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HomeMy WebLinkAbout12-1929[`nUUONWEALTH OF PENNSYLVANIA ti-- COURT OF COMMON PLEAS JUDICIAL DISTRICT NOTICE OF APPEAL FROM DISTRICT JUSTICE JUDGMENT COMMON PLEAS No. a 1 l?R ! Lill, NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the District Justice on the date and in the case mentioned below. MAO. DIRT. NO. OR NANR OF D.J. MAIM OF A PLL ANT TT ZI? CODt tTAT t L/• 01 A [ LAMT / f? / / ) / /?/ /j / j or YD[w Ix w cw o!(PlalnNfl/ (Delendent) t Olt [IOM ATY [ O A?lt LLA T XI/ 1 7"" O[ AOtNT NO. CV 20 LT 20 - This block will be signed ONLY when this notation is required un er Pa. If appellant w s Claimant (see Pa. R. C. P.J. P. R.C. P.J.P. No. 10086. This Notice of Appeal, when received by the District Justice, will operate as No. 1001(6) in action before District Justice, he a SUPERSEDEAS to the judgment for possession in this case. MUST FILE A COMPLAINT within twenty (20) days after filing his NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R.C.P.J.P. No. 1001(7) in action before District Justice. IF NOT USED, detach from copy of notice of appeal to be served upon appellee). PRAECIPE: To Prothonotary Enter rule upon appellee(s), to file a complaint in this appeal Name of appellee(s) (Common Pleas No. ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. RULE: To Signature of appellant or his attorney or agent appellee(s) Name of appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OR NON PROS WILL BE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of mailing. Date: 20-. Signature of Prothonotary or Deputy AOPC 312-90 COURT FILE TO BE FILED WITH PROTHONOTARY JI_ fN PROTNONOTAkf 2012 MAR 26 PM 3.06 CUMBERLAND COUNT` PENNSYLVANIA aho & 16 S. so d 5V 30,07 PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing the notice of appeal. Check applicable boxes) COMMONWEALTH OF PENNSYLVANIA COUNTY OF AFFIDAVIT: I hereby swear or affirm that I served ss a copy of the Notice of Appeal, Common Pleas No. -_, upon the Dristrict Justice designated therein on (date of service) _, 20-__, ® by personal service by (certified) (registered) mail, sender's receipt attached hereto, and upon appellee, (name),____ -- ---- - ----------------- , 20 Q by personal service [j by (certified) (registered) mail, sender's receipt attached hereto. 171 and further that I served the Rule to File a Complaint accompanying the above Notice of Appeal upon the appeilee(s) to whom the Rule was addressed on by personal service E] by (certified) (registered) mail, sender's receipt attached hereto. SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS DAY OF , 20 Signature of affiant Signature of official before whom affidavit was made Title of official My commission expires on 20 ` COUAONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLA14b Notice of Judgment/Transcript Civil a Case Mag. Dist. No: MDJ-09-3-03 MDJ Name: Honorable Susan K. Day Address: 229 Mill Street P.O. Box 167 Mount Holly Springs, PA 17065 Telephone: 717-486-7672 Dennis J. Mark, Esq. P.O. Box 4031 Wyoming, PA 18644 Ability Recovery Services, LLC V. Po• 130y Y03I Elizabeth J. Griffi LONOMt ig, F41 323 V. Is-4 7 1 pt;yY T o jkA') / ^?O o? 5F r,.Al 3 PA Docket No: MJ-09303-CV-0000360-2011 Case Filed: 12/9/2011 2j 201 Disposition Summary Docket No Plaintiff Defendant Disposition F?g Disposition Date MJ-09303-CV-0000360-2011 Ability Recovery Services, LLC Elizabeth J. Griffin Dismissed Without Prejudice 02/16/2012 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Date Magisterial District Judge Susan K. Day certify that this is a true an correct copy o the record o the proceedings containing the judgment. Date Magisterial District Judge MDJS 315 Page 1 of 2 Printed: 02/16/2012 3:19:50PM - i k `I Iili il?')I R 1 . ! If IiN +ly „ i ?I fi:Y lhYllli 11 M qq R =tp? o+?4Ei1 ,'.I 1114 I f ?? 'I?? ` rl ?' q ' I ,.. l 11 i 1 I :... I(I Ln Lr) : i ° CE3 Ifl 4 `? . C m 0 k O O r3 t !o (- O r3 1 ' I cD 3 ?t•? L +.U?'.111y t i .. i1Y CO N Lj -) r %- ru O C3 y ?ZL ;Y pi tJ ?t I ?' Yfil ! +. F OF SERVICE OF NOTIC1,E OF APPEAL AND ICU Iki T''), FILL: ?CIf1?F"?I,.dl?lhd'N,m e. MU; TEEFILE7 V1fH( : TE ,' 1(10) DAYS AFT?R filinu th i I n "c or aril ear + a o a ?o. ?s,i COMN('ONWIE'., ?LTI (I q: III' i SVLVANIA COI IN'l° OF ss AFFIDAVIT: I here -,y s,vE; ar or affirm that I served .2 cl-L X1.3 cap. i e f,(f Appeal, Cornmcn Pleas No.019y upar the Dri:tricf Justice; designated therein -in ?° : date of I icE) '? r' _ _, 2f.! ? by personal service ' by (I ertif er.:a) (registered) mail, sender s .? ? recelp ulereto, and upon appellee, (name),__ ?L•?>?? ??IsQT J?' f ^ sn 20 b. ____ ? by persc ial service by (certified) (registered) rn II, sender's receipt attached heretr.. ? and furIner that I served the Rule to File a Complaint accompanying the above Notio:) of Appeal upon the appellee(s) to whom the Rule was addressed on 20 by personal service ? by (certified) (registered) mail, sender's receipt attached hereto. SWORN (AFFIRMED) AND W I SCRIBED BEFORE: ME THIS I' DAY OF-i ( .20 12. '(111A Aj- Signature o fficial before yyhorr; affidavit as made Title of official My commission expires on 20_1-S, COMMONWEALTH OF PENNSYtVMIIA Notarial Seal Laurie L. Kohut, Notary Public City of Scranton, Lackawanna County MY Cornmisslon Expires kn. 31, 2015 f nature of affiant G ' M rv cu ?.?{ -10 M --a r"rl S urS t C , --a is G --1 mu anon 06-UC OdOV TM OF pSWMYWANIA C Otl1 pf CllMMt3N P1.?A8 {„ M MICT NOTICE OF APPEAL FROM DISTRICT JU ?4E1JU "0"T - T 1 y COMMON PLEAS No, 1WTjCE OF APPEAL the District Justice ` in the above Court of Common pleas an appeal from the judgment rendered by ; Notice is given that the appsflt has filed on the date and in the Case rnioned below. NAa. our. No. on RAN[ of +"?' 1 yoll CV 20 - Ems----- LT 20 u,nw Pa. be•,. Sign®!? ONLY when this notation Is requirsa „wilt This block R.C.P.J.P. No. 10088. the District Justice, will operate as This Notice of Appeal, when received by a SUPERSEDEAS to the judgment for possession in this case. Sjgr,,ture of Prothonotary or V =,? COD[ 1 T R N !}?N 7' RN[T OR AO[NT, y; _ r ? f1 i. If appellant w s Claimant (see Pa. R. C. P.J. P. No. 1001(6) in action before District justice, he MUST FILE A COMPLAINT within. twenty (20) days afterfiNrlg`h4NOTICE of,APPEAL. ."TER # j1 LE COMPLAINT AND D R o E T? a oEbefore District Justice. , C1P ,T4 I~ Uwk _ t ti?8 ?ryyDANT (see PaC PRA This, section of form to be used ONw?+? !served upon aPPells f? t IF N& USED; detach from copy of noi? °?,, ;,t •ti ti, ; PRAJ C1IPE; - To Pto Y appellee(s), to file a complaint in this appeal Elftr ft" U On NOM of apPOW80) judgment of non pros. within twenty (20) days after service of rule or suffer entry of (Cornrnol? 'pleas too . t l? l x Si nature of`appellant or his attorney or agent appellee(s) RULE: To puitne aPpsNae(a) entered upon you to file a complaint in this appeal within twenty (20) days after the date of (t) You are notitl that a rule iserebysentee or o certified or registered mail. service of this rule pon you by personal do riot file *Vomilsint within this time, a JUDGMENT OR NON PROS WILL BE ENTERED AGAINST YOU. (2) If you date of , rule if service's by mail is the date of mailing. (3) The date Of s6rV1" Signature of Prothonotary or Deputy 20- Date: ,'. HBEKLAND COUNTY IN THE COURT OF COMMON PLEAS OF CUMBERLAWW' PENNSYLVANIA CIVIL DIVISION PLAINTIFF ABILITY RECOVERY SERVICES, LLC P.O. BOX 4031 WYOMING, PA 18644 vs. COMPLAINT IN CIVIL ACTION DOCKET NO.: 2012-01929 DEFENDANT ELIZABETH GRIFFIN 323 WEST I''r STREET BOILING SPRINGS, PA 17007 FILED ON BEHALF OF PLAINTIFF ATTORNEY OF RECORD OF THIS PARTY: James T. Mulligan, Jr., Esq. PA LD # 51794 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PLAINTIFF ABILITY RECOVERY SERVICES, LLC P.O. BOX 4031 WYOMING, PA 18644 NO.: 2012-01929 vs. DEFENDANT ELIZABETH GRIFFIN 323 WEST F STREET BOILING SPRINGS, PA 17007 COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorn -y 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. ELIZABETH GRIFFIN 323 WEST Isr STREET BOILING SPRINGS, PA 17007 DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL DIVISION DOCKET NO.: 2012-01929 COMPLAINT NOW COMES, the Plaintiff by and through its Attorney, James T. Mulligan, Jr., Esquire and hereby complains as follows: 1. The 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 Elizabeth Griffin, an adult individual, who currently resides at 323 West I" Street, in Boiling Springs, Cumberiand County, Pennsylvania, 17007. COUNTI-CONTRACT 3. Defendant applied for and received a credit card with CHASE, USA NA bearing the account number (4325157002508651), on or about January 21, 1999. 4. Defendant made use of said credit card, thus accepting the offer of credit, and has a current balance due of Thirteen Thousand Two Hundred Seventy Three Do 1 lars and Thirty Four Cents ($13,273.34) as of April 4, 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 June 2, 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 cn September 23, 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 i-iterest from the date of default of June 2, 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, Elizabeth Griffin, individually, in the amount of $13,273.34, with continuing pre judgment interest thereon at the rate of 19.99% per annum from April 4, 2012 up to date of judgment, plus subsequent 6% interest on the judgment obtained, plus costs. COUNT I1- ACCOUNT STATED 9. Paragraphs 1-8 are incorporated lierein_ l 0. Defendant received aforesaid monthly statements, and did not timely dispute the charges therein. 11. Defendant made partial payments on the balances then due 12. The account stated was impliedly accepted by Defendant. Wherefore, the Plaintiff, ABILITY RECOVERY SERVICES, LLC, prays for judgment in its favor and against Defendant, Elizabeth Griffin, individually, in the amount of $13,273.34, with continuing pre judgment interest thereon at the rate of 19.99% per annum from April 4, 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, Elizabeth griffin, individually, in the amount of the reasonable value of benefits conferred, to be determined, plus interest, plus costs. Dated: -Y?? ' ' -f, ames T. Mulligan, Jr., Esquire ALD#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. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. Section 4904 relating to unsworn falsification to authorities, tl.ai he is CHRISTOPHER MUNLEY, VICE PRESIDENT. authorized agent of ABILITY RECOVERY SERVICES, LLC, Plaintiff herein that he is duly 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. 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DG E,n r- O rc T s cL m 2 , v R ° - G n' •r < (/I 3 3 D] 77 T rx c 7 _ Gym -(0 - - - C _ - - - Z ' M ;a - J - L EXh?bit It Byy Statement for account number: 4325 1570 0250 8651 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $5.397.97 09102108 $0.00 $107.00 Make your the payable to: Chase Card Services. $ F_ Please write amount enclosed. New address or e-mail? Print on back. 432515700250865100010700005397970000008 04535 aEX 922608D ?rrr???t?rr?t r?t?rr?t r??tr r?r?f rf r??r?f?r rr??r r?r?r rt ??rr??rr? ELIZABETH J GRIFFIN 323 W 1ST ST CARDMEMBER SERVICE BOILING SPRGS PA 17007-9450 PO BOX 15153 WILMINGTON DE 19886-5153 ,:S000160284 2 5 2 700 2 508 6 5 1511' Opening/Closing Date: 07/14/08 - 08/13/08 CUSTOMER SERVICE CHASE Payment Due Date: 09/02/08 In U.S. 1-800-945-2000 Minimum Payment Due: $107.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 43251570 0250 8651 1-302-594-8200 Previous Balance $5,477.90 Total Credit Line 100 ACCOUNT INQUIRIES $9 Payment, Credits -$125.00 Available Credit , P.O Box 15298 $3702 urchases, Cash, Debits +$24.95 Cash Access Line , DE , Wil Wilmingtonn, DE 19850-5298 $9,100 Finance Charges +$20.12 Available for Cash $3,702 PAYMENT ADDRESS New Balance $5,397.97 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.rom/creditcards REWARDS SUMMARY To redeem your points, call the number on the Previous points balance 1,290 back of your card or log on to Points earned for finance charges 21 www.chase.com/creditcards Points earned on purchases 25 Total points expired this period 54 New total points balance 1,282 54 points to expire on statement date in September 2008 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 07/17 24692168199000473183464 TWX'AOL SERVICE 0_7.08.800_ -8_2.7-6364 NY - $24.95 07/30 12122122700005703135063 Payment Thank You 125.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .01370% 5.00% $1,861.06 $7.90 $0.00 $0.00 $7.90 Cash advances V .01370% 5.00% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.01370% 5.00% $67.76 $0.29 $0.00 $0.00 $0.29 Promotional summary .01093% 3.99% $1,714.88 $5.81 $0.00 $0.00 $5.81 Promotional summary .01093% 3.99% $1,806.03 $6.12 $0.00 $0.00 $6.12 Total finance charges $20.12 Effective Annual Percentage Rate (APR): 4.43% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Guard against identity theft and manage your credit information with Chase ID Protection. Get unlimited access to 3-in-1 credit reports and scores, daily monitoring of your credit files, timely alerts and more. To purchase, call 1-800-217-0291 or visit www.chaseidprotection.com. 0000001 FIS33335 D (3 000 V 3 13 08/08/13 Page 1 of 1 05685 MAMA 04535 22610000060000453501 K 0053 INS133421NS+3349 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: --------------- City . ----- ----- State: -- Zip. ----- ---- Home Phone. --- --- ---- Work Phone. --- --- ---- E-mail Address: -- -_------- L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail. send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement. and must be made by check or money order. payable in U S. Dollars. and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon: and there ran be no staples, paper clips, tape or correspondence included with your payment If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mad to our post office box designated for payments. crediting of your payment may be delayed forup to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults an your account may be reflected in your credit report . It you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information train your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your cheek back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send its for less than the full balance due that is marked `paid in full` or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount must be sent to Card Services, P0. Box 15049, Wilmington. DE 19850-5049. We reserve all our rights regarding these payments (e g if it is determined there is no valid dispute orif any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments. whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notiy us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time. you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions or, your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g., balance transfer/convenience checks and cash advance checks i' check transaction'), purchases. balance transfers, cash advances, promotional balances or overdraft advances), Please consult your Cardmember Agreement for the features that are, applicable to your card. These calculations may combine different categories with the same dairy periodic rates If there is a "V" next to a periodic rate on this statement. that rate may vary. and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you ovre any periodic finance charges- and a transaction finance charge for each balance transfer, cash advance. or check transaction. in the amounts slated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle. we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or rredils. and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choir). Fees are added either on the date of a related transaction, the date they are posted to your account. or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. vie add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cyclefs). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction. fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers. cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing' section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. However. if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer. the applicable periodic finance charges will accrue on anyy Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement. even if your New Balance consists only of Qualifying Promotional Finanrmg balances. For `deferred interest' Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance, Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. For 'fixed payment' Qualilpng Promotional Financing that permits you to pay fora purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However. you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill. write Cardmember Service on a separate sheet at P0. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing se will not preserve your rights. In your letter. give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the errorand explain, III ran, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account. you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur Special Rule for Credit Card Purchases: If you have a problem with the quality of goods orseNices thatyou purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA030708 Statement for account number: 4325 1570 0250 8651 New Balance Payment Due Date Past Due Amount Minimum Payment $5.332.80 10/03/08 $0.00 $106.00 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back 432515700250865100010600005332800000008 02218 aEx 9 26708 D ELIZABETH J GRIFFIN 323 W 1ST ST BOILING SPRGS PA 17007-9450 CHASE 0 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1:5000 IGO 281: 25 2 700 2 5086 5 liSul Opening/Closing Date: 08/14108 - 09/13/08 CUSTOMER SERVICE Payment Due Date: CHA5E O 108 In U S 1-800-945-2000 / / inimum Payment Due: M $1 06 00 Espanol 1-888-446-3308 TOO 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 1570 0250 8651 1-302-594-8200 Previous Balance $5,397.97 Total Credit Line 100 ACCOUNT INQUIRIES $9 Payment, Credits -$110.00 Available Credit , P.O. 15298 Box $3 767 Purchases, Cash, Debits +$24.95 Cash Access Line W il , mington, DE n, DE 19850-5298 Wil $9,100 Finance Charges +$19.88 Available for Cash $3,767 PAYMENT ADDRESS New Balance $5,332.80 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards REWARDS SUMMARY To redeem your points, call the number on the Previous points balance 1,282 back of your card or log on to Points earned for finance charges 20 www.chase.com/crediteards Points earned on purchases 25 Total points expired this period 54 New total points balance 1,273 52 points to expire on statement date in October 2008 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 08/17 24692168230000127977692 TWX'AOL SERVICE 0808 800-827-6364 NY $24,95 08/28 12412412700005828390449 Payment - Thank You 110.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.01370% 5.00% $1,893.98 $8.04 $0.00 $0.00 $8.04 Cash advances V.01370% 5.00% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.01370% 5.00% $68.05 $0.29 $0.00 $0.00 $029 Promotional summary .01093% 3.99% $1,602.07 $5.43 $0.00 $0.00 $5.43 Promotional summary .01093% 3.99% $1,805.74 $6.12 $0.00 $0.00 $6.12 Total finance charges $1988 Effective Annual Percentage Rate (APR): 4.44% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Guard against identity theft and manage your credit information with Chase Identity Protection. Get access to 3-in-1 credit reports and scores, daily monitoring of your credit files, timely alerts and more. To purchase, call 1-800-217-0291 or visit www.chaseidprotection.com. 0000001 FIS33335 D 6 000 Y 9 13 08109/13 Page 1 of 1 05686 MAMA 02218 25610000060000221801 X 0053INS13377 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------------------- City ------------------ State -- Zip. ----- ---- Home Phone. --- --- ---- Work Phone: --- --- ---- E-mail Address: --------_-- _1 Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number Crediting of Payments: For payments by regular U.S. mail. send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement. and must be made by check or money order payable in U.S. Dollars. and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon, and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or it your payment is not sent by regular U.S. main to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-lime electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution Call the customer service number on this statement if you have questions about electronic cherk collection or do not want your payments collected electronically Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full' or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049. Wilmington. DE 19850-5049. We reserve all our rights regarding these payments (a g -. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee. it will be billed earn year or in monthly installments whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify Us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement. separately far each feature (a g., balance transfer/convenience checks and cash advance checks ('check transaction'). purchases, balance transfers, cash advances, promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. It there is a "U" next to a periodic rate on this statement. that rate may vary and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance or check transaction. in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice;. Fees are added either on the date of a related transaction. the date they are posted to your account. or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the dally periodic rare to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. if more than one daily periodic rate could apply based on the average daily balance, vie will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days); We accrue periodic finance charges on a transaction. fee. or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers. cash advances, check transactions, or overdraft advances. In addition, if there is a 'Oualfying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date, However, if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer. the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Retraining Balance(s) by the date and time your payment is due. However if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement. even if your New Balance consists only of Ooalifying Promotional Financing balances. For 'deferred interest' Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day alter the Expiration Date, Further. if you default under the terms of your Cardmember Agreement. the deterred finance charges will be added to your account as soon as the date of default. For 'fixed payment' Qualifying Promotional Financing that permits you to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill. write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter. give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account. you can stop the payment on any amount you think is wrong. To stop the payment. your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods orservices that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made ie your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed Von the advertisement for the property or services. MA030708 Statement for account number: 4325 1570 0250 8651 New 5 919 41 Payment 11/02Date /08 Past Due Amount $0.00 Minimum Payment CHASE'! • Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 432515700250865100011800005919410000007 04507 BFX 9 28708 D ?rrr???r??r?rr?r?rr?r r??rrr?r?rrr r??r?r?r rr ??r r?r?rrr??rr??rf? ELIZABETH J GRIFFIN 323 W 1ST ST CARDMEMBER SERVICE BOILING SPRGS PA 17007-9450 PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 L 60 281: 2S 2 700 2 508 6 5 i 511' Opening/Closing Date: 09/14/08 - 10/13108 CUSTOMER SERVICE CHASE Payment Due Date: 11/02/08 In U.S. 1-800-945-2000 Minimum Payment Due: $118.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 VISA ACCOUNT SUMMARY Account Number: 43251570 0250 8651 ACCOUNT INQUIRIES Previous Balance $5,332.80 Total Credit Line $9,100 P. Box 15298 Payment, Credits -$150.00 Available Credit $3,180 Wilmington, , DE DE 19850-5298 Purchases, Cash. Debits +$716.30 Cash Access Line $9,100 Finance Charges +$20.31 Available for Cash $3,180 PAYMENT ADDRESS New Balance $5,919.41 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards REWARDS SUMMARY To redeem your points, call 1-800-603-2265 or Previous Points Balance 0 log on to www.chase.com/creditcards. Points Transferred In 1,298 Points Earned On Purchases 692 Points Expired This Period 0 Current Points Total 1,990 52 Points Due To Expire on Statement in October, 2009 TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 09/17 24692168261000777007438 TWX'AOL SERVICE 0908 800-827-6364 NY $24.95 - - - -- - - ------- -- - -- -- -- 09/28 12722722700-005961355602 Payment -Thank You 15.0.00_ 09130 24254778275459722000023 CARLISLE PETROLEUM 717-2452382 PA 691.35 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .01370% 5.00% $2,249.77 $9.25 $0.00 $0.00 $9.25 Cash advances V .05751% 20.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .01370% 5.00% $68.34 $0.28 $0.00 $0.00 $0.28 Promotional summary .01093% 3.99% $1,483.57 $4.86 $0.00 $0.00 $4.86 Promotional summary .01093% 3.99% $1,805.71 $5.92 $0.00 $0.00 $5.92 Total finance charges $20.31 Effective Annual Percentage Rate (APR): 4.34% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS NEW!! More options to get cash back -- Now, you can also re- ceive a $25 statement credit for 2,500 points. SPECIAL RED- EMPTION OFFERS!!: $10 Starbucks Card, $10 Regal Cinemas Gift Card, $10 BathBBody Works Gift Card, or $10 Shell Gift Card - each at 1.500 points, thru 12/31/08: www.chase.com/rewards 0000001 FIS33335 0 9 000 V 9 13 08110/13 Page 1 oft 05696 MAMA 04507 28710000090000450701 X 03711NS134251NS13402 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: _____----_-_ City. ------------ State -- Zip ----- ----- Home Phone. --- --- ---- Work Phone. -_- --- ---- E-mail Address: ----------__ L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement. and must be made by check or money order, payable in U.S. Dollars. and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon, and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 100 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 o.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed far up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments, Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your chack to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution, Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send its for less than the full balance due that is marked "paid in full' or contains a similar notation, or that you otherwise tender in TO satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049. Wilmington. DE 19850-5049 We reserve all our fights regarding these payments (e.g.. if it is determined there is no valid dispute or it any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee. it will be billed each year or in monthly installments whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full, Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account If your account is closed by you or us. we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable parodic rates shown on this statement, separately for each feature (a g., balance transfer/convenience checks and cash advance checks 'check transaction`). purchases. balance transfers, cash advances, promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card. These ralcUlations may combine different categories with the same daily periodic rates It there is a "V" next to a periodic rate on this statement. that rate may vary and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amendedThere is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer. cash advance. or check transaction. in the amounts stated in your Cardmember Agreement, as amended, To get the daily balance for each day of the current billing cycle. we take the beginning balam:e for each feature. add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits. and make other adjustments. Transactions are added as of the transaction date. the beginning of the billing cycle in vfiich they are posted to your account or a later date of our entice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added eitheron the date of a related transarbon. the date they are posted to your account. or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, w o multiply the daily balance by the daily periodic role to get your periodic finance charges for that day. We then add these periodic finance charges to your dairy balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average dairy balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the dairy periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic, rate and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction. fee. or finance charge from the date it is added to your daily balance until payment in full is received on your account. However. we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a 'Qualifying Promotional Financing" section on this statement. you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. However, it you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer. the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section. pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. For "deferred interest' Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. For 'fixed payment' Qualifying Promotional Financing that permits you to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase However, you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is vrrong. or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P0. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will notpreserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while the are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant. you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA030708 Statement for account number: 4325 1570 0250 8651 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $5,828.70 12/03/08 $0.00 $116.00 . Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 432515700250865100011600005828700000008 CA672 BEX 9 31808 D IIIIIIII L. IAIL.Ir11 11111r?r rr r??r?r?rr r 1 L. 111... ELIZABETH J GRIFFIN 323 W 1ST ST CARDMEMBER SERVICE BOILING SPRGS PA 17007-9450 PO BOX 15153 WILMINGTON DE 19886-5153 t: 5000 160 28i: 2 5 2 700 2 508 6 5 i 511a Opening/Closing Date: 10/14/08 - 11/13/06 CUSTOMER SERVICE CHASE 0 in t 1 0 . M imum Paymen Due: $1 0 6 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number : 43251576 6250 8651 1-302-594-8200 Previous Balance $5,919.41 Total Credit Line 100 ACCOUNT INQUIRIES $9 Payment, Credits -$150.00 Available Credit , Box 15298 P.O $3 271 Purchases, Cash, Debits +$39.31 Cash Access Line W il , , DE 19850-5298 $9,100 tlmington DE Finance Charges +$19,98 Available for Cash $3.271 PAYMENT ADDRESS New Balance $5,828.70 P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards REWARDS SUMMARY To redeem your points, call 1-800-603-2265 or Previous Points Balance 1,990 log on to www.chase.com/creditcards. Points Earned On Purchases 40 Points Expired This Period 0 Current Points Total 2,030 52 Points Due To Expire on Statement in October, 2009 TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 10/1724692168291000329492231 __ _TWX'AOL SERVICE 1008 8_00-827-6364 NY $24.95 10121 24445008296501631643257 CVS PHARMACY #1627 003 CARLISLE PA -------- ------- ----- -- - 1436 -- ------ 10/30 13043042700006100332877 Payment -Thank You - --- 150.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .01096% 4.00% $2,664.14 $9.05 $0.00 $0.00 $9.05 Cash advances V.05477% 19.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.01096% 4.00% $68.60 $0.23 $0.00 $0.00 $0.23 Promotional summary .01093% 3.99% $1,351.45 $4.58 $0.00 $0.00 $4.58 Promotional summary .01093% 3.99% $1,806.03 $6.12 $0.00 $0.00 $6.12 Total finance charges $19.98 Effective Annual Percentage Rate (APR): 4.07% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Save 15% on travel to Las Vegas by using your Chase card! Experience Las Vegas at its best at any of the spectacular MGM MIRAGE resorts. Book by 12/22/08 to enjoy the savings! Visit www.MGMMIRAGEVACATIONS.COM//SAVE15.ASP and enter promotional code'SAVE15" for all the details. 0000001 FIS33335 D 5 000 Y 9 13 08/11/13 Page 1 of 1 05686 MAMA 04672 31810000050000467201 Y 03711NS13460 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. ------_.---------- City ------------------ State -- Zip ----- ---- Home Phone: --- --- ---- Work Phone. --- --- ---- E-mail Address. --------------- L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number Crediting of Payments: For payments by regular U.S. mail. send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order. payable in U.S. Dollars. and drawn on or payable through a J J S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon, and there ran be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1,00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you de not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement it you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment the ck or othe r fo rm of payment that you send us for less than the full balance due that is marked "paid in full' or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington. DE 19650-5049. We reserve all our rights regarding these payments (e.g.. it it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still ovre any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments. whether or not you use your acrount, and you agree to pay it when billed. The annual tee is non-refundable unless you notify us that you wish to close your account vithin 30 days of the date we mail your statement on which the annual fee is charged and at the same time. you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limityour right to make transactions on your account. If your account is closed by you or us. we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (a g., balance transfer/convenience checks and cash advance checks j-check transaction"), purchases. balance transfers, cash advances, promotional balances or overdraft advances;. Please consult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. It there is a "V' next to a periodic rate on this statement. that rate may vary. and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer. cash advance. or check transaction. in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature. add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fe" are added either on the date of a related transaction, the date they are posted to your account. or the last day of the billing cycle. This gives us that day s daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic, rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the dairy periodic finance charges for all features. To determine an average daily balance, vie add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together. the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies. multiply the average daily balance for each feature by the applicable monthly periodic, rate and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding, Grace Period (at least 20 days): We accrue periodic finance charges on a transaction. fee. or finance charge from the date it is added to your daily balance until payment in full is received on your account. However. we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date, However, if you default under the terms of your Cardmember Agreement or ary Qualifying Promotional Financing offer, the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even it your New Balance consists only of Qualifying Promotional Financing balances. For 'deferred interest" Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default, For' fixed payment" Qualifying Promotional Financing that permits you to pay fora purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase However, you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing se will not preserve you r rights. In your letter give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: It you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goads or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA030706 Statement for account number: 4325 1570 0250 8651 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE $6,811.90 01/02/09 $0.00 $136.00 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or a-mail? Print on back. 432515700250865100013600006811900000001 02439 HEX 9 34808 D Irr r???r ?rr?rr?r ?r??rr?'rrr?r?r?r ???r?r?r rr??r r?r?r?r??rr???r) ELIZABETH J GRIFFIN 323 W 1ST ST CARDMEMBER SERVICE BOILING SPRGS PA 17007-9450 PO BOX 15153 WILMINGTON DE 19886-5153 LrrllLnllIll. llrrrl„rlI'll III rr11111,11....rlrlrr11MI11l 1: 5000 i60 281: 2 5 2 700 2 5086 S i Still Opening/Closing Date: 11/14108 - 12/13/08 CUSTOMER SERVICE CHASE Payment Due Date: 01/02/09 In U.S 1-800-945-2000 Minimum Payment Due: $136.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 1570 0250 8651 1-302-594-8200 Previous Balance $5,828.70 Total Credit Line ACCOUNT INQUIRIES $9 100 Payment, Credits -$125.00 Available Credit , P.O. Box 15298 $2 288 Purchases, Cash, Debits +$1,086.29 Cash Access Line , Wilmington, DE 19850-5298 $9,100 Finance Charges +$21,91 Available for Cash $2,288 PAYMENT ADDRESS New Balance $6,811.90 P.O.Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards REWARDS SUMMARY To redeem your points, call 1-800-603-2265 or Previous Points Balance 2,030 log on to www.chase.com/creditcards. Points Earned On Purchases 1,087 Points Expired This Period 0 Current Points Total 3,117 52 Points Due To Expire on Statement in October, 2009 Congratulations! You have enough points to redeem. Log on now to www.chase.com/creditcards to see the complete selection of gift cards/gift certificates and to redeem TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 11/17 2469216832200_004825743_9 TWX`AOL SERVICE 1108 800-827-6364 N_Y_ $24.95 11/19 24323008324253324010088 BRICE U. ARNDT, DDS, P CAMP HILL PA --- -- --- ---- 1,061.34 11/26 1331331 MOODIM211 02M8 Payment-Thank You 125.00 ---- FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .01096% 4.00% $3,586.80 $1139 $0.00 $0.00 $11.79 Cash advances V .05477% 19.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .01096% 4.00% $68.82 $0.23 $0.00 $0.00 $0.23 Promotional summary .01093% 3.99% $1,210.01 $3.97 $0.00 $0.00 $3.97 Promotional summary .01093% 3.99% $1,805.30 $5.92 $0.00 $0.00 $5.92 Total finance charges $21.91 Effective Annual Percentage Rate (APR): 3.94% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Guard against identity theft and manage your credit information with Chase Identity Protection. Get access to your credit report and score, daily monitoring of your credit files, timely alerts and more. To purchase, call 1-888-717-7534 or visit www.chaseidprotection.com. 0000001 FIS33335 D 8 000 Y 0 13 08/12113 Page 1 o11 05888 MA MA 02439 34710000080000243901 0371 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. -------------- City: ------------------ State -- Zip: ----- ----- Home Phone. --- -_- ---- Work Phone: --- --- ---- 7 E-mail Address. L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail. send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement and must be made by check or money order. payable in U.S. Dollars. and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send rash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon, and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think ,ne have reported inaccurate information to a credit bureau. you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number on this statement it you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P0. Box 15049, Wilmington DE 19850-5049. We reserve all our fights regarding these payments (e.g.. if it is determined there is no valid dispute orif any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee. it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to Ilmityour right to make transactions on your account. If your account is closed by you or us. we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement separately far each feature le.g., balance transfer/convenience checks and cash advance checks ( check transaction'). purchases. balance transfers, cash advances, promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. It there is a "V" next to a periodic rate on this statement, that rate may vary. and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a rnimmum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer cash advance. or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature. add any new transactions or other debits including fees, unpaid finance charges and other charges), subtract any payments or credits. and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our chocee). Fees are added either on the date of a related transaction, the date they are posted to your account or the last day of the billing cycle. This gives as that day's daily balance. A credit balance is treated as a balance of zero. If a daily penodic rate applies to any feature. we multiply the daily balance by the daily periodic rare to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day, (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies. we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic, rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic, rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However. we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due There is no grace period for balance transfers, cash advances. check transactions, or overdraft advances, In addition, it there is a "Qualifying Promotional Financing' section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. However, if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer. the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance consists only of Qualifying Promotional Financing balances. For 'deferred interest' Qualifying Promotional Financing, periodic finance charges accrue during the promotional period but are not added to your account balance. Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For' fixed payment' Qualifying Promotional Financing that permits you to pay for a purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase However. you will have a grace period on other new purchases as described above BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong. or if you need more information about a transaction on your bill. write Cardmember Service on a separate sheet at P0. Box 15299 Wilmington. DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You ran telephone us, but doing so will not preserve your rights. In your letter. give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. It you have authorized us to pay your credit card bill automatically from your savings or checking account. you can stop the payment on any amount you think is wrong. To stop the payment. your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MAD30708 Statement for account number: 4325 1570 0250 8651 New Balance Payment Due Date Past Due Amount Minimum Payment $6.696.33 02102/09 $0.00 $133.00 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 432515700250865100013300006696330000006 CHASE 0 05564 BEx 9 01309 D I ??? ? ? ? ? ? ?? ? ? ?? ? ? ?? ? ? ?? ?? ? rrr r rr rr ELIZABETH J GRIFFIN r rr rr rrr r rrr r r r r rr r r r r rr r r rr 323 W 1ST ST BOILING SPRGS PA 17007-9450 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I: S000 60 281: 2 S 2 700 2 S0& 6 S i Su, Opening/Closing Date: 12/14/08 - 01/13/09 CUSTOMER SERVICE 0 Payment Due Date: CHASE 02/02/09 In U.S. 1-800- 45-2000 Minimum Payment Due: 4 $133.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect VISA ACCOUNT SUMMARY Account Number: 4325 1570 0250 8651 1-302-594-8200 Previous Balance $6,811.90 Total Credit Line ACCOUNT INQUIRIES $9 100 Payment, Credits -$136.00 Available Credit , P O. Box 15298 $2,403 Finance Charges +$20.43 Cash Access Line $9,100 Wilmington, DE 19850-5298 New Balance $6,696.33 Available for Cash $2,403 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chase.com/creditcards REWARDS SUMMARY To redeem your points, call 1-800-603-2265 or Previous Points Balance 3,117 log on to www.chase.com/creditcards. Points Earned On Purchases 0 Points Expired This Period 0 Current Points Total 3,117 52 Points Due To Expire on Statement in October, 2009 Congratulations! You have enough points to redeem. Log on now to www.chase.com/creditcards to see the complete selection of gift cards/gift certificates and to redeem TRANSACTIONS Trans Date Reference Number Merchant Name or Transaction Description Amount Credit Debit 12/2713633622700006358353984 Payment - Thank You $136.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V.00890% 3.25% $3,777.61 $10.42 $0.00 $0.00 $10.42 Cash advances V .05271 % 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .00890% 3.25% $69.04 $0.19 $0.00 $0.00 $0.19 Promotional summary .01093% 3.99% $1,090.79 $3.70 $0.00 $0.00 $3.70 Promotional summary .01093% 3.99% $1,805.46 $6.12 $0.00 $0.00 $6.12 Total finance charges $20.43 Effective Annual Percentage Rate (APR): 3.63% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. 0000001 FIS33335 D 8 000 V 9 13 09101113 Page 1 oft D5686 MAMA 05564 01310000080000556401 )( 0371 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ---------------------- City: ------- State -- Zip. ----- -- Home Phone --- --- Work Phone --- --- E-mail Address: ----_-- L Information About Your Account Lost or Stolen Cards: Please report your lost or stolen card imunedlately by calling the Customer Service number found on the front of your statement. Advisors are always available to assist you. You can reach an Advisor by pressing 0 after you enter your account number. Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to ourpost office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement. and must be made by check or money order. payable in U.S. Dollars. and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window. the envelope cannot contain more than one payment or coupon, and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance :with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting of your payment may be delayed far up to b days. Payments made electronically through our automated telephone service. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. and you will not receive your check back from your financial institution. Call the customer service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid in full' or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount must be sent to Card Services, P0. Box 15049, Wilmington. DE 19850-5049. We reserve all our fights regarding these payments (eg.. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address. Annual Renewal Notice: If your account has an annual fee. it will be billed each year or in monthly installments. whether or not you use your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date vie mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full Your payment of the annual fee does not affect our rights to close your account and to hur tyourrighttomake transactions on your account. If your account is closed by you or us. we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.q., balance transfer/convenience checks and cash advance checks (check transaction'), purchases. balance transfers, cash advances, promotional balances or overdraft advances). Please consult your Cardmember Agreement for the features that are applicable to your card. These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary. and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer cash advance. or check transaction. in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle. we take the beginning balance for each feature. add any new transactions or other debits ,including fees, unpaid finance charges and other charges). subtract any ,including or credits. and make other adjustments. Transactions are added as of the transaction date. the beginning of the billing cycle in which they are posted to your account or a later date of our choice (except that check transactions are added as of the date deposited by the payee ore later date of our choce). Fees are added either on the date of a related transaction, the date they are posted to your account. or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, vie multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then _1 add these periodic finance charges to your tlaity balance to get the beginning balance for the next day. (If more than one daily periodic note could apply based on the average daily balance, we will use the daily periodic rate that applies for the average dairy balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, vie add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together. the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction. fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and dine your payment was due. There is no grace period for balance transfers, cash advances, cherk transactions, or overdraft advances. In addition, if there is a "Qualifying Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in that section if you pay that balance in full by the applicable Expiration Date. However, if you default under the terms of your Cardmember Agreement or any Qualifying Promotional Financing offer the applicable periodic finance charges will accrue on any Remaining Balance as soon as the billing cycle in which the default occurs. To avoid finance charges on new purchases when your New Balance includes any Remaining Balance(s) in the Qualifying Promotional Financing section, pay your full New Balance minus the total of those Remaining Balance(s) by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement. even if your New Balance consists only of Qualifying Promotional Financing balances. For 'deferred interest' Qualifying Promotional Financing, periodic, finance charges accrue during the promotional period but are not added to your account balance, Instead, they accumulate from billing cycle to billing cycle. If a deferred interest Qualifying Promotional Financing balance is not paid in full by the applicable Expiration Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you default under the terms of your Cardmember Agreement, the deferred finance charges will be added to your account as soon as the date of default. For' fixed payment` Qualifying Promotional Financing that permits you to pay fora purchase in a designated number of payments, you will not have a grace period for that balance as each payment includes a portion of the interest owed over the repayment term for that purchase. However. you will have a grace period on other new purchases as described above. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong. or if you need more information about a transaction on your bill. write Cardmember Service on a separate sheet at P0. Box 15299 Wilmington. DE 19650-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will notpreserve your rights. In your letter. give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account. you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant. you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address, These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MA030708 Payment Due Date New Balance Past Due Amount Minimum Payment 03105109 $6,583.36 $0.00 5131.00 Account number: 4325 1570 0250 8651 Make year check payable [o: Chase Card Serv rvices. Please write amount enclosed. New address or e-mail? Print on back. 432515700250865100013100006583360000000 02271 13EX 9 04409 D ELIZABETH J GRIFFIN 323 W 1ST ST BOILING SPRGS PA 17007-9450 i..rlllrirrlrrlrirrlrrllrrrlrlrrrrllrlllrrrllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 lur{{{u1{{{ur{Inr{m{{r{ur{n{rl r{r{{rnu{r{ul{ur{r{I I: 5000 160 281: 2 5 2 700 2 5086 S i 511a Statement Date. CHASE 0 01/14/09-02/13/09 Minimum Payment: $131.00 Payment Due Date: 03105109 ACCOUNT SUMMARY VISA Account Number: 43251570 0250 8651 Previous Balance $6,696.33 Total Credit Line $9,100 Payment, Credits -$133.00 Available Credit $2,516 Finance Charges +$20.03 Cash Access Line $9,100 New Balance $6,583.36 Available for Cash $2,516 Manage your account online: www. chase. corn/creditcards Additional contact information conveniently located on reverse side REWARDS SUMMARY Previous Points Balance 3,117 To redeem your points, call 1-800-603-2265 or Points Earned On Purchases 0 log on to www.chase.com/creditcards. Points Expired This Period 0 Current Points Total 3,117 52 Points Due To Expire on Statement in October, 2009 Congratulations! You have enough points to redeem. Log on now to www.chase.com/creditcards to see the complete selection of gift cards/gift certificates and to redeem. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 01127 Payment - Thank You -133.00 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 Charge Fin Charge CHARGES Purchases V .00890% 3,25% $3,788.05 $10.45 $0.00 $0.00 $10.45 Cash advances V .05271 % 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .00890% 3.25% $69.23 $0.19 $0.00 $0.00 $0.19 Promotional summary .01093% 3.99% $966.06 $3.27 $0.00 $0.00 $3.27 Promotional summary .01093% 3.99% $1,805.54 $6.12 $0.00 $0.00 $6.12 Total finance charges $20.03 Effective Annual Percentage Rate (APR): 3.62% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer tees - expressed as a percentage. IMPORTANT NEWS We are bringing you clear and simple! 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, with information simply displayed. 11000001 Hs33338 D 8 000 Y 9 13 09102713 Page 1 of 1 05666 MAMA 02271 04410000080000227101 X 0371INS13772 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ----.------------------ City - ---------------- State -- Zip ----- ----- Home Phone: --- --- ---- Work Phone. --- --- ---- E-mail Address: ------------------ To contact us regarding your account: © By Telephone: In 11.5. 1-800-945-2000 7 Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TDD 1-800-955-8060 Pay by phone 1-800-436-7958 P O. Box 15298 P.O. Box 15153 www.chase.comacreditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account Crediting of Payments: For payments by regular U.S mail, send at least your minimum payment due to our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a O.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope windovc the envelope cannot contain more than one payment or coupon: and there can be no staples. paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available o us on any day except December 25 by 1:00 p m. local time at our Payments address on this statement. we will credit the payment to your account as of that day. It your payment is in accordance with our payment instructions, but is made available to us after t00 p.m. local time at our Payments address on this statement, we will credit it to your account as of the next day. It you do not follow our payment instructions or if your payment 1s not sent by regular U.S mail to our Payments address. crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report . It you think we have reporteo inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the Customer Service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in frill" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, PO Box 15049 Wilmington, DE 19850.5049 We reserve all our rights regarding these payments (e.g., it it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance) We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the regular Payments address shown on this statement Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments. whether or not you use your account. and you agree to pay it when billed. [he annual fee is non- refundable unless you facility us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in lull. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. It your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full - and terminate Your account relationship Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement. separately for each feature (e.g.,balance transfer/convenience checks and cash advance checks ('check transaction"), purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a'V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges and a transaction finance charge for each balance transfer, cash advance. or check transaction in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choicer Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). It you multiply the average daily balance for each feature by the applicable dally periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (al least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong. or it you need more information about a transaction an your bill. write Customer Service on a separate sheet at P.D. Box 15299 Wilmington, DE 19850.5299 as soon as possible. We must hear from you no later than 50 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so vain not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error Describe the error and explain, if you can, why you believe there is an error. It you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your fetter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in goad faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do riot apply if we own or operate the merchant, or if we matted you the advertisement for the property or services. 'AA111a08 Payment Due Date New Balance Past Due Amount Minimum Payment 04102109 $5,470.16 C$O.OD 5129.00 Account number:432511570025086511 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 432515700250865100012900006470160000000 05349 BEx 9 07209 0 ELIZABETH J GRIFFIN 323 W 1ST ST BOILING SPRGS PA 17007-9450 Irrrlilrlrrlrrlrirrlrrllrrrlrirrrrllrlrl...1I.A.L.011.11 rrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 Irnlllrnlllrullnrlnrllrl...I.Arlrlrllruu10L.11rrrlrll 1:5000160284 2 5 2 700 2 508 6 5 1511' Statement Date: CHASE O 02/14/09 - 03/13/09 Minimum Payment: $129.00 Payment Due Date: 04102109 ACCOUNT SUMMARY VISA Account Number: 43251570 0250 8651 Previous Balance $6,583.36 Total Credit Line $9,100 Payment, Credits -$131.00 Available Credit $2,629 Finance Charges +$17.80 Cash Access Line $9,100 New Balance $6,470.16 Available for Cash $2,629 19 Manage your account online: www.ctlase. com/cr-editcards Additional contact information conveniently located on reverse side REWARDS SUMMARY _ Previous Points Balance 3,117 To redeem your points, call 1-800-603-2265 or Points Earned On Purchases 0 log on to www.chase.com/creditGards. Points Expired This Period 0 Current Points Total 3,117 52 Points Due To Expire on Statement in October, 2009 Congratulations! You have enough points to redeem. Log on now to www.chase.com/ereditcards to see the complete selection of gift cards/gift certificates and to redeem. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 03/02 Payment - Thank You -131.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Conesp. Average Daily Due To Fee / Accumulated FINANCE Category 28 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .00890% 3.25% $3,797.99 $9.46 $0.00 $0.00 $9.46 Cash advances V .05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .00890% 125% $69.41 $0.17 $0.00 $0.00 $0.17 Promotional summary .010931 3.99% $862.27 $2.64 $0.00 $0.00 $2.64 Promotional summary .01093% 3.99°/ $1,806.15 $5.53 $0.00 $0.00 $5.53 Total finance charges $1T80 Effective Annual Percentage Rate (APR): 3.26% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Check out the new $10 gift cards available when you logon to www.chase.rwm/rewards. Rewards include your favorites like Wal-mart, Starbucks, and even Target. Redeem them starting at only 1500 points. And remember if you shop online, shop through www.chase.com/rewardsplus & get up to 1 Ox the points Pay your taxes the easy way today and spread your payments out over time. Go to www.chasepayyourtaxes.com/tax to pay your taxes with your Chase credit card. 0000001 1`63 336 U 12 000 Y 9 13 09103113 Page 1 of 1 05686 MAMA 05349 07210000120000534901 X 03711NS13788 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: --------------- City - State -- Zip -- Home Phone: -- Work Phone. .-- E-mail Address: _- To contact us regarding your account: By Telephone: O In U.S. 1-800-945-2000 7 M "? Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our website: TDD 1-800-95`x8060 Pay by phone 1-800-436-7958 P,O. Box 15298 P.O. Box 15153 wwwchase.com/creditcards Outside U.S. call collect Wilmington, DE 19650-5 298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our Payments address shown an this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment, It your payment is in accordance with our payment instructions and is made available o us on any day except December 25 by 100 p on. local time at our Payments address on this statement. we will credit the payment to your account as of that day. If your payment is in accordance with cur payment instructions, but is made available to us after 1:00 11 local time at our Payments address on this statement, we will credit it to your account as of the next day. 11 you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our Payments address, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus, Late payments. missed payments or other defaults on your account may be reflected in your credit report, If you thlnkwe have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. and you will not receive your check back from your financial institution. Call the Customer Service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically, Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full' or contains a similar notation. or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P 0 Box 15049. Wilmington. DE 19850-5041 We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance) - We may refuse to accept any such payment by returning it to you. not cashing it or destroying it All other payments that you make should be sent to the regular Payments address shown on this statement. Annual Renewal Notice: If your account has an annual fee., it will be hilted each year or in monthly installments, whether or not you use your account. and you agree to pay it when billed. The annual fee is non- relundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time. you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. It your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g..balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. 11 there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance. or check transaction. In the amounts stated in your Cardmember Agreement as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero, If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (It more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day ) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s) 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 periodic finance charges for the billing cycle, except for minor variations due to rounding To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (al least 28 days): We accrue periodic finance charges on a transaction. fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. Ti is no grace period for balance transfers, cash advances check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong. or it you need more information about a transaction on your bill, write Customer Service on a separate sheet at P 0. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do net have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong, To stop the payment, your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do riot apply if we own or operate the merchant, or it we mailed you the advertisement for the property or services. MAln4ce Payment Due Date New Balance Past Due Amount Minimum Payment 1 05103109 $6,801.41 $0.00 $136.00 Account number: 4325 1570 0250 8651 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 43251570025086510D013600006801410000006 05323 nEX 9103090 (rrr??'rlrrllrlrlrr?rrl'rrrl rlrrr r??r?r?r rr ??r r?r?r rr??rr??rr ELIZABETH J GRIFFIN 323 W 1ST ST CARDMEMBER SERVICE BOILING SPRGS PA 17007-9450 PO BOX 15153 WILMINGTON DE 19886-5153 I: 5000 i 60 281: 2 5 2 700 2 508 6 5 1511' Statement Date: 13 CHASE 03114/09 - 04/13/09 Manage your account online: www_chas_e. com/creditcards Minimum Payment: $136.00 Payment Due Date: 05/03109 Additional contact information conveniently located on reverse side ACCOUNT SUMMARY VISA Account Number: 4325 1570 0250 8651 Previous Balance $6,470.16 Total Credit Line $9,100 Payment, Credits -$129.00 Available Credit $2,298 Purchases, Cash, Debits +$440.48 Cash Access Line $9,100 Finance Charges +$19.77 Available for Cash $2,298 New Balance $6,801.41 REWARDS SUMMARY Previous Points Balance 3,117 To redeem your points, call 1-800-603-2265 or Points Earned On Purchases 343 log on to www.chase.com/creditcards. Points Expired This Period 0 Current Points Total 3,460 52 Points Due To Expire on Statement in October, 2009 Congratulations! You have enough points to redeem. Log on now to www.chase.comlcreditcards to see the complete selection of gift cards/gift certificates and to redeem. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 03/30 Payment - Thank You -129.00 04/01 ANNUAL MEMBERSHIP FEE 98.00 04102 CARLISLE CEMENT PRODUCTS CARLISLE PA 185.17 04103 CARLISLE CEMENT PRODUCTS CARLISLE PA 157.31 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 Charge Fin Charge CHARGES Purchases V .00890% 3.25% $3,976.66 $10.97 $0.00 $0.00 $10.97 Cash advances V .0527`1% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.00890% 3.25% $69.59 $0.19 $0.00 $0.00 $0.19 Promotional summary .01093% 3.99% $733.75 $2.49 $0.00 $0.00 $2.49 Promotional summary .01093% 3.99% $1,805.83 $6.12 $0.00 $0.00 $612 Total finance charges $19.77 Effective Annual Percentage Rate (APR): 3.60% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Save 10% at La Quinta Inns & Suites where your travel dollars go even further with FREE Bright Side Breakfast, FREE High-Speed Internet and Comfy beds. Book now through 9/30/09 at www.LQ.com/ChaselO or call 1-800-SLEEP-LQ (753-3757) and ask for promo "Chasel0". 0000001 FIS33338 D 7 000 Y 9 13 09/04/13 Page 1 oft 05686 MAMA 05323 10310000070000532301 X 0371 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. ----.------------------ city . ------------------ Stale -- Zip ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address. ---------------------- To contact us regarding your account: By Telephone: O In U.S. 1-800-945-2000 ' Espanol 1-888446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TDD 1-800-955-8060 Pay by phone 1-800436-7958 P O. Box 15298 P.O. Box 15153 www chase. com/creditcard_s Outside U.S. call collect Vrdmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment. It your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1.00 p.m. local time at our Payments address on this statement. we will credit the payment to your account as of that day. It your payment is in accordance with our payment instructions, but is made available to us after 1 .00 p.m. local time at our Payments address on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular US mail to our Payments address, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check, you authorize is either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the Customer Service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in frill" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P 0 Box 15049 Wilmington. DE 19850-5049 We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such checks received at any other address, we may accept the check and you will still owe any remaining balance), We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the regular Payments address shown on this statement Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account and you agree to pay it when billed. The annual fie is non- refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation off finance Charges: We calculate periodic f finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.,balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance, or check transaction. In the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature. add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee of a later date of our choke). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle This gives us that day's daily balance. A credit balance is treated as a balance of zero If a daily periodic rate applies to any feature, we multiply 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 dally 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 fate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features, To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable 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 will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average dally balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and ti me your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions. or overdraft advances. BILLING RIGHTS SUMMARY In Case of Efforts 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 Customer Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can. why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. It you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purrhase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we awn or operate the merchant, or if we mailed you the advertisement for the property or services. IvAl 11408 Payment Due Date New Balance Past Due Amount Minimum Payment 1 06102109 $8,128.59 $0.00 $0.00 Account number: 43251570 0250 8651 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail' Print on beck. 432515700250865100000000008128590000003 05245 3EX 9 13309 n ELIZABETH J GRIFFIN 323W 1ST ST BOILING SPRGS PA 17007-9450 Irrrlllrl,rlrririrrlrrllrrrlrirrrrlirlrirrrllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 111rlllrrrlll1r111rrrlrrrllrl,rrlrrlrl?lrlir?r?rlrlrrllr??lrll 1:50001,60284 2 5 2 700 2 508 6 5 i 511a Statement Date: CHASE O 04/14/09-05/13/09 Minimum Payment: $0.00 Payment Due Date: 06102109 ACCOUNT SUMMARY VISA Account Number: 4325 1570 0250 8651 Previous Balance $6,801.41 Total Credit Line $9,100 Payment, Credits -$150.00 Available Credit $971 Purchases, Cash, Debits +$1,454.37 Cash Access Line $9,100 Finance Charges +$22.8^ Available for Cash $971 New Balance $8,128.59 Manage your account online: www.chase.qom/creditcards Additional contact information conveniently located on reverse side REWARDS SUMMARY Previous Points Balance 3,460 To redeem your points, call 1-800-603-2265 or Points Earned On Purchases 1,455 log on to www.chase.com/creditcards. Points Expired This Period 0 Current Points Total 4,915 52 Points Due To Expire on Statement in October, 2009 Congratulations! You have enough points to redeem. Log on now to www.chase.com/creditcards to see the complete selection of gift cards/gift certificates and to redeem. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Descriotion Amount 04,129 Payment - Thank You -150.00 04/13 ZIMMERMAN PLUMBING & H 717-697-3528 PA 189.05 04117 STEVENS & LEE, PC 610-478-2000 PA 1,000.00 04/27 CARLISLE PETROLEUM 717-2452382 PA 265.32 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 .00890% 3.25% $5,457.78 $14.57 $0.00 $0.00 $14.57 Cash advances V .05271 % 1924% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.00890% 3.25% $69.77 $0.19 $0.00 $0.00 $0.19 Promotional summary .01093% 3.99% $649.42 $2.13 $0.00 $0.00 $2.13 Promotional summary .01093% 3.99% $1,805.92 $5.92 $0.00 $0.00 $5.92 Total finance charges $22.81 Effective Annual Percentage Rate (APR): 3.42% Please see Information About Your Account section for balance computation method, grace period, and other importan t information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS You have the flexibility to skip a payment. You must pay past due and ovedimit balances immediately. However, the remaining minimum payment for this month has been reduced to $0. Finance charges will continue to accrue. To reduce your balance, feel free to make a payment. 0000001 FIS33338 D 6 000 Y 9 13 09/05113 Page i of1 05686 MA MA 05245 13310000060000524501 X 0371 INS13870 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------------- City --- State -- Zip' --- Home Phone: --- Work Phone. --- E-mail Address. --- L To contact us regarding your account: O Telephone: In In U.S. 1-800-945-2000 L'"v Espanol 1-888-446-3308 Send Inquiries W Mail Payments to: Visit Our Website: TDD 1.800-955-8060 Pay by phone 1 -800-436-7958 P.O. Box 15298 P.O. Box 15153 www.chase.com/creditcards Outside U.S. call collect Wilmington, OE 19850-5298 Wilmington. OE 19886-5153 1-302-594-8200 Information About Your Account Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn an or payable through a U.S financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window; the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1.00 p.m. local time at our Payments address on this statement we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our Payments address on this statement, we will credit it to vour account as of the next day. II you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our Payments address, Crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report . If you think we have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check. you authorize us either to use information ftcm your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as Soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the Customer Service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send its for less than the full balance due that is marked "paid in full' or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P 0 Box 15049, Wilmington. DE 19850-5049, We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or it any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We, may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the regular Payments address shown on this statement. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account and you agree to pay it when billed. The annual fee is non- refundable unless you notify us that you wish to close your account vmhin 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does riot affect our rights to close your account and to limit your right to make transactions on Your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.,balance transfer/convenience checks and cash advance checks ('check transaction"), purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges and a transaction finance charge for each balance transfer, cash advance, or check transaction.. in the amounts stated in your Cardmember Agreement as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your dally balance to get the beginning balance lot the next day. (If more than one daily periodic rate could apply based on the average dally balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the belling cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges lot all features, To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each leature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together.. the total will also equal the periodic finance charges for the billing cycle. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average dally balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction. fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances.. check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong. or if you need more information about a transaction on your bill, write Customer Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error Describe the error and explain, it you can, why you believe there is an error If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do riot apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MAI 11408 Payment Due Date New Balance Past Due Amount Minimum Payment I 07103109 $8,152.58 $0.00 $163.00 Account number: 4325 1570 0250 8651 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 432515700250865100016300008152580000007 05537 9EX 9 16409 D ELIZABETH J GRIFFIN 323 W 1ST ST BOILING SPRGS PA 17007-9450 ?uf?l?u r?I?rrr??lrr?rn?lr?nr?nlr?r?r ??unrlrlu??nr?r?? I: S000 L60 281: 2S 2 ?00 2 S086 S i Sill Statement Date: CHASE O 05/14/09 - 06/13/09 Minimum Payment: $163.00 Payment Due Date: 07103/09 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 ACCOUNT SUMMARY VISA Account Number: 4325 1570 0250 8651 Previous Balance $8,128.59 Total Credit Line $9,100 Finance Charges +$23.99 Available Credit $947 New Balance $8,152.58 Cash Access Line $9,100 Available for Cash $947 Manage your account online: www.chase.com/crtLc cards Additional contact information conveniently located on reverse side REWARDS SUMMARY Previous Points Balance 4,915 To redeem your points, call 1-800-603-2265 or Points Earned On Purchases 0 log on to vvww.chase.com/creditcards. Points Expired This Period 0 Current Points Total 4,915 52 Points Due To Expire on Statement in October, 2009 Congratulations! You have enough points to redeem. Log on now to www.chase.com/creditcards to see the complete selection of gift cards/gift certificates and to redeem. 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 Charge Fin Charge CHARGES Purchases V.00890% 3.25% $5,632.70 $15.54 $0.00 $0.00 $15.54 Cash advances V .05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .00890% 3.25% $69.97 $0.19 $0.00 $0.00 $0.19 Promotional summary .01093% 3.99% $628.66 $2.13 $0.00 $0.00 $213 Promotional summary .01093% 3.99% $1,808.90 $6.13 $0.00 $0.00 $6.13 Total finance charges $23.99 Effective Annual Percentage Rate (APR): 3.53% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Get unlimited local & long distance calling with Vonage for the low price of $24.99/Month. 25 great features @ no extra cost. High speed Internet required. See Vonage.com/911. For details call Vonage at 888-589-3608. Identify yourself as a Chase Cardmember (this is NOT a Chase customer service #). Limited time offer on British Airways... Save $100'r/t. Book a round-trip flight on British Airways worldwide in World Traveller Plus or World Traveller between Mar 23- Aug 31, 2009. Visit ba.com/chase100 to book your flight. Offer ends June 30, 2009. ' Terms & conditions apply. 0000001 FIS33338 D 12 000 Y 9 13 09/06/13 Page 1 of 1 05686 MAMA 05537 16310000120000553701 X 0371 INS13894 INS13877 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------------------------- City . ------------------ State -- Zip: ----- ---- Home Phone. --- --- ---- Work Phone. --- --- ---- E-mail Address --------------- L i? To contact us regarding your account: O Telephone: In n U.S. 1-800-945-2000 ' Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: visit our website: TDD 1-800-955-8060 Pay by phones-800-436-7958 P.O. Box 15298 P.O. Box 15153 www_chase.cornlcrgditcards i Outside U.S. call collect N4lmington, DE 19850-5 298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account Crediting of Payments: For payments by regular U.S mail, send at least your minimum payment due to our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window. the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. II your payment is in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our Payments address on this statement we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 100 p.m local time at our Payments address on this statement, we will credit it to your account as of the next day. It you do not follow our payment instructions or if your payment is not sent by regular U.S mail to our Payments address, crediting of your payment may be delayed tot up to 5 days. Payments made electronically through our automated telephone service.. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report . If you think we have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check, you authorize is either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the Customer Service number on this statement it you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other Corm of payment that you send us for less than the full balance die that is marked "paid in full" or contains a similar natation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, PO Box 15049. Wilmington. DE 19850-5049 We reserve all our rights regarding these payments (e.g., it it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe ally remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the regular Payments address shown on this statement Annual Renewal Notice: If your account has an annual fee. it will he billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non- refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual tee is charged and at the same time. you pay yo it outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. It your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.,balance transfer/convenience checks and cash advance checks ('check transaction"), purchases, balance transfers, cash advances. promotional balances or overdraft advances) These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic trance charges. and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee Ora later date of our choicel. Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your dally balance to get the beginning balance for the next day. if more than ore daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day ) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Customer Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information- s Your name and account number • The dollar amount of the suspected error Describe the error and explain, if you can, why you believe there is an error. It you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill ;hat are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or it we mailed you the advertisement for the property or services. MAI114a9 Payment Due Date New Balance Past Due Amount Minimum Payment 1 08107109 $8,253.84 $163.00 $346.00 Account number: 4325 1570 0250 8651 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 432515700250865100034600008253840000003 05656 aEX 9 19409 D ELIZABETH J GRIFFIN 323 W 1ST ST BOILING SPRGS PA 17007-9450 Irrrllirlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrlr?rllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1rrrllLrrIIIr.r11,.,IrrJLirrrlrrl,Irlrllrrrr,IrL,ILrrL11 I: 5000 L60 2131: 2S 2 700 2 508 6 5 L 511' Statement Date. CHASE O 06114109-07/13/09 Minimum Payment: $346.00 Payment Due Date: 08107109 ACCOUNT SUMMARY VISA Account Number: 43251570 0250 86511 Previous Balance $8,152.58 Total Credit Line $9,100 Purchases, Cash, Debits +$39.00 Available Credit $846 Finance Charges +$62.26 Cash Access Line $9,100 New Balance $8,253.84 Available for Cash $0 Manage your account online: w.yw.chase comkreditcards Additional contact information conveniently located on reverse side The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. REWARDS SUMMARY Previous Points Balance 4,915 Congratulations! You have earned enough Points Earned On Purchases 0 points to redeem for a $25 gift certificate or Points Expired This Period 0 even a statement credit. Log onto Current Points Total 4,915 www.chase.com/rewards to see your reward options! 52 Points Due To Expire on Statement in October, 2009 Your Free Cash credit card earns 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through www.chase.com/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or just check out new offers at www.chase.com/rewards. ACCOUNT ACTIVITY Date of Transaction Merchant Nam or Transaction Description Amount 07/03 LATE FEE 39.00 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 .02532% 9.24% $5,675.81 $43.11 $0.00 $0.00 $43.11 Cash advances V .05271 % 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .02532% 9.24% $2,521.13 $19.15 $0.00 $0.00 $19.15 Total finance charges $62.26 Effective Annual Percentage Rate (APR): 9,24% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Discover your favorite Starbucks Vivanno Smoothie! They come in three fantastic flavors: Orange Mango Banana, Banana Chocolate 8 Strawberry Banana Each contains 280 calories or less, has great nutritional benefits and tastes sensational! 0000001 FIS3333B D 13 000 Y 5 13 09107113 Page 1 of 1 05686 MA FAA 05656 19410000130000565601 X 0371 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. -------------------------- City ------------------ ate -- Zip ----- - '-- Home Phone: --- --- ---- Work Phone. --- --- ---- E-mail Address: --.---.------------------------ To contact us regarding your account: By Telephone: In U.S. 1-800-945-2000 9 X71 CV .l _ U Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TOO 1-900-955-6060 Pay by phonel-800-436-7958 P.O. Box 15298 P.O. Box 15153 wwvw.chase.war/er ditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account Crediting of Payments: for payments by regular U.S mail, send at least your minimum payment due to our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S financial institution or the U S. branch of a foreign financial institution. Do not send cash Write your account number on your check or money order. Payments must be, accompanied by the payment coupon in the envelope provided with our address visible through the envelope window: the envelope cannot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available o us on any day except December 25 by 1:00 p.m local time at our Payments address on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with out payment instructions, but is made available to us after 1:D0 p.m. local time at our Payments address on this statement, we will credit it to your account as of the next day. If you do not fallow our payment instructions or if your payment is not sent by regular U.S mail to our Payments address, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service.. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in yaa credit report It you think we have reporteo inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information Irom your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. and you wip not receive your check back from your financial institution. Call the Customer Service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full' or contains a similar notation, or that you otherwise tender in lull satisfaction of a disputed amount, must be sent to Card Services, P 0 Box 15049, Wilmington. DE 19850-5049. We reserve all our rights regarding these payments (e.g., it it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the regular Payments address shown on this statement. Annual Renewal Notice: If your account has an annual fee, it will be cited each year or in monthly installments. whether or not you use your account and you agree to pay it when billed. The annual fee is non- refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time. you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. It your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges. using the applicable periodic rates shown on this statement, separately for each feature (e.g.,balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a'V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance. or check transaction, in the amounts stated in your Cardmember Agreement as amended' To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your dally balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day ) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance. we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle.. except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, rash advances check transactions. or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or it you need more information about a transaction on your bill, write Customer Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error- If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do hot apply if we own or operate the merchant, or if we mailed you the advertisement tar the property or services. MAI 11408 Payment Due Date New Balance Past Due Amount Minimum Payment 09107109 $8,505.90 $346.00 $683.00 Account number: 43251570 0250 8651 • Make your check payable to: Chase Card Services. Please write amount enclosed. New address or a-mail? Print on back. 432515700250865100068300008505900000002 05382 3Ex 9 22509 D Irrr Il lrlrrlrrlrlrrlr rllrrrlrlrrr r11 r1 rlrrr 11rr1 rlrrr 11rr11rl ELIZABETH J GRIFFIN 323 W 1ST ST CARDMEMBER SERVICE BOILING SPRGS PA 17007-9450 PO BOX 15153 WILMINGTON DE 19886-5153 irrrlll...III..rilrr,Ir.rllrfrr,IrrI.I.11110.... I. rr11 rr.1.11 is 5000 ¦ 60 281: 2 5 2 700 2 508 6 S i Slim Statement Date: CHASE 07/14/09 - 08/13/09 tlfft Manage your account online: wu?w.cha_se. com/creditcards Minimum Payment: $683.00 Payment Due Date: 09107109 Additional contact information conveniently located on reverse side ACCOUNT SUMMARY VISA Account Number: 4325 1570 0250 8651 Previous Balance $8,253.84 Total Credit Line $9,100 Purchases, Cash, Debits +$39.00 Available Credit $594 Finance Charges +$213.06 Cash Access Line $9,100 New Balance $8,505.90 Available for Cash $0 Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today. The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. REWARDS SUMMARY Previous Points Balance 4,915 Thank you for using the credit card that earns Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Unavailable for Redemption 4,915 cards, cash or statement credits. Remember, Points Expired This Period 0 you can earn points by using your Free Cash Current Points Total 0 credit card for your everyday purchases like gas and grocery purchases. 52 Points Due To Expire on Statement in October, 2009 Your Free Cash credit card earns 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through www,chase.com/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or just check out new offers at . www.chase.com/rPwards ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 08/07 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 Charge Fin Charge CHARGES Purchases V.08216% 29.99% $5,802.73 $147.79 $0.00 $0.00 $147.79 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.08216% 29.99% $2,562.47 $65.27 $0.00 $0.00 $65.27 Total finance charges $21106 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Please note you have a new payment due date that has been extended to give you more time to pay. The new payment due date is reflected on this statement. If you prefer to select a payment due date that better meets your needs, please call Customer Service. 0000001 F1533338 D !0 DOD Y 9 13 09108113 Page 1 of 1 05686 MAMA 05382 2251 D000100000538201 X 0:371 IN513997 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------.------------------- City - --------------- - - Stale -- Zip ----- ---- Home Phone. --- --- ---- Work Phone: --- --- ---- E-mail Address --.--------------------------- To contact us regarding your account: By Telephone: O In U.S. 1-800-945-2000 ' `\ II M Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TDD 1-800-955-8060 Pay by phone 1-800436-7958 P.O. Box 15298 P.O. Box 15153 www.Chase . comlcreditcards Outside U.S. call collect Nlmington, DE 19850-5298 Wilmington, OE 19886-5153 1-302-594-8200 Information About Your Account Crediting at payments: For payments by neqular U.S mail, send at least your minimum payment due to our Payments address shown an this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a J S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window, the envelope cannot contain more than one payment or coupon: and there can be no staples paper clips, tape or correspondence included with your payment. If your payment 1s in accordance with our payment instructions and is made available o is on any day except December 25 by 1:00 p m. local time at our Payments address on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m local time at our Payments address on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our Payments address, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report. If you think vie have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. and you will not receive your check back from your financial institution. Call the Customer Service number on this statement it you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid in full' or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P 0 Box 15049 Wilmington. DE 19850-5049 We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance), We may refuse to accept any such payment by returning it to you. not cashing it or destroying it All other payments that you make should be sent to the regular Payments address shown on this statement Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay it when billed. The annual fee is non- refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full Your payment of the annual fee does rot affect our rights to close your account and to limit your right to make transactions on your account. It your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.,balance transfer/convenience checks and cash advance checks (' check transaction' ), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a "V° next to a periodic rate on this statement. that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges.. and a transaction finance charge for each balance transfer, cash advance. or check transaction in the amounts stated in your Cardmember Agreement as amended To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your dally balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). 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 periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the bitting cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges an new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There 1s no grace period for balance transfers, cash advances. check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Customer Service on a separate sheet at P 0 Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. It you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong To stop the payment, your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 mites of your mailing address. These limitations do riot apply if we own or operate the merchant, or if we mailed you the advertisement for the properly or services. MA111408 Payment Due Date New Balance Past Due Amount Minimum Payment 1 10108109 $8,764.46 $683.00 $1,029.00 Account number: 4325 1570 0250 8651 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 43251570025086510010290000876446000000000000009 05859 aEX 9 25609 D ELIZABETH J GRIFFIN 323 W 1ST ST BOILING SPRGS PA 17007-9450 I...I1lr1111111111,1III1 111.111I111.1.14t1111111111IIII111111 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 I11.It too 111111.111111...It.In1{u{1{111111111111111111.11111 1:5000 i60 281: 2 5 2 700 2 5086 5 L 511' Statement Date: CHASE 08/14/09 - 09/13!09 ? Manage your account online: www. chase. com/creditcards Minimum Payment: $1,029.00 Payment Due Date: 10/08/09 Additional contact information conveniently located on reverse side ACCOUNT SUMMARY Account Number: 4325 1570 0250 86511 Previous Balance $8,505.90 Total Credit Line $9,100 Purchases, Cash, Debits +$39.00 Available Credit $335 Finance Charges +$219.56 Cash Access Line $9,100 New Balance $8,764.46 Available for Cash $0 The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today. REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Unavailable for Redemption 4,915 cards, cash or statement credits. Remember, Points Expired This Period 0 you can earn points by using your Free Cash Current Points Total 0 credit card for your everyday purchases like gas and grocery purchases. 52 Points Due To Expire on Statement in October, 2009 Your Free Cash credit card earns 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through www.chase.com/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or just check out new offers at www.chase.com/rewards. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 09/07 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 Charge Fin Charge CHARGES Purchases V .08216% 29.99% $5,991.84 $152.61 $0.00 $0.00 $152.61 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,628.55 $66.95 $0.00 $0.00 $66.95 Total finance charges $219.56 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. 0000001 FIS33338 D 1C 000 Y 9 13 09109113 Page 1 oft 05686 MAMA 05859 25610000100000585901 X 0371INS14030 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. -------------------------- City ------------------ State -- Zip. ----- ---- Home Phone --- --- ---- Work Phone. --- --- ---- E-mail Address. ----------------------- L To contact us regarding your account: O By Telephone: In 11.5. 1-800-945-2000 ' C?1 Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TOD 1-800-955-8060 Pay by phone 1-800-436-7958 P.O. Box 15298 P.O. Box 15153 www. chase.comlcreditc_ards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 Information Abdul Your Account Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S financial institution or the U S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window{ the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available o us on any day except December 25 by 1:00 p.m. local time at our Payments address on this statement we will credit the payment to your account as of that day. It your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our Payments address on this statement, we will credit it to your account as of the next day. It you do not follow our payment instructions or if your payment is not sent by regular U.S mail to our Payments address, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report . If you think we have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the Customer Service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satistactior of a disputed amount, must be sent to Card Services, P 0 Box 15049 Wilmington. DE 19850-5049 We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you.. not cashing it or destroying it. All other payments that you make should be sent to the regular Payments address shown on this statement. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or rot you use your account. and you agree to pay it when billed. The annual fee is non- refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does riot affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.,balance transfer/convenience checks and cash advance checks ('check transaction"), purchases, balance transfers cash advances. promotional balances or overdraft advances) These calculations may combine different categories with the same daily periodic rates. tf there is a' V'• next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance. or check transaction, in the amounts stated in your Cardmember Agreement as amended. To get the daily balance for each day of the current billing cycle, vie take the beginning balance for each feature, add any new transactions or other debits (including fees. unpaid finance charges and other charges). subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee ore later date of our choice) Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. .A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day ) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). 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 periodic finance charges for the billing cycle, except for minor variations due to rounding To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 28 days): We accrue periodic finance charges on a transaction. fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need mom information about a transaction on your bill, write Customer Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating. but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant. you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Mn 111408 Payment Due Date New Balance Past Due Amount Minimum Payment 11107109 $9,022.27 $1,029.00 $1,377.00 Account number: 4325 1570 0250 8651 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 43251570025086510013770000902227000000000000006 03127 BEX 9 28609 D ELIZABETH J GRIFFIN 323 W 1ST ST BOILING SPRGS PA 17007-9450 Irrrlllrirrlrrlfirrlrrltrrrlrirrrrlirlrlrrrilrrlflrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 luf{{{nr{{{nrl{urtnf{{r{urlu{rl rlf{{wu{r{u{{rn{r{{ 1: 5000 i 60 281: 2 5 2 700 2 508 6 5 1511' Statement Date: CHASE 09/14/09 - 10/13/09 ? Manage your account online: wv+w,eh ase. corn/creditcards Minimum Payment: $1,377.00 Payment Due Date: 11/07/09 Additional contact information ACCOUNT SUMMARY Account Number: 4325 1570 0250 8651 conveniently located on reverse side Previous Balance $8,764.46 Total Credit Line $9,100 Purchases, Cash, Debits +$39.00 Available Credit $77 Finance Charges +$218.81 Cash Access Line $9,100 New Balance $9,022,27 Available for Cash $0 You haven't made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1-800-955.8030 (collect 1-302-594-8200) today. REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Unavailable for Redemption 4,863 cards, cash or statement credits. Remember, Points Expired This Period 52 you can earn points by using your Free Cash Current Points Total 0 credit card for your everyday purchases like gas and grocery purchases. 53 Points Due To Expire on Statement in November, 2009 Your Free Cash credit card earns 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through www.chase.oom/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or just check out new offers at www,chase.com/rewards, ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 10/08 LATE FEE 39.00 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% $6,182.27 $152.38 $0.00 $0.00 $152.38 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V 08216% 29.99% $2,695.22 $66.43 $0.00 $0.00 $66.43 Total finance charges $218.81 Effective Annual Percentage Rate (APR): 29,99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. 0000001 FIS33336 0 9 000 Y 9 13 09110113 Page i of 1 05686 MAMA 03127 28610000090000312701 X 0371 Address Change Request Please provide information below only if the address information on front is incorreCt. Street Address: -----------.--------------- City ------------------ State -- Zip. ----- ---- Home Phone: --- --- ---- Work Phone. --- --- ---- E-mail Address: --.----------------------- L To contact us regarding your account: Telephone: In In U.S. 1-800-945-2000 ' X71 L"?J Espanol 1-888-446-3308 TDD 1 -800-955-8060 Pay by phone t-800-436-7958 Outside U.S. call collect Send Inquiries to: P.O. Box 15298 Wilmington, DE 19850-5 Mail Payments to: P.O. Box 15153 298 Wilmington. DE 19886-5153 Visit Our Website: wv_aw.chase. com/cr¢ditcards 1-302-594-8200 Information About Your Account Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a 11.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope windown the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment. It your payment is in accordance with our payment instructions and is made available o is on any day except December 25 by 1:00 p m. local time at our Payments address on this statement. we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our Payments address on this statement, we will credit it to your account as of the next day. It you do not follow our payment instructions of if your payment is not sent by regular U.S. mail to our Payments address, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information abort your account to credit bureaus. Late payments, missed payments orother defaults on your account may be reflected in your credit report. It you think vie have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information Iron your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the Customer Service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked 'paid in full' or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P 0 Box 15049. Wilmington DE 19850-5049 We reserve all our rights regarding these payments (e.g., it it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it or destroying it All other payments that you make should be sent to the regular Payments address shown on this statement Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account and you agree to pay it when billed. The annual fee is non- refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. It your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.,balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a'V" next to a periodic rate on this statement, that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance, or check transaction.. in the amounts stated in your Cardmember Agreement. as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice) Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature. we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (It more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges lot all features. To determine an average daily balance. we add your daily balances and divide by the number of the days in the applicable billing cycle(s) If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances. check transactions. or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write Customer Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your fetter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or it we mailed you the advertisement for the property or services. MAT 11408 Payment Due Date New Balance Past Due Amount Minimum Payment 1 12108109 $9,294.11 $1,377.00 $1,741.00 Account number: 4325 1570 0250 8651 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or a-mail? Print on back. 43251570025086510017410000929411000000000000007 01531 BEx 9 31709 D ELIZABETH J GRIFFIN 323 W 1 ST ST BOILING SPRGS PA 17007-9450 Irr,Illrlrrlrrlrlrrlrfllrlrlrirr,rllflrl,rrllrrlflr,rllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 lu rlllrnillnrllurln111rlurlulrl rl111wulrl ullr nlrll C 5000 i 60 28l: 2 5 2 700 2 508 6 5 i 5ils Statement Date: CHASE O 10/14/09-11/13/09 ? Manage your account online: www. chase_com/creditcards Minimum Payment: $1,741.00 Payment Due Date: 12/08/09 Additional contact information ACCOUNT SUMMARY Account Number: 4325 1570 0250 8651 conveniently located on reverse side Previous Balance $9,022.27 Total Credit Line $9,100 Purchases, Cash, Debits +$39.00 Available Credit $0 Finance Charges +$232.84 Cash Access Line $9,100 New Balance $9,294.11 Available for Cash $0 It's not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be right for you. Call 1-888-792-7547 (collect 1-302-594-8200) today. REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Forfeited This Period 4,863 cards, cash or statement credits. Remember, Points Expired This Period 0 you can earn points by using your Free Cash Current Points Total 0 credit card for your everyday purchases like gas and grocery purchases. Your Free Cash credit card earns 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through www.chase.com/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or just check out new offers at www.chase.com/ri3wards. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description. Amount 11/08 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 Charge Fin Charge CHARGES Purchases V .08216% 29.99% $6,378.32 $162.45 $0.00 $0.00 $162.45 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,763.58 $70.39 $0.00 $0.00 $70.39 Total finance charges $232.84 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other importan t information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Chase Gift Cards, The Perfect Gift! Available in any amount from $25 to $500. Accepted at millions of locations worldwide. Order online at chase.com/GiftCardOrder or stop by a Chase Branch today! 0000001 FIS33338 0 13 000 V 5 13 09111113 Page 1 off 05686 MAMA 01531 31710000130000153101 X 0371INS14309 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. -------.------------------- City ------------------- Stale -- Zip. ----- ---- Home Phone. --- --- ---- Work Phone: --- --- ---- E-mail Address. ------.----------------------- To contact us regarding your account: By Telephone: O In U.S. 1-800-945-2000 C?J Espanol 1-888-046-3308 TDD 1 -800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website: Pay by phonel-600436-7958 P.O. Box 15298 P.O. Box 15153 www.chase.com/creditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account Crediting of Payments: For payments by regular U.S mail, send at least your minimum payment due to our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial instihnion. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window. the envelope cannot contain more than one payment or coupon, and there can be no staples, paper clips, tape or correspondence included with your payment It your payment is in accordance with our payment instructions and is made available o us on any day except December 25 by 1:00 p.m. local time at our Payments address on this statement. we will credit the payment to your account as of that day, If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m local time at our Payments address on this statement, we will credit it to your account as of the next day. It you do not follow our payment instructions or if your payment is not sent by regular U.S mail to our Payments address, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service.. Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report. If you think vie have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer. funds may be withdrawn from your account as soon as the same day we receive your payment. and you will not receive your check back from your financial institution. Call the Customer Service number on this statement if you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full' or contains a similar natation. or that you otherwise tender in lull satisfaction of a disputed amount, must be sent to Card Services, P 0 Box 15049. Wilmington. DE 19850-5049. We reserve all our rights regarding these payments {e.g., it 11 is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance), We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the regular Payments address shown on this statement. Annual Renewal Notice: If your account has on annual fee. it will be billed each year or in monthly installments. whether or not you use your account and you agree to pay it when billed. The annual fee is non- refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.,balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances) These calculations may combine different categories with the same daily periodic rates. If there is a "V" next to a periodic rate on this statement. that rate may vary, and the index and margin used to determine that rate and its corresponding APR are described in your Cardmember Agreement. as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance, or check transaction. in the amounts stated in your Cardmember Agreement as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges) subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's dairy balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day ) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the avetage daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding Grace Period (at least 20 days): We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think ycur bill is wrong, or if you need more information about a transaction on your bill, write Customer Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so wilt not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. It you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, vie cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in goad faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do riot apply if we own or operate the merchant, or it we mailed you the advertisement for the property, or services. MAI+1408 Payment Due Date New Balance Past Due Amount Minimum Payment 1 01107110 $9,605.07 $1,741.00 $2,109.00 Account number: 4325 1570 0250 8651 Make your the rv payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 43251570025086510021090000960507000000000000007 03316 BEX 9 34709 0 ELIZABETH J GRIFFIN 323 W 1 ST ST BOILING SPRGS PA 17007-9450 Irrrlllrlrrlrrlrlrrirrlllrrlrlrrrrllrlrlrrrllrririrrrllrrllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 {nr{{{nr{{{ur{{nrlnrl{r{nr{u{rlrlr{Innr{r{ullnr{r{I 1: 5000 160 2B1: 2 5 2 700 2 508 6 5 1511• Statement Date: CHASE 11/14/09 - 12/13!09 rMIFN Manage your account online: vv+w. chase. com/creditcards Minimum Payment: $2,109.00 Payment Due Date: 01/07/10 Additional contact information ACCOUNT SUMMARY Account Number: 4325 1570 0250 8651 conveniently located on reverse side Previous Balance $9,294.11 Total Credit Line $9,100 Purchases, Cash. Debits +$78.00 Available credit $0 Finance Charges +$232.98 Cash Access Line $9,100 New Balance $9,605.07 Available for Cash $0 You haven't made the required payments and your credit card account is 150 days past due. You can still turn things around. Call us today at 1-888-792-7547 (collect 1-302-594-8200) so that we can find a solution for your situation. REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Expired This Period 0 cards, cash or statement credits. Remember, Current Points Total 0 you can earn points by using your Free Cash credit card for your everyday purchases like gas and grocery purchases. Your Free Cash credit card earns 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through www.chase.com/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or just check out new offers at www.chase. comtrewards. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 12/08 LATE FEE 39.00 11/15 OVERLIMIT FEE 39.00 FINANCE CHARGES _ Finance Charge Transaction Daily Periodic Rate Conesp. 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% $6,617.95 $163.12 $0.00 $0.00 $163.12 Cash advances V .08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,833.68 $69.84 $0.00 $0.00 $69.84 Total finance charges $232.96 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. 0000001 RS33336 n fi 000 Y 9 13 09112113 Page 1 of 1 05686 MAMA 03316 34710000060000331601 X 0371 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. ------------------------ City ---- State -- Zip ----- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address ------------------- L To contact us regarding your account: By Telephone: O In U.S. 1-800-945-2000 7 >_ I C?1 I /a, Espanol 1-888-446-3308 Send inquiries to: Mail Payments to: Visit Our WebsiW TDD 1-800-955-8060 Pay by phonel-800-436-7958 F.O. Box 15298 P.O. Box 15153 wmw.chaseyom/creditcards Outside U.S. call collect Wilmington, DE 19850-5 298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account Crediting of Payments: For payments by regular U.S. mail, send at least your minimum payment due to our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window. the envelope cannot contain more than one payment or coupon: and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available o us on any day except December 25 by 1:00 p.m. local time at our Payments address on this statement. we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 1:00 p.m. local time at our Payments address on this statement, we will credit it to your account as of the next day. It you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our Payments address, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors. or our web site will be subject to any processing times disclosed for those payments. Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report . It you think we have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check. you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic toad transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. and you will not receive your check back from your financial institution. Call the Customer Service number an this statement it you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full' or contains a similar natation, or that you otherwise tender in lull satisfaction of a disputed amount, must be sent to Card Services, P 0 Box 15049, Wilmington, DE 19850-5049 We reserve all our rights regarding these payments If it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you. not cashing it or destroying it. All other payments that you make should be sent to the regular Payments address shown on this statement. Annual Renewal Notice: It your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account. and you agree to pay it when billed. The annual fee is non- refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. It your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic f finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g.balance transfer/convenience checks and cash advance checks ("check transaction"), purchases, balance transfers, cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. It there is a "V" next to a periodic rate on this statement. that rate may vary, and the index and margin used to determine that rate and its corresponding APR are describes in your Cardmember Agreement, as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic Prance charges, and a transaction finance charge for each balance transfer, cash advance, or check transaction, in the amounts stated in your Cardmember Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are pasted to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average dally balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day.) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average dally balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable 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 will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (at feast 20 days): We accrue periodic finance charges on a transaction. fee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and lime your payment was due. There is no grace period for balance transfers, cash advances, check transactions, or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or it you need more information about a transaction on your bill, write Customer Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. it you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can slop the payment an any amount you think is wrong. To stop the payment. your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check), and you have tried in goad faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MAI114oe Payment Due Date New Balance Past Due Amount Minimum Payment 1 02107110 $9,931.97 $2.109.00 $2,496.00 Account number: 43251570 0250 8651 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 43251570025086510024960000993197000000000000007 01642 BEX 9 01310 0 ELIZABETH J GRIFFIN 323 W 1ST ST BOILING SPRGS PA 17007-9450 I..rlllrrrlllrrrllrrrl,rrlirlrrrlrrlrirlrlirrrrrlri,rllrrrirll I: 5000 i 60 281: CHASE Q Irrrillrlrrlrrlrlrrlrrllrrrlrlrrrrllrl,Irrrllrrlrlrrrll,rllrrl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 2S 2 700 2 5086 5L51t' Statement Date: 12/14/09 - 01/13/10 Manage your account online: www.chase . com/creditcards Minimum Payment: $2,496.00 Payment Due Date: 02/07110 Additional contact information ACCOUNT SUMMARY Account Number: 4325 1570 0250 8651 conveniently located on reverse side Previous Balance $9,605.07 Total Credit Line $9,100 Purchases, Cash, Debits +$78.00 Available Credit $0 Finance Charges +$248.90 Cash Access Line $9,100 New Balance $9,931.9% Available for Cash $0 The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit bureau will be updated with a negative rating trat could last for up to seven years. We can still help, but you need to call us now at 1-888-792-7547 (collect/-302-594-8200). REWARDS SUMMARY Previous Points Balance 0 Thank you for using the credit card that earns Points Earned On Purchases 0 rewards that can be used for your choice of gift Points Expired This Period 0 cards, cash or statement credits. Remember, Current Points Total 0 you can earn points by using your Free Cash credit card for your everyday purchases like gas and grocery purchases. Your Free Cash credit card earns 1 point for every eligible $1 you spend on purchases. Earn additional points - as much as 10 points per $1 shopping online through www.chase.com/rewardsplus. Add authorized users, and sign up to have your monthly bills charged to your card. Why not get points for all those purchases too? Redeem your points anytime, or just check out new offers at www.chase.com/rpwards. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Descri tion Amount 01/07 LATE FEE 39.00 1204 OVERLIMIT 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 Charge Fin Charge CHARGES Purchases V .08216% 29.99! $6,867.14 $174.90 $0.00 $0.00 $174.90 Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .08216% 29.99% $2,905.56 $74.00 $0.00 $0.00 $74.00 Total finance charges $248.90 Effective Annual Percentage Rate (APR)_ 29.99% Please see Information About Your Account section for balance computation method, grace period, and other importan t information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Try T.rrboTax Free Edition for your simple return or Get a 35 percent Discount on TurboTax Online Federal Products. visit chase.com/taxes 0000001 FIS33338 0 B 000 Y S 13 90101113 Page 1 of 1 05686 MAMA 01642 01310000080000164201 X 0371 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------.------------------- City -------.----------- -- State Zip. ----- ----- Home Phone. --- --- ---- Work Phone: --- --- ---- E-mail Address -.---------------------------- L To contact us regarding your account: Telephone: In In LLS. 1-800-945-2000 ? /U, , U Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TOO 1-800-955-8060 Pay by phone l-800-4 36-7958 P.O. Box 15298 P.O. Box 15153 www chase.comicr0-ilicards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account Crediting of Payments: For payments by regular U.S mail, send at least your minimum payment due to.our Payments address shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order. payable in U.S. Dollars, and drawn on or payable through a U.S financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window the envelope cannot contain more than one payment or coupon, and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance with our payment instructions and is made available o us on any day except December 25 by 1:00 p.m. local time at our Payments address on this statement we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions, but is made available to us after 100 p.m local time at our Payments address on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our Payments address, crediting of your payment may be delayed for up to 5 days. Payments made electronically through our automated telephone service, Customer Service advisors, or our web site will be subject to any processing times disclosed for those payments Account Information Reported to Credit Bureaus: We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report If you think we have reported inaccurate information to a credit bureau, you may write to us at the Inquiries address shown on this statement. Notice About Electronic Check Conversion: When you pay by check, you authorize us either to use information from your check to make a one-time efertrenic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your institution. Call you will not receive ur check k from nl the Customer Service number cn this statement f you have questions about electronic check collection or do not want your payments collected electronically. Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services, P 0 Box 15049 Wilmington. DE 19850-5049. We reserve all our rights regarding these payments (e.g., if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance) We may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the regular Payments address shown on this statement. Annual Renewal Notice: If your account has an annual fee, it will be billed each year or in monthly installments. whether or notyou useyour account and you agree to pay it when billed. The annual fee is non- refundable unless you notify us that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to make transactions on your account. It your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each feature (e.g..balance transfer/convenience checks and cash advance checks ('check transaction"), purchases, balance transfers. cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily periodic rates. If there is a `W next to a penodic rate on this statement, that rate may vary, and the index and margin used to determine that 'ate and its corresponding APR are described in your Cardmember Agreement as amended. There is a minimum finance charge in any billing cycle in which you owe any periodic finance charges. and a transaction finance charge for each balance transfer, cash advance. or check transaction. in the amounts stated in your Cardmember Agreement as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance lot each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any payments or credits, and make other adjustments. Transactions are added as of the transaction date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle. This gives us that day's dairy balance. A credit balance is treated as a balance of zero. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the next day. (If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day ) To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an average daily balance, we add your daily balances and divide by the number of the days in the applicable billing cycle(s). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of days in the applicable billing cycle(s), and then add all of the results together, the total will also equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies. multiply the average daily balance for each feature by the applicable monthly periodic rate and add the results together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Grace Period (al least 20 days): We accrue periodic finance charges on a transaction, lee, or finance charge from the date it is added to your daily balance until payment in full is received on your account. However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive both payment of your New Balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for balance transfers, cash advances.. check transactions. or overdraft advances. BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill: If you think your bill is wrong. or it you need more information about a transaction on your bill, write Customer Service on a separate sheet at P.O. Box 15299 Wilmington, DE 19850-5299 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your fetter, give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. It you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating. but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment. your letter or call (using the Inquiries address or Customer Service telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card (excluding purchases made with a check). and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. MAI 11408 EXh?bit it YY 1 ' I BILL OF SALE, Closine Date: 09/20/2011 CHASE Co Chase Bank USA, N.A. ("Seller"), for value received and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated 12/22/2010 between Chase Bank USA, N.A. and Global Acceptance Credit Company LP ("Purchaser"), its successors and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of the File Creation Date of 09/14/2011 all rights, title and interest of Seller in and to those certain receivables, judgments or evidences of debt described in the Final Data File, entitled (Account's Primary File Name) attached hereto and made part hereof for all purposes. Number of Accounts 10,846 Total Unpaid Balances $59 949,223.29 Premium Due Seller Amounts due to Seller by Purchaser in hereunder shall be paid U.S. Dollars by a wire transfer to be received by Seller on (the "Closing Date") 0/20/2011 by 2:00 p.m. Seller's time, as follows: Chase Bank USA, N.A. ABA Beneficiary Name: Chase Bank USA, N.A. Beneficiary Account: This Hill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement. No other representation of or warranty of title or enforceability is expressed or implied. Cha7 , N.A. Global Acceptance C t Company, 11' By: Terestr Piuxton Date: 09/15,/20.[ Title: Operations Mana2er Sr. _ Date: - q-?_-- -_ - - 1-itlc i? Excerpt from Exhibit 1 CoBrand: CHASE BANK USA, N.A. Account Nos: 4325157002508651 Service Date: 1 /21 /99 Charge Off Date: 1/31/10 Date of Last Payment: 4/29/09 Debtor Last Name: GRIFFIN Debtor First Name: ELIZABETH Debtor Address: 323 WEST 1ST STREET Debtor City: BOILING SPRINGS Debtor State: PA Debtor Zip: 17007 Debtor SS#: none Debtor Home Phone: 717-249-4020 Debtor Bus Phone: Balance: $12,742.57 GLOBAL ACCEPTANCE CREDIT COMPANY, LP 5850 W I-20, SUITE 100 ARLINGTON, TEXAS 76017 ASSIGNMENT AND BELL OF SALE Global Acceptance Credit Company, LP ("Seller") has entered into a Loan Sale Agreement, dated September 23, 2011 ("Agreement") for the sale of Accounts described in Schedule A thereof to Ability Recovery Services, LLC (`Buyer"), upon the terms and conditions set forth in that agreement. NOW THEREFORE, 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 Accounts described in the Agreement, provided however such transfer is made without any representations, warranties or recourse, except as provided in the Agreement. Buyer and Seller agree that the Purchase Price shall be stated in Schedule A, attached to the Agreement. IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 23 d Day of September, 2011. Global Acceptance Credit Company, LP By: 0m,104 Mike Varrichio President/CEO =s 5B5 Aril Agreement: 9/23/2011 Original Creditor: Chase Bank USA Number of Accounts: 320, nutstandina Balance: IN THE COURT OF COMMON OF CUMBERLAND COUNTY, 0T 1 1 F.' PENNSYLVANIA ? ` i?A PP 16 PH r:1, 9 CIVIL DIVISION .,???????AND C grtr PLAINTIFF ABILITY RECOVERY SERVICES, LLC P.O. BOX 4031 WYOMING, PA 18644 NO.: 2012-01929 DEFENDANT ELIZABETH GRIFFIN 323 WEST 1 s STREET BOILING SPRINGS, PA 17007 CERTIFICATE OF SERVICE I, James T. Mulligan, Jr., In-House Counsel for Plaintiff, hereby certifies that I have served a true and correct copy of Complaint, via US First Class Mail, postage prepaid, this date shown below, to the following: Date: ('L l? Joseph P. Murphy, Esq. 310 Grant Street_)-) floor Pittsburgh, PA 15219 Ja e T. Mulligan, Jr., Esq. P. . Box 4031 Wyoming, PA 18644 PA ID # 51794 In-House Counsel for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION ABILITY RECOVERY SERVICES, rn ? rn- =rn -OM C ) Docket No.: 2012-01929 < V. ?- c3 a ELIZABETH GRIFFIN Defendant(s) Praecipe to Strike Appeal TO THE PROTHONOTARY: Kindly strike the Notice of, and Complaint on, Appeal in the above- captioned matter, as follows: 1. This is a Plaintiff's M.D.J. Appeal from the disposition of The Honorable Susan K. Day, dated 2/16/2012 (Exhibit "A"). 2. Pursuant to Pa.R.C.P.M.D.J. §1002(A), "The Prothonotary shall not accept an appeal from an aggrieved party which is presented for filing more than thirty (30) days after the date of entry of judgment without leave of Court and upon good cause shown." (Exhibit "B"). 3. No leave of court was applied for or granted. 4. The 30th day was 3/17/2012, a Saturday. Accordingly neither the 17th nor the 18th (the following Sunday) would have been the last day, rather, the 19tH 5. The docket reflects that the notice of appeal was not filed until 3/26/2012, and thus this entire appeal should have been rejected as untimely. (See Exhibit "C" for docket entry). Respectfully Submitted, .1 Gk?an in -4awow a - Appeal with +?a alwve pr 'pe Dav?a o. usu. ?A k"a uante COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Notice of Judgment/Transcript Civil Case r Mag. Dist. No: MDJ-09-3-03 MDJ Name: Honorable Susan K. Day Address: 229 Mill Street P.O. Box 167 Mount Holly Springs, PA 17065 I Telephone: 717-486-7672 Joseph P. Murphy, Esq. 310 Grant Street, Suite 3309 33rd Floor Pittsburgh, PA 15219 4 Disposition Summary Docket No Plaintiff MJ-09303-CV-0000360-2011 Ability Recovery Services, LLC Elizabeth J. Griffin Ability Recovery Services, LLC V. Elizabeth J. Griffin Docket No: MJ-09303-CV-0000360-2011 Case Filed: 12/9/2011 Disposition Disposition Date Dismissed Without Prejudice 02/16/2012 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENTITRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. of (: a.hy has , ow,Date Magisterial District Judge Susan K. Day copy ng Date Magisterial District Judge EXHIBIT Lk' MDJS 315 Page 1 of 2 Printed: 02/16/2012 3:19:50PM 246 Pa. Code Rule 1002. Time and Method of Appeal. TkA APPEAL Rule 1002. Time and Method of Appeal. Page 1 of 2 A. A party aggrieved by a judgment for money, or a judgment affecting the delivery of possession of real property arising out of a nonresidential lease, may appeal therefrom within thirty (30) days after the date of the entry of the judgment by filing with the prothonotary of the court of common pleas a notice of appeal on a form which shall be prescribed by the State Court Administrator together with a copy of the Notice of Judgment issued by the magisterial district judge. The Prothonotary shall not accept an appeal from an aggrieved party which is presented for filing more than thirty (30) days after the date of entry of judgment without leave of Court and upon good cause shown. B. A party aggrieved by a judgment for the delivery of possession of real property arising out of a residential lease may appeal therefrom within ten (10) days after the date of the entry of judgment by filing with the prothonotary of the court of common pleas a notice of appeal on a form which shall be prescribed by the State Court Administrator, together with a copy of the Notice of Judgment issued by the magisterial district judge. The prothonotary shall not accept an appeal from an aggrieved party which is presented for filing more than ten (10) days after the date of entry of judgment without leave of court and upon good cause shown. Official Note The thirty day limitation in subdivision A of this rule is the same as that found in the Judicial Code § 5571(b), 42 Pa.C.S. § 5571(b), as amended by § 10(67) of the Judiciary Act Repealer Act, Act of April 28, 1978, P. L. 202, No. 53. The ten day limitation in subdivision B of this rule is designed to implement the time for appeal set forth in § 513 of the Landlord and Tenant Act of 1951 (Act No. 1995-33, approved July 6, 1995) (Act No. 1995-33 was suspended by the Pa. Supreme Court on March 28, 1996 by Order of Court insofar as the Act is inconsistent with Rules of Civil Procedure Governing Actions and Proceedings Before District Justices, as adopted by that Order.). The two subdivisions of this rule are intended to clarify that where the right of possession of residential real estate is at issue, the shorter, ten day period for appeal applies; where the appeal is taken from any judgment for money, or a judgment affecting a nonresidential lease, under these rules, the thirty day period of time for appeal applies. A party may appeal the money portion of a judgment only within the thirty day appeal period specified in subsection A of this rule. It is the intent of this rule that no supersedeas under Pa.R.C.P.D.J. No. 1008 shall be issued by the Prothonotary after the ten (10) day period for filing an appeal, unless by order of court. The method of appeal is by filing with the prothonotary a "notice of appeal" on a form to be prescribed by the State Court Administrator. Copies of this same form will be used for service under Pa.R.C.P.M.D.J. No. 1005. This permits use of the same form for filing and service. No useful purpose would be served by having two forms, one called an "appeal" for filing and another called a "notice 44113ITice. http://www.pacode.com/secure/data/246/chapterlOOO/sIO02.html 4/18/2012 16374904042012 Cumberland County Prothonotary's Office Page Civil Case Inquiry 2012-01929 ABILITY RECOVERY SERVICES LLC (vs) GRIFFIN ELIZABETH J Reference No... Filed......... 3/26/2012 Case Type.....: CONTRACT - DEBT COLLEC Time.........: 3:06 Judgment...... .00 Execution Date 0/00/0000 Judge Assigned: Jury Trial.... Disposed Desc.• Disposed Date. 0/00/0000 ------------ Case Comments ------------- Higher Crt 1.: Higher Crt 2.: 1 ******************************************************************************** General Index Attorney Info ******************************************************************************** ABILITY RECOVERY SERVICES LLC P 0 BOX 4031 WYOMING, PA 18644 GRIFFIN ELIZABETH J 323 W 1ST ST BOILING SPRINGS, PA 17007 PLAINTIFF MULLIGAN JAMES T JR PO BOX 264 TAYLOR, PA 18517 DEFENDANT ******************************************************************************** * Date Entries ******************************************************************************** - - - - - - - - - - - - - FIRST ENTRY - - - - - - - - - - - - - - 3/26/2012 APPEAL FROM DISTRICT JUSTICE JUDGMENT - BY MULLIGAN JAMES T JR ATTY FOR APPELLANT - - - - - - - - - - - - - - LAST ENTRY - - - - - - - - - - - - - - ******************************************************************************** * Escrow Information * Fees & Debits Beg Bal Pymts/Adj End Bal ******************************************************************************** APPEAL D.J. 65.25 65.25 .00 TAX ON APPEAL .25 .25 .00 SETTLEMENT 9.50 9.50 .00 AUTOMATION FEE 5.00 5.00 .00 JCP FEE 23.50 ---------- 23.50 ---------- --- .00 --------- ---- 103.50 103.50 .00 ******************************************************************************** * End of Case Information ******************************************************************************** GL"WHF rP F I