HomeMy WebLinkAbout12-4406NOTICE OF APPEAL
COMMONWEALTH OF PENNSYLVANIA
COURT OF COMMON PLEAS FROM
JUDICIAL DISTRICT DISTRICT JUSTICE JUDGMENT
I GI
COMMON PLEAS No. V?
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.
NA6. 1111T, NO. OR MAN[ OF D.J.
NAM[ OF A?P[LLA NT
ADDRESS OF APP[ L NT ^CITY [TAT! Z1? OOD[
JP 43D fTJ /
DAT[ os uo6 [Nr // 1N r [ ow6[ or(PIAWIN) l ( rendanr)
CLAIM NO [16N DR OF APPELLANT OR NI[ TORN[T OR A NT
NO. U
N
CV 20
LT 20
This block will be signed ONLY when this notation is required under Pa.
If appellant was Claimant (see Pa. R. C. P.J. P.
R.C.P.J.P. No. 1008B.
This Notice of Appeal, when received by the District Justice, will operate as No. 1001(6) in action before District Justice, he
a SUPERSEDEAS to the judgment for possession in this case. MUST FILE A COMPLAINT within twenty (20)
Signature of Prothonotary or Deputy
appellee(s), to file a complaint in this appeal
Name of appellee(s)
) within twenty (20) days after service of rule or suffer entry of judgment of non pros.
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R.C.P.J.P. No. 1001(7) in action before District Justice.
IF NOT USED, detach from copy of notice of appeal to be served upon appellee).
PRAECIPE: To Prothonotary
Enter rule upon
(Common Pleas No..
Signature of appellant or his attorney or agent
RULE: To , appellee(s)
Name of appellee(s)
(1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of
service of this rule upon you by personal service or by certified or registered mail.
(2) If you do not file a complaint within this time, a JUDGMENT OR NON PROS WILL BE ENTERED AGAINST YOU.
(3) The date of service of this rule if service was by mail is the date of mailing.
Date
, 20
days after filing his NOTICE of APPEAL
Signature of Prothonotary or Deputy
AOPC 312-90 COURT FILE TO BE FILED WITH PROTHONOTARY
?a Awl
J?JF 24t JOL is
?
oll
So
4Sgyo
PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT
(This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing the notice of appeal. Check applicable boxes)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF SS
AFFIDAVIT. I hereby swear or affirm that I served
® a copy of the Notice of Appeal, Common Pleas No.__ upon the Dristrict Justice designated therein on
(date of service)- __._____ by personal service ® by (certified) (registered) mail, sender's
receipt attached hereto, and upon appellee, ;namer,.______ t ;
__ 20by personal service ? by (certified) (registered) mail, sender's receipt attached hereto.
and further that i served the Rule to File a Complaint accompanying the above Notice of Appeal upon the appellee(s) 1:1
whom the Rule was addressed on -- _____ 20__ by personal service M by (certified) (registered)
mail, sender's receipt attached hereto.
SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME
THIS DAY OF __, 20---
Signature of affiant
Signature of official before whom affidavit was made
Title of official
My commission expires ?J
k facl L'il ! ,
, isposiliolI Stt)t)aI,I.,I
FW*et No
ANY PARTY F I.A o I
THE PROMONOI AR r,'+:.!
.It IDGMFNTiTRANSWR:I'"I'
EXCEptAS OTK-;kVr
HOLDER FF FCTS TO F' I ,
('0URTt:It*fW7MMCaN I'I_.I_
UNLLSS YHL JUIU.;:,
KI:.S.UL-SI ION LNIKv try
c_)kl Q f HLRWI SL CUPJIr'L !,
k,l Notice of Juld mentlTratiscript Civi
r, y.
aYx lii+.r Case
Ability Recovery Servir?s LLC
V.
aoan K Yarnaquchi
ed
T)ocket No, MJ-09302 '-V-0040079 201)
Case f Iled' 4/23/2412
Qvfun all
C)i sition
---?...?..-_.. [)ISp,r,tiftlt°aIJ [far
K Yam t tw:1i
i Dis;n I? ;c t[ lNithaut r'f°jtl(ilcF0 r,t1, _q) ?,,
WII11IN D I)AY;3 AF 11 R Ilia I NIF'Y OF JUDGMENT UY FILING A NOTICF- OF APPEAL
= Cully IF (oMMC)N If_1=AS, GIVII. DIVFSF7N YOU MUST INCLUDE A COPY (V THIS N01110L: f)t"
vvrrl! Y h, N )TWF[ QF APPrAI_
OVI1 0 I 1 [ IF: RUhrs OF' CIVIL. PPOCMURF FOR MAGISTERIAL DISTRIGr JUDGES, IF ME JUDCMF.?j
li JLtLm" fit_`iI IN THL COURT OF COMMc_)N PU-'AS, ALL FURTHER PROCESS MUST COME FRcm W c
Nil I UJ ; 1 II-_id PRUCLSS MAY UL ISSUEU LUY I FiL MAGISTERIAL DISTRICT JUDGE.
I.,N ILf a IIFL G )UHI OF COMN10N rl-LAS, ANYONL KWRFSTED IN THE JUDGMENT MAY FlI- tA
'ill i: t :I I -I IL fulrtiGI l-RIAL, L451HIC I .JUL)uE- II IHL JUDGMENT 111711TOR PAYI) IN FULL, ",F,
I I Eon,
MauieiHrilal Di thif t JI Wqy vk/Wrh Golwk
I
I
14'1,tt t +(r i .u I1'I 11 r) .IUclyra
SV_
?v
- 1-?,f1a 7 i:1 i'
- L'efr?teFi a 1?).=i?[I i > 'Ctifl rOAf?+i
Postal
Co CERTIFIED MAILT,, RECEIPT
..
M
P` t qe
C,Affieo Fee // Jy?
Return Receipt Fee -? T 1.1,li. gstmark
O (Endorsement Required) - k;, a? sere
U
Restricted Delivery Fee 1 #s;,47;?
C3 (Endorsement Required) ! G
O
U') T- stage & Fees
4G? •-- ^-----------
S -ri- ------- -
?P /7a .
0"'
-- ; - - --
M
Co Postage t5
rq Certified Fee
Return Receipt Fee
a -ndorsement Required)
Restricted Delivery Fee
C3 I'ndorsement Required)
M -
lll Total P s ge & F s
M
ent To
a
p tree f, t. No; '
rl- 30Box No. r
;iry, State, P
a
PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE CO 'P.
(This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing the notice of appea/
COMMONWEALT F PENN YLVANIA
COUNTY OF ss
AFFIDAVIT. hereby swear or affirm that I served ' do/4 ,
a copy of the Notice of Appeal, Common Pleas Nod-, upon the Dri; c:
(date of service) 20 ? by personal service I%) ii
receipt attached hereto, and upon appellee, (name), - --- -
20 [I by persona service ? (certified (registered) mE f
' and further that I served the Rule to File a Complaint accomianying the above Notic( of
whom the Rule was addressed on 20 ? by personal r:rt
mail, sender's receipt attached hereto. ,
i
SWORN FFIRDAY ED) OAFND S C BED BEF ORE M rA VA.* THIS
r
y
Signature of ?ffial before fvit was rrXde
Title ofIfticiaf
My commission expires on , 20
e
^4AM1M?ll?:s,:
MAIVE,A MM U NOWN ?ilr
?-rry OF
MvIcu?nlrri,lOMIyMM?t# l1.3W
f l I.?
,I .
.,
C: ,'k
mu iunuu
NOTICE OF APPEAL-
in yr 11CNNSTwwN1A
COURT OF COMMON PLEAS
FROM
JUDICIAL DISTRICT DISTRICT JUSTICE JUDGMENT r ,
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.
/I rt
X M,f OF APPELLANT /?i
S ,? / / /v
' fig{
I
`
/L?! .•
1?`, MAO. 151111T. NO. OR NAM[ OF O.J.
/ / ^.O \J ^? y} r .,?
(" 1 ,s A
' /
?ry 1`?
..
AOD/R/[!! OF APP L GA(•NNT { f f y f CITY T.T. E
I?
T LIP COD[
1
V /
DAT! OF JYD7[NT IN?l1l CAR OP (PI8/ntiff)
;; ?'
; e/endent)
W
CLAIM NO.
CV 20 EIONATY OF APPELLANT OR .18
TT-t- OR A NT
T 20
?°
r 41
)
This block will be signed ONLY when this notation is required under Pa.
R.C.RJ.P. No. 1008B.
This Notice of Appeal, when received by the District Justice, will operate as
a SUPERSEDEAS to the judgment for possession in this case.
Signature of Prothonotary or Deputy
1-1
If appellant was Claimant (see Pa. R.C.P.J.P.
No. 1001(6) in action before District Justice, he
MUST FILE A COMPLAINT within twenty (20)
days after filing his NOTICE of APPEAL.
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R.C.P.J.P. No. 1001(7) in action before District Justice.
IF NOT USED, detach from copy of notice of appeal to be served upon appellee).
PRAECIPE: To Prothonotary
Enter rule upon ?11 , appellee(s), to file a complaint in this appeal
Name of appellee(s)
q.
(Common Pleas No. ) within twenty (20) days after service of rule or suffer entry of judgment of non pros.
Signature of appellant or his homey or agent
RULE: To appellee(s)
Name of appellee(s)
T
(1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of
service of this rule upon you by personal service or by certified or registered mail.
(2) If you do not file a complaint within this time, a JUDGMENT OR NON PROS WILL BE ENTERED AGAINST YOU.
(3) The date of service of this rule if service was by mail is the date of mailing.
V
Date: 20-.
9t9n&A" 6 f iiyothonoiiary or Deputy
I
{-fnr
` t
• w S 1 1-•`J l i Vil
e- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
PLAINTIFF
ABILITY RECOVERY SERVICES, LLC
P.O. BOX 4031
WYOMING, PA 18644
vs.
COMPLAINT IN CIVIL ACTION
DOCKET NO.: 12-4406-CV
DEFENDANT
JOAN YANAGUCHI
326 HIGH MOUNTAIN ROAD
SHIPPF,NBURG, PA 17257
FILED ON BEHALF OF PLAINTIFF
ATTORNEY OF RECORD OF
THIS PARTY:
James T. Mulligan, Jr., Esq.
PA LD # 51794
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
PLAINTIFF
ABILITY RECOVERY SERVICES, LLC
P.O. BOX 4031
WYOMING, PA 18644 NO.: 12-4406-CV
yS.
DEFENDANT
JOAN YAMAGUCHI
326 HIGH MOUNTAIN ROAD
SHIPPENBURG, PA 17257
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by an attorney and filing in writing with
the court your defenses or obligations to the claims set forth against you. You are warned that if
you fail to do so the case may proceed without you and a judgment may be entered against you
by the court without further notice for any money claimed in the complaint or for any other claim
or relief requested by the plaintiff. You may lose money or property or other rights important to
you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Court Administrator
4th floor, Cumberland County Courthouse
Carlisle, PA 17013
717-240-6200
ABILITY RECOVERY SERVICES, LLC
P.O. BOX 4031
WYOMING, PA 18644
PLAINTIFF
vs.
JOAN YAMAGUCHI
326 HIGH MOUNTAIN ROAD
SHIPPENBURG, PA 17257
DEFENDANT
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL DIVISION
DOCKET NO.: 12-4406-CV
COMPLAINT
NOW COMES, the Plaintiff by and through its Attorney, James T. Mulligan, Jr., Esquire
and hereby complains as follows:
1. The Plaintiff is ABILITY RECOVERY SERVICES, LLC, a Pennsylvania Limited
Liability Company with a mailing address located at P.O. Box 4031, Wyoming, Luzerne County,
Pennsylvania and offices located at 921 Oak Street, Scranton, Lackawanna County,
Pennsylvania.
2. The Defendant is Joan Yamaguchi, an adult individual, who currently resides at
326 High Mountain Road, in Shippenburg, Cumberland County, Pennsylvania, 17257.
COUNTI-CONTRACT
3. Defendant applied for and received a credit card with CHASE, USA NA bearing the
account number (4266902012856298), on or about May 25, 2005.
4. Defendant made use of said credit card, thus accepting the offer of credit, and has a
current balance due of Three Thousand One Hundred Thirty Dol Lars and Eighty Three Cents
($3,130.83) as of July 27, 2012. See Cardmember Agreement, the writing governing the terms of
the extension of credit, attached as Exhibit "A" and monthly statements, collectively attached as
Exhibit "B".
5. Defendant is in default of aforesaid Agreement, as of November 18, 2009, by failing to
make required monthly payments when due. As such. the entire balance is immediately due and
payable to Plaintiff, pursuant to said agreement.
6. Plaintiff purchased the Defendant's debt on January 6. 2012. See Plaintiff's Bill of Sale
and Chain of title, collectively attached as Exhibit "C".
7. Plaintiff is entitled to the addition of interest pursuant to Exhibit "A", at the conservative
rate of 19.99% per annum on the unpaid balance as pre-judgment interest from the date of
default of November 18, 2009, up to the date of judgment.
8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or
refused to pay the balance due to Plaintiff, thus damaging Plaintiff.
Wherefore, the Plaintiff, ABILITY RECOVERY SERVICES, LLC, prays for judgment
in its favor and against Defendant, Joan Yamaguchi, individually, in the amount of $3,130.83,
with continuing pre judgment interest thereon at the rate of 19.99% per annum from
July 27, 2012 up to date of judgment, plus subsequent 6% interest on the judgment obtained, plus
costs.
COUNT II - ACCOUNT STATED
9. Paragraphs 1-8 are incorporated herein.
10. Defendant received aforesaid monthly statements, and did not timely dispute the charges
therein.
11. Defendant made partial payments on the balances then due.
12. The account stated was impliedly accepted by Defendant.
Wherefore, the Plaintiff, ABILITY RECOVERY SERVICES, LLC, prays for judgment
in its favor and against Defendant, Joan Yamaguchi, individually, in the amount of $3,130.83,
with continuing pre judgment interest thereon at the rate of 19.99% per annum from July 27,
2012 up to date of judgment, plus subsequent 6% interest on the judgment obtained, plus costs.
COUNT III - UNJUST ENRICHMENT
13. Paragraphs 1-12 are incorporated by reference.
14. Alternatively, monetary benefits, with which Defendant purchased goods and services,
have been conferred on Defendant, as stated herein.
15. Defendant has appreciated said benefits, as stated herein.
16. The acceptance and retention of such benefits under these circumstances by Defendant
would be inequitable without: the payment of value for same.
Wherefore, the Plaintiff, ABILITY RECOVERY SERVICES, LLC, prays for judgment
in its favor and against Defendant, Joan Yamaguchi, individually, in the amount of the
reasonable value of benefits conferred, to be determined, plus interest, plus costs.
i /
Dated: t
James T. Mulligan, Jr., Esquire
PA LD#51794
P.O. Box 4031
Wyoming, PA 18644
(866) 760-6205 ext. 235
In-House Counsel for Plaintiff
This company is a debt collector attempting to collect this debt for our client and any
information obtained will be used for that purpose.
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. Section 4904
relating to unsworn falsification to authorities, that he is JAMES T. MULLIGAN, JR., IN-
HOUSE COUNSEL, authorized agent of ABILITY RECOVERY SERVICES, LLC, Plaintiff
herein that he is duly authorized to make this verification, and that the facts set forth in the
foregoing Plaintiff's Answers to Interrogatories, are true and correct to the best of his
knowledge, information and belief.
Date:
Ja e T. Mulligan, Jr.,
In use Counsel
Exhibit
«A»
Cardmember Agreement CfVA10589
This is the Agreement that establishes Ile terms of your Ctrrlmember Account ("Account")
with Chase Bank USA, N.A Please read it carefully and keep it for your records. You do not
need to sign this Agreement, but please be sure to sign the. track of your Card if you have not
already done, so. All extensions of credit in connection with your Account are being trade by
Chase Bank USA, N.A., in Wilmington, teloware. Any use of your Card or Actount confirms
your acceptance of the terms and conditions of this Agreement.
Definitions: In this Agree metil, the word,, "you" and "your" refer to each person (jointly and
severally if more than one} who has applied for the Accoom and any other person who has
agreed to be responsible for the Account. The words "wo", 'us', and "Orr" refer to
Chase `lank USA, N.A., which is the sus ressor by merger to Bank One, Delaware, N.A. We
may at any time choose to communicate. with you under our other brands including Bank One.
You understand that all such brand references when reterrirg to your Card or Account shall
mean Chase Bank USA, N.A. "Card" refers to each MasterCard and/or Visa Card that is issued
on your Account. The Card must be retui nerl or surrendered to us or our agent upon request.
Using Your Account: You may use your Card or Account to purchase of lease goods or
services, or pay amounts you owe, wherever the Card is honored, transfer balances from other
accounts or, if applicable, to obtain advances to cover an overdraft on your checking account
with an affiliate of ours under the terms of this Agreement and Your Overdraft Protection
Agreement, ("Overdraft Advances"), (Purchases, Balance, Transfers and Overdraft Advances
are collectively called "Purchases"). You may also use the Card to obtain cash loans ("Cash
Advances") at Automated Teller Machines, or from financial institutions accepting the card; or
to obtain travelers checks, foreign currency, money orders, viie transfers or similar cash•like
charges; or to obtain lottery tickets, casino gaming chips, race track wagers or for similar
betting transactions. You may also use a third party service to make a payment on your behalf
and bill the payment to this Account. You agree to accept coedits to your Account instead of
cash refunds when the original Purchase: was charged to your Account.
We may issue "Convenience Checks" to you which may be used to access your credit line.
Use of a Convenience Check will be Treated as a "Purchase" if,, the amount at your check. Each
Coivc,iience Checa wili contain your Account number and maybe'usr:rf only my life person(s)
whose .tame(s) inane printed on it. Each must be completed and signed by you (or either of
you) in the same manner as a regular lnemfrial check.
You may not use these checks, nor may gnu transfer a balance to pay any amount you owe to
us, or any of our related banks, under your Cardmember Agreement or under any other credit
agreement or account you may have with us. You promise la use your account only for valid
and lawful transactions. For example, intarnet gambling may be illegal in some places. it is not
our responsibility to make sure that you use your account only for permissible transactions, and
you will remain responsible for paying for a transaction even it it is not permissible.
Obligations On Your Account; You authorize us to pay and charge your Account for all
Purchases and :,ash Advances made or obtained by you or anyone you authorize to use your
Card or Account. You promise to pay us for all of these Purchases and Cash Advances, plus
any Finance Charges assessed on your Account and any other charges and fees which yen
may owe os under the terms of this Agrcemerl You will be obligated to pay authorized charges
to your Ncecunt whether resulting from C ) actual use ail your Card or Convenience Checks, (2)
mail cider or lefephone, computer or wl er electronic Purchases 'mile without presenting the
Card or (31 anAother circumstance where you authorize a charge. or authorize someone else
,u mdke a chatpe, to your Accaunt. Each person who is included within the definition of the
term "you', some, is responsible to pay the full amount owed an the Account. We may require
that you pay the full amount owed without first asking the other person(s) to pay. All payments
must be made in U.S. dollars. Any payment made by check or other negotiable instrument must
be drawn on a U.S. bank or a U.S. branch of a foreign bank,
Payment Allocation: You agree that we are authorized to Bifocal(; your payments and credits
in a way that is most favorable to or convenient for us. For example you authorize us to apply
your payments and credits to balances with lower Annual Percentage Rates ("APRs") (such
as promotional APRs) before balances with higher APRs.
Grs" Line!.,",utftrriz ! Us<.ge: Yct:c lire !c sltnv Tnrt!Inlcler.rente,itir=Jyour Sate.
Since we may change your credit line from time to time, your latest credit line will appear on
your monthly statenheut. You agree not to make a Purchase or obtain a Cash Advance that
would cause the unpaid balance of you Acct unt to exceed your credit line. We may honor
Purchases and Cash Advances in excess of vosr credit hoe at our sole discretion. If we do, this
Agreement also applies to that excess and you agree to pay the er.,:ess immediately if we
request that you do so. You agree that we may change or cancel your. credit line at any lime
without affecting your obligation to pay amounts that you owe under this Agreement. We may
designate that only a portion of your credit line is available for Cash Advances. If we do and
you exceed that limit, you will be considered to have exceeded your cedit line for all purposes
of this Cardmember Agreement. For security reasons, we. may Imul the number or dollar
amount of Purchase, Cash Advance aneVor Convenience Gheck transactions that may be
accomplished with your Card or Account, and we have the nght to iinin authorizations to make
Purchases or obtain Cash Advances if we consider it necossary to verity payments received
on your Account. Your total available, credit may not he restored for up to 15 days after we
receive, your payment.
Pariodic Statements: We win semi a statement at the end of each monthly billiuy cycle in
which your Account has a debit or credit balance of more than $1.0(1 or if a Finance Charge
has boon imposed. Atnona other Chinos. h10ur monthly statement will show your New Palanca
any Finance Charge, your credit line aim available credit, you minimum Payment ,ire and the
Payment Due Date. Your monthly Statement will also show payment instructions and
information about how we may process payment checks electronically.
Credit Information: You agree that we may request consumer credit reports from one or more
credit reporting agencies in connection with you application aria the admin stration of your
Account, You also authorize us to exciiarile credit information concerning you ar your Account
with (and answer questions and reque<ts (ono) others, such as merchants, other lenders and
credit reporting agencies.
Skip/Promuticoal Features: Rom ume ro time, we may let you skip or reduce one or more
monthly payments during a year aerlJrn we ruay ternpornrily reduce o eliminate certain
rinanco Charges on all or n poninn of yarn Arcourtt halunre ;Jr offer you alher ;petal terms. If
rage 1 r .
we do, we will advise you of the scope and duration of the applicable skip or promotional
feoture. When the skip or promotional feature ends, your regular rates and terms will resume.
Refusal to Authorize Transactions: We may, but are not required to, decline a transaction on
your Account for any of the following reasons:
because of operational considerations,
• because your Account is in default,
• if we suspect fraudulent or unlawful activity or,
• in our discretion, fw any other reason.
We are not responsible for any losses if a transaction on your Account is declined for any
reason, either by us or a third party, even if you have sufficient credit available,
For online transactions, we may requite that you register your Account with an authorization
system that we select. We will notify you if we want you to register, If you do not register, we
may decline your on-fine transactions.
Refusal to pay Convenience Cheeks: Each Convenience Check you write is your request for
funds, When we receive your Convenience Check for payment, we may review your Account
to decide whether to authorize that Convenience Check. We may, but are not required to, reject
and return unpaid a Convenience Check for any reason, including the following examples:
• We or one of our related companies is the payee on the Convenience Check.
Your credit lino has been exceeded, or would be exceeded if we paid the Convenience
Check.
• The Convenience Check is post-dated. If a post-dated Convenience Check is paid, resulting
in another check being returned or not paid, we are not responsible.
• You have used the Convenience Check after the date specified on the check.
You are i,, 11i or would br if we paid the Convenience Check.
fault':... tion: We may consider you to be in default if any of these occurs:
Aro ', eceive at least the minimum payment due by the date and time due as shown
„n t ng statement,
i h exceed your credit line.
• You fail to comply with the terms of this Agreement or any agreement with one of our
related companies.
W.I. file for L°°:•,ikr.:p;c;.
• We obtain information that causes its to believe that you may be unwilling or unable to pay
your debts to its or to others on time.
• You become incapacitated or in the event of your death.
11 we consider your Account to be in default, we may close your Account without notice and
require you to pay your unpaid balance immediately. We also may require you to pay interest
at the rate of two percent 12%) a month on the unpaid balance when we deem your account
to be six or more billing cycles past due.
To the extent permitted by low, if you are in default because you have failed to pay us, you will
pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our
rights under this agreement.
Irregular Payments And Delay In Enforcement: We can accept late payments, partial
payments, checks and money orders marked "Paid in Full" or language having the same effect
without losing any of our rights under this Agreement. We can also delay enforcing our rights
under this Agreement any number of times without losing them. The fact that we may at any
time honor a Purchase or Cash Advance in excess of your maximum credit line does not
obligate us to do so again.
ARBITRATION AGREEMENT: PLEASE READ THIS AGREEMENT CAREFULLY.. IT PROVIDES
THAT ANY DISPUTE MAYBE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES
THE RIGHT TO GO TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER
REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE. FORM OF A PRIVATE ATTORNEY
GENERAL ACTION, NOR Wit YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A
CLASS ACTION OR OTHER REPRESENTATIVE. ACTION. YOU WILL NOT BE ABLE TO BE PART
DF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE,
OR RE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE
ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A
?IGI'.f OR 01"llf FJONi I 'TO 3RING CILMNAC IN A COURT RFF^pE A JUDGE OR JUPY, :l'NOFOR
TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING
CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU
WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL
THE DECISION MAY BE MORE LIMITED. EXCEPT AS OTHERWISE PROVIDED BELOW, THOSE
NIGHTS ARE WAIVED.
Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction involving
interstate commerce, and shall be governed by and be enforceable under the Federal
Arbitration Act (the 'FAA'), 9 U.S.C. 41-16 as it may be amended. This Arbitration Agreement
sets forth the circumstances and procedures under which claims (as defined below) may be
resolved by arbitration instead of being litigated in court.
Parties Covered. For the purposes of this Arbitration Agreement, "we'", "us", and "our" means
our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, any
purcLaser of your Account, and all of their officers, directors, employees, agents, and assigns
or any and all of them. Additionally, "we", "us" arid "our" shall mean any third party providing
benefits, services, or products in connection with the Account (including but not limited to
credit bureaus, merchants that accept any credit device issued under the Account, rewards
programs and enrollment services, credit insurance companies, debt collectors, and all of their
officers, director emnloyo!te, aoents arp r^., rp-?Qativesf if, and only if, such a third narty is
named by you as a co-defendant i:n any Claim you assort against us.
Claims Covered. Either you or we may, without the other's consent, elect mandatory, binding
arbitration of any claim, dispute or controversy by either you or us against the other, or against
the employeesr parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other,
arisinu from or relat ng in any way to the Cardmember Agreement, any prior Cardmember
Agreement, your credit card Account or the advertising, application or approval of your
Account ("Claim"I. This Arbitration Agreement governs all Claims, whether such Claims are
based on law, statute, contract, regulation, ordinance, ton, common law, constitutional
provision, or any legal theory of law such as respondent superior, or any other legal or equitable
ground arid whether such Clams seek as remedies money damages, penalties, injunctions, or
tlnrlaralory or equitable relief, Claims subject to this Arbitration Agreement include Claims
regardinj the apphenhility of this Arbitration Agreement or the vaiidily of the enure
y -~ Cardmember Agreement or any prior Cardmember Agreement. This Arbitration Agreement
includes Claims that arose in the past, nr arise in the present or the future As used in this
Arbitration Agreement, the term Clain; is to he niven the broadest possible meaning.
Claims subject to arbitration include Claim5 that are made as counterclaims, cross claims, third
party claims, interpleaders or otherwiso, n.nd a party who initiates a proceeding in court may
elect arbitration with respect to any such Claims advanced in the lawsuit by any party or
parties.
As an exception to this Arbitration Agrcenenr, you retain the right to pursue in a small claims
court any Claim that is within that court's jurisdiction and proceeds on an individual basis. If a
party elects to arbitrate a Claim, the arhitra:ion will lie conducted as ap individual action.
Neither you nor we agree to any arbitration on a class er representative basis, and tine
arbitrator shall have no authority to proceed on such basis. This means that even if a class
action lawsuit or other representative action, such as that in the form of a private attorney
general action, is filed, any Clairn between its related to the issues raised in such lawsuits will
be subject to an individual arbitration claim if either you or we so elect.
No arbitration will be consolidated with any other arbitration proceeding without the consent
of all parties. The only Claims that may be lamed in an individual action under this Arbitration
Agreement are (1) those brought by us against you and any co-applicant joint Cardmember,
or authorized user of your Account, or your heirs or your trustee in bankruptcy or (2) those
brought by you and any co-applicant, joint Cardmember, or authorized user of your Account, or
your heirs or your trustee in bankruptcy against its.
fnitiation of Arbitration. The party filing a Claim in arbitration must choose one of the
following two arbitration administrators: American Arbitration Association; or National
Arbitration Forum. These administrators are independent from its. The administrator does not
conduct the arbitration. Arbitration is conducted under the notes of the selected arbitration
administrator by an impartial third party chosen in accordance with the rules of the selected
arbitration administrator and as may be. provided in this Arbitration Agreement. Any arbitration
hearing that you attend shall be held at a place chosen bit the arbitrator or arbitration
administrator within the federal judicial district in which you reside at the time the Claim is
filed, or at some other plane to which you anti we agree in writing. You may obtain copies of
the current rules of each of the two arbitiarnr adminislrMors, information ahon_t arbitration and
arbitration fees, and instructions for indbating arbitration by contacting the arliitretion
administrators.
American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 1001.)-
4605, Web site; www,adr,org, 800.778.1813
National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site:
www.arbitration-forum.com, 800-474-2371
Procedures and law applicable in arbiliaticn. A single, neutral arbitrator will resolve Claims.
The arbitrator will either be a lawyer with at least ten years experience, or a retired or former
judge. The arbitration will be conducted under the applicable procedures and rules oI the
arbitration administrator that are in effect on file dale the arbitration is tiled unless those
procedures and rules are inconsistent with this Arbitration Agreement, in which case this
Agreement will prevail. These procedures and odes may limit the amount of discovery
available to you or Us. The arbitrator will apply applicable substantive law consistent with the
FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law.
You may choose to have a hearing and he represented by counsel. The arbitrator will take
reasonable steps to protect customer Account information and other confidential inforrmation,
including the use of protective orders to prohibit disclosure outstle the arbitration, if requested
to do so by you or us. The arbitrator will have the power to award to a party any damages or
other relief provided for under applicable law, and will not have the power to award relief to,
against, or for the benefit of any person who is not a party to the proceeding. If the law
authorizes such relief, the arbitrator may award punitive damages or attorney fees. The
arbitrator will make any award in writing but need not provide a statement of reasons unless
requested by a party. Upon a request by you or us, the arbitrator will provide a brief statement
of the reasons for the award.
Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the amount
of $500 upon receipt of proof of payment. Additionally, if there is a (tearing, we will pay any
i"E's of titZ nibarmur and-aifiiuailen iidrninistrator°ior Elie first two days of ii,al l eariog. Mu-
payment of any such hearing fees by us will he, made directly to the arbitration administrator
selected by you or us pursuant to this Aihivation Agreement. All other fees will he allocated
in keeping with the odes of the arbitration administrater and applicable law. However, we will
advance or reimburse filing fees and otter fees if the arbitration administrator or arbitrator
determines there is good reason for requiring its to do so or yen ask us and we detenmine there.
is good cause for doing so. Each party will bear the expense of the fees and costs of that
party's attorneys, experts, witnesses, documents and other expenses, regardless of which
party prevails, for arbitration and any appeal (as permitted below), except that the arbitrator
shall apply any applicable law in determ:ininii whether it party mould recover any or all fees
and costs from another party.
Enforcement, finality, appeals. Failure or any delay in enforrhhg ;his Arbitration Agreement al
any time, or in connection with any particular Claims, will not constitute a waiver of any rights
to require arbitration at a later time or in connection with any other Claims. Any decision
i endared in such arbitration proceeding will be final and binding on the parties, unless a party
appeals in writing to the arbitration organization within 30 days of issuance of the award. The
appeal must request a new arbitration hefore a panel of two neutral arbitrators designated by
the same arbitration organization. The pauef will reconsider all factual and legal issues anew,
Follow the same rules that apply to a pronmrring using e sinc!g affil rotor, and make igci .ions
based on the vote of the majority Fach patty will bear their own lees, costs and expenses for
any appeal, but a party may recover any or all fees, costs and expenses from another party, if
the majority of the panel of arbitrators, applying applicable law, so determines. An award in
arbitration will be enforceable as provided by the FAA or other applicable law by any count
having jurisdiction.
Severabilftq, survival. This Arbitration Agreement shall survive: iij termination or changes i-i
the Cardmember Agreement, the Account anti the relationship between you and us concerninli
the Account, such as the issuing of a new account number or thn transferring of the balance
in the Account to another account (ii) the, bankruptcy of any pan.y or any similar proceedin I
initiated by you or on your behalf; and (iii) paynient of the debt in full by you or by a third part ••
If artyporlion of this Arbitration Agreement Is deemed invalid or unenforceable. the remainirn
portions shall nevertheless remain in force.
Changes to this Agreement; We can change this Agreement at any time by adding, deleting,
or modifying any provision. Our right to add, delete, or modify provisions includes financial
wims, such as the APRs and fees, and other terms such as the nature, extent, and
enforcement of the rights and obligations you or we may have relating to this Agreement,
Modifications, additions, or deletions are called "Changes" or a "Change".
We will notify you of any Change if required by applicable law. These Changes will be effective
at the time stated in our notice. Unless we state otherwise, any Change wig apply to the unpaid
balances on your Account and to new transactions.
The notice may state that you may notify us in writing by a specified date if you do not want
to accept certain Changes we are making. If you notify us in writing that you do not accept the
Changes, your Account will be closed and you will be obligated to pay your outstanding
balance under the terms of tine Agreement in effect on the date you received the notice of
Chang,.
If you do not notify its in writing by the date stated in the notice, or if you notify us but also
use your Account after the date stated in the notice, you will be deemed to accept all Changes
in the notice and to accept anti confirm all terms of your Agreement and all Changes in prior
notices we have sent you.
Phone Calls: In the regular corpse of our business we may monitor and record phone
conversations made or received by our employees. You agree that we will have such right with
respect to all phone conversations between you and our employees, whether initiated by you
or any of our employees.
Notices: We will send statements and any other notices to you at the address shown in our
files. If this is a joint account, we can send statements and notices to either of you. You
promise to inform its promptly in writing of any change in your address. At our discretion, we
may accept address corrections from the United States Postal Service.
Assignment: We may at any tine assign your Account, any sums due an your Account, this
Agreement or our rights or obligations under this Agreement. The person(s) to whom we make
any such assignment shall be entitled to all of our rights under this Agreement, to the extent
assigned.
GOVERNING LAW: THIS AGREEMENT AND YOUR ACCOUNT WILL BE GOVERNED BY THE
t Ai J OF Tfir STATE OF DELAWARE ANP, PS-AP PUCABLE, FEDERAL LAW,
YOUR BILLING RIGHTS
Keep This Notice For Future Use
This notice contains important information about your rights and our responsibilities under the
Fair Credit Billing Act.
Notify Us In Case Of Errors Or Wastlons About Your B01
If you think your bill is wrong, or if you need more information about a transaction on your bill,
write us on a separate sheet at Cardmember Service, R0. Box 15299, Wilmington, DE 19850-
5299. Write to its as soon as possible. We must hear from you no later than 60 days after we
sent you the first bill on which the error or problem appeared. You can telephone us, but doing
so will not preserve your rights,
In your letter, give its the following information:
Your name and account number.
The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are not sure about.
Your Rights And Our Responsibilities After We Receive Your Written Notice
We must acknowledge your letter within 30 days, unless we have corrected the error by then.
Within 90 days, we must either correct the error or explain why we believe the bill was
correct.
After we receive your letter, we cannot try to collect any amount you question, or report you
as delinquent. We can continue to bin you for the amount you question, including finance
charges, and we can apply any unpaid amount against your credit limb. You do not have to pay
any questioned amount while we are investigating, but you are still obligated to pay the parts
of your bill that are not in question.
It we find that we made'a mistake on your bill, you will not have to pay any finance charges
related to any questioned amount. It we didn't make a mistake, you may have to pay finance
charges, and you will have to make up any missed payments on the questioned amount, in
wither case, we will send you a statement of the amount you owe and the date that it is due.
it you fail to pay the amount that we think you owe, we may report you as delinquent.
however, if our explanation does not satisfy you and you write to us within ten days telling us
that you still refuse to pay, we must tell anyone we report you to that you have a question
about your hill. And, we must tell you the name of anyone we reported you to. We must tell
anyone we report you to that the matter has been settled between us when it finally
is.
If we don't follow these rules, we can't collect the first $50 of the questioned
amount, even if your bill was correct.
If your have a problem with the quality of property or services that you purchased
with a credit card, and you have tried in good faith to correct the problem with the
merchant, you may have the right not to pay the remaining amount due on the
property or services. There are two limitations on this right:
(a) You must have made the purchase in your home state or, if not within your
hr„tc state, within 100 miles of your current mailing address, and
ib) the purchase price must have been more bran $50.
These limitations do not apply if we own or operate the merchant, or if we mailed
you the advertisement for the property or services.
Minimum Paymolit: you ayree to pay of least the minimum oaYment clue, as shown on your
billing statement, so that we receive, it by the date and time payment is chic, You may pay more
than the minimum payment dire and clay pay the full amrtuht you owe its at any time. It you
have a balance that is subject to finance charges, the sooner ymt pay us, tine less you will pay
in finance charges because finance chanter accrue on your balance each day.
Your billing statement shows your beginning balance and your ending balance (the "Now
Balance' on your billing statement). if the New Balance is $10.00 or less, Your minimum
payment due will be the New Balance. Otherwise, it will be rate, largest of the following: $10.00;
2% of the New Balance; or the sum of ]'b of the New balance, total billed periodic rate finance
charges, and any billed late and overliwif fees. As part of the minimtar payment due, we also
add any amount past dire and any amount over your credit line
Minimum Finance Charge: There is a minimum FINANCE CHARGE in the amount stated in
the Table of Interest Charges in any hilllatrt cycle in which you owe a Periodic FINANCE
CHARGE,
Periodic Finance Charge Calculation--Two-Cycle Average Daily Balance Method
(Including New Purchases) for Purchases and Average Daily Balance Method (Including
New Transactions) for Other Transactions: We calculate Periodic FINANCE CHARGES
separately for each feature such as Purcirrses, Overdraft Advances, Cash Advances, Balance
Transfers, Convenience Checks or Promotional Balances. We figure the Periodic FINANCE
CHARGES by applying the applicabe Daily Periodic Rate shown in the Tattle of Interest
Charges to each feature's daily balance for each day of the current billing cycle. In addition, for
Purchases, we apply the Daily Periodic Rate to the daily balance for each day of the previous
billing cycle adjusted as described below.
To get tine daily balance for each day of the current billing cycle. we take the beginning balance
for each feature, add any new uansactidns or other debits (including fees and other charges),
subtract any payments or credits, and make other adjustments. Transactions are added as of
the later of the transaction date of the beginning of the billing cycle in which they are posted
to your Account (except that Convenience Cl ecks are added as of the date accepted by the
payee). Fees are added either on the date of a related transaction or the last day of the billing
cycle. This gives us that day's daily balance. A credit balance is troated as a balance of zero.
We multiply the daily balance by the applicable Daily Periodic Rate, as stated in tine Table of
Interest Charges, tc net your Periodic FINANCE CHARGES it.r fl at day. Viv then add,thn;Se
`V&j6dic fl'NANCE CHARGES to your daily balance to get the beginning balance for the next
day. For Purchases, we do the same thing for each day of the previous cycle to get the daily
balance of Purchases for the previous billing cycle. However, the daily balance for previous
hillintl cycle Purchases is considered to be zero for each day of the. previous billing Cycle if a
Periodic FINANCE CHARGE was already imposed un Purchases itemized on your previous
statement or you paid your New Balancc ail your previous siatement ut full by the payment
due date.
To got your total Periodic FINANCE CHARGE for a billing cycle, we acid all of the daily
Periodic FINANCE CHARGES for all features. If you nwltiply the Average Daily Balance for
each feature by the applicable Daily Periodic Rate and tine ntmtber of days in the applicable
billing cycle(s) and add the results together, the total will equal the periodic FINANCE
CHARGES for the billing cycle, except for minor variations due to rounding. To determine an
Average Daily Balance, we add your daily halances and divide by the number of the days in
the applicable tilting eyrie(s).
11 we have promotional rate offers in effect, we will separately identify them on the from of your
statement and separately disclose the balances to which the promotional rates or terms apply.
These separate balances and file related Fhlance, Charges Wit be calculated is the same
manner as described above
Grace Period: Periodic FINANCE CHARGES are added to your balance from the later of the
transaction date or the beginning of the billing cycle in which they arc posted to your Account
(except that they are charged on Convenience Checks from the day the check is accepted by
the payeel. They continue to be added untii the day we receive payment in full. However, we
do not charge Patio& FINANCE CHARGES an new Purchases (other than Balance Transfers
and Convenience Checks) if you pay your bill New Balance by the Payment Due Date and your
Previous Balance was zero or a credit baiance. there is nn {bane period for Cash Advances,
Convenience Checks, and Balance Trawsnns. If apphrahle there is no grace period for
^_ ' - uvertirElR'n`1n+uh:es.
We figure another portion of the Finance Charge on your Account by adding a one-time Cash
Advance FINANCE CHARGE for each Casl, Advance wbert it is obtained. The amount of the
Cash Advance FINANCE CHARGE is stated in the Table of Interest Charges.
In addition, if YOU use a third party service to make a payment on your behalf and the service
charges the payment to this Account, we may Charge Cash Advance FINANCE CHARGE.
for the payment.
Transaction Finance Charges for Balance Transfers and Convenience Checks: We will
charge you a Transaction FINANCE CHARGE m file amount stated in the Table of interest
Charges for Balance Transfers and Convenienc:e Checks. If apptic 111e, Overdraft Advances will
not be assessed a Transaction FINANCE CHARGE..
The total Finance Charge on your Account for a monthly billing cycle Will be the sum of the
Periodic FINANCE CHARGES plus any Gash Advance FINANCE CHARGES and any
Transaction FINANCE CHARGES.
This Agreement provides for daily compoundi,rg of Finance Charges (interest).
The Periodic FINANCE CHARGES are subject to change. as described in tide sections entitled
"Changes to this Agreement" and "Default Rate".
Daily Periodic Oates and Annual Percontage Rates; yrntrAPR3 and the Gaff ssrmrdinp daily
perivriic rates r? a fist:;u u'titC t-ble of linens Charges. to ( title deh!y periodic rate we divine
the APR by 365, and in effecl always round uh at the fifth place to the right of the decimal
point.
Variable Rates: One or more APRs that apply it) your account may vary will, changes to the
Prime Rate. When you have an APR that varies with changes to the prime Rate, we calculate
the APR by adding a margin to the Pnme Ratc published in Tire Walt Steer Journal two
business days before the Closing Date shown cur your billing statement. The "Prime Flare" is
the highest (US.) Prime Rate Published in the Money Refer sechnn cif The Wall Srreef Joerr7ol
A "margin" is the percentage we add to file Prirnr Rate to calculate rte APR. A "business day"
is any day that is not a weekend or federal holiday. The T,hble ut interest Charges section show ,
which rates, if any, are variable raves. li also lisls the rrrargin ter each variable rate and and
minimmnh daily periodic rate and corresponding A.PR.
Two business days before the Closing Elate shown on your billing statement, we see what the
Prime Rate is We then add the applicable margin to that Prime Rate to get the APR. To get the
daily periodic rate we divide the APR by 365. To get the monthly periodic rate, we divide the
APR by 12..
It out calculation results in a change to a (laity periodic rate, the new rate will apply as of the
first day of your billing cycle that ends in the calendar month in which we made the calculation.
If the daily periodic rate increases, you will have to pay a higher periodic finance charge and
may have to pay a higher minimum payment.
If The Wall Sheef Journal stops publishing the Prime Rate, we will select a similar reference
rate and inform you on your billing statement or through a separate notice.
Other Foes and Charges: In addition to the finance Charges discussed above, the following
fees will be applicable to your Account:
Annual Membership Fee: If your Account has an Annual Membership Fee stated in the
Table of Interest Charges it will be billed each year or in monthly installments, whether or
not you rise your Account, and you agree to pay it when billed, The Annual Membership
for, is non-refundable, unless you notify as that you wish to close your Account within 30
days of the date we. mail your billing statement on which the Annual Membership fee is
charged and at the same time, you pay your outstanding balance in full. Your payment of
the Annual Membership Fee does not affect ow right to close your Account or limit your
right to make Purchases or obtain Cash Advances. If your Account is closed by you or us,
we will continue to charge the Annual Membership Fee until you pay your outstanding
balance in full and terminate your Account relationship.
Late Fec: If you do not pay at least the minimum payment due by the Payment Due Date
for any bitting cycle ("Late Payment"), we may charge a late fee. We will calculate the late
fee based on the New Balance shown on your monthly statement as shown in the Table of
Interest Charges,
Return Payment Fee: If your bank does not honor the check of direct debit you remitted to
its to pay amounts you owe under this Agreement, or we must return a check because it
is not signed or is otherwise irregular, we may charge you a return payment fee in the
anhounl stated in the Table of Interest Charges.
Return Convunionce Check fear If we (a) stop payment on a Convenience Check at your
rr m: t or (L•; cturr. a Convenience Check unpaid b;:cst:se it z-)r.aods yeti avniiau is ue;lit
at the time it is processed, your Account is closed or otherwise does not have charge
privileges, w your Accomi is past due, we may charge you a return Convenience Check
fee in the amount stated in the Table of Interest Charges.
Overlimit Fee: You are responsible for keeping track of your Account balance, including any
fees and finance charges, and making sure that it remains below your credit Iine. If your
Account balance s over your credit line at any time during a billing cycle, even if only for a
day, we may charge all overlimit fee in the amount stated in the Table of Interest Charges.
We ntay charge this fee even if your balance is over the credit line because of a finance
charge or fee we imposed or a transaction we authorized. We wilt not charge more than
one overlimit fee for any billing cycle. But we may charge an ovedfmit fee in subsequent
billing cycles, even if no new transactions are made on your Account, it your Account
balance still is over your credit line at any time during the subsequent billing cycles. For
example, it you are ovedlimit at the end of a billing cycle, you may incur an additional fee
for being ovedinin at the beginning of the next billing cycle as well. TMs will be true even it
you pay your Account by the date and time due us shown on your billing statement,
Administrative FOOS: It you request photocopies of sales slips or duplicate copies of
monthly statements, or i(you request any special services such as obtaining Cards on an
expedited basis, you agree to pay our reasonable charges for such services, as from time
to lime in effect, The present charges for such services are specified in the Table of Interest
Charges. However if you request items such as sales slips or duplicate statements in
connection with any disputed billing matter (see "Your Billing Rights" j, we will not impose
a lee if a billing error is disclosed.
Unless otherwise arranged between its, any fees listed above under "Other Fees and
Charges" will he added to your Account and treated as Purchases.
International Transactions: International transactions Include any transaction that you make
in a foreign ctlrfenrycr that gnu make rxNSide,cf'ht blr,•,teri $e< Or ^^4 ca even if it i5 !Y!'de
in U.S dollars. If you make a transaction in a foreign currency, Visa lnternationat or MasterCard
International, Inc. will convert the transaction into U.S. dollars by using its respective currency
conversion procedures, The exchange rate each entity uses to convert currency is a rate that
it selects either from the range of rates available in the wholesale currency markets for the
applicable processing date (which rate may vary from the rate the respective entity itself
receives), or the governmenWandated rate in effect on the applicable processing date. The
rate in effect on fire applicable processing date may differ from the fate on the date you used
your card or account. We reserve the right to charge you an additional three percent (3%u) of
the U.S. dollar amount of any intemational transaction, whether that transaction was originally
made in U.S. dolfais or was made in another currency and converted to U.S. dollars by Visa or
MasterCard. In either case, the 31 will be calculated on the U.S. dollar amount provided to us
by that entity, The same process and charges may apply if any international transaction is
reversed.
i'aOt r>: - 3i CMAI bail
Tatrlr u. Interest rh:,rges
The Daily Periodic pate we. use io determine the Periodic FINANCE CHARGE for your
Purchase balances (excluding Overdrnr!t A(ivances, d applicable? until the first day of you,
billing cycle that includes February 1, 20K ;the "Introductory fl rood" ), is a fixed rate of 0%:
corresponding to an APR of 0%.
After the Introductory Period ends, the Daily Periodic Rates we use to determine the
Periodic FINANCE CHARGE for your Purcl,ase balances lexrluding Overdraft Advances, if
applicable) and your Cash Advance balance are variable rates. They are called "Standard
Rates", These variable rates will he calculated as described in the section of this agreement
entitled "Variable Rates'".
The APR `or your Purchase balances lcxr h ding Overdraft Advances, if applicable) wit! be
the prime rate plus 3.24%. It will never ire less thar. 7.49°f, The rotraspontling daily Periodic
Rate for your Purchase bclances t^aiP nt+, ar be less than 0.02052°1.
The APR for your Cash Advance halanct. will be the prune rate plus 15,24%, it will never
be less than 19.49%. The corresponding Daily Periodic Rate tot your Cash Advance balance
will never be less than 0.053401.
On Apol 2Z, 2005, the prime rate was a lb%. Using that prime rate as. an example, we
estimate that the Daily Periodic Rate for your Purchase balances (excluding Overdraft
Advances, it applicablei would equa! O.UZ463% and the APR would equal 8.99%, And the
Daily Periodic Rate for your Cash Advance balance would equal 0.05751% and the APR
would equal 20.99%.
If applicable the Daily Periodic Rate we use to detornline your Periodic FINANCE CHARGE
for Overdraft Advances is a fixer) rate of 0.03833%, corresponding to an APR of 13.99`%..
See also "Default Rate" section.
Cash Advance FINANCE CHARGE
ATM Cash Advance 3% of Cash Advance
(with a minimum of $10.00)
All Other Cash Advances 3% of Cash Advance
f-w4h :minimum c'$z0:0e) --
IIalance Transfer FINANCE CHARGE: 3% of applicable transaction
(with a minimum of $5.00
and a maximum of $65.00)
Convenience Check FINANCE CHARGE 3% of a livable trannsacton
lwith a minnnu n of $5.00
and a maximum of S05.00)
Minimum FlNANCE CHARGE 51.00
(if any Finance Charge is payable tar a ,nuntlhly Whng cycle)
--
Annual Membership Fee Norte
Late Fees:
$15.00 if the New Balance is up to, hill rot !nc udm9 S250.00
$35,00 if the New Balance is $250A0 and over
However, if you already have made une Of nacre Late Payments in the prior 12 month
period, we nray charge a late lee of $35.00 regardless of the amount of your New
Balance.
Return Payment Fee 835.00
Return Convenience Check Fee $35.00
Ovedimit Fee 535.00
Administrative Fees:
Duplicate of Merchant Sale Slip $5.00
Duplicate of Monthly Billing Statement $s.00
Default Rata: Your APRs also may vary if you are in default under this Agreement or any other
agreument you have with us or any of our related companies for any of the following reasons:
• We do not receive at least the minimum payment due by the date and time due as shown
on your billing statement for any billing cycle in which a payment is owed.
• You exceed your credit line on this Account.
You fail to make a payment to another creditor when due.
• You make a payment to us that is not honored by your bank.
• To the extent allowed by law, if, at any time after your Account is closed, we demand
immediate payment of your outstanding balance and we do not receive payment within the
time we specify.
If any of these events occurs, we may increase the APRs (including any introductory or
promotional APR) on all balances up to a default rate of the Prime Rate plus 29.999'.. The default
rate will he calculated as described in the section entitled "Variable Rates",
On April 22, 2005, the Prime Rate was 5,75%, Using that Prime Rate as an example, we
estnnate. that the Daily Periodic Rate for a default rate of 1/865 of the Prime Rate plus 20.99%
world equal 0.07326% and the corresponding APR would equal 26,74%,
We may consider the following factors to determine your default rata: the length of time your
Account has been open, the existence, seriousness and timing of the defaults on your
Account; other indications of your Account usage and performance; information about your
other relationships with us or any of our related companies; and information we obtain from
consumer credit reports obtained from credit bureaus. The default rate will take effect as early
as the first day of the billing cycle following the default,
If we decide not to increase your APR even though there is a default or if we do not increase
your APR up to the maximum default rate stated above, we reserve our right to increase your
APR in the event of any future default We may in our discretion determine to charge reduced
default fates or reinstate standard rates for all or selected balances on your Account.
Closing Your Account: You may close your Account at any time. If you call us to close your
Accnunt, we pray require that you confirm your request in writing.
We may close your Account at any time or suspend your credit privileges at any lime for any
reason without prior notice except as required by applicable law. It wectose veer A. zcount, we
will not be liable to you tot aay consequences resutung from Closuog your Account or
suspending your credit privileges.
If you or we close your Account, you and any authorized users must immediately stop using
your Account and destroy all cards and Convenience Checks or return them to us upon
request. You will continue to be responsible for charges to your Account, even 0 they are made
or processed after your Account is closed and you will be required to pay the outstanding
balance on your Account according to the terms of this Agreement. In addition, to the extent
allowed by law, we may require you to pay the outstanding balance immediately or at any time
after your Account is closed.
Liability For Unauthorized Use Of Your Account; If your Card or Convenience Checks are lost
or stolen or if you are afraid someone may use your Account without your permission, you
must notify us at once. You may be liable for that unauthorized use of your Account. You will
not be liable for unauthorized use that occurs after you notify Cardmember Service, by writing
to us at PO. Box 15201, Witrnington, DE 19850-5201, or verbaliy by calling us at 1-800-945-
2006, of the loss or theft of your Card or Convenience Checks or the possible unauthorized use
of your Account. In any case, your maximum liability is $59.00. We may terminate or limit
access to you Account it you have notified us or we have determined that your Card or
Convenience Checks may have been lost or stolen, or that there may be unauthorized access
to your Account.
Inquiries Or Questions: You may address any inquiries or questions which you have about
your Account to: Cardrnernber Service, P.O. Box 15201, Wilmington, DE 19850-5201, of you
may call us at 1-800-945-2006. If you telephone us instead of writing, you may lose certain
rights the law gives you to dispute billing errors (see "Your Billing Rights").
ILLINOIS CARDM£MBERS: INFORMATION SHARING; Our Privacy Policy, which you have
received, describes our information sharing practices and gives directions on how to opt out,
or direct us to limit the sharing of personal information about you with companien or
:c,•a;tiz.: icrrs?r:is .. ;:'r oar fa?,iiiy??;;.wmpanic:,.
Illinois law provides that we may not share information about you with companies of other
organizations outside of our family of companies unless you authorize the disclosure or unless
the disclosure falls under another exception in the law (such as sharing information to process
your transactions or in response to a subpoena). You hereby agree that, if you choose not to
exercise the opt out described in out Privacy Policy, you will be deemed to have authorized us
to share personal information we have about you (including information related to any of the
products or services you may have with any of our companies) with companies or other
organizations outside of our family of companies.
Exhibit
It B 11
Statement for account number 4266 9020 1285 6298
New Balance Payment Due Date Past Due Amount Minimum Payment
52216.18 01/18/09 $23.00 $262.18
Make your check payable to.
Chase Card Services.
$ F_ Please write amount enclosed
New address or e-mail? Print on back
426690201285629800026218002216180000001
15597 8Ex Z 35908 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPFNSBURG PA 17257-9663
Lrrlllrrrlrrl,IrltlrLrr161rrdLrdlrrrrlLrJrlJl,rrILJ
?rz REWARDS'
CARDNIEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
45000L60281: L8420L285",i298211•
Opening/Closing Date: 11/25/08 - 12/24108 CUSTOMER SERVICE
Payment Due Date.
'J151JE REWARDS
D 01 /18/09
2
8
2 In U S. 1-800-300-8575
Q
Minimum Payment
ue: .1
$
6 Espanol 1-888-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
1-3C2-594-8200
VISA ACCOUNT SUMMARY Account Number : 4266 9020 1285 6298
ACCOUNT INQUII tIES
Previous Balance $2.228.22 Total Credit Line $2.000 P 0 Box 15298
Payment. Credits -$2100 Available Credit $0 Wilmington, DE 19850-5298
Finance Charges +$10.96 Cash Access Line $400
New Balance $2,216.18 Available for Cash $to PAYMENT ADDRESS
P 0. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www.chase.com/disney
? It's fast. FREE and secure'
? Pay your bill & much more.
DISNEY DREAM REWARD DOLLARS®
Balance from last statement 0
Reward dollars earned from net purchases 0
Reward dollars transferred to Rewards Card 0
Remaining balance 0
Your account is past due, therefore rewards earned this period have not been
posted to your account. Please make the minimum payment due immediaWk, In
avoid forfeiture of rewards.
The terms and conditions of the Disney Rewards& Program apply to the use of
Disney Dream Reward Dollars& and may be modified by Chase or Disney
Rewards, LLC at any time. Your account must remain in good standing to earn or
request redemption of Disney Dream Reward Dollars. Disney Dream Reward
Dollars are non-transferable, have no cash or monetary value and cannot be used
towards payment at unauthorized locations and payment of an outstanding balance
on your Disney Rewards& Visa& Card. Please call 1-800-300-8575 to request that
your Disney Dream Reward Dollars be transferred to a Rewards Card or if you
have any questions about the Disney Rewards Program.
TRANSACTIONS
Please call 800-300-8575 to redeem your
Disney Rewards(R) or if you have any questions
about the Disney Rewards® Program.
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Trans
Date Reference Number
Merchant Name or Transaction Description Amount
Credit Debit
12110 13453450800005536832382 Payment. - Thank You $23.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases 01644% 6.00% $1,770.68 $8.73 $0.00 $0.00 $8.73
Cash advances .01644% 6.00% $451.35 $2.23 $0.00 $0.00 $2.23
Total finance charges $10.96
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage
This Statement is a Facsimile - Not an original
0000001 FIS33336 C 4 000 N Z 24 081224 Page : "t ?. 06212 'NA MA 155W 159100000400015597W
X 0044
Address Change Request
Please provide information below only if the address information on from a incorrect.
Street Address. -__----_------------____
City. -------------
State --
Zip. ----- -----
Home Phone ----
Work Phone --- --- ----
E-mail Address -------_----_
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement
Advisors are always available to assist you. You can reach an Advisor by
pressing 0 after you enter your account number
Crediting of Payments: For payments by regular U. ti. mail. send at least your
turn[ inum payment due to our post office box designated for payments shorn
on this statement Your payments by mall must comply with the instructions
on this statement and must be made by check or money order, payable in
U.S. Dollars, and drawn on or payable through a U S. financial institution or
the U S. branch of a foreign financial institution Co not send cash- Write your
account number on your r,.heck or money order. Payments must be.
accompanied by the payment coupon in the envelope provided with our
address visible through the envelope window. the envelope cannot contain
more than one payment or coupon. and there can be no staples, paper clips.
tape ar correspondence included vnth your payment If your payment is in
acrordance with ourpayment instructions and is made available to us on any
day except December 25 by 1 pm. local time at our post office box
designated for payments on this statement, we will credit the payment to your
account as of that day. If your payment is in accordance with our payment
instructions, but is made available to us after 1 00 p.m. local time at our post
office box designated for payments on this statemert, we will credit it to your
account as of the next day. If you do not follow our payment instructions or it
vour payment is not sent by regular U.S. mail to our post office box
designated for payments, crediting of your payment may be delayed forup to
5 days Payments made electronically through our automated telephone
service. Customer Service advisers. or our web site will be subject to any
processing nines disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report information
about your account to credit bureaus. Late payments. missed payments or
other defaults on your account may be reflected in your credit report. If you
think we have reported inaccurate information to : credit bureau, you may
wnte to its at the Cardmember Service address listed on your billing
statement Notice About Electronic Check Conversion. When you provide a
rter:k as payment. you authorize us either to use information from your check
to make a one-time electronic fund transfer from your account or to process
the payment as a rheck transaction. When we use information from your
check to make an electronic fund transfer, funds may be withdrawn from your
eorount as soon as the same day we receive your payment, and you will not
receive your check back from your financial institution. Call the customer
service number on this statement it you have questions about electionlc
check collection or do not want your payments collected electronically.
Conditional Payments: Any payment check or other form of payment that you
send us for less than the full balance due that is marked 'paid in full" or
concdns a similar notation, or that you otherwise tender in full satisfaction of
a disputed amcunr, must be sent to Card Services, BO- Box 15049,
Wilmington. DE 19850-5049. We reserve all our rights regarding these
payments (e.g.. ii it is determined there is no valid dispute outlay such check
is received at any other address, we may accept the cheek and you will still
owe amt remaining balance, We may rstuse to accept any such payment by
returning it to you, not cashing it or destroying it. At other payments thatyou
make should be sent to the appropriate payment address-
Annual Renewal Notice: If your account has an annual fee it will be billed
each year or in monthly installments. whether or not you use your account,
and you agree to pay it when billed The annual fee is non-refundable unless
you retire us that you wish to close your account within 30 days of the date
we mad ,,our statement on which the annual fee is charged and at the same
time you pay your outstanding balance in full. Your payment of the annual fee
does not affect our rights to close your account and to hunnyour right to make
transactions on your account. If your account is closed by you or us. we will
continue to charge the annual fee until you pay your outstanding balance in
full and termnete your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately for
each feature (e -g , balance transfer/convenience checks and cash advance
checks ('check transaction')- purchases. balance transfers, cash advances,
pionhobonal balances or overdraft advances). Please consult your
Cardmember Agreement for the features that are applicable to your card
These calculations may combine different categories with the same daily
penodic rates. If there is a 'V" next to a periodic rare on this statement. that
rate may vary. and the index and margin used to determine that rate and its
:orresponding APR are descubed in your Cardmember Agreement. as
amended. There is s, minimum finance charge in any billing cycle in which you
one any periodic finance charges. and a transaction finance charge to; each
balance transfer, cash advance. or check transaction in the amounts stated in
vour Cardmember Agreement, as amended.
To get the daily balance for each day of the current billing cycle. we take the
beginning balance for each feature. add any new transactions or other debits
rncludiny fees. unpaid finance charges and other charges). subtract any
payments or credits. and make other adjustments Transactions are added as
of the, transaction date. the beginning of the billing cycle in which they are
postal :a your account or a later date of our choice (except that check
t+aneacrai are added as of the data deposited by ire payee ore later date of
our choice;. fees are added ertheron the date ofa related transaction. the date
.hey are posted to your arcorlnt. or the last day of the billing cycle. This gives
,is that days daily balance. A clefil balance is treated as a balance of zero If
o daily p=riodre rate applies to any leases. !rte multiply the daily balance by the
dads periodic rate to get ,,our periodic °nanoe changes for that day We then
affil these pencdre finance charges to your dadv fa-ance to get the beginning
balance for the next day In more than one dada penodic rate could apply
based on the average daily balance !°re !will use the daily periods rate that
applies for the average dally balance amount at the end of the billing cycle to
calculate the dally periodic finance charge each dry.)
to get your total periodic tman,e charge for a billing I.yde when a flatly
periodic ateis) applies ice add of ofihe daily, periodic finance charges for all
Lean ws To determine. an average Ydy balance ,ve add your dally balances
and divide by the number of the days m the applicable billing cycloid. It you
mudtply the average daily balance for each feature by the applicable daily
paro h rare, and then multiply earn of these resllts by the number of days
in the applicable billing cvrle(sj, and then add all of the results together. the
total will also equal the periods friti charges for the billing cycle. except
for minor variations due to rounding To get your total periodic finance charge
for a billing cycle when a monthly periodic rate(s) applies, multiply the
average daily balance for ea;h femurs L,v the applicable monthly periodic rate
and add the results together Th= total rrrill equal the periodic finance charges
for the billing cycle. except for minor variations due to rounding.
Grace Period fat least 20 days): We Decree penodic finance charges on a
:.ansaction, fee. or finer, „ from the date it is added to your daily
balmec, , ...' payment fn hll, - -1 on your account. However. we do not
charge periodic finance cha«;e: or r, Y purchases billed during a billing rjtne
if we receive both payment of your Nov Balance on your current statement by
the date and i e y„dr payment is due and also payment of your New Balance
on your previous statement by the date and time your payment was due.
There is no grace period for balance transfers. cash advances. check
transactions, or overdraft advances.
In addition, if there is a Ouadnying Promotional financing' section on this
statement you will not incur periodic finance charges on any Remaining
Balance that appears in that section if you pay that balance in full by the
applicable Expiration Date. However. it you default under the terns of your
Caidduembei Agreement or any Ouafitying Promotiona Financing offer the
applicable penodic, lnance charges tnll accrue on any P malting Balance as
soon as the billing cycle in whidi the default occurs. To a gold finance charges
on few purchases uvhen your Neet Balance includes any Remaining
Balance(s) in the Ouallfying Promotional Financing section. pay your full New
Balance minus the total of those Remaining Balancel,s,i by the date and time
your payment is due. Howevei. if vomr statement shoms thata minimum
payment is due, we must receive at least that mlnimnm payment by the date
and time specified on your statement. even if your New Balance consists only
of Qualifying Promotional Financing haiances
for tarried +.merest Ouahhnng Promotional financing. penodic finance
charges accne during the prorrouonal period brit are not added to your
account balance Instead, they accumulate from billing cycle to billing cycd,e
If If deferred 'Interest Oualifyiny Piomononal Financing balance is not paid in
full by the applicable Expiration Date, the deferred trance charges will be
added to your account as soon as the hist day after the Expiration Date.
Further if you default under the terms of your Cardmember Agreement. If,.
deferred Imam Ce charges !null he added to your arcouet es soon as the date of
default.
For "fixed payment' Onalifyicg Promotional Financing that pemitsyou to pay
fora purchase in a designated number of payrnen:s, you :will not have a grace
period for that balance as each payment includes a portion of the interest
otaed over the repayment tuna for that purchase However. you will have a
grace, period on other new pmcnases as described above
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: IfyoU think your bit is wrong
or if you need more information about a transaction on your bil'- virile
Cardmember Service on a separate queer at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible We must hear from you no later than 60
days after we sent you the first bill en which the error or problem appeared.
You ran telephone us. but doing so will notpreserve your rights. In your letter.
give as the following information
• Your name and account number
• The JJh., anhount of the suspected error
• Describe the error and explain if you can why you beleve there is an error
If emu need mot.. information. descrit?e the item you are unsure about.
You do not have to pay any arnormt in question while we are Investigating, but
you are still obligated to pay the parts of your bill that are not in question
While we investigate your question. 4A cannot report you as delinquent or
take action to collect the amount you question It you have authorized us to
pay your credit card bill automarically read your savings or checking account.
yon can stop the payment on any amount you think is wrong. To stop the
payment your letter or call fusing the Cardmember Service address or
telephone number shown on this statement) must reach us at least three
business days before the automatic payment is scheduh d to occur.
Special Rule for Credit Card Purchases: It you have a problem with the
quality of goods a,servico° "tat you ouruhased ra?ith a e,edit card (excluding
purchases made with a the - i and you have tried in good faith to correct the
problem with the ;nerchant i may not have he pay the remaining amount
due on the goods or e=, You have this protection only when the
pun hose price ?)2s morn-:1 and the purchase vas made in your home
state or within 100 mile, r, Law mailing address. These limitations do act
appl It rraa own or o,:er > the merchant ar rf,venarledl you the
ail verrisemen! for the, woaerU cr sir/I' s
MA03070H
Statement for account number: 4266 9020 1285 6298
New Balance Payment Due Date Past Due Amount Minimum Payment
$2.204.44 02/18/09 $23.00 $250.44
. Make your check payable to:
Chase Card Services.
Please write amount enclosed.
New address or e-mail? Print on hack
426690201285629800025044002204440000009
07721 6Ex Z 02409 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
I?1sNvr REWARDS'
Ir„III,I„I,rlrlrrlrrll,r,lrl,r„Ilrl,lrrrllrrl,l,r,ll,rll,rl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
I: 5000 1,60 281: 18L. 20 l 28 5 6 2 98 211'
O
ISNEr Opening/Closing Date.
Payment Due Date:
REWARDS Minim
m P
m
nt D 12/25/08 - 01/24/09 CUSTOMER SERVICE
02/18/09 In U.S. 1-8G)-300-8575
$250
44
I u
ay
e
ue .
Espanol 1-883-446-3308
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
Outside U.S. call collect
VISA ACCOUNT SUMMARY Account Number: 4266 9020 1285 6298 1-302-594-8200
Previous Balance $2,216.18 Total Credit Line 000 ACCOUNT INQUIRIES
$2
Payment, Credits -$23.00 Available Credit .
$0
P.O
15298
Finance Charges
+$11.26 Cash Access Line Wilmington. . DE 1
$400 Wilmingtonn. DE 9850-5298
New Balance $2,204 A4 Available for Cash $0 PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
VISIT US AT:
www. chase.com/disnev
? It's fast. FREE and secure!
? Pay your bill & much more.
DISNEY DREAM REWARD DOLLARS@
Balance from last statement p-
Reward dollars earned from net purchases 0
Reward dollars transferred to Rewards Card 0
Remaining balance 0
Your account is past due, therefore rewards earned this period have not been
posted to your account. Please make the minimum payment due immediately to
avoid forfeiture of rewards.
The terms and conditions of the Disney Rewards® Program apply to the use of
Disney Dream Reward Dollars AO and may be modified by Chase or Disney
Rewards, LLC at any time. Your account must remain in good standing to earn or
request redemption of Disney Dream Reward Dollars. Disney Dream Reward
Dollars are non-transferable. have no cash or monetary value and cannot be used
towards payment at unauthorized locations and payment of an outstanding balance
on your Disney Rewards@ Visa@ Card. Please call 1-800-300-8575 to request that
your Disney Dream Reward Dollars be transferred to a Rewards Card or if you
have any questions about the Disney Rewards Program.
TRANSACTIONS
Please call 800-300-8575 to redeem your
Disney RewardsO or if you have any questions
about the Disney Rewards@ Program.
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Trans
Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
01/10 10110100800005536832400 Payment - Thank You $23.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases 01644% 6.00% $1,756.88 $8.95 $0.00 $0.00 $8.95
Cash advances .01644% 6.00% $453.62 $2.31 $0.00 50.00 $2.31
Total finance charges
$11.26
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 FIS33335 C 4 000 N 24 09/01124 Page 1 of 1 06272 MA MA 0772' 02310000040000772101
X 0044
Address Change Request
Please provide information below only if the address information on front is incorrect
Street Address: ___----_--------------
City . --__-- -
State --
Zip ----- -----
h'.ome Fhone: ----
'NOrk Phone --- --- ----
Email Address. ---------------------------
7
L
Information About Your Account
Lost or Stolen Cards: Please report your lost or stolen card immediately by
calling the Customer Service number found on the front of your statement
Advisors are always available to assist you. Yon ran reach an Advisor by
pressing 0 after you enter your account numbet r.
Crediting of Payments: For payments by regular U. mail. send at least your
mimmurn payment due to our post office box desigrated for payments shown
on this statement. Your payments by mall must comply with the instructions
on this statement and must be made by check or money order, payable in
U.S. Dollars. and drawn on or payable through a U.S. financial institution or
the U.S branch of a foreign financial Institution Do not send cash Write yon
account number on your check or money order. Payments must be
accompanies by the payment coupon in the envelope provided with our
address visible through the envelope window, the envelope cannot contain
more than one payment or coupon, and there can be no staples, paper clips.
tape or correspondence included with your payment. It your payment is in
accordance with ourpayment Instructions and is made available to its on any
day except December 25 by 1 pm. local time at our post off ice box
designated for payments on this statement, we will credit the payment to your
account as of that day. If your payment is in accordance with our payment
instructions. but is made available to us after 1.00 f.in . local time at Our post
office box designated for payments on this statement. we will credit it to your
accoont as of the next day. If you do not follow our aayment instructions or If
your payment is not sent by regular U.S. mail to our post office box
designated for payments. crediting of your payment may be delayed (crap to
5 nays. Payments made electronically through cur automated telephone
service- Customer Service advisors. or our web site will be subject to any
processing tr ines disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report information
about your account to credit bureaus. Late payments- missed payments or
ether defaults on your account may be reflected in your credit report . If you
think !,rte have reported inaccurate information to a credit bureauh you may
,vita to us at the Cardmember Service address listed on your billing
statement Notice About Electronic Check Qonvels.on. When you provide a
-beak as payment, you authorize us either to use information train your check
to make a one-time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information from your
check to make an electronic fund transfer funds mar be withdrawn from your
account as soon as the same day we receive your flayment and you will not
mcurve your check back from your financial institution. Call the customer
service number on this statement if you have questions about electronic
cheek collection or do not want your payments departed electronically.
Conditional Payments: Any payment check or other form of payment that you
send us for less than the full balance due that is marked "paid in full` or
contains a similar notation, orthat you otherwise order in full satisfaction of
a disputed amount. must be sent to Card Services, P.O. Box 15049.
Wilmington. DE 19850-5049 We reserve all ou- rights regarding these
payments la g.. if it is determined there is no valid a;pute or if any such check
co received at any ether address, we may accept the check and you will still
owc any remaining lbdanee). We may refuse to accept any such payment by
returning it to you- not cashing it or destroying it. All other payments that you
make should be sent to the appropriate payment adliess.
Annual Renewal Notice: If your account has an annual fee. it vvill be billed
each year or In monthly installments. whether or not you use your account,
and you agree to pay it when billed. The annual fee is non-refundable unless
you notify us that you wish to dose your account within 30 days 11 the date
we [nail your statement on which the annual fee is charged and at the same
time you pay your outstanding balance fit full. Your payment of the annual fee
does not affect our rights to [,lose youraceount and to hinityour right to make
hansacrons on your account. It your account is closed by you or I, s. we will
-onnnue to charge the annual fee until you pay your outstanding balance in
full and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement. separately for
each feature (e g.. balance transferlconvemenee cracks and cash advance
checks , check transaction`). purchases. balance transfers, cash advances.
promotional balances or overdraft advances) Please consult your
Cardmember Agreement for the features that are applicable to your card.
These calculations may combine different categories with the same daily
penodie rates. If mere is a -V° next to a periodic rave on this staremenI that
l atr, may vac/. and the index and margin used to determine that rate and its
coiraspondmq APR are described in your Caidmembef Agreement as
amender(. There s a minimum finance charge in any billing cycle in vitinh you
owe any periodir finance charges. and a transaction finance charge for earh
balance transfer cash advance. or check transaction. in the amounts stated in
tour Cardmember Agreement, as amended.
Ic yet the dally balance for each day of the current billing cycle. vie take the
beginning balance for each feature. add any new transactions or other debits
imt9uding tees. unpaid finance charges and other c:harges). subtract any,
payments or creditsand make other adjustments. Transactions are added as
A the ornsacton date. the beginning of the bill'mc cycle in which they are
:0stad to your account. or a later date of our choire (except that check
ort,nctions are, added as of the date deposited by the payee or a later date of
w choirw)_ reel are added alther on the date of a related transaction. the date
they are posted layout account. or the last day of the billing cycle. This gives
us that days daily balance. A credit balance is treated as a balance of zero If
daily parodic rate applies to any feature, we multiply the dally balance by the
!ary periodir rate to get your penodie finance charges for that day We then
add these periodic finance charges to your daily balance to get the beginning
balance for the next day If more than one daily periodic rate could apply
based on the average daily boanrc. ve will use the dally periodic fate that
applies for the average daily balance amount ad the end of the billing cycle m
?;alculato the daily pebodic financ3 charge each day.!
To get your toral per'odic fiance charge for a billing cycle when a daily
pe,iodi, ?.at applies we std all of the daily periodic, finance charge, for all
6 two To I-I rmine an average daily balance, we add your daily balances
and dry I by the number of the it aV, in the applicable billing cycle(s). If you
multiply the average daily balance for each feature by the applicable dally
pcoodir rate, and (hen multiply earh of these results by the number of days
in the applicable billing cycles} and then add all of the results together the
total will also equal the pea odic finance charges for the billing cycle. except
nor minor variations due to rounding To get your total periodic finance charge
for it ouraiy cycle vahen a monthly ueriodie rate(s) applies, multiply the
average daily balance for each feature by the applicable monthly periodic sate
and add the serifs together The toga will equal the periodic finance charges
for the billing cycle, except lot mural variations due to rounding.
Grace Period (at least 20 days): We ac-,rue periodic finance charges on a
transaction. fee. or finance charge ham the date it is added to your daily
balance until payment in Mil's received on your account. However. we do not
(:ha ige inspo licfinance charges on new Unwhases billed daring a billing cycle
if we receive both payment of your Ne,a Balance on your current statement by
the date and time your payment is dire and also payment of your New Balance
on your previous statement by the date and time your payment was due.
there is no grace period for balance transfers cafh advances, check
transactions. or overdraft advances.
In addition, if there is a 'Ouahfying Promotional Financno section on this
statement. you will not incur periodic finance ?:harges on any remaining
Balance that appears in that section if you pay that balance in full by the
applicable Expiration Date. Hol level if you default under the terns of your
Cardmember Agreement or any Oualdyino Promotional Thef rig offer, me
applicable penodlo finance cnarges r,tlll - ? e or any Remaining Balance as
Boor as the billing f ycl, n -Mein the - nt or us.To avoid finance charges
on new ourhases v;Il ,cur V..,:,r balance includes any Remaining
Balances) in the Qualifying Promotional financing section. pay your full I
Balance mi u., tire. total of those Remaining Balance(s) by the date and time
your pavment is due. However h your statement shows that a minimum
payment is due It must raceiwe at leas[ that minimum payment by the date
and time specified on your statement. even if your New Balance consists any
of Qualifying Promotional Financing balances.
to, 'deferred rnteresY Oualill Promotional rmancing, periodic finance
charges accme during the promotional period but are not added to your
account balance. Instead, they accwnulale train billing cycle to billing cyck.
If a deferre d interest 0ualifyaIa Promotional Financing balanc. Is not paid m
full by the applicable Expiration Date. the deferred finance charges will be
added to your account as soon as tire first day aher the Expiration Date
Further _ if you default under the terms of your Cardmember Agreement toe
deferred finance chi ge s siren be and=d to your account as soon as the date of
default
For fixed payment" Oualhving promotional Financing that permits you to pay
for a purchase in a designated number of payments, you will not have;, grace
period for that balance as each payment includes a portion of the interest
owed over the repayment t,mi for that purchase Horroever. you !mill have a
gars period on other new uir,hises as described above.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you thmk your bill is wrong.
cr it you need more mfornanon about a transaction on your bill write
Cardin-- : Service on a separate sheet at P.O. Box 15299 Wilmington. DE
19850-5299 as soon as possible. We must hear from you no later than 60
days after we sent you the firsl bill on which tire, error or problem appeared.
You ran teic,:-,i, but doing so rail! not preserve year rights. In Vow letter.
give is the following information
• Your name and account manner
• The dollar amount of the. snspeclP1 error
• Describe the error and explain, if you can. rvhy you believe there is an erio::
If you need more information. describe the item you are unsure about
You do not have to pay any amount in question while ve are investigating. but
you are still obligated to pay the parts of your bill the' are not in question.
While Vre investigate your question, r.ve cannot report ;u as delinquent cr
take action to collect the amount you rli,testion If you h ve authorized us to
pay your credit card bill au toioabazl rv from your savings or checking account
you ran stop the payment on any amount you think is wrong. to stop the
paviner,t. your letter or call iusrng the Cardmember Service address or
telephone number shown on This statement) must reach us at least three
business days before the automatic payment is scheduled to occur.
Special Rule for Credit Card Purchases: It veil have a problem with me
rptality of goods or Son v. that yeu:wchased with a credit card texcluding
purchases made ire a -t h,, . and y c hied in goad faith to correct the
pn: brom with the nrerohanl if fir t n H have to pay the remaining amount
,life. on the goods or sal. Yom have Inc, protertion only when the
ire ha price,nrss mina than. a- 0 and the purehzse,vas made in your home.
"tat-, or within 100 rmles of yo rr re, rr mq addle h,se limitations do not
apply it we Omni o: opt the i ,rchan r If w=. mailed you the
orivellserlem fo file pnp"i", r r -e rtes
MAKW Oli
Payment Due Date New Balance Past Due Amount Minimum Payment
1 03/21 /09 $2,192 64 I ;123.00 $238.64
Account number: 4266 9020 1285 6298
Make your check payable to:
Chase Card Services.
Please write amount enclosed.
New address or e-mail? Print on back
426690201285629800023864002192640000003
47924 3EX Z 05509 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SH.'PPENSBURG PA 17257-9663
IrrJILrJrrlrlrlrLlrrrllrLrrlLrrllrrrrlLrrLLllrrrllrrl
1: 5000 160 281: 184 20 1 28 56 298 2110
REWARDS'
Statement Date.
01/25/09 - 02/24/09
Minimum Payment: $238.64
Payment Due Date: 03121/09
? 1161,64 REWARDS
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
ACCOUNT SUMMARY VISA Account Number: 4266 9020 1285 6298
Previous Balance $2,204.44 Total Credit Line $2,000
Payment, Credits -$23.00 Available Credit $0
Finance Charges +$11.20 Cash Access Line $400
New Balance $2,192,64 Available for Cash $0
Manage your account online:
w.nnv_cha ;e. com/disney
Additional contact information
conveniently located on reverse side
DISNEY DREAM REWARD DOLLARS@
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney Rewardst> of if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewardsre? Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description I Amount
02110 Payment - Thank You -2100
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .01644% 6.00% $1,742.80 $8.88 $0.00 $0.00 $8.88
Cash advances .01644% 6.00% $455.94 $2.32 $0.00 $0.00 $2.32
Total finance charges $11.20
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method. grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
IMPORTANT NEWS
We are bringing you clear and simple' Take a
look at the new format of your statement - we hope you
find it easier to read- It still has everything you need on
the front and back, with information simply displayed.
This Statement is a Facsimile - Not an original
0000001 PS3333F C 4 000 N Z 24 091021[4 Page 1 at 1 06272 MA AAA 47924 i 55100100400047W401
X 0044
Address Change Request
Please provide information below only if the address information on front is incorrect
Street Address: -_-----_--------------------
City -------------------
State --
Zip ----- -----
Home Phone: --- ---- ----
Work Phone --- -
E-mail Address -------__-------------------- --
To contact us regarding your account:
/ By Telephone:
` 1 )
; \\ /?
In U.S. 1-800-300-8575
Espanol 1-888-446-3308
TOO 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website:
Pay by phone l-800-436-7958 P.O. Box 15298 P.O. Box 15153 www. chase. cord/dlsney
Outside U.S call collect Wilmington, DE 19850-5 298 Wilmington, DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by regular U.S. mall, send at
least your runimurn payment due to our Payments address shown
on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money
order. payable in U.S Dollars, and drawn on or payable through a
I1 S financial institution or the U S. branch of a foreign financial
institution. Do not send cash. Write your account number on your
check or money order- Payments must be accompanied by the
payment coupon in the envelope provided with our address visible
ihrdogh the envelope windovw. the envelope cannot contain more than
one payment or coupon: and there can be no staples, paper clips, tape
or correspondence included with your payment. If your payment is
in accordance with our payment instructions and is made available
o us or) any day except December 25 by 1:00 pm. local time at our
payments address on this statement we will credit the payment to
your Account as of that day. If your payment is in accordance with
our payment instructions, but is made available to us after 100 p.m.
local time at our Payments address on this statement, we will credit it
to your account as of the next day. If you do riot follow our payment
ihshuchons or if your payment is not sent by regular U.S. mail to
cur Payments address. crediting of your payment may be delayed for
up to 5 days. Payments made electronically through our automated
telephone service. Customer Service advisors, or our web site will be
subject to any processing times disclosed for t'nose payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments
missed payments or other defaults on your account may be reflected in
your credit report . If you think we have reported inaccurate information
to a credit bureau, you may write to us at the Irquiries address shown
on this statement.
Notice About Electronic Check Conversion: When you pay by check
you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information
hour your check to make an electronic fund transfer, funds may be
withdrawn from your account as soon as the same day we receive your
payment. and you will not receive your check back from your financial
institution. Call the Customer Service number on this statement it you
have questions about electronic check collection or do not want your
payments collected electronically.
Conditional Payments: Any payment check or other form of payment
that you send us for less than the full balance due that is marked "paid
in full" or contains a similar notation, or that you otherwise tender in
full satisfaction of a disputed amount, must be sent to Card Services,
o 0 Box 15049 Wilmington DE 19850-5049 We reserve all our
rights regarding these payments (e.g., if it is determined there is no
valid dispute or if any such check is received at any other address, we
may accept the check and you will still owe ary remaining balance).
We may refuse to accept any such payment by returning it to you. not
cash!ng it or destroying it. All other payments that you make should be
sent to the regular Payments address shown on this statement
Annual Renewal Notice: If your account has an annual fee. it will be
haled each year or in monthly installments. whether or not you use your
account. and you agree to pay it when billed. The annual fee is non-
mlurcmau unless you notify us that you wish to close your account
wnhrn 30 days of the date we mail your statement on which the annual
lee is charged and at the same time. you pay your outstanding balance
it h:i.! Your payment of the annual fee does riot affect our rights to
close your account and to limit your ought to make transactions an
your account. It your account is closed by yet, or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
and terminate your account relationship
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement, separately
for each feature (e.g..balance transfer/convenience checks and cash
advance checks ('check transaction'), purchases, balance transfers
cash advances, promotional balances or overdraft advances). These
calculations may combine different categories with the same daily
per iodic rates- If there is a "V" next to a periodic rate on this statement.
that rate may vary, and the index and margin used to determine that
rate and its corresponding APR are describe[' in your Cardmember
Agreement- as amended. There is a minimum finance charge in any
billug cycle in which you owe any periodic Lnance charges. and a
transaction finance charge for each balance transfer. cash advance,
or check transaction. in the amounts stated in your Cardmember
Agnomen:. as amended.
o get the daily halaece (or each day of the current ofloing cycle,
we take the beginning balance for each feature. add any new
transactions or other debits (including fees, unpaid finance charges
and other charges). subtract any payments or credits, and make other
adjustmenti, r,a^sactions are added as of the transaction date, the
hegmning of the billing cycle in which they are posted to your account,
or a later date of our choice (except that check transactions are added
as of the date deposited by the payee or a later date of our choice)- Fees
are added either on the date of a related transaction, the date they are
posted to your account, or the last day of the billing cycle. This gives
its that day s daily balance A credit balance is treated as a balance of
zero If a daily periodic rate applies to any feature, we multiply the daily
balance by the dally periodic rare to get your perioiic finance charges
for that day. We then add these periodic finance ch rges to your daily
balance to get the beginning balance for the next day (h more than one
daily periodic rate could apply based on the average daily balance, we
swill use the daily periodic rate that applies for the average daily balance
amount at the ena of the billing cycle to calculate the daily periodic
finance charge each day )
To get your total periodic finance charge for a billing cycle when a
daily periodic rate(s) applies, ove add all of the daily periodic finance
diarges for all features. To determine an average daily balance. we
add your daily balances and divide by the number of the days in the
applicable billing cycle(s). If YOU HILInPly the average daily balance for
each feature by the applicable daily petiochu rate, and then multiply
each of these results by the number of days in the applicable billing
cycle(s), and then add all of fire results together. the total will also
equal the periodic finance charges for toe billing cycle, except for
minor variations due to rounding To get your total periodic finance
charge for a billing cycle when a monthly periodic rate(s) applies,
mulliply, the average daily balance for each feature by the applicable
manthly periodic rate and add the results together. The total will equal
the periodic finance charges for the billing cycle. except for mincr
variations due to rounding.
Grace Period (at least 20 days): We accrue periodic finance charges
on a transaction fee. or finance charge train the date it is added to
your daily balance until payment in full Is received on your account
However, we do not charge period,.c finance charges on new purchases
billed during a billing cycle if we receive both payment of your New
Balance on your current statement by the date and time your payment
is due and also payment of you, New Balance on your previous
statement by the date and time your payment was due- There is no
grace period for balance ransfers, cash advances. check transactions.
or overdraft advances.
BILLING RIGHTS SUMMARY
In Cas^ ^r Errors or Questions About Your Bill: If you think your bill
is wrong. or if you need more information about a transaction on your
bill. write Customer Service on a separate sheet at P 0 Box 15299
Wilmingto Dc !850-5299 as soon as possible. We must hear from
you no later than 60 days alter we sent you the first bill on which the
error or problem appeared. You can telephone us, but doing so will not
preserve your rights. In your letter give us the following information
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can. why you believe there is
an error It you need more umformahon. describe the item you are
unsure about
van do riot have to pay any amount in quest in while we are
investigating but you are still obligated to pay the parts of your bill
that are not in question- While we investigate your question, we
cannot report you as delinquent or take action to collect the amount
you question. If you have, outhroized us to pay your credit card bill
automatically from your savings or checking account. you can stop the
payment on any amount you think is wron( - i - To stop the payment your
letter or call (using the inquiries address or Customer Service telephone
number shown on this statement) must reach us at least three business
days before the automatic payment is scheduled to occur
Special Rule for Credit Card Purchases: If you have a problem with
the quality of goods at services that you purchased with a credit card
(excluding purchases trade, with a check), and you have tried in good
'aith to correct fine problem with the merchant you may not have to
pay the remaining ar itt due on the goods or services. You have this
piotectlon only when the purchase price was more than S50 and the
purchase was nmade in your home state or vith,n 100 miles of your
trailing address. These Iimitahons do not apply :f vie own or operate
the merchant.. of d sve mailed you the advertisement for the property
or services.
`.41111703
Payment Due Date New Balance Past Due Amount Minimum Payment
]23.00 $225.70
1 04118109 :1 $2.779.70 E
Account number: 4266 9020 1285 6298
Make your check payable to,
. Chase Card Services.
Please write amount enclosed
New address or e-mail? Print on back.
426690201285629800022570002179700000008
58049 BEX Z 08309 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
I: 5000 160 Hill: i84 20 1 28 56 298 211'
,i'Iwwrx REWARDS'
Q,)fsm 0 REWARDS'
I,, , I I I, I„1,.1,1,.1,,11„.I, I, .„I l r 1, 1, t, l 1, r 1, 1, t r l 1, r l l„ I
Statement Date.
02/25109 - 03/24109
Minimum Payment: $225.70
Payment Due Date: 04118109
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
ACCOUNT SUMMARY VISA Account Number: 4266 9020 1285 6298
Previous Balance $2,192.64 Total Credit Line $2.000
Payment, Credits -$23.00 Available Credit $0
Finance Charges +$10.06 Cash Access Line $400
New Balance $2,179.7 Available for Cash $0
70
Manage your account online:
www. the ;e. comldi-sney
Additional contact information
conveniently located on reverse side
DISNEY DREAM REWARD DOLLARS®
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney Rewards® or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
03(10 Payment - Thank You -23.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Conesp. Average Daily Due To Fee I Accumulated FINANCE
Category 28 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .01644% 6.00% $1,727.01 $7.95 $0.00 $0.00 $7.95
Cash advances .01644% 6.00% $45815 $2.11 $0.00 $0.00
$2.11
Total finance charges $10.06
Effective Annual Percentage Rate (APR): 6,00%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category
.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage
This Statement is a Facsimile - Not an original
1)0f10001 FIS33336 C 4 000 N Z 24 09103/24 Page 1 of 1 06272 MA MA 58049 3310000040005804901
X 0044
Address Change Request
Please provide information below only if The address information on front is incorrect
Street Address:
-------__------------------
City ------------ ---
State --
`'ip ----- ----
Home Phone. -
VVork Phone. --- --- -----
E-mail Address. -------------- --------- --- --
L
To contact us regarding your account:
O By Telephone: S \
1-800-300-8575
Espanol 1-888-446-3308
TDD 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website:
Pay by phonel-800-436-7958 P 0 Box 15298 P O. Box 15153 www. chase. com/disney
Outside US . call collect Wilmington, DE 19850-5 298 Wilmington, DE 198865153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by regular U.S mail, send at
least your minimum payment due to our Payments address shown
an this statement. Your payments by mail cwst comply with the
instructions on this statement. and must be made by check or money
order, payable in U.S Dollars, and drawn on or payable through a
D.S financial institution or the U.S. branch of a foreign financial
instltdien. Do not send cash. Write your account number en your
check or money order. Payments must be accompanied by the
payment coupoc in the envelope provided with our address visible
through the envelope window: the envelope cannot contain more than
one payment or coupon; and there can be no staples, paper clips, tape
or correspondence included with your payment. If your payment is
in accordance with our payment instructions and is made available
to us on any day except December 25 by 1 to in local time at our
Payments address on this statement we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions. but is made available to us after 1:00 p.m.
local time at our Payments address on this statement, we will credit it
to your account as of the next day. If you do not follow our payment
instructions or if your payment is not sent by regular U-S. ma'd to
our Payments address, crediting of your payment may be delayed for
up to 5 days. Payments made electronically through our automated
telephone service.. Customer Service advisors. or our web site will be
subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments
missed payments or other defaults on your account may be reflected in
your credit report. If you think we have reported inaccurate information
to a credit bureau. YOU may write to its at the Inquiries address shown
on this statement.
Notice About Electronic Check Conversion: When you pay by check
veu authorize us either to use information from your check to make
a one-[line electronic fund transfer train your account or to process
the payment as a check transaction. When we use information
front your check to make an electronic fund transfer, funds may be
withdrawn from your account as soon as the same day we receive your
payment. and you will not receive your check back from your financial
institution. Call the Customer Service number cn this statement if you
have questions about electronic check collection or do not want your
payments collected electronically.
Conditional Payments: Any payment check or other form of payment
that you send us for less than the full balance die that is marked 'paid
in full" or contains a similar notation, or that you otherwise tender in
full satisfaction of a disputed amount, must be sent to Card Services,
P D Box 15049 Wilmington. DE 19850-5049 We reserve all our
rights regarding these payments (e.g-. it it is determined there is no
valid dispute or if any such check is received at any other address, we
may accept the check and you will still owe any remaining balance).
We may refuse to accept any such payment by returning it to you. not
cashing it or destroying it All other payments that you make should be
sent to the regular Payments address shown on this statement
Annual Renewal Notice: If your account has an annual fee., it Will be
billed each year or in monthly installments. whether or not you use your
account. and you agree to pay it when billed. The annual fee is nor,
refundable unless you notify us that you wish to close your account
rvimin 30 days of the date we mad your statement on which the annual
fee is charged and at the same time. you pay your outstanding balance
in Ira! Your payment of the annual fee does riot affect our rights to
close your account and to limit your right to make transactions on
your account. It your account is closed by you or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement, separately
for each feature (e.g .balance transfer/convenience checks and cash
advance checks ('check transaction'), purchases, balance transfers.
cash advances. promotional balances or overdraft advances). These
calculations may combine different categories with the same dally
periodic rates. If there is a "V" next to a periodic rate on this statement,
that rate may vary, and the index and margin used to determine that
rate and its ccrrespanding APR are describer in your Cardmember
Agreement as amended. There is a minimum finance charge in any
hilling cycle in which you owe any periodic finance charges. and a
transaction finance charge for each balance transfer. cash advance.
or check bansacfion. in the amounts stated in your Cardmember
Agreement as amended.
To get the daily 'valance to,, earls day of the current billing cycle,
we take the beginning balance for each feature. add any new
transactions or other debits (Including fees, unpaid finance charges
and on"-. -earges). subtract any payments or credits, and make other
adjustments. Transactions are added as of the transaction date, the
beginning of [he billing cycle in which they are posted to your account,
or a later de« or our choice (except that check transactions are added
as of the date deposited by the payee or a later date or our choice). Fees
are added either or the date of a related transaction, the date they are
posted to your account. or the last day of the billing cycle. This gives
us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges
for that day. We then add these periodic finance charges to your daily
balance to get the beginning balance for the next da. . (If more than one
daily periodic rate could apply based on the averag daily balance, vie
,vill use the daily periodic rate that applies for the av, rage daily balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each (lay.)
To get your total periodic finance charge for a billing cycle when a
daily periodic labels) applies, we, add all of the daily periodic finance
charges for all features To determine an average daily balance, we
add your daily balances and divide by the number of the days in the
applicable billing cycle(s)- II you multiply the average daily balance for
each feature by the applicable dally periodic rate, and then multiply
each of these results by the number of days in the applicable billing
evcle(s), and then add all of the results together, the total vvitl also
equal the periodic finance charges for the billing cycle. except for
minor variations due to rounding To get your total periodic finance
charge for a billing cycle when a monthly periodic rate(s) applies.
multiply file average daily balance for each feature by the applicable
monthly periodic rate and add the results together- The total will equal
the periodic finance charges For the billing cycle, except for minor
variations due to rounding-
Grace Period (at least 20 days): We accrue periodic finance charges
on a transaction fee, or finance charge from the date it is added to
your daily balance until payment in full is received on your account
However. we do not charge periodic finance charges on new purchases
billed during a billing cycle if we receive both payment of your New
Balance on your current statement by the data and time your payment
is due and also payment of your New Balance on your previous
statement by the date and time your payment was due. There is no
grace period for balance tansferc, cash advances. check transactions.
or overdraft advances.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill
is wrong. or it you need more information about a transaction on your
bit. v-i ,customer Service on a separate sheet at P.D. Box 15299
Wilmington, DE 19850-5299 as soon as possible. We must hear from
you no later Irian 50 days after we sent you the first bill on which the
error or proorem appeared. You can telephone us, but doing so will not
preserve your rights. In your letter give us the following information-
s YoUr name and account number
• The dollar amount of the suspected error
• Describe the error and explain, d you can. why you believe there is
an error It you need more information. describe the item you are
unsure about
You do not have to pay any amount in question while we are
investigating. but you are still obligated to pay thr parts of your bill
that are not in question. While we investigate , our question, we
cannot report you as delinquent or take action to collect the amount
you question. If you have authorized its to pay your credit card bill
automatically from your savings or cnecking account, you can stop the
payment on any amount you think is wrong- To stop the payment, your
letter or call (using the Inquiries address or Customer Service telephone
number shown on this statemend must reach us at least three business
days before the autoinatic payment is scheduled to occur
Special Rule for Credit Card Purchases: If you have a problem with
the quality of goods or services Thai you purchased with a credit card
(excluding purchases made with a check). and you have tried in good
faith to correct the problem with the merchant, you may not have to
pay the remaining amounl due on the goods or services. You have this
protection only when the purchase price was more than S50 and the
purchase was made in your home state or within 100 miles of your
mailing address. These limitations do not apply if we oven of operate
the merchant, or it vte mailed you the advertisement for the property
or services-
Payment Due Date New Balance Past Due Amount Minimum Payment
1 05/19109 $2,167.78 [=$23 0 $213.78
Account number: 4266 9020 1285 6298
. Make your check payable to:
Chase Card Services.
Please write amount enclosed
New address or e-mail? Prin! on back
426690201285629800021378002167780000008
20184 BEx Z 11409 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
I...IIlrululrl lrlrlnrllrlnrll,rrllnlrrlln,lrlIll rr,llpl
1: 5000 160 281: 11,81L. 20 i 28 5 P. 29a 2110
?1sn?,o REWARDS'
Statement Date:
03/25/09 - 04/24/09
Minimum Payment: $213.78
Payment Due Date: 05/19/09
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
ACCOUNT SUMMARY VISA Account Number: 4266 9020 1285 6298
Previous Balance $2,179.70 Total Credit Line $2,000
Payment. Credits -$23.00 Available Credit $0
Finance Charges +$11.08 Cash Access Line $400
New Balance $2,167.78 Available for Cash $0
R Manage your account online:
www, chase. com/disney
Additional contact information
conveniently located on reverse side
DISNEY DREAM REWARD DOLLARS@
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney Rewardsn or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards( Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due. therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
04,110 Payment - Thank You -23.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .01644% 6.00% $1,71156 $873 $0.00 $0.00 $8.73
Cash advances .01644% 6.00% $460.38 $2.35 $0.00 $0.00 $235
Total finance charges $11.08
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category
.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
gAsarD
REWARDS'
0 ____ __
Irtrlllrlrrlrrlrlrrlttllrrrlrlrrttllrlrlrrrllrrltlrtrllrrl!rtl
This Statement is a Facsimile - Not an original
0000001 FIS33336 C 4 000 N 24 09/04124 Page 1 of 1 06272 MAMA 20184 11410000040002018401
X 0044
Address Change Request
Please provide information below only if the address information on front is incorrect
Street Address. ----__-__---------------.---
City
State --
Zip
Home P'lorie --- ---- ----
Work Phone --- --- ----
E-mail Address. ----------------------------- --
To contact us regarding your account:
By Telephone:
O
7
In U.S. 1-800-300-8575
Espanol 1-888-446-3308
TDD 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Wet ire:
Pay by phone l-800-436-7958 P ID. Box 15298 P.O. Box 15153 wwvv. chase comldisney
Outside U.S. call collect Wilmington, DE 19850-5 298 Wilmington. DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by regnlar U.S. mail. send at
least your minimum payment due to our Payments address shown
an this statement. Your payments by mail must comply with the
instructions on tnis statement, and must be node by check or money
order, payable in U.S. Dollars. and drawn on or payable through a
U.S financial institution or the U.S. branch of a foreign financial
institution. Do not send cash. Write your account number on your
check or money order. Payments must be accompanied by the
payment coupon in the envelope provided with our address visible
through the envelope window. the envelope cannot contain more than
one payment or coupon: and there can be no staples, paper clips, tape
or correspondence included with your payment. If your payment is
in accordance with our payment instructions and is made available
to us on any day except December 25 by 1.00 p in local time at our
Payments address on this statement we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions, but is made available to us after 1:00 pm.
local time at our Payments address on this statement, we will credit it
to your account as of the next day. If you do riot follow our payment
instructions or if your payment is not sent by regular U.S mad to
our Payments address, crediting of your payment may be delayed for
up to 5 days. Payments made electronically through our automated
telephone service. Customer Service advisors, or our web site will be
subject to any processing times disclosed for Viose payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments.
missed payments or other defaults on your account rmay he reflected in
your credit report. If you think we have reported inaccurate information
to a credit bureau, you may write to us all Inquiries address shown
on this statement.
Notice About Electronic Check Conversion: When you pay by check
you authonze us either to use information from your check to make
a one-time electronic fund transfer from your account or to process
the payment as a check transaction. Wher we use information
from your check to make an electronic fund transfer, funds may be
wilhdmwm from your account as soon as the sa me day we receive your
payment. and you will not receive your check back from your financial
institution. Call the Customer Service number on this statement if you
nave questions about electronic check collection or do not want your
payments collected electronically
Conditional Payments: Any payment check or other form of payment
that you send us for less than the full balance due that is marked "paid
in full" or contains a similar notation, or that you otherwise tender in
till satisfaction of a disputed amount, must be sent to Card Services,
P.0 Box 15049. Wilmington. DE 19850-5043. We reserve all our
nights regarding these payments (e.g., if it is determined there is no
valid dispute or if any such check is received at any other address. we
may accept the check and you will still owe any remaining balance).
We may refuse to accept any such payment by returning it to you not
cashing it or destroying it. All other payments that you make should be
sent to [tie regular Payments address shown on this statement
Annual Renewal Notice: If your account has an annual fee, it will be
billed each -year or in monthly installments. whether or not you use your
account and you agree to pay it when billed. The annual fee is non-
Lef:lndable unless you notify us that you wish to close your account
vdrthln 30 days of the date vie mail your statement on which the annual
fee is charged and at the same time. you pay your outstanding balance
in lull Your payment of the annual fee does riot affect our rights to
close your account and to limit your right to make transactions on
ow account. If your account is closed by you or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
and terminate your account relationship
Explanation of Finance Charges: We calculate periodic finance charges.
rising the applicable periodic rates shown on this statement, separately
in, eac'r feature e.g.-balance transfer/convenience checks and cash
advance checks I' check transaction ), purchases, balance transfers.
cash advances, promotional balances or overdraft advancesi These
ealcaaatlons may combine different categories with the sarne daily
penodc c rates- If there is a' V" next to a periodic rate on this statement,
that rata may vary, and the index and margin used to determine that
rate anG its corresponding Al are describes in your Cardmember
Ag,eement. as amended There is a minimum finance charge in any
hlP,ing cycle in which you owe any periodic I Panne charges, and a
transaction finance charge for each balance transfer, cash advance.
or check transaction- in the amounts stated in your Cardmember
Agreement. as amended
To get the daily balance for each day of the current billing cycle,
we fake the beginning balance for each feature add any new
transactions or other debits (including fees, unpaid finance charges
and other charges) subtract any payments or credits, and make other
adjus!--Is transactions are added as of the transaction date, line
beginning of the billing cycle in which they are posted to your account,
or a later date of our choice (except that check transactions are added
as of the dcto dekosited by the payee ora rater date of our choice)- Fees
are added either on the date of a related transacton, the date they are
posted to your account, or the last day of the billing cycle. This gives
us that day's daily balance. A credit balance is treated as a balance of
zero. If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges
for that day. We then add these periodic finance charges to your daily
balance to get the beginning balance for the next day. (If more than one
daily periodic rate could apply based on the average daily balance, we
will use the daily periodic rate that applies for the av rage daily balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each day )
To get your total periodic finance charge for a billing cycle when a
daily periodic stets) applies, we add all of the daily periodic finance
charges for all features. to determine an average daily balance- we
add your daily balances and divide by the number of the days in the
applicable billing cycle(s)- If you multiply the average daily balance for
each leature by the applicable daily periedio rate, and then multiply
each of these results by the number of days In the applicable billing
cycle(s), and then add all of the results together, the total will also
equal the periodic finance charges for the billing cycle. except for
minor variations due to roundlnn To get your total periodic finance
charge far a billirg cycle when a monthly periodic rate(s) applies.
multiply the average daily balance for each feature by the applicable
monthly periodic rate and add the reeidts together The total will equal
the periodic finance charges for the billing cycle. except for minor
variations due to rounding.
Grace Period (al least 20 days): We accrue periodic finance charges
on a transaction. fee, or finance charge from the date it is added to
your daily balance until payment in full is received on your account
However, we do not charge periodic finance charges on new purchases
hilted during a billing cycle if we receive both payment of your New
Balance on you r current statement by the date and time your payment
is due and also payment of your New Balance on your previous
statement by the date and time your payment was due- There is no
gone period for baiance transfers, cash advances check transactions
or overdraft advances.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill
is ii or it you need more information about a transaction on your
hill write Customer Service on a separate sheet at P 0 Box 15299
?. DE 19850-5209 as soon as possible. We must hear from
you no later than 50 days after we sent you the first bill on which the
error or problem appeared You can telephone us, but doing so will not
preserve yuw rlgids. In your letter. give us the following nficurneation
• Your name and account numher
• The dollar amount of the suspected error
• Describe the error and explain. it you can. why you believe there is
an error if you need more information, describe the item you are
unsure about.
You do riot have to pay any amount in question while we are
Investigating. but you are still obligated to pay the parts of your bill
that are not in question. While we investigate your question, vee
cannot report you as delinquent or take action to direct the amount
you question. If you have mithonzed us to pay yrur credit card bill
aulomalrcally from your savings or checking account, you can stop the
payment an any amount you think is wrong. Ta stop the payment. your
letter or call (Using the Induines address or Customer Service telephone
number shown on this statement; must reach us at least three business
days before the automatic payment Is scheduled to occur
Special Rule for Credit Card Purchases: If von have a problem with
the quality of goods or services that you purchased with a credit card
)excluding purchases made uth a check). and you havelried in goon
faith to correct the problem with the merchant, you may not have to
pay the remaining amount due on the goods or services. You have this
protection only when the purchase price was more than S50 and the
purchase was made in your home state or within 100 miles of vow
mailing address- These hntilaPons To not apply of we oven or operate
file merchant. or If we mailed your the advertisement for the property
Of Service',
MNrtaW
Payment Due Date New Balance Past Due Amount Minimum Payment
1 06/18/09 $2.155.44 I $23.00 $201.44
Account number: 4266 9020 1285 6298
Make your check payable to:
Chase Gard Services.
Please write amount enclosed.
New address ore-mail? Print on back
426690201285629800020:L44002155440000008
48127 BEX Z 14409 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
I,r,Illr„I„I.I,Irlrl,,,Il,I,,,II,,,llrr„Ilr„I,I,IIr„Ilr,l
1: 5000 L60 281: L84 20 i 28 5 6 29a 211•
-:Z)rGNEro REWARDS'
Statement Date.
04/25109 - 05/24/09
Minimum Payment: $201.44
Payment Due Date: 06118109
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
ACCOUNT SUMMARY VISA Account Number: 4266 9020 1285 6298
Previous Balance $2,167.78 Total Credit Line $2,000
Payment, Credits -$23.00 Available Credit $0
Finance Charges +$10.66 Cash Access Line $400
New Balance $2,155.44 Available for Cash $0
Manage your account online:
www. chase. com/disney
Additional contact information
conveniently located on reverse side
DISNEY DREAM REWARD DOLLARS@
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney RewafdsO or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards® Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as 'efer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
05/10 Payment - Thank You -23.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .01644% 6.00% $1,698.74 $838 $0.00 $0.00 $8.38
Cash advances _01644% &00% $46230 $2.28 $0.00 $0.00 $2.28
Total finance charges $10.66
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period. and other important information.
The Corresponding APR is the rate of interest you pay when you carry a bal. __, on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
?1°sWE?o ?1s REWARDS'
I,r,lll,l,rl„Irl„Irrll,r,1,1,,,,11,1,1„rll„I,I„rll„II„I
This Statement is a Facsimile - Not an original
0000001 FIS3333fi C 4 000 N Z 24 09/05124 Page 1 af" 06272 MA MA 48117 1441000004000481J701
X 0044
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address:
-------__-------------------
City : ------------ --
State --
Zip. ----- ----
Home Phone. --- --- ----
Work Phone. --- --- ----
E-mail Address:
L
To contact us regarding your account:
O By Telephone:
;
> JF`
In U.S. 1-800-300-8575 `l
Espanol 1-888-446-3308
TDD 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website:
Pay by phone 1-800-436-7958 RO. Box 15298 P.O. Box 15153 www.chasie cony d-ray
Outside U.S. call collect Wimington, DE 19850-5298 Wilmington. DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by regular U.S mail send at
least your minimum payment due to our Payments address shown
on this statement. Your payments by mail roust comply with the
instructions on this statement, and must be made by check or money
order. payanle in U.S Dollars and drawn on or payable through a
U.S financial ?nstituhon or the U.S. branch of a foreign financial
institution. Do not send cash. Write your account number on your
check or money order Payments must be accompanied by the
payment coupon in the envelope provided with our address visible
through the envelope window.- the envelope cannot contain more than
one payment or coupon: and there can be no staples, paper clips, tape
or correspondence included with your payment. If your payment is
in accordance with our payment instructions and is made available
to us on any day except December 25 by 1:00 p no. local time at our
Payments address on this statement. we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions, but is made available to us after 1:00 p.m.
local time at our Payments address on this statement, we will credit it
so your account as of the next day. If you do riot follow our payment
instructions or if your payment is not sent by regular U.S - mall to
out Payments address, crediting of your payment may be delayed for
up to 5 days. Payments made electronically through our automated
telephone service. Customer Service advisors, or our web site will be
subject to any processing times disclosed for Ytose payments
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments.
missed payments or other defaults on your account may be reflected in
your credit report . It you think vie have reported inaccurate information
to a credit bureau. YOU may write to us at the Inquiries address shown
on this statement.
Notice About Electronic Check Conversion: When you pay by check.
you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information
from your check to make an electronic fund transfer, funds may be
Withdrawn from your account as soon as the same day we receive your
payment. and you will not receive your check back from your financial
institution. Call the Customer Service number on this statement if you
have questions about electronic check collection or do not want your
payments collected electronically.
Conditional Payments: Any payment check or other form of payment
that you send us for less than the full balance due that is marked 'paid
in fell' or contains a similar notation. or that you otherwise tender in
null satisfaction of a disputed amount, must be sent to Card Services,
P 0 Box 15049 Wilmington. DE 19850-5049. We reserve all our
Fronts regarding these payments (e.g.. if it is determined there is no
valid dispute or if any such check is received at any other address, we
may accept the check and you will still owe any remaining balance).
We may refuse to accept any such payment by returning it to you. not
castling it or destroying it All other payments that you make should be
sent to the regular Payments address shown o 1 this statement
Annual Renewal Notice: If your account has an annual fee. it will be
billed each year or in monthly installments, whether or not you use your
account and you agree to pay it when billed. The annual fee is non-
refundable unless you notify us that you wish to close your account
within 30 days of the date we mail your statement on which the annual
fee is charged and at the same time, you pay yc or outstanding balance
in Icll Your payment of the annual fee does not affect our rights to
close your account and to limit your right to make transactions on
your account 4 your account is closed by you or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately
for each feature (e.g.,balance transfer/convenience checks and cash
advance checks (`check transaction"), purchases, balance transfers.
cash advances, promotional balances or overdraft advances). These
calculations may combine different categories with the same daily
periodic rates- If there is a'V" next to a periodic rate on this statement,
that rate may vary, and the index and margin used to determine that
rate and its corresponding APR are described in your Cardmember
Agreement. as amended. There is a minimum finance charge in any
billing cycle in Which you owe any periodic finance charges. and a
transaction finance charge for each balance transfer, cash advance.
or check transaction. in the amounts stated in your Cardmember
Agreement.. as amended.
To get the daily balance to, each day of the cu rent billing cycle,
we. take the beginning balance for each featu e. add any new
transactions or other debits (including fees, unpaid finance charges
and other charges) subtract any payments or credits. and make other
adjustments- Transactions are added as of the transaction date, the
beginning of the billing cycle in which they are posted to your account,
or a later date of our choice (except that check transactions are added
as of the date deposited by the payee or a later date u( our choice)- tees
are added either on the date of a related transaction, the date they are
pasted to your account or the, last day of the billing cycle. This gives
us that days daily balance. A credit balance is treated as a balance of
zero If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges
for that day- We then add these periodic finance charges to your daily
balance to get the beginning balance for the next day. (If more than one
daily periodic rate could apply based on the average daily balance, we
will use the daily periodic rate that applies for the average daily balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each day-)
To get your total periodic finance charge for a billing cyce when a
daily periodic rate(s) applies eve add all of the daily periodic finance
charges for all features. To determine an average daily balance. We
add your daily balances and divide by the number of the days in the
applicable billing cycle(s). It you multiply the average daily balance for
each feature by the applicable rally periodic. rate, and then multiply
each of these results by the number of days n the applicable billing
cycle(s), and then add all of the results together.. the total vvill also
equal the periodic finance charges for the billing cycle, except for
minor variations due to rounding To get your total periodic finance
charge for a billing cycle when a monthly periodic rate(s) applies,
multiply the average daily balance for each feature by the applicable
monthly periodic rate and add the results togetheo. The total will equal
the periodic finance charges for the billing cycle except for minor
variations due to rounding
Grace Period (at least 20 days): We accrue periodic finance charges
on a transpcn(?,, tee. or finance charge from the date it is added to
your daily balance until payment in full is received on your account.
However, rare do not charge periodic finance charges on new purchases
billed during a billing cycle if We receive bath payment of your New
Balance on your current statement by the date and time your payment
is due and also payment of your New Balance on your previous
statement by the date and filne your payment was due- There is no
grace period for balance transfers. cash advances. check transactions
or overdraft advances.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If rou think your bili
is Wrong, or if you need more intonnation about a transaction on your
bill. Write Customer Service on a separate sheet at P 0 Box 15299
Wilmington. DE 19850-5299 as soon as possible. We must hear from
you no later than 60 days after tore sent you the first bill on which the
error or problem appeared. You can telephone us. but doing so will not
preserve your rights. In your letter- give us the toltowing information.
• Your name and account number
• The dollar amount of the suspected errw
• Describe the error and explain. if you can. why you believe there s
an error. If you need more information. describe the item you are
unsure about.
You do not have to pay any amount in question While we are
investigating. but you are still obligated to pay the parts of your bill
that are not in quest While we investigate your question, ^vve
cannot report you as delinquent or take action to collect the amount
you question- If you have authorized us to pay your credit card bill
automatically from your savings or checking account, you can stop the
payment on any amount you think is vvrong. To stop the payment, your
letter or call (using the Inquiries address or Customer Service telephone
number shown on this statement) must reach us at least three business
days before the autdma5c payment is scheduled to occur
Special Rule for Credit Card Purchases: If you have a problem vain
the quality of goods or services that you purchased with a credit card
texcluding purchases made with a check) and you have tried in good
faith to correct the problem with the merchant, you may not have to
pay the remaining amount due on the goods or services You have this
protection only when fie purchase price was more than S50 and the
purchase uvas made in your home state or within 100 miles of your
mailing address. These limitations do not apply d vie own or operate
the merchant, or if we inalled you the adverlisement for the property
or sen,i-
MAI 11108
Payment Due Date New Balance Past Cue Amount Minimum Payment
07119109 $2.143.40 E$21 0.
$189.40
Account number: 4266 9020 1285 6298
. Make your check payable to:
Chase Card Services.
Please write amount enclosed
New address or e-mail? Print an back
426690201285629800018940002143400000004
48942 3FX Z 17509 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
1:5000 160 281: 184 20 1 28 56 298 211'
Golfo REWARDS'
r1si0 REWARDS'
Ir„III, I„I.rl,l„I,rll,,,l,1,,,,11,1,1,,,11„1,1,,,11„II„I
Statement Date.
05/25/09 - 06/24/09
Minimum Payment: $189.40
Payment Due Date: 07119/09
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
ACCOUNT SUMMARY VISA Account Number: 4266 9020 1285 6298
Previous Balance $2.155.44 Total Credit Line $2,000
Payment. Credits -$23.00 Available Credit $0
Finance Charges +$10.96 Cash Access Line $400
New Balance $2,143.40 Available for Cash $0
Manage your account online:
w,w. chase. com/disney
Additional contact information
conveniently located on reverse side
DISNEY DREAM REWARD DOLLARS@ _
Balance from last statement 0 Please call 800-300.8575 to redeem your
Reward dollars earned from net purchases 0 Disney Rewards® or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards(P) Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
06/10 Payment - Thank You -23-00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases 01644% &00% $1,684.60 $8.59 $0.00 $0.00 $8.59
Cash advances .01644% 6.00% $465.02 $2.37 $0.00 $0.00 $2.37
Total finance charges $10.96
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category
.
The Effective APR represents your total finance: charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 PS33336 C 4 000 N Z 24 09!06/24 Page 1 of ' 06272 1.1A MA 48942 17510000040004894201
X 0144
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: _--____-_____
City ----------- ---
State --
Zip ----- -----
Home Phone. -- _
'dvork Phone --- -__ ----
Email Address
L
To contact us regarding your account:
By Telephone:
O
In U.S. 1-800-300-8575
Espanol 1-888-446-3308
TDD 1-800-955-8060
Send Inquiries to:
Mail Payments to:
Visit Our Website:
Pay by phone)-800-436-7958 PO Box 15298 P.O. Box 15153 www. chase corm isney
Outside U.S. call collect Wilmington.. DE 19850-5 298 Wilmington. DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by regular U.S. mail, send at
least your minimum payment due to our Payments address shown
an this statement. Your payments by mail must comply with the
instructions on this statement, and most be made by check or money
order, payable in U.S. Dollars, and drawn on or payable through a
U.S financial institution or the U-S. branch of a foreign financial
institution. Do not send cash. Write your account number on your
check or money order. Payments must be accompanied by the
payment coupon in the envelope provided with our address visible
through the envelope window. the envelope cannot contain more than
one payment or coupon; and there can be no staples, paper clips, tape
or correspondence included with your payment. If your payment is
in accordance with our payment instructions and is made available
in _rs on any day except December 25 by 100 p on. local time at our
Payments address on this statement we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions, but is made available to us alter 1:00 p.m.
local hnle at our Payments address on this statement, we will credit it
to your account as of the next day. If you do riot follow our payment
instructions or if your payment is not sent by regular U.S. mail to
our Payments address, crediting of your paymi-,m may be delayed for
up to 5 days. Payments made electronically though our automated
telephone service- Customer Service advisors, or our web site will be
subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments.
missed payrnerts smother defaults on your account may be reflected in
your credit report. If you think rive have reported inaccurate information
to a credit bureau, you may write to us atthe Inquiries address shown
on this statement.
Notice About Electronic Check Conversion: When you pay by check.
you authorize us either to use information from your check to make
a one-time electronic fund transfer tram your account or to process
the payment as a check transaction- When we use information
!ronl your check to make an electronic fund transfer, funds may be
withdrawn from your account as soon as the same day we receive your
payment, and you will not receive your check back from your financial
institution. Call the Customer Service number on this statement if you
have questions about electronic check collection or do not want your
payments collected electronically
Conditional Payments: Any payment check or ether form of payment
that. you send us for less than the full balance due that is marked "paid
in full' or contains a similar notation, or that you otherwise tender in
full satisfaction of a disputed amount, must be sent to Card Services.
P 0 Box 15049. Wilmington DE 19850-5049 We reserve all our
ugnts regarding these payments (e.g., if it is determined there is no
valid dispute or if any such check is received at any other address, we
clay accept the check and you will still owe any remaining balance).
We may refuse to accept any such payment by returning it to you. not
cashing it or destroying it All other payments that you make should be
sent to the regular Payments address shown on this statement
Annual Renewal Notice: If your account has an annual fee, it will be
billed each year or in monthly installments. whetter or not you use your
account. and you agree to pay if when billed. he annual fee is non-
refundable unless you notify us that you wish to close your account
within 30 days of the date we mail your statement on which the annual
tee is charged and at the same time. you pay your outstanding balance
in tell Your payment of the annual fee does not affect our rights to
close your account and to limit your right to make transactions on
your account. If your account is closed by you or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement, separately
ar each feature (e.g. balance translerlconvenience checks and cash
advance checks (`check transaction'), purchases, balance transfers.
cash advances, promotional balances or overdraft advances). These
ralculations may combine different categories with the same daily
periodic rates. If there is a `V' next to a periodic rate on this statement.
that rate may vary, and the index and margin used to determine that
rate and its corresponding APR are described in your Cardmember
Agreement. as amended. There is a minimum finance charge in any
bulling cycle in which you owe any periodic finance charges. and a
transaction finance charge for each balance tr3nster. cash advance.
or check Transaction. in the amounts stated in your Cardmember
Agreement. as amended.
To get the dally balance for each day of the current billing cycle,
we take the beginning balance for each feature. add any new
transactions ar umer debits (including fees unpaid finance charges
and other charges). subtract any payments or credits, and make other
adjustments. Transactions are added as of the transaction date, the
beginning of the billing cycle in which trey are posted to your account,
or a later date of our choice lexcept that check transactions are added
as of the date deposited by the payee or a later date of our choice). Fees
are added either on the date of a ieiated transaction, the date they are
pasted to your account. or the last day of the billing cycle. This gives
us that day's daily balance. A credit balance is trea`ed as a balance of
zero If a daily periodic rate applies to any feature, w multiply the daily
balance by the daily periodic rate to get your periocc finance charges
for that day. We then add these periodic finance charges to your daily
balance to get the beginning balance for the next day. (If more than one
dally periodic rate could apply based on the average daily balance, we
will use the daily periodic rate that applies for the average daily balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each day.)
To get your total periodic, finance charge for a billing cycle when a
daily periodic rate(s) applies. rive add all of the daily periodic finance
charges ter all features. to determine an average dally balance. we
add your daily balances and divide by the number of the days in the
applicable billing cycle(s). II you multiply the average daily balance for
each feature by the applicable dally periodic rate, and then multiply
each of these results by the number of days in the applicable billing
cycle(s), and then add all of the results together. the total will also
equal the periodic finance charges for the billing cycle. except for
minor variations due to rounding To get your total periodic finance
charge for a billing cycle when a monthly periodic rate(s) applies
multiply the average daily balance for each feature by the applicable
monthly periodic rate and add the Tesults together The total will equal
the periodic finance charges for the billing cycle, except for minor
variations due to rounding
Grace Period (at least 20 days): We accrue periodic finance charges
on a transaction. fee or finance charge from the date it is added to
your daily balance until payment in full is received on your account.
However, we do not charge periodic finance charges on new purchases
billed during a billing cycle if we receive both payment of your New
Balance on your current statement by the date and time your payment
is due and also payment of your New Balance on your previous
statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances. check transactions,
or overran advances.
BILLING RIGHTS SUMMARY
In Case of Erre-s or Questions About Your Bill: If you think your bill
is vrong, or it you need store information about a transaction on your
bill. write Customer Service on a separate sheet at P 0- Box 15299
Wilmington, DE 19850-5299 as soon as possible We. trust hear from
you no later than 60 days after toe sent you the first bill on which the
error or problem appeared. You can telephone us, but doing so will not
preserve your rights. In your letter. give as the following information
-
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain, if you can. rohy you believe there is
an error. It you need more information. descnbt the item you arc
unsure about.
You do riot have to pay any amount rn question while we are
investigating. but you are still obligated to pay the parts of your bill
that are not in question While we investigate your question, we
cannot report you as delinquent or take action to collect the amount
you question. If you have authored us to pay your credit card bill
automatically from yoursavicgs or checkng account, you can stop the
payment oo any amoLlrll you think is wrong To stop the payment, your
ether or call (using the Inquiries address or Customer Service telephone
number shown on this statement) must reach us at least three business
days before the automatic, payment is scheduled to occur
Special Rule for Credit Card Purchases: if you have a problem with
the quality of goods or services that you purchased with a credit card
(excluding purchases made with a check). and you have tried in good
faith to correct the problem with the merchant, you may not have to
pay the remaining amount due on the goods or services. You have this
protection only when the purchase price was more than S50 and the
purchase was made in your home state or v,ithin 100 miles of your
marling address These limitations do not apply if we, own or operate
the merchant. or if the nlaged Van the advertsement for the property
w services-
NA I 114118
Payment Due Date New Balance Past Due Amount Minimum Payment
1 08118109 $2.107.90 I 90.00 $130.90
Account number: 4266 9020 1285 6298
Make your check payable to:
Chase Card Services.
Please write amount enclosed.
New address or e-mail? Print on back.
426690201285629800013090002107900000008
09707 eFx 7- 20509 c
JOAN K YAMAGUCI-11
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
1:5000 160 281: 184 20 1 28 56 298 211•
,i I)rwftrz REWARDS'
QJr REWARDS'
I„,III, l„Ir,1, I„l„I I,,,1,1,,,,11,1,1,„Ilr,l,l.„II„I I„I
Statement Date
06125109 - 07/24/09
Minimum Payment: $130.90
Payment Due Date: 08118/09
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
ACCOUNT SUMMARY VISA Account Number: 4266 9020 1285 6298
Previous Balance $2,143.40 Total Credit Line $2,000
Payment, Credits -$46.00 Available Credit $0
Finance Charges +$10.50 Cash Access Line $400
New Balance $2,107.90 Available for Cash $0
Manage your account online:
-chase eom/disney
Additional contact information
conveniently located on reverse side
DISNEY DREAM REWARD DOLLARS®
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney RewardsC or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards(q) Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
The terms and conditions of the Disney Rewards@ Program apply to the use of Disney Dream Reward DollarsC%and may be
modified by Chase or Disney Rewards, LLC at any time. Your account must remain, in good standing to earn or request redemption
of Disney Dream Reward Dollars. Disney Dream Reward Dollars are non-transferable, have no cash or monetary value and
cannot be used towards payment at unauthorized locations and payment of an outstanding balance on your Disney RewardsC
VisaC Card. Please call 1-800-300-8575 to request that your Disney Dream Reward Dollars be transferred to a Rewards Card or if
you have any questions about the Disney Rewards Program.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Descriotion Amount
07/11 Payment - Thank You -46.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .01644% 6.00% $1,659.67 $8.19 $0.00 $0.00 $8.19
Cash advances 01644% 6.00% $467.36 $2.31 $0.00 $0.00 $231
Total finance charges $10.50
Effective Annual Percentage Rate (APR): 6.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
J000001 FIS33336 C 4 Ono N _ 24 09107124 Page 1 of1 06272 \J,l 1tA 09707 20510000040000970701
X 0044
Address Change Request
Please provide information below only if the address information on front is incorrect
Street Address: -------.--
City ------- -
State --
Zip. ----- -----
Home Phone - .---
Work Phone. --- ---
E-mail Address: --____-_
To contact us regarding your account:
By Telephone:
O In U.S. 1-800-300-8575 \\??
Espanol 1-888-446-3308
TDD 1-800-955-8060 Send Inquiries to:
Mail Payments to:
Visit Our Website:
Pay by phone l-800-436-7958 P.D. Box 15298 P.O. Box 15153 www. chase. comldisney
Outside U.S. call collect W.Imington, DE 19850-5 298 Wilmington. DE 19886-5153
1-302-594-8200
Inlormation About Your Account
Crediting of Payments: For payments by regular U.S marl, send at
least your minimum payment due to our Payments address shown
an this statement. Your payments by mail Trust comply with the
instructions on this statement, and must be made by check or money
order, payable in U.S. Dollars, and drawn or or payable through a
U.S financial institution or the U S. branch of a foreign financial
instituhon- Do not send cash. Write your account number on your
check or money order Payments must be accompanied by the
payment coupon in the envelope provided wth our address visible
through the envelope window. the envelope cannot contain more than
one payment or coupon: and there can be no staples, paper clips, tape
or correspondence included with your payment. If your payment is
in accordance with our payment instructions and is made available
o us on any day except December 25 by 1:00 p in local time at our
Payments address on this statement- we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions, but is made available to us after 100 p-m
local time at our Payments address on this statement, we will credit it
to your account as of the next day. If you do not follow our payment
instructions or it your payment is not sent by regular U.S. mail to
our payments address, crediting of your payment may be delayed for
up to 5 days Payments made electronically through our automated
telephone service. Customer Service advisors, or our web site will be
subject to any processsr g times disclosed for those payments
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments.
missed payments or other defaults on your account may be reflected in
;our credit report . If you think we have reported inaccurate information
to a credit tureau. you may write to its at the Inquiries address shown
on this statement.
Notice About Electronic Check Conversion: When you pay by check
you authorize us either to use Information from your check to make
a one-time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information
from your check to make an electronic fund transfer, funds may be
,vithdrawn from your account as soon as the same day vie receive your
payment, and you will not receive your check back from your financial
institution. Call the Customer Service number on this statement if you
have questions about electronic check collection or do not want your
payments collected electronically
Conditional Payments: Any payment check or other term of payment
that you send us for less than the full balance due that is marked "paid
in hill' or contains a similar notation, or that you otherwise tender in
full Satisfaction of a disputed amount, must be sent to Card Services,
PO Box 1,5049 Wilmington DE 19850-5049 We reserve all our
rights regarding these payments (e.g.. It it is determined there is no
valid dispute or if any such check is received at any other address, vie
Limy accept the check and you will still owe any remaining balance)
We may refuse to accept any such payment by returning it to you. not
cashing it or destroying it. All other payments that you make should be
sent to the regular Payments address shown on this statement.
Annual Renewal Notice: If your account has an annual fee, it will be
hided each year or in monthly installments. whether or not you use your
account. and you agree to pay it when billed. The annual fee is non-
refundable unless you notify us that you wish to close your account
wdhrn 30 days of the date we mail your statement on which the annual
fee is charged and at the same time. you pay your outstanding balance
Ir full Your payment of the annual tee does cot affect our rights fo
close your account and to limit your right to make transactions on
your account- It your account is closed by you or us, we will continue
io charge the annual fee until you pay your Outstanding balance in full
and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement, separately
'or each feature (e.,q balance TransfeUconvenionce checks and cash
advance checks (`check transaction ), purchases. balance transfers.
cash advances, promotional balances at overdraft advances). These
cllculahons may combine different categories with the same dally
penodre rates. If there is a "V" next to a periodic rate on this statement,
that rate may vary, and the index and margin used to determine that
rate and its corresponding APR are described in your Cardmember
Agreement. as amended- There is a minimum finance charge in any
hillmo cycle in which you owe any periodic finance charges, and a
transaction finance charge for each balance transfer. cash advance.
or check transaction. in the amounts stated in your Cardmember
Agreement as amended.
To ge, G.., pally balance fur each day pf the current billing cycle,
eve take the beginning balance for each feature. add any new
Transactions or other needs (,.9cuding fees, unpaid finance charges
and other cnargest subtract any payments or credits, and make other
adjustments. Transaction's are added as of the transaction date, the
beginning of the billing cycle in whim they are posted to your account.
or a later date of our choice jexcepl that check transactions are added
os of the date deposited by the payee cr a later date of our choice). Fees
are added either on the dare of a elated transaction, the date they are
posted to your account crthe last day of the billing cycle_ This gives
us that day's daily balanru. A credit balance is treated as a balance of
zero If a dally periodic rate applies to any feature. via multiply the daily
balance by tie daily periodic rate to get your turner c finance charges
for that day- We then add these periodic finance eh,oges to your daily
balance to get the beginning balance for the next day id more than one
daily periodic rate could apply based on the average daily balance, we
will use the daily periodic rate that applies for the average daily balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each day I
To get your total periodic finance charge for a hilling cycle when a
daily periodic rate(s) applies. vie, add all of the daily periodic finance
charges for all features fo determine an average daily balance. we
add your daily balances and divide by the number of the days in the
applicable billing cycle(s). It you multiply the average daPy balance for
each feature by the applicable daily periodic rate, and then multiply
each of these results by the number of days in the applicable billing
cycle(s). and then add all of the results together. The total will also
equal the, periodic finance charges for the billing cycle, except for
minor variations due to rounding. To get your total periodic finance
charge for a billing cycle when a monthly periodic rate(s) applies.
multiply the average daily balance for each feature by the applicable
monthly periodic rate and add the results together- The total will equal
the periodic finance charges for the billing cycle. except for miner
variations due to rounding
Grace Period (at least 20 days): We accrue periencc finance charges
on a transaction. fee. or finance charge from the date it is added to
your daily balance until payment In full is received on your account.
However, vie do not charge periodic finanre charges on new purchases
hilted during a billing cycle if we receive both payment of your New
Balance on your current statement by the date and time your payment
is due and also payment of your New Balance on your previous
statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances check transactions,
ur overdraft advances.
BILLINt. nIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill
Is wrong. or if , nu need more information about a transaction on your
bill, write Customer Service on a separate sheet at P 0 Box 15299
Wihnington, DE 19850-5299 as scon as possible We roust hear from
you no later than 60 days after we sent you the first bill on which the
error or problem appeared. You can telephone us, but doing so will riot
preserve your rights. In your letter. give us the following information.
• Your name and account number
• the dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is
an error d you need more into,mahofl, descrita the item you are
unsure about
You do not have to pay any amount in question while we are
investigating but you are still obligated to pay the parts of your hill
that are not in question- While we investigate your question, we
carrot report you as delinquent or take action to collect the amount
you question. If you have authonzed us to pay your credit card bed
automatically from your Savings or checking account, you can stop the
payment on any amount you think is wrong. To stop the payment your
letter or call (using the !nghfries address or Customer Service telephone
number shown nn this sumenlentt nwst reach us at least three business
days before the automatic payment is scheduled to occur.
Special Rule for Credit Card Purchases: If you have if problem with
the quality of goods or services that you purchased with a credit card
(excluding purchases mach eaitil a check). and you have tried in good
faith to correct the problem with the merchant, you may not have to
pay the remaining amount one on the goods or services. You have this
protection only when the nurchase pace was more than $50 and the
purchase was made rn your hmne state or within 100 miles of your
mailing address These limitations do flat apply if we own or operate
the merchant. or if we mailed you the advertisement for the property
or servrCeS.
'AAr (loaf,
Payment Due Date New Balance Past Due Amount Minimum Payment
09/18!09 Pa
$2,153.93 I $x3.00 $243.93??t1F'G REWARDS'
Account number: 4266 9020 1285 6298 „ ,woF.oM .,,E
Make your check payable to:
Chase Card Services.
Please write amount enclosed
ed.
New address or e-mail? Print on back
42669020128562980002439300215393000000000000006
585:35 BEX Z 23609 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
Irrrlllrl,rlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1: 5000 L60 281: L84 20 L 28 S6 2913 211•
^\p -_?
QJ' 1iNE REWARDS' Statement Date.
07/25/09-08/24/09
0 01 Manage your account online:
www.chase,eom/disney
Minimum Payment: $243.93
Payment Due Date: 09118109
Additional 'ontact information
conveniently I, Gated on reverse side
ACCOUNT SUMMARY Account Number: 4266 9020 1285 6298
Previous Balance $2,107.90 Total Credit Line $2.000
Purchases. Cash, Debits +$28.00 Available Credit $0
Finance Charges +$18.03 Cash Access Line $400
New Balance $2,153.93 Available for Cash $0
DISNEY DREAM REWARD DOLLARS@
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney RewardsO or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards(! Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture o f f ewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
08/19 LATE FEE 28.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .02740% 10.00% $1,651.51 $14.03 $0.00 $0.00 $14,03
Cash advances .02740% 10.00% $470.49 $4.00 $0.00 $0.00 $4.00
Total finance charges $18.03
Effective Annual Percentage Rate (APR): 10.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 HS33336 C 4 000 N Z 24 09/08;24 Page 1 of 1 06217 MAMA S85;5 23610000040005853501
X 0044
Address Change Request
Please provide information below only if the address information on front rs incorrect
Street Address:
City -------------
--
State.
Zip ----- --'--
Home Phone: --- --- ----
Mork Phone. --
E-mail Address.
To contact us regarding your account:
By Telephone:
O InU.S. 1-800-300-8575
7
Espanol 1-888-446-3308
Ti 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website:
Pay by phonel-800-436-7958 P.O. Box 15298 P.O. Box 15153 -chase. comldisney
Outside U.S. call collect Wilmington. DE 19850-5 298 Wilmington, DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by regular U.S mad, send at
least your minimum payment due to our Payments address shown
on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money
order. payable in U.S Dollars, and drawn on or payable through a
U.S. financial institution or the 11. S. branch of a foreign financial
institution. Do not send cash. Write your account number on your
check or money order. Payments must be accompanied by the
payment coupon in the envelope provided with our address visible
through the envelope window. the envelope cannot contain more than
one payment or coupon, and there can be no staples. paper clips, tape
or correspondence included with your payment. If your payment is
in accordance with our payment instructions and is made available
to os on any day except December 25 by 1 00 p an local time at our
Payments address on this statement. we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions, but is made available to us after 1:00 p.m.
local time at our Payments address on this statement, we will credit it
to your account as of the next day. If you do not follow our payment
instructions or if your payment is not sent by regular U.S. mail to
our Payments address, crediting of your payment may be delayed for
up to 5 days. Payments made electronically through our automated
telephone service. Customer Service advisors, or our web site will be
subject to any processing times disclosed for those payments
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments.
missed payments or other defaults on your account may be reflected in
your credit report . If you think we have fecal inaccurate information
to a credit bureau, you may write to us at the Inquiries address shown
on this statement.
Notice About Electronic Check Conversion: When you pay by check.
you authorize us either to use information from your check to make
a one time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information
from your check to make an electronic fund 'ransfer funds may be
withdrawn from your account as soon as the same day we receive your
payment, and you will not receive your check Lack from your financial
institution Call the Customer Service number on this statement if you
have questions about electronic check collection or do not want your
payments collected electronically.
Conditional Payments: Any payment check or other form of payment
that VOL] send us for less than the full balance due that is marked "paid
in full` or contains a similar notation, or that you otherwise tender in
full satisfaction of a disputed amount, must be sent to Card Services,
P 0 Box 15049 Wilmington DE 19850-5049 We reserve all our
rights regarding these payments e.g... if it is determined there is no
valid dispute or if any such check is received a. any other address, we
may accept the check and you will still owe any remaining balance)
We may refuse to accept any such payment by returning it to you. not
cashing it or destroying it All other payments that you make should be
sent to the regular Payments address shown on this statement.
Annual Renewal Notice: If your account has an annual fee. it will be
billed each year or in monthly installments. whe:herornot you use your
account and you agree to pay it when billed. The annual fee is non-
refundable unless you notify us that you wish to close your account
evuhn 30 days of the date we mail your statement on which the annual
tee is charged and at the same time, you pay your outstanding balance
in full Your payment of the annual fee does lot affect our rights to
close your account and to limit your right to make transactions on
your account If your account is closed by you or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on th s statement, separately
'or each feature (e.g.-balance iransterlconvenence checks and cash
advance checks ('check transaction ), purchases, balance transfers
east) advances, promotional balances or overdraft advances)- These
calculations may combine different categories with the same daily
periodic rates- It there is a `W next to a periodic rate on this statement.
that rate may vary, and the index and margin used to determine that
,ate and its corresponding APR are described in your Cardmerri
Agreement as amended. There Is a minimum finance charge in any
hilling cycle in which you owe any periodic finance charges. and a
transaction finance charge for each balance transfer, cash advance.
or check transaction. in the amounts stated in your Cammeri
Agreement as amended.
To get the daily balance for each day of the current billing cycle.
we take the beginning balance for each feature. add any new
transactions or other dehds (including fees, unpaid finance charges
and other charges) subtract any payments or credits. and make other
adjustments. Transactions are added as of the transaction date, the
beginning of the billing cycle in which they are posted to your account,
or a later dale of our choice lexcept that check transactions are added
as of the date deposited by the payee at a later date of our choice) Fees
are ad- either on the date of a related transaction, the date they are
posted to vour account. or the last day of the billing cycle. This gives
us that day's d-?ny balance. A credit balance is treated as a balance of
zero. If a dairy periodic rate applies to any feature. we multiply the daily
balance by the daily periodic rate to get your periodic finance charges
for that day. We then add these periodic finance charges to your daily
balance to get the beginning balance for the next day. (It more than one
daily periodic rate could apply based on the average daily balance, we
will use the daily periodic rate that applies for the average daily balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each day.)
to get your total periodic finance charge for a b,'ting cycle when a
daily periodic rate(s) applies, we add all of the Lai y periodic finance
charges for all features. To determine an average daily balance. we
add your daily balances and divide by the number of the days in the
applicable billing cycle(s) It you multiply the average daily balance for
each lecture by the applicable daily periodic rate, and then multiply
each of these results by the number of days in the applicable billing
cycle(s), and then add all of the results together.. the total will also
equal the penod:c finance charges for the hilling cycle, except for
minor variations due it, rounding To get your total periodic finance
charge for a hilling cycle when a monthly periodic raters) applies.
multiply the average daily balance for each feature by the applicable
monthly periodic rate and add the results together. The total will equal
the periodic finance charges tar the billing cycle. except for minor
variations due 10 rounding
Grace Period (at least 20 days): We accrue periodic finance charges
on a transaction. fee, or finance charge from the date it is added to
your daily balance until payment in full is received on your account.
However, we do not charge periodic finance charges on ni purchases
billed during a billing cycle if we receive both payment of your New
Balance on your current statement by the date and time your payment
is due and also payment of you New Balance on your previous
statement by the date and time your payment was due. There is no
grace period for balance transfers. cash advances check transactions,
or overdraft advances
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill
is varong. or it you used more mfornation about a transaction an your
bill, write Customer Service an a separate sheet at P-0 Box 15299
Wilmington, DE 19850-5299 as soon as possible We must hear from
you no later than 60 days after we sent you the first bill on which the
error or problem appeared- You can telephone us, but doing so will not
preserve vour rights. In your fetter, give us the following mformatioc.
• Your name and account mummer
• The dollar amount of the suspected error
• Describe the c,mr and explain, if you can, why you believe there is
an error. If you need more information. describe the item you a,e
unsure about.
You do not have to pay any amount In question while we a,e
investigating but you are still obligated to pay the parts of your bill
that are not in question- While we investigate your question, we
cannot report you as delinquent or take action to collect the amount
you question- If you have authorized us to pay your credit card bill
automatically from your savings or checking account, you can stop the
payment on any amount you think is wrong. `-o stof the payment, your
letter or call (using the Inquiries address or Custome Service telephone
number shoran on this statement) must reach us at least three business
days before the automatic payment is scheduled to occur
Special Rule for Credit Card Purchases: If you have a problem vmh
the quality of goods or services that you purchased with a credit card
(excluding purchases made evnn a check) and you have tried in good
`aith to correct the problem wfh the merch,mt. you may not have to
pay the remaining amount due on the goods w services. You have this
protection only when the purchase price was more than S50 and the
purchase was made in your home state or within 100 miles of your
mailing address- These hmitations do not apply if vie own or operate
the merchant, or if we mailed you the advertisemeet for the property
or services.
MAI1, aea
Payment ate New Due Amount Minimum Payment
0119109 $2,040a36e Past
60.00
$80.36+ REWARDS
7
Account number: 4266 9020 1285 6298
Make your check payable tn:
Chase Card Services.
F Please write amount enclosed.
New address or e-mail? Pi inl on back
42669020128562980000803600204036000000000000008
,144174 aEX 7 2670 C.
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
Irrrlllrlrtlrrlrlrrlrrllttrlrl,rrrllrl,lrr,llrrlrlrrrllrrllrrl
CARDMEMBER SERVICE
PO BOX 151.53
WILMINGTON DE 19886-5153
1:5000 160 281: 18L. 20 L 28 5 6 2982f,
Statement Date:
O 08125/09 - 09/24109
1sNE?o 0 REWARDS'
Minimum Payment: $80.36
Payment Due Date: 10119/09
Manage your account online:
w,wv. chase. com/disney
Additional contact information
ACCOUNT SUMMARY Account Number: 4266 9020 1285 6298 conveniently located on reverse side
Previous Balance $2,153.93 Total Credit Line $2.000
Payment, Credits -$130.90 Available Credit $0
Finance Charges +$17.33 Cash Access Line $400
New Balance $2.040.36 Available for Cash $0
DISNEY DREAM REWARD DOLLARS®
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney Rewardsrt? or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards(iProgram.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
The terms and conditions of the Disney Rewards0 Program apply to the use of Disney Dream Reward DofarO<) and may be
modified by Chase or Disney Rewards, LLC at any time. Your account must remain in good standing to earn or request redemption
of Disney Dream Reward Dollars. Disney Dream Reward Dollars are non-transferable, have no cash or monetary value and
cannot be used towards payment at unauthorized locations and payment of an outstanding balance on your Disney Rewards &
VisaO Card. Please call 1-800-300-8575 to request that your Disney "ream Reward Dollars be transferred to a Rewards Card or if
you have any questions about the Disney Rewards Program.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
08/27 Payment - Thank You -130.90
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .02740% 10.00% $1,565.37 $1330 $0.00 $0.00 $13.30
Cash advances .02740% 10.00% $474.50 $4.03 $0.00 $000 $4.03
Total finance charges $17.33
Effective Annual Percentage Rate IAPR): 10.00%
Please see information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0600001 FIS:i3336 C 4 000 N _ 24 09199124 Pane 1 0(1 06272 MA MA 54464 20710000040005446401
X 0044
Address Change Request
Please provide information below only if the address information on front Is Ini
Street Address. ----______
City - -------
State --
'Ip. ----- -----
Home Pnone --- --- ----
Work Phone --- -__ ----
E-mall Address. ------
L
To contact us regarding your account:
O Telephone:
In
n U S. 1-800-300-8575
Espanol 1-888-446-3308
Ti 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website:
Pay by talb-1-800-436-7958 PO. Box 15298 P.O Box 15153 www chase. comldisney
Outside U.S. call collect Wi mington, DE 19850-5298 Wilmington. DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by regclar U.S mail, send at
least your minimum payment due to our Payments address shown
an this statement. Your payments by mail trust comply with the
instructions on this statement, and must be made by check or money
order, payable in J.S. Dollars, and drawn on or payable through a
U.S. financial institution or the U.S. branch of a foreign financial
institution. Do not send cash. Write your account number on your
check or money order_ Payments must be accompanied by the
payment coupon in the envelope provided with our address visible
through the envelope window. the envelope parent contain more than
one payment or coupon, and there can be no staples, paper clips, tape
or correspondence included with your payment. It your payment is
in accordance with our payment instructions and is made available
to us on any day except December 25 by 1:00 p m. local time at our
Payments address on this statement. we will credit the payment to
your account as of that day_ If your payment is in accordance with
our payment instructions. but is made available, to us after 100 p.m
local time at our Payments address on this statement, we will credit it
to your account as of the next day. If you do not follow our payment
instructions or if your payment is not sent by regular U S (nail to
our Payments address, crediting of your payment may be delayed for
up to 5 days. Payments made electronically through our automated
telephone service.. Customer Service advisors. or our web site will be
subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments.
missed payments or other defaults on your account may be reflected in
your credit report . Ifyou think vie have reported inaccurate information
to a credit bureau. you may virile to us at the Inquiries address shown
on this statement
Notice About Electronic Check Conversion: When you pay by check
you authorize us either to use Information from your check to make
a one-time electronic fund transfer from your account or to process
the payment as a check transaction When we use information
from your check to make an electronic fund transfer, funds may be
withdrawn from your account as soon as the sarne day we receive your
payment, and you will not receive your check back from your financial
institution. Call the Customer Service number or this statement if you
have questions about electronic check collection or do not want your
payments collected electronically.
Conditional Payments: Any payment check or other form of payment
that you send us for less than the full balance due that is marked 'paid
in full` or contains a similar notation. or that you otherwise tender in
hull satisfaction of a disputed amount, must be sent to Card Services.
n U Box 15049 Wilmington DE 19850-5049 We reserve all our
rights regarding these payments (e.g., if it is determined there is no
valid dispute or if any such check is received at any other address, we
may accept the check and you will still owe ary remaining balance)
We may refuse to accept any such payment by returning it to you. not
cashing it or destroying it All other payments that you make should be
sent to the regular Payments address shown on this statement
Annual Renewal Notice: If your account has a,. annual fee. it will be
billed each year or in monthly installments. whether or not you use your
account and you agree to pay it when billed. T he annual fee is non-
refundable unless you notify its that you wish to close your account
wnhm 30 days of the date we mail your statement on which the annual
fee is charged and at the same time, you pay your outstanding balance
in full. Your payment of the annual fee does not affect our rights to
-lose your account and to limit your right to make transactions on
your account If your account is closed by you or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
:end terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shovel on this statement, separately
'or each feature he g_balance transler/convenience checks and case
advance checks C check transaction'), purchases, balance transfers.
advances, promotional balances or overdraft advances) These
calculations may combine different categories with the same daily
periodic rates. If there is a' V' next to a periodic -ate on this statement.
:hat rate play vary, and the index and margin used to determine that
one and its corresponding APR are described in your Cardmember
Agreement as amended. There is a minimum finance charge in any
:rlliIT cycle in which you owe any periodic finance charges. and a
:ransaction finance charge for each balance transfer. cash advance_
or check transaction. In the amounts stated in your Cardmember
Agreement as amended_
To get the daily balance for each day of the current billing cycle.
eve take the beginning balance for each feature. add any new
transactions or other debris (Including fees, unpaid finance charges
and other charges). subtract any payments or credits. and make other
adjustments_ Transactions are added as of the transaction date, the
beginning of the billing cycle in which they are posted to your account,
or a larar ^ate of our rhowe (except that check transactions are added
as of the date deposited by the payee ora later date of our choice). Fees
are added either on the date of a related transaction, the date they are
pasted to ,cs a-count or the last day of the billing cycle_ This gives
us that day's daily balance_ A credit balance is treated as a balance of
zero If a daily periodic rate applies to any feature, we multiply the daily
balance by the dally periodic rate to get your periodic finance charges
for that day. We then add these periodic finance charges to your daily
balance to get the beginning balance for the next day. (If more than one
daily periodic rate could apply based on the average daily balance. we
will use the daily periodic rate that applies far the average dally balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each day.)
To get your total periodic finance charge for a bl ing cycle when a
dally periodic rate(s) applies, we add all of the daily periodic finance
charges for all features. To determine an average daily balance. we
add your daily balances and divide by the number of the days in the
applicable billing cycle(s). It you multiply the average daily balance for
each feature by the applicable dally periodic rate, and then multiply
each of these results by the number of days in the applicable billing
cycle(s), and then add all of the results together. the total will also
equal the periodic finance charges for the biding cycle.. except for
minor variations due to round rut To get your total periodic finance
charge for a Upring cycle when a monthly periodic rate(s) applies_
multiply the average daily balance for each feature by the applicable
monthly periodic rate and add the results together. The total will equal
the periodic finance charges for the billing cycle, except for minor
variations due to rounding
Grace Period (at least 20 days): We accrue periodic finance charges
on a transaction. fee. or finance charge from the date It is added to
your daily balance until payment in full is received on your account.
However, we do not charge periodic finance charges on new purchases
billed during a billing cycle if we receive both payment of your New
Balance an your current statement by the date and time your payment
s due and also payment of your New Balance on your previous
statement by the date and tune your payment was due. There is no
grace period for balance transfers. rash advances. check transactions.
or overdraft advances.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill
is wrong, or if you need more information about a transaction on your
bill. write Customer Service on a separate sheet at P.O. Box 15299
Wilm irgon. DE 19850-5299 as soon as possible We must hear from
,,,on no later than 60 days after we sent you the first bill on which the
error c: ; ?blem appeared. You can telephone us, but doing so will not
preserve your rights_ In your letter. give us the following Information.
• Your name and account number
• The dollar -iouirt of the suspected error
Describe the error and explain, if you can. why you believe there is
an error. It you need more information, describe the Item you are
unsure about_
You do not have to pay any amount in question while we are
investigating. but you are still obligated to pay the parts of your bill
that are not in question. While we investigate your question, we
cannot report you as delinquent or take action to collect the amount
you question. If you have authoirzed us to pay ynlr credit card bill
automatically from your savings or checking accour , you can stop the
payment on any amount you think is wrong To stop the payment, your
letter or call (using the Inquires address or Customer Service telephone
numhershowm on this statent ll must reach treat least three business
days before the automatic payment is scheduled to occur
Special Rule for Credit Card Purchases: If you have a problem with
the quality of goods or services that you purchased with a credit card
(excluding purchases made with a check). and you have tried in good
faith to correct the problem who the merchant, you may not have to
pay the remaining amount due on the goods or services. You have this
protection only vvhen the Purchase price was more than S50 and the
purchase was made in yr,,1r, hnme state or wdhut 100 miles of your
loading address_ These limitarnns do not apply if we oven or operate
the merchant. or if we mailed you the advertisement for the property
or servires_
MAI 11408
Payment Due Date New Balance ?Pas?t Due Amount Minimum Payment
1 11/18/09 $1,956.73 I $0.00 $39.00
Account number: 4266 9020 1285 6298
Make your check payable to:
Chase Card Services.
Please write amount enclosed
New address or e-mail? Print on hack
42669020128562980000390000195673000000000000007
C7042 BEX Z 2910, C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
1: 5000 160 281: L84 20 L 28 5 6 2 98 2110
ld
REWARDSP
VISOCARD FROM CHASF
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
D Statement Date: .
09/25/09 - 10124109
i Manage your account online:
REWARDS'
vismCARD FROM CHASE www.chase. com/disney
Minimum Payment: $39.00
Payment Due Date: 11118109
Additional ontact information
ACCOUNT SUMMARY Account Number: 4266 9020 1285 6298 conveniently Iucated on reverse side
Previous Balance $2,040.36 Total Credit Line $2,000
Payment, Credits -$100.00 Available Credit $43
Finance Charges +$16.37 Cash Access Line $400
New Balance $1,956.73 Available for Cash $0
DISNEY DREAM REWARD DOLLARS®
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney Rewards(,) or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards AO Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
The terms and conditions of the Disney Rewards AO Program apply to the use of Disney Dream Reward DollarsC. and may be
modified by Chase or Disney Rewards, LLC at any time. Your account must remain in good standing to earn or request redemption
of Disney Dream Reward Dollars. Disney Dream Reward Dollars are non-transferable, have no cash or monetary value and
cannot be used towards payment at unauthorized locations and payment of an outstanding balance on your Disney RewardsOO
VisaO Card. Please visit DisneyRewards.com or call 1-800-300-8575 to request that your Disney Dream Reward Dollars be
transferred to a Disney Rewards@ Redemption Card or if you have any questions about the Disney Rewards Program.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
10/08 Payment - Thank You -100.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .02740% 10.00% $1.513.20 $12.44 $0.00 $0.00 $12.44
Cash advances .02740% 10.00% $478.48 $3.93 $0.00 $0.00 $3.93
Total finance charges $16.37
Effective Annual Percentage Rate (APR): 10.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 `153;1136 C 4 000 N 24 09/10124 Page I oll 06272 MAMA 07042 29610000040000704201
X 0044
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address. --__---._------
City ------------------
State --
Zip. ----- -----
Home Phone --- --- ----
Work Phone. - - ---_
F_-mail Address.
To contact us regarding your account:
C By Telephone:
?
?
In U.S. 1-800-300-8575
Espanol 1--800888--955446--8060 3308
TDD 1
Send Inquiries to:
Mail Payments to:
Visit Our Website:
Pay by phone 1-800-436-7958 P.J. Box 15298 P.O. Box 15153 www. chase. com(disney
Outside J S. call collect Wamington, DE 19850-5 298 Wilmington. DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by reg filar U.S. mad, send at
least your minimum payment due to our Payments address shown
on this statement. Your payments by mail must comply with the
instructions on this statement. and must be made by check or money
order, payable in U.S. Dollars, and drawn on or payable through a
U_S financial institution or the U.S. branch of a foreign financial
institution. Do not send cash. Write your account number on your
check or money order- Payments must be accompanied by the
payment coupon in the envelope provided with our address visible
through the envelope window. the envelope cannot contain more than
one payment or coupon, and there can be no staples, paper clips, tape
or correspondence included with your payment. If your payment is
in accordarce with our payment instructions and is made available
to us on any day except December 25 by 1:00 p in local time at our
Pavments address on this statement. we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions, but ;a made available to us after 1:00 p.m.
local time at our Payments address on this statement, we will credit it
to your account as of the next day- If you do riot follow our payment
instructions or if your payment is not sent by regular U.S mail to
cur Payments address, crediting of your payment may be delayed for
Lip to 5 days. Payments made electronically though our automated
telephone service, Customer Service advisors, or our web site will he
subject to any processing times disclosed for those payments.
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments.
missed payments or other defaults on your acccunt may be reflected in
your credit report If you think we have reported inaccurate information
to a credit bureau. you may write to us at the Inquiries address shown
on this statement.
Notice About Electronic Check Conversion: When you pay by check,
you authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process
the payment as a check transaction. Wher we use information
from your check to make an electronic fund transfer, funds may be
vvithdrawn from your account as soon as the same day we receive your
payment. and you will not receive your check back from your financial
institution. Call the Customer Service number on this statement if you
have questions about electronic check collection or do not want your
payments collected electronically.
Conditional Payments: Any payment check or other form of payment
that you send us for less than the full balance due that is marked "paid
in full- or contains a similar notation, or that yen otherwise tender in
fuii satisfaction of a disputed amount. must be sent to Card Services,
?'0 Box 15049 Wilmington. DE 19850-5049 We reserve all our
rights regarding these payments (e.g_. if it is determined there is no
valid dispute or if any such check is received at any other address. we
may accept the check and you will still owe any remaining balance).
We may refuse to accept any such payment by returning it to you. not
cashing it or destroying it. All other payments that you make should be.
sent to the regular Payments address shown or this statement
Annual Renewal Notice: If your account has an annual fee. it will be
billed each year or in monthly installments, whehler or not you use your
account and you agree to pay it when billed. -.-he annual fee is non-
refundable unless you notify us that you wish to close your account
within 30 days of the date we mail your statement on which the annual
tee is charged and at the same time, you pay your outstanding balance
in full Your payment of the annual fee does not affect our rights to
close your account and to limit your right to make transactions on
your account. If your account is closed by you or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
inc, terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges,
using the applicable periodic rates shown on this statement, separately
for each feature (e.g..balance transfer/convenience checks and cash
advance checks ('check transaction"), purchases, balance transfers.
.ash advances. Promotional balances or overdraft advances). These
.alcaiations may combine different categories with the same daily
per odic rates. It there is a `W next to a periodic rate on this statement.
that rate may vary, and the index arid margin used to determine that
rate arc its corresponding APR are described in your Cardmember
Agreement. as amended. There is a minimum finance charge in any
rolling cycle in which you ovve any periodic finance charges. and a
*ransaction finance charge for each balance transfer. cash advance,
ur check transaction in the amounts stated in your Cardmember
Agreement as amended.
To net the daily balance for oec" day Of the current billing cycle,
we take the beginning Dalance for each feature. ado any new
transactions or hill debits (inciuding fees, unpaid finance charges
and other charges). subtrat.t anv payments or credits. and make other
adjustments. Transactions are added as of the transaction date, :he
beginning of the billing cycle in whrnh they are posted to your account,
or a later date of our choice (except that check transactions are added
as of ii,, -tc deposited by the payee or a later date of our choice)- Fees
are added either on the date of a slated transaction, the date they are
posted to your account, or the last day of the billing cycle. This gives
us that day s carry balance. A credit balance is treated as a balance of
zero If a daily periodic rate applies to any feature, we multiply the daily
balance by the daily periodic rate to get your periodic finance charges
for that day. We then add these periodic finance charges to your dairy
balance to get the beginning balance for the next day- Qf more than one
daily periodic rate could apply based on the average daily balance, we
will use the daily periodic rate that applies for the average daily balance
amount at the end of the billion cycle to calculate the daily periodic
finance charge each day.)
To get your total periodic finance charge for a bi ing cycle when a
daily periodic rate(s) applies, we add all of the daffy periodic finance
charges for all features To determine an average daily balance we
add your daily balances and divide by the number of the days in the
applicable billing cycle(s). If YOU multiply the average daily balance for
each feature by the apphcable daily periodic rate, and then multiply
each of these results by the number of days in the applicable billing
cycle(s), and then add all of the results together the total will also
equal the periodic finance charges for the billing cycle. except for
minor variations due to rounding To get your total periodic finance
charge for a hilling cycle when a monthly periodic rate(s) applies.
multiply the average daily balancc for each feature by the applicable
monthly periodic rate and add the results together- The total will equal
the periodic finance charges for !re, billing cycle. except for minor
variations due to rounding
Grace Period (at least 20 days): We accrue periodic finance charges
on a transaction. fee, or finance charge from the date it is added to
your daily balance until payment in tuli is received on your account.
However we do not charge perlod,c finance charges on new purchases
billed during a billing cycle if we receive both payment of your New
Balance on your current statement by the date and time your payment
is due and a;so payment Of your New Balance on your previous
statement by the date and time your payment Was due. There is no
grace period for balance transfers, cash advances. check 'ransactio9s.
or overdraft advances.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: It you think your bill
is wrong, or if you need more information about a transaction on your
bill. write Customer Service on a separate sheet at P 0 Box 15299
Wilmington, DE 19850-5299 as soon as possible We must hear from
you no later than 50 days after vie sent you the first bill on which the
error or problem appeared- You can telephone us, but doing so will rot
preserve your rights. In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe the error and explain. if you can, vahy you believe there is
an error. If you need more information. describe the den you are
unsure about.
You do not have to pay any amount in question while we are
?Irvesttgating but you are still obligated to pay the parts of your bill
that are not in question- While we investigate your question, we
cannot report you as delinquent or take action to collect the amount
you question. If you have authorized us to pay your credit card bill
auto nablcally from your savings or checking ascour you can stop the
payment on any amount you think is wrong To stop the payment your
otter or call (using the Inquiries address or Customer Service telephone
number shoran on this statement) must reach us at least three business
days before the automatic payment is scheduled to occur
Special Rule for Credit Card Purchases: If you have a problem with
the quality of goods or services that you purchased with a credit card
(excluding purchases made with a check). and you have tried in good
faith in correct the problem with the merchaot. you may not have to
pay the remaining amount due on the goods or services- You have this
protection only when the purchase price was more than S50 and the
purchase was made in your home state or within 100 miles of you,
mailing address. These limitations do not apply if we own or operate
the merchant or if we mailed you the advertisement for the property
or services
Pnhr r NUB
Payment Due Date New Balance ?Passtt Due Amount Minimum Payment
1 12119/09 $2.001.47 I $,39.00 $103.00
Account number: 4266 9020 1285 6298
Make your check payable to:
Chase Card Services.
Please write amount enclosed.
New address or e-mail? Print on back
O
RIEWARDT1
vls-ARD FROM CHASE
42669020128562980001030000200147000000000000002
,,3710 BEX 2 32809 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257 9663
I,f,llltl„I„If I„It,ll,t,l,l,t„11,1,1,,.11„1,1,,.11„II„I
1:5000 L60 281: L84 20 L 2856 e98 211'
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
O Statement Date:
10/25/09 - 11/24/09
REWARDS Manage your account online:
ViSMCARD Pa HCHASE www. chase. co_m/disney
Minimum Payment: $103.00
Payment Due Date: 12/19109
Additional ontact information
ACCOUNT SUMMARY Account Number: 4266 9020 1285 6298 conveniently k cated on reverse side
Previous Balance $1,956.73 Total Credit Line $2,000
Purchases, Cash, Debits +$28.00 Available Credit $0
Finance Charges +$16.74 Cash Access Line $400
New Balance $2.001.47 Available for Cash $0
DISNEY DREAM REWARD DOLLARS@ I
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney RewardsO or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney RewardslJ Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimwn
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
11/19 LATE FEE 28.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .02740% 10.00% $1,487.71 $12.64 $0.00 $0.00 $12.64
Cash advances .02740°6 10.00% $482.50 $4.10 $0.00 $0.00 $4.10
Total finance charges $16,74
Effective Annual Percentage Rate (APR): 10.00%
Please see information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000 001 FIS333336 C 4 009 N 24 0111124 Page 1 of 1 06272 MA MA 51730 3281000004000537"001
X '0044 INS 13877
Address Change Request
Please provide information below only if the address information on front is incorrect.
----------
Street Address
. -----------------
City -------------------
State --
Zip. ----- ----
Home Phone: --- --- -----
Work Phone. --- --- ----
E-mail Address: --_----__-----. -- --- --
To contact us regarding your account:
O By Telephone: ' i;
In U.S. 1-800-300-8575 -
Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website:
TDD 1-800-955-8060
Pay by phone 1-800-436-7958
P.O. Box 15298
P.O. Box 15153 www. chase.com/disney
Outside U.S call collect Wimington, DE 19850-5 298 Wilmington, DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by regular U.S mail, send at
least your minimum payment due to our Payments address shown
on this statement. Your payments by mail must comply with the
instructions on this statement. and must be made by check or money
order. payable in U.S. Dollars, and drawn on or payable through a
U.S. financial institution or the U.S. branch of a foreign financial
institution. Do riot send cash. Write your account number on your
check or money order Payments must be accompanied by the
payment coupon in the envelope provided with our address visible
through the envelope window the envelope cannot contain more than
one payment or coupon; and there can be no staples. paper clips, tape
or correspondence included with your payment. It your payment is
in accordance with our payment instructions and is made available
to its on any day except December 25 by 1 00 p in local time at our
Payments address on this statement. we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions, but is made available to us after 1:00 p.m.
local tinhe at our Payments address on this statement, we will credit it
to your account as of the next day If you do riot follow our payment
Instillations or it your payment is not sent by regular U,S mail to
our Payments address, crediting of your payment may be delayed for
up to 5 days. Payments made electronically through our automated
telephone service. Customer Service advisors, or our web site will be
subject to any processing times disclosed for those payments
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments.
missed payments or otter defaults on your account may be reflected in
yon credit report - If you think we have reported inaccurate information
to a credit bureau. you may write to us at the Inquiries address shown
on tnls statement
Notice About Electronic Check Conversion: When you pay by check
von authorize us either to use information from your check to make
a one-time electronic fund transfer from your account or to process
tie payment as a check transaction. When vie use information
from your check to make an electronic fund 'ransfer, funds may be
withdrawn from your account as soon as the same day we receive your
payment, and you will not receive your check back from your financial
institution Call the Customer Service number on this statement it you
nave questions about electronic check collection or do not want your
payments collected electronically
Conditional Payments: Any payment check or other form of payment
that you send us for less than the full balance due that is marked ' paid
in full' or contains a similar notation, or that }ou otherwise tender in
full satisfaction of a disputed amount, must he sent to Card Services.
P 0 Box 15049 Wilmington. DE 19850-5049 We reserve all our
rights regarding these payments (e.g.. If it is determined there is no
valid dispute or if any such check is received a' any other address, we
may accept the check and you will still ooze any remaining balance)
We may refuse to accept any such payment by returning it to you. not
cashing it or destroying it All other payments that you make should be
sent to the regular Payments address shown on this statement
Annual Renewal Notice: If your account has an annual fee, it will be
billed each year or in monthly installments. whe`.her or riot you use your
account and you agree to pay it when billed. The annual fee is non-
refundable unless you notify us that you wish to close your account
vMlrin 30 days of the date we mail your statement on which the annual
fee is charged and at the same time. you pay your outstanding balance
in full. Your payment of the annual fee does got affect our rights to
close your account and to hunit your right to make transactions on
your account. If your account is closed by you or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement, separately
fog each feature (e.g_balance transfer/convenience checks and cash
advance checks ("check transaction'), purchases, balance transfers.
cash advances, promotional balances or overdraft advances). These
calculations may combine different categories with the same daily
parodic rates- If there is a' V' next to a periodic, rate on this statement.
that rate may vary, and the index and margin used to determine that
rate and its corresponding APR are described in your Cardmember
Agreement. as amended. There is a minimum finance charge in any
billing coda in which you owe any periodic finance charges, and a
transaction finance charge for each balance transfer. cash advance.
cr check transaction. in the amounts static' in your Cardmember
Agreement as amended.
To net the daily balance for eecl day of the current bllbng cycle,
we take the beginning balance lot each feature, add any new
transactions or other debits (including fees, unpaid finance charges
and other charges). subtract any payments or credits. and make other
adjustments. Transactions are added as of the transaction date, the
beginning of the billing cycle in which they are posted to your account.
or a later date of our choice (except that check transactions are added
os of 1he.rete deposited by the payee ora later date of our choice)- Fees
are added either on the date of a related transaction, the date they are
pasted to your account. or the last day of the billing cycle. This gives
us that days 'lal; balance. A credit balance is treated as a balance of
zero If a daily periodic rate applies to any feature. we multiply the daily
balance by the dally periodic rate to get your periodic finance charges
for that day. We then add these periodic finance charges to your daily
balance to get the beginning balance for the next day. (If more than one
dally periodic rate could apply based on the average daily balance. we
will use the daily periodic rate that applies for the average daily balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each (lay )
To get your total periodic finance charge for a bring cycle when a
daily periodic rate(s) applies, we add all of the dal y periodic finance
charges for all features. To determine an average daily balance. we
add your daily balances anti divide by the number of the days in the
applicable belling cycle(s). It you multiply the average daily balance for
each feature by the applicable daily periodic rate, and then multiply
each of these results by the number of days in the applicable billing
cycle(s), and then add all of the results together. the total will also
equal the periodic finance charges for the billing cycle. except for
minor variations due to rounding To get your total periodic finance
charge for a billing cycle when a monthly periodic rate(s) applies.
multiply the average daily halance for each feature by the applicable
monthly periodic rate and add the results together The total will equal
the periodic finance charges for the billing cycle, except for minor
variations due to rounding.
Grace Period (al least 20 days): We accrue periodic finance charges
on a transaction. fee. or finance charge from the date it is added to
.
your daily balance until payment in full is received on your accourt
However, we do not charge periodic finance charges on new purchases
billed during a billing cycle if we receive both payment of your New
Balance on your current statement by the date and time your payment
is due and also payment of your New Balance on your previous
statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances. check transactions.
or overdraft advances.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bill
is wrong. or it you need more information about a transaction an your
bill write Customer Service on a separate sheet at P 0 Box 15299
Wilmington, DE 19850-5299 as soon as possible- We must hear from
you no later than 60 days after we sent you the first bill on which the
error or problem appeared You can telephone us, but doing so will not
presel%- , ^ur rights- In your letter, give us the following information.
• Your name and account number
• The dollar amount of the suspected error
• Describe ill, ei.ur and explain. if you can, achy you believe there is
an error it you need more infonnabon. describe the item you are
unsure about.
You do riot have to pay any amount in question while we are
investigating. but you are still obligated to pay the parts of your bill
that are not in question. While we investigate your question, we
cannot report you as delinquent or take action to collect the amount
you question. If you have authorized us to pay your credit card bill
automatically from your savings or checking account. you can stop the
payment on any amount you think is wrong- To stop the payment, your
letter orcall (using theInquiries address orCustome Service telephone
number shown on this statement) must reach us at least three business
days before the automatic payment is scheduled to occur
Special Rule for Credit Card Purchases: If you have a problem ninth
the quality of goods or services that you purchased with a credit card
rexcluding purchases made with a check) and you have tried in good
faith to correct the problem with the merchant, you may not have to
pay the rernalning amount One on the goods or services. You have this
protection only when the purchase price was more than S50 and the
purchase was made in your home state or within 100 miles of your
mailing address- These limitations ,to not apply if we own or operate
the merchant, or if eve malted you the nivertsement for the property
or services.
41,1111408
Payment Due Date New Balance Past Die Amount Minimum Payment
1 01118110 $2,046.03 $103.00 $168.00
Account number: 4266 9020 1285 6298
Make your check payable to:
Chase Card Services.
Please write amount enclosed.
New address or e-mail? Print on back
42669020128562980001680000204603000000000000000
11960 BEX Z 35809 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
IrrtNlLrrlrrl,LlrLLrrlltlrrrllrrrll,r,rlL,rIJrllrrrlLrl
1:5000 160 281: 184 20 L 23 5 6 2 98 211•
O ip
AIEWARDS7
v!srncnkb i wi, cues[
GARDMEMBER SERVICE
PO BOX 15153
WILMiNGTON DE 19886-5153
Statement Date.
11125/09 - 12,t24,109 O Manage your account online:
REWARDTF www chase,cam/disney
viSMCARD FROM CHAS[
Minimum Payment: $168.00
Payment Due Date: 01/18/10
Additional contact information
ACCOUNT SUMMARY Account Number: 4266 9020 1285 6298 conveniently I cated on reverse side
Previous Balance $2,001.47 Total Credit Line $2,000
Purchases, Cash, Debits +$28.00 Available Credit $0
Finance Charges +$16.56 Cash Access Line $400
New Balance $2,046.03 Available for Cash $0
Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-8200) today.
DISNEY DREAM REWARD DOLLARSO
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney Rewardsa or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards(R) Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of awards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
12120 LATE FEE 28,00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .02740% 10.00% $1,527.55 $12.56 $0.00 $0.00 $12.56
Cash advances .02740% 10.00% $486.54 $4.00 $0.00 $0.00 $4.00
Total finance charges $16.56
Effective Annual Percentage Rate (APR): 10.00%
Please see Information About Your Account section for balance computation method, grace period, and other important information
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category
.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer tees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 FIS33336 C 4 000 N Z 24 09112124 Page 1 at 1 C622 MA MA 1',960 35810000040001196001
X 0044
Address Change Request
Please provide information below only if the address information on f-I is incorrect
Street Address.
City -------------
State --
Zip. ----- -----
Home Phone: --- --- ----
Work Phone. --- --- ----
E-mail Address. -_--_---_______________---- _
L
To contact us regarding your account:
By Telephone:
8575 7
S
1
O in U
800
300
.
-
.
-
-
Espanol 1-886-446-3308 Send Inquiries to, Mail Payments to.
TOO 1-800-955-8060 Visit Our Wei
Pay by phone l-800-436-7958 P, D. Box 15298 P O. Box 15153 www. chase. com/dtsney
Outside US call collect VV Imington, DE 19850-5298 Wilmington. DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by reg filar U S mail send at
least your minimum payment due to our Payments address shown
an this statement. Your payments by mail must comply with the
instructions or this statement, and must be made by check or money
order. payable in U.S. Dollars, and drawn on or payable through a
Ll S financial institution or the U S. branch of a foreign financial
institution. Do not send cash. Write your account number on your
check or money order. Payments must be accompanied by the
payment coupon in the envelope provided w4h our address visible
through the envelope window. the envelope cannot contain more than.
one payment or coupon:. and there can be no staples, paper clips, tape
or correspondence included with your payment. If your payment is
in accordance with our payment instructions and is made available
to us on any day except December 25 by 100 p on. local time at our
Payments address on this statement. we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions, but is made available to us after 1 00 p.m
local time at our Payments address on this statement, we will credit it
to your account as of the next day. If you do not follow our payment
instructions or if your payment is not sent by regular U.S mail to
our Payments address, crediting of your payment may be delayed for
up to 5 days. Payments made electronically through our automated
telephone service, Customer Service advisors, or our web site will be
subject to any processing times disclosed for those payments
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments.
missed payments or other defaults on your account may be reflected in
yew credit report . It you think we have reported inaccurate Iniormation
to a credit tureau. VOL] may write to us at the Irquiries address shown
on this statement
Notice About Electronic Check Conversion: When you pay by check
vat authorize us either to use information from your check to make
a one time electronic fund transfer from your account or to process
the payment as a check transaction- When we use information
from your check to make an electronic fund transfer, funds may be
wdhdrawn from your account as soon as the sane day we receive your
payment. and you will not receive your check back from your financial
institution. Call the Customer Service number on this statement if you
have questions about electronic check collection or de not want your
payments collected electronically.
Conditional Payments: Any payment check or other form of payment
that you send us for less than the full balance die that is marked 'paid
in full' or contains a similar notation, or that you otherwise. tender in
lull satisfaction of a disputed amount, must be sent to Card Services.
P D Box 15049 Wilmington DE 19850-5049 We reserve all our
rights regarding these payments (e.g_. if it is determined there is no
valid dispute or if any such check is received at any other address, we
may accept the check and you will still owe any remaining balance).
We may refuse to accept any such payment by returning it to you. not
cashing it or destroying it All other payments that you make should be
sent to the regular Payments address shown on this statement.
Annual Renewal Notice: If your account has an annual fee.. it will be
billed each year or in monthly installments. whether or not you use your
account. and you agree to pay it when billed. The annual fee is non-
refundable unless you notify its that you wish to close your account
witnin 30 days of the date we mail your statement on which the annual
fee is charged and at the same time, you pay your outstanding balance
in full. Your payment of the annual fee does riot affect our rights fo
close your account and to limit your right to make transactions on
your account. It your account is closed by you or us, we will continue
tip charge the annual fee until you pay your outstanding balance in full
and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement, separately
for each feature (e.g balance transfer/convenience checks and cash
advance checks ("check transaction"), purchases, balance transfers.
cast advances, promotional balances or overdraft advances). These
calculations may combine different categoner, with the same daily
periodic rates. If there is a'V' next to a periodic rate on this statement.
that rate ray vary, and the index and margin used to determine that
rate and its corresponding APR are described in your Cardmember
Agreement as amended. There ?s a minimum finance charge in any
billing cycle in which you owe any periodic finance charges. and a
transaction finance charge for each balance transfer. cash advance.
or check transaction in the amounts stated in your Cardnhember
Agreement. as amended.
`o get the daily balance !m each day of the currant hiring cycle,
sae take the oegnmtng balance for each h;ature, ado any new
transactions or other debris pi,juding fees. unpaid finance charges
and other charges). subtract any payments or credits and make other
adjustments. Transactions are added as of the transaction date, the
beginning of the hiring cycle in winch they are posted to your account,
or a later date of our choice (except that check transactions are added
as of the date deposited by the payee or a later date of our choice)- Fees
are added either on the date of a related transaction, the date they are
nostea our account, or the last day of the billing cycle. This gives
us that day's daily balance. A credit balance is treated as a balance of
zero- If a daily periodic rate applies to any feature, we multiply the dally
balance by Inc daily periodic rate to gel your periodic finance charges
for that day. We then add these periodic finance charges to your daily
balance to get the beginning balance for the next day- (If more than one
daily periodic rate could apply based on the average daily balance, we
will use the daily periodic rate mat applies for the average daily balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each day.)
To get your total periodic finance charge for a billing cycle when a
daily periodic raters) applies, we add all of the da ly periodic finance
charges for all features to determine an average daily balance, we
add your daily balances and divide by the number of the days in the
applicable hilling cycle(s). it you multiply the average daily balance for
each feature by the applicable dairy periodic rate, and then multip'ry
each of these results by the nurnber of days in the applicable billing
cycle(s). and then add all of the results together. the total will also
equal the periodic finance charges lot the bluing cycle, except for
minor variations due to rounding To get your total periodic finance
charge fur a hilling cycle when a monthly periodic rate(s) applies.
multiply the average daily halance for each feature by the applicable
merthly periodic rate and add the results together. The total will equal
the periodic finance charges for the billing cycle except for minor
variations due to rounding
Grace Period (at least 20 days): We accrue periodic finance charges
on a transaction fee. or finance charge front the date it is added to
your daily balance untru payment in full is received on your account
However. we do not charge periodic finance charges on new purchases
billed during a billing cycle if we receive both payment of your New
Balance on your current statement by the date and time your payment
is due and also payment of you, New Balance on your previous
statement by the date and little your payment was due. There is no
grace perioa for balance transfer,, cash advances. check transactions.
or overdraft advances
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you thin< your bill
is wrong. or it you need more information about a transaction on your
bill. write Customer Service on a separate sheet at P.0. Box 15299
Wilmington, DE 19850-5299 as soon as possible We must hear from
VOL] no later than 60 days after we sent you the first bill on which the
error or problem appeared. You can telephone us, but doing so will not
preserve your rights. In your letter. give us the (alloying information.
• Your name and account number
• The polar amount Of the suspected error
Describe the error and explain, if you can. why you believe there is
an error. If v:-r need more information. describe the item you are
unsure about.
You do not have to pay any amount in question while we are
investigating. but you are still eDogafed to pay the parts of your bill
that are not in question While tee investigate your question, we
cannot repot you as delinquent or take action to collect the amount
you question. If you have authorised us to pay your credit card bill
auromatically from your savings or checking account, you can stop the
payment on any amount yon think is wrong To stop the payment. your
otter or call (using the Inquires address or Custome - Service telephone
number shown on this Statement I must reach us at k ast three business
days before the automatic payment is scheduled to occur
Special Rule for Credit Card Purchases: If you have a proolem with
the quality of goads or services that you purchased with a credit card
(excluding purchases made with a check). and you have tried in good
faith to correct the prrXern :vur, the merchant you may not have to
pay the remarning arri due on the goods nr services. You have this
piotection only hmhen the purchase price a,ah more than S50 and the
purchase was made m your I,o estate or wdhln 100 miles of your
mailing address. These limitations do not apojy if we own or operate
the merchant, or it we mailad you the advertisement for the coppery,
or services
-
raniI14W
Payment Due Date New Balance Past Due Amount Minimum Payment
1 02118/10 $2,134.41 I $168.00 $277.00
Account number: 4266 9020 1285 6298
Make your check payable to:
Chase Card Services.
Please write amount enclosed.
New address or -.0 Prim[ on baci,
wiSH1?'p
REWARDS
111-00'Rn -,[
426690201285629800027'70000213441000000000000009
62499 BFx Z 02410 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
Irlrll 1r1r11rrl11rrl,rllr1rl11,rr111r111rrrllrrlllrrrlllrllrll
111rIILrrIrlldrLlJrr111Jr1rILrrlLrrr111rrlJrllr,rllrrl
1: 5000 160 281: 184 20 i 28 S6 298 211•
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
Statement Date.
12125/09 - 01/24/10
REWARDS Manage vour account online:
wsxcApo aa0r7 CPA E www.cha Vie corn/djsney
Minimum Payment: $277.00
Payment Due Date: 02/18/10
Additional contact information
ACCOUNT SUMMARY Account Number: 4266 9020 1285 6296 conveniently located on reverse side
Previous Balance $2,046.03 Total Credit Line $2.000
Purchases, Cash. Debits +$39.00 Available Credit $0
Finance Charges +$49.38 Cash Access Line $400
New Balance $2,134.41 Available for Cash $0
The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card
account for purchases. We can help you get back on track. Call 1-800-955-8030 (collect 1-302-594-8200) today.
DISNEY DREAM REWARD DOLLARS@
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney RewardsO or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description Amount
01;19 LATE FEE 39.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Carresp. Average Daily Due To Fee I Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases .07668% 27.99% $1,583.01 $37.63 $0.00 $0.00 $37.63
Cash advances .07668% 27.99% $494.28 $11.75 $0.00 $0.00 $11.75
Total finance charges $49.38
Effective Annual Percentage Rate (APR): 27,99%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category
.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
0000001 FIS333'iF C4 000 N 24 10101124 Page 1 A 1 Oh2]2 'AA MA 6249= (2410000040006249901
X 0044
Address Change Request
Please provide information below only if the address information on front is incorrect
Street Address. _-__---__---
---------------
City -------------------
State --
Zip --__-
Home Phone --.--
Work Phone. --_ --- ---_
E mail Address. ___--------------------
L
To contact us regarding your account:
By Telephone:
O
V
f
In U S. 1-800-300-8575 i
V
Espanol 1-888-446-3308
TDD 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website:
Pay by phone 1-800-436-7958 P.O. Box 15298 P.O. Box 15153 wwvv. chase corn/disney
Outside U.S. call collect Wamington. DE 19850-5 298 Wilmington, DE 19886-5153
1-302-594-8200
Information About Your Account
Crediting of Payments: For payments by regular U.S mail, send at
least your minimum payment due to our Payments address shown
on this statement. Your payments by mail must comply with the
instructions on this statement, and must be made by check or money
order. payable in U.S. Dollars and drawn on or payable through a
U.S financial institution or the U.S. branch of a foreign financial
institution, Do not send cash. Write your account number on your
check or money order Payments must be accompanied by the
payment coupon in the envelope provided wth our address visible
through the envelope window- the envelope cannot contain more than
one payment or coupon, and there can be no staples, paper clips, tape
or correspondence included with your payment. It your payment is
in accordance with oar payment instructions and is made available
o us on any day except December 25 by 1:00 p m. local time at our
Payments address on this statement. we will credit the payment to
your account as of that day. If your payment is in accordance with
our payment instructions, but is made available to us alter 1:00 pnn
local time at our Payments address on this statement, we will credit it
to your account as of the next day. If you do riot follow our payment
instructions or if your payment is not sent by regular U.S. mail to
our Payments address, crediting of your payment may be delayed for
up to 5 days. Payments made electronically through our automated
telephone service. Customer Service advisors, or our web site will be
subject to any processing times disclosed for tiose payments
Account Information Reported to Credit Bureaus: We may report
information about your account to credit bureaus. Late payments
missed payments or other defaults on youraccount may be reflected in
your credit report . If you think we have reported inaccurate information
to a credit bureau, you may write to us at the Inquiries address shown
on this statement.
Notice About Electronic Check Conversion: When you pay by check,
you authorize us either to use informatlDn iron your check to make
a one-time electronic fund transfer train your account or to process
the payment as a check transaction. Whet. we use information
from your check to make an electronic fund transfer, funds may he
vtithdrawn from your account as soon as the same day we receive your
payment. and you will not receive your check back from your financial
institution. Call the Customer Service number cn this statement if you
have questions about electronic check collection or do not want your
payments collected electronically.
Conditional Payments: Any payment check or other form of payment
that you send us for less than the full balance doe that is marked 'paid
in full' or contains a similar notation. or that you otherwise tender in
full satisfaction of a disputed amount, must be sent to Card Services,
P 0 Box 15049 Wilmington. DE 19850-5049 We reserve all our
rights regarding these payments (e .g., if it is determined there is no
vahel dispute or if any such check is received at any other address, we
may accept the check and you will stilt owe any remaining balance)
We may refuse to accept any such payment by returning it to you. not
cashing it or destroying it- All other payments that you make should be
sent to the regular Payments address shown on this statement
Annual Renewal Notice: If your account has an annual fee.. it will be
billed each year or in monthly installments. whether or not you use your
account and you agree to pay it when billed. The annual fee is non-
relurdame unless you ability u8 that you wish to close your account
within 30 days of the date we mail your statement on which the annual
fee is charged and at the same time. You pay your outstanding balance
in h1Ii Your payment of the annual fee does rot affect our rights to
close your account and to limit your right to make transactions on
your account. If your account is closed by you or us, we will continue
to charge the annual fee until you pay your outstanding balance in full
and terminate your account relationship.
Explanation of Finance Charges: We calculate periodic finance charges.
using the applicable periodic rates shown on this statement, separately
for each feature (e.g,.balance transfenconvenwrice checks and cash
advance checks (`check transaction"), purchases, balance transfers.
cash advances, promotional balances or overdraft advances). These
calculations may combine different categories. with the same daily
periodic rates. It there is a `V' next to a periodic rate on this statement.
trat rate may vary, and the index and margin used to determine that
rate and its corresponding APR are described in your Cardmember
Agreement. as amended. There is a minimum finance charge in any
billing cycle in v?hich you owe any periodic finance charges, and a
transaction finance charge for each balance transfer, cash advance.
or check transaction. in the amounts stated in your Cardmember
Agicarnent. as amended-
To get the daily balance for each day of the current billing cycle,
-e take the beginning balance for each feature, add any new
Iransac- s or other debits (Including fees. unpaid finance charges
and other charges) subtract any payments or credits, and make other
adjustments. Transactions are added as of the transaction date, the
beginning of J,e uiiiing cycle in which they are posted to your account,
or a later date of our choice (except that check transactions are added
as of the date deposited by the payee Ora later date of our choice). Fees
are added either on the date of a related transaction, the date they are
posted to your account, or the last day of the billing cycle. This gives
us that day's daily balance. A credit balance s treated as a balance of
zero If a daily periodic rate applies to any feature. we multiply the daily
balance by the daily periodic rate to get your periodic finance charges
for that day. We then add these periodic finance of arges to your daily
balance to get the beginning balance for the next day (If more than one
daily periodic rate could apply based on the averagr daily balance, we
will use the daily periodic rate that applies for the average dally balance
amount at the end of the billing cycle to calculate the daily periodic
finance charge each day 1
To get your total periodic finance charge for a billing cycie when a
daily periodic rate(s) applies, we add all of the daily periodic finance
charges for all features. To determine an average daily balance. we
add your dally balances and divide by the number of the days in the
applicable billing cycle(s). It you multiply the average daily balance for
each feature by the applicable daily periodic rate. and then mullipiy
each of these results by the number of days in the applicable billing
cycle(s), and then add all of the results together, the total will also
equal the periodic finance charges for the bining cycle. except for
minor variations due to rounding To get your total periodic finance
charge for a billing cycle when a monthly periodic rate(s) applies,
multiply the average daily halance for each feature by the applicable
monthly periodic rate and add the results together. The total will equal
the periodic finance charges for the billing cycle, except for miner
variations due to rounding
Grace Period (at least 20 days): We accrue periodic finance charges
on a transaction fee, or finance charge from the date it is added to
your daily balance until payment in full is received on your account.
However, we do not charge periodic finance charges on new purchases
billed during a billing cycle if we receive both payment of your New
Balance on your current statement by the date and time your payment
is due and also payment of your New Balance on your previous
statement by the date and time your payment was due. There is no
grace period for balance transfers, cash advances. check transactions,
or overdraft advances.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill: If you think your bail
is wror,y. ,.r if you need more information about a transaction on your
bill. write Customer Service on a separate sheet at P 0 Box 15299
Wilmington, DF 19850-5299 as soon as possible We must hear from
you no later loan 60 days after we sent you The first bill on which the
error or problem appeared You can telephone us, but doing so will not
preserve your rights. In your letter, give us the following information
• Your name and account number
• The dollar amount of the suspected error
Describe the error and explain, it you can. why you believe there is
an error. If you need more information describe the item you are
unsure about.
You do not have to pay any amount in ques ion while vie are
investigating. but you are still obligated to pay Itu parts of your bill
that are not in question. While we investigate your question, we
cannot report you as delinquent or take action to collect the arl
you question- If you have authoc7ed us to pay your credit card bill
automatically from your savings or checking account, you can stop the
payment on any amount you hunk is wrong- To stop the payment. your
letter or call (using the Inquiries address or Customer Service telephone
number shown on this stateri must reach us at least three business
days before the automatic payment is scheduled to occur
Special Rule for Credit Card Purchases: If you have a problem with
the quality of goods or services that you purchased with a credit card
(excluding purchases made with a check). and you 11ave tried in good
faith 1o correct the problem with the merchant, you may not have to
pay the remaining amount due on the goods or services- You have this
protection only when the purchase price v,,as more than S50 and Lhr,
purchase was made an your home state or within 100 miles of your
mailing address- These limitations do not apply if we own or operate
the merchant or if we trailed you the advertisement for the property
or services
MAI11aoE
Payment Due Date New Balance Past Due Amount Minimum Payment
1 03/21110 $2,224 91 I $:?77.00 $389.00
Account number: 4266 9020 1285 62298
. Make your check payable to:
Chase Card Services.
Please write amount enclosed.
New address or e-mail? Pri l on bark.
7iEWC1"ARD!fP
visocARD PR mdHAsl
42669020128562980003890000222491000000000000000
60332 BEX Z 05510 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
11111111111111111111111111111111111111111111111111111111111111
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1:5000 160 281: 184 20 i 28 Sr. 298 2e
? Manage your account online: Additional contact informat on
wswcalio=iion cuatE www,chase .comfdisney conveniently located on reverse side
ACCOUNT SUMMARY
Account Number: 4266 9020 1285 6298
Previous Balance $2,134.41
Fees Charged +$39.00
Interest Charged .$51.50
New Balance $2,224.91
Opening/Closing Date 01/251'0 - 02/24/10
Total Credit Line $2,000
Available Credit $0
Cash Access Line $400
Available for Cash $0
PAYMENT INFORMATION
New Balance $2,224.91
Payment Due Date 03/21/10
Minimum Payment Due $389.00
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay up to a
$39.00 late fee and your APRs will be subject to increase to a
maximum Penalty APR of 27.99%.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will take
you longer to pay off your balance. For example.
If you make no You will pay off the And you will end up
additional charges balance shown on paying an estimated
using this card and this statement in total of...
each month you about...
pay..
Only the minimum 22 years $7.032
payment
If you would like information about credit counseling services, call
1-866-797-2°2'
You haven't made the required payments and your credit card account is 90 day, Pas: due. As a result, your credit bureau may be
updated with a negative rating. Please send your payment immediately or call us at 1-800-955-8030 (collect 1-302-594-8200.1 today.
Important Message. You Are Overlimit!
Your statement balance exceeds your credit line. You should make a payment that includes the overbuilt amount to bring the
balance under your credit line.
DISNEY DREAM REWARD DOLLARS@
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney RewardsV or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards(R) Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description $ Amount
FEES CHARGED
02119 LATE FEE 39.00
TOTAL FEES FOR THIS PERIOD $39.00
INTEREST CHARGED
02/24 PURCHASE INTEREST CHARGE 3947
02124 CASH ADVANCE INTEREST CHARGE 12.03
TOTAL INTEREST FOR THIS PERIOD $51.50
This Statement is a Facsimile - Not an original
0000061 HS33336 G 4 000 N ; 24 10102124 Page 1 of 2 06272 MA MA 60331 15510000040006033201
X 00441NS14496
Address Change Request
Please provide information below only if the address information on front is incorrect
Street Address'. -_--_--._-
----- - -- --- -- ----
City ------------------
State --
Zip -- -----
Home Phone --- --- ----
Work Phone. --- --- ----
E-mail Address
To contact us regarding your account:
By Telephone: \\ JJ??
In U.S- 1-800-300-8575 / "V
Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website:
rDD 1-800-955-8060
Pay by phomel-800-436-7958 10 . Box 15298 P.O. Box 15153 vw- chase. comldisney
Outside U S. call collect Wilmington. DE 19850-5298 Wilmington. DE 19886-5153
1-302-594-8200
Information About Your Account I
Crecilling of Payments: Yen may make payments by any of the options listed below The
ortmunt of your payment should be at least your minimum payment due. payable In U.S.
dollars and drawn or payable through a U-5. financial instilullon or the U.S. branch of a
I-Ign drol lal institution.
!Hake payments by regular U.S. all Send your pay nenl to the Payments address
slio:vnaon this statement Your payments by mall must comply with the instrtlcti0his on this
s?,emart Dodos and cash Write co, yAccount number at your check or money order
Payments must he accompanied by the payment coupon in the envelope provided will,
r address visible through the envelope window. the envelope cannot contain more than
nn payment or coupon: and there can be no staples, paper ;lips. tape or correspondence
dchldetl with lrour payment. If your payment la m accordance with our payment Irish deficits
and is made available to us on any day by 5:00 pan local tiro: at our Payments address on
this ;tale meal. eve 'will cued It the payment to your Account as qt that day. It your payment
In
aceerdanczvnth payment instructions. but is made available to us after 5.00 pal.
;el lime at tie payments address on this statement we will credit h to your Account ale
of the -1 calendar day.
nay
make payments electronically through our vnbsite e town on this statement. It we
iris lv'e Your completed request on our webeite by 5 p.In. Eastern Tlme. we will credit your
. vment as of that day Ilwe receive your request aftei 5 pn,. Easter Time. we will credit
ur pa; lent as of the naa7 calendar day if vdI specify a IJiore date in loin request we
•?,m aredlr your payment as of that day
-i all olhe, payments it for any payment type above for which you do not follow opt
[ ay cent Ill tons, crediting of noun pay cents may be delayed for up up 5 drys.
Account Information Reported to Credit Bureaus. We may repod Information about your
A co,unl ro credit bureaus. Late payments. missed payments other defaults on yoar
Account may be reflected in your credit report. If you think weorhave retorted 'inaccurate
infarnlati^n to a credit bureauvcu mayrde to us at the Inouiries address shaven or this
stalomem
Notice About Dort call Check Conversion'. When you pay by cheek. you authorize its ether
Ia Irani iinn i it from your cheek to make a une-tlme electronic fund transfer from your
a;cermt rir id process the payment as a check t ranaus ion W hen we use IMOrmat rod from
lour check to rave an ele,Itsme Lund transfer. funds may be wkhdravm from your account
-_+ as the same day we receive ur payment. and youv, li not racer 'a year check back
f ulfi ,cal'sttolCan tl e Cost rner service it other oil the siafenent if you
haua qn callers about e1,,trc,ic che_k,.olle,lion or do apt Irani your payments miected
.¢etrnniwl.
Condillpnal Payment: Any payment check or other torn, of Say ant that laid send us for
less than the fill balance due that is marked -paid in hull" or ,radicals a similar notation, or
that you otherwise lender in full satnannon of a dia lAed o nount, must be sent to Card
Services, PG . Box 15049, Wilmington. OF 19850-5049- We reserve all our rights regarding
th ;e Paylnenis ;e,a.. 6 it is determined there is no valid depute or If any such check is
ed fail. other address, we may accept lee check and you 'isil still owe any remaining
harancei We :fay refuse to axepi a,y such pay rent by returning it to you. nut cashing II
or destroying n All other payments first ynir make should be sent to the regular Pavia ent
address shown on this statement.
Annual Renewal Notice: If your Account Agreement has an annual membership fee and,
Imihr charge for isslran,;e or availability of your account it will be billed each year or
milli ,I cuaderly installments. This fee andor charge are owed whether or not you
se yc
,ur Account. and you agree to pay them when billed. The annual fee and charge are
non-refundable unless you notify us that you wish to dose year ac count within 30 days or
re billing cycle r ^ihiciever is lase) afters, provide the statement on which the annual fee
har9e is billed and at the seine time. you pay your outstanding balance in fah If you do
this !or a charge billed more often than annually such as a nx mthly seryiw charge. you will
not son the last billed charge'. however, pill, bulled charges are non-refundable and must
ha paid a; part of paying your aoldlarc ing balance jr, full- pc or payment of file annual fee
n charge doe not affect cur rights to close your Account and to limit your right to make
Ira,sachous do your Account It your Account is closed by yIu or us. we will continue to
imnse in=_ annual fee andior charge until you pay your oustanding balance in full and
Innnlnai=Vour account o1bur i-I
Calcination of Balance Subject to Interest Rate: to figure yoU periodic interest charges
r r •ech blhi,g Lyme she,s U period,c ales, applies, we use the daily balance method
.I dins. cu t transactions) To figure yo p ri_dc interest charges for each bulling
cycle :vren a woi Rllly periodic alelsi applies eye use the average daily balance method
=uJudmg cur-1 transactional. Fpr an explanation dl either method- or questions about
+ p t or st charbc caler at :i r Itateme 1t. r lease .11 us at loll
I fill
In_ .. , , crime nil rib tsted db ?;_a
W= is IC1llat e oar od r, interest .,nomes. Icing the applicable rerodie rates shown on this
statemeIf' separately foe earn feature Ia g. balance transfer checks and cash advance
. k :tank fro isa01011 I purchases, balance transfers. Cash advances- pro sold tai
she, t I, i, es in draft Idea, ce IT- ca.:lilat o,s nay end d le dMerent categories run
the same periodic rates. Variable rates v In vary •,,i it In the lather based on the Prime kale
seen uni described in your Account Agreement. There is a minimum interest charge
of SI.50 for such amount described in yrur .Account Agreement! if any billing cycle in
wfuch you ore any refiil lr. Interest charges. and a transaction fee for each balance Irensfer.
•-ash advance or ctxk hansectinn. in the amounts stated in your Account Agreement , as it
may be amended There is a loaign transaction fee of ll ?, A the U5. dollar amount of any
foreign transaction for such surround dase.roed if, pmu ALI: Luck Agreement.
How to Avoid f aging Interest on purchases. We begin as,ass'mg pn iiodic interest charges
11 a transaction. fee- or interest r,hargI item the dale it is added L, your dally balance until
your Account is paid in full, as described in your Account Agreement. Your due date ,If
be a minimum of 21 days following file dose of each bilking cycle. You can avoid periodic
interest charges on new purchases when they are first hailed to a statement as described
baL.w. hill this does not apply to balance transfers, cash advances or overdraft advances. If
,u reoeive a enlrenf imonthl' State' I'll diet includes rev Polish, es and make a payment
that rrareceiva by the dare and flare it,, Minimum Pal-al is do,f that statement we will
not charge periodic Interest on any I ndirI df those neio purdiasf, that we allocate such
payment his sr. long as 1;• lour current statement also shows that lye received payment of
line ending balance for your praviou_a Inonlh s statemenl by the date and time its Minimum
Payment Was dun. DF 2i that the ending Ialance for your previous month's statement
tem. II you have a balance rimer Than a Purchase balance and that balance carries a
higher periodic Interest mte_ you may not ire sue to avoid periodic interest charges on now
purchases if you do not Pal yow balance in full each month. because 1, 11 generally allocate
payi. rents first to the balance 'will, the big[,, I Denied;, in, I al
What To Bo It You Think You Find A Mistake On Your Statement
If lcll think those is a11 1111a y,r,.,tar-et:late tot c, a separate ratyet at CnsSOm=i
Service. PC 1 15299 Will min ir,li CIE 1_i8-50 5299.
In your letter. give us the foildvring ulfoniu. oe
• Aocounr idol motion' Yam cI"', and Accolmt innate"
• Do Ilan ardent. f Ile dolfa r ILIT I I r air l fl_' Snepet!ed error.
• Desckl phnn If Prab ell.'. It vu 111111 in 111e1e lS an ern•r On your hill decd' Ins lwln VCa
belie've's roug anit '%.,1. ballew ii Is a nustat-
YOr 11ist Callao us within fi0 oars after me. ermi aPpeared on Vour sratenlcrl.
'fn I 1111 14 coif f f I.:I d t g Y II bid d "o do :+e
-r lot _al' e1 to l esl gala a { I, It ,I rots a d v-I raa Is,e t, pa_, th, a count
In quesilun.
vy=investigate whether or n,II there ms bean an IT, the dire arig are True
We canndf Irv in collect t',, LinounI l ,I Ii or report yoU as delinquent on that
oniounl
• the -hairs in gresfirr ev r, n. r -tateme,t and we l v aontnre to
.large;-t a i on that a - f P t? if we determine that we made a mistake.
III Ildl Il'l' ; In pay the lilt I t si glestlpn r aq'j interest or other fees relatec
10 Vat anlouil
rn.1: cu on not tare I, nay th- an,cunr in quash- you aru respensiofz for the
n;n,aindei of your balance
• We ^ P.;' ^Ty unpaid ailiount against your c2dil limit.
Your Rights II You Are Oissatlslled With Your Credit Card Purchases
If yoU are dissatisfied with the goods or ser:eres that you have purchased enth your credit
card- and loo have tried in good hilt to ;oriect the throb en, with the merchant you may
have the right col Ira Day the remaining anpunt dire on the purchase
r'. use lhls right. all of file tours 1IILl nl,ISt'.s flue:
1 The Pei chase must fail been made in your name Stall? o a ch'In I00 miles of
your current mailing address, and the purchase Price nlr rat shave been more than
$50. tNote . Neither of niece are necessary if your Our, a se was based on an
advertisement we mailed to sou. or if _,:e own the -nferi thatsold you the roods
al services.'I
2.' i n 11111' •a dl rrd I r the [I r,;naP Porch-, made with wan
itleancgs fifer, an ATM If til T neck that a ,r ;redo nerd Account 0,
llt aai,fy.
too I bl-, It 1'- t - Vn hill r' I t, re
pllr?nase
If •. 11 If tire "I"n, ebu ,ea. 1rt' dv,r.+ Tll(hssals7edIh the [,,chase, co,fact u,
e. t -AC ,:_I. serve- PC P . 1 OV'silmlanno i. DE 19850-5239:
lVole c,, in-Wale. did .spina rifles apply Ira the dispinpd :i aroul ii as discussed above Aur r
.v finish olden-ig,to ,v,If for I III l— . At trial pointf.re tlnk you a':e
.nano t11.1:rl ,d II en „ _, o«Inluen'
MA120200')
Statement Date. 01/25/10 - 02/24/10
Account Number. 4266 9020 1285 6298
Page 2 of 2
2010 Totals Year-to-Date
Total fees charged in 2010 $39.00
Total interest charged in 2010 $51.50
Year-to-date totals reflect all charges minus any refunds
applied to your account on or after January 31. 2010
INTEREST CHARGES
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance Accrued
Balance Percentage Rate (APR) Subject To Interest Interest
Type 31 Days In Cycle Interest Rate Charges Charges
Purchases 27.99% $1,660.53 $39.47 $0.00
Cash Advances 27.99% $506.16 $12.03 $0.00
Please see Information About Your Account e,ection for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice,
How to Avoid Interest on Purchases, and other important information, as applicable.
This Statement is a Facsimile - Not an original
X 0900001 FIS33336 C 4 000 N Z 24 10/02124 Page 2 of 2 n6272 MA MA 603,2 05510000040006033202
Payment Due Date New Balance Past Due Amount Minimum Payment
1 04121110 $2.312.27 I $:389.00 $499.00
Account number: 4266 9020 1285 6298
. Make your check payable to:
$ F- Chase Card Services.
Please write amount enclosed
New address or e-inail? Print on back
+ 16"
REWARDS
VISMCARD FROM CHASE
42669020128562980004990000231227000000000000001
54435 eEX Z 08310 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
1,..111.1,.1„I.I„I. tl l,t,l,lr,,,ll,l,lt„II„1,1,,,11„I!„I
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
1:5000 160 281: 184 20 i 28 5 6 2 98 211'
A Manage your account online: Additional contact information
_ REWARDS www.chase.com/disney conveniently located on reverse side
V ISMCARD FROM CHASE
ACCOUNT SUMMARY
Account Number: 4266 9020 1285 6298
Previous Balance $2,224.91
Fees Charged +$39.00
Interest Charged +$48.36
New Balance $2,312.27
Opening/Closing Date 02/25/10 - 03/24/10
Total Credit Line $2,000
Available Credit $0
Cash Access Line $400
Available for Cash $0
PAYMENT INFORMATION -?
New Balance $2,312.27
Payment Due Date 04121110
Minimum Payment Due $499.00
Late Payment Warning: If we do not receive your minimum
payment by the date listed above.. you may have to pay up to a
$39.00 late fee and your APRs will be subject to increase to a
maximum Penalty APR of 27.99%
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will take
you longer to pay off your balance. For example:
If you make no You will pay off the And you will end up
additional charges balance shown on paying an estimated
using this card and this statement in total of...
each month you about...
pay...
Only the minimum 22 years $7,337
payment
If you would like information about credit counseling services, call
1-866-797-2885.
It's not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be
right for you. Call 1-888-792-7547 (collect 1-302-594-8200) today.
Important Message: You Are Overlimitl
Your statement balance exceeds your credit line. You should make a payment that includes the overhmil amount to bring the
balance under your credit line.
DISNEY DREAM REWARD DOLLARS@
Balance from last statement 0 Please call 800-300-8575 to redt em your
Reward dollars earned from net purchases 0 Disney Rewards RO or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards(,) Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description $ Amount
FEES CHARGED
03/22 LATE FEE 39.00
TOTAL FEES FOR THIS PERIOD $39.00
INTEREST CHARGED
03/24 PURCHASE INTEREST CHARGE 37.24
03/24 CASH ADVANCE INTEREST CHARGE 11.12
TOTAL INTEREST FOR THIS PERIOD $48.36
This Statement is a Facsimile - Not an original
0000001 FIS33336 C 4 000 N Z 24 10/03124 Page 1 of 2 00272 MA MA 5443:1 78310000040005443501
X 0044
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address. ---._--_____
City ---------
State --
Zip ----- -----
Home Phone ----
Work Phone. -__ _-_ _---
E-mail Address'
L
To contact us regarding your account:
® By Telephone:
In U.S. 1-800-300-8575
Especial 1-888-446-3308
TDD 1-800-955-8060
Send Inquiries to:
Mail Payments to:
Visit Our Website:
Pay by phone t-890-436-7958 P.O. Box 15298 P.O Box 15153 vvwv>. chase. com!disney
Outside U.S. call collect Wilmington, DE 19850-5 298 Wilmington. DE 19886-5153
1-302-594-8200
Inlormalum About Your Account
Crediting IN Payments: You wv make payneems by any of he options listed below roc
orwout ct your payment should he at least your e eimum pay Went due. payable in U.S.
dollars aid drawn or payable through a L.S. 1 social idold lie, or the U.S. branch of a
lorsign financial II,. tlluhon.
You may Wake payments by regular U S. moll Sendyour payheent to the Payments address
shown On this statement. Your payments by mall most oomph' with the instructions on this
statement Do not send cash Write your Account number on your check or money Order
Payments n'IUst be accompanied by the payineht coupon ill the envelope provided ;cosh
nr address visible through the envelope'•vini the envelope cannot contain more than
ne payment or coupon. and there can be no staples, paper clips. tape or correspondence
included v.'hh your payment 11 your payment is ltaccordance with our payment lflstrocht-Is
and Is made available to us on any day by 5.90 p m, local true at our Payments address on
this Statement. " "` cell Ile payment to your Account as of that day. If your payment
I, u exnda ce w th rr pay on, of t tons. but 5 d wadable to is after 500 p n.
,a1 C ne at It, Paq dents address - e this state IIIII %"a n%1 credit it D your Asacen1 as
of the next calendar day
Vnl may snake payments elecirenically thmugh our vweb,de show, an this statement If
vJe
o ve your completed request an cur vrehsite by 5 p on a. Eastern Due we
. will credit your
p ayment es of that day- If ,ve receiveyour request after 5 Dh Eastern Time, we•will credit
ur pavment as of the If
calendar dav. If Vol specify a heart date in your request v+e
.11 credit y,ur payment as of that day
I all ether payments or t,r any payment type above for crush you do not fOllmn? ono
nay,"or ?,narll„tions crediting Ot your payments may be di for up to `days.
Account Infour allen Repo fled to Credit Bureaus: We may report internal about your
0.cconnt to credit bureaus Late payments. missed payments or ether defaults on you
n-m may to reflected in your eredl .vt report. If you think we have reprt
oed maccuri
Iofonunm 1, to a credit bureau. you may r is to us at the InpuirieI address shown on this
eat±inent
Notice About Eleetrenle Check Conversion: When you pay by :heck, you authorize us either
I. use udnnns ion loon your check to make a one-time elect-chic fund transfer Iron lour
.,,runt ?r to process the payment as a check transaction. Whenwe use undonnation from
yn urcheck to lake an elae:radio fund transfer, funds mey be orthdray, from irhur account
"Our as the same day w.e receive yx r payment and you will not receive your check back
tla-cal estilllo CultIe CLStimer Service otloluerolth, statement if yen
haw- qt-,,ions "bo"lt elecircr ,. check „olllcfiml or do not want /our pay Went, collected
eleclrpnlcaly
Conditional Payments. Any payment check or other torn of uaylnent that you send us for
ess roan the full balance due that is marked 'I in full" or contains a similar notation. ?r
that yml r.therwtse tenderIn fill satisfaction of a disputed amount must be sent to Caid
Se,rvlnes P,D. Box 15n49, Warrington. DE 19850-5049. We reserve all our rights regarding
(base payments (e,g s It is determined there is no loud disphte or it any rich check is
e,,ad at any other address. a,a map accept foe check and ye a will still owe In,; remain g
balpncei. We ray refuse to accept ail such payment by returning it to yOU not cashing it
or desirnymg ,t. All ether payments that you make should be sent to the regular Payment
address shown nn this statement
Annual Banewal Notice: It your Amount Agreement has an annual membership fee and,
similar charge fc: issuance or availability of your account. it will be billed each year Or
tOnthty or quartarhy mstalimant, This fee art charge era owed whether or not you
n,r Acmuol. and you agree to pay the,, :when billed. The annual fee and charge are
,on refundable unless you notify us that you wish to close your account within 30 days cr
ova tiling cycle twhichevar,s less) after v., provide the statement on vwInch the annual fee
"r r, Large is hired and at the same time. you pay your outstarnllng balance an full. If you do
; his, f or a charge billed more often Via n annually such as a monthly service charge. you will
n,A ,l, Ile 1151 Wild charge'. however. poor billed charges are nonrefundable and must
b=_ paid as part of paying your outstanding balance In full. Your payment of the annual fee
or,:haIn, does not affect our rights to close your Account and to Unlit your right to make
t:ansactlI,, so your Account. It your Account is closed by ycu or as w will continue to
Imr- the anrual fee anfor, charge until you pay your outstanding balance in full and
Lnvillsyr ;OL,A,coomt relationship
CaIculatlon of Balance Subject to Interest Rate: To figure your periodic interest charges
I,r each 01i1 :Yet, nhena d-Ty periodic Octal applies. ,, use thedally balance method
Ir dug coast transact e To t a your periodic merest charges for each billiug
-heo nlonihN Isar odic raters, applies, we use the a verage dairy balance method
I ? ludmg cu«-nt transactions). For an explanation of either method. or questions about
p.. e a-t t Wargo calp"lat e t r statement Flease cad is at tI e toll free
-nslenar.e, yn.-phone number listed above,
VJ- r. c i date p^-r ?d c otarasl .hOrga n. s ng the applicable periodic rates sfe- on this
st:' ent s srately for Bach feature joy. hal,", transfer checks and cash advance
ch I rhackl on'I pe chases balance transfers, sash advances. poonotniul
t.a' I a t 11111re l 11111Llat 111, nay co na ee different capegor es tr0h
the same periodic rates. Variable icar ; iIf ,any',it 11 the market based on the Prime Rate
ter such index described if! your Account Agreement). There isa minimum interest charge
of 81.Sit 1Or suds ampuIt described in I'LL', Account Agreement) in any filling cycle In
.,Irish y" o;re aeyperiodic meanest nor?,, da traI- lot, fee for each balancetransfer
cash zma -+ or check transactme. in the a n"amts,tat-d n you rAccou nt Agree Went. as, it
Liay be amen bad There is a tore,gn haus2cticm fee of Jas A the U S- dollar Amount of any
foreign loulactian io, such amount described In your An.ouit Agreement).
-in.v to Avoio -oy ng nearest on Purchase. We begin assessing periodic interest charges
11ellon tee, tr interest cn,u e f, oni the date it s added to o
yur da,h/ balance un' d
yon " Aafount Is paid ?n full. as describsrl In y,, r Account Agreement. Your due date will
be a mum of 21 days following the close of each billing cycle. You wn avoid periodic
inter-st charges on new purchases when til are first billed to a statement as described
belt^•v. b„t this does not apply to balance lun,fsrs, sash advances or overdraft advances. If
yOu
receive a current monthly statement that includes new purchases and naid a payment
that we reserw by the date and line tilM lnum Payment is due for that statement. we will
uct trials, p odic mtere t on any 4 ore _ 't those n. v trchses that we allocate such
pay nt e. so long as t r'rrmrt saterent also sh"ws than we received payment of
the ending balance for your r ewisal mordli s statement by the do I and title its Mmmum
F,y aid was it,,, OR 2t that the ending valance for you, Intel aus months statement
vas zero. It you have a balance other than a purchase balance and that balance parries a
higher periodic interest rate. y urh maay not be 111, to avoid pengd c solaced charges on new
Prelases it y'on on net par youlair iuI,Ill each mnuth, because m'e generally alloeatp
payment, first to the balance .•III, the highest periodic interest rate.
What To Do If You Think You Find A Mistake On Your Statement
It von flunk there is an arm, oil your.statement ;rite to or, et a oaparate sheaf at Ousunil r
ccl-e. P0. 8ax 152:±g Wilmirccon. DE lo9`i7-57.91
11 yrai, letter. yive ;ls the ir.llolmeg into' I oath 11
• Account rttprmatium r_i, uame and A,;connt Lino-,
• Dollar amouuI The d,rlar amOnnt .., the suspected error.
• Des;rmtio, of Prohnem It y"m tll,ftfieis all Orrin nn your hill. describe what yea
believe: is 'a•re l lg and %vfiy sou belst+a it is a mistat,
You musl contact us o quo Cd day; after the. of to, appeared on your statement
You Ill st notify ur 11 a pstent cal u, iti ng. Yo I ll'v ,all t4. but a y'ou do We
,of re ed to -sl yet- a E too ?n ns and ..u use have ti par lies amount 11 Illjorl
Nil -,boob here, - I I lh. 1 ,teen an - e, the 1011, nro are Line. err, i y o•.I t ylle tthe" TUe's -pert you as de nqueetc that
a nr d
• The charge in question Imy rem;un nn your statement. and :r nay contl,ue 10
nharge you Interest nn that O runt DIP It we deternune that made a mistake.
yon will not l"'re In pay isle ammrml in ilnesho n or any interest or Other fees relate(
to that an,o ,Of
• While you do not have to as the amount In gnesn) n. you are responsible Inc the
,.,....roar oI lour balanne
.._ , apply any unpaid alrlouni athirst your credit limit.
Your Rights If You Are Cissallslled Win Your Credit Card Purchases
II you a,e dis,.,;„v, "ith the guilds', or ScIllces that urou have purchased with your credit
cord and yon, have tried in good faith to correct the problem with the merchant. you may
nave the light not to pay the renramiuq amount due on the purchase
ro uz this fight all A m= t„rOv+l u ""'It ba our
1. The purchase must have been neade in your home state or within 100 miles , f
our currant trailing address. and tl,e purchase puce must have been more than
$SO INote Neither of theca a_ W in purclase was based on el
ad-ti s- ent-il lad toy ,rh,rvo.rn thecempanvthatsoldyoulhegoods
ZYou *rsth J'o ""III ,,no lc, they lass. Fu chases Wade wth:ash
3.t:anc.e5 to all Al M "tl . ,, +?.k thet a .-.s r.: redo crop A'col tt tlo
not qualih
'3.` umustn1 yet In,ve Ill :vpaid !,,r he purchase.
I I all 0) Ill- crltnna alp Ve ale met ent'ypn .,1- III di,salshed VJnl the Innrcnase. contact dS
m'. di,gat Qlsmm -rvlce.POP I. 1Wfounll.:. OE lm3c-5295.
tIgile.v1 invesngat-. the same ones apply Io the disputed amount as discussed cm -. Afor
t I invest gat" . rnl tell1 r ' decision At that Do,n. 111 think you 11-
,11 rot and L o 11 l r), .,e » , -I, r. It nil as del,Luert
MA12g2G0g
Statement Date. 02/25/10 - 03/24110
Account Number 4266 9020 1285 6298
Page 2 of 2
2010 Totals Year-to-Date
Total fees charged in 2010 $78.00
Total interest charged in 2010 $99.86
Year-to-date totals reflect all charges minus any refunds
applied to your account on or after January 31 2010.
INTEREST CHARGES _
Your Annual Percentage Rate (APR) is the annual interest rate an your account.
Annual Balance Accrued
Balance Percentage Rate (APR) Suhiect To Interest Interest
Type 28 Days In Cycle Interest R;.:_ Charges Charges
Purchases 27,99% $1.734.53 $37.24 $0.00
Cash Advances 27.99% $517.73 $11.12 $0.00
Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice,
How to Avoid Interest on Purchases.. and other important information. as applicable.
This Statement is a Facsimile - Not an original
X 0000001 HS33336C 4 000 N Z 24 10103/24 Page 2 of 21 062 72 MA MA 544,5 ,4310000040005443502
Payment Due Date New Balance ?Past Due Amount Minimum Payment
05121110 $2,406.96 I $499.00 $617.00
Account number: 4266 9020 1285 6298
Make your check payable to
Chase Card Services.
$ F-
Please write amount enclosed
New address or e-mail? Pru1t on back.
7;?D"W
VISMCARD 1-1 CHASE
42669020128562980006170000240696000000000000009
24854 BEx Z 11410 C
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
Irr111111rr1r11rlrrlr111r111rlr1rrll11rl,1rllr11rlr1rllr111rr1
GARDMEMBER SERVICE
PO BOX 15153
6'1.'11-MINGTON DE 19886-5153
1:5000 160 281: 184 20 1 28 56 EAB 211'
RE ? 1 Manage your account online: Additional contact information
VISOCeRD F40M CHASE w.wv. chase. comldisney conveniently located on reverse side
ACCOUNT SUMMARY
Account Number: 4266 9020 1285 6298
Previous Balance $2,312.27
Fees Charged +$39.00
Interest Charged +$55.69
New Balance $2,406.96
Opening/Closing Date 03/25/10 - 04124/10
Total Credit Line $2.000
Available Credit $0
Cash Access Line $400
Available for Cash $0
PAYMENT INFORMATION
New Balance $2,406.96
Payment Due Date 05/21/10
Minimum Payment Due $617.00
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay up to a
$39.00 late fee and your APRs will be. subject to increase to a
maximum Penalty APR of 27.99%.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will take
you longer to pay off your balance. For example:
If you make no You will pay off the And you will end up
additional charges balance shown on paying an estimated
using this card and this statement in total of
each month you about...
pay .
Only the minimum 22 years $7.643
payment
If you would like information about credit counseling services, call
1-866-797-2885.
You haven't made the required payments and your credit card account is 150 days past due. You can still turn things around. Call
us today at 1-888-792-7547 (collect 1-302-594-8200) so that we can find a solution for your situation.
Important Message. You Are Overtimit!
Your statement balance exceeds your credit line. You should make a payment that ir, hides the overlimil amount to bring the
balance under your credit line.
DISNEY DREAM REWARD DOLLARS®
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney RewardsC) or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards() Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account. Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description $ Amount
FEES CHARGED
04122 LATE FEE 39.00
TOTAL FEES FOR THIS PERIOD $39.00
INTEREST CHARGED
04/23 PURCHASE INTEREST CHARGE 43.10
04/23 CASH ADVANCE INTEREST CHARGE 12.59
TOTAL INTEREST FOR THIS PERIOD $55.69
This Statement is a Facsimile - Not an original
0000001 FIS33336 C 4 000 N ;' 24 10104/24 Page 1 0l 2 01,217 IAA MA 248,94 11310000040002485401
X 0044
Address Change Request
Please provide information below only if the address Information on front Is incorrect.
Street Address ------
City ------ -
State --
Zip. ----- -----
Home Phone: --- --- ----
Work Phone: --- --_
E-mail Address-.
L
To contact us regarding your account:
By Telephone:
O
7 CC
t
In U.S. 1-800-300-8575 I
.IDID Espanol 11-800-888--955446--8060 3308
fDD Sund Inquiries to: Mail Payments to: `
Visit Our Website:
Pay by phone 1-800-436-7958 P.O. Box 15298 P.O. Box 15153 w,sw chase. codyndisney
Outside U.S. call collect Wilmington, DE 19850-5 298 Wilmington, DE 19886-5153
1-302-594-8200
Information About Ydur Account
Credfling of Poymefte. You may make payments by any of he options listed below. The
punt Of your payment should be al east your minimum -aa,I t due. payable in U S.
dnlla rs and drawn or payable Ihruugh I US. financial 'Inefir hioe or the U.s, branch of a
foreign financial Insritutaon
?Ln c ake payments by regular U S. mail. Send your pays sent to file Paymer:ts address
silo: on m Ibis yetement. Your payments by mail must comply ,,it, the Instruptlonis On In,
statene t. Do nor send cast Write your Account number cl your check or money order.
Payments must be accompanied by the, payment coupon in the envelope provided a;ith
our address visible lhmugh the envelope'.: rid" the envelcpc cannot contain mare than
na payment or coupon. and there can be no staples, paper :lips. tape or correspond=.nca
included web your payment. If jour payment is in accordance :vbh our payment instructions
and is mall available to us on any day by 5:00 p.id loyal thin at our Payments address on
his tat e t e ill credit the p y e It to yo Account as of that da If your payment
is In ", o da e Th it pay ent instructions. but ade a.a ble 1 s after 5.00 p n -
callineatth_ Payments address?n this slat- eft..e vcll credit dfir your A _o tas
It the nett calendar day.
r I, i make payments electronically through our sonto shown on this statement. It we
r",
ve )Our completed eaguest on our websiL by 5 p In . Eastern Time. we will credit your
payment as cf that day. It we receive your request after 5 p I,, Eastern Time, we •vbIl credit
ur payment it, of the next oalendeI day. If you specify a It tore date in your Nuesl we
vnll cradityeir paymenl as rot that lay.
?Ir all other payments Or foe any payment type above for uhlah yon do nor fellow our
payment enstru,:tires. crediting of your payments may be delayed for up to 5 days.
Account IalormalIon Reached to Credit Bureaus: We may report information about your
Arcouint to credit bureaus. Late payments. Inlssed payments or other defaults on your
Acco ed
unt mnay ue reflected in Now credit report. If you think we have report
inaccurate
mfnr. natio le a credit bureau. Lou may taste on us at the Inquiries address shown on this
staternenl
Netlee About Electronic Check Conversion. When you pay by .hack. you auli-Onze us either
Id use Information trim your check to make a one-time elect state fund transfer from your
ant Or to process the payment as a check transaction. When we use IrtonnatlOn from
o",
r check to make an electronic fund transfer, funds may be wfthdrawn from your account
as the same day vie receive your payment and you will not receive your check back
fir,ibr - _ur fm. Cal nestlutnn Call the QstlTer service number on this statement if you
h aI esuons about aleetren ,cheek miles( n or do not; ant your payments petI pled
elechu nically
Conditional Payments. Any payment .heck Of other form of payment that you send us tot
less Than the lull balance due that fs marked paid in full' or :mains a similar notation. or
that wlu otherxais1 lender rn lull satllbe ien of a disputed amount, must be sent to Gard
Sen. - s I. Box 15049. Wilmington, DE 19890 5049. We reserve all our rights regarding
h , ease - is (e g . it it is deternined there is no valid dispute or it any, such check is
t fit al theraddress- ire mat accept thecheckandyca.:illstllf owe any remag
,v, I =v reftse fir accept any st ch oavrlent by refit ring it to you. not cashing it
/?; it All'that pay n uts that you n ale should be sent to the regular Payment
add(- „ on this statement.
Annual Renewal Notice'. it your A110nnt Agreement has an annual membership fee and
Lee charge for issuance or availability of year account, it:vill be billed each year or
i ninthly or nuarterl, installments. This fee anuUor charge n2 owed whether or not you
iur Account. and you agrea to pay them ,her billed. Tie annual fee and charge arc
an-refundable unless yen notify us that you wish to close your account within 30 days or
one bins is cycle (whichever is less) after we p rovide the statement on which the annual fee
or Illegal " b bled and at the same time. you pay' your outstanding balance in full. If you do
tills, fat a charge billed mere often than annually such as a monthly service charge, you will
unI cure the tar. rolled charge. howeve, prior billed charges ere nob-retundable and must
be paid as pan of payntg your outstanding babece in full- Your payment of the annual fee
I r charge does not chart our rights to close your Accelmt and to 1, red your right lit make
till-ChOuS On your Account It your Account is closed he you or us. sve will continue to
impose the annual !ee anther charge until yon pay your outsfanding balance In full and
neat' .on !1 ant relationship
Calculation of Balance Settled to Interest Rate. To fight, your periodic iate2st charges
ILL each bthng cyclewhen a daily periodic rate(s) apples we a se the daily balance method
including ulre t transactors'. TO flgtre your periodic Interest charges for each billing
c cle
'.vnen a nwllthly periodic ratelsl aDDlieS, we use the average daily balance method
r ^doting current rransactionsi. For an explanation of either method. or queslions about
a partmular A-st charge caloolahon en your, statement please call is at the lull Ire,
cust?i nar-rice phone number listed aheve
We calculate parodic Merest charges. using the applicable ranodic rates shevm on this
stdean,at separately for each feature I, g . balance fill checks and cash advance
l t'che k t al so t' p rchasas evi lce travelers . 'ash advances peripheral
t la cos, Ovedraft,dsarce,,-Th. cakulztorsroy continue different categories well
the sans, pariedic rates. Via hit', r'el' ili. var,'rall fire :a'c't based rn Ifre Pnme Fate
or uch index described in your A, jute Ann ement) There is a minimum Interest charge
of SI.;il for such amount derribed Ia yrur Account Agreement) he any bitting eyye in
'.:itch you u,, any periodic inlerest charges. and a then- hen fee ter each balance transer.
cash advance of check tran-jure. in the omounts stated is your Account Agreementas it
may be amended. There is a foreiyu Il altsecllon fax of 3v? OI the U.S. dollar amount of any
foreign transaction if such in, desnibod in year Aorunt Agreement)
HIll 1 Peak] Paring Isle t - r t W. ±gi ass' J periodi interest ranges
tra cacti r, fee _r interest ha f , the data it ddeJ t t yon pan, balance unlit
lia your Account s Paid in full. as de enri in yell( Account Agreement.'( er due date will
be a unrublum of 21 days folloeving the close of each billing gee. Yau can avoid periodic
rnt_ St h ) c r sea. p rchasas h In,; ar=_ first billed to a state na rl as described
below, but this does not ,,it, to balance transfers. cash cleanup, or overdraft advances Ii
yr,u
mceive a cur lent monthly slalemeut that Includes ns, pure noses o rid make a payment
thot e' by th do', Ut re th NI 111 In Pay rent a due for that state me It vve w l ll
tl lag pe'fic teetcl fin: Itl.ser ptr lases flat we allocate such
pa net to, sr lapse, 1current state rent also h wl that we received payment of
the ending balance ton your previons month's statement by the date and rime Its Mlnlmuin
Payment was due OF 2i that ire ending balance for your previous months statement
eaq o. It you have a balance ether bra a purchase balance and that balance carries a
hhgherpenpdio interest rate. you may not he his to avoid seenodic interest charges on nev(
purchases It yorr do not pay y-al balance in full lech month. bewu6'we generally allocate
payments first to the balance wth Ile highest periodic interest rate.
What To Do II Yen Think You Find A Mistake On Your Statement
d you think there s ,error on y,rorAleal=_nt_r,Ike In as an a Separate Sheet at Custom=(
service, P0. Box 15259 Willi . DE 14850-5299.
in your letter gi- us the to ug:vmg adorn .urn.
• Aec,un, letomtafine r ur name and ofalum number
• Dollar amount. The dellat amuunf of III1111pec_ta Intor
• Descllpuolt Of Problem. It you lniukthmeis an er(nr oft your hill. describe what out
believers :vin rig and vrhs pea believe It is a n4sfak'
You must cgnlatl us sift, 0.I daafter tY r zrmr appeared on to that I
manYt _t notify oS of any p:t.ntial waning el , v r, II 111 but t you do :ye
rot regt-+t, fir tigac any { - t- hers and , nay have'. pay the amount
m queshop-
rNll etha I lher rr •.i,t Il_.I. been an r, the fall-ing arena,'.
• We canner fir; to cn Iled fire amount n care-bun ?I repo d you as delinquent on that
amturA
' he charge gl e l' I nay ( 1 r statement lad :,, n / confnue fig
• -.harge yr r interest t Ih, It o n t fit But it r?ve determine That we node a III
.
all will not I- Inpay the tnl-Cniellic , interest or other lees relater .1 or an, 1 that annc unt
• Willa you do net bast lu Gov thr, anmm?t In -auasncn - h., era r,,ponsrbha frrtha
r_malnuar of your balance
• We can apply anyunpaid :mwunf against your.fedit Ilmit.
Yam Rights If Von Are Dissatisfied With Your Credit Card Purchases
II You are c 1, atished with the goncls It oni jices that ;roil have purchased wt n your credit
ord. and you have tried In good faith to zoned the problem with the merchant YOU may
Ira,, the rig hl not to pay the remaining amuurl due on the purchase
I - u=.ethr5 right. dr of the tellowe; toga b=true.
1. the purchase must have becu made In your home state or :stem 100 miles of
your eu,elir marking adere :s. and the rnnaltas' tries must have been more!Ill
550. jNok Neither or Viest all .. r if y.nur porches, '.v s based or
daertise etw.(lino lea r _r,rn III, mpanytharsod vet the gods hil nslh it ;redt:-Jfiar the r. uhlas, Fulcra-had, No cash
aU.anc'c flo a ATM ar +tl a .. e.k that a,:., -ya_r send card A::ot nt do
not mhahty'.
3 . You..rust not yet have hall's paid f? r file p,inch...
II all of fife cmeria abode are stet and Y( It lie .Lll dissausfled ylth file Purchase. sC]Dub t Il i
m writing at Customer Service PC Box 1S7 -Q Wunun feo OE 1.3852-5299:
Whila'.ve inv:_'."re l11 . rules apply In try disputed amnun! as discussed above. After
ve 1 1 Ill .eSug to c will tell decalo A'. that pony. t e tI h'k yeti o'we 11h ;ill on ecurt andf ni do r: to„f- et:.,.ll as d'irtell
MA1202005
Statement Date. 03/25/10 - 04/24/10
Account Number. 4266 9020 1285 6298
Page 2 of 2
2010 Totals Year-to-Date
Total fees charged in 2010 $117.00
Total interest charged in 2010 $155 55
Year-to-date totals reflect all charges minus any refunds
applied to your account on or after January 31. 2010
INTEREST CHARGES
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance Accrued
Balance Percentage Rate (APR) Subject To Interest Interest
Type 31 Days In Cycle Interest Rate Charges Charges
Purchases 27.99% $1,813.25 $43.10 $0.00
Cash Advances 27.99% $529.58 $12.59 $0.00
Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate. Annual Renewal Notice,
How to Avoid Interest on Purchases, and other important information.. as applicable.
This Statement is a Facsimile - Not an original
X 0000001 FIS33336 C 4 000 N <_ 24 10104/24 Page 2 of 2 06272 MA MA 24B54 11310000040002485402
Payment Due Date New Balance ?Pas?t Due Amount Minimum Payment
$2.502.01 17.00 $737.00
1 06/21/10 I $6
Account number: 4266 9020 1285 65 298
Make your check payable to:
Chase Card Services.
Please write amount enclosed.
New address or a-mail? Print on boF-
W"W
REWARVVV
VISMCARD PG mCHAS[
426690201285629800073"?0000250201000000000000003
57153 6Ex Z 14410 c
JOAN K YAMAGUCHI
326 HIGH MOUNTAIN RD
SHIPPENSBURG PA 17257-9663
CARDMEMBER SER\ ICE
PO BOX 15153
WILMINGTON DE 19886-5153
t: 5000 L60 2,1 i84 20 28 S6 298 2110
0 Manage your account online: Additional contact information
REWARDS
VI-CARD FROM COPSE www chase comldlsney conveniently located on reverse side
ACCOUNT SUMMARY
Account Number: 4266 9020 1285 6298
Previous Balance $2,406.96
Fees Charged +$39.00
Interest Charged +$56.05
New Balance $2,502.01
Opening/Closing Date 04/25/10 - 05/24/10
Total Credit Line $2,000
Available Credit $0
Cash Access Line $400
Available for Cash $0
PAYMENT INFORMATION
New Balance $2,502.01
Payment Due Date 06/21/10
Minimum Payment Due $737.00
Late Payment Warning: It we do not receive your minimum
payment by the date listed above, you may have to pay up to a
$39.00 late fee and your APRs will be subject to increase to a
maximum Penalty APR of 27.99%.
Minimum Payment Warning: If you make only the minimum
payment eaui N?riod, you will pay more in interest and it will take
you longer to pay off your balance. For example.
If you make no You will pay off the And you will end up
additional charges balance shown on paying an estimated
using this card and this statement in total of...
each month you about...
pay..
Only the minimum 23 years $7,965
payment
If you would like information about credit counseling services, call
1-866-797-2885.
The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit
bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at
1-888-792-7547 (collect 1-302-594-8200).
Important Message. You Are Overlimitl
Your statement balance exceeds your credit line. You should make a payment that includes the overlimit amount to bring the
balance under your credit line.
DISNEY DREAM REWARD DOLLARS@
Balance from last statement 0 Please call 800-300-8575 to redeem your
Reward dollars earned from net purchases 0 Disney RewafdsC% or if you have any questions
Reward dollars transferred to Rewards Card 0 about the Disney Rewards,A) Program.
Remaining balance 0
Cardmember ID: 12559267
Use your Cardmember ID for special
limited-time promotions such as Refer A Friend.
Your account is past due, therefore rewards earned this period have not been posted to your account Please make the minimum
payment due immediately to avoid forfeiture of rewards.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Description $ Amount
FEES CHARGED
05/23 LATE FEE 39.00
TOTAL FEES FOR THIS PERIOD $39.00
INTEREST CHARGED
05124 PURCHASE INTEREST CHARGE 43.58
05/24 CASH ADVANCE INTEREST CHARGE 12.47
TOTAL INTEREST FOR THIS PERIOD $56.05
This Statement is a Facsimile - Not an original
00)OWI FIS33336 C4 000 N 7 24 10/05124 Page lai2 116212 VAMA b/15i 144 1 0000040006 7 1 5 301
X 0044
Address Change Request
Please provide information below only if the address information on font Is incorrect
Street Address -------_------------------- --
City -------------------
State --
Zip --- -----
Home Phone --- --
Work Phone. -- ----
E-mail Address. -------_---_---
To contact us regarding your account:
OO By Telephone:
1
I
U
S
800
300
8575 '
n
-
.
.
-
-
Espanol 1-888-446-3308
11 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website:
Pay by phone 1-800-436-7958 P.O. Box 15298 P.O. Box 15153 www. chase. comldisney
Outside U S. call collect Wilmington, DE 19850-5 298 Wilmington DE 19886-5153
1-302-594-8200
I Intonation About Your Account
Crediting of Payments'. Yen rrry rake pa. -eats by any, of the options listed below TLF
It of to pay t chruid u It least yo r n' ' call 11-1011n duel payable n U.3
d Il.rs and d h gable bridal l a t;. S. financial ' institution or the 11.5. branch of a
roman financial mslrRl.11
y, nay male ayneat,by iegtlarU J.a !Send yd_rpay fertto the Paymentsaddre"
r.vn Cn Ihlatarnent. Yollr fay' iris by mail must no,nof, ,it, lire instruetas or has
t- l ail D, not send cash. Wide r aces t b_r Ili your check or ra der.
Fay its l au G la-lb B d by in hay)) t onarrial Ili the envelope pray d tl ' lith
on, adorersvsble through the envelope 'a,indo,: the envelepe cannot contain re town
lie pnymem or caupen: and there can he no stares, paper clip,- tape or eirresptndenca
el tided"Ll" your payment. It your payment is in accordance'.ynh our payment Insiruotlons
n nod is made -000th to us on any day by 5.00 p.m. local than at our Payments address on
this ...... aent we .vlll credo the payment to your Account a! of that day. If your payment
aordance with mar payment instraetions. but is made available to in after 5 00 p.m.
I t" Infe at tr, Pay,1",is address ,it this sfatemenl. we o,i I credit 0 to your Atcou lit as
of the next calendar tlay
Yo,,%,ynnake payments sleulron,cally lkroI , our welade slidvm on this statement If we
ye r lo npleted request on .gar mebsIte by 5 p. n Eastern T m. tie ,,It credit you
kavnem:sof shat day. 11 we recent, your request after 5 p_, Easton, T'fe. wewill ,Edit
ur payment as of tine next calendar day. If you specify a failure date in your request we
I. Credit-r payment as If hot do
to, all other payment, or for any payment type above or 'which you do not tallow our
p-; lit Inst r .lion s, :redifng of yo payments may he delayed for up to 5 days.
Account Information Reported to Credit Bureaus'. We may report iniormalion Short you,
Account to credit bureaus. Late payment. null banner is or other defaults on yam
account may be Lederer, In your credit report. If you think we have reposed Inseeupoe
))for: arils too credit nureau yo a ay;*ite to Lis at the quiries address mown on the
statement
Nollee Abord EleeUOnle Check Converslon-When you pay by :peek. youauthoal its either
1, arse ,proration Ircln yd Dr check t^_ rake a one-film elect onto hind transfer Iron your
,.;punt or to p,ocess the payment as a check transaction. When we use information from
your check to make an electronic fund transfer, funds may be'ebildrawn front youraecount
as the same day we receive your payment. and you will not receive your check back
t nr h,a-.cal alcoho?n. Call the Crslcrrer Service funiber on the state Cant it you
I " m,shat about electronic check collecl'on or do not 'want your payments collected
eledrenically.
Condillonal Payments: Any payment check or other form of payment that you send us for
lass than he full Valance are that I, marked 'paid in full" or torture asimilar notation. or
for you caboose, fender in lull satisfaction of a disputed amount. ,,at be sent to card
SerP0. Ecy 15pg9, WDm,ngton. DE 19850-5049 . We reserve all our rights regarding
th:sa pa; rents freq.. I it ,s deter lined there is no valid ch, pit, or if any such III Is
.tired at any other address -may accept fill check and yc it will still owe any remaining
glance;. We -ay reuse 1, -ept ar g she[) payrent by Leto in ag it to you, roll cashing it
pr t e.stmv,ng It All other payments that y, I make should be sent to the rgWar Pay,nenl
ad"" as ShoalFl In this Stacurleirt.
Annual Renewal Notice: Ig y?nr Account Agreement has an annand membership tee and
- .,im,lar _harge tar issuance or 1la11aat IN It your account it vvilt be billed each year qr
I monthly or ouarteray installments This fee andror charge are owed whether or not you
is yr
,. our Account. and you agree to pay them when billed. The annual fee and charge are
nomr,tthe able unless you notflg us that you cash to close your account within 30 days or
me billing cyc whichever Is less) after we provide the stateinent on which theamoil fee
l 6d,91 is bill^l and at the -lie pill . you Into your outstanding balance in full. if you do
fora charge billed nc r? often than anntally such as a nonthly service charge. you will
not ,ue n,e last bifled charge however prior billed charges ,, of cable and tell
be pod as part of paying your outstanding balance in hill Your payment of the annual fee
r ne does not affect our rights to dose your Acco nil and to Ihno your right to make
?rr
„actions on your Account If your All"all ,s closed by you or as
•.vre will continue ro
nF -ee file anal aI fee arai charge ant:. you pay you Cif standing helence In lull and
ntate,I A cunt relarlonshlp
Calndation of Balance Subject to Interest Rate. To figure yetis perlodir interest charges
L, _-oh tilling „yole when a daily periodic stets' applies, tie „se the daily balance ,ni
lit 7 al c, rr, n tansacl o rs'. To figure your periods ntrest charges for each billing
cycle .when a mouthy periodic Stets) applies, we use the average dally balance me lhgd
eluding currant bansachonsl. For an explanation of either method. on questions aboul
r icvdar interest charge cularan on lour statenert . please Call Is at the tot free
ti tter_. -pie,nunil listed above
We r.alc.Cilde peer od , interest charge.,. u s ng !no applicable culotlic mb,o all on this
.statement separately for earth feature I,. q.. balance transitr checks and cash advance
a us I'rlI k iraIrlcIlon I. purchases, Bala I.;e transfers, cash advances. promotional
o f__s I ),lydrafl adI_These cal, ulal'o asnaycoabiredifferentcategoresull-
:te sa re peni r,cc, r,i rare, , •.?ah Ina markal toted on the Prime Rate
t ndar: dos bd Dr Aar_ tve,- ) TF nnteresi Vita,
C c. n. ill do>"r'bad ,. 4000Unt Ag ae ntntl any n Ill g cycle in
I'll y d: rte .-saeg . and atrattayon [e,for Bach belanGelran5N,
or, n I, at F, la sh atlsance'or check Iransact, n. in the amounts stated In your Account Agreement , as it
play be a o,nUod. Thera is a foreign itansa:hun fee et d°, of Ito U-S dollar amount of any
to-7. ta,action r. harnlmf 11 ibotl m WU, Aaaunt Agreement).
H,?, to A, k, d tarn, ] Inlersst a rdo, : 'A', h,gin as .,.ng per.di, nterest orange, oil I flautist, =e. ri t111,t :I nj 'she date I s aud..d to tour drub balance oath
account pad ft's..- na h r.; 'v?hr Account Agr„m,nt. fcur the date wall
be a' r lawn If 21 days follow ,lag tfr "I". of each b I' ng cycle. You can avoid periodic
Interest charges tin rent/ pumhasa: ;yhen they are ha billed to a statement as desenbed
below. brit this does not apply to Valance transfer;. cash advances or overdraft advances If
you receive a current Inonthly statement t lldt inIUudes nev; purchases and make a payment
that we receive by the date ,,it tall, the Mm,nn Paymanl is due for that statement. we will
list Charge periods ntem.t oa a nv l?rt on If thole new pa rulases that we shown, such
pa; Went to. an ring as 1 yc r cr rmnt staler ent also so-, that we received payment at
tire ending balance for your orev"„us mrnth' statement by the date and ti„w its Minimum
Payment vial din, OR 21 that ;s,e ending nalanr:, for your previoi,s months statement
If you ha h e otl than p ))chase balance and that balance carries a
gh p '-d interest dt:. tit lilay 'thl III to avoid periodic interest charges oil tel:'
pa I s-1y rf of lea i
. Iso !11 cllf tl.b a -,ve si a=_rally allI a le In pawill, ns first o the bat n , lh the n gI _. II Infir-sf he
Wnal To Oo II You Think You Find A Mistake On Your Statement
It .r.. Ili ilk file I, ar error ,tat,c It te If as or arotor r are ,heel atL slsn"
Sa,v,ue, PO Bc. 1521T9 whoa ))ton. DF ITP50 52 so
In your tenter UK, is the foko,vng imnrmofLI,
4 'rill lnimgl C. I, Ael tint,,Ilia our
• Dollar amount The dollar amount It '!Is suspected error
• Desc,iptwn of Problem. I l i u h lhinx,he,e is an ern;"' oLur bill describe what you
b Have is,,litng and M, you belie" If isa mistake
'sou n'.uot -I T tic within 69 days after the elms appeared on yon, staterl
f, insist fat f no If any p.ie 1 - iti g Y II s. tat d yo do
,Ce
I ant lid d to f-hove, sly rote lit gl 'on 'S a d y.a ni have to pay the a ))cunt
n glle5ti0n.
While we investigate y,hether uI riot there into. been an error. the fdlu.org are
• We usual try iJ to11e':1 f, nin ounl In question of report you as deknauent o-r that
the Jnarg,, i l t rn ))nay , or, yur statenert. and g e ' allay cournue m
ra
ralf I, III no Thala Bt I ,, call ,e -,ad, a stall,
oil = it IO nat. on pity IT,. nor sit 1111 o 1y tie ISt or other fees relate,
to that anlvuIT
• While you d? not have in pay 11, anounl in uuas,.iun. vo so, e-yonsibla lot the
r_ntalnder sit your balv,ur.
• We can aPf=1y any unpaid an„r,nt a.la,Irsl your credo limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If -a are dis.;atis ierl with till, gaoris l ark., that yon have purchased with your credit
card . and Von have tried in good fail) to cg, feet the panel Lor,,Ih th, are chains YOU
have the I p[ it not to pa the fe, moot Iy due on the o:uchase
,a run Otis Isfir all of tilt lolln,,inu it 11111 D?:
1. The p,n o,hzsetn IhsD ha,+. hero ,noel- In 'a- Ir I,nma state I within 110 miles lit
your ii tea nfasng adults. and d puldese puce If is, have been more titan
$SO.'Note Neill, gl lhes a ssarv it y,- purchase vas based on an
advar eallwc nailed to ae awn file noinpanythat said you the goods
fir servua> I
Y,c msistthe-,r,,dt-. IC rsthn I, n, rasa. Far:a Wade rgihash
z
slo,ances fr an ATM aril I.'Ll, that a your cndal ;srd Account e',
dt gunllt,.
au.,, I.,of l g, htlyr tll....I psi:chase
Il all I the g at a ,ll ,it 1111.8 1 t the p e
. cc Marl
'es
an ,fin ,l atf r r._.. -.I .0yor,v t Do 1191o S?sli
gy: I- ,Iyest le. One sane lutes apply y: the dssti amount as dis.ussed abege.After
;II on, - g a ,,1.1111l r ? ll 1- At „tat print . i ._e i fink you u.;a
a nart Ono.. d no, Vein ,lit..) as nenguent
MA1202009
Statement Date. 04/25/10 - 05/24/10
Account Number. 4266 9020 1285 6298
Page 2 of 2
2010 Totals Year-to-Date
Total fees charged in 2010 $156.00
Total interest charged in 2010 $211.60
Year-to-date totals reflect all charges minus any refunds
applied to your account on or after January 31. 2010
INTEREST CHARGES
Your Annual Percentage Rate (APR) is the. annual interest rate on your accounl
Annual Balance Accrued
Balance Percentage Rate (APR) Subject To Interest Interest
Type 30 Days In Cycle Interest Rate Charges Charges
Purchases 27.99% $1,894.40 $43.58 $0.00
Cash Advances 27.99% $542.11 $12.47 $0.00
Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice,
How to Avoid Interest on Purchases. and other important information, as applicable.
This Statement is a Facsimile - Not an original
X 0000001 FIS3333b C 4 000 N Z 24 10105124 Page 2 of 2 06272 MAMA 671 i3 14410000040006715302
bit
It CI/
91LL OF SALr_
Closinc; Date: 12/29/2011
CHASE ! i
Chase Dank USA, N.A. ("Seller"), for value received and pursuant to the terms and conditions of Credit Card
Account Purchase Agreement dated 12/22/2010 between Chase Bank USA, N.A. and Global Acceptance
Credit Corn Lny?LP ("Purchaser"), its successors and assigns ("Credit Card Account Purchase Agreement"),
hereby assigns effective as of the File 0-cation Date of 12/27/2011 all rights, title and interest of Seller in
and to those certain receivables, judgments or evidences of debt described in t)te Final Data file, entitled
(Account's Primary File Name) attached hereto and made part hereof for all purposes.
Number of Accounts I ;1.
Total Unpaid Balances $69 98 484.22
Premium
Due Seller
Amounts due to Seller by Purchaser in hereunder shall be paid U.S. Dollars by a wire transfer to be received
by Seller on (the "Closing Date") 12l29r2.01 l by 2:00 p.m. Seller's time, as follows:
Chase Bank USA, N.A.
ABA#MMMS
Beneficiary Name: Chase Bank USA, N.A.
Beneficiary Account:
This BW of Sale is executed without recourse except as stated in the Credit Card Account Purchase
Agreement. No other representation of or warranty of title or enforceability is expressed or implied.
Chase Bank USA„N.A.
By:
Gricka Long
Date: 12/27/2011"
Title: _Team ManaLer__T
V 10 26 2011
GlobaOZr. edit Company, LP
By. --- _ Date: _ VA Z-1?20 'title _- V Y'l46, ` rJ -----
r A
Excerpt from
Exhibit I
CoBrand: CHASE BANK USA
Account No.: 4266902012856298
Service Date: 5/25/05
Charge Off Date: 5/31/10
Date of Last Payment: 10/08/09
Debtor Last Name: YAMAGUCHI
Debtor First Name: JOAN
Debtor Address: 326 HIGH MOUNTIAN ROAD
Debtor City: SHIPPENBURG
Debtor State: PA
Debtor Zip: 17257
Debtor SS#:
Debtor Home Phone:
Debtor Bus Phone:
Balance: $3,130.83
GLOBAL ACCEPTANCE CREDIT COMPANY, I_P
5850 W I-20, SUITE 100
ARLINGTON, TEXAS 76017
ASSIGNMENT AND BILL OF SALE
Global Acceptance Credit Company, LP ("Seller") has entered into a Loan Sale
Agreement, dated January 6, 2012 ("Agreement") for the sale of Accounts described in
Schedule A thereof to Ability Recovery Services, LLC ("Buyer"), upon the terms and
conditions set forth in that agreement.
NOW THEREFORE, for good and valuable consideration, Seller hereby sells, assigns
and transfers to Buyer all of Seller's rights, title and interest in each and every one of the
Accounts described in the Agreement, provided however such transfer is made without
any representations, warranties or recourse, except as provided in the Agreement.
Buyer and Seller agree that the Purchase Price shall be stated in Schedule A, attached to
the Agreement.
IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 6'h Day
of January, 2012.
Global Acceptance Credit Company, LP
By: O&J-L-) J"--,
Mike Varrichio President/CEO
Global Acceptance Credit Company
5850 West Interstate 20, Suite 100
Arlington, Texas 76017
Agreement: 1/6/2012
Original Creditor: Chase Bank USA
Number of Accounts: 450
Outstanding Balance:
IN THE COURT OF COMMON OF CUMBERLAND CQU
PENNSYLVANIA ,,;-l 0'1 01#0 CIVIL DIVISION
PLAINTIFF
ABILITY RECOVERY SERVICES, LLC
P.O. BOX 4031
WYOMING, PA 18644
NO.: 12-4406-CV
DEFENDANT
JOAN YAMAGUCHI
326 HIGH MOUNTAIN ROAD :
SHIPPENBURG, PA 17257 _
CERTIFICATE OF SERVICE
X12 AUC -6 Pik 1.02
CUMBERLAND CO NiY
PENNSYLVANIA
1, James T. Mulligan, Jr., In-House Counsel for Plaintiff, hereby certifies that I
have served a true and correct copy of Complaint, via US First Class Mail, postage
prepaid, this date shown below, to the following:
Date:
Joan Yamaguchi
326 High Mountain Road
Shippenburg, PA 17257
K k's P.O. Box 4031
Wyoming, PA 18644
PA ID # 51794
In-House Counsel for
Plaintiff
Lul 12 AUG 23 PM 2: 29
'CUMBERLAND COUNTY
PENNSYLVANIA
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
ABILITY RECOVERY SERVICES, LLC., NO.: 12-4406-CV
Plaintiff,
V.
JOAN YAMAGUCHI,
Defendant.
PRELIMINARY OBJECTIONS
AND NOW, this 21St day of August, 2012 comes the Defendant, by and through her attorneys,
Menges & McLaughlin, PC and Matthew D. Menges, Esquire and preliminarily objects to
Plaintiff s complaint as follows:
Pa.R.C.P.1028(a)(1) - Lack of Subject Matter Jurisdiction
1. Plaintiff filed its complaint August 6, 2012. Said complaint is incorporated herein by
reference.
2. Plaintiff includes three counts in its complaint: 1) Breach of Contract; 2) Account Stated;
and 3) Unjust Enrichment.
3. Plaintiff attaches what it alleges to be the written agreement between the parties as
Exhibit "A" to its complaint. See ¶ 4.
4. The Agreement alleged by Plaintiff to be the Cardholder Agreement contains a
mandatory, binding arbitration provision.
5. The arbitration provision specifically binds "any purchaser of your account" to
mandatory, binding arbitration as well. See Exhibit "A," at Parties Covered.
6. The mandatory, binding arbitration provision covers Plaintiff's instant claims. See
Exhibit "A," at Claims Covered.(where it states, "This Arbitration Agreement governs all
Claims, whether such Claims are based on law, statute, contract, regulation, ordinance,
tort, common law, constitutional provision, or any other legal theory of law...")
7. Defendant may now claim the benefit of the Arbitration Agreement, even though she has
not raised the requirement prior to these preliminary objections. See Exhibit "A," at
Enforcement, finality, appeals. (where it states, "Failure or any delay in enforcing this
Arbitration Agreement at any time, or in connection with any particular Claims, will not
constitute a waiver of any rights to require arbitration at a later time or in connection with
any other Claims.)
8. The Arbitration Agreement is made specifically under the Federal Arbitration Act, and is
not a common law arbitration procedure. See Exhibit "A," Binding Arbitration (where it
states, "This Arbitration Agreement is made pursuant to a transaction involving interstate
commerce, and shall be governed by and be enforceable under the Federal Arbitration
Act. , . ")
9. Because the instant dispute is subject to a mandatory, binding statutory arbitration
provision, this Honorable Court is without subject matter jurisdiction.
WHEREFORE, Defendant Joan Yamaguchi respectfully requests this Honorable Court dismiss
Plaintiff's Complaint with prejudice.
Respectfully submitted,
?\J
Matthew. D. Menges, Esquire
Sup. Ct. I.D. No. 208132
Menges & McLaughlin, PC
145 East Market Street
York, PA 17401
(717) 843-8046
Fax (717) 854-4362
nunenges ,yourlawlirmforlife.com
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
ABILITY RECOVERY SERVICES, LLC., NO.: 12-4406-CV
Plaintiff,
V.
JOAN YAMAGUCHI,
Defendant.
CERTIFICATE OF SERVICE
I, Matthew D. Menges, do hereby certify that on this 21St day of August, 2012, a true and
correct gopy of the foregoing document was served on the below named at the address indicated
via first class U.S. Postage, pre-paid thereon:
James T. Mulligan, Esquire
P.O. Box 4031
Wyoming, PA 18644
In-House Counsel for Plaintiff
Respectfully submitted,
Matthew. D. Menges, Esquire
Sup. Ct. I.D. No. 208132
Menges & McLaughlin, PC
145 East Market Street
York, PA 17401
(717) 843-8046
Fax (717) 854-4362
mmenges(a?yo urlawfirmforlife.com
Ml'o
PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in triplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next
Argument Court.)
--------------------------------- - ---------------------- - ------------------------------------ - --- - ---------------
J ra
CAPTION OF CASE `--
(entire caption must be stated in full) MW cn
rn ?
cn ?
ABILITY RECOVERY SERVICES, LLC., '-
rn
vs. co 3-
C--) ZE
JOAN YAMAGUCHI v
No. 12-4406-CV arm o
1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to
complaint, etc.):
Defendant's Preliminary Objections to Plaintiffs Complaint
2. Identify all counsel who will argue cases:
(a) for plaintiffs:
James T. Mulligan, Esquire
(Name and Address)
Ability Recovery Services, LLC, P.O. Box 4031, Wyoming, PA 18644
(b) for defendants:
Matthew D. Menges, Esquire
(Name and Address)
145 East Market Street, York, PA 17401
3. i will notify all parties in writing within two days that this case has been listed for
argument.
4. Argument Court Date:
October 5th, 2012
Signature
1 f IQ IAIL,/ le Ma AGJ
Print your name
jj 2;)- f )) Attorney for e ej a h
Date:?S1 l?
--; C"?
CD -1
INSTRUCTIONS:
1. Original and two copies of all briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 14 days prior to argument.
3. The responding party shall file their brief 7 days prior to argument.
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case is relisted.
IL ?1.75poI a
a 735
?? 3a
-Tr