HomeMy WebLinkAbout12-2366COMMONWEALTH OF PENNSYLVANIA
COURT OF COtfp VLEAS
C um?^l Goon
JUDICIAL DISTRICT
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.
NAME OF
/`/ 4 6?- m //?t2 s o9 - 3-D
ADDRESS CIF APPELLANT CITY STATE ZP ODE
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arai
DATE r JINC
CASE of r mi //? h//f"
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3 /.7 v2O/ I t?s ec' lOri L LL / A/
CLAIM Na SIGNATURE OF APPELLANT OR His ATTORNEY AGENT
CVO/ s
LT
This block will be signed ONLY when this notation is required under P RCPJA Na If appellant was CLAIMANT (see Pa. R.C.P.J.P. No.
10088.
This Notice of Appeal, when received by the District Justice, will operate as a 1001(6) in action before District Justice, he MUST
SUPERSEDEAS to the judgment for possession in this case. 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).
NOTICE OF APPEAL
FROM
DISTRICT JUSTICE JUDGMENT
' Z '
COMMON PLEAS Me.
PRAECIPE: To
Enter rule upon
appefiW s )
, oppellee(s), to file a complaint in this appeal
service of rule or offer entry of judgment of non pros.
fAr
(Common Pleas Na within twenty (20) days a
signature of appeNant or his attonley or agent
RULE: To PQ ?s)
Name of appettae(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) 9 you do not file a complaint within this time, a JUDGMENT OF 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.,
?• ? / ? odd/? ll
Dare:
ftre of PmUmnomry or Deputy
AOPC 312-90 COURT FILE TO BE FILED WITH PROTHONOTARY
PROOF OF SERVICE OF NOTICE OF APPEAL AND RUNE TO FILE COMPLAINT
(This proof of service MUST BE FILED WITHIN TEfV 10; DAYS A TEP filing fl,,e nof7ce of appeal. Check applicable boxes)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF SS
AFFIDAVIT: 1 hereby swear or affirm tat l servea
a copy of the Notice 'Appeal, Common Pleas No, upon the District justice designated therein os,
(date of service) ® by personal service Q by (certified) (registered) mail, sender's
receipt attached hereto, and upon the appellee. ;name) on
® by personal service ? by (certified) (reggistered) mail, sender's receipt attached hereto.
11 and further that I served the Rule to File a Complaint accompanying the above Notice of Appeal upon the appellee(s) to whore
the Rule was addressed on by personal service P by (certified) (registered}
mail, sender's receipt attached hereto.
SWORN (AFFIRMED) AND SUBSCRIBED BEFORE E
THIS DAY OF
?t'?COTI??Ttl9CJ?V_ CX?ifEl`y,t.3
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COMMONWEALTH OF PENNSYLVANIA Notice of Judgment/Transcript Civil
COUNTY OF CUMBERLAND Case
Mag. Dist. No: MDJ-09-3-04
MDJ Name: Honorable Paula P. Correal
Address: 5275 East Trindle Road
Suite 110
Mechanicsburg, PA 17050
Telephone: 717-697-2201
Heather Williams
218 Indian Creek Drive
Mechanicsburg, PA 17050-2526
Disposition Summary
Docket No Plaintiff Defendant
MJ-09304-CV-0000035-2012 Palisades Collection, LLC 87326 Heather Williams
Judgment Summary
Participant Joint/Several Liability Individual Liability
Heather Williams $0.00 $11,861.06
Palisades Collection, LLC 87326 $0.00 $0.00
Palisades Collection, LLC 87326
V.
Heather Williams
Docket No: MJ-09304-CV-0000035-2012
Case Filed: 2/8/2012
Disposition Disposition Date
Default Judgment for Plaintiff 03/15/2012
Amount
$11,861.06
$0.00
Judgment Detail ('Post Judgment)
In the matter of Palisades Collection, LLC 87326 vs. Heather Williams on 3/15/2012 the disposition is Defa ult Judgment for Plaintiff
and judgment was awarded as follows:
Judgment Component Joint/Several Liability Individual Liability Deposit Applied Amount
Civil Judgment $0.00 $11,712.06 $11,712.06
Costs $0.00 $6.00 $6.00
Filing Fees $O.OQ $143.00 $143.00
Grand Total: $11,861.06
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.
p ¢l.+1::,yo-c
Date Senior Magisterial District Judge Paula P. Correal
certify that this is a true and correct copy o the record o the proceedings containing the judgment.
Date Magisterial District Judge
MDJS 315 Page 1 of 2 Printed: 03/15/2012 3:20:49PM
Palisades Collection, LLC 87326
v.
Heather Williams
Participant List
Plaintiff(s)
Palisades Collection, LLC 87326
c/o Fulton Friedman & Gullace, LLP
130 B Gettysburg Pike
Mechanicsburg, PA 17055
Defendant(s)
Heather Williams --
218 Indian Creek Drive
Mechanicsburg, PA 17050-2526
Complainant's Attorney(s)
David R. Galloway, Esq.
Fulton, Friedman & Gullace, LLP
130 B Gettysburg Pike
Mechanicsburg, PA 17055
Docket No.: MJ-09304-CV-0000035-2012
MDJS 315 Page 2 of 2 Printed: 03/15/2012 3:20:49PM
OF ilfFE?EROTH4NOTARY
1017 APR 18 AM 9 57
PROOF OF SERVICE OF N
L AND RULE TO FILE COMPLAINT
(This proof of service BUST BE FILED WITHIN TEN (10) DAYS AFTER filing the notice of appeal. Check applicable boxes)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OP SS
AFFIDAVIT: I hereby swear or affirm that ( served I
?g a copy of the Notice of Appeal, Common Pleas No. 12 " _ / v ., upon the District Justice designated therein on
(date ofservice) $ .?Ol2 _? y per nal service 51 ?y (cer itf di (;registered) mail, sender's
re eipt at ached hero, and updh the appellee, 'name) _ ?G 9C73 __...__, on
_ personal service ? by (certified) (registered) mail, sender's receipt attached hereto.
? ..1 _A0 El by an further tha I served the Rule o File Complaint accompanying the above Notice of Appeal upon the appellee(s) to whom
the Rule was addressed on _.__ * / ?'2: , f-1 by personal service P( by (certified) (registered)
mail, sender's receipt attached her to.
SWORN (AFFIRMED) AND SUBSCRIBED BEFORE E
fi7f
r_,ao
THIS _ __1 _DAY OF
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My co nnr a /a l«
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CONW*ONWEALTN OF PENNSYLVANIA
COURT OF C LEAS
JUDICIAL DISTRICT
DISTRICT JUSTICE JUDGMENT
COMMON PLEAS No
NOTICE Of APPEAL
Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the District Justice on the
date and in the case mentioned below.
OR NAME OF D1
rtAtaE OF MAG DIST. NQ ,
Al IV/ 1h
CITY STATE Zr CODE
R
i sp IN THE CASE OF (Plaintiff)p Q ( 1
LT
This block will be signed ONLY when this notation is required under P*ArPJP.* No.
10086.
This Notice of Appeal, when received by the District Justice, will operate as a
SUPERSEDERS to the judgment for possession in this case
or
If appellant wils CLAIMANT (seb Pa. R.C.P.J.P. No.
1001(6) in action before District Justice, he MUST
FILE A COMPLAINT within twenty (20) days after
filing his NOTICE of APPEAL.
PRAECiPE TO ENTER RILE TO FILE COWLA T 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.
lF NOT USED, detach from copy of notice of appeal to be served upon appellee).
PRAECIPEt To Prothonotary µ)
Enter rule upon } appellee(s), to file a complaint in this appeal
(Common Pleas '`"l' ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. NcL l ?(-o rt
Soiamwe of ApMwt or his attorney or agent
RULE: To Name of appellees}.
1
(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,& notfile a complaint within this time, a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU.
(3).The#ke
of servke;,af,. ft rule if service was by mail is the date of mailing. ,
Date'
S#wture of HDUtonotary or Deputy
NOTICE OF A AL
FROM
AOPC 312-90 COURT FILE
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Palisades Collection, L.L.C.
assignee of CHASE BANK USA, N.A.
Plaintiff NO. 12- 2366 CIVIL TERM r`
V. CIVIL ACTION - LAW
r lw ::t
HEATHERM WILLIAMS
U)
Defendant(s) -?
NOTICE -- °, i
You have been sued in Court. If you wish to defend against the claims set forth in the fo116wing pages,
you must take action within twenty (20) days after this Complaint and Notice are served, by entering a
written appearance personally or by an attorney and filing in writing with the Court your defenses or
objections to the claims set forth against you. You are warned that if you fail to do so, the case may
proceed without you and a judgment may be entered against you by the Court without further notice
for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or
property 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 HELP. THIS OFFICE CAN PROVIDE YOU
WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO IRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE
YOU WITH INFORMATION A OUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO
ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S BEDFORD ST.
CARLSILE, PA 17013
(717) 249-3166
FFG File # 311952
i
1111111 IIII IINI Ilfll IIIiI IINI Iilll IINI II?III IIII II ilk IIII
PA/PA_NTCDE
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Palisades Collection, L.L.C.
assignee of CHASE BANK USA, N.A.
Plaintiff
V.
HEATHER M WILLIAMS
Defendant(s)
NO. 12- 2366 CIVIL TERM
CIVIL ACTION - LAW
NOTICIA
USTED HA SIDO DEMANDAI?O/A EN LA CORTE. Si usted desea defender conta la demanda
puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despuds que
esta Demanda y Aviso es servid6, con entrando por escrito una aparencia personalmente o por un
abogado y archivando por escrito I con la Corte sus defensas o objeciones a las demandas puestas en
esta contra usted. Usted es adveido que si falla de hacerlo el caso puede proceder sin usted y un
juzgamiento puede ser entrado co to usted por la Corte sin mas aviso por cualquier dinero reclamado
en la Demanda o por cualquier of o reclamo o alivio solicitado por Demandante. Usted puede perder
dinero o propiedad o otros derech6s importante para usted.
UN ABOGADO, VAYA O LL ME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO.
ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN
ABOGADO.
SI USTED NO PUEDE PAG RLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE
INFORMACION ACERCA AG NCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A
PERSONAS ELIGIBLE AQ UN ONORARIO REDUCIDO O GRATIS.
CUIV?BERLAND COUNTY BAR ASSOCIATION
32 S BEDFORD ST.
CARLSILE, PA 17013
(717) 249-3166
FFG File#: 311952
PA/PA_NTCDE
David R. Galloway
Attorney I.D. 87326
FULTON FRIEDMAN & GULLACE, LLP
130B Gettysburg Pike
Mechanicsburg, PA 17055
Direct Dial: 717-610-3337
Counsel for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PALISADES COLLECTION, L.L.C.
assignee of CHASE BANK USIA, N.A.
Plaintiff
V.
HEATHER M WILLIAMS
Defendant
COMPLAINT
NO. 12- 2366 CIVIL TERM
CIVIL ACTION - LAW
AND NOW, comes Plaintiff, by and through its attorneys, FULTON, FRIEDMAN &
GULLACE, LLP, and files thislComplaint and in support avers as follows:
1. Plaintiff is the current owner of, and/or successor to, the obligation sued upon,
and was assigned all rights, title and interest to Defendant's CHASE account
XXXXXXXXXXY-X7863 (hereinafter "the Account"). A copy of Plaintiffs Bill of Sale is
attached hereto as Exhibit "A."
2. Upon information and belief, Defendant HEATHER M WILLIAMS has a last
known address of 218 INDIAN (CREEK DR, MECHANICSBURG PA 17050-2526.
3. Plaintiff's records indicate the Account was opened on August 25, 2005.
4. Upon information and belief, the Account is based on a written credit agreement
entered into between Defendant and the original grantor; as provided to Plaintiff, the material
terms of the agreement applic,
hereto as Exhibit "B."
5. Upon informati
to obtain loans from the on
services and/or cash advances.
6. Plaintiff's recoi
owed on the Account to the de
to accounts issued by CHASE BANK USA, N.A. are attached
and belief, Defendant used or authorized the use of the Account
credit grantor for the purpose of obtaining goods, and/or
indicate Defendant failed to make full payment of the amount
of Plaintiff/Plaintiff's predecessor.
311952
7. Plaintiffs reco#ds indicate the last payment in the amount of $68.20 posted to the
account on or about 08/17/20018.
8. The Account
statements from March 25,
9. Plaintiff has
WHEREFORE, Ple
favor of Plaintiff and against
and any other relief as this Cc
ws Defendant owes a balance of $11,712.06. Copies of monthly
, through March 24, 2009, are attached hereto as Exhibit "C."
med any and all conditions precedent prior to filing this action.
respectfully requests this Honorable Court enter Judgment in
in the amount of $11,712.06, plus costs of this action,
deems just and reasonable.
Respectfully
By: Z'..J
David R. Galloway
311952
VERIFICATION
I verify the facts set forth in this Complaint are true and correct to the best of my
knowledge, information and belief. I understand that false statements herein are made subject to
the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to authorities.
I am authorized tom this verification on behalf of Plaintiff.
9WW"i
Printed Name
R55(S1AV UP 01FRA'l?s.?I/-Dfatdln
Title with Plaintiff 0 f
61 Z I (-A'ri oN
311952
EXHIBIT A
311952
2/46
CHASE
EXHMIT A
DILL OP SALE
Cbasc Bank USA. N.A. (' Seller`?. for value rcccive d arul puesunnt to that terms and conditions
orcredit cad Account se Agreement dried October 8, 2008 between Seller and Palisades
Collection. LLC ("Purchase , its successors and assigns ("Credit Card Account Purclaw
Agreem * - - hmeby assi effective as of tho File Creation Date of October 19, 2009 all rights,
title and interest of Seller in and to those certain receivables, judgments or evidences ofdebt
described in Exblbit I Atached hereto and made pan hereof for all purposes.
Amounts due W Seller by P? rc taser in hemader shall be paid U.S. Dollars by a ewe transfer to
be received by Seller on per 20.2009 (ilia "Closing Date) by 2:00 p.m. Seller's time, as
rollows:
This Bill of Salo is execu without recourse except as stated in the Credit Can! Account
Putchase Ag nien t to wh t this is ao Exhibit. No other represe"i rn of or warranty of title or
enforotability is expressed implied.
Chase Batt .
By. ? .?.._..,..-
Datc:
rifle ?1115i?1.t8. _ ..............
palisrt Co?leetban, LLC
13y:
D MC:
Title _„_
EXHIBIT B
311952
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CHANGE IN TERMS NDTICE ENCWSED - PLEASE READ
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IMPORTANT NOTIC? OF CHANGE IN TERMS
This Change in Terms notice con ns the details of upcoming changes to
your Cardmewmber Agreement re em'). These changes will be
effective the first day of your bklnp that includes Jaeaary 1, 2007,
They will apply to current and fu balances on your account.
Please read this notice careful If you leave questions abort 0, please
contact us at the number on th back of your card.
Summary of Changes:
• In calculating finance charges, he date when transactions are added to
L our daily balances and begin 13 accrue periodic finance charges will
as early as the transaction e
The change described in this notk e will apply to your account
automatically. It you were previou sly notified of the change described in
this notice and it is already in effect on your account it will cone to
apply. Any other terms on your a count not described in this notice also
continue to apply.
Again, please read the encloso information, and keep this notice for
your records.
AMENDMENTS TO YOUR AGR MENT
Please note that some terms in it agreement or any amendment may
= appear with initial capital letters' r all lower case fetters. Such terms have
the same meaning. For example, Account" means the same as 'account
if you have any questions abou these amendmems, please
to call us at the number on the be it of your card.
The following changes will a automatically:
FINANCE CHARGE CALCULATI N. The "Periodic Finance Charge
Calculation" or "Finance Charg Calculation section of your Agreement
is amended to replace, in the po ' n that explains how we calculate the
daily balance for each transacti category or feature, the semencals?
that describes when new transa ' are added to the daily balances
and begin to accrue finance chat Its. The revised terms are as tdknvs:
We arks a new purchase, ca advance, balance transfer or overdraft
advance, if applicable, to the ally balance as of the transaction date,
or a later date of our choice. % is add a new cash advance check or
balance transfer check to the ally balance as of the date the cash
advance check or balance tra sfer check is deposited by a payee, or
a later date of our choice.
GRACE PERIOD. The *Grace P 'od" or 'Grace Period and Accrual of
Franco Charges" section of it Agreement is amended to replace the
sentence that describes when riorkc finance charges begin to accrue
on transactions, fees and other finances charges. The revised sentence
is as follows:
We accrue periodic finance arges an a transaction, fee, or finance
charge from the date it is added to your daily balance until payment in
full is received on your accou it.
INS 12105
ADV2031 11(06
ADV2931,trxp
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Campaign: 1106_Porttotio
Cell 1: NIA
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EXHIBIT C
311952
Statement for account numbw 7863
New Balance Payment Due Date Past Due m Minimum Payment
$7,481.13 11113/07 $0.00 $149.00
3/46 ???? Make your heck payable to Chase Card Services.
Amount Enclosed ?$ New or email? Print on hack.
786300014900007481135492257
24504 8Ex 2 29707 0
HEATHER M WILLIAMS
218 INDIAN CREEK DR
MECHANICSBURG PA 17050.2526
6..IILr.Ii1..nLL?l?nJr6LInJ.L?Ir.nJIInLnILI
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 1988&5153
4500016028e: 1 203LO5693786351ia
Ope g Date: 09/25/07 -10124107 CUSTOMER SERVICE
CHASE O Pa
i 7 I
1
B
08
n
,
?
Min
m yment Due:
in $149.00
sp
-
Be
e33
E
I
TDD 1-80D-955.8080
Pay by phone 14100438-7958
! Outride U.S. can collect
i
1-302-594.8200
VISA ACCOUNT SUMMARY Account Number: 7663
ACCOUNT INQUIRIES
Previous Balance $9,548.27 nits! Credit Line Box 15298
WSW
Payment, Credits -$9,500.00 vailade Credit
gton. DE
$2,018 Wiliitmkn
DE 19850.5298
Purchases, Cash, Debits +$7.239.65 ash Access Line $9,500
Finance Charges +$193.21 vallable for Cash $2,018 PAYMENT ADDRESS
New Balance $7,481.13 P.O. Box 15153
Wilmington, DE 19686-5153
VISIT US AT:
www. chase.com/vedik'ards
TRANSACTIONS
Trans
Date Reference Number Merchant Nilms or Transaction Description
Amount
Credit Debit
Finance Charge
Daily Periodic Rate Conesp. a verage Daily Due To Transaction Accumulated FINANCE
Category 30 days In cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02189% 7.99% I $1,416.81 $9.31 $0.00 $0.00 $9.31
Cash advances V .06504% 23.74% $0.00 $0.00 $0.00 $0.D0 $0.00
Convenience check .02189% 7.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .02189% 7.99% $0.00 $0.00 $180.00 $0.00 $180.00
Promotional summary .00271% 0.99% $175.41 $0.15 $0.00 $0.00 $0.15
PromntloneE summary .00271% 0.99% $4,601.47 $3.75 $0.00 $0.00 $3.75
Total finance charges $193.21
Effective Annual Percentage Rate (APR): I 30.53%
Please see Inlomm?Ition About Your Axourtt sec' n for balance computation method, grace period, and other important infomnation
The Corresponding APR is the rite d lntereat y pay wtnen you carry a balance on any transaction category.
The Effective APR represents your Intel finance arges - Including transaction fees
such as cash advance and balance transfer fees expressed as a percentage.
CHASE O
1 want to hatssee o0donal
1 Payment
readthe = `offer
may cancel any time.
a
1...111.1..1..1.1..1..1I..JII..r.Il.1.110111..l.lr.rlirrll.rl
This StatementlIs a Facsimile - Not an original
X 0000W1 FIS33335 0 6 000 N 2 24 07/1'!,'24 Page i of 1 05686 MA MA 29504 29710000060002450401
4/46 Address Change Request
Please provide information below only H the 'ieddress Information on front is incorrect.
Street Address: - ---..a.----- ?---------
City ------ ----- ---
State: --
1 I
Zip- -_--- -_?
Home Phone: --- --.-
Work Phone: --- --- -?----
E-mail Address: -_.------?.------ --------------
L
Intorratlae Mad yarn Atoewrt date they are pasted to your account, or the last day of the billing cycle. This
LM er Stales Carohe Please report your lost or stolen rd immediately by gives us that day's daily balance. A credit bounce is treated as a balance of
calling the Customer Service number found on the fro of your Statement. zero. If a dairy periodic rate applies to any feature, we multpy the dally
Adelson are always available to sssut you. You can ch an Advisor by balance by the daily periodic rate to out your periodic; finance charges for
pressing 0 after you enter your account number, that day. We then add these periodic Spence charges to your daily balance
h
l
i
h
el
di
CMM" d PayeaN: For payments by regular US. mail. send at last to get t
e beginning ba
ance for the ne# day- (
an one r
t more t
y perio
c
rate could apply based on the average day balance, we well use the doily
your minimum payment due to our post office box des
shown on this stetemeM. Your payments by mail m lad for payments
It comply with the Periodic rote tat applies for the average daily balance amours at the . of
instructions on this $*want arch must be made bye k or money order, the billing cycle to calculate the day periodic finance delis each day.) )
To get your total pedock finance charge for a billing circus when a daily
payable In U.S. Dollars, and drawn on of payable thro
institution or the U.S. bench of a foreign financial ns igh a U.S. financial
tendon. Do not send Periodic rate(s) applies, we add all of the dally Paiodsc finance charges for all
ash. Write your account number on your check or m order. Payments features. To datermkro an average dally balance, we add your daily bounces
must be accompanied by the payment coupon in the cps provided a ilh and divide by the number of the days in the appliabu billing cycle(s). If you
our address visible through the envelope window, a envelope cannot multiply the av°f doily balance for each feature by the applicable daily
coMan more tan one payment or coupon; and the an be no staples, °? ' multlply each of rises results; by to number at daps
periodic ? b
papa dips, tape or correspondence included with 11 r payment It your g
rg cycle(s), and gain add at of the results together, the
payment is In accordance 04th our payment instn no and is made foil will also equal the pedode finance charges for the billing cycle, except
available to Won any day except December 25by1: P.M local time at for minor variations due to rounding.To got yourtotaPeriodic ffnencecharge
ourpostoficebox designated for paymentsan tdasat ant, we wit credit for a billing cycle whom a monthly periodic rate(s) applies, multiply the
the payment to your account as of cat day. If your p It Is In accordance average daily balance for earth feature by the aPPOCAW monthly perodc rate
with our payment instructions, but is made available us sher 1:00 pan. and add the results together. The tout will equal the periodic finarhee charges
fecal tmeatourpostoMce boxdesignated forpaym on this statement for thebiitng*Is,except for minor variations duetorounding.
we will credit it to your account as of the eat day. If u do not fellow our Crass Peeled (ul Ned?A taya?:
payment iratructlau or it your payment ls not sent by regular U.S. mail to We accrue periodic finance charges on a tramaction, fee, or finance charge
our past office box designated for payments.crediting yourpaymemmay from the date It is added to your daily balance Last payment in full Is
be delayed for up to 5 days. Payments made decor scaly through our received on your account However, we do not diarge periodic finance
automated telephone service, Customer Service advi rs, or our web site charges on new purchase billed during a billing cycle it we receive both
will be subject to any processing times disclosed for a payments. payment of your New Balance on your current statement by the date and
Ac"ast lefomrada Reported to Crest Berea : We may report time your payment is due and also payment of your New Balance on your
information about your account to credit bureaus. Lab payments, missed previous statement by to date and time your payment was due. There is no
payments or other defaults an your account may be re acted in your credit grace period for balance transfers, ash advances, check transactions, or
report If you think we have reported iroccurate inn aeon to a credit overdraft advance&
bureau, you may write to us at the Cardmember Seri a address listed on Is aNlda, it ban N a -Qealttykq Pr0'asid eel FlaseNB' soda a
your billing statement this ibtereaA you will not incur periodic Seance charges on any
Neliw Mae Bub" Check Ceeverel When yo provide a check as Remaking Balance that appears in that section it you pay that balance in full
payment, you authorize us either to use Information fro your chock to make by the applicable Expiration Date. To avoid finance charges on new
a one-time electronic fund transfer from your accou or to process the purchases when your New Balance includes any Remelting Mane(s) in
payment as a check transaction. When we use informs on from your check the Ouehying Promotonal Financing sector, pay your fug New. Balance
to make an slearomc fund transfer, funds may be thdrawn from your minus the total of than Remaining Balance(s) by the date and time your
account as soon as the same day we receive your pay and you will not payment is due. However. it your statement shows mat a minimum payment
receive your drockback from your financial lnsttuto .Cal the customer is due. we mustmeoiveat leastthertminimumpaymentbythe dateendtime
service number on ilia statement if you have quell s about aedrome specified an your statement even if you New Balance consists only of
crock collection or do not wentyour payments collects electronically. Qualifying Promotional Financing balances.
Coeresoed P"Muls: Any payment check or other rm of payment that Also, for some Qualifying Promotional Financing balances, partook finance
you send us for lass Men the full balanee due tat is m rked "paid in full" or charges accrue during the promotional period but are riot added to your
contains a similar notation, or that you otherwise ten in full satisfaction account balance. Instead, they accumulate from billing cycle to billing cycle.
of a disputed ari must a seen N Card Servie S. P.O. Box 15049. This is referred to as 'deferred Inarm* It a deferred interest Qualifying
Wilmington, DE 198503049. We reserve all our d regarding these Promotonsl Firsmdng balance is not pad in full by the applicable Expirafian
paymenus (e g., if it is determined trove is no valid ' ute or d a i such Date, the deferred finance cages will be added to your account as soon as
duck is received at any other address. we may sec the check and you the first day ater the Expiration Date. Further, it you default under the terms
will still owe any, remaking balance), We may refuse to accept any such of your Cardinember Agreement the deferred finance charges will be added
payment by retuning t to you, not cashing it or it troying it All other to your account as soon as the date of default
payments that you make should be sent to the appropri to payment address. BIWNGRIGHTS SUMMItgy
Aaaal Reseaat Nike: If you account has an am fee, It wit be billed is Cara of Eton or Oesaeerra Abet Yeas Bilk It you think your bill Is
each year or in monthly installments, whether or not u use your account, wrong. or it you need more information about a iraisecton on your bill, wine
and you agree to pay it when billed. The annual fee is -refundable unless Cardmember Service on a separate shed at P D. Box 15299 Wilmington, DE
you notify us that you wish to dose your account wit 30 days of the daft 198503299 as soon as possible. Wo must hear from you no later dean 60
we mail your statement on which the annual fee is de and et the sane days after we seen you the first bit an which the nor or problem appeared.
time, you pay your outstanding baumx fo fut. You p ant of the annual You an telephone us. but doing so will not preserve your rights.
tee does not affect our rights to dose your account an N limit you right to In your letter. give us the loflowing information.
make transitions on your accoum. If your account I. osed by you or us,
we will continue to charge the annual tee until you your outstanding ' You name and account number
balance in full and terminate your account rectorship • The dolor amount of the suspected error
ExphmWos d Haaaa Cbryas: We calculate Redo a finance charges. Describe Me error and explain. ifyou can. why you believe there is an error.
using the applicable periodic rates shown on this se ent separately for If you need more information, describe the item you are unsure about.
each feature (e.g., balance transfer/corwersence the: and cash advance You do not have to pay any amountin question while we are investgating.
calks ("check transaction"), purchases, balance trap n, ash advances, bur you are still obligated to pay the parts of your bill that are not in
promotional balances or overdraft advances), Th calculations may question. Mile we invidgats your question, we cannot report you as
combine different categories with the same dally pa le rates. If there fs a delinquent or take action to tolled the amount you question. If you have
"Y' next to a periodic rate on this statement tat ra may vary, and the authorized us to pay your credit card bill automatically from your savings or
index and margin used to determine that rate and its co pending APR are checking account you can stop the payment on any amount you think is
deserted in your Cardmember Agreement, as ended. There is a wrong. To stop the payment your letter or call (using the Cardmember
miMmwm finance charge in any billing cycle in which u owe airy periodic Service address or telephone number shown on this statementi mud reach
finance charges. and a iransacdon finance charge for ch balance trends(. us at least three business days before the automate payment is scheduled
cash advance, or check transaction, in the ano is stated in your to occur.
Cudmember Agreement as amended. Special Rule for Credit Cad Pus oc If you have a problem with the
ro gel modest belancetor each day of the current bill geyes, we take the quaiityof goodsor servicesihatyuupurchasedwitha credit card (excluding
beginning balance for each feature, add ay new transe tuns or other debits purchases made with a cheek), and you have tried in good faith to correct
pinduding fees, unpaid finance charges and other ch rges), subtract any the problem with the mordant, you may not have to pay the remaining
paymass or credits- and make other adjustmente. Tr sections are added amount due on the goods or services. You have this protection ody when
as of the transactor date, the beginning of the biifing de in with they are the purchase price was more than 550 and the Rurdase was made In ymr
posted to your account or a later date of our choic (except that check home state or Whn 100 mites of your mailing addkms. These Imitations
transactions are added as of the date deposited by the eyes or a later date do not apply if we oven or operate the merchant, or if vre mailed you the
of ear doles), Fees are added ather on the date of a r led trarsaction, the advertisement for the Property or services.
MA021207
Statement for account number: 7863
New Balance Payment Due Date Past Due M Mlnfmum Payment
$8,804.76 12/14/07 $0.00 $176.00 CHASE O
5/46 Make your Q1ae11 ""Me to chase Card Senk.e. I want to pUrd,aee OOtlortal
Amount Endowed 1$ .? New adores! a o-mell7 Print on hack. Payment actor Ran'
L_ IhavyB9read the the enaosed offer
andmay cancel any time.
n
78630001760008804765512895
07140 9EX Z 3281)? D 6111 Ili 111II IlI1.41111111 i 111/11"111II I I III Il III11Il11I III'
HEATHER M WILLIAMS',..
218 INDIAN CREEK OR CARDMEMBER SERVICE
MECHANICS13URG PA 17050.2526 PO BOX 15153
WILMINGTON OE 19888-5153
1.1111L11111111J11111..11111111.111111111 ?1111,IIIId1./1Ll
4500011,60281: 1 203 i0 5693463 51Ia
Opa Cbsing Data 10125/07 - 11/24/07 CUSTOMER SERVICE
CHASE O MM ;?8 W In U.S. ,-600 945 2000
1
on Payment Due: $
Espaf f of 1-888.448-3308
TOO 1-800.955.6060
Pay by phone 1-800.436-7958
Outside U.S. call collect
1-302-594.8200
COUNT INQUIRIES
Previous Balance $7,481.13 otal Credit Line $9,500 Box 15298
Payment. Credits -$519.64 vailabie Credit $695 Wil
Wilmington, DE
DE 19850-5298
Purchases, Cash, Debits +51,822.31 g ash Access Line $9,500
Finance Charges +520.98 A vailable for Cash $695 PAYMENT ADDRESS
New Balance $8,804.76', P.O. Box 15153
Wilmington, DE 19888-5153
VISIT US AT.
OpeninglClosing Date: 10125/07 - 11/24/07
Account Number; 7863
7/46 '.., Page 2 of 4
TRANSACTIONS (CONTINUED)
Trans Amount
Date Reference Number Mercherd Nate or Transaction Description Credit Debit
Firmnoe Charge
Daily Periodic Rate Corresp. A erage Daily Due To Transaction Accumulated FINANCE
Category 31 days In cycle APR Balance Periodic Rata Fee Fin Charge CHARGES
Purchases .02189% 7.99% $2;388.25 $16.20 $0.00 $0.00 $16.20
Cash advances V .08436% 23.49% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .02189% 7.99% $0.00 $0.00 $0.00 $0.00 $0.00
Promotional summary .00271% 0.99% $0.04 $0.00 $0.00 $0.00 $0.00
Promotional summary .00271% 0.99%
' $5,887.16 $4.76 $0.00 $0.00 $4.76
Toni finance charges ..'' $20.98
Effeedw Annual Percentage RMta (APR): 3.12°.6
Please see Information About Your Accoult sectl for balance computation method, grace Period, and other important Information
.
The Corresponding APR Is the rate d triereet you ay when you carry a balance on any transaction category
The Effective APR represents your total finance rges - inc uding transaction fees
such as cash advance and balance transfer fees - pressed as a percentage.
This Statemt nt is a Facsimile - Not an original
X 0000001 F1633335 D 8 000 N Z I24 0711114 Pa" 24 4 05860 MAMA 07140 32710000080000714002
Use these Cash Advance Checlks* for Extra Cash or Purchases.
9/46 These checks are a great way to utilize our credit card account and can be used wherever personal
checks are accepted. Carry this check with you, so you'll be prepared for any expense.
¦ Make a check out to yourself and deposit it into your checking account so you'll have extra
cash when you need it.
• Use a check for emergencies, everyday expenses, large bills like home or car repairs, or when
you can't use your credit card.
• You can write these checks for any cunt - up to the unused portion of your cash access line.
Access your Cash Line Instantly"
You can always Access Cash Now thr gh automated teller machines (ATMs) worldwide when
you use your credit card and your PIN, Don't have a PIN - call I-SW575-5733 and select your
PIN now.
•**Daily aM transaction system ax. ArM limits ?ply. Additional ATM fees may apply.
''.. MIIT1120i
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,Neelpsx/eysrr 4- by rkepwaRlra4,.W 4M ef01113/700e m4!e,APR aced Myow qff'r
HEATHER M WILLIAMS 218 INDIAN CREEK DR
MECHANICSBURG PA 17050-2528
DATE
PAY To THE
5449
999
56-1551/441
?I
CONTAINS AN ARTIFICIAL WATERMARK, ABSENCE OF THIS FEATURS WILL INDICATE A COPY
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MEMO SIGNAXURE
1:044 la 1551V:33710569378636a'5449
.Nwr des rs pert ar}oaar y the prlwj brapaY err yavli/2¢s! b,(r ake APR uad N yaer
HEATHER M WILLIAMS III 5450
218 INDIAN CREEK DR
MECHANICSBURG PA 17050.2528 lit
999
DATE 56-1551/441
1 To THE Q f
UR?R OP ?D L
TMS DD(I;*-.NT CONTAINS AN ARTIFICIAL WATERMARK, ASSENCF.OF THIS FFATURE WILL INDICATE A COPY
Payabb through:
CBSI, Oebw . OH 43015
209
MEMO StONATUAR
1:044 115 5 1 0: 1 371056937&6360 5L. 50
•iMPORMAIr NWIYMTtae:
The use of the altedW dmd(s) of draft(s) will constdida a char,
APR Yau APR for the XWW checgs) is the daubrd rate for
Tmmwlla Fee Firma CWW Ram see your Cardmemher
Riydl Is 11"W. If checks am pact at the 09K Cheats that pod
he dedined. Under certam amurlstanfes (for exaapie, d your ac
brim of ae deserlbed in year Cardmamhr Agreement), we ma
pa?p?tAlludisK & rtayaioeak Muffle to belie with
APR halanca. This teals that any gond'unal period disdased
Debit: An imrodwory, pramolkxtd or standard APRs are off
b0mg; CO an wtliUt the WWI occurs
Drag Parfet A grae pond w9 not ** b tmosactram from th' ofle
Cardre tuber Alreerneah For Aelher details a*WM terms of can" a
Other some: If you pay arty dsflned amounts, You may bee per r: h
such a toor from a °m brand of other'mwrds' amain, D a ale
tank account at any bank fndudtrg any of our banks be subj?i N
Cs in paper form. I a Ch is presented to us sled , we m not
ymx clam acmum.
not Clucks a you ieemm.
I for any appfrable traRsadion fees.
mid dale dwitt ad orthe are made to usor on of oar relined bards or companies NA
rt doe or over Imak or d we recto bwm tied you wil be arable or unwifmq to repay the
o proem you trmiii6, in which case you will be notified.
(indurmMpQ Warn= wdh introdoe" and peornoboral MRS) before app mg payments to Irgher
y be al0lfa baud on your payment name and APRs on other Mum
i vote complying with the terms of your actant For example, it your payment to us is not
of or d a paymaf to us is rot honored by your bank, the hmoduct pr?mt oud or standard
Y"accaud will ado to the appkabb rate and becane ehctk as of the fuel day of the
refer to you fardlember Agreement
for s not Yakd it your account has been eomerted to any other product type,
aus for you xmfd am *a4 Cheater from this ufW deposited into your
y of these brrtts. Checks used to aeom your xmffl mud be presented to
to certam dock processing rules we mud adhere to.
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11/46
7883
Statement for account number:
CHASE O
New Balance Payment Due Data Past Due Amount Minimum S1a 8900
$9,496.42 01113MB
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to DurdusE opppt ?90
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?786300018900009?96425531718
111111111111111111111 11111111111111111/1111111 /111111111111111
13570 SEX 2 359010
HEATHER M WILLIAMS
CARDMEMSER SERVICE
INOtAN CREEK
216 DR
MECHANICSBURG PA 17050-2528
PO BOX 15153
WILMINGTON DE 19SM-5153
111 1111111111111111,111,1111111,1,.1111,11,,,,,1?11,1111Ud
o:50001602811: 201 1056937863511'
openkngfClo g Date: 11125107. 12124!07 CUSTOMER SERVICE
,-800-452000
01113M
In U
S
E
.
. swc
Minimum P Due: $189.00 Espaft 1-888-4448-3308
CHASE O Minimum Data.
8080
5
.
TOO ,•80045
Pay by phone 1-800438-7958
Outside U.S. call collect
1-302.594-8200
PISA ACCOUNT SUMMARY A nt Number. 7863
ACCOUNT INQUIRIES
$8,804.76 Total Line $9,500 P.O. Box 15298
a
P
ence -$178.00 Ave! Credit $3 Wilmington, DE 19850-5298
r
syme
P
Purchases, , Cass +5837.52 Cash Access Line $9,500
, Debits
ases Caen
Cash $3 PAYMENT ADDRESS
f
or
x330.14 Avae
Charges
Finance
F P.O. Box 15153
Now Balance 59,498.42 Wilmington, DE 19SW5153
VISIT US AT:
FINANCE GKAKww
Ave
es Finance Charge
rage Daily Due To Transaction
Accumulated FINANCE
CHARGES
p.
Daily Periodic Rate Corr
APR
Fee
Balance Periodic Rate
Fln Charge
Category 30 days in cycle
99%
02189% 7 $3,9116.87 $25.66 $0.00 $0 00 $$0.00
.
Purchases .
Cash advances V .08387% 23.24% $0•00 $0.00 $0.00
00 $0.00
$0 $0.00 $0.00
.02189% 7.99%
Balance transfer
00271% 0.99%
.
$5,510.69 $4.48 $0.00
$0'00
Promotional summary . $30.14
Total finance charges
Effective Annual Pomentaga Rate (APR):
ti 3.84%
for balance computation metinod, grace period,
and other important information.
on
your Account sec
About
Please see information
balance on any transaction
r
a
category.
AP
The Corresponding ondirhg APR 1s the rata of interest you p y
ay when you car
Including trereactbn tees
The Effective APR- represents your total finance chi
h advance and balance transfer Ism - e es -
xpressed as a percentage.
such as cas
IMPORTANT NEWS
Add adc
) authorized users to your acc o
An add nes.
card is emergency help for loved
Stay on top _
your account - monitor
n real
online. Ad it*
by calling
J additional suthoft d users
tement or go to www.chaw.com/creditcards.
t
number on your s
a
Shop at 1-8 Flowen.cam for everyone on your holiday
list and sav 15%` on beautiful fresh flowers, gourmet gift
baskets. nlhg centerpieces and more. Mention code
CHASE77. code identifies you as a Chase customer.
`For details ease visft w ww.18008owem.oomldiscaimer
This Statement; is a Facsimile - Not an original
Page 1 at 3 05980 uA MA 13530 35910000100001351001
X0000001 FI331335 D ?0 000 N Z 24 07117/2
12/46 Address Change Request
Please provide information below only it "Iii address Information on (rant M incorrect.
Street Address: - ---?---?---?----
i -1
Ciry:
State: 4
Zip:
Home Phone:
Work Phone:
E-mail Address:
L
Miniseries Abed Year Against data they are posted to your account, or to last day of the killing cycle. This
last er Stale Cafule: Phone report your lost or std card immediately by gives us thin days dagy balance. A credit balance is treated as a balance of
a1Mg tits Customer Servioa number found on the fro it of your statement. zero. If a daily periodic ram applies to any feature, we maitpy the daily
Advisors are always aailabde to assist you. You can each an Advisor by balance by to daily periodic rate to get your periodic Aran charges for
prow" 0 after you enter your account number. that day We than add then periodic Anna charge to your dally balance
CFW" el Paymeft For payments by regular U1 . mail, send at teat to got the beginning balance for the not do/. (it more than one daily periodic
rate could apply based on vie average daily baacc 1
we will one vie daily
your minimum payment due to our post office box des
shown on this statement. Your payments by mail groW for psymenM
st comply with the ,
Periodic ran that applie for Ohs eueregs dally balms amount at the and of
instructions an this statement, and must be media by d ied or money Orgill, the billing cyae to calculate the daily periodic firannce charge each day.)
payeMe in U.S. Dollars, and drawn on or payabie th ugh a U.S. financial TO got your total periodic finance dirge for a billing cycle when a daily
institution or the U.S. branch at a toregn txiaxiel
ash. Waite your amount number m your chiedt ear m on. Do not send
nay Onbsf. Paymam penofic rate(s) apples, we add ad of the daily Periodic finance charges for all
features. To determine on average dally fade nn, we add your daily balances
must be accompanied by to payment coupon in the ope provided with. and divide by the number of the days in the applicable biAing cychili If you
ow address visible through the envelops Mndoi a envelope formal multiply the average daily balance far nth feature by the applicable daily
aee? contain more tan one payment or couprm: and vie earn be no staples, periodic rate, and than multiply each of Oleo results byNe number of days
paper dips, tape or correspondence included with payment. If your M via aDPgable kiting cycle(s), and lam add all of the results together, the
payment is in accordance with our payment I ' me and is made total weal 6130 egwl the periodic Mann doges for the being cycle, except
available to w on any day except December 25 by 1: 0 p.m. IoW time at for minorvarlatora due to rounding. To galyour laid periodic finance charge
our post chips bodesignated forptymasaonthis 9 em,wawolcredit for a MOM cyich when a moraNy Penodc sae(s) applies, multiply the
the payment to your account as 01 Net day N your p ant Is in accordance overege daily balance for each future by vie applkehM monthly periodic ran
with our payment instructions, but Is made &Wabie us after 1:00 p.m. and add Ne results together The total will equal the periodic fiance charges
local tie at our peat Office box daaigabsd tar paym on this statement for the bggng cycle except for minor variations due to rounding.
we will credits to your account as of to nut day. If u do not follow our Gme Period (at toast 20laya):
payment instructions or if your pW= ts not sad regular U.S. mail to ype accrue Patti Marie charges on a transaction, fee, or finance charge
our poet offxs box designated forpaymants, cradling f your payment may from vie dale it is added to your daily balance until
be delayed for up to 5 days, Payments made el y through our received on your account However, e do not charge periodic Finance
automated telephone service, Customer Service ad is, of our web site cage on new, purchases cited during a billing cycle If we reci both
will be sullied to arty processing times disdosed for se paymante. payment of your New Balance on your current statement by the date and
Ascend Iaferm U" Repeated to Credit Ann We may report line your payment is due and also payment of your New Balance on your
information about your account to creAt bureaus. a payments, missed preview statement by vie dabsand time yourpayment was duo Thera is no
payments or other deMults on your acci may be r died In your credit grace period for balance banters, cash advances, check transaction, or
report. If you think we have reported inacmi' muton to a credit overdraRadvances.
bureau, you may write to us at the Cadmember Se ce address lasted on Is addition, N then to a "DeaiMy al ProsebW Fk=WW san des m
your biting statement. ltis statement you will not Incur periodic finance charge on any
MOOR Areal EMNnm Cheek Cepaslw Whin provide a deck as Remaking Balance that appears in that section O you pay that balance in full
payment you authorize as either to we inarmagon your theck to make by the appAcaba Expiration Date. To avoid finance charges on new
a one-ime electronic fund trader from you a or to Process vie purchases Man Your New Balance Includes any Remaining Btlahcei in
payment as a check transaction. Winn we use i from your check the Qualifying Pronotlanel Financing section, pay your fill New Balance
to man an electronic fund transfer, hRdes may We ram from your minus the total of those Remaining Balance(s) by the data and gms your
account as soon as On sums day we receive your p act, and you will not payment is din. However, it your statement shown that a minmum payment
receive your check back from your finsndal mattu . Cal to customer is din, wemet receive at leeattet minimum payment by the dateand time
sama number on "a statement if you have qua about alectonic specified on your statement, even if your New Balance consists only of
check cdlecton or do not want your payments caged electronically. Oualyi g Promosonel Financing balances.
CoedWasd Paynmts: Any payment check or other of payment tlat Also. Mr some Gualifying Promotonal Financing balances, periodic stance
you send us for tau than the full balance due tat is rind "Paid in fair or charges accrue during the promotional period but are not added to your
contains a similar notation, or that you Ogh erwise tan or in full sorteMdim account balms. Instead, May accumulate from hlMg cycle to billing cycle.
of a disputed amours, must be sent to Card S , P.O. Box 15049. This is referred to a 'deferred uteri If a deferred interest owdifying
Wilmington, DE 19850-5049. We reserve all our n regarding these Promotional Financing balance is not paid in full by the applable Expiration
payments (e.g., if it is determined there is no valid sputa or if any such Date, the defend finance charges Will be added to your account as soon as
check is received at any otter address, we may t the dick and you the first day after the Expiration Dora. Further, it you default under the terms
Will stiff owe any remaining balance). We may r61es to aCfari any such of your Cardmanber Agreement the defied finance large will be added
payment by returning it to you, not cashing it or troying it, Ali other to your account as soon as the date of default,
payments that you make should be seam to the apprce payment address. SWING RMa1TS SUMMARY
Aerial Resewal Netlae. If your account has an am fee, it WIN be billed m Cap Of Esau of OWOON ASM Your M0• It you Oft your bill is
each year or In monthly Installments, wither or not u use your account, wrong. or if you need more information about a treraach you big. Write
m
r
and you agree to pay it when billed, The annual lee is n-refundable lade unless Cardmenber Sepia an a sap trale sheet at P0. Bin 15299
Wdrni
Zon, DE
you nogg us that you wish to does your account with 30 drys of the don 19850-5299 ea soon as possible. We must hear from you no later than 60
W4 mail your statement on which to annul tea Is ad and at the time days after we bent you the first bill on which the error or problem appeared
tme, you pay you outstanding baience in tut. Your ant at the sinus You can telephrxte w, but doing so will teat Preserve your rights.
fee doe not affect our nights to clop your account an to limit your right to In your fetter, gale w the klbWinq information.
the
make tranacdonneonyour account.Ityour account
we will continue to large the annual fu until you dosed by you or us,
our outstanding •y our(laneandoc
numbs
bslana in tug and terminate youraccount relatonsh • The dollar amount of the suspected error
Exgmdtlm N Fiwep Charges We calculate pe do trance charges, •Describetheerrarandexplaln.ifyoucan, Mryyoubefievethereson error,
using the applicable periodic raise shown an this sta ant separately for If you need more information, describe the item you are unsure about.
each feature (eg., balance tra sferyconvenance ch
"
" and cash advance You do not have to pay ary anoint u question while we are irneaageting,
checks (
chock transaction
), purdase, balance trap ere, cash advances, but you are still obigated to pay the parts of your bill that are not in
promotional balances or overdraft advanci Thi ;@ calculations may question. WMIe we kweatigebs your question, we carrot report you as
combine different categories With the sin daily pork
"
- itcrates. If there Is e delinquent or take sedan to :01140 the amount you question. It you have
V
next to a periodic rate on this statement that nor may wry, and de authorized w to Pay your creek an bit automatically from your savings or
index and margin used to determine gat rate and its nespaWkngAPR are madding account, you can stop The payment on any amour you think is
described in your Cardmember Agreement as a ended- Them is a wrong. To stop the payment, your fete or aA (using vie Carrdmember
minimum finance large in any bailing cycle In which u owe any periodic Service address or telephone number shown on finis statement) must reach
finance charges, and a transaction finance charge for sch balance transfer, us at toast three business days before the automate payment is scheduled
cash advance, or dick transaction. in the amo ift stated in your to occur.
Cardmember Agreement as amended.
Spptst Rah for Credal Card y p
If you have problem with the
To get the daily balance for each dry of vie current bit l h
o fide, we take the ch
quay of goods or services the[ l you u purchased With a credit and (excluding
beginning balance for each feanra, add
arty new Uan ?
is or other debits
Purchases made with a check}, and you have fled in good larch to correct
(including tea, unpaid inns gas and othe rges), subirect arty ft problem with the merchant. you may not have to pay the remaining
payments or credits, and make diner adjustments. T doe are added
mac amount due on the goods or service. You have tin protection only when
as of the transaction date, Oho beginning of the bi de in ouch they are the purchase price was more Nan $% and the purchase, was made in your
posted to you account, of a later date of our chi (except that chock hone state or Within 100 mites of your mailing address. ?here enitalions
transactions are added as of the date deposited by Ifti payee or a later date do not apply it we oven or operate the merchant, or if we mailed you me
of our choice). Fees are added either on the date of a r said transaction, the advertisement for the property or services.
MA021207
13/46
1) 0 9 Ifo Fixed Aim;
fw a Wted d
U7 or
rxed u
rollillo
6991
Use these Bolom Troasfer decks to take
advotop of these sflerlow rotes today.
• Sae 4 hi sfrrirtg balances from hug eOn octants.
• We a dledt to yourself.
• Go our a weweserred NROrbn.
• Make home improvements.
These checks ote rem to go. Your can write them for am anent up to
the unused portion d yea cedi 6& Don't miss at- groat rates the
this don't cane around every day.
•Rewe no ow aeon trof3%, aeSs, apple a M am of each did ion d6 I&
0edu reined a year onve WOn resi doe on todwili
"Sw'hewrnikmowm"vdinkaeaadaeh WM1204
Mw/ pM b yen sair•ebP Mee paaaheRMadroY/atr aJhAL22/Se1e a eei Ae'APR .wVeM in year e/y'a
HEATHER M WILLIAMS 6028
218 INDIAN CREEK DR
0o MECHANICSBURG PA 17050-2528
999
DATE 56.1551441
L:
E z se p PAY To $ 1
Void Voi Void Void Void.
THIS OOC,UM T CONTAINS AN AKr(F LWAI ERMArtK, ABSENCE OF THIS KAMM WILL INDICATE A COPY
0831. a •aaaari:
N 0831, Oebwae, OH 43016
H
& 7 ? 209
a ¢ MEA10 { SIGNATURE
a:044 L L551 1, 1:3137 i056937ar.36a•60 2a
,Nrre pasero yav on{Pwrr e)rrhep-*qr 6mAvld daro o/eN2v2e11e Ii Aha APR nawdarwrr der
HEATHER M WILLIAMS 6029
218 INDIAN CREEK OR
a, MECHANICSBURG PA 17050-2626
999
DATE 5(.1551!441
Z .i PAYToTHE
m O F $
Void Voi Void Void Voidee,
Ti DOCUM CCON'rAINS AN ARTIFICIAL WAIEKMAM ABSENCE OF THIS FEATURE WILL Oi OICAI'E ACOPY
PWaahaaaOUaN:
CBSI, 01 ON 43015
O
209
7-2
O d 6 MEMO SIONA'R'KB
a:044 L L55 i La: 3i3 7 10 569 3 786 3rne60 29
-mePOnrAw NMFN OM
The use of the attaci chedl(s) or drat ff va11 consonne a chage
i
l APO
kyh
be
n eat you oredd amount
99%APR
til the te
bilh
t in
de
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em youtse t
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this other that arils after a kmlted carda am APA ou fume u
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une
.
.
orn
.
m
s
y
y0or
tg
a
c
or any
to it* standad or dekae APR thal transaction as determined by your
w8 a4ust
Cadmembr AgreetrkM. When you vie, am bMm check you Will r .
a promdmrlat 628% APR edit the bahrln of the lack s paid n full
if oft
Affifts:
T
r f3
With you Cadlrnmhr Agreemaa.
the i
af
t
xAml r
r
y
F
iei Fnimi Cherw A
3% nMmkini $5) all
Trans
action In of (
b
o*
al
l dram
ch trim h
Aigltl le 0eds h checks are pan of this ft clacks that pod aA dr uric date dsdosod at that ate made pis b us a ?ro d as reed bards or companies Wile
be debemd, 0ndr certain circumalanes (for exauple, d you s pad due a ore And, or ff we reasarohy be8ne that you Wi be urnhk or unwilling to repay the
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at or from a'w beans' or fiber "rewards' acmm 1 Ii applicable, ante credo that we
s not valid 0your account has been converted to anyy otlrer poduct such as
issue foryour acroum are va9d. Checks ban INS after depahbd i your tRnk account Many bark (ipCPodrg any al our banks) may be sugwd to a dicky m the
ar?kb lily of hose hands Checks read to a your aLTwunt m be Iweaded tor la paper farm If a clack is presented to us ekttran aFy, w¢ may mat be able to
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Statement for account number. 7883 CHASE O
Now Balance Payment Due Date Peat Due nt Minimum Payment 15/46 $9,462.6 ovi 6/08 $p.00 $189.00
r't
Males Your payable to Chas Card 8aMces. I want to purchas; optional
Amount Enclosed ?? New edaeae meal Prim on back. Plan I?veat8ad th' is
& Oftcloawes section.
?78630001890060948226SS50945
24727 SEX Z 024M 1)
HEATHER M WILLIAMS
MECMAIAN CREE PEA 17050-2526 CAROMEMBER SERVICE
NICSBURG
PO BOX 15153
WILMINGTON DE 19886.5153
Irrrlllrrrill..r,lrlrlLr.r.?.IJ.Irrrld.IL?rrrlllrrLrrlLl
I:S0001,60280: 003i0S69 3 78 6 3 511'
O Date: 12125107 - 01/24/08 CUSTOMER SERVICE
CHASE
MIM Payment Due: $18900 Espafld 1488446-3308
TDD 1-800-955.8080
Pay by phone 1-800436-7958
Outside U.S. call collect
1-302-594-8200
VISA ACCOUNT SUMMARY Account Number: dillMNOINIIInM-
ACCOUNT INQUIRIES
Previous Balance $9,496.42 To tal Credit Line $9,500
? 15298
Payment Credits -$189.00 a Credit $17 Wpn
19850-5298
Purchases, Cash, Debits +$142.89 C. sh Access Line $9,500
Finance Charges 431.95 A% e for Cash $17 PAYMENT ADDRESS
New Balance 9,482.26 P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/creditcards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Nar me or Transaction Description Credit Debit
1229 241810 74914 DOLRTREE "5 56 LEMOYN PA _12
01A8 10080D80200000227402110 Payment You Electronic Chk 189.00
01W 244 13515059 KARNS OU ITY FOOD MECHANICSBURG PA 17.24
01/07 247928280081537238384 RITE AIO 3T RE 4818 MECHANICSBURG PA 15.90
Ot 7 241878008945311793984 AR8 Y Stitt 00011728 CAMP HILL PA 5.40
01108 425595 BOBS BAGE INC. LEMOYNE PA 3.9D
01108 24792828009891538803534 RITE AID 8 RE 1074 LEMOYNE PA 4.00
01110 2444500?1114t1371 12 522 7 BOB EVANS ST N02t2 MECHANICSBURG PA 43.86
01113 2421 38014207000000834 RED ROBIN 29 ME ICSBURG PA 37.95
01/17 24071050018907124951211 POLISHED NAIL SUN & LEMAYNE PA 12.72
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. A age Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02189% 7.99% $4,035.48 $27.39 $0.00 $0.00 $27.39
Cash advances V .06367% 2124% $0.00 $0.00 $0.00 $0.00 80.00
Balance transfer .02189% 7.99% $0.00 $0.00 $0.00 $0.00 $0.00
Prop raiswnmary .00271% 0.99% $5.425.72 $4.56 $0.00 $0.00 $4.56
Total finance charges $31.95
Effeotlve Annual Percentage Rate (APR): 4,05%
Please see information About Your Account section for balance computation method, gram 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 c es - Including transaction fees
such as cash advance and balance transfer fees - pressed as a percentage.
IMPORTANT NEWS
PLEASE NOTE T YOUR PAYMENT DUE DATE HAS CHANGED,
EFFECTIVE THIS M NTH TO SELECT A PAYMENT DUE DATE THAT
WORKS BEST FO R YOU, PLEASE CALL CUSTOMER SERVICE.
TO PAY THE AwMi t1NT DUE, YOU CAN ACCESS OUR WEBSITE
DISPLAYED ON TH STATEMENT, OR CALL US AT 1-8004307958.
Save on apps MP3 Players, toys, and more at Shoppers
Advantage. E m cash-back rewards on eligible purchases In
additkxt to low prices. Get the details at www.Shoppers
Advantage.cc Chase, where you'll be identified as a Chase
r eligible for this special TAlegiant offer.
This Statement I ts a Facsimile - Not an original
: COWW1 Fis3333506 000 N 2 4 GW1724 P.O. Icell 056M MAMA 24727 0241 000W600024721
11
16/46 Address Change Request
Please provide information below only if ON 4 dkh-- Information on front Is IncorreU.
Street Address: - -?- ------ ----------
City: --'---------'---- ---
Sate:
c
zip, ----- ---1
-
Home Phone: --'- --- -j --_--
Work Phone: --- --- ? --
E-mail Address: -------? ------ -----------
L
hu', tla Moan Yew Anpnf dale they am posted to your account or 1% last day of the bilging cycle. This
led er Stoloa Cede: Plane report your lost or stolen card Immediately by gives es that, days daily balance. A crsM balance is treated as a balance of
coding the Customer Sella number found on the hot t of your statement. zero. If a day periodic rate &Miss to any feature. we muldiy to daily
Advisors are at" available to assist you. You an ch an Advisor by balance by the defy periodic rate to gat your perkdk finance charges for
pressing 0 after you eater your cocoon number. that day We tan add these Periodic finance charges to your daily balance
mfl of PennantsPennants:
For
Payments
x
by re
mall,
fo
rd
ts to gat the beginning balance for due rwd dry. (If more than one dathy periodic
rate could apply based an the average daily balance
wo will use the dally
des esi
your moflmum
office box o
alp
t
your an payment
to
shown
by mail m
io this Your payments for pry
no
sed
payments
t comply with the ,
periodic We that applies for the average dally balance amount at the ant of
1x
irstruct
k
ns on hisstatement and must be made by c
eck or money ofdr, the billing cycle to calculate the daily periodic Ananc r charge each day.)
payable in U.S. Dollars, and drawn m or payable M ugh a U.S. financial To get you total periodic Finance charge for a billing cycle when a dally
Institution or the U.S. branch of a foreign financial ins flon. Do rtot send periodic fate(s) applies, we add all of the daily periodic finance charges for all
cash. Write your amount number on your dads or in order. Payments features. To atermkte an average daily balm, we add your daily balances
must be accompanied by the paymet coupon in the ps provided with and divide by the number of the days In dire applicable billing cycle(s). If you
our address visible through the errveep windour, a smelorm anrot mum" Me eye" daily balance for each feature by the applicable daily
corm more than one payment or coupon,, and tar can be no stogies, periodic ate, and then multiply each of these results by the number of dally
paper dips, tape or correspondence included with Payment. If your in the applicable WNng cycle(s), and than add at of the rauf s takedher. the
Payment is in accordance with our payment instr ons ofd is made kfal will also equal the periodic fiance charges for the killing cycle, except
available to us on arty day except December 25 by 1: 0 p.m. local time at frminor valatonadua to rounding. To gatyourtotel Periodic Bnacocharge
out postofheeboxdesignaredforpymetson this s am. We win credit for a bill g cycle who a monthly periodic rata(a) applies, multiply the
the payment to you account as of tat day. If your ant Is in accordenco average it* balenafor each feature by the applkaWe monthly posiodic rate
with our payment Instructions. but is made available us after 1:00 pm. and add the results together. The total will equal she periodic Amence charges
local time at our pod office boxdedgnated for payer s on this statement for the biling cycle, except for minor variations due to routing.
we wig cram it to you account as of the nod day. If u do not fallow our Grose Perked (at Ind 20 *eye):
Payment Instructions or If your payment is not sat b
i regular U.S, mail to We accrue Periodic finance charges an a transaction, fee, or finance charge
our poor office box deaphaedfor Payments, cred
ting fyour payment may from the date it Is added to urdaly balance uit p n full is
be delayed for up k 5 days. Payments made nkaly Ihfoughh our received on you accout. However, via do rat charges peridicfifancs
automated telephone service. Customer Service edvi is, or our web ate charges on new purchases billed during a WIArg cycle If we receive both
will be subject to any processing times disclosed tot se payments. payment of your New Balance on your current statement by the data and
Acate d Information RapdM to Credit Bona : We may report erne your payment is due and also payment of your New Balance on your
information about your account to credit bureaus. payments, missed previous statment by the dateand time your payment was due. Then is no
payments or other delauhs on your account may be eat in you credit grace period for balance transfers, cash advances, check transactions, or
report If you think we have reported inaccurate in matron to a credit overdfaNadwances.
bureau. you may write to us at the Cardmember S e address listed on Is addtttos. N tlon is a `BMylp Profmgtted Flnogiq' pain an
yourbilNngstetement IN* aYNraed. you win not incur periodic finance charges on any
Nodae Abed Eeelpok (kook ComrNac When yo Provide a check as Remaining Bella that appears in it* section R you Pay that balance in NII
payment you authorize us mar to use information ho you lack to make by the appAcatis Expiration Data. To avoid finance c "a an new
a cna-time electronic fund transfer from your ace t or to process to purchases wean your New Solstice includes any Remaining Balance(s) in
payment as a check Instruction. When we dime informa n from your deck the Ouallykhg Promotional Financing section. pay your full New Balance
to make an eMC[roMc fund transfer, funds may be (awn from your minus tha total of tap Remaining Bdm(a) by the data and time your
account es soon as the same day we receive your and you well not payment is due. However, if your Moment shows that a minimum payment
receive your creredt bacir from your flnanetat instac' . Cal the customer is due, immure receive at iseslthatmirrimum paymem by the dateand time
service number on this stammer if you have gdlead s about dectronic specified on your statement evah if your New Balance consists only of
check collection or do not want yew payment cdec emecbanlcaly. Oually g Promotional Financing balance.
CohABeod Payfoege: Any payment check or other rm of payment that Also, for some Oualifying Promotional Fiamdng balances, periodic firwncs
you send us ter less than the hail balance due that Is diced 'pail in fair or charges accrue during to promotional grid bur are not added. k your
contains a similar notation, of that you otherwin In full satisfaction account balance. Instead, they accumulate from feeling cycle to billing cycle.
of a disputed mount must be sent to Card Servic , P.O. Box 15049, This Is referred to as 'deterred interest' it a deferred interest Qualifying
Wilmington, DE 19850-5049. We reserve all our rij to these Promotional Financing balsncs is not paid in M by the applicable Expiration
payments (e.g., it it is determined them is no valid dt re or it arty such Date, the deerred Anaha charges will be added to your account as soon as
check Is recoved al any other address, we may scoot the check and you the first day after the Expiration Date. Further, d you dsfaalt under the terms
ma still owe any removing balance). we may retu to accept cry such of your Card member Agreement the deferred (names charges will be added
payment by ntuming it to you, not coshing I[ or troying it AN other to your account at soon as the date of default
payments dwyou make should beso,orth pPdoPd epaymantaddrees. BIWNBfBfdlTiBUMMIIRY
An" Removal Neap: If your scam! has sh am fail, it will be billed is Cate of Eeas W Begotten Abod Year Bile: I f you think your bat is
each year or in monthly instellmante, whelherar not u use your account• wrong. ofif you need more information about a transaction on your bid. write
and you agres to pay It when billed. The of lee is n-fefundaWe alas Cardmembof Service on a Wrote sheet at P.O. Bolo 15299 Wilmington, DE
yo u notify us that you wish to dose your Mcourt wish 30 drys of the data 19850.5299 as soon as possible, We must her from you no later than 60
we mail your statement on which tie annual fee la tea and at the same days after we sent you the first bid on which the error or problem appeared.
time, you on your outstanding balance in fill. Your pi tmied of tea aonual You ion tallithim us, bid doing so will not preserve your rights.
foe does not affect our rights to dose your account an
mate transactions an your aocoont. if your accoml is to Ilmht your right to
based by you or us, In your letter, give us the following information.
we will continue to charge the annuY fn unit you your outstanding 'You( name and account number
oalanm in NA and terminate your accoum r , drip • The dollar amount of the suspected error
Explanation of Fir coon ckahtec We calculate pedo finance charges. • Describe the error and explain. if you an, why you believe there is an error.
using ft applicable periodic rates shown on die star t,ant, separately for If you need more information, describe the item you are Unsure about.
each feature (e.g., balance transits a mensnce chec
' and ash advance You do not have to pay any mount in question while we are investigating,
checks f check transaction
), purchases, balance ban n, ash advances but you are st8 obligated to pay Me parts of your bill that are not in
promotional balances of overdraft dvmces). Thed i calculations may question. W1ie we irweaigeN your question, we carrot report you as
combine r iffaot categories with the some daily pe
-
° to rates. If two Is a delinquent or take action to ailed the mows you question. it you have
Y
next to a periodic ale on this aatment that to may vary, and the authorized us to pay your credit card bill automatically from your savings or
indexand margin used to determine tat rateand ism responding APR are checking account you can stop the payment on any mount you think is
described In your Cardmmber Agreement, as ended. Then Is a wrong. To stop the payment, your toter or at (using the Cardmmber
minimum finance charge In any billing cycle In which u owe ant pedodlc Service address or telephone number shown an the statemen) must reach
finance charges, and a transaction finance charge for balance transfer, us at least three business days before this automatic payment is scheduled
cash advance, or check transaction, in the smot its stated in your to occur,
Carstnmber Agreement as mended. Spoil Rue for Credit Cord Pddaap: If you have a problem with the
To gat the deity balance for each day of the wrrent in 9 cyde, we take the quality of goods or services Mat you purchased with a credit card (exduddng
oegiming balance for each Ieaturo, add V
ow trines
(including fees
unpaid finance charges and oMer ch
ona orotw debits
(gas)
subtract any
Purchases made with a check), and you here trill in good forth to correct
,
oaymens or credits. and make other Ausmems. T ,
ors are added the problem with the merdram, you may not have to pay the remaining
amount due on the goods or services. You have ails protection only when
as 3f the transaction ate, the belynnftg of the testing a in which they are the pu rebus price was more limn $50 and the Purchase was made in your
nested to your account or a sayer data of our did (except that check home state or within 100 miles of your maiMhg address. These limitations
transactions are added as of the date deposited by the ayes or a later des do not apply if we owe Of operate line merchant, or if we Mll led you the
3f our choice). Pees are added either on the ate of a ad transaction, the advernsmant for mat property of Services.
MA021247
Statement for account number: 7863
New Balance Payment Due Data Past Due Amount Minimum Payment
17/46 $9,561.38 03120108 $0.00 $252.38
ff Maka yow cHlaek payable to Chase Card Services.
Amount Endorsed I New eddrea a o-maA? Print on back.
8630002523009561380000000
CHASE O
Pt:ftas6 Credit CaM
www.chasepayyourtaxes.oomitax
23658 SEX Z 05506 0 '.,
HEATHER M WILLIAMS
218 INDIAN CREEK DR '..
MECHANICSBURG PA 17050.25213 CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19OW5153
InrlllnliilunlrlrliurnlllrirlurlrlrMlnurlllulurllrl
1:5000160281: 20310S69 37863Silo
Open posing Date: 01/25108 - 02124/08 CUSTOMER SERVICE
Due
CHASE O P
52 8 Es
1
P
ayment Due; lot
pa
$2
-888 830
TDO 1-800-955-80130
Pay by phone 1-8004367958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Amount Number: 7803 1-302-594.8200
Previous Balance $9,482.28 otal credit Line 500 ACCOUNT INQUIRIES
$9
Payment, Credits 4189.00
vaUade ?edit ,
P. Box 15298
$0
Purchases, Cash, Debb +$203.44
Cash Access Line Wilmington, , DE
DE 19850-5298
$9,500
Finance Charges +$84.68 Available for Cash $0 PAYMENT ADDRESS
New Balance $9,561.38 P.O. Box 15153
Wilmington, DE 198665153
VISIT US AT:
www.chase.com/crediticards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant N ms or Transaction Description Credit Debit
Finance Charge
Daily Periodic Rate Corresp. A erage Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Batance Periodic Rate Fee Fin Charge CHARGES
Purchases ,02189% 7.99% $4,144.77 $28.13 $0.00 $0.00 $28.13
Cash advances V.06025% 21.99% $0.00 WOO $0.00 $0.00 $0.00
Balance transfer .02189% 7.99% $5,386.01 $36.55 $0.00 $0.00 $36.55
Total finance charges $64.68
Effective Annual Percentage Rats (APR): 7.99%
Please see Information About Your Account far balance computadon method, grace period, and otter important information.
The Corresponding APR is the rate of Interest you pay when you Arty a balance on any transaction category.
The Effective APR represents your total finance cir rges - including transaction fees
such as cash advance and balance transfer fees - xpressed as a percentage.
IMPORTANT NEWS j
Use
Leam
your Taxes Today With No Delay.
r Chase Credit Card to pay your State,
Local and Federal taxes.
Is quk:k, convenient and secure.
?re at www.chssepayyourtaxescom/tax.
IrrJIlJrdrrld.rlr.lLrrLlr.rJldrlrrrlLJdrrJlrrll0.1
This Statement s a Facsimile - Not an original
X OD0000 f F1933335 0 8 000 N Z 4 08=114 Page 1 .11 05686 MA MA 23659 05510000080002385901
18/46 Address Change Request
Please provide Infomhetlon below only if the addri information on front Is incorrect.
Street Address: ------f -----------
City --- --+------
State: --
Zip: ----- ----
Home Phone: - --?-
Work Phone: ---f'-
_._--- -
- ?- - - - - - - - - - - - -
E-mail Address: --
L
lafewaelss Abed Yaw Removal We they era posted to your account, or the lad day of the billing cycle. This
Lod or Slides Cards Please report your lost an stolen card mmedistely by gives us that days daily balance. A credit balance is treated as a balance of
calling the Customer Service number found on the front of our setemant, zero. if a dally periodic rate applies to any future, we multiply the daily
Advisors are always available to assist you. You an reach an Advisor by balance by to dally periodic rate to get your periodic finance charges for
pressing 0 after you enter your account number. that ay. We then add these periodic finance charges a your dairy balance
T CrWular ,send at lent to Qetthebegunringbalance for the next day. (limorsthan one daiypenocc
your mry of psyatee m For payments by rag rate could apply based on to average daily balance, we will use the dally our
box your minim um payment due to Your payments be ma des for payments Pdodic rate that applies for the average daily balance amourd at the and of
?ea shown io pule statanerN. Your and must b m mail must y with air, the billing cycle to calculate the daily periodic finance charge each ay.)
payabctans an this atetemant end must be made by uieck r money order, To id ou[ Vital periodic firar ka charge for a billing cycle when a daily
payable i i U.S. Dollars, and drawn an or payable through US. f rands To godie roe(s) applies, we still all of the dally periodic finance charges for all U.& final s h. Wri or Of cco Drench of a n your check o in n. Da not send features To determine an average daily balance, we add your dally balances
cash. Write your account number on you dude money rider. provided d Payments S and. dhda by the number of the days in the appOcable WM cycle(s). If you
must be accompeded by the payment coupon in the wriek a provid
mold the average dally balance for each feature by the applicable daily
our address viable through to envelope window; the wallops cannot PIy
contain more than one payment or coupon: and Mare be no staples, Perfodie rate, and then multiply each of these results by the number of days
paper dips, tape or coneapondence included with your yment. If you in the appir DOiifg cycle(s). and than add all of On results together, the
payment is in accordance will our payment Instu ' and is made total will also equal the periodic finance charges for the biBrtg cycle, except
except December 25 190 .local time at for mkrorvariatorhsduetotounding To get your totalpalodcfkhance charge
available to ce or airy day Y P for a billing bill when a monthly periodic rate(s) MOM, multiply the
outpost en t boa designated for payments an this amon we will dance rage dairy balance for each feature by the applicable monthly periodic rate
the payment to your account as of but is ma. If yauapaymant In accordance and add Me resists together. The total will equal the periodic finance charges
will our payment instructions, but is made for payments u after 190 p.m. for the billing cycle, except for minor variations due to rouWng.
local we will eat our to your our account boxccount d as ssl gna f the ed foor ". It y this follow our
we will credit it t o ne d f You U.S.mai to We accrue e pal (d NW YS Mel
payment instruhsiy aorw or if your peymant Is not sent by a We periodic finance charges an a transaction, tee, or finance charge
our post office boxdesigndadforpayments, craft got ofpayhnantmay from the date it is added to your day bendce until payment in full Is
be deal for up to 5 days. Paymenis made dedlemi IY through our received on your account Hower, we do not charge periodic finance
automat telephone service, Customer Service advisors or our web site charges an new Pumhaeaa baled during a billing cycle if we receive both
will be subject to any processing fimes disclosed for payments. payment of your New Balance on your current statement by the date and
Accused tefomatlm Reported to Credit Bar@&= may report tine your payment is due and also payment of your New Balance on your
missed previous staismem by the date and tine your payment was due. Thirsts no
informal about your account to credit bums. Late ants.
payments or other ddauiM an your account may bereft ad in your credit grace period for balance transfers, ash advances, check transactions, or
report. II you think we have reported inaccurate info on to a credit Overdraft advances.
bureau, you may write to us at the Cardmember Service address listed on 1. adds, It tole is a -021 lp premdleW FNaaelep_ SeWso Of
your billing statement this ddeened. you coil not incur periodic finance charges an any
Ilalke AIW Electronic Cbek Cwmsiea: When you p ovida a check as Remaining Balance than appears in that section t you pall that balance in full
payment you authorize is still to use Information from a check to make by the applicable Edplrason Data. To avoid finance charges an new
a one-we elachoMe fund transfer from your account r to process the purchases when your New Bduri Includes any Remaining Bdancial in
payment as a check transaction. When we use Informal from your check the oualiying promotional Financing section. pay your full New Balance
win from your minus the total of those Remaining Balance(s) by the dots and time your
to make an electronic fund transfer, thada may he
alemunt as v yoouroo ne& back acA kfrom yo ur fkwhcl t your n . I the customerr is due, we m recce id I eat that min mum opaymord by the ate and timde
service number an this statement If you have qussfi about electronic specified Promotional anFinancial ent even bean of New Balance consists only of
check collation or do not want your payments collected lectronicdy ty 9
CeaOwel Payments: Any payment cheek or other for of payment that Also, for some Qualifying Promotional Financing balances, periodic finance
r that )you is et 0 in full satisfaction acauird baaccrus lance. Instead, they accumulate late period but are not from bi ling cycle tobilanling your
you a similar notation, o kill
of a disputed amount mud be sent to Card Services P,O. Box 15049, This is referred to as `defared inteartV if a deterred interest Oalaying
Wilmington, DE 19850-5049. We reserve all our Tight regarding Mess PromotionalFinaricrdgbalance isratpddin full by the applicable Expiration
payments (e q., it it is determined there is rte valid d' ue c r if airy such Dale, the deferred finance charges will be added to your account as soon as
check is received at any other address. we may accept a check and you the first day shot the Expiration Data. Further, It you default under the terms
with still owe any remaining balance}, We may refhse accept any such of your Caromember Agreement, the deferred finance charges unite be added
payment by naming it to you, rot cashing it or des trying it. Al other to your account as soon as the data of default
payments that you make should be sent to the appropd payment address. BRIINORIfiRSSUNRORRY
Mead Ruarat Nelkec If your account has an annual lee. it will be billed M Case of Emu or Blossom Aked Year NB: If you tank your bill is
each year orin monthly installments, whethetor rostra useyouracmunt• wrong, or if you awed more information about a transaction on your bill, write
and you agree to pay it when billed. The annul tee is n -refundable unless Cafdnember Service an a separate shed at RO, Sot 15299 Wilmington, DE
you notify us tat you wish to dose your account within 0 days Of tide ate 19850.5299 as soon as possible. We most hear from you no taller tan 50
we mail your statement on which the annual tea is char d and at the some days after we et? yous, u b the dofirst bill ing se on will which the am your or problem appeared
time, you pay your outstanding balance in fug. Your p ant of the annul You a fee does nor affect our fights to close your account and o Omit you right to th your letter, give us the following Information
make transactions on your account. If your account Is loud by you or us, ,Your name and account numbs
we will continue to charge the annual fee until you your outstanding
balance in fug arid terminate your account relationship, • The dollar amount of the suspected error
Exploitative d Finance Chaps: We catcuwte Pad finance charges, • Describe the arorandexplam, Ill can, vill belfevethere isamerroc
using the applicable periodic rags charm on this ore ant separately for If you need more informers, describe the item you are unsure about.
each feature (e.g., balance tranaferlconvauena ulnae and cash advance You a not have to pay any amount in question while we are Investigating,
checks ("check eransecdol pure aaea• balance ban rs, cash advances, but you are still obligated to pay Me parts or your bill that are not in
promotional balances or overdraft advances). calculation may question. While vac investigate your question, we cannot report you as
combine different ategorles with the same del pen rates. 11 there is a delinquent or take action to collect the amount you question. If you have
"V" next to a pentoche rats on this statemam, gat ra may vary, and the authorized us to pill your credit card bill automatically from your savings or
index and margin used to determine that ate and its cc resporating APR ate checking account you an sap the payment on any amount you think is
described in you Cardmember Agreement as ended. There Is a wrong. To stop the payment, your letter or call (using the Cardmember
minimum finance charge in any billing cycle in whidr )u owe ary, pedocc Service addressor tdephone nunbef shown on this statement) must reach
finance charges, and a transaction Mines charge fore on balance transfer, us at least Me business days before the automate payment is scheduled
cash advance, or check transaction, in the amot is sated in your to occur.
Cammember Agreement as amended. Spa lid Ride for Credit Card Pwobasec If you have a problem with Me
To got the dally balance lot each day of the current bill cycle, we take the q;helity, of goods or services that you purchased with a credit card (excluding
beginning balance for each feature, add" new transa tons brother debits purchases made with a check), and you have tried in good faith to correct
(including fees, upped finance charges and other rges}, subtract any the problem with the merchant, you may not haws to pay the remaining
payments or cradits, add make other adjustments. T sections are added amount due on the goods or services. You have this protection only when
as of the transaction ate, the beginning of the billing de in which they are tin purchase price was more than .650 and the purchase was made in your
posted to your account or a later date of our choi (except the check hone state or within 100 miles of Your mailing address. These limitabrs
transactions are added as of me date deposited by payee or a later data do not apply if we own of operate the merchant or it we mailed you the
of our choice). Fees are added either on the date of a r aced transaction, the advertisement for the property or services.
MA021207
Statement for account number. 7863
New Balance Payment Due Date Past Due nt Minimum Payment
.926.01 04/18108 $0100 $179.00
19/46
Make year p.y.bla to Chase Card &wvtcm.
Amount Enclosed ? New address or. mail Print on beck
786300017800008926015580651
CHASE O
l
I want t?pulchast RIM
Chase am
Plan. rvereareon bad b" d
Diedosuecmensis a
2493 aEx Z 084060 L rJ16L,LJilii6illi,il,lrir,11.1iLiiIL.LLi.I1,iIliJ
HEATHER M WILLIAMS
INDIAN CREEK DR
I
CARDME SERVICE
HANICSBURG PA 17050-2528
MEC PO BOX 15163 5153
WILMINGTON DE 19886-5153
1: 5000 160 281: 03 10 569 3 7a 6 35"m
Openingl g Dab: 0212501 - 03124108 CUSTOMER SERVICE
CHASE O Payment rimum entDue; '?e00 Ep U.S. 1-9"888446.3308
TOO 1.800-955.8080
Pay by phone 1-800.436-7958
'., Outside U.S. call collect
1-302-594.8200
VISA ACCOUNT SUMMARY IccountNumber. 7883
ACCOUNT INQUIRIES
Previous Balance $9,561.38
Payment, Credits 41,252.38 To
A 9 Credit Line
liable Credit $9,500 P.O. Box 15298
$573 Wilmington, DE 19550-5298
Purchases, Cash, Debits +$558.29 Ca It Access Line $9,500
$573
Finance Charges +$58.72 Av liable for Cash PAYMENT ADDRESS
New Balance $8,928.01 , P.O. Bpi 15153
Wilmington, DE 19888.5153
VISIT US AT-.
vraw-chase.corNaed!ec rds
TRM3AGTl0Nb
Trans
Dab Reference Number Merchant Na A
or Transaction Description Credit mount
Debit
03/15 10 7 114014389 P - nit You 1.252.38
03115 742881150783487114014384 SPAY FEE 9.95
03117 24071 7108114645 SUPERS #7 MECHANICSSURG PA 89.21
03119 24224438080172433400724 FRIENDLY IC CREAM CAMP HILLPA 51.58
0312024892188080000538315071 MKIMPRES S800?827-9577TX 72.07
03/20 24310338080000352754115 f6e 801 8524100 UT 29.95
03121 2489218806 MK' WEB PAGE 972-272-9333 TX _ 25.00
0311924 1076 2808089396823 RITE AID ST RE 4818 MECHANICSBURG PA 10.91
03f2/24.2168082000855488129 GIANT FUEL MECHANICSBURG PA 49.95
0 3/21 24 7 928 28 08710 0 0 99 4 01 330 BURGER KI 85807 007 MECHANICSBURG PA 14.87
03/21 2479282 1091 RITE AID RE 4818 MECW NIC35UKU PA 37.22
03121 24792828082591092594172 RITE AID S RE 4818 MECHANICSBURG PA 24.13
03x21 2444600BOdZ230577281944 BJ WHOLE E 80025 WOX HARRISBURG PA 21.45
03/23 24228388083380570018993 WM SUPER LATER MECHANICSBURG PA 1010&77
03122 24T926Z5053591 I OB433171 RITE AID RE 4818 MECHANICSBURG PA 13.31
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Conesp. Av a Daly Due To Transaction Accumulated FINANCE
Category 29 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02189% 7.99% $3,841.86 $24.39 $OAO $0.00 $24.39
Cash advances V.05819% 21.24% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .02189% 7.99% $5,407.87 $34.33 $0.00 $0.00 $34.33
Totel finance charges
$58.72
Effective Annual Percentage Rats (APR): 7.99%
Please see information About Your Account sectW for balance computation method, grace period, and other Important i nformation.
The Corresponding APR Is the rate of interest you ay when you carry a balance on any transaction category.
The Effective APR represents your total finance cis rges - Including transaction fees
such as cash advance and balance transfer tees - xpressed as a percentage.
M RT NEWS
-
Unlimited lot 3 long distance calling for $24.99/monthl
Try
o or vlffi
f month
7V
1
-
yonage
w
ww v 91
oparatea differently
onnagge
operates
ngs33
See www.vonat .conygl1. Additional fees 8 restrictions apply
By respon I confirm that I am a Chase customer.
Save on d g, scaviles, hotels a more with Great Fun.
Leant at www.GtesNtnsite.com/Chase,
and you If be Identified as a Chase cerdmember
e 'led to this great Triiegiant offer,
inci ing $20.00 Cash Back for dining!
This Statement a Facsimile - Not an original
0000001 FIS33335 0 1 000 N Z t OWTV Page 1 or 1 05686 MA MA 24493 08410000070002449:
INS13009 94512999 iNS12679
20/46 Address Change Request
Please provide Infownation below only d the adldress kNormation on front Is incorrect.
Street Address: - ----- *----------------
City - -----'---'-----
State: --
--
Zip: %
Horne Phone: --- --- --1--
work Phone: --- --- --?.--
E-mall Address: - -----{.---------
L
Idenedn Meal Yew Aaand date they era posted to your account, or tie leer day of the billing cycle. TMs
Last p Shdsn cart Plesse report your lost or stolen c nil Immediately by gives ns that days daily balance. A credit balance is treated as a balance of
If a daily periodic rate applies to any feature, we muill Me daily
Zero
calling the Customer Senile number found on the front
Advisors are ahveYs milli to assist you. You can .
f your statement.
eh an Adnsor by balance by to day periodic rate to gat your periodic finance charges for
pressing 0 after you enter your account number. Out day. We then add stem periodic Ona ce charge to your dally balance
to get the beginnkq balance for she need dry. (If more than one daily periodic
CrerNiq of "@*: For payments regular U.S,
your minimum payment due to our poet Office bet des' ail, ford at meats rate could apply based on t ho average daily balance, we will use the daily
atom for payments
f
Your payments by mall m
shown on thin statement periodic nab that applies for the average daily balance amuhmt at thr std o
tarpon with the
.
and must n be mods by
on
tltis
instructions the hiring cycle to c"sat the dairy periodic friends large each day.)
k ormanry order,
payable in
Dolan, arM drawn
U.S
.
payable awn an or paydle throu a U.S. flnandd To flat yaw robs-pana& tkarlds dtharge for a biking qdm when a dally
we add all of for dainty periodic fhyltce charges ford
pefodie rab(a) apples
institution, or the U.S. branch of a forei{ph finandal estt
cash, Ole your account number on your dark or man ,
tlim Do not said
order. Payrxeps haturee. To determine an avem pdaky Cores. we add your dolly baletoes
moat be accomppded by the payment coupon in the
our address visible through the envelepe window: NI opt provided with and diwda by the number of the days in the applicable biking cyelal). If you
erweldpa partner multiply the avenge daily balance for own %Km by the applicable day
rotrain more then one payment ur coupon; one sans be no staples, periodic ate, and Meet multiply each of two results by the number of days
and gist add ale of the results together, the
in the applcable billing cycle(s)
paper trips; tope or comnpondence I "odad widt yo
payment is In accordance with our payment instro ,
payment. ff yew
acrd is nude rod wW ab0 egual the peAadk franca charges tat the billing cycle accept
available to us on any day except Dezember 25 W 1:0 p.m. local time at forminorvs4tons duets Founding- To getimurtobf peAodie linerrsdarge
for a billing cycle when a monddy periodic ah(s) applies, mcitti the
ourpoatoficebadesignated forpaymemsanthis As
thepaymemro youruccuriesoffeatday.lfyourpeym ant, we will credit
-Ice In accordance average dalybalance far seen feature bytinapplicable monthly periodic rate
Mth our Payment Instructions, but is made a idable to us after 1:00 P.M. and add the renOle together. The told will equal to periodic finance charges
local time at our post office box designated for paym an this statement for doe billing cycle, except for minor vermdons due to rounding.
we will credit it to your Account as c f do neat day. If yo do not follow our areas Pined ism WW 20 Jay*
payment Instructions of If your payment to not sent by Bar U.S. mail to yty accrue periodic Mance charges on a transaction, fee, or finance large
our post office boxdesignated forpaymenb,aed"o your Payment may tram rte date It is added to your daily balance until payment in full is
be delayed for up to 5 days. Payments made electron ically though cur received on your account. However, we der not charge periodic finance
automated telephone service,. Customer Service sdwso , or our web site Barges an new purchases billed during a billing cycle h we receive both
will be subject to any processing times disclosed for the payments. payment of your New Balance an your current statement by the data and
Aced IeferwtLa Repedehi to Chit Bast We may report time your Payment is due and also Payment of your New Balance on your
information about your account to croft bursew. Late payments, missed pr"tar; statement by the dose and tlme your payment was due. There is no
payments or other defsdte on your account may be rel1 cited In your credit grace period (of balance members, cash advances, check transactions, or
report if you funk we have reported inaccurate info anon to a credit overdraftadvances,
bureau, you may write to us at the Cardmember Servic address fisted on is aaatiN, ff taM Is a'DWN" Pr=ad Raw i asatien es
your billing statamant tats sW@nmeL you will not incur periodic finance charges an any
Net" Meat E7seOesk Cheek Counsel When you rovide a check as Remaining Balance tat appears in Ura section t you pay that balance in lam
Payment you authorize us either to use informatonfrom Four check to make by the applicable Evpidon Date. To avoid Mahe charges on now
Beience(s) in
Remainin
s
o
w Bala
ce includes a
h
r N
th
h
a one-time electronic fund hands from your accoUr
paymwdas a check baaacton. When we uselnloma g
n
ny
a
es w
en y
or to process
e purc
u
o
a ham your check gds Duiifyatg Promotofal Four" section, pay your full Now Balance
to make an electron c fund transfer, hands may be drawn tram your minus the total of those Renteinktp Bolence(a) by she date and din your
acwunt as soon as the same day we receive your painnu it -' and you wile rat payment is due. However, if your slabmem shown Met a minimum payment
receive your check be& from your financial W40D ten Cal the customer Is dha, we must receive at tent the minimum payment by Oo debsMims
service number on this statement If you have quest a about electradc specified an your statement. wen It your Now Balance consists only of
dock collection or do not want your paymemn collected ehevorocaft Qualifying Promotional Financing balances.
Conditional Pnmi t: Any payment check or olhec fo of payment that Also, for some Ouailying Promotional Financing balances.. periodic firence
you send us for less than she full balance due that is Ma "paid In fur or charges accrue timing the promo larol period but are not added to your
contains a similar notation, or that you otherwise furde in full satisfaction account balance. Instead, they aoamuMe from billing cycle to billing cycle,
of a disputed Amout, must be sent to Card Service , P.O. Box 15049. This is referred to n "deferred ktensL" If a ddemd interest Qualifying
Wilmington, DE 19850.5049. We reserve ail our d regarding these Promotional Anointing balance is riot odd In full try the appfoabbExpiration
payments (e.g., if it is determined there is no valid ON rte or if any such Date, the deferred finch" Barges will be added to your account as soon as
check is received at any other address, Yoe may &ow the check and you the first day after the Expiration Date. Fuller It you default under the tams
wall still awe any, remaining balance). We may refuse accept any such of your Cardinember Agreement, the deferred finance charges will be added
payment by returning a to you, not cashing it or des eying it M other to your account as soon as tin dab of default.
payments that you make should be sent to the apphopri paymentaddress. BILUR6 MOM IMINNU RY
Asnd Renewal Wier. If your account has an annual tee, R will be billed in Can of Ems w Q"sllen Mein Yew BIN. If you think your bit is
each year or In monthly installments, whether or not yo, use your account, wrong, or If you need more infomabn about a timmuctlon on your bill, write
and you agree to pay It when billed. The annual fee is n -refundable unless Cardmomber Service on a separate sheet at PO. Box 15299 Wilmington, DE
you rosy us that you wish to dose your adtaant yAttin 30 days of to data 199505299" soon as possible. We must hear train you no leer than BO
we mail your statement an which to soma! fee is cha Ad and at the same days after we set you the first bill on which the error or problem- appeared.
time, you pay your outstanding batanca in fut. Your ant of the amunl You can telephone us. but doing so will not preserve your rights.
tee does not affect our rights to dace your account and Olin
your right to In your letter, give has the following Information.
make transactions on your account. It or aeCaunt Is
you
we will continue to charge fie annual fee untll osed by you or us,
your outstanding • Your name and account number
balance in fug and terminate your accohint rele
tiansf • The dollar amount of the suspected error
pe
Explns#m at Finance Clgryss: We celchrlete rio firhanca charges, • Dexribe the error and expta rt if you can, why you believe there is an error.
using the applicable periods rates shown an this
sb ant sepwrately for It you need more information, describe the tram you am unsure about.
each feature (e.g., balance transfer/cotwe'" come and r.esh advance You do not hews to pay any, amount in question wthke we are mvestgalmg,
balance tram
Checks ("check tranaactioni purchas1 n, cash advances, but you are suit obligated to pay the parts of your bill dab are not In
.
promotional balancess or overdraft ces). The calculntons may question. White we kwesigete your question, we cannot report you as
combine different catagodes Mtn the same daily pa a rates. If there is a delinquent or take action to collect Ow amount you question. If you have
"V" next to a periodic rah an this statement Met re ay vary, and the aulhodnsd us ro pay yourcadtt card bkl autcmatcaky from your swkhgs or
index and margin used to domino that rate and its c onding APR are checking account, you can stop the payment on any amount you think is
1,
described In your Cardmember Agresmat, as a ed. There Is a wmi To stop the payment, your later or call (using me Cardmember
minim ten f noncechips h any billing ryde inwhich we any periodic Service address or tataphone number shoran on tis statement) must reach
finance charges, and a transaction finance charge for ch balance transfer, us at least mree business drys before the automatic payment Is scheduled
cash advance, or check transaction, in the ono stated in your to dour.
Cardmenber Agreement, as amended. Spend Role for Credit Cale Purchases: It you have a problem with the
To gat the daily balance for such day of the current bla cycle, we bite the gvegy, of goods c r services that you purchased Milt a credit card (excluding
begeming balance for each feature, add any new transac tions or other dabts purchases made with a checki and you have tried in good faith to correct
undudirw fall, unpaid finance Charges and amts rgss), subtract any the problem With the merchant, you may not have to pay the remaining
payments or credits, and make other ed)esbrheds. T tons ore added amount due an the goods or services. You have this protection only when
as of the transaction dab, the beginning of the billing n which they are the purchase price was more plan $50 and the purchase was made in your
posted to your account or a later date of our chci cept drat duck home slate or within 100 miles of your mailing address. These fl diatoms
4
bdnsactions are added es of the doe deposited by th of a later data do not apply it we own or operas the mechant, or if we mailed you the
of our choice). Fees are added afhef on the plate of a the advertisement liar the property or Services.
.1'stmetiOn,
MA021207
Statement for account number: 7863
New Balance Payment Due Oats Pau Due nt Minimum Payment CHASE
21 /46 $9.554.66 05119108 $0.00 $245.86
Amount Enclosed Maka yeY elrsek payable to Chase Cord 8ervirwa.
New eddro?ls a o-maN7 Print on beck.
78630002458?009554860000000
24M SEXZ11SWO 'L..IIIrLrLJd.rlrrllr.rLLrrJLldrr.IlrrLlrrrlLdLrl
HEATHER M WILLIAMS
215 INDIAN CREEK DR CARDMEMSER SERVICE
MECHANICSBURG PA 17050.2526 PO BOX 15153
WILMINGTON DE ISSM5153
Ir,rlllurlllnnlrlrllr,r,rlrlrlrln
X
4500016028s: 2031056937a635"-
Open! Closing
Date: 24
1
03/25!08 - 0
CUSTOMER SERVICE
CHASE O MMk Me Date:
P
t D /
91
08
In U.S. 1-800-945-2000
n a
ymen
ue:
$245.86
EspaAOl 1-888-4483308
TIC 1 1000.9554080
Pay by phone 1300.436-7958
'., Outside U.S. call collect
VISA ACCOl114T SUMMARY Account Number: 7803 1-302-594.8200
Previous Balance $6,928.01 otal Credit Line 500 ACCOUNT INQUIRIES
$9
Payment. Credit -$200.00 vallaWe Credit ,
B
g
$0 P
Purchases, Cash, Debits +$764.88
ash Access Line t
ton, DE
mington,
E 19850
$9,500 Wilmington,
Finance Charges 4$64.17 vallable for Cash $0 PAYMENT ADDRESS
New Balance $9,554.66 PA. Box 15153
Wilmington, OE 198865153
,.. VISIT US AT:
www.chase.com/credtcards
TRANSACTIONS
Tram Amount
Date Reference Number Merchant or Transaction Description Credit Debit
0324 2416407 32 T T 00022020 ME R PA 1.
0324 24228388084380597003783 WM SUP R MECHANICSBURG PA 55.47
0323 24427338084710007952148 DIENNY S I MECHANICSBURG PA 32.95
0324 24755428085120851445910 THE S E
E E
EP7 0443 CAMP HILL PA 29,95
0323.24445008084233853978888 WENDYS 025 MECHANICSBURG PA 24.63
0325 247928088891128119974 RITE AID ORE 4818 MECHANICSBURG PA 17.32
0328 24129428088100004817556 PIZZA GR LEMOYNE PA 17.73
-#1848 A IC CITY NJ 31189
241
WKEM
S 190 A 71-ANTIC CITY NJ
18.10
0329 24075058080987102819720 BROTHERSI DINER INC MECHANICSBURG PA 31.93
0328 2481 137 DRESS BAR N #0280 ATLANTIC CITY NJ 32.98
03/30 24445008081242125752889 KOHL3 7 MECHANICSBURG PA- 20.99
03130 24071051110a'191171 15590499 SUPER S #7 MECHANICSBURG PA 19,99
03130 24792828MG91166883351 RITE AIDS ORE 4818 MECHANICSBURG PA 17.44
03/30 24427338081710009105938 DENNYS I MECHANICSSURG PA 32.91
03/31 242582980001258096 CHEF W MECFiANICSBIIRG PA 27.85
04M2 24323008094253239010558 DORADO __
h
- 24.67
04.04 24299t88095904834308882 JCPENNE ?TORE271
AW
HILL PA
P 21.19
04105 2401339809702087008.5104 CINEMA HIL CAMP HILL PA 18.00
04/0624323008097283023010475 ISAACS CSBURGPA 40.17
04105 24781978097278128019872 TEXAS ROA DHOUSE #2288 CAMP HILL PA 50.83
04107 OVERLIMIT FEE 39,00
04106 24445008098251645221801 SALLY BEA UTY #2418 MECHANICSSURG PA 13,47
04/10 248 188101000925337541 LOWES • MECHANICSBURG PA 17.85
04/12 11041032900005225520288 Payment - T hank You 200,00
04/12 742811851043467220520287 EPAY FEE 9.95
04/10 24195088104980013404894 YESKEY ETING 717-319.8273 PA 44.52
04116 24427338108710014403376 CHICK-FIL- #02187 MECHANICSBURG PA 15.70
04/22 24445000114271685550838 WENOYS 7 025 MECHANICSSURG PA 8,86
042224259028114960001258090 CHEF WCT MECHANICSBURGPA 27,56
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. A erage Deily Due To Transaction Accumulated FINANCE
Category 31 days In cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02189% 7.99% $4,050.34 $27.49 $0.00 $0.00 $27.49
Cash advances V,05819% 21.24% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .02189% 7.99% $5,405.00 $36.68 $0.00 $0.00 $30.88
Total finance charges $64.17
Effective Annual Percentage Rate (APR}: 7.99%
Ptease see information About Your Account for balance computation method, grace period, and other important information.
The Corresponding APR Is the rate of Interest you y when you carry a balance on any transaction category.
The Effective APR represents your total finance ch rges - induding transaction fees
such as cash advance and balance transfer fees - xpressed as a percentage.
This Statement i a Facsimile - Not an original
1000001 FIS33335 0 10 000 N Z 2 4 0erou24 Pe9. If t 05586 MA MA 24049 1151000010000240490
22/46 Address Change Request
Please provide Information below only N theladdress Information on front is incorrect.
Street Address:
Chy: - --- --
State: --
Zip: ----- ---
Home Phone: --- --
Work Phone: -_.- --- _i---
E•maal Address: _ ----'1--------------------
L
Idemeltea ANN Year Aawal add these Periodic flwm charges b your dsiy balance to get the bepknaq
balance for th
next da
it more than one dall
dle
ed
ld
l
t
Lod or th4a Cwft Pleaded report your lost or stolen
celknp the Customer Sarwlee number found on die f
i Card mmediatdy by
t of your starement, y, (
y p
ra
e
o
e cou
y
app
based on the Average daily balance, wa will us the daily periodic rate mat
a
lies for fie a
r
, b
d
il
l
t at th
f th
bli
l
d
Advianrs am shims available to assist you. You ern
pasting 0 alter you enter your account number. ch an Advisor by re
ape
pp
a
y
a
ance amoun
o
ng cyc
e to
e an
e
caksu laM the daily periodic finance darpe each dry.)
CheWq of Pill, wrrmlK For payments by regular U.S. in ed, send at h astyour To get your total periodic fiance charge for a blNfny cycle when a de
i
a
dd
d
il
di
di
ll
f
h
h
li
l
mnnMidim payment due to our post office box designated
An Ilea statement Your payments by mail must comply for payments shown
Nh the instructions es, we a
o
c le
a
Per
(s) app
a
o
t
e
y peda
c Anna c
arges for a
l
askues. To determine an average daily Wants, we add your dally balances
and dt" b
fie number of the da
s in ti
li
bl
billi
11
d
on this sediment and must be M06 by Check an ma
U.S. Dollars, aid draw[ on or payable through a U.S.
th
U
S
b
f
f
i
T
dal le
h
i
D my order, payable in
endial institution or y
y
e app
ca
e
ng cy
e(s).
you
muepy the see ddk belance our dub feature by the applicable dedy
and n MUM* a" of blase rearip b
Periodic rate
The number of da
s
ranc
e
.
.
o
a
ore
gn
manl
o not
alkd
on
c
be
h
k
d
t trio cash. Write your
te
b ,
y
y
in the applicable billing cycle(s)
and then add NO of On malts to
ethe
the
num
a
coun
r on your c
ec
or money or
er,
aoc°mpanled by fm payment coupon pi the enval
dd
i
th
h
h
l
i
i yman
mud
e
provided wile our ,
g
r,
hotel will also equal ere periodic finance charged for the biFina cycle, ekoept
fo mkar vorytlona due in rowdM
To
et
cur teed pedodkAencschar
e
a
ress v
s
roug
t
e enve
ope w
ndow; the an
ble
mom than tae
ment or cou
on: and then can be
a ape at contain
sta
les
a
er eta 4.
p
y
g
for a b cycle when a monthly periodic rate(s) applied
multiply, Me
p
p
y
tape or correspondence Included wipe your payment . p
, p
p
,
your pymaht is In ,
awrrye did balance to each feature by the applicable monthly Periodic rate
accordance with out Payment Insmu?Npna and is made able [o us an any
11 and add the results together. The coal will equal the Periodic Mum charges
dry except December 25 DDyy too. p.m. local time at
ments on dulssatement
desi
nated for Pa
we will cred our post office box
the
e
e" to
aw for the hdlleg cycle, except for minor variations due to rounding,
s p
ked
Gro
d l
g 2n d
i
we
di
fi
y
.
g
account as of fiat day, if your peymam Is In uco P
p
y
with our payment ar
s
(
o
aAp
aCous per
nance dmrges m e
o
c
t aeaction, tae; Of fieNce charge from ON dale it is added to your daily
Irottuclbns, but te made ava9aba to us afar 1:00 ism. Peal time at our post balance UPON payment in fug is received °rt Your account. However, we do not
office box ded abd ter payments on this steamed. will credit it in your Male perkdle linen charges on new purchased billed during a billing cycle
account as of the rapid dry. If you do not follow am psy
a
ment Is not sent b
n
uat U
il to
our
S tinsmuctions or of
r
ts
ffi
b it we receive both payment of your New Balance on your currant statement by
M
d
e
dti
i
y
P
y
y
g
.
. ma
designated for payments, cmditmp of Your pymenl- Xu
po
o
ce
ox
be delayed for up to s ari
s out and Mae payment otyourNow Balance
e
o
me your payment
on your previous statement by the date and time your payment was due.
5 days. Payments made elsctmti ally through out lead telephone Them is no grace period for balance tensars, rash advances, chadt
service, Customer Service advaars, or our web that N be subled to any transactions. or overdraft advances.
processing limas disclosed for those payments. In eddtlan. N Mae Is a'Gualihing Promotional Financing" section on into
Modal WbrertnBeperlW toCoWBan= We mepordinformake statement, You will not incur Periodic finance charges an any Remaining
about your accamt to credit bumas. Late payments,
other deWda on
our account nr
be refiecfail ht
ou ased palmeMe or
credit re
ot If
ou Balance that appears in that section N you pat met beam In full by Me
a
li
able E
i
te
th
tio
D
d
lt
d
if
f
ti
y
ry
y
think we have reported Ieccureb information to a p
y
bummu, you pp
c
xp
ra
n
.
mawor,
a
you
au
un
e
er
e terms of your
Cardmember Agreement or any Guafifynng Promotional Financing offer, the
writs to us at the Cardmember Sarvice address It
statement Notice About Electronic Chad[ Conversion: . ,
on your Mktg
you provide a applicable Periodic Mum charyea will acne on an p RemAitirg Bence as
son as the Wing cycle in which m e defadt Dears. Ts avoid finance charges
"hock as payment you euthodzaus either to use inform ' from your Chad on new purchases when your New Bann includes any Remaining
to male a ane•Mre electronic fund transfer Item your ant or to process Balance(s) in Ma Ouall PromoNand Financing section, pay your full New
Me Payment as a check transaction. When we used rmetleN from your Banes minus tie road of Moss Remaining Beam(s) by the dab and time
check to make an electronic fundtraaat funds may be taws tram your your payment is due. However, it your statement shows. mat a minimum
account as soon as the same day wa most" ywrilly - and you will not payment is due, we must receive at east that minknum payment by it* daft
receive your dads beck tram your Midis fin 111 :' 1M Cu r and them specified on your s% me t ffm it your New Bence consists only
servos number on this statement If you have: goes s about at is of Qualifying Promotional Financing balances.
check cdlection or do no went your payments collects ekmtrankdy. For "deferred Interest- Qualifying Promotional Financing, periodic finance
CYdfill"PapyslMypayment Chad orotlnrto otpymeta tyou charges accrue during the promotional pened but are not added to your
sendus rat lea then Me full balance due Met is me it *paid in full' or account balance. Insaad, they occumulde from billing cycle to billing cycle.
contaie a similar nation, or that you offanwae tends
a disputed amoart must be sent to Card Servi in full san a mon of
, P.O. Box 15049. it a deferred insured Quliy"xg Promotional Financing balance is not paid in
Iul by the applicable Expiration Dab, the deferred finance charges will be
Wilmington. DE 19050.5049. We reserve at our d is regarding them ad to your account as soon as The first day afar the EtOranon Date.
payments (e.9, it it is determined Mom Is no valid dWu
is race Ned at any ocher address, we may accept pre
i i
a or 4 any such Mack
And YOU will still wrified, it you default under the anus of your Cordmembe r Agreement me
deferred finance charges will be added to your account as soon as the dais of
owe any mma
ng balance), le
may refuse it adapt such Pyment by default
returning It to you, not cashing it or destroying it NI
make should be scam to to appropriate payment add r pymant9 Mat you For "feed payment- Gualin Promotional Financing that permits ou to
q Y pee
u
k
i
i
d
b
f
for A
Acrid Rdmddm1 Ballad: If your account has an ann
each yea or In monthly Yhstefimana, windier or not y fee, it will be biped
use your account. a
p
n
as
n a
es
gns num
er o
payments, you will not have a grace
Peeriod for that balance as soda payment includes a portion of the interest
tepaYmnwm arm for that purchase. However, you will have a
and you capres to pay N when aged. The annual W is
YOU notify us that you wish to dos your account v *Mt n-refunciahh wrests
30 drys of *a dace grace period on other caw purchases as described above.
we mad your statement on which ft amual M two ch
cad and at Me same KUMB N?IfN fUM11ARy
rime, you pry your outstanding beam in hall. Your
does not ailed our rights to youraarowtandte of the annual tae
your right to in IN Cue of Erm s at GasUmPYNrdY4w Olt It you think your bit is wrong,
Or it you need more information about a transaction on your bill, write
manssdions on your account It your accent is dosed you or e, we veil Cardmanber Service on a deparete sheet at P.O. Box 15299 Wilmington, DE
confine to charge the aanual Fee uNet you pry your ,,ding balance in 19850.5299 as son as possible. We must hear from you no tear than 60
tug and anmrnaa your account re laNOrgtnl0, days after we sent you the first tell on which the error or problem appeared.
Explessum of Room CkNgas: We calculate k finance charges. You can aateph°neus. but doing so witl notPreserve your rights, in your letter,
She its IN allowing informadon
using rte applicable periodic rates shown on this Ant separefty for .
each teature ((e.g., balance transle0convaniei s and ssh advam !Your name and accountnumber
chocks ('Check transaction'), purchases, balance . ash advances. • The dollar amount of the suspected error
promomonal balances or overdraft advaness). ase consult your • Describe. the error and explain
if you can
why you believe there is an error
Cardmember Agreane it for the features at are a
These calculations may combae differem segues
No your card
fi Nn saran 61111Y ,
,
.
If you need more information, describe the item you are unsure about.
periodic rates. it tie m to a T" next to a periodic raft
I
h this smment thM YOU do not he" to ply any amount in question while we are inwstlgadng,but
° are still oblige to pay Me parts of
our bit that are not in
uestion
rate may vary, and t
ndex and margin used to da
e
comrspodfng APR are described in your Cardmor lie that role and its
r Agreement, as y
q
.
C
^"ha we Investgqaato you quesdm, we cwrnot apart you as delinquent or
Cur
amended. Them is a mlmmam finance charge in ay bill g cycle in which you teha aetiorc ro collect
you quutlon. If you have authorized us to
owe any periodic foam Charges, anda hansaChan fin am charge our each Pay your credit card bit autanatlraNy from your savings or Checking account,
balance banter, cult ad"nts, or dedk transation, In amomb said In You can stop rig Payment on M amount you Mink is wrong. To stop the
your CardmembeeAgreement, as amended.
To yet be day bans for each dry of the current bit
ode, wa [eke to
m to Payment your leer or cell (uatn9 the Car4member Service address or
telephone number shown an this sateman>? must reach us at least three
business days Octane On e automatic payment is scheduled to occur
bu
tic pay
beginning bounce for each kature, add dry new ban
(including lees unpaid trance Marqu and oil
9 or otter
debut
s), subkad any .
seh) talc be Cas Card
e If have a problem with the
you P
CaYmena or Credits. and males ocher ad' ft.
of the rannetlmt dace, the heganMq of the bNh ores are added u
n whits Mey taro quality of goods or services Mat you purchased with a cad[ card (extludMg
purdrasasmade with a Mack), and you have vied in good tale to tsrma the
posed to your account or a lest lags of our chat checN ptobia° with the merohenC You my no ha" ft pay me remaining amount
transactions am added as of Me date deposited by
our bloke). Fessam added either on the data of a r a tdab of
soc .0. the des due on the goods o sondss You haw male protection only when the
Purchase Price was mom than 550 and Me purchase was made in your home
t ey, ate poaled to your account, at the lot dy of uyde. Thle gi es sap ar warble 100 miles of your mating address. Then limitatkms do not
apply d ere own or operale fie merchant
or if we mail
d
th
us Mat days dairy bounce. A credit baam is trea
a dailyperiodic mate ap plesle map future , we iscift allets d mro. If
ce by the ,
you
e
e
advertsement our Me property or services.
dairy perkdia rate te get your periodic frtance cha hat day, We than
MA&MOR
Statement for account nuDate mber: jjjjjNjjjMI 1863 New Balance Payment Due 1&? Past Due Amount Minirmin Payment
nt
$9,462.56
23/46 Mak.Yourefheek ;<-t Chase CmdSO-A•
Amount Enclosed New address a bwK
786300018900009462565613115
00025 SEX: 14WO 0
HEATHER M wILUAMS
218 INDIAN CREEK DR
MECHANICSBURG PA 17050-2526
{u.illu.ill....IJd..... ddd..ddJlr.ur...11,
CHASE O
ICfiase Paynwnttrober
plan, rve read the Be W, 8
Dladosures on back Of Insert
a
1...III.1..1..1.1..1..11...1.1....1I.I.I...I1..i.l...II..II..I
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19888-5153
1:5000 i60 2Et: 20? i056937E635ua
CHASE O
Previous Balance $9,554'86
$245.88
Payment. Credits
Purchases, cash, Debits 391.00
Finance Charges +$62.56
462.58
9
New Balance ,
TRANSACTIONS
ngiClo lng Date: 04/25108 - 05/24/08 CUSTOMER SERVICE
0
rht Date: 06/18!08 In U.S. 1.800-945200
ion P m Due: $189.00 Espanol 1-888.446-3308
TDO 1-800-9554080
Pay by phone 1-900.430-7958
Outside U.S. Call collect
1.302-594-8200
Ac aunt Nu~, X7863
ACCOUNT INQUIRIES
Total
A
il redit Una $9,500 P.O. Box 15298
DE 19850-5298
W Credit $37 Wilmington
va
g
Cash
Avalli ,
)
koce- Line
As for Cash $37 PAYMENT ADDRESS
. P.O, Sox 15153
Wlmkhgton, DE 19888.5153
', VISIT US AT,
--• ?41ase u: iaedkcarda_
Credit 11W,•Debk
Trans Merchant Name or Transaction Description
Date Reference Number
Daily Periodic Rate Corrs$P. Ave
Category 30 days in cycle APR
Purchases .02189% 7.99%
Cash advances V .?51% 27.99%
Balance transfer
Total finance charges
Effective Annual Percentage Rate (APR):
Please see Information About Your Account section
The Corresponding APR Is the rate of Interest You r
The Effective APR represents your total finance chi
such as cash advance and balance transfer fees - r
Finance Charge
Due To
Transaction Accumulated FINANCE
Be Dally
Balance
Periodic Rate
Fee
Fin Charge CHARGES
4,116.47 $27.03 $0.00 $0.00
$ $2703
.00
$0.00 $0.00 $om
00
$0 0 00 $$0
5,410.20 $35.53 .
$62.56
7.99%
r balance canputstlon matted. 9Mc pwid, and other important information.
when you carry a balance an any transaction category.
es - Ind ding trareaction fees
reseed as a percentage.
Guard ag at identity theft and manage your credit
information wi
1
4 Chase ID Protection. Get unlimited access
it reports and scores, dally monitoring of
n-
to 3
credit tl timely alerts and mac. To purchase. call
e
your
1-888.717- ,
or visit www.chaseidP r0`SCtiom.co•n.
Are you a new tame? Talk to Chase. We Offer
?for
a wide range to meet Ycoi reeds. Call
-886836.8 rvlsk www.dhaae. ch
e
Skbjed to ertakh other
C
redk and property approval
re dlons and limitations may apply
Don't Ignore
i
f s important Cardmember notiral afor !? a
Collections has been arranged
elr
select
on o
)
Log onto www. y
oniirwenter.com138828 to identify Yourself SS
a Chase ca imember and take advantage of this special
reward from Services, Inc. Log on be*" July 15, 2008.
This Statement is a Facsimile - Not an original
00025 00(10001 Fi533335 m 7
000 N Z 24 0610504 Pegg of 3 056M MA X INS130831NS12677
a
24/46 Address Charge Request
Please provide information below only it theaddress irdomnatlon on front Is incorrect.
i
Street Address: - - ------
----------
-`1
City: - ----'!---- ----
State: --
Zip: ----- --
Home Phone: --.- --- --
Work Phone: --- --- --
E-mail Address: -?..----- ----------_--
L
bfoenu11, Alead Yaw ulowboot
L
ti
t
t add thus periodic finance charges to your daib1y (Nana to get Ile bbeelqnnmg
balsa for the sad it
if more Nan
uld
ne bial
iodi
s
l
atin S
es Carle: Re
es report your lost or station
a card immediately by (
o
y per
c ra
e oo
app
y
calling the Customer Service nwnber found on ale hire t of your somonent based on the average balance, we will use tie dally periodic rate that
Advisors am wheys Available to assist you. You can each an Advhw by applies for the average balance amount at the and of the billing cycle to
pressing 0 aNer you em ar your aawunt number, coarlaY the dally periodic finance charge ouch day)
CcedWaddPyaesab:Forpayments byregular US. to
d
i
m
i
td
b
d
tl 4, send at Was your
f To get your total periodic Mom charge for a bang cycle when a dall
ep Ic rate(s) aWles
we add dig of 0a dall
edodk financedna
car
ll
m
r
mum paymar
ue
ourpost o
os
ox
ea
g
an this staoment. You payments by Mal mat comply
tem
an thi
t b
d
t
t
d
b
d
d or payments shown
with tie instructions
d
l
i ,
y p
rm
a
res To dwarmine an average deep balance, we add your daily balanau
and dodo by de number at the dye In ale applicable billin
c
cle(s)
It
ou
s s
en
an
mus
e ma
t or m
a
e
y
r
U.S. Dollars, and drawn on or a d s through- a U S.
the US. brmcM of a forelgn fsapdal Ins don. On no y or
er, payab
e
n
ardN ina0m0on or
cab. Write your g
y
.
y
muid2 the meua deny balance for each feature by the applicable bialy
pedock talk and fort multiply each at these results by tiro number of days
account number obi your check or money order is must be In tine Applicable biting-goal(s), aid cwt add an of tie insults together, the
-
accompanied tor the payment coupon in IN
address visible thamigth the envalops window; the on proVldo wilt our
laps canna tontsn IOW Will do equal the periodic firma charges for the bill yde, exap[
for minor variations des mroindin?pp. To got your total periodic ancechargs
for a bil
cle whe
n
d
lti
th
li
l
Mora than one payment or coupon; and there can be
ea tape at comospmdenrs Included with your payment. suples, paper dips,
yow paytre0 is n cy
n a ma
y peno
c ale(s) app
es, mu
p
y
e
avaaga d ' :balance for each fomre by no 211ceble mortally periodic rate
d th
d
r
lt
accordance with our payment hshucl ins and is made stile m m on any ad
an
e resu
s together, The total will eq fir pe
iodic finance charges
dal
except Oaeenber 25 by 1:00 p.m. fuel lints « our pmt oflb bar for the bong cycle, except for minor vaddons des to rounding.
,
dengnoedfor pyrtmts On"Stkbmem,Arewill cted DR Payment to your Gme FWW (at ISO 20 loyal: We accrue perbMc finance charges an a
account as of tint' day. If your Payment is in accords writ out Paynnwnt trrwocfon, be, o Norma charge from the dab it is added to your daffy
hwtruetlons, but Is made aveibible to m star 1:00 part. God time st ourPON baWrie wdN ?yr?ntin full is ramped on you account. However, we do not
office box deedimilad for payments an this Apartment will credit it to your charge .16 to finance charges on new purchase billed during a billing cycle
account as of the nail day. If You do not fodaw our instructions or if
- it we receive both payment of you New palace on your current statement by.
your payment Is not sent by regular U.S. man to r post ol0os box the 63M andeme your payment is due and also payment ofyour New OWnm
designated tar plyman s, cteditiaq N your payment 6s, delayed for up to on your previom statement by the data and does, your payment was due.
5 days.
Potentials made
elect y
d
th
eb ou
r telephone
N be d There is no grace period for balance tremdar& mesh advances, check
,
of
a
0
ur w
sa
da C time disclosed for those payments. arbfe
et to ay transactions, or overdraft advances.
In ad$gon it there Is a'Qualiying Promotional Rrancng' section on this
Aereadi-N, a, aRapersedMCmMflewaapWe reportinfortndm statement you will not incur paledk Anam s charges on any Remaining
about your account to credit bureaus. Lab payments,
other defaults at your account ma
be reflected In
our eased payments or
oadit re
I
ot
you Balance that appears in tat section it you ?payy that balance in fall opyy the
pli
" E
D
H
d
k
do
y
y
think we have repmbd inacauu Information to a
' p
t
.
t Ourea, you may ap
c
h
m
eb.
owever. I?y ed fart un
a
er Its terms o(your
Cardimembst Alinement of any thuall" Ptomoeond Financing offer, the
write to us a the Cardmemher Service address I
statement Nob About Electronic Check Conversion: ed art your blind
n
ou
rovide a applicable poriodlc4nance will scans on Remaining Balance as
soon as the bNNn
cl
i
=
g
ut
del
T
id fi
ceoxas payment you authorize us Nlherto toInfo rm y
p
' be your check g cy
e
n
i
r
a
o avo
nance c"3
occurs.
on new purchases when your Now Balance includes any Remaining
to male a one-time sectronk hard transfer from your nt or In proms Balance(s) Im the Uusil g Promotional Finaedog section, pay your full New
ale payment as a- check'busufare. When we use in molar from your Balance Minus the nmoWd lit thou Remaining Balance(s) by the deb and time
deck to MAIN an electronic had hangar, Nude my be
acc
unt as sort in"aam da
we reeewe
aw
a 'thdrawm from your
' and
ou
de no your:mmot is due. However, I yaw statement abate that a minimum
t i
d
t
M
P
y
y
y
o
receive your thedr beck from your finandal inabWti
' y
ce
t
.Call tin custdneI paymen
s
ie, we must rem
a
UM that mmtimun payment by the der
and timespecffed on yaw statement. aunt n your New Balance consists only
Serves number on the arm - d you have cues abort alechonk of Qualifying Promotlenai Financing balances.
" r paymeniedoi
check collection or do not Nectrmicetiy. For 'deferred intern t' Ouatilynq ri Promot mal Finn '
ng, periodic finance
' p
camitNplftpwnkAn, ymantcheckarothato of paymentthaya charges acos during the proMOtiaW period but are not added to your
send us for des than tie hull boards due that a me paid in full" or
account balance. InslAmd; they accumests from biting cycle to Ming cic
a
concerts a sunder nom, or whet you otherwise tender
a disputed moat must be sent to Card Save
DE 1985x5049
Wilmin
W
ll n tell sadstaeem of
P.O. Box 15049, if a deferred rMaeg OuaNfyirtq Promotional Financing balance is not p
id in
full by the applicable Expiration Dab. the deferred finance charges Will be
gton,
.
e reserve a
our
payments 0It is determined here is no valid dfepu
is received at any oNar addrss, we may swept tin Is regarding thew
or if any such check
cis and you will 30 added to your account s noon es ale first day Nor the Expiration Uale.
Furt a ,, B you default under the terms of your Car tmember Agreement the
deferred finance drat well be added to
Your account as scan as Ice dab of
owe any Minsning babM $). We MAY MU to accept such payment by default:
returning'n to you, no dealing t or destroying it. NI oh
make should be sent m. the appropriate payment add r payments that you
For'fxed pymenr Ou= Promotional Recording that pennitsyou to pay
o
rc a
fo
n
d
i
f
b
ill
AaaeN RsaeaceI Nod=: If
your account has an a
each year a n montlty nsWkneds whether or noty
and
ou a
ree to p
r it wh
n bip
foe
i
l f
d
in, it will be billed
use your account,
f
ble
d r
s
a
es
gn num
er o
pyments. you w
W
not have a gram
period for that balance as each payment includes a portion of the interest
awed ova the repayment arm for that Purchase. However, you will have a
y
g
a
e
.
annua
ee
e
s
you notify us that you wish to dose your account with un
-re
unless
a
30 days of the dab grace race Pperied an other now purchases as described above.
then pu
we mail your statement on which the annual fie is eft and at the sane g g011Tt
-
time, you pay yourputstanding balance In full. Your t of the annual foe to Con of Fibers w0sooloos Ahead Yew OIIk If you think your b0 is wrong,
does notanectourrights to dose youraccount and to ityourfight to make or if you need mom information about a transaction on your bill, write
bansdions on your account If your account is dosed you w us, we wll Cardmember Service on a separate shest at P.O. Box 15299 Wilmington, DE
continue to charge the annual fee carol you pay your tandnq balance in 19050-5299 as 3008 as posble. We must hear from you no later man SO
full and terminate your account rN mfilp. days after we sent you gar first big an which the error or problem appeared.
Explanation of Rsaee-Charges: We calculate ped Ic Menm charges, You can
?
,
ro?m so wall not preserve your darts. In your letter,
using the aPptmble periodic rats shown an this ant sepetataly for ?ep
n
od
give
each feature (e.g., balance trenetar/oonvaraence rile and cash advance -Your name and accountnumber
decks ('dick transaction'), purchases, balance ooh rs, cash- adva cas, • The dollar amount of the suspected error
promotional balance% or overdraft advances). Pi
Cardmember Ageene it for the features that are cep dies consult your
cable to your card . Describethe error andexplam, If you can, wly you belleve tbere is aneror.
Thal calculations may combine different categories .
d" die sme daily If you nod more information. describe pin Item you are unsure about.
periodic raise. If Nam is a'V- next to a periodic rare
No stNUBent That You doobthave m anam0umin
yua pal y qustim whits we are investigating, but
are still chi
eted to
a
the
art
ur ball th
f
t
i
ti
mte my vay, and the Index and margin used m deb
corresponding APR are described In
our Cadm la Nat race and its
b
r A
reert
a d
p
y
p
s o
yo
a
are not
n ques
on.
C
its we lives" your question
we cannot report you as delinquent or
y
amended. There is e minimum finance charge in any b9A
owe airy periodw finance charges, and a transaction M a
g
eot
s
cycle in which you
nee charge for each ,
take action to collect the arrmunt you creation. If you have aWanted us to
pay your credit mid bill automatically tram your savings or chocking account,
boom taster, mesh advance, or deck transaction, in I to amounts stated In you can sop the paymant on any amount you think is wrong. To stop the
your Cadmember Agreement, as emended. Payment your letter or cat (bound ale Cadmani Service address or
To gpet the day hounds for each dal of the cwrentbl
na
oIn
be balance for each Nature
add an
n
w ntra t Opt, we take the
r
th
d
bit WeploM number shown on this saemefto mug reach us at leas three
bushim days before the Automatic payment is scheduled to occur.
g
g
,
y
e
(including ass, unpaid finance charges and other ms o
o
er
e
s
rats), subtract any Spocial
flail Air GaNI Coed Par'Yeaea: If you have a problem with the
payments or credits, and make other ad)usbnents T ms are added as quality of 90045 or servba thayou purchased wrth a credit cad (excluding
of the transaction date, the beginning of the bite In which may au ourduss made with a died), and you have tried In good faith to correct ale
posted to your account or a War dab of our or (except that Chad Problem with ale merchant, you may not have to pay the remaining mount
transactions are added as of the dale deposed by the a ore labr data at due on the goods or services. You have this protection only who the
our choice). Frees are Wdedeitherm the dettot a robin amebthe date
O purchase Price was mom than $50 and the purdres was made in your borne
they are pastel to youraeeaunt or ale lot day of the n' ts glvea
ng" stab or within 100 miles of Vow reading address. These limitations do not
us that day's daily belencs. A cad! balance is treabo as balance of am. tt apply if we an or operate the merchant, our it we maned you the
a daily periodic rate applies to any feature, we mul ipy logy balance by ale advertisement for the properly or services.
daly perodic rate to get your periodic fiance charges that dy. We lien
OAAON708
Use these Cash Advance Checks* for Extra Cash or Purchases.
25/46
These checks are a great way to utilize our credit card account and can be used wherever personal
checks are accepted. Carry this check th you, so you'll be prepared for any expense.
¦ Make a check out to yourself and d6osit it into your checking account so you'll have extra
cash when you need it
¦ Use a check for emergencies, everyday expenses, large bills like home or car repairs, or when
you can't use your credit card.
• You can write these checks for any ?mormt - up to the unused portion of your cash access line.
Access y#ur Cash Line Instantly"
You can always Access Cash Now through automated teller machines (ATMs) worldwide when
you use your credit card and your PIN. on't have a PIN - call 1-809-575-5733 and select your
PIN now.
-Daily and transaction system and ATM limits ? ply. Additional ATM fees may apply.
?'. MKr117n
Mulpsure,NO eaiaenu by rAr peudnd V.1-W dWe f@711" M rsder rb APR nmd 4 y-ff7
HEATHER M WILLIAMS 9927
218 INDIAN CREEK DR
h MECHANICSBURG PA 1 7 050-2 5 28
999
DALE 561551/441
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THIS DOCUMpn T CONTAINS AN ART6H;IAL WATErietA M ABSEHCH OF THIS MATURE WILL NOICATE A COPY
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CBS, Delew . OH 43015
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MEMO SIGNATURE
x:044 L le55 10: 31371056937863611.99 25
:W"peer ra y- f[4-.# by th,p-Nnr AW.*. sra of r712"0101 A, sW de APR v ildhi y4Wr ^ffr
HEATHER M WILLIAMS 9929
218 INDIAN CREEK DR
a MECHANICSBURG PA 17050-2528
999
DATE 5615511441
3 PAY TGTItE
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THIS IXN31M'Nf CGKIAIN3.0.N 0.RTIFICL0.L WATERIAARK ABSENCE GF THIS FEA'R:RE WILL INpR'ATF:A COPY
PAyeeN & ..gh: '..
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SIGNATURE
a:044 L 155111:j 37 L05693786361e99 26
•IMPOWANT WM M1AnCN:
age
The use of the attached ducks} a trot(s) w ll =
1
1 yourcradt aaeu t.
APIF You AN to the attached liecks( is the
1
,
. Advance Cheda on your account.
Tromidra Fes Fr•rw Owlear Please ate yon Cadmanber Act for ary applicable transaction tees,
Rig61 to cirdioc d checks re pad of Ibis offer, cMdu the post at In void data kdaed or that are made le 10 ace or one d our related bandis or companies wit
be dnckn ed. Under cache dreurrrslalas (for d raple, t you 1 is pal due or over Wt c itwe r rusurablbeen that you we be unable or unwigin to repay the
balance or a described is your Crdmembar Agreerrad}, we ma/ to piocies your Innsaafo t, in wlddl case you red be Irani
Pesment Albaeiex We may alloate prymeds to balances with APPA (= balances uth Introductory and plomdiol? APRs} before applying payments to hipher
APR bagnces. This mess that any promotional priori disclosed to
may be or based on your prymrd maids and ORE on other balar
OeYst Any inlrOdudOPy, pramalbeal, a sandard APPa our m '
eud eat b
tM dale and tune
our
a
naM a dues d u aaalr r a your arrlplyinq vritll the ta1N otyar accamt Fa example, p payment to a is oat
rkmt or J a
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APA offrs may e d and the APRs ou at tdances sad [Res horn ou your accord w9 adpG to she appta6le rob r d become ellecthis BE o tf he first day d the
biuinq rycb in which the debut axua.
6na Periak A gran pubd void mt appty to trrlsactious ban this
Cardrmmkr Alfreerat. Fa kntlrf ddats abmd teens or ord" s a your aaauM, Please [ekes to your Cardmembr AgreeAlrs.
OtMr tams: It you Pry arty disputed ameuNS, Ya1 may lose your r:
h
k'
If
h
a
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b
dM
'
d to dispue atom. Thor cues a aqf vakd t yrrlr aarould bates cormerlad to am other produce type.
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G to a in the m of those hm?
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us in paper bro. I a chaff is presented to us elecbonkaAy, we mar .
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.ot be able to accept d due to certain check prcctsssi19 ndea we mIW adhere b.
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Statement for account numbrr. 7683
Kew Balance Peyfna It Otte Dab Past Due nt Minimum Payment
$9,447.21 07119108 $0.00 $188.00 CHASE O
27/46
I yew chock payable
n.
? c
?h
vAlte enio ed.
?M
cam Se
uM encored.
I M uymr eqi
WanelSBVe read gee g } &
Dls?iosures an bads of hlaert
-
ad
dress or e•rtW7 Print an beds
X78630001881'0009447215627675
35531 eoc z 17aoe o L.dILr..611 .I#IIsII ItuLIu.,Iidll.ta II.,LIsof 11111is.I
HEATHER M WILLIAMS
2`18 INDIAN CREEK DR CARDMEMBER SERVICE
MECHANICSBURG PA 17050.2528 PO BOX 15153
WILMINGTON DE 19888.6153
Imlllrein!a..1.1.Ilusul.I.I.Iu11.I?Irnu.Il Iula.ll.l
1:5000 L60 280: 2031056937863 5tia
?eD D? 05n5108 - 08/ CUSTOMER SERVICE
Due Date:
CHASE O Payment 07/1ww 19108 In U.S. 14800-945-100
Minimum Payment Due: $18&00 Espand 1-888446-3308
TDD 1.800-955.WW
Pay by phone 1-800-438.7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number. 7863 1-302-5949200
Previous Balance $9,482.58 Total Credit Line ACCOUNT INQUIRIES
$9,500 P.O. Box 15298
Payment, Credits 4200.00 Available Credit $52 ?
DE 19850-5298
Purchases, Cash, Debits +$120.42 Cash Access Line ,
$9,500
Finance Charges «$84.23 Available for Cash $52 PAYMENT ADDRESS
New Balance $9,44721 P.O. Box 15153
., Wilmington, DE 198805153
tfISR US AT:
www. U AmrtJoreditrards
TRANSACTIONS
Trans Amount
Date Reference Number Merchant me or Transaction Description Credit Debit
247IM9144891446803764 HOLIDAY AI AM ILL A 18.00
00114 11881800200000183153238 Pa You Electronic Chk 200.00
06117 240133! 170001817178424 DAVE ITALIAN OVEN MECHANICSBURG PA 43.31
00/18 241840 171255/52724978 SUBWAY 06243857 CAMP HILL PA 22.83
06120 24430998173400809411000 MICROSO 'MSN 800.388-5550 WA 21.95
06/19 24323008172253213010036 GULIJ1 CAMP HILL PA 14.33
FINANCE CHARGES
Finance Charge
Dally Periodic Rate Corresp. verage Daily Due To Transaction Accumulated FINANCE
Category 31 days In cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02189% 7.99% $057.08 $27.53 $0.00 $0.00 $27.53
Cash advances V .05751 % 20.99% 50.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .02189% 7.99% $5,408.00 $36.70 $0.00 $0.00 538.70
Total finance charges $64.23
EReolve Annual Percentage RrKe (APR): 7.991.
Please sae information About Your AcIn sej':;r balance computation method, grace period, and other Important Information
The Correspondkhg APR is the rata d interest when you carry a balance on any transaction category.
The Effed(ve APR represents your total financrges • Including transaction fees
such as cash advance andbalance transfer texpressed as a percentage.
Guard a
Information I
to 3dn-1
your credit
Save
Chase
ainst identity theft and manage your credit
ilh Chase 10 Protection. Get urYMMted access
edit reports and scores, dally monitoring of
lea, Ilmely alerts and more. To purchase, cal
-0291 or visit www.chaseidprotec on.can.
nearly everything for your home: repairs,
3don, shopping d more. Leant more at
hhome.consiChase, and you'll be Identified as a
udmember entitled to dig great Trllegiant
fhich Includes $20.00 Lowes GM Cardl
This Statement ?s a Facsimile - Not an original
0000001 FIS33335 0 5 000 N 2 24 08!06124 Peg. 1 of 1 05886 MA MA 35530 17510000050003553001
X INS12579 INS12929
28/46 Address Change Request
Please provide information below only H the address Information on front is incorrect.
Street Address: - ---- ?I--------------
City: - -----}--------
State: --
Zip: ------ ---
Home Phone: --- --- --
Wok Phone: --- --- --
E-mail Address: - - --------
lebmhWU Abed Yew AammeN add these periodic Amnee charges to your daily balance to get the ing
ly
eriodic nab cost a
balance for the next it (If mnom than one daff
Led or Stelae Cwbk Mom report your lost or stden
calling the Disarmer Service number found on the bon y p
pp
aid immediately by
or your sediment, based on one average balance, we will use the it* periodic rate that
'
Advison are ah ays available to aced you. You can beam i mountst fiend of the billing cycle to
ouch an Advisor by plies for it* sun d
d
h
h
Pruang0attar youenter your accountnumber ap ? dallype
oac notice c
arge eac
d )
both SdPegrws. For payments by regularU.S. far I. send at least you r To get your told pedoMc finance charge for a bSlitiLcycle when a daily
of the daily periodic
p
eriodic r
add all
a
a
nte
r es for
bels) a
minimum payment due to our post offis box designated
on this suseman. Your payments by mail mud comply or is show
s odd
d
w
der
e
ne,w
your
foolurem.
InstruCtians
on this statement and mud be made by check or mm order, payable in and dlelde by the number of the days fn tee applicable bSling rytle(s). It you
U S. Odle, and dream on or payable through is Us. natal Inedtutlon at raiMpN the AWSP dab bdence for each kOm by tte applidWe dally
Perto& rft add thin mu" each of these cosines by tiro number of days
the U.S. brash of a foreign firam lmSOtlon. Do nd
account number on your check or money or?t nd cash. Write your
ryments must be in the appBnble'MMn9 axle(s). and Seen add oil of the fmlb together, the
aernnpeskid by use payment capon in the aitve provided with our tpbl won oleo equd fha pdedfe Mende ehanges for rite tenting cycle, except
T
t
t
f
d
e
d
ta
ri
di
d
i
address Arabia buoup Me enwlape wtndaw; the n
more Mat era payment or coupon; and then can be no narge
ogayour
dbbs
u
bir un
ng.
p
o
ause
ot m
nor var
o
cannor contain
taples, pryer fps, ter a btA cycle when a monthly periodic roe( applies, and iply tlm
ten or cormspandena Incleded vWr yaw paymen. yew payment Is In bataha for each teetum by the aPpU monthly parodic role
The tad will equal the pedodc finance charges
and add the msuha together
eccordaruredth our payment instructional and is made a
day soaist December 25 by 100 P.M. faced done at .
to us 111 1%
r pmt oMce bat for the billn9 cycle, except for minor wriadons due to rounding.
designated for psymmenb on this shYment we will creek ptyrrwtt to your OfM Penned (at bW 20 do* yh asaw periodic finance charges on a
account as of Scat day. It your payment is in accord Or our payment transaction, to, for Oman charge from the date it is added to your daily
instruction, butts made avel?le to us star 1:00 pm. I thm at mw pool balance tmt p?ayymmeanh M full is received an your account. Hamm, we do not
r
once hat d gitabd for payments on this statement
It
d
t f
d s changes on new purcimef-bided during a belling cycle
won eredk R to your dhageyermallo flinse
tnha
nt b
di
it if
i
th
t
f
o
N
i8i
lte
e
rr
t
e
tl
tI
am
b
o rio
low our pill
occur as of
q next day
a ur
wo na
ve
paymen
o
y
ow
as
e
or
your cu
en
s
t
eme
y
n
r
ons or
o
your paymntent is not am regular U.S. mW b r post oRhce boa ate date and time yew pgmntle dri and also payment dyourNow Balaace
d
f
t b
the d
d ti
t
s
i
b
a
designated forpaymmmn, cre tiny dyyourw meet ono/
5 days. Payments made electron ly through our ue.
or up to on your prev
ou
y
ata an
me your paymen
was
delayed
in n
o
t
ebd Who Thee is no grace period for balance lnnslers, cash advances, check
service, Customer Service advhson, or our web site be subject to ehhy traiiaaetlona, or phNrdmft eMerhoea
proceasng Imes disclosed tot than Payments. In sodded, If there is a 'Qualifying Promotional Financing' section en his
Asserted hdwm oRgarhdtoCMNBottomM upon information statement you.wetl no mMt periodic finance dnrges on any Remaining
about yyour account to credit bureaus. LO psyrtenb,
othar dateulb on your ace" may be reflected In you isaed payments or Balance that appears in that section if you pay that balance in full by lye
credit repot ft You applicable Expiratibn 00. However, ft 7oa ddouk under tiro terms of your
think we have reported imcante intomutoo to a cre buim, you may Cord member Agreement or any QuepNwip Promotional Financatg after, the
write to us a tlm Cardmember Service address I
statement Notice About Elecfronk Check Conwmierh: it on your tithing applicable porbdk Arm changes wd axone on Remaining Balance as
, you provide a soon as the bMng cycle In which the defadt oom To avdd Mwoe charyps
-
check as payment you amthofta us either to use in from gar rhedk on new purchases when your New Balance includes any Remaining
to make a one-time electronic fund wrister from your a or [e process Balance(s) in to Promotmal Hinameing section, pay your full New
the payment as a chadt bantuall". When we use In ham your Bounce minus the thou Remaking Belorussia) by Me dab and time
Check to make an ekclu nil fund transfer funds may be
da
i
h 'thdrawrt from your your payment is due. Hoover, 0 your steternnt shows the a minimum
on no
a
ment id due
WO must Atbtva at least that minimum
a
ment b
it* dace
d
u
y we rop
va your pay
e same
account as soon as t
receive your duck beck from your floor iretlo y
p
y
y
an
yo
w
P
.
. Call rM Moamar and One spkftd on your statement awn if your New Balance condos only
servile number on this sWnent if you haw 4"ws ins atacut atedronto of Qualltyfng Promotional Financing balances.
check collection or do not want your payments Cc etectratcely. For "deferted intorast• QuWfykg Promotional Financing, periodic finanw
ekadtat#Yeu
inOieaslPANS0 kragtaeAert MINpeAat MMlehr rAKW& Mw dsleO irdweOdeal.fedM?rtaeaot added to your
-
?
Bend tla for feN am ton q one Anal la m8 ache from biding cycle to billing cycle.
pale In AI IX secant tmlance. In they
contains a *ftW notation, of that you otherwise tends n full mile on of If a detered inbmt Oualifift Promotional Fmem p balance is not paid in
a disputed amount must be sent to Card Service P.O. Box 15049, full by 1M appkcabe Expiration 00. Me debarred Annce charges will be
Wilmington, DE 19f1545049. We reserve all our n is regalk tun added to your account as now asThe first dry At the Expiration Date.
p
paymenb(e.q,ditisdetermimed Memisnovaiddiapu
is received at any other address, we may accept the ch of 0anyMI
dmdk Furtnr, 0 you defnk under the terms of your Cardmmber Agreement, the
nd you will ad deterred finance charges will be added to your account as soon as the dale of
owe any remaekg balance). We may raltime to accept mry such payment by dabadt.
mbming it to you, no Ching it ar Msboykg iL NI can
make should be sum to tin appropriate pays add r Payment tiro yon For 'bed paymaht' Qudiiyinp Promotional Financing that permits you to pay
onot naveagrace
for o purdwae in a de ' tad number of yon
Aaesd Reeewd NWn: It your account has an annul lee, it will be billed period to that balance each Payment t includes mcades d m
er, at the interim
each yew or in mamdY insbMrrenb, whether or not u use your account owed ow t term for that ever,
repayment describe. Howwe yon will have a
die
and you agree to pry it when billed. The annual be is d
o M
reb
unions gtep parted other now purchases as deathbed above.
you nomfy us that you wish to dose your account wkhl ys of T
30 days of The date RIM RIBIIEti SUMMARY
we map your statement on which the annual film its chin
time, you pay you r outstanding balance in hall. Your gred and at the sae
of die nMd be Ia Cam of Ena or Quondam; About your NI : It you think your bit Is wrong,
does, not affect our rights to dose youracceun[end our rightto mdn or it you need mom information about a transaction on your bill. write
transactions on your account If your account is do ou or us, we won Cardmember Service on a reporter abet at P0. Sox 15299 Wilmington, DE
continue to charge the annual fee until yon pay yo dmg balance k 198545299 as soon at possible. We must hew from you no late thn 60
lull aid terminate your account mlatonddp. days after we sent you the Ara bill on which the error or problem appeared.
Eaplan les d Finance Chergaei We calculate finance charges, You canwbpltonrus,but doingsowitnolpresave yourrights.inyourletter.
give us the following Information
using the applicable periodic rats shown en this
each feature (e.g., balance tmndar/cmwnlena c t aepamtely for
d cash advance Your ham nd account number
chafes ('check transaction'), banana
J ash advances The dollar amarnt of iha suspected error
pronotoml balances or overdraft adyences) consult your Describe tlm error and explain. It you tin, why you bellew to Is an error
Cardmember Agreement for tie teabm the le to your card. It you need more Information. describe ire Item you are unsure about.
These calculations may combine different catego
periodic rates. Il there Is a "Y" mxt b a c ra the sae dally You do Trot haw my mount k question wile we are Inwadgating .but
s staemnt that gb pay Me parts of Your biA Mat an not k Ouesaon
raw may vary, nd ton index and margin usto d
corresponding APR are described In yourCa .
that rate nd its While we Investigate your Question, we cannot report yon as delinquent or
Agreement, u
amended. Them is a mkkmm ce atnin any
biN
cle k whleh yon
take acen m tolled tits math you ghndbri. If yon haw asMoriaed its m
g
pay your credit card bit automatically from your savings or freaking account
owe amry periodic hence da, and a d
cash advance
or dredk transaction
balance tmnsler
in ch 9 for each
he mounts stebd in you can stop the payment on any amount you think Is wrong. To stop the
,
,
.
your Cardmnmbor Agreement, as mended. payment, your te0ar or call (using the Commandeer Service address or
Wephem number shown on this sntment) must reach us at least three
To alai lance for each of the current tail
gga the N balance day de, we take the
q' bcndmes days before the automatic payment is scheduled to occur.
beg ring balance for each feature, add any new transit
(indudinq tees unpaid finance charge and stmt ct Zons or other debits Spud Rant be CmNN Cad Parekaasa It you have a problem with the
erges), subtract any
payments or credits, and make other adjustments. Trov,
of the transaction date, the beginning of the bfeln cY actions are added as duality of goods or services that you pu idnsed with a credit card (excluding
in which they an purchases moue with a chock), and you have tied in good i to correct the
problem with Ilea mordant, you may not have to pay the remaining mount
posed to your accent or a later dal of our fie
transactions are added as of ire dab deposited by the (except that chock
iww"ora later deb of due on to goods of services. You haw this protection only when the
purchase price our more than $50 and pro purchase was made in your home
our choice). Fees am added either on tlm data of s ml
they are posted to your account or the test day of the III tranactn, the dab
ling cycle. Thia gives Stet IX within 100 rates of your mailing address. These limitations do not
ays daily balance. A credit balance is treated
us that e
tem. It apply d we own or operate the merchant, or if we mated you the
a belnce of
ert
or
advertisement for the
ro
services
rVo
a daffy pedc rate applies to any rfai we muAbly p
p
y
.
.
daily balance by IM
daily periodic rate to gel your periodic finance charges or that day. We siren
MA030708
Statement for account n,Zbsr 111111111 7863
New Balance Payment Due Date Past Due Minimum Payment
$9,531.80 08118/08 $0.00 $221.60
29/46
. • yo
cam s.Mur cheek pryabie to:
$1 Plejas ch as
write amount nt lt enclosed.
N address or a-mall? Prim on bade.
786300022180009531800000003
35835 SEX Z 2050e D
HEATHER M WILLIAMS
218 INDIAN CREEK DR
MECHANICSBURG PA 17050-2526
I r,rlllurlllnulrlrilnnrlrlrlrlrulrlr?luurlllnlnrllrl
CHASE O
Irnrlllrlrrlnrl.Inrlrrllrr.Irlrrlrllrlslrrrlirrlrlrrrlirrllrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886.5153
1:5000 i60 2111: 1203 L0569371163590
CHASE O
Previous Balance $9,447.21
Payment, C adite 4300.00
Purchases, Cash, Debits +$322.55
Finance Charges +$62.04
New Balance $9,531.80
TRANSACTIONS
:losing Date: M25/08 - 07/24M CUSTOMER SERVICE
Due &W a X8/08 in U.S. 1-800-945-2000
Payment Due: EspaDal 1-888-446-3308
TOO 1-800.955-8080
Pay by phone 1-800436-7958
Outside U.S. cal collect
1-302-594-8200
Account Number: 7863
ACCOUNT INQUIRIES
A Credit Line $9,500 P.O. Box 15298
Nkomo Credit $0
Wlmhnpfan
DE 19850-5298
h Access Line ,
$9,500
rilable for Cade $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19686-5153
VINT US AT:
Tram Amount
Date Reference Number Merchant me or Transaction Description Credit Debit
Daly Periodic Rate Conesp. /
Category 30 days in cycle APR
Purchases .02189% 7.99%
Cash advances V .05751% 20.99%
Balance transfer .02189% 7.99%
Total finance charges
Effective Annual Percentage Raft (APR):
Please see Information About Your Account sectk
The Corresponding APR Is the rate of Interest you
The Effective APR represents your total fknarnce 0
such as cash advance and balance transfer fees
Finance Charge
'age Daily Due To Transaction Accumulated FINANCE
Balance Periodic Rate Fee Fin Charge CHARGES
$4,045.72 $26.57 $0.00 $0.00 $26.57
$0.00 $0.00 $0.00 $0.00 $0.00
$5,401.63 $35.47 $0.00 $0.00 $35.47
$62.04
7.99%
In for balance computation method, grace period, and other Important Information.
Pay when you carry a balance on any transaction category.
irarges - irak3ding transaction fees
expressed as a percentage.
This Statement Is a Facsimile - Not an original
X ."A00001 FIS33335 D 8 000 N Z .24 06MV24 Page 1 or 7 05588 MA MA 38635 20810000080003883501
^0
30/46 Address Change Request
Please provide information below only 0 the address infwmatln on front Is incorrect
Street Address: - --- ---- -----------
City: --------'--?--?-- ---
• State: --
Zip: ----- ---i-
Horne Phone: --._ --- -}.-_
Work Phone: --- --- -+---
E-mall Address: - - ----------?--
L
ntferrwtles Avid Tow Attend
i add these periodic lnsnae charges to your daliy
balance n get the beyyinnIng
beWtce for the next dry
(Igmon tlm one dally periodic nee ccuM apply
of BMMe Cards Please report your lost or stolen
Coat
_ calling the Customer Service number found on the iron b immed
ately by
of your statement
i .
based on the average =balance, we a M use the it pedodlc rate that
aft 103 for M average dally balance amount at the and of the billing cycle to
Advisors are always available bassist you. You can
Pressing 0 after you enter your account number ach an Adv
sor by calculate Mrs daily periodic finance chimp each day.)
ineditleg all Pprwdc For payments by nguter U.S. m , send at tease your To get your total periodic finance charge for a bdgna cede when a dally
we add ail of the di y petbdic Anmicecharges for ail
peek r*4 applies
mlmmun payment due to our post Office box designated r psyr is shown ,
te
T
d
termin
ara
il
s d
m
a
d
b
l
dd
ll
bala
s
on this statement, your payments try map moat eotnpy with il a Inauuctlans ge
y
a
re
o
e
e
n g
a
a
ance, we a
ya
a
y
nces
.
on this staternant and must be made by check or man
U.S. Dollars, and dream on or pryable through a U. S. fi order, payable in
amial Institution or and dwide by the number of M days In can applicable billing cycle(s). if you
multipplyy the a?arage daily balance tat each *Win by the apple" daily
dk rate
and then m
ach of Mora results b
the numb
r of da
eri
"
the U.S. branch of a foreign fnanIn stlmIon. Do not
Accmmt number on your check or money order. d cah. Web your
tyrants must be P
,
e
y
o
u
e
ys
In the applicable billing cycle(s), and drat add all of his results togeMr, dw
accompanied by M payment coupon in her anvslo Provided wigs our toted will also egwl M periodic finance Mugs for M bilin cycle, except
address visible through the envelope window; the an pe at contain for mhor variations due m mimdng. To get your total periodic angles charyrye
more than one payment or coupon; and the in cent be no
bps or corrapmdence Included with your paymem. it pies, paper dips,
I is in
Yaf pryr for a billYq cycle when a monthly periodiic?rlaM(s applies, mul#* rile
aavwape the balance foMr The bahn y t e onfil pep iic hair total Will son the periodic
0d aadddd
accordance with our payment Inswctions sod Is made
day except December 25 by 1:00 P.M. local tine at us
ble to icy on any
Dort otfies box for the biNmg cede, accept for minor vatiallons due to rounding.
designated for payments on this statement, we will credit peymettoyour Oraee Purled (at lad 26 dsyq: We accoie periodic fnance charges an a
account as of gat day. M your pDayment is in aceordw
1
d
itehN t
00
I
b
t I
ft
I
t
ti with our payment
cal th
r
o
t Mmswdcn. fee, a fiwmce Merge from the date it is added to your daily
d an
bal
until
ent in lad is
Ho
do n
e
i
cco
nt
e
t
:
e ava
o us a
on,
u
s ma
er
ns
ruc
ons.
office box densed for payments on this statement,
l
H
f
ll p
an a ou
s
will credit it to your
t i
ti
it .
your a
r, we
ance
paym
r
ce
ve
u
wev
o
charge Periodic frence charges on new per ms billed do" a biling cede
r
M
i
b
tl
f
N
OY
b
t
you der not
o
ow our pay
account as of }
n next de/.
your P*Wt ta not sent by regrdar U.S. mail to nstruc
ons of
r post office box ee re
a
w
r payaeat o
you
ew
nca on your current sta
y
o
ement
M deficient three your payment Is due and also paymentt oiyour New Balm
designaedforpayments, aadtln9 of your payntenI may delayed for up to or your previous sratanet by the doe and lime your payment no due.
5 days, Prytnnte made alearofiically through our admitted Withone There is no grad period for balance transfers, cash advances, check
service, Cuaamer SeMes edvbam, or our wait site w be subject to any transactions; or overdraft advances.
process" tiff es disclosed for those psymente. In addtion, It here Is a'OU&Wtig Promotional Floandog' section an this
Account M w"m RapeaMdbe CYWR Imam We rgmrtinformadm statement, you will notInCmr periodic finance charges on any Remaining
about your account to credit bursas Late payrwitb,
other defaults an your account may be reflected in your freed payments or
ceded report. If you Believes Itru aappppeeaars in that section it you pay that balance in full by the
applicable Exphadon Date. However, If you default under M terms of your
think we have reported inaccurate information to a cm it bureau, you may Card 1 Agreement of ally Qualifying Promolfond. Financing offer, the
write to us at it* Cardmanber Service address If it on your billing applicable periodic financechugs wit accrue an any Rertiateung tialteies as
statement Notice About Electronic Check Comersim: you provide a soon as the Mang cycle in, hirl M defndt occurs. o avold finance charges
check as payment you authorize us idterin use inform fromyourchach on new purchases when your New Salmon includes any Remaining
to make a one-time ebctiortlc fund iransM from your ant air to proem Balance(s) in M Promotional Financing section, pay your dal New
=
the payment as a deck vivisection. When we use In nnation from your Balance minus M
those Remaking Balance(s) by the data and time
cheek to make an Madmirie fund transfer, funds may be
d
i nhdrawn from Your
d
ill your payment is due. However, y your stebment shown that a minimum
e
i
d
i
le
h
k
b
d
i
account as soon as the same
ay we rece
ve your psym
our check bads tram
our financial "Itut
receive you w
not
an
Can the customer paym
nt
s
es, we must rece
ve at
er s
at m
nun ppry?msot
ate
n
y are
and time Specified on
our statement even n
our New Flatand consists onl
y
y
service number an this statement if you have que i
about aleatrarle y
y
y
of Qualifying Promotional Financing balances.
check collection or do not worm your payments consent electronically. For -deterred inlerW Dust" Promotional Financing, periodic finance
candgwwt+ayaeabeMyPayment clock oroffer ro of payment that
er o charges accrue dude Me Promotional period but are not added to your
send us for Ise Nan M Ng balance due ere is ma r
ad 'paid in mild account balsa. Instead. they accunmlale from billing cycle to billing cycle.
contains a similar notation, or that you oMrwise tear n fill mtiseNOr of It a deferred trimmed Outd" Promotional Few balance 13 not paid in
a disputed amount must be sent to (bbl Serve . P.O. Box 15049, ml the applcabe Expiration Dab, the delaned fiance charges will be
fly
Wilmington, DE 19850.5049. We reserve all our d to re garMg then add
ed to your mocomtas soonan the first day chair l[4Expiration Date.
payments (e.g., it it is determined then is no valid dl- or if any such Meal Further, if you defedt under Me terms of your Cardrnember Agreement, the
is naehed at any other address, we may accept be
- and you wR st! deferred finance charges will be added to your account as soon as the data of
owe airy remaining balance). We may muse to accept such prymant by detsuft.
ramming it to you, not cashing it at destroying it All o
main should be sent to the appropriate payment add pai mends that you For'fxed payment' Dung fyin Promotional Financing that permits you to pay
fora purchase in a deal teal number of
you wig not have in
ments
rey
gat pa
Annual RawAW Mahn: If your account has an anew
a fee, it will be billed g
y
,
for
udes a
of the loaner
period
T
hat balance as each payment
portion
each year or in man" Inst
llments. vihether or not in i use your amona, ever,
owed
m for r that that purchase.
nprymant term ewever, you will have a
over
How
the
and you ogre to pry it when billed. The annual he is romndahte unless grace period on other new purchases as described above
.
you notify w that you wish to dose your amount with 30 days of the dab MWN RIOWS EUNWARY
we mail your statement an which the annual too is c and at the same
dime. you pay your oubbnding balance in frill. Your of the annual fan In Cawed Erms or0ONOm Allied yew Bib It you think your bill is wrong,
does notaffeaour rights to does uramantandto tyour tight to make or it you need more Information about a transaction on your bill. write
transactions on your account If your account is dosed you or us, we will Cardmembor Service an a immix shoot a P.O. Box 15299 Wilmington, DE
rnnarwe two charge the annul fse unbi you pay your o Landing balance In 198503299 as soon as possible. We must hem from you no later than 60
full and terminate your account relationship. days after we sent you lee fast bin on which the error or problem appeared.
Explainable of FMre. Chugac M..caicttate pad is nnsos charges, You cam lemphone ue, but doing so will not prserveyour rights, In your letter,
ghm us the Moving Iaonnadon
using the apple" periodic miss shown on this nt separately for .
each feature (e.g., balance transhrymnveaence and cash advance • Your name and account number
checks ('deck transedlon'j, purchases, balance ban , cash advances, • The dollar amount of the so specked error
promotional balances or overdraft advances). Pl aim consult your . Describe the error and @*him, if you can, why you believe there is an error
Canmember Agnemait for the features fiat an *0 cable to you card. H you need more Information, describe the item you an unsure about.
These calculations mat combine different cabom1
periodic rains. If then is a V next to a periodic rate the same deny
this statement that You do not have
b pay any amount in quatian ahib we an imestlgetinq,but
il
e
i
ti
l
rate may vary, and the index and margin used to der
mrrespondlrig APR aro described In your Cardma ice Nay rate and its
bar Agreement, as sail o
b
that are not
you an 9 to pay pmts your question.
aabbdd this
l
While we Iawsdppeete your question, we Canna. report you as delinquent or
t
k
ti
f
b
i
db
th
t
i
d
amended. Then is a minimum finance charge in any big'
owe any periodic times chimps, and a trarmedon fn g cycle In which you
ce charge for each a
e act
on to e
e amoun
you ques
ct
on. I
you
ays author
us to
ze
pay your credit card bin automatically from your striving a or checking account,
balance natsfer
cash advance, or check transaction. In amounts ended in you tan stop the prjnmt on any amount you think is wrong. To stop the
,
your Cardmember Agwemea, as amended.
' payment your letter or call (using the Cardmember Service address or
raaphore number shown on the spite nerrq must reach us at least three
To get the day balance for each day of the current top
beginning balance for each fsturs, add any new hansa cede, we rake M
Jana a other debits business begs before the aummatie payment is scheduled to occur
(including fees, unpaid finance charges and other d riles), subtract any Cassill Cud Pwckaim if you have a problem with the
Spech lI
paymens or credits, and male other adpatmeMS. Trans ans are added as goods
ds o i services ice I and you have purtried chased with a credit card correct ft
purchases co Y 0crd faille to
e
of the transaction dam, do beginning of the tdRnq cy
posted to your amount of a later date of our e In which the an
(except that check Problem with lee menhart you may not have to pay the remaining amount
transactions are added as of the date deposed by the or a later dale of dos on the goods or services. You have this protection only when the
purMSe price was mono than $50 and Me purchase was made in you r home
cur Moln). Fees an added either on the dent of a related
they ere posted to your account or lee last day ot the section, dire data
, cycle. This s
, stab or within 100 miles of your maling address. These limitations do not
us that day's day balance. A credtbalance is named a tea
of ze?lf
au
once apply if we awn or operate the merchant or if we meeed you the
advenisemant for the
ro
er
or
rvi
s
a daily periodic rote applies to any faun, wm musically dally balance by the D
p
.
se
ce
ry
dairy periodic rate to get your periodic lance charges .t that day. We men.
'AAM0708
Statement for account number: 7683
New Balance Payment Due Data Pest Due M Minimum Payment
$9,559.41 09,18/08 $b.00 $250.41
CHASE O
31/46
. Make ylour check pryabM t4x
Chaaelprd 8wrias.
wdta amount erxdoaad.
New dress or a-mail? Print on back.
786300025041609559410000007
I
25M 80Z 237M0 ?I, I...IILLJ..1.Ir.L.I1...1.1.... I.Id.1111..L111.11..ILJ
HEATHER M WILLIAMS
218 INDIAN CREEK DR CAROMEMSER SERVICE
MECHANICSBURG PA 17050-2526 PO BOX 15153
WILMINGTON DE 19858-5153
111.11111.111.11.1.611..... IIIddn.6141I ?a.JILd...IIJ
1:5000 1.60 281: 03 II0 569 3 786 3 5ua
CbshgDate: 07125/06- 08!24108 CUSTOMER SERVICE
C E
CHASE O _
11 SM In U.S.
$
r
l Payment Due: 0.41 Espanol 1.888.446.3308
25
', TOO 1-800-955-8050
. Pay by phone 14WO-436.7958
Outside U.S. can collect
' 1-302-594-8200
VISA ACCOUNT SUMMARY Account Number: 7883
ACCOUNTINGUNt1ES
"vfausBalence $9,531.80 T Credit Line $9,500
P.O. Sox 15298
payment, Credits •$190.00 A allable Credit $0 Wilmington, OE 19850.5298
'urcheaes, Cash, Debits +$152.91 sh Access Line $9.500
1.00 Charges -$64.70 A a8able for Cash $0 PAYMENT ADDRESS
Jew Balance $9,559.41 P.O. Box 15153
Wilmington, DE 198885153
I
? VISR U8 AT:
www.rha.e.caNcredarards
I
TRANSACTIONS
Trans Amount
Date Reference Number Merchant or Transaction Description Credit Debit
07124 241St SHEFTZ 00002014 MECHANICBU G PA $11.72
0510912232222900005751096764 Payment - I* You 121.80
08709 7426685233 T7r5109ff797 EPAY FEE 9.95
08111242107 58000212 NOS" S d SEAHOUSE CARLISLE PA 15.16
08113 24224135227041)00 9 FRIENDLY CREAM CAMP HILL PA 7.92
081133 13010065 MADELYNA MECHANICSBURO PA
- 24.32
087181230ZM0000057794ZI030 Pavient - TR nk You
N 68.20
OSM4 24323005228253383010095 GULLIFTY'S re?MP HILL PA 13.43
08116 T EPAY FEE 9.95
08120 24323005233253219010060 MADE LYNN MECHANICSBURG PA 18.62
08/2024 MICRO 'MSN 500.385.5550 WA 21.95
08(11 24427338235710035122282 MCCONALD IS F2449 CAMP HILL PA 6.46
08121 24323000235253364010018 GULLIFT rS AMP HILL PA 13.43
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Comesp. Al rage Daffy Due To Transaction Accumulated FINALE
Category 31 days In cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases .02189% 7.99% $4,131.52 $28.04 $0.00 $0.00 $28.04
Cash advances V .0575i% 20.99% $0.00 $0.00 $0.00 $0.00 $0.00
Balance transfer .02189% 7.99% $5,40222 $36.66 $0.00 $0.00 $36.66
Total finance charges $84.70
Effective Annual Percentage Raft (APR) 7.99%
Please see Information About Your Account for balance computation method, grace period, and other Important information.
The Corresponding APR is the rate of interest you )ay when you carry a balance on any transaction category.
The Effective APR represents your total lhtar.ce es - including transaction fees
such as cash advance and balance transfer fees -
I
i xpressed as a percentage.
I
i
This Statement
s a Facsimile - Not a
?
n original
0000801 FIS33335 0 8 000 N Z
iNS13342 4 Oer08/24 Page / or 1 05688 MAMA 25685 237100000800025M
32/46 Address Change Request I
Please provide Information below only If the gddress Irdormation on front is Incorrect.
Street Address: - ---- ----------------
City: - -----f--------
State:
Zip: --•---
Home Phone: --'- --- - --
Work Phone: E-mail -?----
Address: ----?-------------------
L
file Abed Yaw Auneed add these Permian finance charges to your daily balance to get the beginning
Lod of snex Carda: Please report your lost or stolen id immediately by batence for the next it (If more than one dally periodic rate could apply
calling the Customer Service number found on the non of your statement based on to awraps balance. we will use the dally peAodle rate the
applies for the average dal balance amount at the end of th bkfinq cycle to
Advisors en ahwys avaksbte to assist you. You an
Pressing 0 after you enter your account number ch an Advisor by calculate late dally Pedodc floarme chat" each day)
CMNIq of fayefalic for payments by regular U.S. m I, send at least your To get your total periodic fiance charge for a bfikn9 cycle when a daly
minimum payment des to our past office bon designated
on this Maiement Your payments by mail most comply or payments shown
' the instructions Pew rete(s) applies, we add Al of the daily periodic financecharges for all
fesares. To deYnnnm an songs dally balance, we add your daffy balanon
f
on this statement, and must be made by clued or more
U.S DoNan, and drawn on or payable through a U.S. order, pay" in
ands Institution or and diode by the number at In days in tit applicable bi ng eyrie(s). I
ou
muNply the amps dally balance for each hroMre by the appAmbie dysky
and then muWly each of these mouth by the number of days
periodic rate
the U.S. branch of a foreign financial Magsltm. Do not cash Write your
- ,
t
dd alt
l
t
t
F
h
l
account number on your check or money order.'
amompaihed by the payment coupon Inthe axis menu must be
proveed win our he
M resu
ts
oge
her,
in to apppca6ls billing cyc
e(s), and t
in a
O
tots dill also eyW the periodic Mhaha charges for the Wy cycle, except
T
l
d
dMfl
n
h
address visible through Me anvelopewindow; the on ope dahrroIrxmesn irp
ogetyourtoa
pe
o
na
ac
forminor variations due tomod".
more then one Parent or coupon; and than can be nc a, papa lips, for a hiiflnp¢ cycle when a mor" palodc ra apples, mulgpy Me
tape or mriespondence Included with your payment. I
accordance with our payment instructions and is nude your III M
tow on any awry clady balance far each feature by tin applmonthly Periodic rate
and add the rwdta beguiler The total will equal the periodic finance charges
day except December 26 by 1:00- p.m. local time at r pat offla box for tic bill" hflrde, except for minor violations due to rounding.
designated for payments on this ststesteM, we will endir payment ts your Gran PnMd (al Iced b dap): We same paiodle fetance charges an a
account as of that day. It your Payment M In accordan with our payment transaction, be, or finance dirge nom the dale it is added to your daily
instructions, but Is made available to us after 1:00 pm. I tine at our post balance uMt payment In full b mashrs on yet social However, we do not
oMde box de aesd-rot Payments an Mla acaesrtterut
t wN creftk to your charge perlofo finance charges on one purdheesabtled during a tgglrhp cycle
resod day. If goat do not folow ar pay
adxxrdrnt as of
fi t
U
S
s
A t Instructions or it
bo
t
ffi If we receive both peymeM at your Now &Mna on your current statement by
r
dext la due
nd also
MOM of
our New Bala
th
d
is
a
ce
d ti
pt is not sent by rep
u
.
. naa
o
your paHn
designated for payments, crediting dyour pymed may r pa
x
o
ce
daaysd for up to pay
y
n
e
a
me you
p
yr
a
an
on your previous sestemant by the does and time Yost payment was din.
. payments made slid t fixt area Partakers, cash advances, check
service
, Cr ffiS Sullins advisors, or revir web Nee b
e subject to any transactions. or overdraft advances
processing times disclosed for those payments, In addition, if ton is a "0uafiytng Promotional Financing" section an tike
AeesesilleieaaI itRegarndeCeaMlswwecWe repartinformeaon statement, you will not incur periodic finance charges on any Remaining
about your account to craft bureaus. Late payments,
other defaults on your aaourrt my. be redecled n you Will payments or
credit report if you Bela ce thatt in the section if youpay that balance In full by go
applicable E Data. Hawaver, k you ddark under tin tams of your
thirds we haw reported inaccurate iatuni to a c
h buresu, you may
M Cardmamber Agreement or any Gasifying PromodaW F'ma on offer, the
licabl
i
i
i
di
fi
h
it
R
B
i
vke address 1
write to us at ghe Cardmember S
statement Notice Abed Electronic Check Conversion: d an your
eg
you .We a ema
n
ng
a
rns as
app
e per
o
c
nance c
arges w
accrue on
soon es Me edging qcl in which the debdt ocean TO avdd fnana chorge
check as payment, you authorize to ,that buseinto Iremyourdhedd on now purchases when your New Samoa includes ay Pul lug
to make a one-time electronic lurid cluster from your
d
d
Wh
i
ti
h
t ouM a to Draws
r
tla fran
ou Balance(s) in tin Oud promotional Financing section, pay Your full mew
Balance minus the told Pthae Remainin
BYma(a) b
the cob and line
k
on.
en we use
n
t
e Payment as a
ha
ransac
deck to mare an electranike fund murder, funds maybe y
me
taws from your y
g
your payment is dos. However. N your statement shows that a minenum
account as soap as Me sere day we receive your
.. and you oil not pymant is dos, we must receive at least that minimum payment by the date
receive your died beck train your Intendd in
to . Cal tic ontomer and time specified on your statement. awn k your New Balance consists only
service mumber on this statement if you haw ques' s about eledronk of OudlyIng Promotions Financing bduM.
check cdtenton or do not warn your payments abctranieNt . For "deferred inam d" Gual flying Promotional FinanWg, periodic finance
COMOIW Papuan: Ay payment decor other to of Payment Mayou charges accrue during the pronoloned period but are not added to your
send `us for ties Man the full balance due that is me
th
i
ll "paid in hail" or
f
t
d
f
ti
i account balance. indeed, they accumulate from billing cycle to billing cydo
Pr
d bal
is not
aid In
If
d
d ter
t O
di
n
ti
al Fi
f
se te
er
coMeins a similar notation, or that you o
erw
a disputed amount, mud be sent to Card Sewn n
ol
sa
s
act
on o
, P.O. Box 15049,
- p
erre
ass
u
y
g
omo
on
nan
ance
a
e
full by the applicable Expiration Deb, the ddernd Brwha charges wit be
Wilmington. DE 19850-5049. We reserve all our A ngardhp
these
f
c
l added to you amount as soon as the first day after the Expiration Data.
payments k It is determined thew is no valld dfspu or i
arty su
h a
hw* Further, if you ditk under the temps of your CarMnamber Agreement the
is remind at cry other address, we m sent tin and you will 39 deferred finance charges wit be added to your account as soon as the date of
awe any nmmiplnt balance). We may refuse to accept duds PeymeM by debult
returning it to you,. not aching it or destroying it Ali
make should be sent to the appropriate payment addee r payments nor you For "fixed paymwnC Did Promotional Financing the permits you to pay
Award fleawaf Na6w: If your account has an ani
tee, it wiil be billed fm a purchase in a designated mber of payment, you will no have a goo
period for that balce
an as each payment includes a portion of the interest
each year or in monthly Me icaments, whether or not u use you amenat, owed auk the repayment term for that purchase. However, you will have a
and you agree to pay it When aped. The annual in is -rehmeabw unless grace period an other new purchases as described above.
you tidy us that you wish to dose your account with ?0 days of the dab BLLM MONTS summm
we mail your statement on which the annual fee Is char
time, you pay your outstanding balance in full. Your ply ask and at the am
t of tiro annualfes
In Cased Enem erOmedim Abed Ter Bit k you ft* you bill is wrong,
does not Arad our Hants to dose youraocohnt and ton tyourdghtto mats or if you need more information about a transaction on your bill, write
transactions an your account. If your account is dosed you or us, we wit Cardmember Service an a separate sheet at P.O. Box 15299 Wilmington, DE
continue to charge the annual fee until you pry your a branding balance in 19850.5299 as soon as Possible. We must hear from you no !star go 60
full and brininess your account relationship. days after we sent you the first big on which the error or problem appeared.
E=ggnnlW of needed, tiara we calculate pad to finance charges, You axnmI aneus,bud"sowi0 not preserve your rights. In your letter,
am os the it Information.
using the applicable periodic rates shown on alts ant Mora" far
each feann (e.g., balance trwndamwdena and cash advance Your name and account number
checks (•tlnoli transacted"), purchases, balance
- n, Cash advances; • The dollar amount of the suspected error
baianas or overdraft advances).
promotional consult your . Describe the error and explain, ilyou can, why you believe there is an error.
Cammember Agreement for the Whites the are hie to your cord. If you need more information, describe the item you are unsure abou.
These calculations may combae different categaries
Periodic rates, it tore is a V next to a pafodk rate th the sae, dally
this spresmant, that you do not have ropay anyamount n ghostian white we are Investigating. but
tion
d
till
t
tl
ds
f
Mfi that
t i
bi
rats may vary, and the index and margin used b due
corresponding APR are deschthed in your laird !tie end tab and its
r Agreement. as .
o Pa
your
are no
n ques
o
gaa
o
o Pey
you are s
While we Inws
t
Qpet°e your question, we cwnot report you as delinquent of
amended. There is a minimum finance charge m any bill
owe slay periodic finance charges, and a transaction tin cyde in which you
ce chirps for each ?
?
U" open to cadxt the amount you question. If you haw authadzed w to
payyourcodit card bit automatically from your savings or Checking amount,
balance transfer, ask advance, or check transaction, in amounts stated in you can Stop the payment on annyy amount you think Is wrap. To stop the
your Mier or alt (htein9 on Cadmanber Service address or
payment
your Cardmomber Agreement, as amended.
' ,
telephone number shown on Ms sO meuq must reach us at Mace three
To at tin dal balance for each ot tic current bill
y9 N ply des, we ten. the
cY business days before the autcmatc payment is sdoduled ho occur
beginning t Bence for each feeds, add any new Iran
(Indudmq tees, unpaid flnahce charges and other s or other debits
rpm), subbed any
slowed Ran for Credit CON fednaut If you have a problem with the
paymanb or eredks, and make other adlustrneIm. T an$ are added as quality of goods or services gut you purchased with a credit card (excluding
Purchases made with a check)
and you hoe tried in god tent to correct the
of gs tnnsaenon date, the beginning of the blandq ky
posted to your account or a later dale of our chaff e In which they am
(except that Check ,
problem with Me merchant, you may no have to pay the remaining amount
transactions are added as Of the deal deposted by the P or a Mr dale Of due on the goods or services. You haw this promotion only when the
purchase price was momthan $50IndMePurchase wasMade inyour home
our clako).Feesueadded sigoronthe data Platefuls
they are Posted to your account or the last day of the tranaacio,Medats
ng cycle. This gives stas or within 100 miles of your making address. These timlte0ons do not
us that ddaayy's dally balance. A credit ba ince Is treated
I's it* a balance of cam. If apply if we on or operate the merchant, or if we mated you the
or services
advertisement for the propert
ran "MS to any featum, we mukbly
a daffy daily balance by the y
,
daily Periodic rate to get your periodic Imam Charges a Mat clay. We then
MAOW06
Statement for account numb, 7863 Payment
New Balance
$9,915.81 Payment D1r (19/08 Part Due $191.00 Minimum $98181 CHASE O
33/46
m:
blis
$ 1 ?-yow cheek nt enclo
Ch Grd Be?Ada.
cores emounl cross t
address or e-mal? Print an hack
-78630009838:lr009915810000040
22476 eEX Z 25151380
Ir
rrlUdrrlyddrd,rlLrrldrrrdlrldr..ilydrlr.rA.Jlrrl
HEATHER M WILLIAMS
218 INDIAN CREEK DR CAROMEMBER SERVICE
MECHANICSBURG PA 17050.2528 PO BOX 15153
WILMINGTON OE 19886-5153
Irr1111rrrlNrr,ddrllrrr.rLlrl.lrrdd r1lrrrr.lllrrLrrll,l
1:5000 460 281: 203 LO S693786351a
DPW ate:
* 08!25108 - 09/24108 CUSTOMER SERVICE
Psyrr
CHASE us D
a D 10119"
inU.S. 1-800-945.2000
"nin ayment
m
ns Payment Due: 83.81
$983.81 Espaflol 1-888446-3308
TDD 1-800-955-M
Pay by phone 1.800.436-7958
Outside U.S. cal collect
VISA ACCOUNT SUMMARY Account Numbarw 7863 1-302-594-8200
Previous Balance $9,559.41
7
+e Total Credit Lim
l
bl
C
edi $9,500 ACCOUNT INQUIRIES
$o P.O. Box 15298
Purtl
lt", Cash, Debris +$11
.00 va
a
e
r
t Wilmington, DE 19850.5298
Finance Charges +$239.40 ash Access Line $9.500
New Balance 9,915.81 lane for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19888-5153
VISIT US AT:
www.chWOgDmtcredilcards
The new APR and promotional rate =:, r on thb statement la a result of a labs
payment on your account For your , can always pay online by access" our
websle displayed on this statemen.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
Dally Periodic Rate Ccrresp.
Category 31 days in cycle APR
Purchases V.07942% 28.99%
Cash advances V .07942% 28.99%
Balance transfer V .07942% 28.99%
Total finance charges
Effective Annual Percentage Rate (APR):
Please see Information About Your Account sec
The Corresponding APR is the raft of Interest yI
The Effective APR represents your total finance
such as cash advance and balance transfer feet
Finance Charge
rage Daly Due To Transaction Accumulated FINANCE
Balance Periodic Rate Fee Fin Charge CHARGES
$4,254.85 $104.76 $0.00 $0.00 $104.76
$0.00 $0.00 $0.00 $0.00 $0.00
$5,468.88 $134.64 $0.00 $0.00 $134.64
$239.40
28.99%
for balance computation method, grace period, and other important information.
ay when you carry a balance on any transaction category,
rges - including transaction fees
rpf-std as a percentage.
This Statement ?s a Facsimile - Not an original
0000001 FIS33335 D 5 000 N Z 4 Ofl/ IMI P.O. i o/ 1 05M MAMA 22478 26610000050002247601
X
34/46 Address Change Request i
Please provide Information below only If the nadtlrea information on front Is incorrect.
l
Street Address: _ ----------------
-----h
City: - ------------
State: --r-
Zi
: ----
p
---- i
-
Home Phone: ---
Work Phone: --- --- - --
E-mail Address: ----- --------------------
wwm m A" War Account
teal w Aida Cade Please report your lost or stolen immediately by
calling this Customer Service number found on the front your statement.
Advisor m always "table to esshat you. You can re A an Advisor by
pressing 0 of eryou enter your account nmmber.
CMMIM of pegsralc For payments by regular U.S. mail send at least your
minimum paynrntdue to out post office box designated l 'paymentsshown
on this sMlement Yaw Payments by mat must campy " Ill do instructions
on this slatament and must be made by dual or man order, payebN in
U.S. Dollars, and drawn on or pay" through a U.S. dal insOn+gn or
the U.S. branch of aforeign financial lostlbrtlon Do not. asst. Write your
account number on your check or moony order P mnls must be ily a gad by the payment coupon In the envelops with our
at
address vwaibie through the envelops wMmow: then cenrt contain
mom than are pgnwnt or coupon: and titre an be no s, paper dlps,
tape or'comapaidence included with your payment. It oar payment is in
acardeaoe with our paymam InstrUANS and is mew to us n ay
tea, .re..+r rtwiee.r eF. tits t•rA. a m_ local tone a. t oat Mike bOX
M for paymanle ate this amoemant we I credit f to your
hx<dy.ityyeu eo ratrogcwr.aurlgy tinstrwxrotnsak
rat ant by regular U.S. mall to r post otfla box
rrnb.cas ohq atyourpsyineM my dmyed rorup to
made ebdfmlcalNthragn our abd bephee
Serdce adtesor. -or our web rote WI M sutgact to airy
add these parodic finance charges to Your 011 Baum to get the boomnMq
balance for the next day. (N more Utah One alt periodic raft could apply
based on the aremp ddaa?MMyy?,boleros. we will use the dai?the pado fx'Bdle rate that
couddr yte 8ta?a?N ?o os? chamount at dathe o np ryde to
To get your total periodic IMance charge for a bAAnYy cycle when a d
periodic rab(s) apples, we add all of the daily Periodic Anna charge for I
features. To determine an average defy belana, we add yyor daily balances
and divide by he number of be days in the appliabe bigMg cycle(s). It you
multiply the average daily balm for each feature by the applicable daily
the
h d a-iiidh'ifinea acuirsY) •and then add all of the results together,
for a tihAmg cycle when a roMl* WOM r s apposes, mum" me
average daily balance for each Nature by tiro ?pp1r mn#* Periodic rate
and add the nesdts together. The told wig equei the pedook finnce charges
for the billog cycw except for minor vafalfns due to rounding.
Gus PWM (et IOM 28 dsys): We scwe Pddi IMnca charges n, a
trarosdion. Poe. or Antra closings from the dab it is added to your daily
balance unig payment In fall is rwSW on your account. However, we do flat
cage periodic 8rmce charge on new purchases failed during a telling cycle
f we M09W boo payment of your New Balnce on your areal statement by
the tae and drib your pymnt Is due and also Payment Of Your New Balance
an your pedeue statement by the deb and dine your payment was dir.
There IS no, grace period for balance mensfee, can advances, check
mensectlata, or overdraft advances.
In addition. H thm is a "OUaldyfng Promotional Financing' aeo w an this
statement you will not incur periodic finance charges on any BemalnMg
Balance that appeal in that section of you pay that balance in full by the
applicable Expiration Dow. However. f you default under the tarn of your
Cardnwnber Agreement or any Qualifying Promotional Rnandng offer, the
applicable periodic Bnnce c1q?a nN a me n Remaining Balm es
son a the bNMq cym In edhich the hbbrde occurs. To avoid Anna Charges
on naw purchaes when your New Balance Includes any Remaining
Bdna(s) In the 0 Promotional Rneadmq satin. pay Your full New
Blanca mfi Ihe=ocee Remaining Nam(s) by ft dale and I-
your Payment is due. However, f your statemant shows that a rnmenum
Payment ==1 ust rereive at last that minsnwn payment by tiro dab
red tone your statement am t your New Balance consists ny
of our lying Promotional Financing bahnas.
For "delerted intaar Oud'fyeg Premlacnd Rnandtg, Periods finance
chops accrue during the promotional period but are not added to your
account balance. Instead, they &=and&% from billing cycle a baling cycle.
If a deferred interest Qualifying Premodeal Financing balance is not paid to
hat M The applicable Embdbn gab, the debrrd Bence charges will be
added to your account a soon as the flit day after the ExprBn Date.
Further, it you defauk under the terms of your Cardmember Ageement the
deferred finance charges will be added to your account as son a the dab of
defak.
For "feed payment" Oualyirtg Promotional Fkwhdng that pemnb YOU W Pay
for a purchase in a designated number of payments, you will not have a grace
paiad for that balance as each Payment Includes a portion Of the interest
owed over the repayment term for oat purchase. However. you will have a
grace period on other now purchases as described show.
Bum R18NTs SUMM M
in Cans of Effete or OaO/ecc Aced Year Sit If you think your bill is wrong,
or if you need more information about a transaction on your bill, write
Cardmember Service on a spabth sheet at P.O. Box 15299 Wilmington, DE
(9850.5299 as am a possible. We must how fron you no later than 60
days after we sent you the fist bill on which the error or problem pPesred.
You can telephone, us, but doing so will notpresuve your rights. In your letter.
..give us the rogormg Information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, Ryou an, why you believe then b an error.
if you need mom information, describe the item You an unsure about.
You do not have to py ay amount in question while we am investlgatIng, but
you m !n8 aNgabd to pay the parts of your bill that are nut in question.
While we inwstlppaab your ques0an, we cannot repo you as delinquent or
take acgn to cdlecI fle amount you question. It you have Authanmd us to
pay your credit card bad automatically tram your savings or checking account,
you can stop the payment n ay amount you think is wrong. To stop the
payment your inter or cal (using the Cardmember Service address or
biepthne nurttMr Chown on this scat a nq must resch us at least three
business drys before the automatic Payment is sdodoled to Dear.
spned Risks ter DO& Cad Psr essia- It you have a problem with the
quality of goods of services ma you purchased w hh a credit card (exdudmg
purchasing made with a dock), and you have tried In good loth to rbrmct the
problem with the merchant, you my rat have to Pay the remaining amount
due on the goods or Services, You hew We protection fly when the
purchase pia wa morethan550 and oe purchase wa made M your home
stab or within filth miles at your medMq address. These limitations do not
apply if we awn or operate the merchant, or If we mated you the
adveltSWMt for the properly Of saretas,
about your accaat to credN bursae. Lam paymante,
other detalb n Your account may bereBax.d M your
a
iseed pymeObyes
redk repot If
think we have rationed maburab Mfamation fo acne t bur - you m y
wde to us 21 the Cardmember Service address F on your billing
statemnt Notice About Electtnic Chad: Convereion: you Dade a
check as payment you authorize a either to use in from your deck
to mom a One-time electronic fund Vasi from your ount or to procea
the pymnd as d dladh transaction. When we use in mrtn from your
'
check to make an sbclmnic fund Mebt funds may be drawn Iran your
ill
t
account as soon as the lamed", We tsaiva your pay
receive your cod: heck I= Your financed esptudm
' no
aM you w
the cusomar
service number on cis statement it you have qua is about electronic
'
check collection or do no vent your Payments collected cry.
CaNiBsMPayat Anypayment dwdeorother form
d paymenttfrtyou
h
ll'
id
send us for lea than the full balm due that Is ma
contaMS a similar rotation, or th21you otherwise tender n
i
or
ad pa
full satisfaction of
a disputed amount must be sent to Card Servi P.O. Box 15049,
Wilmington, DE 198503099. We resell all our dg
d
h
i
valid d" is regarding these
sudtnadt
of Wa
t
em
sno
payments (eg.,it Hisdetermine
is received at any other address, we axept the ch
owe any remaining. balamr). We may re fuse to accept
remming it tag you, not casing it or destroying it NI o y
ck and you will stiA
such payment by
r pyments mat yon
mob should be sent to the appropriate payment ad
Anal IMaMaat NWa: If your account has an nasal fee, it will be billed
each yea of In -monthly Installments, whither or not use your account
and you agree to pay It when billed. The annual he is n is- ndabiI unbsa
you nolly us that you wish to dose your account with 30 drys of the date
we mad your statement an which the annual tan is rise d amt at tits sane
time, you pay your ourstndinq belareefn fu8. Your pay
does not affect ourrights todoseyour aowntandto t of the anmual fns
kyaurdgMromalu
transactions on your ateeunt If your account is dosed yid or us. we wtl
continue to chirp the annual fee until you py your tandMg balance in
full and terminate your account rdstlarhhp.
Explaastin of Floacc Mayes We cebuteb age a Onm dtages,
using. the 8*01bte periodic rates shown an We m
eadr eabwe (eq., balance transfer/convenience on n1, sepudely for
and ash advance
checks ('reed: transcctrnj, purchaes, balance trap r. ash advances,
promotional heeOCea of overdraft advances). se consult your
Cardmemli Agreement for the Poaates that are to your care.
These cdcuetens may combine different ca tegores the same daily
periodic mass. If Were s a "V° text re e periodic raw this shtemnt that
raw may vary, and alb Index and margin used to deb ire 11121 rat and ib
corresponding APR am dasentrd In your Card tier Agreement as
amn6e4..TMm is a minimum flnana charge in ay biA' q cycle in which you
owe any paic* Owes charges, and a transude 0 as charge far each
balance transfer, nth advance, or deck transaction, M 168MOunISSUIltdift
your Cardmember Agtamem, as amended.
Ta ppet the detN balance fa earl dey at 1st current nil
beginnthq Balance for afar bafun. add fly new teas lice, we tale the
are or other debits
(Mduding fee, u.pddfinnce dhapes red other rages), subtract ay
paymnts or credds, red male other adrysOnerhb. i 'ons are added as
at he transaction dace tits beginning of the biAM9 cy
Imr dace of our did In wt idh they are
(except that check
posed to your accamt or a
trartsectons m added a at the dab deposited by the a A later dm of
aurchaice) Feces ter added dither on tlha dab ofareb bansxtln.the date
Nay are pnrte0 ro your account or the hat day of the b loo Hyde. This gives
us that caarrs day balm. R credit balance ns b'esbd
!ti
Po a befna d am. the
the
dry tud
b
py
ear, we mu
a daily periodic reNapldfa to ay
odic na1 cnages
roily periodic roe m list your par 6 ce y
y
- r that day We ttwn
MA0307M
Statement for account number". 401 Du 1"... Payment
New 6229.75 Payment Due Data Post $568.00 $1,674.75
$10,229.75 11118108
35/46
C1hW Cud aura eodo9ed.
Please wilts
New address trma97 Print on back
786300167475010229750000006
3352751 Z 29!09 ,WI'
LLIAMS
K DR
218 INOIAN CREE
MECHANICSBURO PA 17050-2526
Imfllnel Ilrnrl2lrllunrlr1/lrlurlrlrlluurll?nlurll.l
Date:
1:5000160 281: 20 ]l10 5693 786 3511'
CHASE O
Previous Balance
Purchases, Cash, Debit
Financs Chafges
New Balance
CHASE O
Irrrlllrlr2l..Irlrrlrrlirrririrrrrll.Irlrreilr.l,lrrrlleelirrl
CARDMEMBER SERVICE
PO BOX 15153
WIIMINOTON DE 19886.5153
179125408 - ;012 18 CUSTOMER S R InU.S. 945-2000 $1 .674.75 Espana I -80BA46-3308
TOD 1-800-955-8080
Pay by phone 1-800438.7958
outside U.S. ? 5944200
S 7885
I4000UNT INQUIRIES
$9,500 P.O. Box 15298
$9,500 Witntir ton. DE 19850-6298
$0 PAYMENT ADDRESS
P.D. Box 15153
Wilmington, DE 19885153
v1SIT US AT:
axuA 1°' mn9fcrediwaWL
$5,916.81 Total+m
+$78.00 AvaY credit
+$236.94 Cash
$10,229.75 Ava 18 le for Cash
Your credit card amount is past due. Please send
(CCBect 1-302-594-82170) today.
:n A uaA1`T1[1MS
immedi teiy. Call 1-800-955-8030
Trans - -- Marched Name Tra saction Des7rlP -
Data Reference Number
Credit Debit
FINANGr (,rrgrcvw Finance Charge
Transaction
ard
Ax FINANCE
Daily Periodic Rat Corre9P. Ave, a DaNy Due To
Periodic Rate Fes is Ch
Fin Charge CHARGES
Category 30 days in cycle APR
49% Balance
$0.00
474.32 $104.77 $0.00
$0
00 $104.77
$0.00
V .07B05% 28.
Purchases V
07805% 28.49% 50.E
,
$0.00 $0,00
00
$0 .
$0.00
$131.17
.
Cash advances
Balance transfer V .07805% 28.49% .
801.77 $131.17
, $235.94
Total finance charges
EMeefte Annual Pecen" Rate (APR): 28.49%
computation method, grace period.
balance
balance
and 'her importsM inMrrnatlon.
please see Information About Your Account section
vAhan YW carry a balance an MY transaction ce'"Naxy.
terest
f I
ou P Y
n
Y
The Corresponding APR is the rat o
cha es - Including trarnacbn fees
The Effective APR represents yaur total Mane
nsfer fees - e txessed as a Percentage.
t
ra
such as cash advance and balance
This Statement{ Is a Facsimile - Not an originals 33527 2981oW0090003362701
0000001 FIS3333509 000 N 2 24 0917012/
X
36/46 Address Change Request
Reese provide information below only If the address Information on from is Incorrect.
Street Address: - ----_?-------------
City: ---------!-----------
State: $ --
Zip: ----- ---f-
Home Phone: --- --- --_--
Work Phone: --- --- -E----
E-mail Address: - -------------?---?--
L
Mbnnslies Abed Yaw Iaaoahd add Mass periodic finance charges to your defy balance to get the beginning
b
f
d d
if
h
d
rt
l
l
h
ll
i
di
Lod or Bldg Cade Reese repon your last or stolen ance
or t
e no
mow t
an all
a
y per
c rata cou
app
y
a
ay (
o
rd immediately by
ailing the Gustaner Service number found on the fr t of your statement based n the avsnpe adhj balance, we will use do daily periodic rri that
d
t th
f th
billi
f
tl
ff
b
l
t
d
l
t
Advisors are always available to assist you. You can ar
a averepe
a
ance amoun
a
ng cyc
o
a
y
e an
o
e
e
acts an Advisor by
pressing 0 after, you enter your account nurturer. madam the dally pedodc finance charge each day.)
CmMv4 otPaywaale For payments by regular U.S. m ol. send at leeatyour To get your local padodc finance charge for a bggnqq cycle when a dale
minknum prsymwrt due to our post of0n boa designated
an this statement. Yaw paima ds try mad must campy tot payments show pBdock nab(s) app9ss, we add d of tie ddy pwUic Anance charges for all
wilh the Instructions =ms. To datemdw an average dealt balance, we add yyo0uur daily bdnces
d dr
bilN
ft b
tl
f
he d
i
ti
bl
l
If
b
li
on this atskkaml, aid most be rahb by dhad( or m a num
er o
i
y
t
ays
n
e app
ca
e
t g cyc
e(s).
you
order, payafde in, an
U.S. Dallas, and dram on or pyril ibrngh a U.S. aid nsgadn or multlpy the aced degy, balance for sack feature by the applicable ddy
arkdic rate
aW Mir mt ti
y each of gross results b
1M number of d
s
the U,S. branch of afefnigm Wrondd Ins III . Do not
account number on your Chad or money order. p
,
y
ry
cosh. Writ your p
yments must be n the applinble 6Rtlnq cycl6{sf, end tlen aid eti d biro readis togtlar, the
accompaded ty the payment coupon M the env" provided with our total wall dao eghW the parodic finance ohm" for the dMhro cycle. el¢ept
%
address Ndhsthrough the , opewkhdawtbeen c echage
bpeCanada Donwh formnorvidatna dusarounding, Togotyour total peno&&
more then one payment or coupon; and tiara can be n
tape or cotrapdndehb kwledad wtib Your payment. staples, DaWr to , for a billing ryde who a monthly perloft raba((s? apppu. mulfi* the
Your paymnt fe n SWIMMe daily balance for each full by the appacebb mnMdy periodic rate
d
dd th
t
th
TI
t
t
l
ill
the
d
d
M
h
accordance while our pendant in cdons and to made e resu ts
nnw c
a
oge
er.
M
o
a
w
"
pe
o
c
arges
ode a us on ay an
day m;cpt December ' 252 by 1:00 pm. kd Ibna st our pmt dBw box for the billing cycle, except for minor variations dire to rounding.
designated for payments on this alM . we wgl all the payment to your Gauss Failed (at leaf 21 dep): We accnb periodic fmnce charges on a
account as of do day: It your pa??m Is In accord Wib our pyment tronserdn, fee, or finance charge from the der it is added to your trey
lratmctaro, but is made avdlede to era aflr 1:0g pm. al tans at our poor bdna cent payment In hum is received on your accowht. However, we do not
office box deagnaed for payments on this Moment will credit It to your ==die finance charges on raw purdusses balled during a billing Cycle
account as of tie next day. It you do not fellow our py inewctna or t both payment of you Now Belnw on your current staemant by
your payment is not sot by regular U.S. mail to ur post offm box the dots and time your payment is due and also pyme t of your New Balance
designated for payments, credidig dyer payment m be delayed forup is on your previous statement by the dab and the your payment was der.
5 days, PayrfMnts made eledrnicaly through our
b
i
i
A ianaled alephone There Is no grace period for balance tranalet, cash advances, check
d
N
serv
sors, or our we
ce, Customer Serv
ce ad
site
processing frmu disclosed for those payments. be subject to any transactions, or over
raft advances.
I
In add ion, If there Is a'OualOying promotional Financing:' section on this
Aaa*kbmubuRperadtoCuaddBawasa:We reportinfanatin statement you will not incur periodic final charges an any Remaining
about your account to credit bureaus Late isaymento.
the
Its on
our account ma
be reAedad in missed
payments or Balance that oppose in that section if you pay that blow m full by the
credit re
ot 0
ir
How
v
r
o
d
ta* und
r qu
ou a
li
bl
Ex
ti
D
b
If
a
y
y
ou
o
r
y
mint vas have repaad hpeeurar information b a p
y
,
y
pp
ca
e
p
a
on
a
.
e
e
u
a
e
a
rms o your
d0
bo
rate, you may Cardmember Agreanem or any Oual" Promotional Financing offer, trio
f
were to us at the Can hm mber Service address ad n your biiMg applicable periodic finance daryp wad acme OR Remaining Balance as
statement Notes About Electronic Chad Conversion: you provide a soon as the bling cycle in which the default stun. To avoid %we@ charges
when
check as payment you euthodn us either to use into tiara from your check on new purchases
when your New Noce includes any Remaining
to make a one cane electronic hum transfer from your
me payment as a dock transaction. When we use aMl
ant or to process Balance(s) in the Ootole(oFMau Remolding Py your IWI New
ns from your Balance minus the gdy(s) by tlw date and Ikna
Mn
dads to make nelectrodc fund transit, funds may
be
draw from your your payment is due. However, if your testament shows the a minimum
account as soon as the same day we Motive your p
' ant, and you will not payment is due, we must receive at least that minimum payment by the dab
receive your duck batik from your hnandd nsub . Call the aakmer and Mme specified an your salement even 0 your New Balance consists only
service number on this staanad if you he* ques about ehachonic of QWOying Promotional Financing balances.
dadk collection or do riot Wren your payments cal eletraNwly. For 'def i fred Interest" Qualifying Promotional Financing, pnode Mann
CaadNWWlasynaakAnypayment check orother to of psy nartthatyou dargu scaue durio; the promollond period but all not added to your
sale us for loss hen tine full balance due that is me "pad in half' or accent balance. Instead, they accumdake from billing cycle to billing cycle.
conaka a similar notation. or Matyou otherwise tends in full satisfaction of If a daared imerea Qoall" Promotional Fred drp Ydalce is mt paid in
a disputed amount, must be sent to Cad SeM P.O. Box 15049, fug by the applicable 80rat on Date, the defarad Ananco charges will be
Yvilmngtn, DE 19858.5049. M Deserve all our d his regardn then added to your account as soon as the first day afar the Expiration Date.
paim"M (e.t, Kit is determined then is no valid disou or day such dad( Further if you default under the anus of your Cardmember Agreement the
is received at any omen address, we may aocopt the and you will sdR daferred Anance charges will be added to your account as soon as the dab of
owe any remaining balance). We my cease to accept such payment by detadt
returning it to you, not cashing it a destroying it All o
make should be sent to the appmpraa payment addr payments that you For "Road payment' Guagf0; Promotional Financing the permiis you to pry
3. for a
urchase his despnaad number d
ou wig not h
mnts
ys
race
Anad Raaunaf Rein: If your accost has an ann p
py
,y
a
a g
fee, it will be billed pariod for that balance as sack payment includes a portion of One interest
each yea or in monthly Installments, whether or not u use your account owed over the repayment ten for that purchase. However, you will have a
and you agree to py it when billed. The annual in is -Mbndade mass gran period on other haw purchases as described above.
you nofityus that you wish to does you r account will 30 days of the date wwo WWI suwmny
we mail your statement on which One annual to is chl 'god and at the same
time, you pay your outstanding balance in full. Your ppaayy nt of the annual in to Can of Effcea w Ooudm NOW Yaw BIN: It you think your bill is wrong,
does not a% Of Ou r rights todose your account andtoN 'Iyourright tomake fir ant you need more Woo ahen about a transaction on your oil, wria
C
M
1
il
d
S
h
O
B
9
transactions n your account If Your account is does ar
member
ce on a separae s
I
elf at P.
.
ox
52
9 W
mington, DE
by you a us, we aril
comma ts large the annual fee until you py your Wordng balance in 1QO50-5299 as soon a possible. We must har from you no far Man 60
full and terminate your account relatlaahip. days aher we sent you the first bR n which Me error or problem appeared.
E*Im tea d Raaus Chorus: We cekulale pen k Mani charges, You cantslephneus,butdongsowmnotplo"your rights. Inyaurletior,
9rhe us the leMawkg nbrmaden
uskg the aDpAwde periouk rates shown n this as .
nt separately fa
each feature balance transfer/cnvadance da and cash advance • Your name and accamt number
checks (`check transadtlW), purchws, balance Iran , cash advances, • Tie dollar amount of the suspected error
promotional becanass or overdraft advances). ease ensu It Your
. Describe iba error and eptein, if y W dm, Why you bellew there le an BRaf.
CaNmemtier AgroemeM fair the featshus Met are Mwba to yew nro. If you need more nformadn, describe Ma lam you all unsure about.
These calculations my cambia different mlagod s
periodic rates. It there is a Ir next to a perbdc rye vAth Our same day
be statement, that Youda not have a pq any amour can gfastkm whife we are investigating. but
bi
ill
rate may vary, and to Index and moron used to d a
gsb to py the pats of your bill that are not In question.
nine that rate and its Yyou are st
Wldle
our
tion we
n
Lt
ot re
d
rt
li
t
corresponding APR ell desalted In your Cardme or
L:
a y
ques
ca
n
po
you as
e
nquen
her Agreement, as
amended. Thera is a f ri imum finance charge in any bill
awe any periodic finance charpas arid a transaction on
g cycle in which you actin oofleci IN amount you question. If you have authorized us to
ones charge fir each Dry Your credit Cold bill automatically trom your savings or chndng account.
balance hanstet cash advance, or died; transaction
in the amounts stated in you en stop the payment on 2 amount you honk is wrong. To s? the
,
your Cis rdmember Agreemant, as amended. payment you letter or cell (wing the Cardmember Service address or
telephone number shown on this statement) must mad us at least three
To Mqeet on daily balance for each day of the current
begnning balance for each feature, add any new mat cyda. we cam the
business days before the automatic payment is scheduled to occur
ns or other debits
(including fees, unpaid games charges and other arges), subtract any quality of poµoft her or sWR Card Porcluous: If you u YA* have Md problem the
(excluding
m that you
paymants or credo. and make other adpuetrnents. T
of the transaction daft, to bagkminq of Me dang action are added as ?n? me& with a
h and ied In
e In which May, are you have tr goad faith to Centel the
posted to your account or a star dab d our Ch (except that check Problem with da merchant, you may not have to pay the remaining mount
transawftsare added as of tie dab deposited by the as fear ilea d der on the goods or services. You have ibis prommon only when the
purchase price was more than $50 and the purchase was made in you r home
our choice). Feas areadded or In ibe daa of a role
they are pasted to your account or the last try of Me
' transeetln, the daa
in9 qcis. This given stso* if wo own ate or with in 100 of your feelin addre. limitations do not
oormiles Operate IN merchant
or ii ewe mailed
ou me
us that day
s day taiaruw. A credit belanw is treated ,
y
a bdahce of mre. If a cement for Me
rt
ro
vice
dverd
a daffy periodic rate applies to any %tt was muitby p
pe
y or ser
s.
cagy balance by the
dairy periodic rata to get your Denodk finance chargss for that day. We then
MUM
Statement for entDu tnbor. 78e3
nce Payment Due Date Pad Due Minhnum Payment
B
l
N
ASE O
ew
a
a
$10,572.73 12/19/08 $945100 $2,428.73 CH
37/46
'
IU< P.y.w. ?:
yq
M.?. erd 9m
Chw t
Plows rim erriount nt 0nc1wed.
New rest or a-moil! Print on beck-
786300242673010572730000003
! h1.11it1111u irlu6r111.4101 MAIfidm Il4drl, Ul 11 $1 6rl
23887 BE(Z 32WS0
HEATHER M WILLIAMS
218 INDIAN CREEK DR !
CARDMEMBER SERVICE
MECIiANICSBURG PA 17050-2528 PO BOX 15153
WILMINGTON DE 19888-5153
Irrrlllr,r111rr,rIJr11,,,1r1.Idd.,,l.l,i1,?,.r111„LrrlLl
t:5000 L60 284 03 LOS 69378635N'
Openhigl osing Date: 10!25108 - 112488 CUSTOMER SERVICE
1-800-945-2000
z42? I
CHASE 0 Minimum Payment ?ue: $
-856-446-3308
E I
TOO 1-800-955-BOW
Pay by phone 1-800.436-7958
Outside U.S. call collect
1-302594-8200
VISA ACCOUNT SUMMARY Account Number: 7663 ACCOUNT INQUIRIES
Previous Balance $10,229:75 To al Credit Line $g,500 P.O. Box 15296
$0
Purchases, Cash, Debib +$78.00 AV 1aMe Credit VVilmi ngtori. DE 19850-5298
500
$9
Finance Charges +$264.98 Cs sh Access Line
A iiable for Cash .
$0 PAYMENT ADDRESS
New Balance 510,572.73 P.O. Box 15153
'.. VYNmington, DE 19SW5153
VISIT US AT:
The charge privileges on your credit card account 119 ve been revoked. You no longer have the
ability to use your credit Card account for Wrct¢ VVe can help you get back on track. Call
1-800-9558030 (collect 1-302-594-82001 today.
The new APR and promotional rate expiration ref! on this statement is a rwWt of a late
payment on your SOMML For your convenience, you can always pay online by accessing our
webske displayed on this statementw.
TRANSACTIONS
Amount
Trans Date Reference Number Merchant Na e or Transaction Description Credit Debit
Daily Periodic Rate Corresp. Al
Category 31 days in cycle APR
Purchases V .082169/6 29.99%
Cash advances V.08216% 29.99%
Balance transfer V .08216% 29.99%
Total finance charges
Effective Annual Percentage Rate (APR):
Please see information About Your Account sectb
The Correspaxfirg APR is the rate of Interest YOU
The Effective APR represents your total finance ct
such as cash advance and balance transfer fees -
Finance Charge
wage Daily Due To Transaction Accumulated FINANCE
Balance Periodic Rate Fee Fin Charge CHARGES
$4,683.60 $118.78 $0.00 $0.00 $118.78
$0.00 $0.00 $0.00 $0.00 $0.00
$5,740.24 $146.20 50.00 $0.00 $14820
$264.98
29.99%
for balance computation method, grace Period, and other important intortnaWn.
ay when you carry a balance on any transactan category.
urges . Including transaction fees
messed as a percentage.
This Statement lis a Facsimile - Not an original
0000001 FIS33335 0 8 000 N 7 x.24 08M V24 Page 1 ar 1 asses -AA MA 23887 32910000090002988701
X
38/46 Address Change Request
Please provide Information below only if the ?dc resa Information on front is Incorrect.
Street Address: ------?---------
City: - ----?'--------
State: --
Zip:
Home Phone:
Work Phone:
E-mad Address.
L
Iateenla' Abel Vow Awed add these periodic firma chat" to your deih balance to gat the beginnnq
If
c
d
N
di
t
M
h
ri
l
Lori u IIeNa Cade Pleese report your lost or stdbn rd immediately by e for t
e next
ay. (
more No ore
ly pe
o
c ra
e oou
balan
app
y
awing the Cusomer Service number found on the fro of your statement based on the average OMy balance, we will use do daM.", odic rate that
c
cle to
vea
it balance amount at the end illin
piles for the
a
Advisors are always available to Least you, You an
pressing 0 afbr you enter your account number sch an Advisor by g
y
a
ge
p
calaMee Me daily periodic finance Burge each day.)
CndNhvof PayhaaafecFor payments by regular U.S. in; 1, To gas your ttal periodic finance large for a billing cycle when a dailyy
di
f
dd d
f
dr
i
c
ll
fi
li
minimum payment due to our post office box designated
l
Y
d
t
t
b
i r payments shown
Instr
M Min
ns
ti k rate(s) app
y per
o
c
nance
harges
or e
es, we a
o
to
we add daily bNences
.. To determine an average dai)r balance
y
our paymen
y ma
mus
comp
on th
s star m ot.
s
hi
d
t be m
d
b
h
c
mix
t
t e
uc
o
o
ble In
*
a ,
and divide by the number of die days in the applicable bli cycla(s). If You
on t
a
e
e
k or
s sta
, an
mus
y c
emen
US. Ddtars. and dram -an a pay NMe through a U.S. 11 r
p
ya
iy
call institution or =d* the aviel daily balance for each Wbne by Nro Wificeble daily
f da
s
dk r
l
lts b
th
umber
od
s
d Nu
m
each of thos
e
lti
dim U.S. branch of a foreign tlnendal Institution. Do not and cash. Writs your y
o
a
e, an
n
u
e r
su
y
o
p
y
e n
p
and Own add all of the results together tha
In Me applicable billin
cle(s)
c
account comber on your check or money order.
accompanied by the payment coupon In the a
address viable through this envelope window; ties an aliments must be
pmvwod with our
ops cannot conWn g
,
y
told will also equal tins periodic finance charges for tha lolling cycle, except
for mlaorvarfefla s due to rou tli?Q. To 99your told periodic f nm charge
more Man one payment or coupon; and then can be sgrples, paper dips, for a Dil?inq cyder when a monmy Wageraises) apples, multiply Nro
eriodic rate
Nn
fe
Me monMM
b
f
c
t
e b
?
hue or comespandmw imseded wish your payment. I your payment is in y p
avenue
a
w
or ea
h
a
u
y
Y
TM
he
i
di
h
t
IN
fi
accordance with our payment nsnudons and is made able to us an any and add Mile reacts together.
eq t
per
o
nance c
arges
to
al w
c
day except December 26 by 1:00 p.m. local dme at r post office box for Me baling cycle, except for mina veriatlens due to mundfnq.
designated forpsyments on this shhment, we wwUI cm ties payment
t to your
Erse Perled (d MM 26 ship): Wa accrue petodtc fiance charges an a
account as of that day. If your pPaynlais Is in accordan until our IueYMOM transaction, M, or tirance charge from the dab it is added to your day
instructions, but is made aYNlehle to alter 1:00 pm. rime
at our post
brand and paymem M fug Is received an yaw account However, we do not
of0aboxdesignated forpyme tsonthis statement, wytcredllttoyour charge periodkflnamchar aannerpudnaesbllMdurNhpabllingcyda
account s al Mw next clay. If yoo der c tolow au Ws'
of
iaaductlons or d
rf we nerve both payment of your Now Batenw on your current ahamem by
your payment is not sent by regale U.S. mW. to r poet office box the dab and thrhe your payment is due and rao payment of your Now Briars
dea(phriad for payments, on a r paprnent -
Pa
m
lect
f
h our
5 d
d
N
t
throu be delayed for up to
tom
ted bl
hom an your previous statement by the rub and time your payment was due.
check
ray
eriod for balsa transfers
ash advances
Ther
is no
ays.
ymen
a
e s
ran
a
y
g
s
am
service, Customer Sella adn or our web site
p
a
1 be
cabled to any
g
,
e
p
,
transactions. or overdraft advances.
proces
sing times disclosed for those payments. In addition, if there is a 'Qualifying Promotional Floendng" section on this
MearttaNusaYNRgeIWMCnNIBemecWem reportiniomation shaman, you will not roar periodic Inahw charges on any Remaining
payrthens
about your account to credit bureaus. Lots ,
our ac
ou
r default
ourd m
be re0e
ed in
oth
used payments or
credal re
ort M
ou
Balance Mint appears in that section If you pay that balance in full by the
our
plicable Ex
iration Date
Hamm
ou default alder Me terms of
a
N
g
y
ry
e
c
s an y
think we have reporW maumm in shoo to a p
y
buns, you may .
,,
y
p
p
y
Grdmember Agreement or ary Duaglyhhg Promolonal Financing offer, the
Wdb to us it the cardmmdw service Address I run your billing apphcabie periodic finance chaps will accrue on any Remaining Balance as
sa roan Hake About Electmere l?aedk Conversion: you provides
:4 am as the bung cycle in which the default occurs To avoid Mom charges
check as pynhnt you euthorae us Ntlwr ao use inform an from your ch on new purchases when your New Reliance includes any Remaining
to make a one-time electronic fund transer from your ount or to process Balance(s) in the Dual promotional Financing section, pay your full New
=
the layman as a dads transaction. When we use In Mudge iron you Balance mina the
those those Remaining &hnce(s) by the dais and time
check to make on electronic fund iaarier, funds may be town from your your payment is due. However, M your aatement ohms Mat a minimum
account as soon as the same day we too" your p and you will not payment is due, we must receive at lest the miokmm payment by Me date
receive your ch"k bark it= IX Imendr Inset' . Cal the cusmmer and aria apeoled on your statement, wen if your New Balance consists only
service hounder on this sommat if you have coussil 63 about atectraMo of Ouailying ProMOOMid Flrnnong bola om.
check collection or do not want your payments ~a electronicaly. For'dobrmd intereaf Duallyng Promotional Financing, periodic Hance
pays - Arr
y chk
Co*IVAmW
a
ou
a
n y
promotional period but are not added to your
duarges
arve during
ma
I
g
balsa due that
send us
for less
tu
i
d
o
h 'd i
W or
cod pr
i
F
ll
i
f
f
i a
t h
May, aoamWia from bilnp cycle to baying eycla
wniced,
b
I
It
d i
O
f
i
f
p
l Fi
i
l
i
at you otherw
se en
s
contra a
n
rdo n, or t n
u
sat
s
on o
act n
a de
nterest
A
iWg
romotiona
s not pa
erre
nanc
ng
a
anis
d
a diputed amount must be sea to Card P,O. Box 15099, full dw applicable Expiration Dab, its deferred Amnce charges will be
Wilmington, DE 191504099. We resell all our If ts agardkp Mss added to your account as soon as Mat first day after the Expradon Dab,
payments (e.g., N N isdebmkeed Mom 13 no valid dispu or if say audu duck Further, it you defouh under the tents of your Cardmember Agreement Me
is received at wry ocher address, we may acept NN 1-11 ou mill sdY deferred finance charges will be added to you account as soon as the date of
awe any remaining balance). We ry afiuse to accpt such payment by defwk
returning it to you, not railing it or dasboymg it AN o
make
b
a
payment
should sh
swot
dftm payments that you For "feed paymmY Ousylnq Promotional Financing that permits you to pay
.
I M
yecaa ac
w account has
car shoo ou
Ma
ul Released
eawl
iNYes: tee
, it will be billed for a purchase in a designated number of payments, you will not have a grace
period for the balance as each payment includes a portion Of the interest
each year or in monthly installments, whether or not y u use your account owed over Me repayment term for Mat W rdnse. However, you will have a
and you agree to pay t when billed. The annual In is -refundable unless 9" period on ocher new purchases as described above.
you notiy s that you wish to dose your swam wo 30 drys of the date BIU
INB Mm $UitMAlfy
we mail your statement ge which the aeroN fee is der it and at the same ,
dine, you pay your outstanding balance in full. Your
of of the enm W in Cons at Emve or DaaYeae Abed Yaw MN. If
In C> you think your bill is wrong,
does nof affect our rights todoseyour &Mohntaidto it your night to make or it you need more intimation about a transaction an your bit, write
transactions on your account it your amount Is dotted you or s, qua win Cardmember Service on a separate shat at P.O. Box 15299 Wilmington, DE
continue to charge the emhust fee until you pay your tsmhding before. in 19160.5299 as soon as possible. Wor must hear from you no later than 60
full and teminaa your account relationship. days after we sent you the Rat bill on which tie error or problem appeared.
Expl antlen ri Fin a Changes: We calculate pe a finance charges You an telephone us,butdomgsowil notpreaerve you rights. In your ktwr,
9hv'° the following Informalion.
using the ppilcahle periodic rates shown on this
each feudue (e g., balance bander/wmarkna man, separatey fa
and cash advance • Your name and account number
checks ("duck transaction"), purchases, balance ban n: cash advances • The dollar amount of the supeded error
promotional balances or overdraft advances). as consult your . Describe the error and explain, if you an, why you believe then is an error.
Cardmember Agreement for it* lo was Mat ate api kable to your card. It you need mom info mason, dowdbe Me ianrr you are unsure about.
These calculations may combine difterent categories
periodic mass if Men is a "y' next to a periodic raft sh the scone defy
this agreement Mat You do MOM to pay any amount In questlonwhile we are investigating, but
l
f
race may vary, and the index and margin used to d
ine that rate and Its Clan ari
Oblgekd to pay the, parts o
your loll Met are not in question.
ah your guestlan
we canna report you as delinquent or
le we invest
corresponding APR are described in your Cardme
amended. There is a minimum finance charge in any big that Agreements
g cycle In which you g
.
taw
action to collect Me amount you question. If you have authorized us no
pay your credit card oil aubmaNcaliy from your savings or decking account
owe wry periodic finance charges, and a transaction fir
balance tansfer, ash advance; or dwdc transaction. In ce charge for each
tie amounts stated in ,
you own stop N payment on any amount you Mink Is wrong. To stop Me
your CardmenbaAgreement. as amended. payment you letter or cod (using die Cardmember Service address or
on 'his
statement)
s at least three
numbe
e
r s
To get the daily balance for sets day of the current bill cycle, we Was the bsines
the aut
omatic
aymnt Is scheduled to
days
be
occur.
beginning balance for each bona, add my new ten
(including fees, Imports finance charges and other a or other debits
), subtract any Ravi lour Credit Card Feacksom If you have a problem with dire
payments or credits, and make otlrer adpustmana. T
of the transaction des. Me bepkxninq of Ma titling actions am added ae
in which they are quality of goods or services Met you purchased wish a credit card (excluding
purchases made with a check). and you have tried in good folds to correct Me
posted to your account or a Wier date of our cud (except tlM duch problem with the merchant, you may rat bets to pay the remaining amount
due on ft goods or services You have the protection only when Me
transactions are added as of the dace depoeitad by the p
our choice). Fees are added eider on the dab of a Mao or a I far Nte of
tranasetion, the does purchase price was mom than $50 and the purdhase was made in your horns,
they are poehd to yaw account, or the lost day of don
' ' q cyder. Thin gives sate or within 100 miles of your mailing address. Them limitations do not
apply if we own at operate Me merchant
or if we marled you the
us that daayy
s daffy hales. A credit balance is taaad a balance d zero. If ,
advertisement for the
or services
ropert
a dally periodic rah applies to any featere, we mangy daffy belenw ty die p
y
.
daily periodic rate to gat your periodic finance ch ergea or that day. We than
!VAa3ms
39/46
Statement for account number t 78ni
Now Balance Payment Due Date Pant Due M Minimum Payment
$10,875,64 01/18109 $1, 54.00 $3,140.64
IMa your cheek payable to:
c Card SsrAcm
P write amount enclosed.
New, address or a elf? Print on back.
CHASE O
?7863003140611010875640000003
33697 eEX Z 3590110 104.1116 L Jr dr It elk dlr..W. rtoll Llr.dl. rlrIMIll d l..I
HEATHER M WILLIAMS
MECHANIICCSBURG PA 17050.2526 CARDtvEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19SW6153
(n.{Iln.ll16nr{.Ir116nn{.Irl.16ul.Ir{N.urrlllulwllrl
I: 5000 i60 281: 1203 It 0569378635He
Gosing Date: 11125/08 -12/24!08 CUSTOMER SERVICE
CHASE O P Due Dat« 0,119/09 in U.S. 1.800-45.2000
Mil? Payment Due: $3,140.84 EspattM 1-888-4448.3308
TOO 1-500-955.8080
Pay by phone 140043&7958
Outside U.S. call celled
1-302-594-8200
VISA ACCOUNT SUMMARY Around Numwr. AIMMOMMINVIM
Pmvfos Balance $10,572.73 T otal Credit Line $9,500 ACCOUNT INQUIRIES 15298
Box
Purchases, Cash, Debits +$39.00 A , DE
vailable Credit $0 Wil
imkglon DE 198503299
Finance Changes +$263.91 C ash Access Line $9,500
New Balance $10;075.04 A vailable for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19SM-5153
VISIT US AT:
You haven't made the required payments and your credo card account is 90 days poet due. As
It result, yourcredit bureau may be updated with a negative rattrap. Please send your payment
Immediately or call us at 1-800-955-0030 (collect 1 302-594-8200) today.
TRANSACTIONS
Trans Amount
Dab Reference Number Merchant Ns me or Transaction Description Credit Debit
12/1 I.A FE 9.
FINANCE CHARGES
Finance Charge
Dally Periodic Rate Corresp. A e Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.08216% 29.99% $4,+121.64 $118.84 $0.00 $0.00 $118.84
Cash advances V .08216% 29.99% $(, .00 $0.00 $0.00 $0.00 $0.00
Balance transfer V.08216% 29.99% $5.885.83 $145.07 $0.00 $0.00 $145.07
Total finance charges $263.91
Effective Annual Percentage Rah (APR): 29.99%
Please see Information About Your Account sect) for balance computation method, grace period, and otter important information.
The Corresponding APR Is the rate of interest you when you carry a balance on any transaction category
The Effective APR represents your total finance rgea - indudktg transaction fees
such as cash advance and balance transfer fees - Pressed as a percentage.
This Statement ?s a Facsimile - Not an original
0000001 FIS33335 D 7 000 N Z 4 W12124 Page l of 1 05686 MA MA 33597 35910000070003359701
X
40/46 Address Change Request
Please provide Information below only if the aldren information on front Is incorrect
Sheet Address: - ----i----------------
City. - -----'---------
r
State: --
zip:
Home Phone:
Wank Phone:
E-mail Addree:
L
mlorwaNoot Abed year Aso" add these periodic tirence charges to your daffy balance to get On treppta"
ld
d
i
i
Lod OF Slow Cara: Please report your test or stolen
caning the Customer Service number found an the Ran c rate cou
appy
affy per
od
rd immediately by balance for the need day. (it mom dim one
tnalance, we wire use the Q&I odle rate that
W
y
of your sbbment based an the average d
Advisors are always avail" to usied you. You an r
amazing 0 after you enM your amount Fumber. d
al
y
ch an Advisor by a?POlmleaswf the daily odid ttholmd res each tho d of btthq cycle to
day)
Creilisg d Paylwale: For payments by regular U.S. m , send at lowyour To get your total periodic thence charge for a blip cycle when a daily
f
minimum payment due to our post age$ bat designated or
r payments shown ?
Two dib?ml?, w add all daffy daily p loan emit charges
'
on this statemoft
merit Your mpayments ust be be /mall must crimpy
or man
on this statement and must made by iia .
the In?udons and i ividsby to murder of die days In the app00ylt billing cycw(s. If you
order, payable in
h
U.S. Dollars, and drawn on or payable h a U.S. mumpy, to Overaagpee defy batons for each *hire by to applieablet defy
del kedbrdoe or
P M nab andf6am are" each of there result by the timber of d
drys
tie U.S. branch da foreign from kMdon: Do not
h death. Write your
and Nmn add all of Its media bgethet Ins
In dm applicable biting cycle(s)
st b
nt
o& or money order.
account number on your c
accompanied by the payment coupon in the an . ,
alime
s mu
e
provWed with our load will also equal to periodic Pence charges for the Milk ayda except
To getyar 1 psrMdc seas charge
for minor violations bye to randng
n
address visible through the envelope wlrhdaw; this en
mom then one payment or coupon; and there am be no .
cannot a
ealm
paper r9ps, for a billing click when a rnonfhy periodic IoM( apptu, mhddply the
We or cormsosedexs WOW with your pymem.-It
- our pymlot Is n ?qa ddy beirna for each ham by fro apphman" periodic raw
The total will equal the periodic flounce charges
and add to results tapather
-
accordance WM our payment insWdans and is made
day axoept December 25 by 1:00 pm. Mad tllne OF .
taus an any
r poet-afA I bex far the billing cycle, except for minor variations due to rounding.
dosignFred to payrmto on tats mtenetf, wewtI it ?ynant to your Gifts Pined jaklad 20 dwo: We sore periodic grmnce charges an a
arcoum as of that day. H your psymerri N In aecondan vdth our payhmn transactor, fee, or rinses charge from. to dab it is added tr your daily
Intro S, dot is made awiYlte two .is dear f:? Pm. cel tka d our poet homes eb payment in fill Is received on your account. However, we do no
office box designated for paymeN am biro awwment, cedt A to your deep periodic finom charges an new puoasss billed during a along cycle
account as of the next day. H you do not fatlow onr
your payment is flat sent by nor U.S. mil to instrucgars orbf 0 we redeem both payment d your Now "M a" your armnt sbtem rat by
r post oftce box the do slid tine your Payment is due and also payment of your New Balance
designated for payments, emM" of your payment may EaNyed I" up to on your previous statement by the dale and firm your payment was due.
5 dye. Payments made electronically through our a tainmd telephone Thee is no grace period for balance transfers, ash advances, check
service, Customer Service advisors, or our web shot be aubject to arty, transactions, or overdraft advances.
protessinq tonal dhadesef fat more paymerRa. In addition. it then Is a 'Qualifying Promotional Financing" section on this
AmN kkmmint RegeMl be Cash leases Ws ropertinformatlon statement, you mI not incur anodic trimce durpea on cry Remaining
about our account to credit bureaus. Lab pymwb,
other deladis on your aow trap be ro8ecbd n yatr payments or Stance that gqltposts in th at asctloit It you pay net beimce M hdi by the
credit mount H you applicable Eogriratan Data. fkavseer. T as dolaalt under the terms of your
thimt we haw reported macataw-nformstion to a it burnt. you may Cardmembar Agreement or any Promotional Financing olk The
write to us at 1N Ganimenber Service address 0
v
ion:
t Re
k Che
k C
rd Ab
N
t on your himng apptic lk periodic /mans derges aunm on any Remaining Balance as
c
cle
in whk 61 deNnrit oaara
rovide a soon as the btiin
a avoid finance char
es
ou
rom
c
on
ers
statement
o
c
ou
check as payment you suthoda us either to use in
y
g
.
g
p
y
from you check on new putcans when your New Balance includes any Remaining
to make a otrrtms elecborlM fund tratsfe train your ant or m or, Bali us(a) in die QuafNFY PramatlamY Flouncing 31101011. POY Your full NOW
i
d
f
B
h
tk
df d th
R
i
BW
b
te
d tl
n
l
i
t
N payment as a check vm sacdat. When we asm in
check to make an siodronicfund tranefel,tondamaybie ng
an
me
your
nes; t
e 0bo
l
au
ema
n
nce(s)
y
a
rmatlon
ra
a
ance m
o
0hereranfrom YOer your payment N due. Howeve4 if your statement shows that a minimum
le
t b
d
e
the
i
i
h
d
i
I
account as soot as Ue same dy we naive p
our dealt tact from your f inst
receiv mum paymen
es, we rtes rece
at
st
m
n
y t
e
ew
and you w7 not payment
v
s
Ltaf the askagr - and tine Modred an your st itementam if your New Balance consist only
e y
service number on this statement it you hays quinitf .
no - about aledromHc of Oualbiyixg Promotional Financing balances.
deck collection or do not won your payments colN eleo mulao y For 'defamed inwrod' Oualynt Promotional Financing. periodic fraha
Co IN, fivilmookAypayment dealt oromarfa dpsymenttlmtyou charges accmaduring the promotional period but am not added to your
send us for less tlon to ful beahce des that le d'paid in kdr or amount balance. Instead, they acanmdate from billing cycle to bitng
:
contains a simfx notation, or the you otmnwnse wr
r S
as t
C
b n lull saRVadon of It a dolarred interest Go*" Promotional Financing balance has not paid in
l
l b
die
abl
ir
fon Dm
the deferred fr
ncs dan
le will be
P
O
B
15049
E
li
o
0
e se
a
a disputed ore eK must
We aseue dI o
DE 19850-fiW9
Wd
w
0 u
y
g
.
.
ox
,
app
c
M
a
,
a
e
' or ' tale addd to your accost as won as the Not day after the Fxprston Oele
'
.
mng
n:
U;4
payrtems (e.q.,ttitis detenmeed there is novakd .
1
.
crock Further. if you default under tle ame of your Cardmember Agreement the
is meshed H any other address, we may scoot to and you wit 30 deferred finance charges will be added to your account as soon as the date of
owe any remaining balance). We to east amok en.M1 Payment by defank
roMming itto you, not cashing H or aedroyifig it All olk
make should be sent to the earoprwle payment add r le"meb rte you For'f xed psymoor OudP;OU Promotional Financing the permits you to pay
you ell not live a grace
for a purchase In a designated number of payments
Asssol Rae" Nedim If your account has an ann ,
via, it will be billed Wait for Net balance as each payment includes a part" of the interest
sub year or In monthly Instruments, whether or not y use your account avid over to repayment term for that purchase. However you will have a
and yar. aura tic psy it whim billed. The annual we is -refundable unless grace period on atlar new purchases as described above.
you opdy us the you wish to dose your aecoum with 30 days of the dm BILUNB RWHES 311111 dly
we mat your statement on which the annul fa M
time, you payycor outdandng balm in full. Your and at to same or Oretw Ahed Yew &T: If on tank
C
seef E
our
tell is
wrong,
mu
ent of the annual fee ta
: It You
does not afedarlights todonyour account endto or
it
need
mare Information abaft a transaction
bill, ur
ou r
tryout dghttomaim you Y
an
ea
transactions on your account If your account Is dosed you or us. we we Cardmi mbar Service on a separate shat at P.O. Box 15299 Wgmingt0rt, DE
combine to charge the aonual foe until you pay your herding balance in 198503299 as soon a possible. We must hear from you no later than 60
full and terminate your account relationship. days after we sent you the that bill on which the error or problem apparod.
Extbthal4o of Raa11e Chae@ We calculate pad is finance charges, You anIslepkda us, but doing w will notprserve your rights. Inyourlatter,
0m w the following information.
using the applicable periodic news shown an this sba
i out, sparately for
• Your name and amount number
d
h ad
a
each lealure balance tra slodconven
ena
dmdrs ("check transadtoro, purchases, balance also nce
an
as
v
to, ash advances, • The dollar &mootof the suspecead error
promotional balances or ovardrah advances). P s• consult your . Describe the error and explain, If y0a can. why you belleve there Ism error,
Cardmromber Agreement for the feataas that am app Is to your card. H you need more Information, describe the hem you are unsure about.
'
These calculations may combine different caMgaries
periodic rates. If genre is a "V' next to a periodic raw ths same daily You donotha sto any amount in question while we are investigating, but
this statement that yoar ms soil obiga1. M pay the parts of your big that am no in question
raw may vary, and to Inder and merge used to dm
correspond ng APR are described in yar me .
I e did to and its While we inns your question, we cannot report you as delinquent or
her Agreements
e in big
Hnasce a
d
Thee is a minimum char
d ou take adian to col t the mount you question. H you have authorized w to
cis in which
c
y
g
amen
e
.
owe my periodic finance charge, and a [ransarulon t y
g
y
as charge for each pay your credit card bil automatically from your savings or checking account,
balance traveler, cash advance, or dark transaction, In a amounts stated M you can stop the payment on any amount you Mink is wrong. To stop the
payment your letter or al (wing the Gardmenber Service address or
yew Cerdmmber Agreameo. as amended.
" telephone number shown on this stemmmQ must reach w at lest three
To t to dal balms far each d the carnet all
s ws eke bias
business days banns the automatic payment is scheduled to occur.
a
tce f a sash fasaro old arty new ca
begnnng bal
wpald trace charge and other nth
(ndudng fees m
or other debits
Cod Ps
you
have
subtract ay See" go
p
"
.
the begnning ton stingy q
opayt basis transeetlm claw Tat y purchased
with
aM
t as ( dud
cep
ods or services
are
In which they gm am Purchase made *0 a ched)W you have tried in good faith to correct the
,
posted M your accorxnt of s fats dm of our clod
han3adians as added s d the dew deposited by the (except gut check problem with fie merethent YOU may not have to pay ton remaining mount
fit foudab d dw on the goods or services. You have fns protection only when the
our choice). Fan am addadeitharon the fain of a reim
thay aro poaMd M your acconnt ant the last dry d the timssctlon, the dm purchase price was more than $50 and to purchase was made in your home
in att. Tors gives em or within 100 miles of your mailing address. These Ilmiladon do not
us that day's daily balms: A cedt balance is treated a dims d aro. If apply if for i this property operas or one merchant. or if we madad you the
went
a daffy penodic rm applies to cry wears, via multgty defy balms by bile
daily periodic rate to at your periodic finance charges er that day. We ttefl
maxima
Statement for Payment wount tDate . 7563
New Balance Payment Due Date Past $1,785.00 Memo Mlni nimran 3Payment
CHASE O
,891.30
$11,195.30 0211809 41/46
r4aes yew l>?
Chtes (:ale !?ery1CK
Pleas ndfe mount erldoeed.
Nan add Cr smwt7 Prirx an beds
766300389130017195300000008
i
3M129EXZ024N0 6.BILL.L.LLd.dl.r.IJ...Jlrl.l...{I,.I,I,,.ILd{..I
HEATHER M WILLIAMS CARDMEMB£R SERVICE
218 INDIAN CREEK DR PO BOX 15153
MECHANICSBURG PA 17050-2528 WILMINGTON DE 19888-5153
Lrd11.r,11L..rl.LlL.rrrLLLl...Will ..... ?16.1...11.1
1:5000 160 2131: 203 i0 5693786350
CHASE O
Previous Balance $10,875.84
Purchism, Cash. Debts +$39.00
Finance Charges +3280.88
New Balance $11,195.30
Date: 12l,25M - 01/24109 CUSTOMER SERVICE
to' 02JISM
In U.S. 1-800-945-2000
tit Due E
$
d 141115445-3308
TOO 1-800-9554MO
Pay by phone 1.800.138.7958
Outside U.S. call collet
1-302-5944200
nt Number. 7583 ACCOUNT INQUIRIES
lit Line $9• P.O. Box 15298
Credit $0 WlmMtgion• DE 19850-5298
as Line
for Cash $9,500
$0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
Its not boo late esdvehat May be dot tl? you. 1 8W account. coX?e have e
varbty orpayma m options
1.302-594.8200) today.
Trans
Date Reference Number Merchant
or Transaction Description
7 "
Credit Debit
Daily Periodic Rate CortesP. Al
Category 31 days. in cycle APR
Purchases V .08215% 29.99%
Cash advances v .o$218% 29.99%
Balance transfer V.08218% 29.99%
Total finance Charges
Effecriw.Anoual Percentage Rate (APR):
Please see inbmtation About Your Account sectIC
The Corresponding APR is the rats Of interest you
The Elfeclvs APR represema your total finance d
such as cash advance and balance transfer tees -
Finance Charge
Due TO
Transaction
Accumulated FINANCE
age Daly
Balance
Periodic Rate
Fee
Fin Charge CHARGES
$4,984.44 $128.95 $0.00 $0.00
$0
00 $128.95
$0.00
$000 $0.00 $0.00
00
$0 .
$0.00 $153.71
$8,035.13 $153.71 .
$2X0.88
29.99%
br balance computation method, grace Periods and other important information.
y,Nhen you tarty a balance on any transaction category,
vas - Including transaction tees
:Pressed as a Perm ts9e-
This Statemen> Is a Facsimile - Not an original MA 36612 023i00000700035a,2d1
0000001 RS33335 0 7 000 N 2' 24 09101124 Peg! 1 W 1
42/46
Address Change Request
Please provide Information below only if the address inMrmatlon an haft is incorrect
Street Address: - -----"-----------.---
City:
- ----
State: --
Zip: ---- ---{--
Horne Phone: --- --- -d---
Work Phone: --- --- -?---
E-mag Address: - - -----_-------
L
Into ", Aked Ysen Aaeoat
l
d
66 add these Periodic- inures charges to your daft' balance to yM the be ng
balsa fa the nod it
(If man than ON dall
padodic race auld ypN
ost or stdaft
Lad or isNO Code Pleas report your
calling lh Customer Service number found on the Iron
ea t'y
rd imme
iaUN
of your statement ,
y
trend in tlro awrepe balance, we will use the daily ppseri0de rate that
till ann
e balance amount at the and of th
blin
cl
t
Advimn an allays avdlatee to assist you. You an ath an Advisor by p
g cy
e
o
e
calalal the dall
eriodi
banes char
ord da
)
pressing 0 attar you enter your accamt number ge c
y p
c
y.
T
r
d
Crsdkeq d PapoNte For Payments by regular U.S. m
mknmum payrmad do to our post alga box designated 1, send at lastyour
r peymenp shown poerigoadt your
o
perodc fauna charge fa a Didno cycle when a
fo rate(s) applla, wa add d of tle call cerbdlc Anana charge for all
_ on tide sshwreht Your payment by mall must comply,
d Its Insbuc9ara Naar
m. To debrmke en average dolt' belaunea, we add yyoouur deity Met ss
and dMda y tlN wumFer of the drys in tle appNceble difln
if
ou
de(al
l or mm
on this statement and must be made by de
US. Dollars. and drawn on or payable mratgit a U.S. order, pill" in
social nsdWtlan or
q g
y
•
muWpy average deYy bdana tar each MNn by the applahl it*
ri
h
the U.S. brand[ of a foreign kmdd In Ion. Do not sl ind ash. Wren your Pe
odic rate, and en mdtlpty ouc
d these results by to or of daya
in tle a
tceble blMm
cle(
)
and th
n
dd all d ti
n t
o
Ithh
acaur all number an your ohsd or matey enter.
accompanied by the payment mum In the - ymens must be
prodded with our pp
q cy
s
,
e
a
e rai
ogo
m
ee
rod wall also egad tle periodic dnanae:clurgn for Ibe ggloa cycle, except
l
d
lao
m
a r
p
d
i
address vieNM through On envisage window. the ope carom antan rm
t
var
naarntor
pedadc
o
Kyaurlo
6?amchargs
for a bitin
cycle when a man periodic rate( a
flea
muni
l
me
mom than one Mallard or coupah, and. dare arm be me
t
da
nt N
o
I
lud
!
ith a, paper dlps,
t i
i g
pp
,
p
y
dw9 baiaka for each lalwa by tlw opal mammy penaMc no
ae a ahaepin
nta
y
ur payme
nc
ed
w
a?
accordanawimmrpsymUttnstructonsandismads your peasan
s
n
touronany and aw tlr ressalis together. The tad wiA equal do pedadle trtwhas charges
day except December 25 by 1:00 to NW tine -a r putt rota tat for Instilling cycle. except fa mnorvaAdWai des b mounding.
fof
?
f
r
a
t p
er
e We amme
i
finance
PNW (91 lad 19
charges on a
:
s
of 69
I
a in acconllain
account payment f
as
you
s su
Pay
with
ipt to
t
i h
am tra the
t
ad
to. or fi
Burge [torn cola R Is added to your daily
instructions, but is made available to us stir 1:410 Pm: I tine a our ceat balmap *WI payment M fat la halved on your attain. Howt r, we do nat
offla box dasitnald for Womb an the statement.
If ou d0 not Polae our p
accOUMas of the mud da wgf: credit It to your
it Instructions a t charge periods flumes cargo cn aw pumhwabNeddmng a billing cycle
if we naive nom
a
ment at
our New 8eyna on
wneMat
brro
t b
t'
y
i
il
l
U
S
fl p
y
y
your
n
a
y
s not sent regu
ar
. ma
to
.
I. payment
designated for payments, c tag of your Pepnwnt may our post of
ce box
delYed for up to me dal and tme your payment Is due and also payment of your New Balance
on your previous sVMmW by to data and time your payment was des.
5 days. Payment. made @%drama* throuph our prise d telephone Then Is no gala period for balance tremors, call advances, check
service, Customer Sella advisors, or our web site be nubfect to any trans Mss. or overdraft advances,
processing blue disclosed for these payments. In &Mon, If men Is a "Oudtyirnq Promotional Financing" section on this
Amassed' 11 11 RegorYdb CpilfepaaeWe m
o y report information statement; you will not incur periodic tnanca allergy an any Remaining
about your account to credit bursas. fate ppment
other debuns on your account may be reflected In your need payments or
erebt report. It you Balance thou aappWpan In that action it you pay that balance In hull :, the
applicable Exph>b. Dap. Howmet if youdefault under the terms our
thin[ we haw reported. Memories MtormAM to a e It bureau, you may Contractor Agreement or try OuW#o PromoggW Rundrg offer, the
write to us at the Cardmambar Service address I
sowment Notes Aleut FLdronit Chad Coawnnn: it on your billing
n
rovide a
ou apotaga parodic flnance dorga; It a
ary
_Remaining 11"ce as
soon as the b8gn
cle In wh m
c
TT
W fi
a
c'esdapayment
you outrorbeueeitlurrouseinrorma y
p
'enfromyour check m
o
g
y
1,
M
ages
numoll
ll
on new purchases when your New Balmer Includes t
Reman
.
to make a ono-time electronic fund transfer Irom your aunt or to process ry
Baame(s) in the Quell Promogmd Financing secoral, pt' your full New
the payment as a dad translation. altar we use In [meta[ from your Bad ulnae tle sW of thou Remalming Morals) by the ddr and time
dad to make an deitronic find ttauf st hinds my be non from our your prymen is des. Mown,, if your statement shows Me a minimum
amount as anon as do some day we facet" your gym
' and you not payment is one, we must naive at Nord OW minimum payment by the data
receive your tied bad tram your Allen citl
ti . Cd cis aafomer and Om spldMd on yoastelamud, even t your New Belches -confab only
set" number on this statement if you hate qua abort eNaranic of Qualifying Promotional Financing balaces.
deck collection or do not want your payment elcbndcety. For "deferred fntensr Oufdying Promogma Financing, periodic finance
CosdNiaodPapmakAnypayment check rather mpaymentthayou charges seems daring the promotional period but am not added to your
send us for less tun the full balance due tlut is me paid in nlr or account balance. Instead, they accumulate fran bins; cycle to bitting cycle.
conWns a similar notation, Of that you 0111 las tinder full safstactm of If a defend interest Otalifyatg Pranotanal Financial balance is all paid in
a disputed amount, must be sent to Card Sell , P.O. Box 15049, fat bhvy tie app8able Ex pra om Dade, the dderaed finance charges will be
Wilmington, DE 1900-5M. Ws reserve at our rip regarding then addedtoyouraccouMasoonatheBratdayaftertho ExPlnsonDate.
payments (e.g., if tisdetermined them no valid ' or it any such dealt Furtlet If you default under the brma of your CarrknemMrAgrament, the
is received at any other address, we may accept this d and you wit soil delrpd finance charges win be added to your account as seen as the dale of
sere any remanng balance). We may refute to atxept such Payment by detadt
returning it to you, not cashing It or destroying it AN oth
make should be sent to the appropriate payment add pymente thayou Far "fixed pymenC Outlying Promotional Fksandng Out permits you to pay
Reared Nated if your account has an anal fee, it will be bided to., a phase In a designated
purchase 9nsd number of includes wit not have a grey period
that
educe
each p
payment
payment
a
cases a portion
of the in
each year or In mootldinstallments, whether or not
and you agree to pay it when bulled. The annual In is use your account
-returnable le unless ever
he r
cowed air t
pyrteM
fo
. Howe. You will haw a
term
that
purchase. purchase.
ve a
grace period on other now pardons as described show.
you nobly us that you wish to doss your account wild 30 days of the date BN1JN6 RIBXrf SUMMARY
we mat your statement an Mftkh ms annual fore Is de and at the same
dme•you pyyour oulhndngbalnainfull. Your IOf the anraalfee InCall OlBest "QWadWms Yaw ON: It you think your bill is wrong,
doesnotatectoufrights to close your account and to' your righl to in a or if you need mom information about a transition an your bill, write
transactions on your account If your amount Is dosed you or us, we wR Cardmember Service all a separate Vast at P.O. Box 15299 Wilmington, DE
cmtoue to charge the annual fee until you pt' your o ding balance in 19860-5M as soon as possible, We must hear From you no lour than 60
full and terminate your account relationship. days alter we sent you to first bill w which the error or problem appeared.
Ex*NWN M Fitmn Ck"u: We oakulate tee k: finance charges , You can telephone a, but doing so will not preserve your rights-. In your latter,
using the aM#GWt periodic rates shown an this ate t sepernely tar VNe a the ptowng information.
tech feature fe..g.,-balance transfer/anwfdence d and rash advance •Your name andsocountnumha
ducks ("check trmsadlori j, pufdasea. bamea , ash advances, • The ddlar amount of the suspected error
promotional balances or event adammu). R consult your Describe the error and explain, ifyou can, why you believe mereIs an error
Cardmarduer Agreement for the fedora tut an
Then alalatlams nay drombkna dtfennt cetegorea
to your card.
'th tiro sans defy .
if you need mom information, describe ths item you am unsure about.
periodic rates. It theme Is a'%r magic a periodic rats
tda sdament, that Yadoteahewropar
arty amount In proatlee wife we are Investigating, but
o
f
rate may very, and the index and margin used to deem
corresponding APR are deserted in your Cadme
ire tint role and Its
bar Agreement as do
3611
obfl as to your 9
9 pay the path of our bill that an not ki uestan.
lye we Imestiyde your quotas, we =not report you as delinquent our
amended: Ttuae a minfmumtaumce charge in try bib' gds n whirl you take action to collect the amount you qua Man. If you haw authodmd us to
pay your arodt card bill automatically from your savings or diedcNg account
owe any periodic fkuma charge, and a transaction
balance transfer, cash advance. or deck transaction, In ee charge for eed
is amoumb stated in ,
year can stop the "rant on any amount you think Is wrap. To ship the
your Cardmember Agreement, as amended. payment you letter or call (using th Cahdmember Service address our
allophone numter shown on this statement) must road us at least three
To pet the daily beans for each day of the tunes b cycle, we aka the business days bass the aufontetic payment is srdtedulad to occur
beginning balance for each feature, add any new mesa
(including bas, unpaid flumes charm and Omer d a or other debit
), subtract any fgedd Ras be Cmft Cud Pandasse If you haw a problem with the
i
w
prymanb or credits, and mob other adpustrnemp. T
of dw transaction data, the tegnnng of the bill a an added as
a In whirl my are qual
ty ofgoods our services th
you purchased with a credit card (excluding
terdnaes made with a check), and you hen Mee in good form to correct the
posted to your acmwt or a later data of our ch (except tlret dad problem whim tire merchant you may not have to pay the remaining amount
transactions are added as at gal date deposited by Me or a lea all of due on the goods or aspects. You hew the protection any when the
our chda). Tees an added either on the detects related , to data purchase price was more am $50 and the purchase was made in your home
they are posted to your account or the last day of the bi y cycle. The s
o stab or within 100 miss of your magkrg address. These limitations do not
us mat drys day bamo. A credit balance is treated a bead d mro
?, if aDPill if we own of operate the merchant or if we maned you the
a daily perodc ran applies to any Ness. we mumplir lady balance by the advertisement for the property or services.
daily periodic rare to get your part fames charges r that dy. wa mar
MAOMOR
Payment Due Data New Balance Pest Due Amount Minimum payment
03121A?6 $11.523.21 $2,196.00 $4,862.21
43/46 Aoc.nt number: sommenomm- 7»83
Make you{ cMek Pa1la61a W.
pleon s u enclosed.
: C tee`
NBW ad p or W *-Ii? Pn11t on calk.
7863004662210]1523210000006
3t938 SEX Z WWI0
218 INDIAN CREEK DR
MECHANICSBURG PA 17050-2526
L.,III.will.rrrlrLllrrrrrldddrr,Lldltrr?rllL.LrrIL
Ir..III,I.rI..1.IrrI.rllrrrirlrrrrll.IrirJ.llr.l,lrrrN.rll.ri
CARDMEMBER SERVICE
PD BOX 15153
WILMINGTON DE 19886.5153
1:5000 L60 281: 2 13 L056937863SO
CHASE O
Previous Balance $11,195.30
Purchases. Cash, Debits +$39.00
Finance Charges +$288.91
New Balance $11,523.21
You haven, made the required payments and
us today at 1-888-792.7547 (collect 1-302-59
Data of
Transaction Merdmirli
02118 LATE FEE
$ Amakcrd
39.00
Finance Charge Transaction
r
d
Fee 1 A
Daily Periodic Rate Corresp. Avel
APR
l ?
C
e
age Daily Due To
Balance PwIod1c Rate Senkke Charge CHARGES
e
Category 31 days in cyc
08216% 29.99%
V 15.162.45 $131.23 $0.00 $0.00 $131.23
SO
00-
,
Purchases
Cash advances V.08216% 29.99% $0.00 $0.00 $0.00 $0.00
68 $0.00 $0.00
$157 .
$157.88
Batance transfer V,08216% 29.99% .
,190.75
$286.91
Total finance charges
Ef wive Annual Percentage Rate (APR): 29.99%
Please see Irdormation About Your AccolaK section balance comPutetlon method, gee period, and other Important information.
yo
The Corresponding APR IS the rate ot Interest u y when you carry a balance on any transaction category.
e clt
The Effective APR represents your total Anenc es - ireiudng transectlon lees
such as cash advance and balance MOW less - e as a peteentsge.
We are ringing you clear and sknpiel Take a
k7ok et the w format of your statement - we hope YOU
find k eas or o read. It still has everylhing you need on
ti1e front back, with infonnetion simply displayed.
it
This Statemen is a Facsimile - Not an original
OOC0001 FIS33339012 000 N Z 24 09102/24 Pigs , .11 05888 MAMA 31939
X
Statement Date:
01125109 - 02124109
Payment: $4,662.21
Ow Dab: 03/21109
CFO& Line $9,500
rble Credit $0
Access Une $9,500
ibis far Cash $0
Marnga your account ontinc
Additional contact infamudon
corwani ntly k)WW on reverse aide
card account is 150 days pest due. You can still turn things around. Call
hat we can And a solution for your situation.
0551000012000319380,
44/46
Address Change Request
Plea" provide information below only If the address MforrM#M on front Is Incorrect
Street Address: - ------------------
City. - -----+---'-----
State: a --
Zip: ----- ---
Home Phone: --- --- --?--
work Phone: --- --- -?--
E-mats Address: - ----- -------------------
L
To contact us regarding your acco unt:
By T*Wph-
in U.S. 1-e00-945-2aoo
V1111 tABB-448.3308 Send In pMes to: Mall Payments to: Vielt OurWeWkts:
P W?e eX68 P.O.
1 15298 P.O. Box 15153 n/credlicards
. ootled Wft*V
.= U.S. on, DE 198506298 Wallington. DE 19ON-5153
1-382-5914LV0
MI MAM Alad Year AMOM
CraA" of PsymeMc For p is by regular
least mrmmum paymem lee to our Peyme
an this t erMStatet nt. Yrwr payments by mail him
instructions on this statement. and must be made
order, payable in US bailers and drench on or
U.S. fi halcist insthrdbn or the U.S. branch of
institution. Be not send cash. Write yew acoou
check or money order. Payments must be at
payment coupon in the envelope provided with
through the mwelope window; the envelope canna
one payment or coupon; and there can be no stapl
or correspondence included with your payment
in amordam with our payment ingthabon s an
to as on any day except December 25 by 1:00 p.
Payments address on this StatemaH, we will cr
your account as of that day. If your payment it
our payment instructions, but is made available t
local hne at our Payments address on this stabn
to your amount as of the had dry. If you do net
Instradfons or if your payment as not sent by i
To get the daily balance for each day Of the current billing cYCIS
S. mail, send at we take the beginning balance for each feature, add cry new
address shown transactions or other debrte (including few, unpaid finance eharoes
ompy with the and other ch es), subtract my payments or nerds, and make other
check or money tments Trarrsactienn are added as of the transettic n data the
yea through a M
6eginnlog of the billing cycle In which tfay are posted to Your account
are added
acti
n
k t
d
foreign nnarrekl rans
hi
o
s
or a later data of our choke (except that
number on your as of ft.deie deposM ilplyy he ora later dab of our choke). Fees
te th
a
e
th
d
mt
ti
"'
ttpanied by the
address vbible r
rec
on,
e
a
ey
a r aM.tr
are added either on the %te
posted to yore account, or the test day:of the billing cyan. This gives
iraain more than
ta
e
di us tint days daily balance. A craft balance Is treated as a balance of
we muldblythe daily
eriodic rate applies to any feature
If
dail
r
p
paper
ps,
your payment is ,
o.
a
y p
ze
balance by the daily periodic rate to get your periodic fir afice design
our dally
bdk finarce char s a
th
dd the
t
made available
local time at our y
en a
ca per
for that day. We
. then one
the beginning balance for the ..day ( M
balanceth
b
on. we
n the avera
e dail
d
ld
b
l
a
the payment to g
d
o
y
ase
te cou
dfe
daily peAO r
app
y
accordance whh wdl ease the ftig pedoftMe that applies for the average daily balance
s after 1:00 p.m. amount at the and of the billing cycle to calculate the daily periodic
, we will credit it finance charge each day.)
aw our payment
U
S
ail to
le To got your total periatlrc finance charge for a billing when a
we add all of the daily periodic Main
eriodic rate(s) applies
dail
. m
.
n
r
y be delayed for ,
y p
charges for all fistulas. To determine an average dally balance, we
It our automated add your derllbyy balances and divide by the number of the in the
e daily balance for
the avera
if
multipl
li
s
i
l
r web site will be
raymenb
We may report g
you
y
ng cyc
e(
).
applkade b
l
each lecture by the cep able dart' peaodc !a s, and then multiply
each of these rmutis by the number of days in the applicable billing
tota
add aft
e
f
s
at
?
d
a
r
Mn
cv
-fl-td 1. xxpt
=
i
fl
M
unem
r
u c
vcle
.
thee b ly
»mes fo
or
our Payments addre s, cradling of your payment I
up to 5 days. Paymems.made electronically throu
telephone service, Customer Service adwsors, or a
sutileci to any pmcessirg tortes disclosed for Most
Aeeoolt hnM matba RgSAed If CNN Rmeae
Information. about your amount to credit bureaa
missed payments or other defaulte on your account
your credit report. If you think we Itewe reported ire
to a aremh bureau, you may write to us att the Inquh
on this Statement.
NMio Aboal EfeakoMe Cheek Caraeralon: When
you one time electronic fund transfer il rom your from authorize us either to use the payment as a chock tru SOCOM. When -w
from your check to matte an sledrgnp fund ran:
withdrawn from youraccount as soon cethe same i
payment, and you will not recelve your check hack
institution. Cal the Customer Service number on b
have questions about electronic check collection e
payments collected elecnanhcsty.
Candle" Pai naalc Any payment check or 0th
that yyou sad us for less than the full balance due t
in fu ti" or contains a similar rotation, all that you
full satisfaction of a disputed amount, must be SS
P O. Box 15049, Wilmington, DE 19850.5049. 1
rights regarding these paurmaeb (e.g., if it is den
valid dispute or if any such check is received at an
may accept the check and you will stile. Owe any i
we may refuse to accept aty such payment by rem
cashing it or deatro t ng ft. All other payments that
sent to the regWa Paayymments address shown on it
Animal Renaurah NotleK R your amount has an 1
billed each year or in monthly instabmefite, wheals
account and yyoou agree to pay it when billed. Tin
refundable urns you notify us that you wish to
within 30 days of the date we mil your statemen
fee is charged and at the Same time, you pay your
in full. Your payment of the annual fee dew not
close Your account and to limit your. right to m
your account It your accourd is closed by you or
to charm the annual in unM You M Your Oubta
s address shown charge for a using cycle when a mommy penndc r4M si appraa
msibgqyy the average q balance for eacb feature bbfg liable
2
ou paytby check,
rr check to nuke add the results together. Tive total will equal
monthly periodic rate a
the periodic finance charges for the billing cycle, except for minor
rnt or to proms
s
n
I
f
ati variations due to red
Glue Paint (at INtd teya) We accrue periodic finance charges
u
o
e
n
orm
lr, farads may be on a trausadifat Poe, or finance charge from the date It is added to
ywe receive your
lel
ur a
an 9our daily balm unlu paynsent in full is received on your account.
eperiodk fiwsce charges on new purchases
e do not cha
Ho
ever
n
c
om yo
s statement if you g
w
; w
billed during A bl0hg cycle it we reeehis both payment of your New
do not ward your Balance on your current statement by the date and time yaw payment
is due and also payment of your New Balance on your previous
form of payment statement by the date and time your payment was due. There is no
at is markad'ced orate Dark for balance transfers, cash advances, check transactions,
to Gard Servcw,
e reserve all our B1LLM MHFB aanarlwwx
in Case of Emu er Questions Abort Your MU: If you think your NO
nined there is no is wrong. or If you need mom Information about a transaction on your
other address, we
naming balance). bill, write Customs Service on a separate sheet at P.O. Box 15299
pdton, DE 49850.5299 as soon as possible. We must hear from
Wflm
ling it [o ou, not o
you no star than 80 days after we sent you the first NO on which the
so will not
t doin
b
h
Y
t
u make should be
statement. g
one us,
u
ou can
elep
error or problem appeared.
preserve your m.gPals. In your letter, give us the follovnng information.
1WI tee, it will be • Yaw name and account number
rnotyou use your • The dollar amount of the suspected error
mnual fee is non- • Describe the error and aglein, if you can, why you believe there is
rise your account an arror. It you need more Information, describe the Item you are
i which the annual unsure about.
asfading balance You do not have to pay any amours in question while we are
teat our rights to investigating, but you am still obligated to pay the parts of your bib
e transactions on that are not in queshm While we investigate your question, we
we wig continue cannot report you as delinquent or take action to collect the amourd
Virg balance in full you quesdoa. If you have authorized us to pay your credit card bill
automatically from your savings or ctlaldng account, you can stop the
advance checks ("Creek transaction-), pYrch obi
cash advances, pronotioral balances or overera ad
calculations may combine different categories ith
periodic rates. it thine is a'V• next to a penodk on
that rate may vary, and the index and margin u to
rate and its corresponding APR are desenbed t yoc
A era. as amended. There is a mhnmum fi rip
bfinq agate in which you Owe any periodic I'
transaction finance charge for each balance tran r,
or check transaction, in the amounts stated In yot
Agreement, as amended.
Inges, payment an any amount you think is wrong. To shop the payment, your
rata4y attarorcaNtusingtheinguides addressor Custim Service telephone
cash number shown an this statement) must mall us at least three business
suers, days before the automatic mart Is scheduled to occur.
These S?Kial Iklo to Credit Carl Perchlew it you hew a problem with
derby the quality of goods or services that you purchased with a credit card
meld, (exdurkng purchases made with a check), and you have Tried in good
e that faith to cornet the problem with the merchant. You may not have to
umber pay the remairdng amount due on the geode or sermes. You have this
n cry protection only when the purchase price was more than S50 and the
and a purchase was made in your home state or within 100 auks of your
fence, mailing address. These limitations do not apply if we own or operate
smher the merchant, or if we mailed you the advertisement for the property
or serwAs.
MA111408
Payment Due Daft New Balance Past Due Atnalnt Minimum Payment
04HE4w $11,830.38 $2,639.40 $5,384.38
45/46 Account number. 788 3
your dock payable to:
Card Services.
. PI write amount enclosed.
New ras or e-meY7 Print on (reCk.
78630053943E011830360000000
32686 SEX Z 08300 0
HEATHER M WILLIAMS
218 INDIAN CREEK DR
MECHANICSBURG PA 17050.2528
Inn.11111nnIn.I.intl.nlirnnl.1.nn.linlllr.nllrnlnin..ll.,llnnl
CAROMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19888.5153
InnrHlrlrlllnrn.Inlrllnrr.ri,LlJrnnLl111rrrrrll6rlnrrllJ
i:5000 L6028i: 1203 L0569378635N'
CHASE O
Statement Date:
02125409 - 0324109
mum Payment: $5,394.30
nest Dw Date, 04118109
Manapa youraeeoum onlins:
mark
Additional contact Information
conveniently located on reverse side
Previous Balance $11,523.21
Purchases, Cash, Debts *$39.00
Finance Charges -$288.15
New Balance 11,830.36
Credit Una $9,500
"a Credit $0
Access Line $9.500
nbie for Cash $0
The outstanding balance on your credit card accou ts scheduled to be written off as a bad debt shortly. As a result, your credit
bureau will be updated with a negative rating that b Iasi for up to seven years. We can still help, but you mud to cell us now at
1-888.792-7547 (tolled 1-302-594-82011).
Date of
TtB Merchant P
0322 LATE FEE
Daily Periodic Rate Coresp. A
Category 28 days In cycle APR
Purchases V.08216% 29.99%
Cash advances V.08216% 29.999E
Balance transIlar V.08216% 29.9996
Total finance charges
Effective Annual Percentage Raft (APR):
Please see Information About Your Account sock
The Corresponding APR Is the rate of Interest you
The Effective APR represents your total finance d
such as cash advance and balance transfer fees -
$ Amount
39.00
Finance Charge Transaction
rage Dally Due To Fee / Accumulated FINANCE
Balance Periodic Rate Service Charge Fin Charge CHARGES
$5,313.58 $122.24 $0.00 $0.00 $122.24
$9:00 $0.00 $0.00 $0.00 $0.00
$6,342.54 $145.91 $0.00 $0.00 $145.91
$268.15
29.99%
orbalance computation medw. grace period, and other important information.
ry when you carry a balance on any transaction category.
gee - Including transaction fees
pressed as a percentage.
This Statement ?s a Facsimile - Not an original
0000001 FIS33339 0 10 000 >1 Z 4 0GDV24 Pate 1 of 1 056M MA MA 32835 083100001000=83501
X
46/46 Address Change Ragwst pd I??
Please provide Informatkm below only it the -rots irdannatlon on from Is inconeri
Street Address: - -M--Ili---------------
City: - - - - - ---.----
State:
Zip:
Home Phone:
Work Phone:
E-mall Address:
L
To contact us regarding your ac nt:
In U.S. 1-0004457000 ® - U
Expend 1-8e6446-1,M
TOO 14009a554M Send uMMw Mt WII Prymanh tr. Moilt Our WahNb:
Pay by phone,-800.436-7958 P.O. 15295 PA. Box 15155
Outside U.S. can coked Wilm' , DE 198505298 Wsrwngmn, OE 19888-5153
1-302594-8200
Information AMdYarrAaeauar To get the it* balance tot each day of the currant billing cycle,
pNitieq,af Pirissa C For payments by regular U
P
d .S. mad, send at
dd
ho we take the begnning balancei for each feature, add a new
in
id finance cnar
ea
th
di
t
e
n
t
ti
d
bit
l
a to our
ayinerri
tests yyoar mnlffmam payment
mat must
into b
do this statement
Your
s
meer ress s
wn
t a
comply with the g
er
s (
ng
e
s, u
pa
ransac
e
c
u
ons or o
and make other
subtract ably payments or coughs
and other charges)
.
y
p
y
and must be made
instructions on this statement check or money ,
,
Traosaeboret are added as of the transaction date. the
adiusbmefde
,
order, payable in U.S. Dollars, and drawn on or ; vpbk through a .
beginrinp of the bAnnp cycle In which they are posted to your account,
U.S. gnancial institution or the U.S. branch of foreign financial or a later data of out aisles (except that chegk transactions are added
irtetnuoan. Do not send tauh, write your aCCO
P
b an your
I b
th as attlroitatedepositsdtiythepeyeeor aatsrdateotourahnlce).fees
are
o
te o
off
ansaction
tub date the
dded
ith
th
d
ated t
ayments must
check or money order.
e
payment coupon in the emedope provided wit
51 y
e
s viable
h
T2 a
a m
,
y
am a
er
n
e
r
e
posted to your account, ar the Iasi day of the biding cycle. This gives
f
dd
le t
b
n
l
dit p
e
d
h
d
A
t
t
l
''
il
through the enrdoDe waulow; the envelope calu
one payment a coupon; and themcan be no
ore t
an
lips, tape
6
aayy
r
ance.
cre
e
as a
a
ce o
us t
a
y ba
a
en
a
a
at
s
zero. If a daily periodic rate applies to any fuhus, we multiply the daily
or correspondence Included with your payment I your paymM is balance by the daily periodic rat to get your periodic tinanm charges
in accordarxe with our payment Instructions and made avaitable for that day. We then add these periodic finance charges to your dally
th
f
h
d
It
ro us on any day except Decmnber 25 by t:ODp.m
n thi
t damerd
we will ere(
P
t
ess
dd localtime at our
t the
ayment to an one
edlacce to 4pI the beginning balance
or t
e next
ay. (
more
we
eriodic rate could apply based on the average daily balance
dail
,
aymen
r
s a
o
s e
your account as of that day. If your payment is I p
accordance with ,
y p
will use the daffy periodic rate that applies for the average daffy balance
our payment instructions, but is made available to s after 1:00 p.m. amount at the and of the billing cycle to calculate the daily periodic
local tree at our Payments address on tls stab we will credit it finance charge each deft.)
to your account as of the nexttlay. if you do not
t b
r N
is
t low our payment
mail to
lat U
S To got your total pperiodic financa charge for a tinning cycle when a
we add' elf of the dail
eriodic finance
dail
erxdiC roe
s) a
lies
sen
y
your payment
no
Instructions o
our Payments address, ereditrg of your p
d
M
5 d
P
d .
.
u
be delayed for
a
tomated y p
y p
pp
,
(
charges for all features. To deMrrMne an average dairy balancca, we
a In Ne
bdaees and daih 0
the n
mber of the 0a
dd
da
e elaUromc
y
up to
ays.
ayments ma
or
Customer Service advisers
tele
hone service our
u
r web site will be y
y
your
a
y
u
If you imdtlply the average delN tlalaxx for
appllable tinting cycle(s)
,
p
,
subuect to any processing Imes disclosed for ttnase paymbn
My .
each feature by the appicabb daffy DedOdic nt0. and than muhtipy
Aaaaat lnfwms err RepptN Is Credit report
Wa each of these results by the number of days in to applicable billing
Information about vote aCeOant to ccrM b sate payments, cycle(s). and flan ads aA of the. results together. the final will also
yur ere& report. It you think we have reported i urah information minor variations due to mund94 To get your tea penodx anance
g
a credit bureau, you may write to Ins at the Inq
to
on this statement.
ddress shown eh a fora billing cycle when a monthly periodic rate(s) piles.
mUamrypy tIe avenge daily balance for each future by the apaplpkable
No*o Ahod Eleelraak Cook Conversion: Wh pay by ched6 mcxoh y pedodk: rate and add the results together Tfa total N equal
you authorize us either to use informatien from check to male the periodic fineries changes for the billing cycle, except for minor
a ono-time electronic land transfer from your a or to process variations duaTO rain.
J
M payment as a check transaction. When Information Information Ohm Perb11x [sent tgYg6 We acme periodic finance charges
-
from your diet to make an elechome fuM to
ion, tae, or finance chage from nix date it is added to
iulds may be on a bansedt
-
mttbravm from your account as soon as the sam
t
N
t
i
a
reaNs yo ur your daily balae until payment in full is rK*ved on your account.
e
urchases
eriodic fkunce char
es on new
our 8namet
l However
we do not char
e
rece
a
no
ve ur c
payment,
nd ru w
ll the Customer Service number on
ts
in
goo
C e
p
,
p
g
y
e
g
tement it you billet during a billing cycle if we receive both payment of your New
.
s
u
a
have questions about electronic check edlechon do not want your Balance on your current statement by the date and lima your payment
payments coffected electronically. is due and also payment of your Now Belme on your previous
Con WmW PaynNato: Any pairmtent iieclc or oth form of payment statement bbyy the data and time your payment was due. Then Is no
that you send hx for less than the full balance c if
k
h
' at Is marked "pad grace ped for balance transfers, cash advances, check transactions,
t
d
i
e
d
ft
d
e t r notation, or t
at you
in four
or contains a s
full satisfaction of a disputed amount, must be so en
er
n or ov
r
ra
a
vances.
to Card Services, BILLING RIGHTS SUMMARY
P.O. Box 15049, Wilmington, DE 19850-5049. Is reserve all our to Case of Errors or Ceastlens Aback Your SIIF. It you think your big
right regarding these p meats (e.g., If t is muted there Is no is wrong, or if you need more information about a transaction on your
i
h
B
15299
h
l
i
t
et at P
O
dd
C
t
S
i
valid de" or if any such Check Is received at
may accept the check and you will still on, any
m
t
u .
ox
ot
ress, we b
, wr
omer
erv
ce on a separa
e s
e
.
er a
te
us
l
maining balance). Wilmington, DE 19850-5290 as soon as possittb. We must hear from
BO d
t
t
h
fi
t dg
hi
h th
l
o
o accept arrtyry s
ch pay
We may refuse
ent by r
rt or it ri
d
All other pa
rtxnts the
cashin er we sen
you t
e
rs
an w
c
e
rg it t
you, not you no
ater than
ays af
but tldnq so will no
You an tefephora us
a melee should be error or problem appured
g
.
y
g
sent to the regular mots address shown on IN
i
'
R .
,
statement preserve your nglds. In your letter, give us the following information.
h
d
Al b
and
mb
• Y
t
Am" Ronatnh
N
t your account has an
:
billed each year or in month yiratalkmenot, wh othen accoun
nu
nuat
ell,
v
e
our tarns
er
rnotyou use your • The dollar amount of the suspected error
account and yyoou agree to pay it when billed. The at fee is non- • Describe the error and explain, t you can, why you be9ave there is
refundable udees'you nobly us Bat you wish to OSe your accourd an error. It you need more information, describe the non you are
within 30 days at the dare we mail your datemem which the annual unsure about.
fee Is charged and at the some time, you pay you ing balance You do not hove to pay any amours in question while we are
in tun. Your payment of the annual he dou not our rights to roves igating, but you se still obligated to pry the parts of your bill
close your amid and to limns our right to in e transact" on that are rut in question. Whole we investigate your question, we
your account If your acrowu is c osed by yon or , we wig continue cannot report you as ddMquent or take action to coiled the amount
to charge ft annual fee suet yyo0u paayy your outssa Ing balance in full you queston. If you have authorized us to Per your credit card big
and tendrils your accost IelationsMp automatically, from your savings or checking account you can stop rte
EapWatlerreft kaaeoCMrpt Wecalcuhb ' finance Changes, payment on any amount you think Is wrong. To stop the pafrment your
using the applicable periodic rates shown on this s en4 sepantedryy lettera call (using the Inquiries address or Customer Service telephone
for each feature (e q.,bak ice trarr:tadconvvsMe desks and rash number shown on this statement) must reach us at least three business
advance checks (•chKk transaction'), purchases, latch transfers, days before the automatic payment is scheduled to occur.
cash advances. promotional balances or overdo advances). These Speelal Rule has CmM Cut Porelana If you have a problem with
calculations may combine different categories % h the some defy the quality of goods or services that you purchased with a credit card
periodic rates. It them Is V Y nart to a periodic rat on this statement, (exdudi g purchases made with a check)ant you have tried in good
that rate may vary, and the index and margin a to determine that faith to. comet the problem with the merchant, you may not have to
Y
thi
b
h
d
i
rate and its conespori APR are described in
mi
i
ded Th
i
m fin
A
t ave
s
your Cardmsm
er pay the remaining amount due on the goo
s orserv
ces.
ou
iar
in a
rotectkrh onN xhen tM
ore than SM and the
emhass
n
rco wait
mu
s a
n
greemen
, as amen
em
billing cycle in which you ows airy parodic fin {is
n p
ot
v
p
m
charges. and a purchasm was made in your home state or within 100 mfes of your
li
transaction fmance costae for each balance t mitations do not apply if we own or operate
r, ash advance. mailing address. These
or check transaction, in the amoums stated In ur Cardmember the merchant, or t we mailed you the advertisement for the property
Agreement, as amended. or services.
MAIII4oe
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Palisades Collection, L.L.C.
assignee of CHASE BANK USA, N.A.
Plaintiff
V.
HEATHER M WILLIAMS
Defendant(s)
I hereby certify that a copy of tl
Office, first class mail, postage prepaid, a
NO. 12- 2366 CIVIL TERM
CIVIL ACTION - LAW
CERTIFICATE OF SERVICE
First Amended Complaint was served this date by depositing same in the Post
ressed as follows:
R. MARK THOMAS, ESQ
101 SOUTH MARKET ST
MECHANICSBURG PA 17055
Respectfully
Date: N\G.u ?)_ 2-C) -
FFG file#: 311952
I MINI IIMI IINI VIII "III III VIII IINI Ilnlll IIII ?I
1?
By:
David R. Galloway # 32
Fulton Friedman & Ila
Counsel for Plaintiff
130B Gettysburg Pik
Mechanicsburg, PA 1705f
(866) 563-0809
6
ce. LLP
C:)
'- _
ZD C , ..
PA/PA_CERT OF SERVICE
.,
David. R. Galloway
Attorney I.D. No. 87326 Counsel for Plaintiff
FULTON FRIEDMAN &GULLACE, LLP
130B Gettysburg Pike
Mechanicsburg, PA 17055
Telephone - 717-610-3337
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Palisades Collection, L.L.C.
assignee of CHASE BANK USA, N.A.
Plaintiff
v.
HEATHER M WILLIAMS
Defendant(s)
TO THE PROTHONOTARY:
PRAECIPE FOR JUDGMENT
~.
c-~
~~
NO. 12- 2366 CIVIL TERIt
CNIL ACTION -LAW ~_r~'-
~ ~'
~ c~
c-,
~~
~'
~~
N
~.
c~
rn
ca
Please enter Judgment, pursuant to the attached Stipulation, in favor of Plaintiff
against Defendant HEATHER M WILLIAMS in the amount of $8,895.80, plus court costs.
FULTON, FRIEDMAN, &GULLACE LLP
Signature: ' ~
David R. Galloway #87326
Counsel for Plaintiff
CERTIFICATE OF SERVICE
I, David R. Galloway, an authorized agent of FULTON FRIEDMAN &GULLACE,
hereby certify that a copy of the foregoing Praecipe was served this date by depositing same
the Post Office at Camp Hill, PA, first class mail, postage prepaid, addressed as follows:
~-,
`~ f.., r
~;
--~ ~',
-r_ -~,
~.t
~~~~,
=;
R. MARK THOMAS, ESQ
101 SOUTH MARKET ST
MECHANICSBURG PA 17055
FULTON, FRIEDMAN, &GULLACE LLP
Signature: ~ E~
David R. Galloway #87326
Counsel for Plaintiff
FFG file#:311952 ~,14 .50 P A7't'`P
~* ~~}to33
Q~ a74y
t~ohCe M -1e~c~
PA_JUDGT ON STIP
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLV
PALISADES COLLECTION, L.L.C.
assignee of CHASE BANK USA, N.A.
Plaintiff
v.
HEATHER M WILLIAMS
Defendant
NO. 12- 2366 CIVIL TERM
CIVIL ACTION -LAW
STIPULATION AND AGREEMENT FOR ENTRY OF JUDGMENT
AND NOW, comes Plaintiff, by and through its attorneys, FULTON
GULLACE, LLP, and Defendant who stipulate and agree as follows:
1. Pa. R.C.P. 1037(c) provides that in all cases, the Court, on motion of a party,
enter an appropriate judgment against a party upon admission.
2. Defendant agrees and admits that Judgment should be entered in favor of
in the amount of $8,895.80; an amount inclusive of court costs through the date of this filing.
3. The parties agree that the Prothonotary, upon Praecipe of Plaintiff, may
Judgment pursuant to this Stipulation without issuance of a Rule to Show Cause, and
further proceedings or notice.
Respectfully submitted,
a
R. Mark Thomas
Attorney I.D. No. y/~~
101 S Market St
Mechanicsburg, PA 17055
Attorney for Defendant
Date: ail .~Y2_
Respectfully submitted,
By
David R Gallow y
Attorney I.D. N .87326
130B Gettysburg Pike
Mechanicsburg, PA 17055
Attorney for PvDlaintt; ff
Date: Z~ 3 I Z
311952
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Palisades Collection, L.L.C.
assignee of CHASE BANK USA, N.A.
Plaintiff
v.
HEATHER M WILLIAMS
Defendant(s)
NO. 12- 2366 CNIL TERM
CNIL ACTION -LAW
NOTICE OF JUDGMENT
Notice is hereby given that a Judgment in the above-captioned matter has been entered agains~ you
in the amount of $8,895.80, plus court costs.
NOW, , 20 is , JUDG N D AS AB
Proth ision
By:
Deputy
I hereby certify that the name and address of the proper person to receive this notice under P~a. R.
Civ. P. 236 is: II
R. MARK THOMAS, ESQ
101 SOUTH MARKET ST
MECHANICSBURG PA 17055
FULTON, FRIEDMAN, & GULLACE LLP
Signature:
David R. Galloway #87326
130B Gettysburg Pike
Mechanicsburg, PA 17055
(866) 563-0809
Counsel for Plaintiff
PA_JUDGT ON STIP