agreement the deferred finance charges At be added overt ac-.nuntas soon as the data of default For fixed payment Qualiftg Promotional Fsnarl thatpernhsynu to pay Into purchase in a designs d number of payment,. Von will not have a grace n9riod 'or that balance as each payment indudm; a portion of the interest moved over the repayment term for that puimase Hoi,v tier you r+rill Inc., a =mile c,-, col other newpcmhasas as described above. BILLING RIGHTS SUMMARY InCaseofF-- , - CuessAboulYourBill Ifrouthinkyou -blli.wrong. or :f you need more inf anon about a tar irnon on ,,on L.II. atl Cardmember Service on a Separate sheet at PQ ox 15299 Wilmington DE '9850-5299 as sown as pd&slble. We must hear -tom you no later than o"0 days afterr:ve sent you the first bill on ^rhich the error or sroblem appeared You can telephone us, but doing so rill not meserJi you, a,ghts In vour Ptter give its the following mfomiation. • Your is acne and account number • The dollar amount of the $uspected hi Ipr • Des-,nbe the error and explain if %,oil ran wt ,nu belt ire tl e c is an error If you need more Intormdon, de so rTo tan. mean n ar ,nssrro about. You do nothave to pay anyamount in go _-: en :- are investigating. bul van are still obligated to pry the parts of you 'hat : not In question. Whine vie it vesttgate your Question. toe cannot xenon you as delinquent or take action to collect the atrount you question I 1 lava author ed us to pay your credit card bill aut?matically from you' gs or checking account you can stop the payment:on any amount yo l tFink is wrong. To stop the payment, your latter or IT (userg taritn It ber Ser' e aacIess or telephone mmider shown , ins sla1,'m en? tit f each it a least ihma business days before the omatic p oLdt v scheduled to cur. Special Rule for Credit Cbrd Purchases: It you have i problem with ilia quality of goods crsr ice[ that you purchased n th a -relit card (excluding purchases triads :with a check), and you have tr e n good faith to -orrect the protlen oath the merchant, you may not fiery, to the ornamirg amc-unt Cue on the goods or seritices You have this omecton only when the purchase once Fvas more ftri$00 and the murh .e was ma;e m y on r h no h, stet or within 1[10 miles (your r -ad ng addle _ These limi u_ns. do not apply if ve oral- or operate th m r.hint f vie n tiled VOL] the advertisement for the proptrty or s-Ivies. Mdn3o;os Statement for account number: 4388 5760 2062 4196 New Balanco Payment Due Date Past Due Amount Minimum Payment N U N 1 T E D 007 7'? 11/21/08 $0.00 $201.78 Mileage Plus- Make your check payable to: Chase Card Services. Please write amount enclosed. -- - New address or e-mail? Print on back 438857672062419600020178005007780000004 0:.041Fr Ex 9 30109 C Irrr???r?rr ?rr?r?rr?rl l?rrr?r?r rr r??r?r?r rr ??r r?r?r rr??r r??rr? N'.R 13ROOKE R RHODES PO BOX 615 CARDMEMBER SERVICE Nf-'A CUMBERLAND PA 17070-0615 f PO BOX 15153 WILMINGTON DE 19886-5153 1:5000160 281: 2 3600 206 24 !96111, Opening/Closing Date: 09128i08 - 10/27108 CUSTOMER SER' 'ICE AY U N IT ED Payment Due Date: 11/21108 In U S 1-80)-537-7783 Mileage Plus- Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. gall collect 1-847-888-6600 Minimum Pa' mart Due for Credit Ac cess Line $194.00 Payment Du( for Balance Over Credit Access Line $778 ACCOUNT INQUIRIES Tota: Minimum Payment Due $201.78 P.O. Box 15298 Wilmington, LE 19850-5298 PAYMENT ADDRESS VISA SIGNATURE SUMMARY Account Number: 4388 5760 2062 4496 P.0 Box 15153 Wilmington. DE 19886-5153 Previous Bal -: -nce $5,382.17 Credit Access Line $5,0017 Payment, Cr, dits -$600.00 Available Credit $0 VISIT US AT: Purchases, Crash. Debits +$120.19 Cash Access Line $1,000 www.chase. com/united Finan::e Cha, -3rs +$105.42 Available for Cash $17 New Balance $5,007.78 MILEAGE PLUS MILES EARNED 1-800-421-4655 (Mileage Pius) -- --- - - Miles carrier the statement from purchases g2 1-800-241522 (Reservations) Total miles e-rrned this statement 82 Total miles ti ansferred to United TRANSACT113NS Trans; Amount Date Refen rice Number Merchant Name or Transaction Description Credit Debit 10/04 24071)58279987197466653 BIZZUP SOLUTIONS 954-3220287 FL $19.99 10110 24430+98285400803512022 MICROSOFT `XBOX LIVE BILL.MS.NET WA 12.50 10/15 24254%78290467870531542 BARM FORECLOSURE ALERT 888-4213597 MO - 29.95 10122 LATE FEE 39.00 10124 24430"9£3299400801578110 MICROSOFT -XBOX LIVE BILL.MS.NET WA 12.50 10!24 24430")98299400801578136 MICROSOFT 'XBOX LIVE BILL.MS.NET WA 6.25 10!27 13013' 1700006089307659 Payment - Thank You 600.00 FINANCE CHARGES Finance Charge Gaily 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 .06436% 23.49% $5,459.70 $105.42 $0.00 $0,00 $105.42 Cash advanr , V .06436% 23.49% $000 $000 $0.00 $0.00 $0.00 Total finance haiges $105.42 Effective Annua. Percentage Rate (APR): 23.49% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponcing APR is the rate of interest you pay when you carry a balance on any trarffiaction category . The Effective APR represents your total finance charges - including transaction fees such is cash advance and balance transfer fees - expressed as a percentage_ 11510 FS'.i ?, :1 000 V 9 27 0910127 Page 1 0? 1 05058 MAMA 16044 K -000020c00694401 X wo-, Hddress change Request Plead provide information below, only if the address information on front is incorrect Scree a-.ccress. ----------------------------- City ------------ ----- - State -- `ip ----- ---- Home Phcne. --- --- y F Work •ncne_ ---- -1 E-ma ;,.ddress ---------_ L Informahan About Your Account Lost or Srolen Cards: Phase capon your lost or stolen card immediately by r ling to us order Service number found on the front of your stahmeni. a t visois r ar lays available to assist you. You can reach an Advisor by tr sing r you color pour account number Ch i "I of Payments: For payments by regular U.S. mall. send at least your m.ielmurr rent due to our post office box designated for payments shown o I t. int. Your payments by mail inner comply with the instructions cn'hi nt. and most be made by check or money order payable in a S ( I it drawn on or payable through a U S. financial institution or the u S r )to foreign financial institution- Do not send cash- Wd-e you P,. on your check or money order. Payments must be ae,r -loon the payment coupon it the envelope provided with our address it ugh the envelope window, the envelope cannot contam no :e tha payment or coupon, and there can be no staples. page clips, type arc d.ondence included with your payment. If your paymer t is in r. , rdan : ,v th per payment instructions and is made available to us on any day exce; December 25 by 1 pm. local time at our post office box designate I row payments on this statement, see will credit the payment to your count = s o' that day If your payment is in accordance with our payment i°shocbo a out is made available to us after 1:00 p.m. local time at our post ffi?-e pox Ir.. oignated foe payments on this statement. we will credit it to your 8.r. count ar of ite next say If you do not follow our payment Instructions or if "All pay -ant Is not sold by regular U S mail to our post office box signal, I to payments. rehiring of your payment may be delayed to up tc rays !mints -rare electronically through our automated telephone rvice. t stumer Service advisors. or our web site will be subject to any a`eceolla Trines disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about voi account to credit bureaus. Late payments, missed payments o, r<r art C? on your account may he reflected in your credit report. If you II n< eve r; reported inaccurate information to a credit bureau. you may ,v rite to -s at the Cammembei Service address listed on your billing surturnri 'voice About Electronic Check Conversion. When you provide a rack as ;anent, you authorize is either to use information from your check i, time electronic fund transfer from your account or to p'ocess lr a check !ransaetion. When eve use information from your o item, fund transfer, funds may be withdrawn from your as the same day vve receive your payment. and you mill not back from your financial institution. Call the customer t r on this statement if you have questions about electronic or do not pant your payments collected electronically Conditional Payments: Any payment check or other form of payment IF at you nr; a '.I I,s than the full baanre due that is marked "paid in fall or -' n s r ilarnotation. orthat you otherwise tenderin full satisfaction of a Aeon*e: mount must be, sant to Card Services, P0. Box -5049 V-I,,ingtc F 19850-o049 We reserve all our rights regarding these r:uFnents -{ it it is reentered there is no valid dispute or it any such check ,:: eoae,c of any other address. we may accept the check and you will still -7dF any r ?,? inmg balancer We, may refuse to accept any such payment by Inning - r )eu. notcashmg it or destroying it All otherpayments hat you nke she re. sent to me appropriate payment address. Annual Renewal Notice: If your account has an annual fee. it will be billed earth year ern monthly installments. whether or not you use your account. and yon a Irer' c pay it when billed. The annual fee is non-refundable mess I ^ot l i- ?hatyou wish to close your account within 30 days of the date :nail y j. statement on which the annual fee is charged and at the same r e you a, vour outstanding balance, in full. Your payment of the annual tee rot 'r(,our rights to close your account and to limityourrighttc make =a - your account If your account is closed by you or us . we mill nue, rage the annual fee until you pay your outstanding balance in Ill I and le inmate your account relationship Explanation of Finance Charges: We calculate periodic finance charges, sung the aI ph?able periodic rates shown on this statement separately for 'aA front It e q.. balance transh rlconvenlence checks and cash acvanee ,r-,:rks h`rx transaction j. purchases. balance transfers, cash advances. ,war'ono aI balances or overdraft advances). Please consult your C:udntem:,-i Agreement for the features that are applicable to your card. P l;on cap I itcns may rpmbme different categories with the same daily rd raps I' there is a 'V" next to a periodic rate on this statement. that re nee < 1! and the index and margin used to determine that rate 'Ind its, 'respo,rhi r APR are described in your Cardmember Agreement as rideI r ',a is a minimum finance charge in any billing cycle In which you vt any F iii finance charges and a transaction finance charge fo? each Inn,rt tr,- i r cash addnnce_ or -hack transaction in the amounts started in r n °ardr Agreer.rt, as amended. r t I liar - -or each day of the current billing cycle. we tare the h,an for e :te feature aril any nevi transactions or other dabrs unpaid finance ,ranges and other charges), subtred any r ems - flits and make otner adjustments Transactions are added as n, ran tat, [he begirding of the billing cycle in which they are r a,counl, or a later date of our choice !except that check added as of the date deposited by the payee or a later cats of are added either on the date of a related transaction, tin" date to _vour 'count. or the last day of the billing cycle This gives ?It tb lie ,a. A credit haiadee is treated as a balance of pro. If ^ady p,. _ aee eeadec to any feature vve multiply the daily balance cy the s -r,_ tc get your period), finance charges for that day Wo then add these aeiicoic finance Charges to veur rely salanee to get the beginning bat rice for the next day. Of more thae one dada periods, rate could apphr based on the avamye Bail balance ve d l us tire d o i l y p e r o Ir rate that 'etint at t1 -0d of th ohl nq ;role to argues tothe average dai balanr a calrula-e fine daily periodic dance charge, each r v To get your total periodic finance charge for a bfding cycle wheel a daily pan odic rate(s) applies. wegdd all of the dally periodic finance, charges for all features To determine an Average daily balance. •ve add your daily balances and divide by the number dt the days in the applrrable billing cycle(sl. If you multiply the average daily balance for each rater, by foe applicable dart' periodic rate, and then multiply ea-,h of these ms.ds by tic number of days in the applicable billing cycle(s) and rum add al of the results together the lo, ,d rl also equal the pedcr it fman e -hangs r tae billing cycle . except for n on,, ,:, `ations due to rounding To get yon total periodic finance charge for a tinting cycle when A monthly periodic rate(s) applies multiply the averag . daily bala::c for each feature by the aoph;able monthly periodic rate and add th, ?,, c., wgethef. The total eeydl equal the period, finance charges for lire billing cycle. exceptfor minor earations due to rounding Grace Period (at least 20 days): We accme parodic finance charges on a transaction fee. or finance charge from the date t is added to your daily balance until payment in fu is received on your account. However ;ve do not charge perodio finance ch gas on new purchases billed during a tithing cycle if vie eceive both payment bt your New Balance on vow current statement by the date and time your payneent is due and also pagment of your New Balance, on your previous statement by the date and nun yet, payment was due. There s ro grace period for tinter . transfuse _a, 1 advances. check transactions at overdraft advances In choirs, if than- is a "Qualifying Promotional Financing' section on this statement you ;^vill not incur penodw finance oranges on any Remaining Balance that appears in that section If you pay hat balance In full by the applicable Expiration Date. However it you default under the, terms of your „ ardmember Agreement of any Qualifying Promotional Financing offer the applicable peruodre 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 Baler, includes any Remaining Marcelo) In the Qualifying Promotional Financing section. pay your full Nevv Balance rmnus the total of those remaining Balance(s1 by the date and time your payment is due. However it your statement shoves that a mmlmum payment is due. ,me must receive at least that minimum payment by the Bate. and time specified on your Abatement even it your New Bolan. e consists only at Qualifying Promotional Financing balances For deterred interest' Quilili(ying Promotional Financing, periodir, finance charges accrue during the promotional period tut are not added to your accord- balance. Instead, }bey accumulate f-am billing cycle to biidng cycle If a deferred interest Qualifying Promotional Fimn:ing balance is not paid in full by the applicable Expil ion Date. the defernd finance charges will be added to ynuracre ni as soon as the first day aloI the Expiration Date Further, if you hereof under the terms of yctu Cardmember Agraernort the deferred finance charges w1l be added la your acnunt as soon as the date of default For fixed payment' Qualiff?g Promouona I inducing that permns yon to pry for a purchase ii a designab(I number of payment you will not have a grace belied ;or chat balance as each payment ind ids, a portion of the ?nlerest owed over the repayment term for that purchase Ho!,evru you gill have a grace period on other newourchases as des-roes above BILLING RIGHTS SUMMAW 'c Cas^ of Errors or oueshins About Your Bill: If you think your bill is wrong or If ° ""d more info(mation about a hansarhon on your bill.:vrid Service on aieparate sheet at P. ['ax 15299 Wilmmgton DE 19850 299 as Sion as p siti We must hear 'nom you no later than 60 days after .r_ - -ca the ist bill on :vhed the error or problem appeared Yeti car telephone us, but ing so will notara_rely: Jeer rights In your leer give us the following infect tion. • Your rame and account ad be r • The dollar amount of the spected error • Describe the error and e aid of o, can. rah ou bclieere hrere is air error If you need more inform on, describe the item on are unsure about. You do not nave to pay any mount in question vhue,ave are investigating out you are stile obligated to the parts of your hid that are not in question While re investigate your itueshon..ve cannot port y At as delinquent or take action to collect the I unt you ,u "trod It hove authorized us to pay your edit card bill au atcalrom youcao g s o r checking accoi nt you car. sore the payrnen any am"t" think is wrongTo stop the paymentveur letter or (usthe 1,, rmiinber adciess or telephoe ni nber shown thr m,n? m r t each a, east rare business days before the manc omen[ is s h ended to ,?.m Special Rule for Credit ford Purchases it ce t ay a pr bI m win the quality ofgoods„rshearvcichj hatyor fu..hased act icorli[ and rexludmg purchased made .wit 1. and w hneit In good faith o -our--,tthe problen with the merrhangyou mat not Nr to joy the wen n mng amount due on the goods or se ices You have this tntection only Must, the purchase pace was more than $5D and the purrh :c yaws made in vour home state or svdain 100 miles (g your madmg adch c These limitations do not apply it eve never or opafate h roeahant ) f r,. called sou the advertisement for the propry or s-rs:,s. MAOn!:; d° Statement for account number: 4388 5760 2062 4196 Mew Palancc Payment Due Date Past Due Amount Minimum Payment 8- 71 12/2208 $000 $13900 r?. Make your check payable to: y? Chase Card Services. W Please write amount enclosed. _ New address or .ti-P Print on back 43885?602062419600013900004758750000000 04? E EX 9 33208 C MR BROOKE R RHODES PO BOX 615 N; " CUMBERLAND PA 17070-0615 W Ill N I T E D Mileage Plus- CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 t: 5000 i60 281: 236GD 206 24 L9G 4111 Opening/Closing Date AV UN I TED Payment Due Date. Mileage Plus- Minimum Payment Due for Credit Access Line Tula Minimum Payment Due 0/28/08 - 11/27/08 CUSTOMER SERVICE 12/22/08 In U.S. 1-800-537-7783 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-8C0-436-7958 Outside U.S. call c, Ilect $139.00 1-84 7-888-6600 $139.00 ACCOUNT INQUIRIES P 0. Box 15298 Wilmington, DE 19850-5298 VISA SIGNATURE SUMMARY Account Number: 4388 5760 2062 4196 PAYMENT ADDRESS P.O. Box 15153 Previous Bal?,nc.; $5,007.78 Credit Access Line $5,000 Wilmington, DE 19886-5153 Payment. Credit; -$491.19 Available Credit $24-11 Purchases, Cash, Debits +$149.94 Cash Access Line $1,000 VISIT US AT: Finance Chardt, +$92.22 Available for Cash $241 www.chase . com/united New Balance $4,758.75 MILEAGE PLUS MILES EARNED 1-800-421-4655 (Mileage Plus) Miles earned :his statement from purchases 61 1-800-241-6522 (Reservations) Total miles earned this statement 61 Total miles transferred to United 61 TRANSACTIONS Trans Amount Date Refer( nce Number Merchant Name or Transaction Description Credit Debit 11104 13093)92700006126333200 Payment - Thank You $300.00 11/03 24071 ?58309987178237820 BIZZUP SOLUTIONS 954-3220287 FL 19.99 10!15 24254!78290467870531542 BARM FORECLOSURE ALERT 888-4213597 MO 29.95 09/16 24254'78261467870530184 BARM FORECLOSURE ALERT 888-4213597 MO 29.95 11104 24071058310987102304107 BIZZUP SOLUTIONS MIRAMAR FL 100.00 11/06 74266953113252000004017 Finance Charge Reversal 1.34 11/08 13143'32700006127815050 Payment - Thank You 10).00 11/15 24071 )58321987187630779 FORECLOSURB884213597 888-4213597 MO 29.95 11/19 7,1071 `58324987161086115 FORECLOSUR8884213597 KEARNEY MO 29.95 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 .062999/1, 22.99% $4,722.95 $92.22 $0.00 $7.00 $9222 Cash advam cs V 06299% 22.99% $0.00 $Q00 $0.00 $100 $0.00 Tota finance charges $92.22 Effective Annual Percentage Rate (APR): 22.99% Please see Irformation About Your Account section for balance computation method, grace period. and other important information The Corresponding APR is the fate of interest you pay when you carry a balance on any transaction category. The Effective APP, represents your total finance charges - including transaction fees such as rash advance and balance transfer fees - expressed as a percentage. 001 Y 9 27 08,11,27 Page 1 of 05058 MA Mf. 4042 33110000020001404201 X Adores, Change Request Pleas- p,ovide information below only if the address intormation on front is incorrect. Stree' Adcress ___ City --- -..-- State -- Zip ___ Home Pf,cne. --- --- ---- v%ork ''n)ne. __ -- E-ma :address L Information About Your Account Last or Stolen Cards: Please report your lost or stolen care immediately by dlmg in (,it, cmer Service number found on the front of your st timerrl_ a I nears -,ways avadabine to asset you- You can reach an Advisor by essinq e P. Pr you enter yrour account number Crediting of Payments: For paernents by regular U.S. mall- send at least your 11 inlmurn payrent due to our post office box designated for payments shown on this s1 dement Your payments by mail must comply with the instructions n :his s 1= want. and must be made by check or money order payable in I S. Dad ?_ and drawn on or payable through a U S. financial institution or e I S t in h of a foreign financial institution. Do not send cash Write vour "count -ember on your check or money order- Payments must be compat ed by the payment coupon in the envelope provided wth our address : stile through the envelope window; the envelope cannot remain more lhaa ore payment or reopen, and there can be no staples, paper clips, tape or -. ?-,spondence included oath your payment. If your payment Is in accarti, rt?th ouroayment instructions and is made available to us an any day excei - D- amber 25 by 100 pm. local time at our post office hex ?,ognate Itoyv ymentson!Ins statement . we will credit the payment' a your r,, tit flint day If your payment is in accordance with our payment i.ns""e,6 s made available to us after 1.00 p on. local time at our post in l ited payments on this statement, we will credit it to your c next day. Ifyou do not follow our payment instructions or it t is not sent by regular U.S. mail to our past office box I i rm payments. crediting ofyourpayment maybe delayed fo unto emus a:2ments mace electronically through our automated telephone „ . uclamer Service advisors. or our web site will be subject to any ?rocessun ?.imes disclosed for those payments Account Information Reported to Credit Bureaus: We may report infor nation ,,bout yc. r account to credit bureaus. Late payments. missed payments or, :her ref gilts cn your account may be reflected in your credit report It you 11 irk !we rave eported inaccurate Information to a credit bureau. you may rut, rr s if the Cardmember Service address listed on your billing slatemem Nctlce About Electronic Check Conversion: When you provide a hr k.,..:.romen. you authorize us either to use information from your check -aka o ime, eeetionc6 fund transfer from your account or to process c• a to a check transaction When eve use information from you, p._ iaK,- an electronic fund transfer funds may be withdrawn from vow .tit : .eon as the same day we receive your payment, and you will not .. r ;heck back from your financial institution. Call the customer ice r. r t=, on this statement if you have questions about ere:tronic heck coil -nor or do not ?sant your payments collected electronically Conditional Payments: Any payment check or other form of payment tf at you in 1 its ' r Tess than the full balance due that is marked paid in felt' at .;,mains smilar notation. or that you otherwise tender In full satisfaction of disput e mount. must be sent to Card Services, P,0_ Box -5049 rilrun lc rr 19850-5949 We reserve all our rights regarding these r it' eri It it a determined there is no valid dispute orifany such cheek -r,e. ,t any other address. tae may accept the check and you wall still is any r c; firing balance(. We may refuse to accept any such payment by tuminq ! to you. not cashing it or destroying it All other payments itatyeu crake. sno. doe sent to the appropriate payment address. Annual Renewal Notice: " your account has an annual fee, it will be billed each year cr n monthly installments. anhether or not son use your account I icu it D pay it when billed. The annual fee is non-refundable finless ?i robh,' not you ccrm to arose your account within 30 cave of the date mall g I statement on which the annual fee is charged and at the same r - .yec,ar You r outstan ding balance mfulL Your payment of the anti cal fee -o- -ourrightstor_lose youraccount and to lunLyour right Is make 11 ,a( s on Your account If your account is closed by you or us_ we will title I a ge the turner fee until you pay your outstanding bala. ce in it L r to your account relationship Explanation of Finance Charges: We calculate periodic finance charges t`^ rw cable periodic rates shown on this statement sepaire ly for I . , e g balance transfer/conveNence checks and cash atvanco Pxx transaction). purchases. balance transfers, cash advances, arances or overdraft advances'). Please consult your Ai, cement for the features that are applicable to your raid_ - I -s rr-; combine different categories with the same daily thew-. a "V" next to a periodic rate an this statement. that I the index and margin used to determine that rate one its ?I .. APF are described in your Cardmember Agreement. as sa minimurn finance ehaigein any billing cycle In which you finance charges. and a transaction finance charge foe earth cash advance. or check transaction. in the amounts stated In I r- r Agreement as amenred. nsl an. e fo. each day of the current billing cycle. we tlxe tire r for each feature add any new transactions or other Jebus impad finance charges and other charges). subtract any is no make other adjustments. Transactions are added as der the beginning of the billing cycle in which that' are ynt. or a later date of our choice (except that check coed as of the late deposited by the payee ora later cafe of re, add d euheron the date of arelated transaction. in, date y rura_,mmt. or the last day of the billing cycle. This gives bolan,e A credit balance is treated as a balance of zero . It idol _s to any feature we multiply the early balance )y the n_ Ie get vour periodi_ finance charges for that day Wc. Ill add these peiodr finance charges to your rally balance In get the beginning balan-a for the next day- (If more thin one rail pened,r, eta could apply, haven on the average deilvalanr fie well a tLe daily peiIcr rate that applies for the average dairy balan e amount at th r.nd of the, LI Imc vrp to calculate the daily periodic finance rbaigi, earld dry j To get your total periodic finance charge, for billing cyee (her a :fairy periodic mta(s) applies. we add all of the daily par odic franc charges for all features. To determine an average daily balance vu add •yom daily balances and divide by the number of the days in the apple .able billing cycle( s) If you multipl°/ the average daily balance for each feature by the applicable daily periedis rate. and then muRlpiy each of these resins by Cie numop: et days in the applicable billing cycle(s), and men aid ad of the results together the total will also egr:al the periodic frnaree charges tor the billing ry-la. except for most variations due to founding. To get vour total periodm Finance charge for a billing cycle when l monthly periodic ra'e(s) applies, multiply the average daily balance foreeeh feature by the all mble monthly periodic, rate and end the results togeth9e. The total well equal Die periodic tirl wharves fnrthe. billing cvcle. exoeptfor minor variations due to rounding. Grace Period )at least 20 days): We accrue per she finance harjus on a ee. or finance charge from the has it is added to your daily balance until payment in furs received on your ,,(count. However mice do not charge Ti r", nce charges on neafJ purchases billed during a billing cycle it we receive hoer paymenterryour Ne.v Balance an your current statement by the date and tune your paymentis due and also payment of your New Balance on your previous statement by the date and time your paymen' was due. There is no grace period for balance transfes cash advances check transactions, or overdraft a(Ivances. In accident, it there is a "Qualifying Promotional Financing" section on this statement. you will not mill 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 and 'f the terms of gout Cardmember Agreement or any QuaiLving Promntonal Pinancing offer the applicable penodip finance charges will accntr on any Remaining Balance as soon an, the billing cycle in which the default occur- To avoid finance charges on new purchases when your Now Balance ,eludes any Remaining Balarlels) in the Qualifying Promotion„ II in r won, pay yourfull Nev. Balan colons the total of (hose Remaining b r by the dale and time your payment is due. However if your statenen shorncs that a mimmurn payment is due. eve must receive at least that minmur, payment by the date and time specified on yourel9tement. even it your hr w Balan e ,o taints only of Qualifying Promotional Iillnancing baw-es. For eefe rid interest" Qualifying Promotional F,nari periodic fmanre. charges accrue during the promotional period tut are not added to vent agcoun! balance- Instead, they accumulate from bdhng cyrle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expf®tion Date the defer d fuance, rharres viol be added to your acsourt as an as the fir t day aft, [the Expi mod Fare. 'unheu if you default un the tam of your C dmember Aureern.nt the defame,] finance charges www I be added to your ac: 1,unt as son' ns the date of default For tixad payment Qualify)ng Promotional Finanung ma' inI is you to pay fora purchase in a designated numbe-of payments, yin van not have a grace period for that balance as each payment include a than of the iotemst aged over the repayment rm for that punch l lovod III ha,,e a grace period on other newiurchas s as desar atove. BILLING RIGHTS SUMMAII In Case of Frmmor 0 uesfi s About Yonr Bill It sthinkycr brJa:gong , re or If you need more inf ation abort a jean a t. n on ou L II vnte Carhmember Service on a parate sheet at PD Lox 1527,9 Wilninflon DE 19800 294 as soon as p slble. We must hear am you no later than 60 days after ,e sent you thelfirst bill of :vhmh Trainor or printer appeared. You car telephone us. butting so mhl nM m,ser (cur right In ourretter )'r, , the into unny infor lion. .vour ???., end aecountrimider • The dollar amount of the juspected error • Ce nbe the ^?r, _,no e>?ain rf or -an rrrh r it be ieva these is an error If yet need more inform en, de ;robe the item cu are unsure shout You do cot have to payanytmount in cuesticn uh s i are investigating. but you are still obligated to ply the par's of your i h,t an, not in question While we investigate your question, we cannot report you as delinquent or take action to correct the amount you question. If you have. authorized us to pay your credit card bill automatically from your sa cogs or checking account. you car stop the payment of any amount you think is wareng. To stop the payment your letter or tell (using the Cardmember Serv re address or telephone number shown r this 31alemantl m r,t ranch a et least three business days before the a tamatic payment is srncdule to ccrur Special Rule for Credit lard Purchases: It you have a prod em with the quality, of gccds or servicerif that you purchased n a smdrt and (excluding pea hoes,trade with a check), and you. have trier to good faith t orreet the p roblen with the memhan you ma tot have c as the rams rung emo!mt due on the goods or se tss You have this )role Lion only when the purchase pie ;vas more n $50 odd the concrete was .,ar n roue home slat or within 100 miles your mhing addm he lin nations do not apply as or op ate the rie. ehan if r, aI you Uae adverusm_nt tin the prop ,' or set or WOW, 08 Statement for account number: 4388 5760 2062 4196 Nev, 3alancc Payment Due Date Past Due Amount Minimum Payment Se 736. is 01/21109 $0.00 $13100 Make your check payable to: • Chase Card Services. Please write amount enclosed- - New address or =-mail? Print on back. 438857E,132062419600013300004736370000002 1. 4 14 &EX 9 36208 C MR 13FROOKE R RHODES PO BOX 615 N: -:WCUMBERLAND PA 17070-0615 / U N I T E D Mileage Plus- 11111111111111111111 r r l 111111111111111111111111111111111111111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON D- 19886-5153 1:5000 i60 281: 23660 2L6 21, 1,96 1,u• Opening/Closing Date: 1112/27108 CUSTOMER SERVICE AV U N-1 T E D Pay ment Due Date: 01/21109 In U.S. 1-800-537-7783 Mileage Plus" Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-847-888-6600 Minimum Payment Due for Credit A ccess Line $133?QO Totes Minimum Payment Due $133.00 ACCOUNT INQUII :IES P.O.Box15298 Wilmington. DE 19850-5298 VISA SIGNA'rURE SUMMARY Account Number: 4388 5760 2062 4A96 PAYMENT ADDRESS P.O. Box 15153 Previous Balance $4,758.75 Credit Access Line $5.000 Wilmington, DE 19886-5153 Payment, Credit; -$139.00 Available Credit $26:3 Purchases. Crisli, Debits +$30.00 Cash Access Line $1,000 VISIT US AT: Finam.;e Cha ,1e.,; +$86.62 Available for Cash $26:3 www. chase. com/united New balance $4.736.37 MILEAGE PLUS MILES EARNED_ 1-800-421-4655 (Mileage Plus) Miles earner this statement from purchases 30 1-800-241-6522 (Reservations) Total miles carred this statement 30 Total miles h. ansferred to United 30 TRANSACTIONS Tram, Amount Date Refers ncs Number Merchant Name or Transaction w:. Credit Debit 1211113463162700006291039043 Payment - Thank You t $139.00 12/11 24692168346000447636631 YAHOO SEARCH MARKETING 866-878-4104 CA 30.00 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.06093% 22.24% $4,738.96 $86.62 $0.00 $0.00 $86.62 Cash advanl.^s V-06093% 22.24% $000 $1100 $0.00 $0-00 $0.00 Total finance :harges $86.62 Effective Annual Percentage Rate (APR): 22.24% Please see Information About Your Account section for balances 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 APIR represents your total finance charges - including transaction fees such as cast advance and balance transfer fees - expressed as a percentage. Flstl i.: 2 000 V 9 27 0811212 Vage 1 01' 05058 MAMA 13434 3fi110000020W0,143401 X A G9 Address Change Request Please poovide information below only if the address information on front is incorrect. Stree, Arloress ____ City ------ --- State -- Zip -___ Home Phcne. - ---- bVOrk i F-ma , It ress _-_-___ ' 7 L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by allmg ill isomer See'ire number found on the front of your statement. 1_ sots ,- aways available to assist you. You can reach an Advisor by cIeIs.nq al:eryou enter your account numner Crediting of Payments: For payments by regular U.S. mail. send at lea at your tin mute, . Trent due to our post office box designated for payments shown n arcs ct tent Your payments by mail must comply with the instructions nn t'ris s'' rnant and must be made by check or money order payable in Ir a " a drawn on or payable through a U.S. financial institution or he -fa fop in fnanaml institution. Do not send cash. Wrier your a-c?mn[ rues on your rheOK or money order- Payments roast be rrompaa ad ty the payment coupon in the envelope provided with cur address °. ble, through the envelope window, the envelope cannot rontoln more tha sne payment or coupon, and there can be no staples, pope clips '.ape or e reepondence. ncluded with: your payment. If your payment is in or cordan a ;,rth our payment instructions and is made available to us in any day excel December 25 by 1.U3 p in local time at our cost office box deslgnale 1 for payments oa this statement r e will credit the payment 'a your [:rraunt a , o` that day If your payment is in accordance with our payment shictio butis made available to us after 1 00 p an m local :none at our post h e box 1 .ignated for payments on this statement. we will credit it to our lll runt a the next day. If you do not follow our payment instructions or it nrn.r par it is not sent by regular Fr S. mail to our post office boy - nnents, crediting of your payment may be delayed to up to - Is mane elartionically through our automated telephone - re, Ser. ?e advisors, or our web site will be subject to any qrc esslr I in disclosed for those payments. Account Information Reported to Credit Bureaus: We may report Information ym r err :count to credit bureaus Late payments. missed payments o? tier dec s cn your account may be reflected in your credit report . If you Ili nk wa '.?a, reported inaccurate information to a credit bureau you ma}' sritr to - at the Cardmenri Service address listed on your billing taterner Nonce About Electronic Check Conversion. Wher you provide a esk a= :;r?rrent, you authorize us otherto use information from your check wak- one-time electronic fund transfer from your account or to p oeess v as a check transaction. When 'eve use information train yout n eleclrrnic fund transfer, funds maybe withdrawn from your as the same day we receive your payment and you v.nll not ;ck back from your financial institution. Call the customer +r in this statement it you have questions about electronic r it wa m yen r pay menu col lecte, electrons cally Conditional Payments: Any payment check or other form of payment that yet "o l us than the full balance one that is marked 'paid in till' or _m[vinc s r r. notation or that you otherwise tender in full satisfaction o- 1:spate amount must be, sent to Card Services PO Box 5049 iylmmg¢ N 19850-5049. We reserve all our rights regarding these avrients tr. if ihsdetermmeothere isnovalld dlsputeertanysuch check e? at any other address, we may accept the check and you voll still r anp r -Leming balance) We may refuse to accept any such payment by [,,it ng o? you. Lot cashing it or destroying it. All other payments It atyou [,like shop. no spot to the appropriate payment address. Annual Renewal Notice: It your arcount has an annual lee, it will be billed =orb year a, ?n monthly installments. whether or not you use your account Ird ;rou atr:,6 to pay it when billed. The annual fee is non-refundable miess rou notity oat yet, nosh to close your account within 30 days of the date .'r- marl y c statement on which the annual fee is charged and at the same I , , on your outstanding balance in fell. Your payment of the annual tee IO' our rights to close your account and to l imityour right to make nsacto oil. account If your account is dosed by you or us we will mime the annual fee until you pay your outstanding balance in _II anI le innate your account relationship Explanation of Finance Charges: We calculate periodic finance harges, no the -pparable periodic rates shown on this statement. separately to -h `eat. e a g.. balance transfer'convemence checks and cash advance =-`,1 I -ha< transaction') purchases. balance transfers, cash advances, ;rumctic,a balances or overdraft advances). Please consult your O rwch or Ameement for the features that are applicable to your card. e ab. Livers may combine different categories vith the same aalbr ?nodlc c ups I' there is a V' next to a periodic rate on this statement. that I,te lav .art and the index and margin used to determine that rate and its cir a APR are described in your Cardmember Agreement as a "I It - is a minunum finance charge in any billing cycle in which you ._ ^y I finance charges and a transaction finance charge fo' each a t - cash advance or check transaction, in the amounts stile, in re, tier Agreement. as amended. d alanee for coca day of the current billing cycle. we tare the as fareach feature add any new transacti ons or other debits unpaid finance charges and other charges}, subirart any n I its and make other adjustments. Transactions are afford as n date, the beginning of the billing cycle in which tlh,y tire ,1 1, - ;ccunt. or a later date of our choice (except that check aldee as of the date deposited by the payee ora later cate at re are ended either in the date of a related transaction in,date your-count of the last day of the billing cycle This gives bola, > A credit balance is treated as a balance of cure. If :,a applies to any feature. we multiply the daily balance ry fire na a-a to net your peodlc finance charges for that day We theca add these uenor is finance charges to your deny talaece to get [hr Ceginning balance for the next day. (11 more than one rdaif penach, rate conic apply based on the average daijrf balanre. ere xIl ,se if , daily, p no note that applies for the average dui balance amount of the end of the, l li r ,yelp to calculate fire (lady periodic finance rhaige earn wv j To get gout total penodie finance charge for a dolling cycle when daily periodic rate(s;' applies. we add all of the dally periodic hnanpe cargos forall features. To determine an average daily balanre, ve add you, tlady baron ses and tLoole by the number Of the days in the applirable billing ycletsi. If you multiply the average dally balance for each feature be the apple isle tlady period ; rate, and then multiply ea,h of these felt Its by the nu nl , of days in the applicable billing cycle(s)and then add all of the rest Ifs togcLhai IF,, total will also equal the pedodre finance Barges nor the ruling r. -apt for i variations due to rounding- To getyour total periodic fir -., ge for a pilling cycle when a monthly pericdir ra-e;s) applies. mumpry '.he average daily balance foreach feaune by the applicable monthly prno[- -ate and add Inc results together. The trial will equal tie periodic f nano- ;es for the billing cycle. exceptdor minor vanations One to rounding. Grace Period (at least 20 days): We accrue per odic finance Inches on a transaction. foe. or finan charye t ore the dap. It a add ,d to your daily balance until payment in fIf s received on your account. Hoosier die do not charge penedi; finance ch es on neca purchases billed during a Filling cycle it we receive bath paymenyour New Balance on your aurent statement by me Oar.. a ,, `,roe your paydifent is due and also payment Of Year New Balance, on your previous statement by the date and hire your aaVrnent votes one There s no gmc.- period for botirmo tmnsfe,s casr ad ances. check transactions. u. toraft alvan cap In addition. it there is a "Qualify'ng Promotional Pna.rrir,g section on this statement. you will not incur per odic, finance -,,ups on any Remaining Balance that appears in that section if you pay hat balance in prof by the applicable Expiration Date. However ii yon default under the terms or your CardrinErI Agreement of any Qualifying Promotional Financing offer the applicable penod,c finance charges will ac-r e on any Remaining Balance as soon as the billing cycle in which the default occurs To avoid finance charges on now purchases when your New Balance ii.c:a'e; any Remaining Baran eisl in the Qualifying Promotional hoar ing sactn t. payyorr full New Balance minus the total of those Remaining Balancers? y the date and time ,,,our payment is due. However it your statement sho,is that a minimum payntert is due- we trust receive at least that min nu rn payment by the !ate and time specified on youretatemen' even if van + Neer Balance consists only of Qualifying Promotional Financjnu balamies For "deterred interest Qualifying Promotional fmanung. aenci finance charge s accrue during the promotional period to are cot added to your acnodn. balance. Instead, they accumulate from hJhn cycle to billing ciycip It a defaced interest Qualifying Pr ref odonal Flnammng balance is not paid +ri full by the applicable Expiftion Date. the deferrer hnanee chs.ran s hill be added to your account as soon as the first day aher the Fxplration Date -urther, if you (di under the terns of yaw Cardrneril Agreement. the deferred finance charges *if be added to ymu i commt as soon as the date of default For fixed patnnanf Qualifying Promotional hrrti that,. ..:ohs you to pay `or a purchase in a designated number of payment you well not have, a grace period `or that balance as each payment ind I ; a bon of fh interest coved over the repayment trm for that buret Hn you ill have grace paned on other newocrchases as descr:uto at. BILLING RIGHTS SUMMARY In Case of Errors orQuesdins About Your Bill If you thank you b II r :,rang. or if you need more inf atwn about a Iran r on an oil till write Cardmemb,r Service on a paste street of Pr cox 1 299 WI rnmg on. DE 19850 299 as soon asp sible, We nust hear _m you ,Is lalcrthan 60 days after to sent you the?rst bill on thich the rr-or or uroblem appeared You can telephone its, butdbing sr troll not pre yr , your rights. In Leon letter give its the following nfollion • Your rams and account rnber • The calla amount of the iuspecub elmr • ;lescribe the error and ellon, if a an. iuh r it b liove turns is an error. If iru need more inform on, de_,, r_ the rt nor are unsure about. eve to pay any1mount in question ootstigating, but you ar,still obligoted to ply the parts of you flat are not in question While e ".:your4i,estiorr we cannot report you as delinquent or bi action to retract the ahount you question It you have authorized us to pay your credit card bill automatically from your sarongs m;hucking account. you can stop the paymentFOn any amount you think is wrong. Tc stop the payment. your letter or III (using the Cardmenbe, Service adoress or telephone number shown on this talem,ri rant rea ch as it asf three busines. days before the a omahc pay.nent Ic s r curled ro occur Special Rule for Credit M Purchases: If oil rave n probl n with the quality of q-r's or service that yo. purchased i,lith a most card excluding purchases ?. :with a chat 1, and you have tried n goc I faith to correct the problem with ore merchant, you may not have to ray L emammg amount due on the Goads or services- You have this piolecrion nIy when the purchase at - is more flyer $00 and the pr,r h e ryas made ?our home state or within 100 miles of your readmg address These lirahatronc Is not eppq f i- own or operate th merchant ) f 'ere n adad you the advert) n-rnt for the property or seiv Loes MAa: ri 08 Statement Tor account number 4388 5760 2062 4196 New Balance Payment Due Date Past Due Amount Minimum Payment 54 9368, 02121/09 $133.00 $320.00 . Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail'? Print on brick 43885761720624196000320000049=16820000002 :) ;1' L4EX 9 02709 C M_R 13130OKE R RHODES PO BOX 615 NEW CUMBERLAND PA 17070-0615 JWUNITED Mileage °lusm IrrrIllrlrrlrrlrlrllrIIIIIIlrllrr11111.111.11,rlrlrrrllrrllrr1 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON Dc 19886-5153 1:5000 160 281: 2 3660 206 24 1196 111' Opening/Closing Date. 12/28/08 - 01/27/09 CUSTOMER SERVICE W U N-1 T E D. - Pay ment Due Date. 02/21109 In U.S. 1-800-537-7783 Mileage Plus- Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S_ -,all collect 1-847-888-6600 Minimum Pa: merit Due for Credit Access Line $187.00 Past Due Am nett $133.00 ACCOUNT INQUIRIES Total Mimmu n F'avment Due $320.00 P.O. Box 15298 Wilmington, CE 19850-5298 PAYMENT ADDRESS VISA SIGNATURE SUMMARY Account Number: 4388 5760 2062 4196 P.0 Box 15153 Wilmington, DE 1i 886-5153 Previous But 9ce $4,736.37 Credit Access Line $5,0017 Purchases, C ash. Debits +$101.22 Available Credit $63 VISIT US AT, Finance Chat +$9923 Cash Access Line $1,000 www. chase.com/united New Balance $4,936.82 Available for Cash $0 The new AP , ant promotional rate expiration reflected on this statement is a result of a late payment on 'Our account. For your convenience, you can always pay online by accessing our wetsite disp avod on this statement. MILEAGE PLUS MILES EARNED 1-800-421-4655 (Mileage Plus) Miles earnee this statement from purchases 63 1-800-241-6522 (Reservations) Total mites earned this statement 63 Total miles tiansf=rred to United 63 TRANSACTIONS Trans Amount Date Refer- n.:::: Number Merchant Name or Transaction Description Credit Debit 01 /04 24692169004000650632211 YAHOO SEARCH MARKETI +66-878-4104 CA $30.00 01/2' LATE FEE _ 39.00 01124 24164 5BC25378002007523 EXXONMOBIL 42097220 CANir nn_L PA 32.22 FINANCE CHARGES Finance Charge Gaily 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 .06641% 24.24% $4,82024 $9923 $0.00 $0.00 $99.23 Cast, advanceV .06641% 24.24% $0.00 $0.00 $0.00 $000 $0.00 Total finance hmges $9923 Effective Annual Percentage Rate (APR): 24.24% Please see lnformation About Your Account section for balance computation method. grace period, and other important information The Corresp,maing APR is the rate of interest you pay when you carry a balance on any transaction categorv. The Effective APR represents your total finance charges - including transaction fees such as cash acvance and balance transfer fees - expressed es a percentage. Pig 1.1 ..2 000 V 9 27 0910112 Page 1 of 1 05058 MA MA '9647 G271000002000086470' X 11 _1 Address mange Request Please h rovide information below only if the address information on front is mecrrect. Stree: -cress. C try State Zip ---- Home -one. Work 'h.oine E-ma sddress L Information About Your Account Lost of Stolen Cards: Please rehort your lost or stolen card irnnnedia:ely by ' ng th r fomel Service number found on the front of vour statement. r ,so,, I al:ways available to assist you- You can reach an Advisor by :ie,Sl llq ?hh,r you Pogo your a,,.ount number. Crediting of Payments: Far payments by regular U.S. mad. send at (east you, minimum renter- to our post office box designated for payments sho.vn tt F dr payments by mail must comply with the instn.;tlons - '^ rt -.J must be made by check or money order, payable in L cud dravm on or payable through a U S_ financial Inslitu flan o' I uL h of a foreign financial institution. Do notsepd rash. Write your °bsi on your check or money order Payments must be, by the payment coupon in the envelope provided with our forearm the envelope windowthe envelope cannot contain hat M, or coupon, and there ran be no staples, Pape Clips. t-;" - .'.mence included with your payment. If your paymert is in r-oa, : rntn our payment instructions and is made available to us on any are excel I C ember 20 by 1 00 p.m. local time at our post office box ?ssgnate payments on this statement. we will credit the payment to your recount a I tnat day. If your payment is in accordance with our ptymtni SFUCNbr5 taut s made available to us after 1.00 p.m. local time at our post Dglce box %nrsIgnaten for payments on thus statement, we will credit it It your aecounta of if fenext day lfyou to not foPoW our payment instructions or I' ,cur pavren- is not sent by regular U S. mail to our post office box ri,sci ate fm. cayments, crediting of your payment may be delayed to up to days. matins mane electronically through our automated telephone ",vice (. stoner Service advisors. or our web site will be subject to any I, ratessrr I nnl.s disclosed for those payments. Account Information Reported to Credit Bureaus: We may report mformatior, about von - if cunt to credit bureaus. Late payments. missed payments or -:har def: Ifs Cm your account may be reflected in your credit report . If yo, think vie eve reported inaccurate information to a credit bureau. yo, may ;,rife to a at the Cardmember Service address listed on your billing itatemer- NChce About Electronic Check Conversion. Wher you provide a c-° as. lent, you authorize us either to use information from your check r ri a-- gin. -time electronic fund transfer from your account or to process it a check transaction. When we use information from your r elecucnie fund transfer, funds may be withdrawn from your i? th lame day we receive your payment, and you will not tfrom year financial institution- Call the cu roomer - in this statement if you have questions about ele:tromC P. or do not rwantyour payments collected ele0tronlcally Conditional Payments: Any payment check or other form of payment th at you :[I than the full balance due that is marked "paid in full' or --- are abortion. or that you othermse tender in full satisfaction of disport, count must be sent to Card Services, PQ. Box 5049 r r Inc ngh r 198K-5049 . We reserve all our rights regarding these vments it ..sdeta unined the ie is no valid dispute or if any such check r"erra '. 't any offer address. ve may accept the check and you -.ill still ur any I ct. icing balanoel. We may refuse to accept any such payment by -turning _ you not cashing it or destroying it All other payments tlntyou reek- s,,o d oe sent to the appropriate payment address. Annual Renewal Notice: !f your account has at, annual tee. it will be billec ca-h year %[ n monthly installments. rwhil or not you use your account con a 1, e to pay T When billed. The annual fee is non-refundable .rnlese Jul nbmfy rs that you ,rush to close vour account within 30 days of the date a mail v ?! statement on which the annual fee is charged and at the same your ,rv:m r outstanding balance in full. Your payment of the ann ial fee iet: our rightsto .'lose your account and to lirnityourright It make ! ibtic r n dour ec' rot If your account Is closed by you or us ,ve ,wd'nhnti - I arge the annual fee until you pay your outstanding balance in and t2 i,fe your ac ount relatiorshlp. Explanation of Finance Charges: We calcuale periodic finance charges a the ?pu c:able periodic rates shown on this statement. separately for h fea'!.I. e g balance transfer!' convenience checks and cash acvance link trarsact-on'). car :;bases. balance transfers, cash advances m(t I balances or overdraft advanoec. Please consult your men Agrserrl 'or the features that are applicable to your card u urns may eornbme different categories with the same daily I`there is a "V" not to a periodic rate an this statemert. that r-1 ndex and margin used to determine that rate ',.no it, „3R _o described in your Cardmember Agreeme1t. as - '.a minimum finance charge m any billing cycle in whil.h you floor - charges. and a transaction finance charge for each I ash vance. or check transaction. in the amounts stated it - ,. A,ICa vent. as amended. car y balance for each nay of the current billing cycle. we tl,e the nee tar each feature. add any new transactions or other debits 'Curuhl I ^npaid finance charges and other charges;. subtur t any car - afs. and make other adjustments. Transactions are added as u a, us date the beginning of the bilking cycle in which they are count or a later date of our choice (except that check I 'con ided as of the date deposited by the payee or a later date of ore ai added either on the date of a related transaction, the date y are P, 1 to you: account. or the last day of the billing cycle. This gives that da. daily balance A credit balance is treated as a balance of z=m if hi y per r rate applies to any feature. we multiply the daily balance by the r hero are to gel cur perlodie finarce charges for that day. W; than 7 add these PEurdw `mance charges to your (July caram e to get the beginning balance b in, Jay. (If more than one daily periodic rate could apply based on the are, ball balanr 0d1 use rte daily p rode- rate that apple, for th- ',e dai? oalama air wl a d end of the bit life cycle to calculate the umly _,riodlc finance h rge earn dad To get you' total periodic finance charge for a billing cycle when a daily Pe oil'- c applies, vie add all of the daily, per odic finance charges for all fea0. =rnl an average daily balance . the add you= oa ly balances and dwide by the. number of the days in the applivable billing cycle(s) If you multiply the average daily balance for each fesi by the applicable dais periodic, rare and than deaf y each of these results by his number of days in the appncaole billing cyde(s), and then and alk of the results together the tot i will also equal the pal ref it finance charges for the billing yule, except fonninorvariations due to founding. To get your total period. finance charge for a Lillie g ryde when dif monthly periodic r. e(s) applree multiply the average daily Is ca for eta feature by the il;able monthly periodic rate and add the results together, The total r?vill equal the periodic finance charges for the billing cycle exreptfor minor vanaron; rh r, to rounding Grace Period (at least 20 days): We accrue per odic finance charges on a transaction. fee. a, finance charge hem the den. It s added to your dally balance until payment in ful is received on your atcount However we do not charge periodic finance charges on new purchases billed during a billing cycle it vie receive both payment of your New Balance mr your current statement by the date and time your payment is due and also pi vmentof your New Balance on your previous statement by the date and time your payment was due. There s no grace period for balance tmnsb^.rs cash ad varicose rherk transactions. or overdraftadvances. In additio^. if than is a "qualifying Promotional Financing" section on this sotemont your -Al not incur periodic, from re .-.argon on any Remaining Bai that appears in that section if you pay 'hat balance In full by the - --^ , duration Date. However if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer the applicable oohed - inancelharges will acrrhe on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on neyv purchases when your New Balarce includes any Remaining Balancers) n the Qualifying Promotional Financing section. pay your full New Balance minus the total of those Remaining Balances; by the date and tune your payment is due However if your statement snows that a mimmum payment is due, vo most ceive at IPnst that min mum payment by the data and time specified on your?tatement over it your Nerrv Balance :oisists only of QualUying Promotional Financing balances For "deferred interest Qualityrng Promotional Fnanci?g, parodic finance charges accrue during the promotional pa,icd tut are not added to your account balance . Instead, they accumulate hom Liking cdcie to billing cycle. If a deferred ?.nlerest Quauii ing Promotional Financing balance is not paid in full by the applicable Expi lion Date the deterred finance chances will be, added to your account as *on as the first day aft er the Expiration Date. Further. if vbu default unit* the terms of your Cardmember Agreement. the deferred finance charges will be added tc your act Lunt as soon as the date of default For 'flxaI payment Qualdy(ng Promotional Rnanrng that permits you to pay for a purchase in a designated number of paymonts. you will not have a grace period for that balance as each payment includes a portion of the interest roved over the repayment (arm for that purchase Ho•vever ,,on ill have a grace period on other new purchases as des-[bore above BILLING RIGHTS SUMMARY In Case of Errors or Guest sAbout Your Bill If oo hmk your bill is wrong or if ou reed mere inf about a than a ban on our billm to Carimember Se,vm carafe sheet at PQ Lox 15299 Wilco ngton DF 19860 3299 as sooJation ible We must heat corn you no later than 6C gays after we seatyst bill oil whroh the error or problem appeared You can telephone its butdbing so +Ml notprese,, goer rights. In your letter give tis the following information. • Your name and account ritirnber • The dollar amount of the puspected aroi • Describe the errorand o lain if ou en. p?rhv it believe there is an error If you need more ?.nform on, des nbe the ten, roc are unsw bo:.t. You do cot `rave to pay anyemount in question whie we are investigating but you are sti:1 obligated to ply the ports of your Li I that are not m question While ire ievestlgate your question. ve cannot r,port you as delinquent or take action to collect the adnount you question. If you have authorized us to pay year edit acrd bill au magically from your savings or checking account vc'r e i si 0p the paymert?on any amount ,,on think is wrong To stop the, pay are latter or off (using he Cardn ,ber Service coerces 3, other shown n this atatementh must reach u at least three 1. t" buslne s drovs before the attomati payment r s.;ieduled to oCU; Special R,;? I, It ;.reedit Card Purchases: r o, hate a problem vith the county if goods or service?t that you purha,ei vfit ncredit cud -`:ling pure h s made with a check), and you h. coed it good faith t - the problem with the ,,ban se you cony not hove to oay the remarnint amount due or the goods or se 'ces You hay this rotection only vner, the purct P puce !was more n $50 cold he par. hr e mas mad in your home state or vithin 10C miles your a I-rig aad e -. These limitations as not apply re erom or op ate the rte. :than( r f :ve art F0 you the envoi nemre nt fm tie orop?rty or s r -a, MA03) 708 Payment Due Jane New Balance Past Due Amount Minimum Payment 1 03124/09 $5.122.20 $320.00 $648.20 Account numbe r: 4388 5760 2062 4196 Make your check payable to: Chase Card Services. . Please write amount enclosed New address or -mail' Printer back. 438857L,020624196000648200051c'2200000007 I EX It 9,809 G V R BROOKE R RHODES P') FOX 615 NI-IN CUMBERLAND PA 17070-0615 1:5000 160 281: 23660 20G 24 19G In, iWUNITED Mileage Plus- Minimum Pa,,irnmt Due for Credit Access Line Payment Due for Balance Over Credit Access Line Past Due Am..... t Total Mimmu n Fayment Due Statement Date: 01/28/09 - 02/27109 Minimum Payment: $648.20 Payment Due Date: 03/24109 W UNITE D Mileage Plus* ) CARDMEMBER SERVICE PO BOX 15153 WILMINGTON D= 19886-5153 $206.00 $12210 $320.00 $648.20 ACCOUNT _SUMMARY VISA SIGNATURE Account Number: 4388 5760 2062 4196 Previous Balance $4,936.82 Credit Access Line $5,000 Purchases. Cash. Debits +$69.00 Available Credit $0 Finance Cha, ges +$116.38 Cash Access Line $1,000 Nev, Balance $5.12220 Available for Cash $0 011 Manage your account online: - chase. comlunrted Additional contact information conveniently located on reverse side vow ?:redit r..: d account is past due. Please send payment immediately- Call 1-800-955-803(1 (collect 1-302-594-8200) today The new APF 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 or this statement. MILEAGE PLUS MILES EARNED Miles earned thrs statement from purchases 30 1-800-421-4655 (Mileage P'us) Total miles at ava [able for redemption 30 1-800-241-6522 (Reservations) Total miles tr lnsferred to United 0 Open Mileag, - PRus accounts, that are not delinquent, earn 1 mile for every $1 in purchases. Use your Mileage Plus card for all your purchas a o earn miles that can be redeemed for award travel on United. FACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 01128 YAHOO SEARCH MARKETING 866-878-4104 C:,. 30.00 02122 LATE FEE 39.00 FINANCE CHARGES - ? Finance Charge Transaction :daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service C[targe Fin Charge CHARGES Purchases V .07463% 27.24% $5,030.39 $116-38 Vi $0.00 $116-38 Cast advance V .07463% 27.24% $0.00 $o.00 50.00 $0.00 $0.00 Tota `inance :haraes $116.38 Effective Annual Percentage Rate (APR): 27.24% Pleas: see It loonation About Your Account sect ion for balance computation meth od. grace period, and other importan t information. T-he 1-rrespr ed.ng APR is the rate of interest you pay when you carry a balance on any transaction category . The effective AFR represents your total finance charges - including transaction fees suer' is cash ad,rance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS We are bringing you clear and simpler Take a look at the new format of your statement - we, hope you find it easier to read. It still has everything you need on the front and back, witt information simply displayed. 00001 FIS3, :t - 2 0DO Y 9 27 09/02/27 Page 1 of 1 05058 MA MA 205 :sr 115811100092C002053Kl 7( wnq P.ddreas Change Request Pleas:; urcvide information below only if the address information on front is incorrect. Streell. acldress --------------- City State _- Zip ----- ---- Horne-hone Work -'hone -_- ___ ___- E-ma: i,.,Iclress. .- To contact us regarding your account: By Telephone: r it if S. 1-800-537-7783 Fspanol 1-888-446-3308 TDD 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website: Pav by phones-800-436-7958 P.O. Box 15298 P.O. Box 15153 -chase. com'unued Cuside U.S - call collect Wilmington, DE 19ei50-5 298 Wilmington, DE 1988&5153 1-847-888-6600 Information About Your Account Creditinu of Payments: For payments by regular U S mail, send at least yo, I mnmum payment due to our Payments address shows cn this :tolement. Your payments by mail must comply Tech the I structr 15 ca this statement, and must be made by check or money order. p-val:le in U.S. Dollars. and drawn on or payable through a U.S im; acid institution or the U-S- branch of a foreign financial insritut-c Do not send cash Write your account number or your aleck i money order. Payments must be accompanied by the raynent loupon in tie envelope provided with our address visible I?raugf he envelope window: the. envelope cannot contain mare than t -e payre?L ar coupon and there can be no staples, paper clips. tape coriespo ic:ence included vnth your payment. If your payment is r: accoin,ime with our payment instructions and is made available P. us o, any day except December 25 by 1 00 p in local time at our Payments adcress on this statement we will credit the payment to yor,, acc_unt as of that day. II your payment is in accordance with rw payn ai' instructions, but is made available to us after 1:00 p.m b,cal pnr at our Payments address on this statement, we will Credit i' your , aunt as of the next day- If you do nor follow our pai rrl srucbr us or if Your payment is not sent by regular U.S. mail to :.ur Payi errs address, crediting of your payment may be delayed for .q1 to 5 lays. Payments made electronically through our automated Lrephcni reface- Customer Service advisors, or our web site will be, Icect t; any processing times disclosed for those payments Account Information Reported to Credit Bureaus: We may repot if formal ri aaeut your account to credit bureaus. Late payments Based uryc-ems or other defaults on your account may be reflected in ;our ruin it -,port If you think we have reported inaccurate information ?s a Start t bureau, you may write to us at the Inquiries address Chown t i this s atement. Notice Aoout Electronic Check Conversion: When you pay by rheck %ou outr.roe us either to use information from your check to make one-tin deotroaac fund transfer train your account or to process -'e pave en_ as e. check transaction. When vile use information -n,n yon I -,neck to make an electronic fund transfer, funds may be Al,t lr !rum year accountas soon as the same day we receive your payment amt you will not receive your check back from your financial I SULLA?c r. Call the Customer Service number on this statement if you we que ticn; about electronic check collection or do not want. your f:iyment. cc hected electronically. Conditional Payments: Any payment check or other form of pavmem. - at you -ni is for less than the full balance due that is marked 'paid r frll- o ccntalns a similar notation, or that you otherwise tender in Ill satyr-ctoi of a diseuted amount. must be sent to Card Services 0 Box 15049. Wilmington DE 1 08 50-5049. We reserve all our Ihts ie,iroing these payments (e.g., it it is determined there Is no id dill ale cr if any such check is received it any other addrel,s, we rra,; acct pt the check and you will still owe any remaining balance) ,re may i to accept any such payment by returning it to you. not r shing i cr destroying it All other payments that you make shoild be nt to :f it regular Payments address shown on this statement Annual Renewal Notice: If your account has an annual fee. it will be rased eac?. year or in monthly installments, whether or not you use your arcount .and you agree to pay it when billed. The annual fee is non- r-turml - uiless you notify us that you wish to close your account rhm 30 iavs of the date we mail your statement on which the annual e is cil and at the same time. you pay your outstanding balance h 11 Y_,f payment of the annual fee does not affect our rigets to A. you cccount and to limn your right io make transactions on ,,gym, an, in It you' account is closed by you or us. we. will continue t charge the annual fee until you pay your outstanding balance in full rd terminate your account relationship. Explanation of Finance Charges: We calculate periodic hrance charges ring [lift .(ut I able periodic rates shown on this statement. separate y each !, g_balance transferlconvenlence checks and cash n ?-. k i check transaction (. purchases, balance transfers. ,. promotional balances or overdraft advances) These rn alit iy combine different categories with the same daily ran:adfi ..le[,. If there is a `V' next to a periodic rate on tins statement, zt rats '1n,, eary and Vfe index and margin used to deterrnin' that I .e and rts -orresponding APR are described in your Cardmember BgreerrenT : s amended. -here is a minimum finance charge is any hag cycle in whin you owe any periodic finance charges. and a r-rsactic 'ioance charge for each balance transfer. cash advance. check t asaction. r the amounts stated in your Cardmember A.nreenl os amended. To gel the daily balance for each day of the current billing cycle, we take the begmningir balance for each feature, add any new transactions or other dabits (Including fees. unpaid finance charges and other charges). subtract any payments or credits. and make other adjustments. Transactions are added as of Inc transaction date, the beginning of the billing cycle in which they are posted to you, account. or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a laterdate of our ciotcet Fees are added either an the date of a related transaction, the date they are pasted to your account, or the last day of the billing cycle. This gives us that day s daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate apples to any feature, rive multiple the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic final ce 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 far the average daily balance amount at the and of the billing cycle to cal:,ulate, the daily periodic fiiance charge each day) 10 gel your total pert finance charge for a telling cycle when a as , 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 `,a dnces and divide by the nrmber of the days in the applicable bilung cycle(s). It 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 penoI finance charges for the yuling cycle. except for minor variations due to rounding To get your total periodic trance charge far a billing cy when a monthly oenodic rate(s) applies. multiply file averaged I balance for each feature by the applicable monthly periodic rate an add the results together The total will equal the oenodic finance charges for the billing cycle except for minor variations due to rounds Grace Period (at least days(: We accrue oerlodlc 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, ave do not charge periodic finance cf arges on new purchases billed during a baling cycle if we receive half payment of ycur New Balance an vour current statement by the date and time your payment is due and also payment of your New Balance on your premous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advai ces check transactors or overdraft advances. BILLING RIGHTS SUMMIRY In Case of Errors or Qulstions About Your Bill: If you think your bill is wrong, or if you need Inore information abr ut a transaction an your bill. write Customer Sal on a separate sheet at P 0 Box 15299 Wilmington, DE 19950-5299 as soon as possible We must hear from you no later than 60 days after we sent you tae first Ill, on which the error or problem appeargo. You can telephone us, but doing so will not preserve your rights. In your letter give is th,3 lollowinq mf i-mason. • Your name and account number • The collar amount of till suspected error Describe the error and explain, if you can, 2vhy you believe there is an error If you need lFore informalon, describe The item you are unsure about. You do not have to I any amount in questicn while we are investigating but you a still obligated to pay the parts of your bill that are not in quesh'oo. Mile we investoate your question, we cannot report you as delinquent or take action to collect the amount you question, It you ha authorized us to pay your credit card bill r, tomaticlly from your vings or checking a,count you can stop the payment an any amount ou think is wrong To stop the payment. your -,using them uiriesaddressorCustomerServiceielephone number shown on this s ement) must reach its at least there business days bal thr -comati payment is schedul to occur Special Rule rot Credit Card Purchases: If you nave a proolem with the quality of goads or services that you purchased with a credit card (exclumng purchases made with a check). and you have tried in good faith to correct tl,e problem with the merchant, you may not have to pay the rernainl rig amount due on the goods o, services. Ycu have this protection only when the purchase price was more than 550 and the purcha e was made in ar home state Pit n 106 miles of your madinq address- These litatinns do -rat aptly i. true own or operate the merchant, cr t we fled you the adver serve r; for the property or services. ,am I r A0e Payment Due Date New Balance Past Due Amount Minimum Payment 1 04/21109 I $5.241.35 $526.00 `333.35_` Account number : 4388 5760 2062 4196 A. Make your check payable to: ry? $ Chase Card Services. Please write amount enclosed. New address ore-mail? Print on back 438857602062419600093835005241350000001 I 41 EEX908609C MR BROOKE R RHODES 673 HILLTOP DR WEB CUMBERLAND PA 17070-1721 1: 5000 160 281: 2 3660 206 24 196 If, N U N -I T E D- - Mileage Plus- Minimum Pa, meat Due for Credit Access Line Payment Due for Balance Over Credit Access Line Past Due An, urt Total Minimu? i ''ayment Due Statement Date. 02/28/09 - 03/27/09 Minimum Payment: $938.35 Payment Due Date: 04121/09 AV UN IT ED Mileage Plus, CARDMEMBER SERVICE t PO BOX 15153 WILMINGTON DE 19886-5153 $171.00 $241 3,5 $526.00 $938.35 ACCOUNT _SUMMARY VISA SIGNATURE Account Number. 4388 5760 3062 N96 Previous Balance $5,12220 Credit Access Line $5,000 Finance Char-jo $119.15 Available Credit $0 New Balancc $5,241.35 Cash Access Line $1,000 Available for Cash $0 LJ ---_' Manage your account online: www. chase. corn/united Additional contact information conveniently located on reverse side The charge p- vieges on your credit card account have been revoked. You no longer have the ability to use your credit card account for p irchases- We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. The new APF arc promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience 7ou can always pay online by accessing our website displayed on this statement. MILEAGE PLUS MILES EARNED Mile, earned thi= statement from purchases 0 Thank you for choosing the United Mileage Plus Total miles unavailable for redemption 30 Visa! Please visit www.united.com/chase to Tnlai miles tr,nsferred to United 0 see all of your redemption options! Year to date inners earned on credit card 93 1-800-4214655 (Mileage Plus) 1-800-241-6522 (Reservations) Your United "i,cage Plus Visa allows you to earn unlimited miles for your everyday spend! You earn 1 mile for every $1 you spend on purchases Add authorized users, and sign up to have your monthly bills charged to your card- why not get miles for all those purchases to FINANCE CHARGES Finance Charge Transaction 'wily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 28 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .08216% 29.99% $5,179.42 $119.15 $0.00 $0-00 $119.15 Cast advanc V .08216% 29.99% $0.00 $0.00 $0.00 $0-00 $0.00 Told finance ;:harges $119-15 Effective Annual Percentage Rate (APR): 29.99% Plea- see Irfornation About Your Account section for balance computation nethod. grace period, and other important information. The .orrespc: nd,ng APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APF represents your total finance charges - including transaction fees such as cash iduance and balance transfer fees - expressed as a percentage. 000 V 9 27 09103/27 Page 1 or r 06058 MAMA 1574( OB611I090020001 W4601 X Address Change Request Please, o,ovide information below only if the address information on front is incorrect- Streel r;ddress ----------------------------- ------ City State -- Zip _ Home Phcne. --- Work Prone. -- _-- ---- E-ma ,'ddress ----------- -----'----- -- L To contact us regarding your account: By Telephone: Ir U.S. 1-800-537-7783 ' ,t t Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: T D D t-800-955-8060 Fay by phones-800-436-7958 P.O. Box 15298 P.O Box 15153 chase, cc m/united Outside U S call collect Wilmington, DE 19850-5298 VJlmington. DE 1988&5153 1-847-888-6600 Information About Your Account Crediting of payments: For payments by regular U.S. mail, send at least yo, minimum payment due to our Payments address shown rr this talement Your payments by mail must comply wish the I, Structi is ca this statement, and must be made by check or money Oder. p.ir,lble in U.S Dollars and drawn on or payable through a S fir% iota[ inshtuoon or the U.S- branch of a foreign firancial u clitutC Jrr not send cash. Write your account number on your :.,1eck o money order. Payments must be accompanied I v the payment coupon in the envelope provided with our address ilsible " ImUgh rid envelope window. the envelope cannot contain more than 'e pays lent or coupon: and there can be no staples, paper clips, tape corre, po idence included with your payment. If your payment is ie accon:an::e whh our payment instructions and is made available u, us on any day except December 25 by 1:00 In m- local time at our i'zynlent address on this statement we will credit the payment to vaur anterior as of that day If your payment is in accordanai with cur payr unit instructions, but is made available to us after 1:00 p-m. Iecal rim at our Payments address on this statement, we will credit it Ic your t total as of the next day If you do not follow our payment iristruchnls or if your payment is not sent by regular U.S. mail to -ur Payl ent5 address, crediting of your payment may be delayed for ,Ip 'o 5 iavs. Payments made electronically through our automated elephon sentice. Customer Service advisors, or our web site will be ',i&ect t. any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may repot Informabm aaout your account to credit bureaus. Late payments hissed p lymems or other defaults on your account may be reflected in vocr cret it report If You think we have reported inaccurate information to a creel 1 nareau. you may write to us at the Inquiries address shown en th5 s element. Notice About Electronic Check Conversion: When you pay by rheck on autt rile us either to use Information from your check to make z one-tin e electronic fund transfer from your account or to process re payment as a check transaction. When we use Information i?om yotl check to make an electronic fund transfer. Rinds may be thdra,a ngm your account as soon as the same day vie receive, your l syment. ant you will not receive your check back from your financial I -stitut o Call the Customer Service number on this statement if you rave questions about electronic check collection or do not wan, your payment. ccdlected electronically Conditional Payments: Any payment check or other form of pavment :cat you em9 is for less than the full balance due that is marked 'paid PI full' o ccn_ains a similar notation, or that you otherwise tender in 1 sales! coon of a disputed amount, must be sent to Card Services - 0 Box '5049 Wilmington, DE 19850-5049 We reserve ail cur Tnts renarding these payments re.g.. if it is determined there is no .fid disfee or if any such check is received at any other address, we ay acct n me check and you will still owe any remaining balance) Le may .use to accept any such payment by returning it to yao. not ,shiny r Or destroying C. All other payments that you make should he not to tr - egular Payments address shown on this statement Annual Reneural Notice: If your account has an annual fee. if vlill he I led eacr near or in monthly:nstallments. whether or not you use your Account. ono you agree to pay it when billed. The annual fee is non- etundabl unless you notify us that you wish to close your ac-ount ![,in 3C nays of the date we mall your statement on which the annual -e a c"arged and at the same time. You pay your outstanding balance n L,II ya,.( payment of the annuar fee does not affect our rights to )an you I account and to unlit your right to make transactions on or account J your account is closed by you or us, we will cor Loire charge t^e annual fee until you pay your outstanding balance n full i to term rate your account relationship. Explanation of finance Charges: We calculate periodic finance charges. Isieg the applicable periodic rates shown an this statement, separately - eac ?eate-e (e.g..balance transfer/convenience checks and cash vance cheeks ('check transaction"), purchases, balance transfers. I acv[ r -.s. promotional balances or overdraft advances). These Iat,. ray combine different categories with the same daily iod c ,at If there is a' W next to a periodic rate on this state nent- rata f •rary. and the index and margin used to determine that ite and 1. :orresparding APR are described in your Cardmember i er mere as amended- There is a minimum finance charge in any i lira cyri.. Ti which you owe any periodic finance charges. ;iod a Iansachc -. finance charge for each balance transfer- cash advance. r check ?ransaction, o the amounts stated in your Cardnnernber Agreement -s amended. To get the daiY balance for each day of the cu•rent ailing cycle. vie take the beginning= balance for each teatu e, add any new transactions or other dtits (Including fees, true 1 finance charges and other charges). subttect any payments or creeds, 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 cholee (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are pasted to your account, Or the last day of the hiking cycle. This gives us ttla- days daily balanpe. 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 beginrl 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 hilling cycle when it daily periodic rate(s) applies, we add all of the daily periodic finance charges tot all features. To determine an average daily balance. we add your daily balances and divide by the nt rnber of the days In the applicable billing cycle( s . If you multiply the average daily balance for each leature by the ap cable daily periodic rate, and then multiply each of these results b the number of days in the applicable billing cycle(s), and then add 91 of the results together, the total mil also equal the periodic finance charges for the 7llling cycle- except for minor variations due to rounding To get your total periodic finance charge fur a billing cycle when a monthly periodic rate(s) applies. multiply the average dal balance for each feature by the applicable monthly periodic rate an add the results together- The total will equal .it, periodic finance charges for the billing cycle. except for minor variai:„ '?eto roundinngp. Grace Period (at least 2D days): We accrue periodic finance charges on a transaction. fee. or finance charge from the date it Is added to Veit daily oaLtu ce until ayment in full is re^eived on your account However. eve do not olio a periodic finance ctarges on new purchases billed curing a billing cycle if we receive both payment of your New Balance on your currentltatement by the date and time your payment is due and also payment of your Nebv Balance on your previous statement by the date aild time yuur payment was due. There is no grace period for balance ransfe-s. cash advances check transactions. or overdraft advances. ?_1y?_ BILLING RIGHTS SLIT Y In Case of Errors or Qu tions About Your Bill: If iou think your bill is wrong. or if you need are information about a tansaction on your bill. write Customer I ice on a separate sheet at P 0. Box 15299 Wilmington, DE 19850- 99 as soon as poss ble. We, must hear from you no later than 50 da _ after we sent you the first bill on which the error or problem appear. You can telephone us, but doing so will not preserve your rights- In or letter give us the following infcrma^on- • Your name and octet number • The dollar amount of the suspected error • Desclihe the eror andexplaln, if you cao. tihy you believe there is an error it you need more Irformation. describe the item you are unsure about. You do riot have to ply any amount In question whale we are investigating. but you app 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 a::coum, you can stop the payment on any amount ou think is wrong- To stop the payment, your letter or call (using the Inluiries address or Customer Service telephone numbe shorvn on this statement) must reach rs at least three business days before the automatep payment Is scheduled to Occur Special Rule for Credit rd Purchases: vcu have a problem with the quality of goads or rvices that you purchased vmh a credit card (excluding purchases m e with a check) and VOL] have .led in good faith to correct the prorn with the merchant. you may not have to pay the remaining amou due on the goods o services. You have this pmteclion only when th purchase price was more ttian S50 and the purchase was "lade in home state or n shin 100 miles of your mailing address. These youir tations do net aprIv if we own a, operate the merchant. or 'I eve rdalled you the advertrement to, the property or services. AII 111a Payment Due Date New Balance Past Due Amount Minimum Payment 1 05/22/09 $5.155.35 $258.00 $499.35 Account number: 4388 5760 2062 4196 ` Make your check payable to: (y?/ Chase Card Services. Please write amount enclosed Ni,,,, address or e-mail? Print ors back 43885?L,O2062419600049935005155350000005 51:2 BEX 9 11709C MR BROOKE R RHODES 623 HILLTOP DR N? VW CUMBERLAND PA 17070-1721 tDUNITED Mileage Plus, I„111111111111. 111111111111111111111111,.1111 J 11111111111111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DL 19886-5153 I: 50001602l 2366D 206 24196 ill' MY UN IT ED Mileage Plus• Mininnlm Payment Due for Credit Access Line Payrne:nt Due for Balance Over Credit Access Line Past Due Am ;unt Tota Minimuli Payment Due Statement Date: 03/2E/09 - 04/27/09 Minimum Payment: $499.35 Payment Due Date: 05/22109 $86.00 $155.35 $258.00 $499.35 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4388 5760 2062 4196 Previous Bal::mce $5,241.35 Credit Access Line $5,000 Payment. Crodds: -$86.00 Available Credit $0 New Balance $5,155.35 Cash Access Line $1,000 Available for Cash $O Manage your account online: wwm chase comlunned Additional contact information conveniently located on reverse side The ,harge p viieges on your credit card account have been revoked. Yen no longer nave the ability to use your credit card account for p?rrchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today- MILEAGE PLUS MILES EARNED Miles earned `his statement from purchases 0 Thank you for choosing the United Mileage Plus Tota' miles uravailable for redemption 30 Visa! Please visit www.united.com/chase to Tots miles transferred to United 0 see all of your redemption option ! Year to date Ires earned on credit card 93 1-800-421-4655 (Mileage Plus) 1-800-241-6522 (Reservations) Your United P hleage Plus Visa allows you to earn unlimited miles for your everyday spend! You earn 1 mile for every $1 you spend on purchases Add authorized users. and sign up to have your monthly bills charged to your card- why not get miles for all those purchases to ACCOUNT ACTIVITY Date of Trarsactiop Merchant Name or Transaction Description Amount 0313' Payment - ThankYou -86.00 FINANCE C_H_IARGES Finance Charge Transaction Aonthly Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES PUrcnases 000% 000% $5,163.67 $0.00 $0.00 $0.00 $0.00 Cash advanc,s 000% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00 Total finance -barges $u on Effective Annual Percentage Rate (APR): 0,00% Please see ;ntormation About Your Account section for balance comp.,. ;. god. grace period. and other important information. The Gorrespr. noting APR Is the rate of interest you pay when you carry a balance on env transaction category . The Effective APR represents your total finance charges - including transaction fees such as dash advance and balance transfer fees - expressed a, a percentage. AN 1 NEWS Book your travel on united.com, and you will pay no booking fees and receive the lowest United fare available online, guaranteed. Spend less time searching the web and more time exploring the world. Log on today to plan a trip, check In far flights, check your Mileage Plus(R) balance and more. il' r I S ,, 14 is 1 000 Y 9 27 09104,27 Page 1 0 1 05058 MA MA 014(A 1 I /'00000]00[014na01 X 11 Address Change Request Pleas,- prcvide information below only if the address information on front is incorrect. Stree,. Adores City State -- Zip- ----- ---- Home Phone - ---- VVork r' -I rie --- --- ---- E-may r:.ddress _____---_---_-_-_--___-_9---_-_ _- To contact us regarding your account: n By Telephone: 1) ,"? . ? u It 11.5. 1-800-537-7783 . ? Espanol 1-888-446-3308 TDD 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website: Pav by phones-800-436-7958 P.O. Box 15298 P.O. Brix 1511 www. chase. comlunited Cu side U-S- call collect Wilmington, DE 19F;50-5298 Wilmington, DE 1988&5153 1-847-888-6600 Information About Your Account Crediting of Payments: For payments by regular U.S. mall, send at last you rmirmum payment due to our Payments address shown on this tttement. Your payments by mail must comply wrh the I strucbr 1, o i this statement, and must be made by check or money ::rder, p. xil:la in U-S. Dollars, and drawn on or payable through a I; S finr.nc!ill institution or the U.S. branch of a foreign financial I:.sbathe 1. DO not send cash Write your account number or your -neck or money order- Payments must be accompanied dy the payment coupon in the envelope provided with our address visible 1 hint 1 -he envelope window. the envelope cannot contain morn than ,is paw ,, or coupon: and there can be no staples, paper clips, tape :a corre -poicence included with your payment. If your payment is r accor:.lue with our payment instructions and is made available us on m day except December 25 by 100 p m. local time A our I, ayni oppress on this statement we will credit the payment to :our acr ;urt as of that day It your payment is in accordance with :Ian pawii ,' mstrucirons, but is made available to us after 100 p.m Iscal t'm1, at our Payments address on this statement. we will credit it 1 your ,csult as of the next day. If you do not follow our payment r ofructir P or if your payment is not sent by regular U.S. mail to it Pavri m s address, crediting of your payment may be delayed for u to 5 Jays. Payments made electronically through our automated 'ciephmu, senvice. Customer Service advisors, or our web site mill be -u,blect tr any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may soon' I, format it ali your account to credit bureaus. Late payments. rissed ry rents or other defaults on your account may be reflected in ;our crer c report If vol think we have reported inaccurate informatior a pied hr. real, you may write to its at the Inquiries address shown u this s cement. Notice About Electronic Check Conversion: When you pay by check u awh eo us either to use information from your check to make one -tin , electronic fund transfer from your account or to process e payr inn' as a check transaction- When we use information ocl yo, week to make an electronic fund transfer, funds may be :.tati •'rom your aoceLint as soon as the same day we receiveyour payment. it I you will not receive your check back from your financial iistitut o. Call the Customer Service number on this statement ! you have que ;tens about electronic check collection or do not wan your payments ca lected electronically Conditional Payments: Any payment check or other form of pavment oat you end its for less than the full balance due that is marked 'paid ri toll OF conlains a similar notation, or that you othenroise tender in `.dl satlsl action of a disputed amount must be sell to Card Services, Box 1°_049 Wilmington DE 19850-5049 We reserve al our Irts rer.. biting these payments (e.g_ if it is determined there is no rd dis or if any such check is received at any other address, we s y accem ha check and you will still owe any remaining balance) le r cav i r. e to accept any such payment by returning it to yo I, not e ng it stroying it. All other payments that you make should be nt to try opolar payments address shown on this statement Annual Renewal Notice: If your account has an annual fee, it vrIl he .. led eh, , ve.a-or 4n monthly ?installmenls. whetherdr not YOU usr your a:coi' n' rnd ,on agree to pay it when billed. The annual fee is non- fundabi= rimes you notdy us that you wish to close your account hin 30 days of the date vie mail your statement on whmh the annual a rs chap eh and at the same time. YOU pay your outstanding halance r I'M v: it payment of the annual fee does not affect our rights to u ,nor i. uount and to limit your right to make transactions on ur a ro in i your account is closed by you or us, we will cortinue charge e annual fee until you pay your outstanding balance it hat ii IT terra natI' our account relationship- Explanation of Finance Charges: We calculate periodic finance charges. rg the npph?able periodic rates shown on this statement. separately each ,at I e je.g_balance transfer/convenience checks and cash 1, vance r:heu.ks (' check transaction"), purchases, balance tran;fers- itr acvences. promotional balances or overdraft advances). _h ,;e are s nay combine different categories with the same dally Ii? rode r. frA If thole is a' V' next to a periodic rate on this statement. -hat rate ?1y ?,afy, and the Index and margin used to determine that 'i+e and is uorresport ieg APR are described in your Cardmember A7reemerd ,,-.s amended. There is a minimum finance charge in any cuing cy.. e to which you owe any periodic finance charges. and a ansacticr `.lance charge for each balance transfer, cash advance- 1heck bansaction. ;n the amounts stated to your Cardmember Aureemerf a; amended To get the daily balance for each day of the Current billing cycle, we take the beg.nnin balance for each feature, add any new transactions or other d 'ds (including fees, unpaid finance charges and other charges). sub of any payments or credos. and make other adjustments. Transactlo s are added as of Into transaction date, the beginning of the billing ccyycle in which they are postr d to you' account, or a later date of our chdc?e (except that check mansachons are added as of the date deposited W the payee or a later date of our choice) Fees are added either on the date of a related transachon. the date ?hey are posteo to your account, or the last day of the billing cycle- This gives us that days daily balance. A credit balance n treated as a balance or zero It a daily periodic rate apples to Orly feahne, we multiply the early balance dy the daily pert dic rate to get your periodic finance charges for that day. We then adJ these pei c filar ce charges to your daily balance to get the begin g balance for fire next day. (If more than one daily periodic rate could Apply based on the average dally balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to cal.ini e the daily periodic finance charge each day To get your total perio a finance charge fo- 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 Fit tuber of the days it the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then muhlply each of these results by the number of days ,, the applicable billing cycle(s), and then add All of the results togethl the total will also equal ,he periodic finarr charges Inc the calling cycle. except for minor variations due to ounding. To, get yo it total periodic finance charge for a billing cyi when a onthly aermcfic rate(s) and es multiply the average dailly balance for each feature by the applicable monthly periodic rate ai add the results together- The total wiI' equal the periodic finance charges for tie biking cycle. except for minor variations due to Folmar Grace Period (at least days): We accrue cetiodic hnaece charges on a transaction. fee, or finance charge from the date rf :s added to your daily balance until payment in full is rareived on your account. -_V-1, do not charge periodic finance or arges on new purchases billed during a aphng cycle if we receive halt payment of your New Balance or, „n,., ^ :rientitatement by the date and time vour payment is due and also paym f of your New Balance on your previous stater--ut by the date al time your payment was due. There is no grace period for balance transfers, cash advarcns check transactions or overdraft advances. BILLING RIGHTS SUM flons Y In Case of Errors or UAbout Your Bill: If you think your bit is wrong. or if yoe ore information about a transaction oa your bill. write Customer Se on a separate sheet nt POBox 15299 Wilmington. D9 as soon as pass bie 1'e must hear from you no later than 60 da after we sent! ycm'he fi«. bill on which the error o problem appear . You an telepho e us, but doing co wit not preserve your rights. In four letter. give us B1, followmq nfcrrnation. • Your narue and accou number • The Jolla' amount of thIe suspected err-)r Describe the error andlexplair, if you can, t/hy you believe there is an error It you need Jhore mro•mabor. describe the item you are unsure about. You do not have to y any amount in ?ueshon while we are investigating. out you a still obligated to a ,y tf?e parts of your bill that are not in queshof. While we InvesVeate your question, we cannot report you as dafnquent o' take acb r= to collect The amount you queshon. If you ha authorized us to fly your credit card b:hl automatically trcm youroavings or checking ar,count. yo,r can stop the payment or any amount du think is wrong T( stop the payment. your otter o' call (using the In lines adc ass or Customer Service telephone number shown on this st tement) must reach us at least three bJSiness days before the automat payment is scheduled to drew Special Rule for Credit and Purchases: if v)u have a orob:em with the quality of goods or services that you li loved avith a credit card (excluding purchases in e with a check) and ,roil have tried in good faith to coureer the pro an with the merchant you may not have to pay the rernaining amou due on the goods o services. You have this protection only when th purchase price vvas more than S50 and the purchase was made in ur home state or vArnn 100 miles e` your mailing address These itatlons do not apply it we own or operate the merchant. or it we nedled you the adverfremen' for fie property or services. "'Al1Iloa Payment Due Date New Balance Past Due Amount Minimum Payment 1 06/21109 I $5.155.35 $344.00 $585.35 Account number: 4388 5760 2062 4196 Make your check payable to: • Chase Card Services. Please write amount enclosed. New address ore-mail? Prirt on back 438857602062419600058535005155350000009 ,,u tE B E X S 14709 C MR EiROOKE R RHODES 623 HILLTOP DR N`lA CUMBERLAND PA 17070-1721 1: 5000 160 28t: 2 3663 206 24 196 ill' N U N I T E D Mileage Plus- Minimum Payment Due for Credit Access Line Payment Due for Balance: Over Credit Access Line Past Due Am :Unt Tota? Minimu , Payment Due W U N I T E D Mileage Plus* Irrrlll,Irrlr,I,I.,INIir„I,I.,rrll,l,lr,rllrrl,l,rrll„Ilrrl Statement Date: 04/22/09 - 05/27/09 Minimum Payment: $585.35 Payment Due Date: 06/21109 $86.00 $155,35 $344.00 $585.35 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4388 5760 2062 41? Previous Bali nc $5,155.35 Credit Access Line $5.000 New Balance $5,155.35 Available Credit $() Cash Access Line $1,000 Available for Cash $0 (.] Manage your account online: - chase. corn/united Additional contact information conveniently located on reverse side You haven't n-lade the required payments and your credit card account is 90 clays past due. As a result. your credit bureau may be updated with negative rating. Please send your payment immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today. MILEAGE PLUS MILES EARNED Miles earned ms statement from purchases 0 T:,ank you for choosing the Jnited Mileage Plus Total miles forfeited this statement 30 sisal Pl&se visit www. united.com/chase to retail mils transferred to United 0 see all of your redemption options! Year to date r--files earned on credit card 93 1-800-421-4655 (Mileage Plus) 1-800-241-6522 (Reservations) Your United t.tlieage Plus Visa allows you to earn unlimited miles for your everyday spend! You earn 1 mile for every $1 you spend on pwchases Add authorized users. and sign up to have your monthly bills charged to your card- why not get miles `or all those pUrchases for FINANCE CHARGES Finance Charge Transaction .lrrrihly Periodic Rate C orresp. Average Daily Due To Fee / ACCUmuli;:ted FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases 0.00% 0.00% $5,155-35 $0.00 $0.00 $0.00 $0-00 Cast advanc. -, 0.00% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00 -otal finance :harges $0.00 Effective Annual Percentage Rate (APR): 0.00% Please see Ir ormalion About Your Account section for balance computation method, grace {?geriod. and other important information. The <,orrespo:rding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective 4vR represents your total finance charges - including transaction fees such as cash dcance and balance transfer fees - expressed as a percentage- CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DL- 19886-5153 ::M Os i' FIS.?+ 000 Y 9 27 09,05/27 Page 1 of 05)58 MA MA 436, 14710000020000438801 Address Change Request Pleasa p ovide information below only if the address information on front is incorrect. Stree: ?cldress City State Zip Horne °rone . Work 'hone E-mat F_dcress L ---------- [To contact us regarding your account: } /yam By Telephone: 7 \ 11.S -800-537-7783 E^;pano, 1-888-446-3308 Send inquiries to: Mail Payments to: Visit Our Websne: 1-131) 1-800-955-8060 Pay by pf,-1-800-436-7958 P.O. Box 15298 P.O Box 15153 www. chase. comrunited ,''iree "S call collect Wilmington DE 19E 50-5298 Wilmington. DE 1988&5153 1-847-888-6600 Information About Your Account Creditinn of Payments: For payments by regular U S mail, send at least you minimum payment due to our Payments address shown c,r this taternent. Your payments by mail must comply with the Instrucb; 1. on this statement, and must be made by check or honey cider, ct-irtf in J.S. Dollars and drawn on or payable through a -,.S fi-aurn:a institutor or the U.S- branch of a foreign financial i. rnrito'. fic not send cash. Write your account number on your [heck of Iraiey order- payments must be accompanied by the pat rent I;n ipon in the envelope provided with our address visible -r. Iph ivelope %vindow. the envelope cannot contain more that' rrrc at or coupon: and there can be no staples, paper clips, tape cor dence included with your payment. If your payment is iicca, lire with our payment nstructions and is made available s o,i n, [lay except December 25 by 1-00 p m_ local time it our i'ayment m1oress on this statement. we will credit the payment to ;our are , 0' as of that day. If your payment is in accordance with. r, ;r oayr oil nstruci)ons. but is mace available to us after 1:0C p an Ic;i tim, ocr Paynents address on this statement, we will credit it vow a -[cart as of the next day. If you de not follow, our payment -strust ( r- o- if your payment is not sent by regular U.S. hail to r Payn ns address, crediting of your paymew may be delayed lot ?o ; ^s Payments made electronically through cur automated I'd lepnon: _er.lce. Customer Service advisors, or our web site will be ,hlect tr dry processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may sport I iformat P about your account to credit bureaus. Late payments. hissed p_ynients or other defaults on your account may be reflected in It, crer r report . It you think eve have reported inaccurate informatier r' a creel' oureau, you may write to us at the Inquiries address shown it ln?s s, rinmem Notice About Electronic Check Conversion: When you pay by ( heck. ,nu auth it 7e us either to use information from your check to make one tin e electronic fund transfer from your account or to process Ire pay[ ;alt as a check transaction. When we use information lima you check to make an electronic fund transfer, funds may be thdrara 'ram your account as soon as the same day we receive your payment I c /ou will not receive your check back from your financial ms*hutio'.. 1-,4 the Customer Service number on this statement if you have questions about electronic check collection or do not wan, your p,:yment: cc lected electronically. Conditional Payments: Any payment check or other form of paymcnt that yon' end ;is for less than the full balance due that is marked 'paid r hill' or ceitains a sirndar notation- or that you other-case tender in it sahst lrhon of a disputed amount, must be sent to Card Seriices, 0 Box 1`--049 Wilmington DE 19850-5049 We reserve al our -gl'ts sec aiding these payments (e.g.. if it is determined there is no alic first to or if any such check is received at any other address, we lay acct it -he check and you will still owe any remaining balance). We may ;fuse. to accept any such payment by returning it to yo-i. not cashing it c, destroying it All other payments that you make should be sent' to tPe eguler Payments address shown on this statement. Annual Recoil Notice: If your account has an annual fee. It vrilf be , !led earl sea' or it monthly installments. whetheror not you use your account and you agree to pay it when billed. The annual fee is non- findab : uness you notily us that you wish to close your account c't-nn 30'ir:ys of the date we mail your statement on which the annual r„ ua chsgaa and at the. same time. you pay your outstanding balance n I-d aI payment of the annual fee does not affect our rights to use yecr account and to hrnd your right to snake transactions on :air acct it)! I your account is closed by you or us, we vvill cortinue charge :fe crinoal fee until you pay your outstanding balance n full ale let 11,11r, your account relationship Explanation of Finance Charges: We calculate periodic, finance charges. g the a , liable periodic rates shown on this statement, sepa'ately eacb ,at (e.g_balance transfer/convenience checks and cash I ks I ctreck transaction"), purchases, balance transfers. , promotional balances or overdraft advances) hese efic . nay combine different categories with the same dally tic 1,, If there is a V' next to a periodic rate on this statement. at' rata - ; Crary, and the index and margin used to determine that and 1, rrrrresponuing APR are described in your Cardmernber ?v,e ment as amendee_ There is a minimum finance charge in any -ling cy e n which you owe any periodic finance charges, and a ansacfici 'mmce charge for each balance transfer, cash advance. check :ransaeiion. In the amounts stated in your Cardinember "arrennnrrt s„amerced. To y, c dally balance for eac,r day of the current all,ig cycle we rake the beginningif balance for each feature. add any new transactions or other Ads (including fees. unpaid finance charges and other cnargu>1. subtract any payments or credits. and make other adjustments. TransactioAS 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 choce (except that cheat transactions are added as of the date deposited t the payee or a later date of our choice). Fees are added either on the to of a related transaction. the date they are pasted to your account, pi the last day of the billing cycle This gives us that day's daily balance. A credit balance Ice treated as a baiance of zero. !f a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your )erioc c finance charges for that day. We'nen add these periodic finance ch_.rges 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, vie will use the daily periodic rate that applies for the average daily balance amount at the end of the billing eyrie to caculate the daily periodic finance charge each day. To get your total periodic finance charge In a billing cycle when a daily periodic care(s) applies, we and all of the daily periodic finance charges for all features. To determine an ava[age daily balance. we add your daily balances and divide by the number of the days in the applicable billing cycle(sl. It you multiply the average dally balance for each feature by the ap3cable daily periodic rate, and then multiply each of these results bythe number of days in the applicable billing cycle(s), and then add all of Ire results together. the total will also equal the periodic fina*c charges for the 11lhng rycle, except tot minor variations due to rounding To get yo it total periodic finance charge to, a bdling cycle when a monthly periooic rateisl applies multiply the average dally balance for each tm ure by the applicable monthly periodic rate and add the results together The total ri'II equal the periodic finance charges for the billing cvele. except for minor variations due to rounding Grace Period (at least 20 days): We acenre periodic finance charges on a transaction. fee, or finance charge from the date d is added to your only balance until payment in hi I is received or your account. Howevar, we do not charge periodic finance charges on new purchases billed during a billing cycle it we receive bet? payment Of your New Balance on your current gtatement by tire. date and time your payment is due and also pays t of your Neva Balance on yo, previous statement by the date and time your payment was due."here is no rises period for balance transfers, i;as^ advances check transactions Sr overdraft advances. rill Ill ni"HTS SUMMARY In Case of Errors or Clu ions About Your Bill: If you think your bill is wrong, or it need f re information about a transaction 'In your bill. write Customer Se e on a separate street at P 0 Box 15299 Wilmington, DE 19850- 9 as soon as pos ble We must hear from you no later than 60 da after we sent ,,on the first bill on which the error o' problem appear You can telephone us, but doing so will not preserve your rights. In ur letter give us th,: following Infomation. Your name and accou umber the dollar amount of t* suspected error • Describe the error andexplair, if you can. lolly rou believe there is an eror If you need those Infonnahor. desciib the Item von are unsure about. You do not have to fry any amouu in quest,on evhiie we are investigating. but you a* still obligated to pay the parts of your bill that are not in gdestiol. While eve invesucate your question, we cannot report you as degnquent or take action to collect the amount you quest on . If you have authorized us to Fay you, credo card bill automancally 1r0rr yoursavings or checking ar:count. you can stop the payment on any amount ou think i rnocg To stop the payment. your letter or call (usingthe ln uiriesaderssorCustomerService telephone number shown on this s content) roust reach is at least t P,ee business days before the aulanat payment is scheduled to occu' Special Rule for Credit Ipard Purchases: If y7u have a problem with the quality of goods or sprvlces that you purchased with a credit card (excluding purchases made with a check' and you have Ivied in good faith to correct the pro in with the roe,chant you may not nave to pay the retraining amou due on the goods o. services. You have this protection only when th purchase price was more than 550 and the purchase raas made in ur home sate o, v: Rhin 100 miles of vour mailing address These .itahons do net apply if we own or operate the merchant. at' If we iled you the aeverti;enleht for the property or service, II fins Payment Due Jale New Balance Past Due Amount Minimum Payment 1 07/22/09 J $5.155.35 $430.00 $671.35 Account numbe r: 4388 5760 2062 4196 Make your check payable to: Chase Card Services. • Please write amount enclosed. New address or e--l'I Print on back 438857E:,02062419600067135005155350000003 nex 9 17809 0 N'R 13FROOKE R RHODES 623 d I_LTOP DR N,' 1A, CUMBERLAND PA 17070-1721 W U N I T E D Mileage Plus- I,,,Ili,lr,l„1,1,11 Ilr,rl,1,,,,11,1,1,,,11„1,1,,,11„Il,rl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON D? 19886-5153 1:5000 X60281: 2366020r.2':,.gG ill, N U N I T E D Mileage Plus- Minimum Payment Due for Credit Access Line Payment Due for Balance Over Credit Access Line Past Due Am wnt Total Mimmu n Payment Due Statement Date. 05128/09 - 06/27/0S; Minimum Payment: $671.35 Payment Due Date: 07122109 $8ti)00 $159.35 $430.00 $671.35 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4388 5760 2062 4196 Previous Bal. ?ce $5.155.35 Credit Access Line $5,000 New Balancc $5.155.35 Available Credit $0 Cash Access Line $1,000 Available for Cash $0 Manage your account online: www. chase. com/united Additional contact information conveniently ncated on reverse side It's not too lot: to esolve the outstanding balance on your credit card account. We have a variety of payment options that may be right f•)r you. Ja: 1-888-792-7547 (collect 1-302-594-8200) today. MILEAGE PLUS MILES EARNED Miles earned :his statement from purchases 0 Thank you for choosing the United Mileage Plus Total miles tr.msferred to United 0 Visa! P19e6e visit www. united.com/chase to Year to date nibs earned an credit card 93 see all of your redemption options! 1-800-4274655 (Mileage P'us) 1-800-241-6522 (Reservations) Your United ''iieage Plus Visa allows you to earn unlimited miles for y,,.. _ :c. yc: y spend! You earn 1 mile for every $1 you spend on purchase,- Add authorized users. and sign up to have your monthly bills charged L? your card- why not get miles for all those purchases to. FINANCE CHARGES 11 Finance Charge Transaction ,1nnthly Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases 0.00% 0.00% $5,155.35 $0.00 $0.00 $0.00 $0-00 Cash idvanc;s 0.00% 0.00% $0.00 $0.00 $11.00 $1100 $0.00 Tota finance herges $0-00 Effective Annual Percentage Rate (APR): 0.00% Please see Ir for-nation About Your Account section for balance. computation method. grace period, and other important information The Correspcndlng APR is the rate of interest you pay when yeu carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash -.,:]Vance and balance transfer fees - expressed as a percentage. (:00011 FIS ?? I I 2 010 Y 9 27 09/08/27 Page i M 1 05058 MAMA 103,1? 17/1000DO200C1033701 X 01119 Adores Change Request Please provide information below only if the address informah-.ion front is incorrect. Street add-ess. -_-_--------.----- City . ------------------ State -- Zip ----- ---- Home Phoie. -- ---- S'vork dhcre --- --- ---- E-mar =uoress -----------------------'-- L To contact us regarding your account: By Telephone: U 5 1-800-537-7783 ? Es;paiiol 1-888-446-3308 TDD 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website: Pay by phone 1-800-436-7958 10 . 115298 P O. Box 15153 www. chase. co. niumted Outside US . call collect Wilmington, DE 19850-5 298 Wilmington, DE 1988135153 1-847-B88-6600 Information About Your Account Crediting of Payments: For payments by regular U.S mail. send at least you -ninimum payment due to our Payments address shown or this laIrment. Your payments by mail must comply with the i istructL s on this statement. and must be made by check or money order. q[s,atle in L.S Dollars and drawn on or payable through a L.S lira r of institution or the U.S_ branch of a foreign financial i-istrtuhor Do not send cash. Write your account number on your aleck of moley order- Payments must be accompanied by the payment coupon in the envelope provided with our address risible P",cuglt :re -svelope window. the envelope cannot contain morn, than , e payee" cr coupon: and there can be no staples, paper clips, tape r corres,rmrdence included with your payment. If your payment is it lccorc we with our payment instructions and is made available t; us cl a.ny day except December 25 by 1:00 p m. local time st our Payment:. address on this statement. we will credit the payment to ,our acc?orn as of that day If your payment is in accordance vv,* ci,r Dayn pmt i istruclmos. but is made available to us after 1 HOC p.m. I,cal till, at oar Payments address on this statement. we will credit it tic your azocnt as of the next day. If you do not `allow our payment i-istructu r o- if your payment is not sent by regular U S. nail to r.ur Pay° ells address, crediting of your payment may be delayed for up to 5 ny', Payments made electronically through our automated 1,Jephon, se.iico, Customer Service advisors, or our web site will be s hour tr any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may reporl iafd'mahm about your account to credit bureaus. Late payments_ I ,ssed p y rents or other defaults on your account they be reflected in v,,ur cre, I report dvou think we have reported inaccurate Information h a credi bureau. you may write to is atthe Inquiries address shown rr I'rs S131ement Notice About (Electronic Check Conversion: When you pay by check. cou authmze us either to use information from your check to make z one-tin e electronic fund transfer Item your account or to prates p-e pavnenr as a check transaction. When we use information Pori yon ;; trick to make an electronic fund transfer, funds may be (hash, `rrn your account as soon as the same day we receive your p;_ymem a i, J /ou will not receive your check back from your financial I"sbtuliw Call the Customer Service number on this statement if you have blue dons about electronic check collection or do not warn your payments collected electronically. Conditional Payments: Any payment check or other form of payment teat you ? end is for less than the full balance due that is marked "paid r, tali of -onlains a similar natation, or that you otherwise tender in Lill salisf fiction of a disputed amount, must be sent to Card Services, P 0 Box 1:099. Wilmington DE 19850-5049. We reserve a I our this retarding these payments (e.g., if it is determined there is no ,L,id disc ..re or f any such check is received at any other address, we ?tey accent he check and you will still owe any remaining balance) We may if 'use to accept any such payment by returning it to yo I not :asrmg i, cr destrovmg it. All other payments that you make should be ;ant to tee egular Payments address shown on this statement. Annual Reneeral Notice: If your account has an annual fee. it will be led can yea' or in monthly installments. whether or not yoi! usi: your account. ins yrou agree to pay it when billed. The annual fee is non- =lund&- un:ess YOU notify us that you wish to close your ac?eunt r: shin 30 days of the date we mail your statement on which the annual -:e is cra: sec and at the same time. You pay your outstanding balance u t I: v,i r payment or the archer fee does not affect our rights to xe yet 1 ?ount and to limit your right to make transactions on u aom( li n. If your account ,s closed by you or us, WE will continue charge r. re annual fee until you pay your Outstanding balance n full -Ind term nabs your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, rnng the anpli-able periodic rates shown on this statement. separately acv tealp e (e.g..balance transfer/convenience checks and cash ..cants :pecks ('check transaction'), purchases, balance transfers. -.ir advrcces. promotional balances or overdraft advances)- hese ra ray combine different categories with the same daily )di. r it-, If there is a' V' next to a periodic rate on this state vent, rat rate I i, Mary and the index and margin used to determinil that a an., I! :; ),responding APR are described in your Cardmember _. as amended- There Is a minimum finance charge i 1 any r which you ovre any periodic finance charges. and a finance charge for each balance transfer, cash advance. oneun b,iisachcn, in the amounts stated in your Cardmember u;nserner'. rs amended. To get the daily balance for each day of the current billing cycle. we ta¢e :he 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. Transaction are added as of tie transaction date, the begnm ng of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees cue added either on the dwI of a related transaction, the date they are pasted to vour account, or the last day of the billing cycle. Ths gives daily balaIII . A credit balance is treated as a balance of zero If a daily periodic applies to any feature. we multiply the daily balance h?, the peis rate to get your periodic finance charges for thar day. i then periodic tinaace 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 forthe average dairy balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day. To get your total period e 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 av-rage daily balance. We add your daily balances and divide by the number of the days in the applicable billing cycle(s). It you muriply the overaga 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 togi;l the total will also equal the periodic finance charges for the )riling cycle. except for minor variations due to rounding To get your total periodic finance charge fs, a billing cycle when a monthly oerioduc raters) applies multiply the average dally balance for each future by the applicable monthly periodic rate and add the results togrther The total ,rap equal the periodic finance charges for the billing -vcle except for minor variations due to roundu?pp Grace Period (at least 20 days): We accrue oenomc finance charges on a transaction. fee, ordinance charge from the date If is added to your dally balance until payment in full is received on your account. However, we do not charge periodic finance charges on ne, ou chases billed during a billing cycle if we receive boll payment of your New Balance on your current statement by the bate and time your payment is due and also payment of your New Balance on your previous statement by the date aril time yo:u payment was due. Theres no grace period for balance transfers. cash advances. check transactions or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or emotions About Your Bill: If you think your hil, is wrong, or if you need more information indent a t-ansaction of your bill. write Customer Service on a separate sheet at P.D sex 15299 Wilmington, DE 19850-5 99 as soon as poss?blle We must hear from you no later than 60 days after we sent you file first bill on Which the error o' problem appeared. You ran telephone us, but doing so will not preserve your rights. In your letter, give us tho follovnng information. vow name and account number • The roll, amount of the suspected error ..te error anc,explaln, if VOL ran, 'Illy you believe there is an error. If you need more information, describe the Item you are unsure o '' You do not have to pay any amour' in ,uesami while we are investigating- bed yo ua still obligated to pay the parts of your bill that are not m questi?. While we investigate your question, we cannot report you as of nquent or take richer to collect the amount you question. If you have authorized us to pay your credit card bill automatically from yoursavings or cneckmg a;count, you can stop the payment on any amount ?° u think is wrong- to stop the payment, your otter o, call rising the Inquiries address or Customt r Service telephone numbe,shown onthis stfttament)Must trash usat1 ast three business days before the automatic payment is scheduled to ,cccr. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit care (excluding purchases made with a check). and you have tried n goad faith to correct the problem with the mercheirt. you may not have to pay the remaini ng amour( due on the goods a services. You have this protection only when the purchase price was more than 550 aid the purchase teas made in your he ne state or hi 1 100 miles of your mar ing address-'hese limitations do not arrlq i` ore oven Or operate the merchant, or it we ritaded you t'^.e aaverisemem to, the property or services. nAtlltoe Payment Due Dale New Balance Past Due Amount Minimum Payment 08121109 $5,283.94 $516.00 ;e8J.9w Account numbe r: 4388 5760 2062 4196 Y Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back 438857602062419600098094005283940000008 0 :hc4 BEX 9 20809 C MR BfROOKE R RHODES 623 H'. LLTOP DR NEVICUMBERLAND PA 17070-1721 1: 5000 160 2a1: 2366020E,24 196 LII' W U N-1 T E D Mileage Plus- Minimum Pat inert Due for Credit Access Line Payment Due for Salance Over Credit Access Line Past Due Am iunt Tota Mmimu n F'eyment Due /'UNITED Mileage Plus- Irrrlllrirrlrrirlr.1011 rrlrlrrrrllrl,irrrllarlrl..r llrrllrrl Statement Date: 06/28/09 - 07/27/09 Minimum Payment: $980.94 Payment Due Dale: 08/21/09 $181,,00 $283.94 $516.00 $980.94 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4388 5760 2062 4196 Previous Bal..nce $5,155.35 Credit Access Line $5,000 Finance Cha•. ges +$128.59 Available Credit $0 New Balance $5,283.94 Cash Access Line $1,000 Available for Cash $0 ( Manage your account online: wuww. chase com!united Additional contact information co nveni.ently located on reverse side You haven't made the required payments and your credit card account is 150 days past due. You can still turn things around. Call Lis today at 1 883792-7547 (collect 1-302-594-8200) so that we can find a solution for your situation. MILEAGE PLUS MILES EARNED Mlles earned thi., statement from purchases 0 Thank you for choosing the United Mileage Plus Total miles to lnsferred to United 0 Visa! Please visit www.united.com/chase to Yea1 to date inks earned on credit card 93 see all of your redemption options! 1-800-421 A655 (Mileage Plus) 1-800-241 6522 (Reservations) Your United P.lileage Plus Visa allows you to earn unlimited miles for your everyday spend! You earn 1 mile for every $1 you spend on pp.trchases Add authorized users, and sign up to have your monthly bills charged to your card- why not get roles for all those purchases to. ; FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V 08216% 29.99% $5,21724 $128.59 $0.00 $0.00 $128.59 Cash Avanc-s V .08216% 29,99% $0.00 $0-00 $0.00 $0.00 $0.00 Tota finance harges $128.59 Effective Annual Percentage Rate (APR): 29.99% Plea.,(. see trier nation About Your Account section for balance computation method, grace 1leriod, and other important information The Oorrespond:ng APR is the rate of interest you pay when you carry a balance: u.. a,.y 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 -? New site for exclusive cardmember offers See the latest bonus mile offers, redemption options, discounts, and special event invitations reserved just for Mileage Plus(R) Visa(R) cardmembers. Log in today at united. com/mpvonly and check back often for updates! Earn 1,000 bonus miles with Mileage Plus Dining! As a Mileage Plus Visa cardmember, you are enrolled In Mileage Plus Dining. Create an online profile today and dine one time for 1,000 bonus miles plus more! Visit www.urited.com/dining/july CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 '1;11 0 Fi S',? 000 Y 9 27 C9107127 Page 1 of 1 (15058 MA MA M5fi4 2OWNI00020000056401 X t!1r:9 Address Change Request Pleases provide information below only if the address information on front is incorrect. Street ;:. 7d ess - - - - - - - - - - - --- - - - - - - - - - -- - - - C try ------------------- State -- Zip ---- Home Phoie --- '1,ork 'bore. --- a E-ma; z acress -_-- L To contact us regarding your account: -T y Telephone: i \ /? .? In U.S. 1-800-537-7783 / v EEeranof 1-888-446-3308 1-171) 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website: Pay by phone 1-800-436-7958 P.O. Box 15298 P.O. Box 15153 wow. chase can,'urut d Outside 1-1. S. call collect Wilmington., DE 19850-5 298 Wilmington, DE 19886 153 1-847-888-6600 Information Aiaouf Your Account Crediting at Payments: For payments by regular U.S. mail, send at East yet minimum payment due to our Payments address shown n this ..t Lrnent. Your payments by mail must comply with the i rtrucho-s on thi9 statement, and must be made by check or money rile;. pslable in U.S- Dollars and drawn on or payable through a C.S furs iciol nsbtuton or the U.S_ branch of a foreign firanaal i ;stituho Do riot send cash. Write your account number on your cne,k or moley order. Payments must be accompanied by the payment cot pre in the envelope provided with our address risible t°rough 'he ?a velope window. the envelope cannot contain more than ne pay're,w er coupon: and there can be no staples, paper clips, tape cr correscor hence included with your payment. If your payment is 1 i accorctn;ce with our payment instructions and is made available u; us on any day except December 25 by 100 p m. local time al our 'aymenP:. address on this statement eve will credit the payment to ,our acc un- as of that day. It your payment is in accordance. vl th c w payr rat I istruchons but is made available to us after 1:0C p.m I.,ecl him, at air Payments address on this statement. vie will credit it f your a_co,nt as of the next day. If you do not follow our payment nstnlctc is o- if your payment is not sent by regular U.S. Ir?ad to cur pay, ruts address, crediting of your payment may be delayed for up 'a 5 !ays_ Payments made electronically through our automated telepnon. service. Customer Service advisors, or our web site will be s,ibfect t. any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report I ito-mat in about your account to credit bureaus. Late payments. I= ssed th yments or other defaults on your account may be reflected in apu; ere( ;t report. If you think we have reported inaccurate information !c a credo' bureau, you may write to us at the Inquiries address shown ,- Inis sl)lament _ Notice About (Electronic Check Conversion: When you pay by check. you au d rze us either to use information from your check to make one-tine electronic fund transfer train your account or to process tic Pairaam as a check transaction. When vile use information !-om yor.' creek to make an electronic fund transfer, funds may be a1- I'dram, ',um your account as soon as the same day we receive your Frayiten, and /eu will not receive your check back from your financial I stihrttm call the Customer Service number on this statement if you nave que ,ions about electronic check collection or do not want your p, yir-enh cc Inched electronically. Conditional Payments: Any payment check or other form of payment t at you send is for less than the lull balance due that is marked 'paid u it ,ll' of co Hairs a similar notation, or that you otherwise tender in I:ill satisl.letter of a disputed amount, must be sent to Card Services, 0 Box 1`049 Wilmington DE 19850-5049 We reserve at our gets rev aiding these payments e.g.. If it is determined there is no ,,lid disc tie or if any such cheek is received at any other address, we r I av accr at :he check and you will still owe any remaining balance). Nle :nay efusu to accept any such payment by returning it to you. not -isning r or desirowng It All other payments that you make should be 'Pill to if,= regular Payments address shown on this statement. Annual Renewal Notice: It your account has an annual fee. it will be :: led eac^ year or in monthly installments. whether or not you use your account- anc you agree to pay it when billed. The annual fee is non- -,lundabls unless you nobly us that you wish to close your account in 3C nova of the date we mad your statement on which the annual =e is charged and at the same time, you pay your outstanding balance it fib Y:!,a payment of the annua fee does not affect our rights to :se yon r account and to limit your right to make transactions on ;sI, accuun- It your account is closed by you or us, we will continue charge the annual fee until you pay your outstanding balance ;n full and terinnate pour account relationship Explanation of Finance Charges: We calculate periodic finance charges. , ng the oapl:.cable periodic rates shown on this statement, separately 11 a„ b tealu e (eg..balance transfer/convenience checks and cash Iv nce h .ks (check transaction"), purchases, balance transfers. sl sdv: n,: promotional balances or overdraft advances)- These :lculatiprs ray combine different categories with the same daily parodic rues It there is a V' next to a periodic rate on this statement. i it rata nav nary, and the index and margin used to determine that ra,e and is r c,responding APR are described in your Cardmember agreemerr as amended. There s a minimum finance charge it any ii?g rv n Itch you owe any periodic finance charges ind a ;-+rsactic ante charge for each balance transfer, cash advance 11 deck t carbon. in the amounts stated in your Cardmember ;r;ree'ren: zs amended. To get the daily balance for each day of the torrent billing cycle, we take the beg;nn"' balance for each feature. add any new transactions or other dJiits (including tees, unpd'(1 finance charges and other charges). sub of any payment., or credits, and make other adjustments. Transactions are added as of tie transaction date, the beginn ng of the billing cycle in vvhich they are posted to your account. or a later date of our choice (except that ehec;r transactions are added as of the date deposited by the payee ora later date of our choice). Fees are added either on the dale of a related transaction, the date they are posted to your account, or the last day of the billing cycle- This gives us that day's dally balance. A credit balance r. 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 )eried;c finance charges for that day. We then add these periodic finarce 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 dally balance, vie will use the daily periodic rate that applies for hire average daily balance amount at the end of the billing cycle to cif'iulate the daily periodic finance charge each day.) To get your total periodic finance charge f0, a biding cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges tar all features. To determine an average dally balance. we add your daily balances and divide by the camber of the days in the applicable billing cycles If you multiply the average daily balance for each feature by the ap3cable dally 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 wil: also equal the periodic finance charges for the tilling cycle. except for minor variations due to rounding To get yo it total periodic finance merge for a billing cycle when a montnly periodic rate(s) applies mnliw:e ?i., average daily balance for each leature by the applicable monthly periodic rate and add the results together The total will equal the periodic fir-ce chagges for the bPiing -ycle. except for mmar variations due to roundingp Grace Period (at least 21 days): We accrue ,leriodic finance charges on a transaction. fee, or finance charge frmn the date it is added to your daily balance until payment in full is received on your account. However, rve do not charge periodic finance charges on new purchases billed during a billing cycle if we receive butt payment of your New Balance on your current Statement by :The date and tune your payment is due and also payment of your Neva Balance on your previous statement by the date and time your payment wa due- There is no grace period for balance transfers. each advarces ; lack transactions or overdraft advances. BILLING RIGHTS SUMMIARY In Case of Errors or Quirtions About Your Bill: If you think your bill is wrong, or if you need Onore information about a transaction in your bill. write Customer Semite Una separate s'teet at P 0- Box 15299 Wilmington, DE 1)850e 99 as soon as pass told We must hear from you no later than 60 da after we sent you Pte 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 yes tf,.e followine inforniation- • Your name and account number • The dollar amount of the suspected err,; • Describe the error and explain, if you can, why you believe there is an error '.f you need more information. describe the train you are unsure ahcut. You do not have to pay any amount in question while we are investigating. but you am still obligated to may the parts of your bill that are riot in question. While we ?nveshgate your question, vac cannot report you as delinquent or take acton to collect the amount you question. If you have authorized us to pay your credit card bill automatically front yourgav;ngs or ckecxmg a-count, you can stop the payment on any amount u think is wrong. o stop the payment. your otter a, call (using the In ivies address or Customer Service telephone mote, shown on this st emend) must reach usat least three husness days before the automat payment is scheduled to occur. Special Rule for Credit and Purchases: If you have a problem with the quality of goods or rvices that you purchased nvlth a credit card (excluding purchases ;TMde with a cheek). and you have tried n good faith to correct [he pro*rn with the merchant. you may not have to pay the remaining amoudl due on the goods a services. You have this crotection only when thi purchase once ire more than S50 and the ail octal e vas made in u1- hone State or , thin 100 miles of your as s- -hose nations co tat apf ly if 'ie own or operate the merchant, or it we ded you Ina adver f men! for the property or servicp? M1111109 Payment Due Date New Balance Past Due Amount Minimum Payment 09!21109 $5.420 19 $697 00 $1,307.19 i UNITE D -- - --- - -- --- --- Account numbe r: 4388 5760 2062 4196 Mileage Plus• Make your check payable to: Chase Card Services. . Please write amount enclosed New address or „-mail' Pint on back. 438857602062419600130719005420190000nnn-1110[)0007 1) '1( E EE X 9 23909 C MR BROOKE R RHODES 623 HILLTOP DR Nf-t.1' CUMBERLAND PA 17070-1721 Irrrlll11r11rrlrlrrl,.Ilrrrlllrrrrll11111,rllrrl,lrrrll„Ilrrl CARDMEMBER SERVICE PO BOX 1.5153 WILMINGTON DE 19886-5153 4 I: 5000 160 281: 2 3660 206 24 196 If,, Statement Date: A/ U N 1 TED 07!28!09 - 08!27!09 Mileage Plus- Minimum Payment: $1,307.19 Payment Due Date: 09121/09 Minimum Pacrnent Due for Credit Access Line $190.00 Payment Due to., Balance Over Credit Access Line $42019 Past Due Amours $697.00 Tota Minimwn Payment Due $1,307.19 [ACCOUNT SUMMARY Account Number: 438885:760 2062 4196 Previous Balz,nce $5,283.94 Credit Access Line $5,000 Finance Charles. +$136.25 Available Credit $0 New Balance $5,420.19 Cash Access Lin,- $1,000 Available for Cash $0 Manage your account online: www. chase. com!uniled Additional contact information conveniently located on reverse side The :wtstand=lg balance on your credit card account is schedu ed to be written off as a bad debt shortly. As a insult, 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 1-889.792-7s'n (collect 1-302-594-8200 ). MILEAGE PLUS MILES EARNED Miles earned this statement from purchases 0 Thank you for choosing the United Mileage Plus Total miles hm-isferred to United 0 Visa! Please visit www.united.cc nlchase to Year to date miles earned on credit card 93 see all of your redemption opbon-1 1-800-421,4655 (Mileage Plus) 1-800-241-6522 (Reservaticns) Your United Plileage Plus Visa allows you to earn unlimited miles for your everyday spend! You earn 1 mile for livery $1 you spend on purchases Add authorized users, and sign up to have your monthly bills charged to your card- why not get miles for all those purchases toy , , FINANCE-CH'IARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee ! Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .08216°/ 29.99% $5,349.58 $136.25 $0.00 50.00 $136.25 Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0-00 $0.00 Total finance hal $13625 Effective Annual Percentage Rate (APR): 29.99% Please see Inormation About Your Account section for balance computation method, grace period, and other important information. The Gorrespcnding APR 1s the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including t-nsactror fees such as cash Advance and balance transfer fees - expressed as a peicentaoe- IMPORTANT NEWS 1,000 miles and more with Mileage Plus DiningSM Earn 1,000 miles for every $100 you spend dining with The Sky's The Limit bonus. You can earn it over and over again with no limit! Start today. www. united, com/dini ng/aug n000! FIS.11 ;-I '.:2 000 V 9 27 09,08,27 Page.1 of 1 05058 MAMA ?;390n X7601 X ol'i:: F Peeress i-hange Request Please provide information below only if the address information on front is incorrect. Street ,:od-ess _----___ City ------------------- State -- 7_ip ----- ---- Home Phone. --- --- ---- Work -hare _-- E-mat Aacress --------- --.- -1 To contact us regarding your account: I, By Telephone: ' 7 n U S 1-800-537-7783 Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TDD 1-800-955-8060 Pap by phone 1-800-436-7958 P.O. Box 15298 P.O. Bo -. ? - wwrepf- co Nunned Outside U.S. call collect Wilmington. DE 19E50-5298 Wlirriington. DE 19881 1-847-888-6600 Information About Your Account Crediting of Payments: For payments by regular U.S. mail, send at least yot I nimum payment due to our Payments address shown ... this tatemeni. Your payments by mail must comply with the i struch[ rs an this statement. and must be made by cheek or rloney r.-ddr. PI :rble in L.S- Dollars and drawn on or payable throrgh a _.S it oancel institution or the U.S. branch of a foreign financial I°shtuhc De not send cash Write your account number on ycTir cheek or it arey older Payments must be accompanied by the paymeir %orpar in the envelope provided with our address visible =mng'r :l LL rn velope window. the envelope cannot contain more than 'r. par,, , " or coupon; and there can be no staples, paper clips, tape eorrcEput earl included with your payment. If your payment is i accorc.Im e with our payment instructions and is made available -.. us On r.ny day except December 25 by 100 p m. local time A our "eymentaddress on this statement we will credit the payment to ;our acc un- as of that day V your payment is in accordance. with - in payr ant nstructions. but 1s made available to us after 1:DC por I,c2? run it oar Payments address on this statement, we will credit it our u_ pLot as of the next day If you do not follow our payment I .rucnr ?: o it your payment is not sent by regular U.S. Bail to a Pay- cots address. crediting of your payment may be delay:d lot to 5 lav<,- Pavments made electronically through our automated :phon: ser ace- Customer Service advisors, or our web site will be blect tr. ary processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may adult i fornat ;n about your account to credit bureaus. Late payments. r-issed p ryinents prattler defaults on your account may be reflected in Uhl cref I report. If you think we have reported inaccurate information 1.-. a cred , bureau, you may write to us at the Inquiries address Shown IT this 5 Cement. Notice About (Electronic Check Conversion: When you pay by check. ,ru auth rze us either to use information from your check to make one-fin electronic fund transfer treat your account or to process Ce payman'. as a check transaction. When we use information burr you c rack to make an electronic fund transfer, funds may be i, rl,dmv; Trrn Your account as soon as the same day eve reactive, your payment- and /DU will not receive your check back from your financial i stnubol: all the Customer Service number on this statement if you lave gqeal on5 about electronic check collection or do got vian: your i ipnent_ cc looted electronically. Conditional Payments: Any payment check or other form of payment 1°at you and is for less than the full balance due that is marked "paid r: full- 01 contains a similar notation, or that you Otherwise tenser in atist xron of a disputed amount, must be sent to Card Services, n Box IS049 Wilmington DE 19850-5049 We reserve al our rats ie,aiding these payments le.g.. If it is determined there is no dirt cost. file or if any such check is received at any other addre s. t=ae ay accrpt the check and you will still owe any remaining balancel We ni ,/ etuse to accept any such payment by returning it to yo I not :::is Lino n or destroying it All other payments that you make should be S=ilt in tar rgular Pavments address shown on this statement Annual ReneNral Notice: it your account has an annual fee. it will he c led ea, vea, or in monthly installments, whether or not you use your :,,count. nnc you agree to pay it when billed. The annual fee is non- .. luddably unless you notify us that you wish to close your account an IT 30 I vs of the date we marl your statement on which the annual e is charged and at the same time, you pay your outstanding I lance r fall Your payment of the annual tee does not affect our rights to - se yo, account and to limo your right to make transactions on u, acc( um If your account is closed by you or us, we will continue ., charge roe annual fee until you pay your outstanding balance in full I I terns- nate pour account relationship. Explanation of Finance Charges: We calculate periodic finance charges. r u c -e apIchcabi.e periodic rates shown on this statement, separately r°'u e ;e.q balance transfer/convenience checks and cash - ks (`check transaction')- purchases, balance transfers. r promotional balances or overdraft advances). 'hose r at.,; ay combine different categories with the same daily r, r c h(, c: t If there is a V° next to a periodic rate on this statement. it n Mary, and the index and margin used to c itermimt that e ,urrespondmg APR are described in your Cammrmber a]= -ne amendec. There is a minimum finance charge 11 any in which you owe any periodic finance charges. and a finance charge for each balance transfer. cash advance. iachan. in the amounts stated in your Cardmembei :1r?emelh r,s amended To get the daily balance for eac,, day of she current billing cycle, we take the beginning balance far each feature. add any pew transactions or other debits (including fees, unpad finance charges and other charges). subtract any payments or cred Is. and make other adlushnents. Transactions are added as of the !r, nsaction date, the beginring of the billing cycle in .0 ch they are posts t to your account. or a later date of our choice (except that chic transactions are added as of the cote deposited by the payee or a later date of our choice). tees are added either on the date of a related transaction. the date they are posted to your account, or the last day of the billing cycle. This gives is that days dally balance. A credit balance in treated as a balance of zero if a daily periodic rate applies to any feature, we multiply the dally balance by the daily periodic rate to get your cenosic finance charges 'or tha' day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day tit more than one daily periodic rate could apply based on the average daily balance. vac will use the daily periodic rate that applies for the average daily balance amount of the end of the billing cycle to cal:nlate the daily periodic finance charge each day. To get your total periodic finance charge for a billing cycle when a dally periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average only 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 mui0ply each of these results by the romper of days in the applicable billing cycle(s), and then add all of the results *-ograher. the total will also equal the periodic finance charges for the cflling cycle. except for minor variations due to rounding To get yo it total periodic finance charge for a hill rig cy when a monthly ne,rodic rate(s) apples. multiply the average dal balance for aach feature by the applicable monthly periodic rate an add the results togOner- The Total will equal the periodic finance chilinges for the b111ing wale except for minor vanatons due to 'arm IfIr??yy. Grace Period (at least 2q days): We accrue palladia finance charges ;r a transaction. fee, or finance charge from the date it is added to yocr a,,, balance until payment in full is received on your account. ,e do not charge periodic finance charges on new purchases billed during a tilting cycle if we receive both payment of your Nev., Balance m, ,, i ,,,,(rent state men! by the date and time your payment is due and also payment of your New Balance on your previous stater-I by the date and time your payment was due. There is no grace period for balance transfers cash advances- check transactions. or overdraft advances. BILLING RIGHTS SUMIl In Case of Errors or Uu [ions About Your Bill: If you think your bill 1s wrong, or if you need ore information about a transaction on your bill. write Customer Se ice on a separate sheet it P.O. Box 15299 Wilmington, DE 19850-5299 as soon as poss ble l ie must hear from you nc later than 50 days after vae sent ,,on thr: firs bill on which the error or problem appeared. You can telephone us. but doing so will not preserve your rights. In your letter, give its Ira to eviing rn!crmatinn. • Your name and accou number • The dollar amount of ll suspected e-ror Describe the error and4explaln, if you can, cdhy you believe there is an error a you need hone r.irformation. describe the ream you are unsure about. You do riot have to pay any amount it question while vie are investigating. but you all still obligated to pay fire parts of your bill that are not in questi While we nvesGgae your ejection, we cannot report you as d nquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your wings or checking a;ctl you can stop the payment on any amount a think is wrong To stop the payment. your letter a' call (using the Injuiries address or Customer Service telephone number shovdn an this statement) Trost reach its at least 11, -ee business days before the automat' payment is So reduliLd to occur Special Rule for Credit arI Purchases: you have a problem with the quality of goads or rvices that you purchased erifh a c,edit card (exclusion purchases m e with a ::hecx). and you have tried in good faith to correct the problem wfli the merchant, you may not have to pay the renaming amount due on the goods o services- You have tins protection only wren the purchase price was more than S50 and one purchase was made in ur home state n un n 100 mile c' your return shares, Tbase (nations do cot apt I, ' vve d do or operate the merchant. or `we tied you the adv r ,silent for the property or services. ,Mr 11 108 Exhibit It yy i it 0 HAS BILL OF SALE Cha-c Banl USA, N.A. ("Seller"), for value r: ceived and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated December 22, 2010 bettiveen Seller and Gk,' al Acceptance Credit Compam.v, LP ("Purchaser'), its successors and assigns ("Credit Card :Acc ?t.rnt Purchase Agreement"), hereby assigns effective as of the File Creation Date of April 13, :'O1 1 all rights, title and interest of Seller in and to those certain receivables, judgments or ecid2r,ces of debt described in Exhibit 1 attached hereto and made part hereof for all puroses. Amcunts 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 IS, 2011 (the "Closing Date") by 2:00 p.m. Seller's tine, as follows: Chase Bank USA, N.A. ABA #021000021 Beneficiary Name: Chase Bank USA, N.A. Beneficiary Account: #304-256420 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. Chase Bank USA, N.A. Global Acceptance Cre Company, LP B 13y: -_?? ----_-.._ Jeffrey JA d D,tc: April 13 2 011 Dates Lb\t Ti:],,, Team Leader Title ??{??c' eiv Fxcerpt from E?t:?ibit 1 CoBrand: CHASE BANK USA, N.A. Account Nos: 4388576020624196 Service Date: 7/28/06 Charge Off Date: 8/31/09 Date of Last Payment: 3/31/09 Debtor Last Name: RHODES Debtor First Name: BROOKE Debtor Address: 623 HILLTOP DRIVE Debtor City: NEW CUMBERLAND Debtor State: PA Debtor .Zip: 17070 Debtor SS#: none Debtor Home Phone: 717-232-0212 Debtor Bus Phone: Balance: $8,222.80 GLOB_tiL ACCEPTANCE CREDIT COMPANY. LP 5850 SUITE 100 ARLINGTON, TEXAS 76017 ASSIGNMENT AND BILL OF SALL Global -lcceptance Credit Company. LP ('Seller") has entered into a Loan Sale g: iv-mt. dated April 21, 2011 ("Agreement") for the sale of Accounts described in Scl,euu!-- A thereof to American Credit Collections, LLC -Buyer-)- upon the terms and co-riditions set forth in that aueement.. "'C?-' --1-IEREFORE, for good and valuable consideration; Seller hereby sells, assigns and transfers to Buyer all of Seller's rights, title and interest in each and every one of the Account-described in the Agreement, provided however such transfer is made y ithout anN 12p-csentations, warranties or recourse, except as provided in the Agreement. BLIVer an:_l Seller agree that the Purchase Price shall be stated in Schedule A. LtUL"Ched to the Air°ement. IN WITNE-SS WHEREOF, Seller has sinned and delivered tl-iis instrument on the 21st Dale nE April, 2011. Global Acceptance Credit Company, LP Bv. l Mike l'arrichio President/CEO Global Acceptance Credit Company 5850 West Interstate 20, Suite 100 Arlington, Texas 76017 Agreement: 4/2612011 Original Creditor: Chase Bank USA Number of Accounts: 310 Outstanding Balance: Chase Bank USA 4388576020624196 Visa (717) 443-4500 (717) 774-5230 VERIFICATION Tl-ic undersigned does hereby verify subject to the penalties of 18 PA. C.S. Section 4904 relating to Unsworn falsification to authorities, that he is CHRISTOPHER MUNLEY, VICE PRESIDE\T, authorized agent of A13ILITY RECOVERY SERVICES, LLC, Plaintiff herein that he is dully authorized to make this verification, and that the facts set forth in the foregoing Complaint. are true and correct to the best of his knowledge, information and belief. Date: i' -+': -!Y Christopher Nfunley Vice President BROOXF Rx?D? PRO SE F H PRO1110?4CTwa 623 LLT', P DRIVE r? ?1 t- ?r? zI',rLAIdD, PA 170-0 1011 FEB 14 PM I: 09 _ - 4 ? --; oCUMBERLAND CCUNTV PENNSYLVANIA ABILITY RECOVERY SERVICES, LLC, IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 12-67-CV BROOKE RHODES, CIVIL ACTION LAW Defendant DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT AND NOW comes t-he Defendants, Brookes Rhodes, and hereby answers Plaintiff's Complaint as follows: AdTittcd. 2. AdnLiti_ed. 3. Denied. Defendant does not have information tc admit or deny the alie-xati.on of paragraph 3 and proof thereof is remanded at trial. 4. Admitted and Denied. It is admitted that Defendant made use of tr.e credit card. It is denied that th,? outstanding balance is $8,22'.. ,. }?drr,itted and Denied. It is admi_tteJ that thc:_ _s a balance E t. _ z >d card b + _ . It is den ed ti.at the en --ire )alarice is rn. a c _ . :er. _eCl. Gefencza_r' -es no-_ « J t i f c.r,m f ._ Jn ,z lrr: _ er den," 1, 3_y _V iS of paragraphi 6 and L`rocf tereof _S dem.tr.-_'-` if- Lr?al. 'cr'e:_. L 1S a e n I e a i_tia _a s en _n'f- erest 15`Llrtt'.F_'1" d_t-._`<?? C'. C3r7Se'_:'`?r _`iE; _'ate. Deemed. It is denied that k La n+-- it L has repeat(.-- y requested t e ?f dant pay she :valance. WHEREFORE, Defendant uemands , udgmer. a jai nst COUNT II - ACCOUNT STATED ?. Answers -lo paragraph 1-8 are incorporated herein. Admitted and Denied. I` s armi.tt.?d that Defen-J anr_ received ',is P onth _y statements. it 1s den--ed that Defendant :tacl , ny duty to - ispt:re .he charges. t . Admit?-ed. 2. Denied. I: -s denied that the acct>unt stated was "mpliedly accepted by Defendant. WHEREFORE, Defendant demands -judgment aoainst Plaintiff. 13. Answers to paracraph 1-12 are incorporated by reference. 14. Denied. It is denied that any monetary benefits have been conferred on Plaintiff. 1 Derled. It is denied that Defendant. appreciated any benefit. It is den ed that th- % tiue of any 0 :e is is ?8 4- 8?:. / u WHEREFORE, Defendant demands -,udgment. aqa-nst Plain--," f. Rospr'^` -ull.•y' U,'J 1' tt2d, 3POOL'P RHODE, YY a n ? V E R I F I C A T I O N uk::,QKF". RHODES states that he is tie Defen6ant named in the forego- ina ....._ . _.mer. and that he is acauainted with the facts set forth in the ire . nq Qm rument; ::hat the same are true and correci to the best of his no dge, information and belie_`; and that phis stahempn- _s made subj ect no the penalties of 18 Pa. C.S.A. §4904 relating to unsworn fal s :. ?- cat ion to authoriti es. Date: / !Z. B OOKE RHMS IN THE C T OF COMM PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA Plaintiff NO. CIVIL TERM VS C � Z Defendant © o 0 RULE 1312-1 The Petition for Appointment of Arbitrators sliall be substantially ie, cs--n following form: ; THE PETITION FOR APPOINTMENT OF ARBITRATORS < TO THE HONORABLE, THE JUDGES OF SAID COURT: 11, counsel for the plaintiffldefendmit in the above ac 'on(or actions),respectfully relAsents that: 1. The above-captioned action(or actions)is(are) at.L ae. 2. The claim of plaintiff in the action The counterclaim of the defendant in the action is The following attorneys are interested in the case(s)as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE.your petitioner prays your Honorable Court to appoint three(3)arbitrators to tivhom the case shal l be submitted. Res ectf�illy submitted, X a yM ORDER OF COURT AND NOW, 201 in consideration of the foregoing petition, Esq., and_ Esq.,and _Esq- are appointed arbitrators in the above captioned action(or actions)as prayed for. By the Court, KEVIN A.HESS,P.T. So l IN THE C T OF COMM PLEAS OF CUXIBERLAND COUNTY,PENNSYLVANIA Plaintiff NO, lo?`eo 7— CIVIL TERM 4..: VS 4ce-d-& el"o 4-4.) Pfw ge- rnco c ror Defendant ,gyp C c RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially i� follodving form: =C y f = THE PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: LL,) 741ALblL q,(n4, counsel for the plaintiffldefendant in the above ac Von(or actions),respectfully repAsents that: .1. The above-captioned action(or actions)is(are) au.►mss re. 2. The claim of plaintiff in the action is$ R aad., 8-D The counterclaim oar the defendant in the action is The following, attorneys are interested in the case(s) as counsel or are other-vise disqualified to sit ac arbitrators: WHEREFORE.your petitioner prays your Honorable Court to appoint three(3)arbitrators to whom the case shall be submitted. Res ectfully submitted, x 1 ORDER OF COURT AND NOW � ��, 20/3 . in coonsideration of the foregoing petition, � Esq.,and_s&tt� Esq., and __Esq..are appointed arbitrat "s in the above V captioned action(or actions)as prayed for. cr r-. ~ Ice> < By the Court, '44, `4 3 Q- r~ C 1 �Z>- KEN IN A,HES , J. CC cow tau+ � �� cam?�,� �•/p"� ABILITY RECOVERY : IN THE COURT OF COMMON PLEAS OF SERVICES, LLC : CUMBERLAND COUNTY, PENNSYLVANIA: Plaintiff vs. : CIVIL ACTION—LAW : NO. 12-0067 CIVIL • BROOKE R. THODES • Defendant ORDER AND NOW, this 14P day of October, 2013, the appointment of Scott Wyland, Esquire, as a member of the Board of Arbitrators in the above-captioned case is VACATED. Lee Stinnett, Esquire, is appointed in his place. BY THE COURT, 4A7 Kevin . Hess, P. J. Kathleen Shaulis, Esquire Chairman ee Stinnett, Esquire 105 N. Front Street, Suite 205 Harrisburg, PA 17101 Court Administrator , a Lbc i,p :rim 4 C3 (ID Coeirt eS in&tiscL, IO/�03 112 Ability Recovery Services, LLC In the Court of Common Pleas of Cumberland Plaintiff Brooke R. Rhodes County,Pennsylvania No. 12 -067 Defendant Civil Action-Law. Oath We do solemnly swear(or affirm)that we will support,obey and defend the Constitution of the United States and the Constitution of this Commonwealt and that we will discharge the duties of our office wio,,fid-lity. Sign tore Signature - Signature Kathleen K. Shaulis Ethan K. Stone Lee Stinnett Name(Chairman) Name Name Shaulis Law Office Law Office of Ethan K, Stone Salzmann Hughes Law Firm Law Firm Law Firm P. O. Box 1229 3400 Trindle Rd, 1st Floor Front 105 N. Front St„ Suite 205 Address Address Address Carlisle, PA 17013 Camp Hill,PA 17011 Harrisburg, PA 17101 City, Zip City, Zip City, Zip Award We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarde,c� they shall be separately stated.) t-,1 a 'h- p F, l's awo 0, oo . NO &vt uicts y1ann Loy aS k -1i- v-eAck_i-u3(AsIi i t a 1VO-1 00 6, Tt-c, OP" U\- sC:) P1 a 1'\ r - Ucks 5+ "n 4 vow, \(s .Arbitrator, dissents. (Insert name if applicable.) Date of Hearing: 11-8-13 -- ,r' I' , 211-"cd-1-1.-). Date of Award: 11-8-13 .� _ (Chairman) • Notice of Entry of Award Now,the OA day of Wevel,wl) � , 20 /3 , at l 3C , P .M.,the above award was entered upon the docket and notice thereof given by mail to the parties or their attorneys. Arbitrators' compensation , be paid upon appeal: $ / x_1/11 �i� By: Prothonotary Deputy r:11 7 r n 1 Trit PROTHONO TAP, 2013 NOV -6 Pti, 39 CUMBERLAND COUNTY PENNSYLVANIA 3-5fr1 t...s- 77 /114. 1 13 re,e Eheretefs• 1Dp;e s #444. "k/ 3