Loading...
HomeMy WebLinkAbout12-5236 ~E ~ Q7~h'pNQ rAk ,r sue 22 09 ~`~M~Ea~q~D COUNTY pE1dNS YLV1~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNT , PENNSYLVANIA CIVIL DIVISION PLAINTIFF ABILITY RECOVERY SERVICES, LLC P.O. BOX 4031 WYOMING, PA 18644 COMPLAINT IN CIVIL ACTI N VS. DOCKET NO.: ~a - Sod ~Q ~ DEFENDANT JACK W. WHEATLEY 381 N. 27TF{ STREET CAMP HILL, PA 17011 FILED ON BEHALF OF PLAINTIFF ATTORNEY OF RECORD OF THIS PARTY: James T. Mulligan, Jr., Esq. PA LD # 51794 Q~ y(~3 ~ a ~ ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, III PENNSYLVANIA CIVIL DIVISION PLAINTIFF ABILITY RECOVERY SERVICES, LLC P.O. BOX 4031 WYOMING, PA 18644 NO.: vs. DEFENDANT JACK W. WHEATLEY 381 N. 27TH STREET CAMP HILL, PA 17011 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 e 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 f 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 cla' or relief requested by the plaintiff. You may lose money or property or other rights important t 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 i ~ III ABILITY RECOVERY SERVICES, LLC IN THE COURT OF COMMON PLEAS P.O. BOX 4031 OF CUMBERLAND COUNTY WYOMING, PA 18644 PLAINTIFF CIVIL DIVISION vs. JACK W. WHEATLEY 381 N. 27T" STREET CAMP HILL, PA 17011 DOCKET NO. DEFENDANT COMPLAINT NOW COMES, the Plaintiff by and through its Attorney, James T. Mulligan, Jr., Esqu re 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 Coun , Pennsylvania and offices located at 921 Oak Street, Scranton, Lackawanna County, Pennsylvania. 2. The Defendant is jack W. Wheatley, an adult individual, who currently resides at 381 N. 27th Street, in Camp Hill, Cumberland County, Pennsylvania, 17011. COUNTI-CONTRACT 3. Defendant applied for and received a credit card with CHASE, USA NA bearing the account number (4147202036239950), on or about June 29, 2001. 4. Defendant made use of said credit card, thus accepting the offer of credit, and has a current balance due of Seventeen Thousand Three Hundred Seventy Three Dollars and Thirty Seven Cents ($17,373.37) as of August 15, 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 an 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 conservati e 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/ r refused to pay the balance due to Plaintiff, thus damaging Plaintiff. Wherefore, the Plaintiff, ABILITY RECOVERY SERVICES, LLC, prays for judgmen in its favor and against Defendant, Jack W. Wheatley, individually, in the amount of $17,373.3 , with continuing pre judgment interest thereon at the rate of 19.99% per annum from August 15, 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 charge 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 judgmen in its favor and against Defendant, Jack W. Wheatley, individually, in the amount of $17,373.3 , with continuing pre judgment interest thereon at the rate of 19.99% per annum from August 15 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. _ i Wherefore, the Plaintiff, ABILITY RECOVERY SERVICES, LLC, prays for judgment in its favor and against Defendant, Jack W. Wheatley, individually, in the amount of the reasonable value of benefits conferred, to be determined, plus interest, plus costs. Dated: ~ ~ V ~ ~ ames T. Mulligan, Jr., Esquire ALD#51794 P.O. Box 4031 Wyoming, PA 18644 (866) 760-6205 ext. 235 In-House Counsel for Plaintiff This company is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. I _ _ _ _ _ i III VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. Section 490 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 Complaint, are true and correct to the best of his knowledge, information and belief. Date: Ja es .Mulligan, Jr., In- o e Counsel Exhibit «A» MASTERCARD'ant! UISA~ CARDMEMBER AGREEMENT GENERAL TERMS i. Meaning a! Words Used in This Agreement. "Agreement" means this document and the Pricing Schedule (which may initially appear on your card carrier containing your credit card), as either may be amended from time to time. The numbered Boxes referenced in this Agreement are located in the Pricing Schedule. In this Agreement, "you," "your" or "yours" means each person who applied for the Visa or MasterCard Account. "We,'" "us" or "our" means Chase Manhattan Bank USA, National Association. "Account" means the Visa or MasterCard Account for which you were issued cards and checks imprinted with your Account number. "Authorized User" means any person to whom you have given permission to use your Account. "Card" means the Visa or MasterCard card(s) issued in connection with your Account. "Check" means Chase Convenience Checks. "ATM" means Automated Teller Machine. "Our check" means a check drawn on us or one of our a#filiates. "Seller" means any merchant, insurance company or its agent or broker. 2. Services of This Aceourd. This Account may be used for Purchases from any Seller that accepts the Card and for Advances. You agree not to make or permit to be made any illegal transactions on your Account through the use of a Card, a Check or any other manner. 3. To Use Your Card. You must sign the panel on the back of your Card. Authorized Users of any additional Card(s) should sign their names on the panel on the back of those Cards. For Purchases, you will have to sign a sales slip that has your name, the Seller's name, and your Account number on it, unless you let the Seller complete the sales slip for you. 4. Your Responsibilities for This Account. You are responsible for all amounts owed on this Account, whether charged by you, a person whom you permit to obtain credit on your Account (such as by lending a person your Card), or any other person using a Card or your Account with actual, implied ar apparent authority. You agree that anyone who is issued a Card for your Account (or anyone to whom you lend ar give your Card) is authorized to make charges to your Account to the same extent as you and the are not responsible for controlling such use of your Account. Such authority will continue until you revoke it by notifying us, obtaining the Card in your physical possess(on, and if it is a Card issued to an Authorized User, by also cutting it in half. i 01033 _ i if you receive a benefit from the use of your Card or Account destroying it. All other payments should be sent to the by another person, such use will not be considered regular payment address shown on your monthly unauthorized. We may require Authorized Users to repay the statements. amount owed for the charges they make. g. Returned Payment Fee. You will be charged the fee 5. Your Credit Line. Your credit line is the most you may disclosed in Box 10 for each check or payment instrument owe on your Account at any time. You will be told the given in payment which is returned to us or which we cannot amount of your credit line. You may not use your Account In process under our normal operating procedures, zny way that would cause you to go over your credit line. iD. Minimum Payment. You may pay either the Minimum You may also be asked to Immediately pay for any amount payment or any amount over that up to the New Balance. over your credit line. We may change your credit line or Your Minimum Payment must be in accordance with our separate the amount of your credit line into available credit payment instructions and received by the time of day en the • for Purchases and Advances. If the credit line is changed or payment Due Date shown on your statement. Your limited, you will be notified. Minimum Payment is calculated by taking the New Balance 6. Overt€mit Fee. If your Account balance (including any and deducting any amounts which you have properly notified France Charges and any tees and charges owed on your us are in dispute (see notice "In Case of Errors or Inquiries Account) is aver your credit line at the end of a billing cycle, About Yeur Bill") and multiplyir~ that amount. by three there will be an Overhmii Fee as disclosed in Box t0. This percent (3%). li the resulting amount is more than i10, it fee will be imposed only once during the billing. cycle, but will will be reduced to the next lowest dollar. tf the resulting be imposed•in each billing cycle that you are over your credit amount is less than $10, it will be Increased to $10. To this line even if we authorize the transaction which causes your amount we add any Past Due Amounts and, at our option, credit line to be exceeded. any amounts in excess of your credit line. The Minimum 7. Anauat Fee. If there is an Annual Fee for the Account, Payment will never be more than the New Balance. you will be billed the Annual Fee disclosed in Box 7 whether 11. Late Payment Fee/Charge. There will be a Late or not you have used the Account. If your Annual Fee has Payment Fee/Charge in the amount disclosed in Box 10 it we been waived, ft will be billed when the waiver period has do not receive In accordance with our payment instructions ended, and will then continue to be billed on an annual basis. the Minimum Payment by the time of day on the Payment The Annual Fee is non-refundable. Due Date shown on your monthly statement. 8. Paymems. All payments must be made and received by 12. I€ Your Cards or Checks are Lost or Staten. If someone us in accordance with the payment instructions that appear used your Cards} or Checks without your permission or if on or with your monthly statements and accompanying they are lost or stolen, contact us immediately. You may call envelopes. Payments must be in United States Dollars and or write. Cali toll free 1-800-441-768'1 anytime Irom all 50 drawn on a United States financial institution or the United states, Washington, D.C., Puerto Rico, and the U.S. Virgin States Postal Service. In our sole discretion we wilt decide Islands. for all other locations call 813-884-2997 collect. how to apply your payments. Although we post your Write to; P.O. Box 15919, Wilmington, DE 19850-5919. You payments as of the business day we receive them as may be liable for the unauthorized use of your Card(s) in an described on your statements, your Total Available Credit amount not to exceed $50 in any case where your Card(s) may not be restored for up to 15 days after we post your are lost or stolen and you fall to contact u5 within twenty- payrnent. Any payment check which you send us for less four (24) hours. You will not be liable for such unauthorized than the full balance due that is marked "paid in full" or with use if you contact us in the manner described immediately a similar natation or that you otherwise tender in full above within the twenty-tour {24) hour time limit or before satisfaction of a disputed amount (conditional payments), the unauthorized use occurs. must be serrt to us at the conditional payments address 13. II Your Card or Check is Relused. We are not listed on your monthly statement. We reserve all our rights responsible it a Seller, Bank or ATM refuses to honor your regarding such checks. For example, if it is determined there Card or Check. Although you may have credit available, we is no valid dispute or if any such check is received at any may not authorize credit for a particular transaction due to other address, we may accept the check and you will still owe any remaining balance. We may refuse to accept any operational difficulties or, in our discretion, for any other ' such check by returning it to you, not cashing it or by appropriate reason. 2 3 01034 _ r I Transactions made above a certain dollar amount may Visa International, respectively. For each transaction in a require authorization before the transaction is approved. The foreign currency, we will charge a foreign transaction fee of number of tratsactions you make ir, one day may be limited two percent (2%) of the converted transaction amount. This by us. This is done for security reasons, and as such, the fee may be abbreviated as "For. Tran. Fee." For each such details of how the authorization system works are not listed transaction converted into a U.S. Dollar amount that must be in this Agreement. Neither we nor our agents will tre converted back into a foreign currency because of a refund responsible if authorization for a transaction is not given. if or other reversal of the transaction, the same currency your Account is overlimit or delinquent, credit authorization conversion rate formula and procedures will tre used. for transactions may be declined. 18. Authorization to Provide Infermation. You authorize 14. Monthly Statements. Each month there is a debit or us to provide certain information on you and your Account to credit balance of more than $1, or a Finance Charge has been our affiliates and others, including any company whose imposed on your Account, we will mail you a statement. name or mark may appear on the Cards. Complete details 15. Safes Stip or Dupllcate'Statement Fee. You will be regarding our rights to share information and your right to charged the tee disclosed in Box 10 for each original or opt-out of certain information being shared is provided fo copied sales slip and duplicate statement you request. The You when you first receive an Agreement and at feast once fee is not owed if a request for such a document reveals a each calendar year thereafter. billing error or unauthorized use an your Account as defrned 19. Disputing Aeeaunt Information Reported to Credit by the Federal Reserve Board's Regulation Z. Bureaus. We furnish information about your Account to 16. Billing Errors. If you have a dispu#e about your credit bureaus, You have the right to dispute the accuracy of Account, notify us as soon as possible. Please read the the information reported by writing us at P.t). Box 15823, notice "In Gase of Errors or Inquiries About Your Bill." This Wilmington, DE 19850-5823. notice explains your legal rights about billing errors and 20. Changing the Terms of This Agreement. We may defenses under Federal Law and how you rnust notify us. If change any of the terms of this Agreement, including without any adjustment is made, we wilt credit your Account. limitation by adding new terms or by deiettng or modifying 17. Currency Conversion. If you effect a transaction with existing terms. We will notify you of any such changes as your MasterCard card or Visa card in a currency other than required by law. Any changes to this Agreement can apply U.S. dollars, MasterCard International Incorporated or Visa to ail outstanding unpaid Indebtedness and any new International, as appropriate, will convert the charge into a transactions on your Account. We may sell or transfer your U.S. dollar amount. MasterCard International or Visa Account and any amounts owed on your Account to another International will use its conversion procedure, which is person at any time. If we do, this Agreement wdl still be in disclosed to institutions that issue MasterCard cards or Visa effect and any successor wrll have our rights In this cards, respectivey. Currently, the currency conversion rate Agreement to the extent assigned. used by MasterCard International or Visa International to 21. Detain! and Collection Costs. Your Account will be in determine the transaction amount in U.S. dollars for such default and we can require that the total outstanding balance transactions is generally either agovernment-mandated rate be paid i1: (1) you fail to pay any amount owed under this or a wholesale rate determined by MasterCard International Agreement when due; (2) you exceed the credit limit in effect or Visa International, as appropriate, far the processing cycle on your Account; (3) you do not follow the terms of this in which the transaction is processed, increased by an Agreement; (4j your ability to pay us is materially impaired .adjustment factor established from time to 11me try (including, but not limited to, bankruptcy or insolvency MasterCard International and Visa International, respectively. proceedings that are initiated by or against youj; or (5) you The currency conversion rate used by MasterCard default on any other loan or credit obligation you have with International or Visa International on the date your us or ono#her creditor. We do not have to notify you or transaction is processed by MasterCard International or Visa demand payment in order to take this action. If you are in international may differ from the rate that would have been default, we may, as permitted by law: cancel your credit used on the purchase or transaction date or the cardholder privileges and require you to pay the unpaid balance statement posting dale. The adjustment factor that is part of immediately; require you to pay interest at the rate of two the Currency conversion rate is one percent, buE may be percent (2%) a month on the unpaid balance when we deem changed from time to time by MasterCard International or your Account to be six or more billing cycles past due; and s 01035 _ _ i require you to pay reasonable attorney's fees, any court 2. Balance Transter Transactions. Balance Transfer costs and other collection costs incurred by us in the transactions are treated as Purchases except as noted in this collection of any amounts you owe under this Agreement. Agreement. These transactions will not he eligible far the 22. Cancellation. We may close your Account at any time. grace period for Purchases, except as stated in the terms of You will be responsible for repaying any Purchases, any Balance Transfer offer made to you. We may identify Balance Transfers and the related promotional balances by Advances or ottrer outstanding charges that are still due on different terms such as 'Transferred Balance" or "Balance your Account. Your Card is issued as a way of letting you Transfer." If the special rates stated in an after will apply only use your Account. It may not be transferred. If we request to Purchase ar Advance balances dated on or after the date the Card(s), you must return them. Any services not the Balance Transfer transaction is posted to your Account, described in this Agreement that may be provided from time we may identify such promotional balances as "Current to time in connection with the Account are not part of this Purchases" or "Current Advances:' All other Purchases or Agreement and may be changed or cancelled at any time Advances in such an offer may be identified as "Prior without notice or refund, Purchases" or `Prior Advances," and will be sub(ect to the 23. Governing law. This Agreement is governed by the same terms in effect when you accepted our offer. If the laws of the Unffed States and the State of Delaware. Any Periodic Rate for a Balance Transfer transaction is the same dispute concerning any item in this Agreement will be as the Periodic Rate for another balance on your Account resolved by those laws. (including, but nat limited to, when any special rate from a 24. Tefephoee Nlonitaring. You agree that your telephone Balance Transfer transaction expires), we may combine the communications with us may be monitored and recorded to Balance Transter balances with other baaances on your improve customer service and security. Account and refer to those combined balances using other 25. Delayed Enforcement. We may delay enforcing or not terms such as Purchases or Advances. if a check or other enforce an of our rights under this A reement without form of transfer for a Balance Transfer transaction is used to y 9 pay any amounts you owe to any JP Morgan Chase bank or losing any of them. company, IS made payable to cash, ~s received by us and 26. Severabilfly. The invalidity of any provision of this posted to your Account after the expiration date of the offer, Agreement shall not affect the validity of any other provision. is otherwise used in a way that does not transfer balances you owe to other creditors to your Account, or is used in any way not specified in the promotional offer we make you, we SPECIAL RATES reserve the right to refuse to honor that Balance Transfer i. Special #tatss. From time to time, we may offer you transaction or to treat It as an Advance. special Periodic Rates and terms on your Account, either far balance transfer transactions using special checks or other 3. Transaction Fee for Balance Transter Transactions. For written request forms we provide or verbal requests for such each Balance Transfer transaction described in any offer we transfers which we agree to honor (referred to as "Balance may make to you, we may charge a Transaction Fee FINANCE Transfers" for purposes of this Agreement) or for other CHARGE in the amount disclosed in Box 9. This fee may be offers on your Account such as introductory, promotional or reduced in our sole discretion in any offer we make to you. other reduced rate offers. If we do, we will advise you of the Transaction Fees are part of the Finance Charge. The special rates, how long they will be in effect, the balances to addition of Balance Transfer Transaction Fees may cause the which they will apply, and the rates that will apply. after the Annua! Percentage Rate far Balance Transfer transactions to • special rates expire. The terms of this Agreement apply to exceed the nominal Annual Percentage Rate shown on your any such special rates. If a special rate is variable, then the statement. "Variable Rate" terms of this Agreement (including the Pricing Schedule} will apply. You may lose any special rate that is offered you and regular/standard Preferred Pricing TERMS FOR ADtfANCES will apply, if you fail to make any required minimum payment ~ Advances. An Advance is a cash loan or similar by the Payment Due Date. You may lose regular/standard Preferred Pricing and Non-Preferred Pricing will apply, if you transaction, You may take an Advance as follows. 1) Using fail to meet the conditions of the "Preferred Customer Your Checks. These Ghecks may only be used by the Pricing Eligibility" section of this Agreement. person(s) whose names are pre-printed on the Checks. We s ~ 01036 T _ wilt not certify these Checks. 2) Using any of our ATM's or any ATM, which may be provided for your use by another financial institution or company. 3) Using a Cash Advance slip. Cash Advance slips may be obtained from any of our branches or from any bank that accepts the Card. 4) using the official check mailed to you in response to your request. 5) Using any other service that may be connected to your savings or checking accounts, which may be offered by us, that allows you to take Advances on this Account. 6) Entering into transactions that involve the purchase of items convertible to cash or similar transactions. which we may treat as Advances, including but not limited to wire transfers, money orders, travelers checques, gaming transactions, and tax payments. Advances may also be referred to as Cash Advances or Cash. 2. Igecllned Checir Fee. You will be charged the fee disclosed in Box 10 for each Check or Balance Transter check issued which cannot be processed because you are over your credit line, or would be if such check were processed, or your Account is delinquent or closed. 3. Stop Payment Fee. You will be charged the fee disclosed in Box 10 for each request you make for us to stop payment on a Check or other form of Advance we make on your behalf or to cancel a stop payment request. You must provide us with any information we reasonably require in order to process your stop payment or cancellation request. We do not have to honor any stop payment or cancellation request unless we have a reasonable opportunity to act on it before the Check or outer Corm of Advance is paid or approved for payment. We will not be liable in any way far any step payment er cancellation request that we honor er fait to honor if we used ordinary care. 4. Limits en Advances. For Advances taken from an ATM, there is a limit for each transaction and a daily limit that you may obtain. 5, Service Charge/Transactlon Fee for Advances. For each Advance, there will be a Transaction Fee as disclosed in Box 9. Any minimum and maximum Transaction Fees are also disclosed in Box 9. The total amount of Transaction - Fees will be shown in the descriptive portion of your statement. Transaction Fees are part of the Finance Charge. The addition of Transaction Fees may cause the Annual Percentage Rate on Advances to exceed the nominal Annual Percentage Rate shown on your statement. 6. Our fiesponsi6ilities to Honor Checks. We may not accept your checks if: t j by paying a Check or our check you would go aver your credit line; 2} your Check or payment ' check is postdated; 3} your Cards or Checks have been 8 01037 reported last or stolen; 4) your Account has been cancelled Purchases (excluding days which end with a credit balance), or has expired. If a postdated check is paid and as a result and divide each sum by the number of days in the billing any other check is returned or not paid, we are not cycle. This gives us the average daffy balances for Balance responsible. You may not use a Check to pay any amount Transfers, Advances and Purchases. All fees charged to your you owe under this Agreement. Account are added to the appropriate Purchase balance, except for any Transaction Fee which Is added to the TERMS FOR PURCHASES appropriate Purchase, Advance or Balance Transfer balance. This Agreement provides for the compounding of Finance You may use your Account to purchase or tease goods Charges. and services or for lodging services when making Than we multiply each average daily balance by the guaranteed reservations or advance deposits. applicable daily Periodic Rate, and then by the number of days in the billing cycle. The daily Periodic Rate will equal TERMS FOR BALANCE TRANSFERS, ADVANCES f/365th of the Annual Percentage Raie. The daily Periodic AND PURCHASES Rate and Annual Percentage Rate are discbsed in the applicable portion of the Pricing Schedule, as may be 1. Calculation of Finance Charge far Balaace Transters, amended from time to time. These FINANCE CHARGES Advaaces and Purchases. That portion of the Finance determined by Periodic Rate for Balance Transfers, Advances Charge which is determined by using the daily Periodic Rate and Purchases are added to any Transaction Fels to get the is ca~ulated separatery for Batance Transfers, Advances and combined amount of FINANCE CNAR6E shown on your Purchases, but using the same method {generally known as monthly statement. For Purchases only, there is a minimum the "average daily balance, including new transactions" FINANCE CHARGE of fitly eanls (;.50) if a Finance Charge method). Separate average daily. balances (which may be for Purchases is imposed. referred to as "Finance Charge Balances") are calculated for There will not be a periodic rate Finance Charge on Balance Transfers, Advances and Purchases, and each such purchases if we receive payment for the "New Balance" by balance is multiplied by the applicable daily Periodic Rate. the time of day on the "Payment Oue Date" shown on the Subject to the grace period for Purchases described below, monthly statement. (This is known as the "grace period.") Finance Charges accrue on Purchase, Advance and Balance You may also avoid Finance Charges for new Purchases for Transfer transactions and fees beginning on the date the the first billin c cle in which the are transaction occurs or on the first day of the billing cycle it is g y y pasted to your received by us {whichever is later), or, at our option, the date Account if that cycle began with a "Previous Balance" of zero the transaction is posted to your Account. Finance Charges or the "Previous Balance" is reduced to zero by credits or continue to accrue unfit payment in full is received. Payments we receive by the time of day on the "Payment Due Date" shown on your previous monthly statement. Payments We determine each of the average daffy balances as must be in accordance with our payment instructions. There follows. Far each day in the billing cycle, we take that day's is no grace period for Balance Transfers unless the terms of beginning balance for Balance Transfers, Advances and the Balance Transfer offer state there will be a grace period, Purchases (an amount that includes accrued andlor unpaid and for Advances. Finance Charyes, fees and other charges from previous p. Periodic Rate. The daily Periodic Rates applied to the billing cycles) and add any new Balance Transfers, Advances, Balance Transfers, Purchases and Advances average daily Purchases, or other debits to the appropriate balance. We balances and the corresponding ANNUAL PERCENTAGE also add to each such balance an amount equal to the previous day's ending balance of Balance Transfers, RATES are in the Pricing Schedule. Where the Pricing Advances or Purchases multiplied by the applicable daily Schedule includes "Variable Rate Index and Margin" Periodic Rate (or if more than one rate could apply information for a particular rate that applies to your Account, depending on the average daily balance reaching a certain that rate is a variable rate and the disclosure below regarding level. the lowest applicable rate). We then subtract from the variable rates apply for that rate. Where the Pricing Schedule appropriate balance any payments or credits posted that day. does not include such "Variable Rate Index and Margin" Tliis gives us the daily balances for Balance Transfers, information far any particular rate (as indicated 6y an "N/A" Advances and Purchases. We then add all of the daily for "not applicable" or the absence of such information in the balances separately for Balance Transfers, Advances and Pricing Schedule), that rate is fixed and the disclosures below regarding variable rates do not apply. Further, for any 0 io 0 1038 particular rate in tha Pricing Schedule that is preceded by the as new balances and will be effective with the billing cycle terms "Preferred" or "Non-Preferred",that rate is sub)ect to ending on the review date. the "Preferred Customer Pricing Eligibility" section that To keep Preferred rates, the following conditions must appears below. When your Account satisfies the "Preferred be met as of the review date: Customer Pricing" conditions, the "Preferred" rates apply; when it does not, the "Non-Preferred" rates apply. You have made at feast the required minimum payments when due on your Account and on all other 3. Variable Ralss, if the daisy Periodic Rate and loans or accounts with us and your other creditors; and corresponding ANIRIAL PERCENTAGE RATE that apply to the credit limit on your Account has not been exceeded; your Account are vanabfe rates {see Pricing Schedule}, they and may increase or decrease from one billing cycle to another. These rates are based on the value of an Index {the "index") any payment on your Account has not been returned tv which we add a margin. The Index and margin are in the unpaid. Pricing Schedule- The Index plus the margin determine the ff you do not meet allot these conditions, then you will nominal Al~NUAL PEACENTAGE RATE. be In default under this Agreement and your Account may !f the Index is not published on the relevant date, the lose ifs Preferred rates. In this event, Non-Preferred rates Index we use in setting the daily Periodic Rate for Purchases wilt apply as described in this section. When we review your and/or Advances on your Account will be the Prime Rate gccount in subsequent monthly reviews, we may determine published in 7fre New Yark Trines or any other newspaper of to charge a reduced Non-Preferr~ rate or even reinstate the national circulation selected by us. For purposes of this Preferred rate if, for a time period not to exceed t2 months, Agreement, the Index is merely a pricing index. It is not, and the following conditions are met: your Account is open, you should not be considered by you to represent, the lowest or have made the required minimum payments when due on the best interest rate available to a borrower at any particular your Account and on all other loans or accounts with us and bank at any given time. your other creditors, the credit limit on your Account has not The daily Periodic Rate for Balance Transfers, been exceeded and any payment on your Account has not Purchases and/or Advances increases when the Index been returned unpaid. increases on the relevant date, and decreases when the Index We may obtain consumer credit reports from credit decreases on the relevant date, An increase in the rate may bureaus on you at any time in the future. We may use the cause you tv pay a larger Finance Charge and a higher reports and their contents, as well as information about your minimum monthly paymen4. A decrease in the rate may Account including its payment history and level of utilization cause you to pay a smaller Fnance Charge and a lower over the tits of your Account, and your other relationships minimum monthly payment. Any limit on the amount by with us and our affiliates to review your Account including which the daily Periodic Rate and the corresponding Annual far the purposes of determining its eligibility for Preferred Percentage Rate may change at any one time or over the life rates and of establishing the Non-Preferred rates that may of your Account is set forth in the Pricing Schedule. If no apply to your Account. limit appears for any particular rate, then that race has no limit by which it may change. Consumer Reports. We may obtain consumer credit 4. Preferred Customer Pricing Eligiblllly. Ef "Preferred" reports from credit bureaus on you at any time to review and "Non-Preferred" rates appear in the Pricing Schedule, your Account. this section applies to your Account. Your Account will be reviewed every month on your Statement Closing Date to FOR OHID RESfDENTS. The Ohio laws against determine its continued eligibility for the Preferred or Non- discrimination require that all creditors make credit equally Preferred rates. On each monthly review, we may change available to all creditworthy customers and that credit your interest rate and impose a Nvn-Preferred rate up to the reporting agencies maintain separate credit histories on each maximum Non-Preferred rate described or, the Pricing individual upon request. The Ohio civil rights commission Schedule for each occurrence when you do not meet the administers compliance with this law. conditions described below to be eligible for Preferred rates. Any changes in pricing as a result of the monthly reviews for Preferred ar Non-Preferred rates wilt apply to existing as well rz 01039 I IM CASE OF ERRORS OA INQUIRIfS ABOUT YOUA BILL if you fail to pay the amount that we think you owe, e YOUR BILEING RItiNTS-KEEP THIS NOTICE FOR FUTURE may report you as delinquent. However, if our explanati n USE does not satisfy you and you write to us within tend s This notice contains important information about your telling us that you still refuse to pay, we must tell anyone e rights and our responsibilities under the Fair Credit Billing report you to that you have a question about your bi(l. A , Act. we must tell you the name of anyone we reported you to, e must tell anyone we report you to that the matter has be n Notify Us in Case of Errors or questions About Your Bill settled between us when it finally is. If you think your bill is wrong, or if you need more If we don't follow these rules, we can't collect the fi t information about a transaction on your bill, write us on a $50 of the questioned amount, even if your bill was come t. separate sheet at the address listed on your bill after the Special Rule for Cradlt Card Purchases word{s) "Questions" or "Send Inquiries To.." Write to us no later t an tiD days after we sent you the first bill on which the If you have a problem with the quality of property r error or problem appeared. You can telephone us, but doing services that you purchased wish a credit card, and you ha e so will not preserve your rights. tried in good faith to correct the problem with the mercha t, in your letter, give us the following Iniormatlon: you may have the rght not to pay the remaining amount d e on the property ar services. There are two limitations on t6 s • Your name and account number. right: • The dollar amount of the suspected error. (a} You must have made the purchase in your ho e • Describe the error and explain, if you can, why you state or, if not within your home state within t 0 believe there is an error. If you need more miles of your current mailing address; and information, describe the item you are not sure (b) The purchase price must have been more th about. $50. If you have authori2ed us to pay your credit card bill These limitations do not apply if we own or operate t automatically from your savings or checkrng account, you merchant, or if we mailed you the advertisement for t can stop the payment on any amount you think is wrong. To property or services. stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Oar Responsibilities After We Receive Your Wrllten 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 reporl you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit line. You do not have to pay any questioned amount while we are investigating, but you are still obliged to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and file date that It IS due. O 2001 Chase Manhanan Bank USA, N.A. All Rights Reserved. 13 14 M-38768 2-Qt 0 1040 Exhibit «g» _ - ~ Statement for account number: 4147 2020 3623 9950 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE a $9,510.51 01/16!09 $0.00 $191.00 I want to purchase optional Make your check payable to: Chase Payment Protector Chase Card Services. Plan. I've read the Benefits 8 Please write amount encbsed. Disclosures on back of insert. New address or a-mail? Print on back. i m iaTt-ls iTaTe I~ 41472020362399500DD19100009510515751283 68677 BE% Z 35908 D ill lli ilill it lllillll ll 11111 111 ll llllilll lllil lllil llill li illi JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 ILIIILIIIIIIIIIIIIIIIIIIIrIL111,11J111111111rI11111111J11 1:5000 L60 28~: 359 2036 239950 211• OpeninglClosing Date: 11/25/08 - 12/24/08 CUSTOMER SERVICE CHASE Q Payment Due Date: 01/18!09 In U.S. 1-800-945-2000 Espanol 1-88846-3308 TDD 1-800-955.8060 Pay by phone 1-80036-7958 Outside U.S. call collect Minimum Payment Due for Credit Access Line $191.00 1-302-594-8200 Total Minimum Payment Due $191.00 ACCOUNT INQUIRIES P.O. Box 15298 Wilmington, DE 19850-5298 VISA SIGNATURE SUMMARY Account Number: 4147 2020 3623 9950 PAYMENT ADDRESS P.O. Box 15153 Previous Balance $8,833.61 Credit Access Line $27,800 yilmington, DE 19886-5153 Payment, Cretlits -$400.00 Available Credit $18,289 Purchases, Cash, Debits +$873.38 Cash Access Line $5,560 VISIT US AT: Finance Charges +$103.52 Available for Cash $5,560 www.chase.cem/creditcerds New Balance $9,510.51 CHASE FREEDOM REWARDS SUMMARY Previous Month's Balance $62.92 Bonus Earnings on top purchase categories $1.48 Gas $ Convenience Stores Rewards Earned on Purchases $9.74 Current Rewards Total $74.14 $2.59 rewards will expire on statement in January 2011 Your card allows you to eam cash back faster than ever. You will earn 3 % cash back for every $1 of eligible purchases made at the everyday places you spend the most and 1 % cash bade for all other purchases. You can redeem your rewards for a check as soon as you eam $50 in rewards. For complete program details, please refer to your Rewards Rules and Regulations. To redeem your rewards, go online at www.chase.com or call us at (800) 603-2265. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 11128 24164078333498640423424 SHEETZ OD001958 MECHANICSBURG PA $44.00 11/2724610438333004011486937 KMART 7192EASTONPA 423.99 12/04 24692168339000405222076 TWX'S35UXK'BETR HOMES 600-920-3667 NY _ 2.00 12/06 24692168341000729007126 TWX'RN7503'FOOD & WINE 800-920-3667 NY 2.00 12107 24445008343560774135185 GAMESTOP #1845 CAMP HILL PA _ _ _ _ _ _ 34.80 12107 24445728343561224580395 CIRCUIT CITY SS #3720 MECHANICSBURG_P_ A _ 434.59 12/07 24423638343561441283390 KWIK FILL MECHANICSBURG PA _ _ _ _ _ _ 30.00 12117 13523522700006301399295 Payment -Thank You 400.00 _ 12/20 24692168355000867727074 TWX'S35UXK'SI MAGAZINE 877-781-3425 NY 2.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Corresp. Average Dairy Due To Transaction Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .03627% 13.24% $8,335.97 $90.70 $O.OD $0.00 $90.70 Cash advances V .05271 % 19.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .03627 % 13.24% $1,178.46 $12.82 $0.00 $0.00 $12.82 Total finance charges $103.52 Effective Annual Percentage Rate (APR): 13.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000001 FIS33335 D 6 000 N Z 24 08/12/24 Page 1 of i 05686 MAMA 86677 36910000060008667701 a' 03431NSi2691 _ _ _ i Address Change Request Please provide information below only if the address information on front is incortect. Street Address: City: State: ~li Zip: Home Phone: I Work Phone: E-mail Address: Information Aloul YourMxount add these periodic finance charges to your daily balance to get the beginning Lost or Shlsn Cards: Please report your lost or stolen card immediately by balance for the next day. Qf more than one daily periodic rate could apply calling the Customer Service number found on the front of your statement. based on the average daily balance, we will use the daily periodic rate that Advisors are always available to assist you. You ran reach an Advisor by applies for the average daily balance amount at the end of the billing cycle to ~ pressing 0 afteryou enter your account numbat calculate the daily periodic finance charge each day.) CrediNaB of Paymenk: For payments by regular U.S. mail, send at least your To get your total periodic finance charge for a billing cycle when a daily ~ minimum payment due to ourpost office box designated for payments shown Periodic rate(s) applies, we add all of the dairy periodic finance charges for all on this statement. Your payments by mail must comply with the instructons feaures. To determine an average daily balance, we add your daily balances on this statement. and must be made by check or money order, payable in and divide by the number of the days in the applicable billing cycle(s). If you U.S. Dollars. and drawn on or payable through a U.S. financial institution or multipy the average daily balance for each feature by the applicable daily ~ tire U.S. branch of a foreign financial institution. Do not send cash. Write your Periodic rate, and then multiply each of these results by the number of days account number on your check or money order. Payments must be in the applicable billing cycle(s), and then add all of the results together, the ~ accompanied by the payment coupon in the envelope provided with our total will also equal the periodic finance charges for the billing cycle, except address visible through the envelope window; the envelope cannot contain for minor variations due to rounding. To getyour total periodic finance charge ~ more than one payment or coupon; and there can be no staples, paper clips, for a billing cycle when a monthly periodic rate(s) applies. multiply the ~ tape or correspondence included with your payment. If your payment is in average daily balance for each feature by the applicable monthly periodic rate accordance with our payment instructions and is made available to us on any and add [he results together. The total will equal the periodic finance charges day except December 25 by 1:00 p.m. local time at our post office box for the billing cycle, except for minor variations due to rounding. designated forpayments on this statement, we will credit the payment to your brace Period (at Isaat 2B days): We accrue periodic finance charges on a account as of that day. If your payment is in accordance with our payment transaction. fee.. or finance charge from the date it is added to your daily instructions, but is made available to us after 1:00 p.m. local time at our post balance until payment in full is received on your account. However we do not office box designated for payments on this statement, we will credit it to you r charge periodic finance charges on new purchases billed during a billing cycle account as of the next day. If you do not follow our payment instructions or if if vre receive both Dayment of your New Balance on your current statement by your payment is not sent by regular U.S. mail tc our post office box the date and time your payment is due and also payment of your New Balance designated for payments, crediting of your payment may be delayed for up to on your previous statement by the date and time your Dayment was due. 5 days. Payments made electronicaly through our automated telephone There is no grace period for balance transfers. cash advances, check service, Customer Service advisors, or our web site will be subject to any transactions, or overdraft advances. processing times disclosed for those payments. In addition, if there is a "Qualifying Promotional Financing" section on this AueuntinlormalroaReportedtoCreditBuroaas:Wemayreportinformation statement. you will not incur pedodic finance charges on any Remaining ahout your account to credit bureaus. Late payments, missed payments or Balance that appears in that section if you pay that balance in full by the other defaults on your account may be reflected in your credit report. If you applicable Expiration Date. However. if you default under the terms of your think we have reported inaccurate information to a credit bureau, you may Cardmember Agreement or any Qualifying Promotional Financing offer the write to us at the Cardmember Service address listed on your billing applicable periodic finance charges will accrue on any Remaining Balance as statement Notice About Electronic Check Conversion: When you provide a soon as the billing cycle in which the default occurs. To avoid finance charges check as payment,ycuauthorizeuseithertouseinformationfromyourcheck on new purchases when your New Balance includes any Remaining Io make aone-time electronic fund transfer from your account or to process Balance(s) in the Qualifying Promotional Financing section, pay yourfull New the payment as a check transaction. When we use information from your Balance minus the total of those Remaining Balance(s) by the date and time check to make an electronic fund transfer, funds may be withdrawn from your your payment is due. However, if your statement shows that a minimum account as soon as the same day we receive your payment, and you will not payment is due, we must receive at least that minimum payment by the date receive your check back from your financial institution. Call the customer and time speafied on yourstatement. even if your New Balance consists Doty service number on this statement if you have questions about electronic of Qualifying Promotional Financing balances. check collecdon or do not want your payments collected electronically. for "deferred interesC' Qualiying Promotional Financing, periodic finance CendiBonalPayments:Anypaymentcheckorotherformofpaymentthatyou charges accrue during the promotional period but are not added to your send us for less than the full balance due that is marked "paid in full" or account balance. Instead, they accumulate From billing cycle to billing cycle. contains a similar notation, or that you otherwise tender in full satisfaction of If a deferred interest Qualifying Promotional Financiny balance is not paid in a disputed amount, must be sent to Card Services, P.O. Box 15049, full by the applicable Expiration Date. the deferred finance charges will be Wilmington. DE 19650-5049. We reserve all our rights regarding these added to your account as soon as the first day after the Expiration Date. payments (e.g., if itis determined there is novalid tlisDUte orif any such check Further, if you default under the terms of your Cardmember Agreement.. the is received at any other address, we may accept [he check and you will still deferred finance charges will be added to your account as soon as the date of owe any remaining balance). We may refuse to accept arty such payment by default. returning it to you, not cashing it or destroying it All other DaYments that you For "fixed payment" Qualifying Promotional financing that permits you to pzy make should be sent to the appropriate payment address. for a purchase in a designated number of payments, you will no[ have a yrace Annual Reneral Notice: If your account has an annual fee. it will be billed period for that balance as each payment includes a portion of the interest each year or in monthly installments, whether or not you use your account, owed over the repayment term for that purchase. However you will have a and you agree to pay it when billed, The annual fee is non-refundable unless grace period on other new purchases as described above. you natiry us that you wish to close your account within 30 days of the date BILLING RIGHTS SUMMARY 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 Incase of Errors orGuesbonsAbutYourBiil:Ifyouthinkyourbilliswrong. doesnotaffectourrightstocloseyouraccountandtolimityourrighttomake or if you need more information about a transaction on your bill. write transactions on your account. If your account is closed by you or us, we will Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE continue t0 charge the annual fee until you pay your outstanding balance in 19850-5299 as soon as possible. We must hear from you no later than 60 full and terminate your account relationship. days after we sent you the first bill on which the error or problem appeared. Eglanalion of Fineries Charges: We calculate periodic finance charges, You can telephoneus,butdcingsowillnotpreserveyourrights.Inyourlet[er, using the applicable pedodic rates shown on this statement separatety for 9we us the following information. each feature (e.g., balance transfer/convenience checks and cash advance • Your name and account number checks ("check transaction"), purchases, balance transfers, cash advances, • The dollar amount of the suspected error promotional balances or overdraft advances). Please consult your .Describe the errorand explain, if you can, why you believe there is an error Cardmember Agreement for the features that are applicable to your card. If you need more information, describe the item you are unsure about. 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 You do not have to pay any amount in question while we are investigating, but rate may vary. and the index and margin used to determine that rate and its You are still obligated ro pay the parts of your bill ma[ are not in question. corresDOnding APR are described in your Cardmember Agreement. as we investigate your question, we cannot report you as delinquent or amended. There isa minimum finance charge in any billing cycle in which you take action to collect the amount you question. If you have authorized us to owe any periodic finance charges, and a transaction finance charge for each Dayyour credit card bill automatically from your savings or checking account, balance transfer, cash advance. or check transaction, in the amounts stated in You can stop the payment on any amount you think is wrong. To stop the your CardmemberAgreement,asamended. payment. your letter or call (using the Cardmember Service address or To et the doll balance for each da of the current billin telephone number shown on this statement) must reach us at least three g Y y g cycle, we take the business days before the automatic payment is scheduled to occur. beginning balance for each feature, add any new transactions or other deoits Special Ruk kr Credit Card Purchases: If you have a problem with the jincluding fees, unpaid finance charges and other charges). subtract any payments or credits. and make other adjustments. Transactions are adder as quality of goods or services that you purchased with a credit card (excluding of the transaction date, the beginning of the billing cycle in which [hey are Purchases made with a check). and you have tried in goad faith [c correct the posted to your account, or a later date of our choice (except that check Problem with the merchant. you may not have to pay the remaining amount transactions are added as of the date deposited by the payee or a later date of due on the goods or services. You have this protection only when the our choice). Fees are added either on the date of a related transacbon, the date Purchase price was more than $50 and the purchase was made in your home they are posted to your account, or the last day of the billing cycle. This gives state or within 100 miles of your mailing address. These limitations do not us that day's dairy balance. A rmdit balance is treated as a balance of zero. If apply if we own or operate ?he merchant, or if we mailed you the a daily periodic rate applies to any feature, we multiply the daily balance by the advertisement for the property or services. Aaily periodic rate to get your periodic finance charges for that day We then MA030708 Statement for account Hamner: a~a~ 202o ss2s ssso Ne $8 510x9 84 Payment 02118!09 Past Due A $0.00 Minimum P$a191e0nOt CHASE CI I want to purchase optional • Make your check payable to: Chase Payment Protector Chase Card Services. Plan. I've read the Benefits & Please write amount encbsed. Disclosures on back of insert. New address or a-mail? Pnnt on back. niiT'1T--mate 4147202D3623995000019100009509645767255 ~l 92670 BEXZ 02409D 111111 11111 11111 it 111 ll llllllil ll llllilillllil lllil ll illlillli JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 1n1111n1111nnn11n111ullnllunlll111u1n1nnllur111 1:5000 L60 281: 359 2036 239950 211• Opening/Closing Date: 12(25/08 - 01!24/09 CUSTOMER SERVICE CHASE ~ Payment Due Date: 02/18/09 In U.S 1-800-945-2000 Espanol 1-888446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect Minimum Payment Due for Credit Access Line $191.00 1-302-594-8200 Total Minimum Payment Due $191.00 ACCOUNT INQUIRIES P.O. Bax 15298 Wilmington, DE 19850-5298 VISA SIGNATURE SUMMARY Account Number: 4147 2020 3623 9950 PAYMENT ADDRESS P.O. Box 15153 Previous Balance $9,510.51 Credit Access Line $27,800 yilmington, DE 19886-5153 Payment, Credits -$350.00 Available Credit $18,290 Purchases, Cash, Debits +$240.96 Cash Access Line $5,560 VISIT US AT: Finance Charges +$108.37 Available for Cash $5,560 www.chase.comlcreditcards New Balance $9,509.84 CHASE FREEDOM REWARDS SUMMARY Previous Month's Balance $74.14 Bonus Earnings on top purchase categories $0.54 Gas & Convenience Stores Rewards Earned on Purchases $2.41 Current Rewards Total $77.09 $2.59 rewards will expire on statement in January 2011 Your card allows you to eam cash back faster than ever. You will eam 3 % cash back for every $1 of eligible purchases made at the everyday places you spend the most and 1 % cash back for all other purchases. You ran redeem your rewards for a check as soon as you earn $50 in rewards. For complete program details, please refer to your Rewards Rules and Regulations. To redeem your rewards, go online at www.chase.com or call us at (800) 603-2265. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 12/24 24692168359000414201546 7WX'S35UXK'ELEC HOUSE 877-781-3425 NY____ $2.00 12/28 24692168363000851737634 GIANT FUEL #269 CAMP HILL PA _ _ _ 27.00 01/0324445729004599358839300 WWW.CIRCUITCITY.COM800.843-24890K 211.96 01/1610160162700006434355825 Payment-Thank You ~ - 350.00 FINANCE CHARGES Finance Charge Daily Periodic Rate Comesp. Average Daily Due To Transaction Accumulated FINANCE Category 31 days in cyde APR Balance Periodic Rate Fee Fin Charge CHARGES Purchases V .03627 % 13.24 % $8,470.98 $95.25 $0.00 $0.00 $95.25 Cash advances V .05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.03627% 13.24% $1,167.28 $13.12 $0.00 $0.00 $13.12 Total finance charges $108.37 Effective Annual Percentage Rate (APR): 73.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000001 FI533335 D 7 000 N Z 24 09/01/24 Page 1 of 7 05686 MA MA 92610 02310000070009261001 X 03431NS73594 _ _ T. _ _ _ _ r Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ~ i City: it State: Zip: Home Phone: Work Phone: E-mail Address'. Information About Your Account add mere periodic finance charges to your daily balance to yet the beginning Lost ar Stelsn Cards: Please report your lost or stden card immediately by balance for the next day. (If more than one dairy periodic rate could apply calling the Customer Service number found on the front of your statement. hosed on the average daily balance, we will use the daily periodic rate that Advisors are always available to assist you. You ran reach an Advisor by applies for the average riot balance amount at the end of the billing cycle to ~ pressing 0 after you enteryour account number calculate the daily periodic finance charge each day,} ~ Creditln0 of Paymenh: For payments by regular U.S. mail. send at least your To get your total periodic finance charye for a billiny cycle when a daily minimum payment due to our post office box designated for payments shown Periodic rate(s) applies, we add all of the dairy periodir, finance charges for all r_ on this statement. Your payments by mail must compty with the instructions features. To determine an average daily balance, we add your daily balances on this statement, and must be made by check or money order, payable in and divide by the number of the days in the applicable billing cycle(s) If you ~ U.S. Dollars and drawn on or payable through a U.S. financial institution br multiply the average daily balance for each feature by the applicable daily the U.S. branch of a foreign financial institution. De not send cash. Write your periodic rate, and then mul[ipty each of these results by the number of days account number on your check or money order. Payments must be in the applicable billing cycle(s), and then add all of the results together. the accompanied by the payment coupon in the envelope provided with our total will also equal the periodic finance charges for the billing cycle, except ~ address visible through the envelope window, the envelope cannot contain for minor variations due toroundmg.Togetyourtotal periodic finance charge i more than one payment or couDOn; and there can be no staples, paper clips, for a billing cycle when a monthly periodic rate(s) applies, multiply the tape or correspondence included with your payment. If your payment is in average daily balance for each feature by the applicable monthy periodic rate accordance with our payment instructions and is made available to us on any and add the results together. The total will equal the periodic finance charges day except December 25 by 1:00 p.m. local time at our post office box for the billing cycle, except for minor variations due to rounding. designated for payments on this statement, we will credit the payment to your Grace Psriad (ri lean 20 daYs): We accrue periodic finance charges on a account as of that day. If your payment is in accordance with our payment transacton, fee, or finance charge from the date it is added to your daily instructions, but is made avaiable to us after 1:00 p.m. local time at our post balance until payment in full is received on your account. However. we do not office box designated for payments on this statement, we will credit it to your charge periodic finance charges on new purchases billed during a billing cycle account as of the next day. If you do not follow our payment instructions or if if we receive both payment of your New Balance on your current statement by your payment is not sent by regular U.S. mail to our post office box the date and rime your payment is due and also paymentof your New Balance designated for payments, crediting of your payment may be delayed for up to on your previous statement by the date and time your payment was due. 5 days. Payments made electranicalty through our automated telephone There is no grace period for balance transfers. cash advances, check service. Customer Service advisors, or our web site will be subject to any transactions, or overdraft advances. processing times disclosed for those payments. In addition, if there is a "Qualifying Promotional Financing" section on this AeeountlulormalionReporbedtoCredit0ureaus:Wemayreportinformation statement, you will not incur periodic finance charges on any Remaining about your account to credit bureaus. Late payments. missed payments or Balance that appears in that section if you pay that balance in full by the other defaults on your account may be reflected in your credit report. If you applicable Expiration Date. However, it you default under the terms of your think we have reported inaccurate information to a credit bureau, you may Cardmember Agreement or any Qualifying Promotional Financing offer the write to us at the Cardmember Service address listed on your billing applirable periodic finance charges will accrue on any Remaining Balance as statement Notice About Electronic Cherk Conversion: When you provide a soon asthe billing cycle in which the default occurs. To avoid finance charges check as payment you authorize us either to use informationfrbmyourcheck on new purchases when your New Balance includes any Remaining to make aone-time electronic fund transfer from your account or to process Balance(s) in the Qualifying Promotional Financing section.. pay your full New the payment as a check transaction. When we use information from your Balance minus the total of those Remaining Balance(s) by the date and time check to make an electronic fund transfer, funds may be withdrawn from your your payment is due. Hmvever. if your statement shows that a minimum account as soon as [he same day we receive your payment, and you will not payment is due, we must receive a[ least [hat minimum payment by the date receive your check back from your financial institution. Call the customer and time spedfied on your statement, even if your New Balance consists only service number on [his statement if you have questions about electronic of Qualifying Promotional Financing balances check collection or do not want your payments collected electronicaly. For "deferred interest" Qualifying Promotional Financing, periodic finance ConditisaeiPaymeab:Anypaymentcheckorotherformofpaymentthatyou charges accrue during the promotional period but are not added to your send us for less than the full balance due that is marked "paid in full" or account balance. Instead, they accumulate from billing cycle to billing cycle. contains a similar notation, or that you otherwise tender in full satistactibn of If a deferred interest Qualifying Promotional financing balance is not paid in a disputed amount, must be sent to Card Services, P.O. Bbx 15049, full by the applicable Expiration Date, the deferred finance charges will be Wilmington. DE 19650-5049. We reserve all our rights regarding these added to your account as soon as the first day after the Expiration Date. payments (e.g.. if it is determined there is no valid dispute brit any such check Further, if you default under the terms of your Cardmember Agreement. the is received at any other address, we may accept the check and you will still deferred finance charges will be added to your account as soon as the date of owe any remaining balance), We may refuse to accept arty such payment by default. returning it to you, not rashing it or destroying it. All other payments tha[you For "fixed payment" Qualiying Promotonal Financing that permits you to pay make should be sent to the appropriate payment address. for a purchase in a designated number of payments, you will not have a grace Annual Renswal Notlce: If your account has an annual fee, it will be hilted period far that balance as each payment includes a portion of the interest each year or in monthly installments, whether or not you use your account, owed over the repayment term for that purchase. However, you will have a and you agree [o pay it when billed. The annual fee is non-refundable unless grece period on other new purchases as described above. you notity us that you wish to close your account within 30 days of the date BILLING RIGHTS SUMMARY 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 In Case of Errors orquesUons About Your Oill: If you think your bill is wrong, doesnotaffectourrightstocloseyouraccountandtolimityourrighttomake or if you need more information about a transaction on your bill, write transactions on your account. If your account is closed by you or us, vre will Cardmember Service on a separate sheet at P.O. Box 15299 Wilmington, DE continue to charge the annual fee until you pay your outstanding balance in 19650-5299 as soon as passible. We must hear from you no later than 60 full and terminate your account relationship. days after we sent you the first bill on which the error or problem appeared, E>tplawtion of Finaaee Charyss• We calculate periodic finance charges, You can telephone us, but doing so will not preserveyourrights.Inyourletter, using the applicable periodic rates shown on this statement, separatety for 9we us the following information. each feature (e.g., balance transfer/convenience checks and cash advance • Your name and account number checks ("check transaction"j. purchases, balance transfers, cash advances, • The dollar amount of the suspected error promotional balances or overdraft advances). Please consult your .Describe the error and explain, if you can. why you believe there is an error. Cardmember Agreement for the features that are applicable to your card. If you need more information, describe the item you are unsure about. These calculations may combine different categories with the same daily periodic rates. IF there is a "U" next to a periodic rate an this statement, that You do not have to pay any amount in question while we are investigating, but rate may vary. and the index and margin used to determine that rate and its You are still obligated to pay the pans of your bill that are not in question. corresponding APR are desrribed in your Cardmember Agreement as Ngtile we investigate your question, we cannot repon you as delinquent or amended. There is a minimum finance charge in any billing cycle in which ybu take action to collect the amount you question. If you have authorized us to owe any periodic finance charges, and a transaction finance charge for each Payyour credit card bill automatically from your sarongs or checkiny account, balance transfer, cash advance, or check transaction, in the amounts stated in You can stop the payment on arty amount you think is wrong. To stop the your CardmemberAgreementasamended. payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three To get the daily balance for each day of the current billing cycle, we take the business days before the automatic payment is scheduled to occur beginning balance for each feature, add any new transactions or other debits (including fees, unpaid finance charges and other charges), subtract any Special Ruk for Credit Grd Porchases: It you have a problem with the payments or credits. and make other adjustments. Transactions are added as quality of goods or services that you purchased with a credit raN (excluding of the transaction date, the heginning of the hitting cycle in which Mey are Purchases made with a check), and you have tried in good faith to correct the posted to your account, or a later date of our cheice (except that check Problem with the merchant. you may no[ have to pay the remaining amount transactions are added as of the date deposited by the payee or a later data of due on the goods or services. You have this proter,[ion only when the our choice). Fees are added either on the date of a related transaction. [he date Purchase price was more than $50 and the purchase was made in your home they are posted to youraccount, or the last day of the billing cycle. This gives state or within 100 miles of your mailing address. These limitations do not us that day's daffy balance. A cedit balance is treated as a balance of zero. If apply if we own or operate the merchant, or if we mailed you the a daily periodic rate applies to any feature, vre multiply the daily balance by the advertisement for the property or services. daily periodic rate to get your periodic finance charges for that day. We then MA030708 Payment Due Date New Balance Past Due Amount Minimum Payment 03121/09 $9,857.16 $0.00 5198.00 Account number: 4147 2020 3623 9950 Make your check payable to: Chase Card Services. Please write amount encbsed. New address or a-mail? Print on back. 414720203623995D000198000D9857160000D09 30248 BE%Z 05509 D 1111111111111111111 ll 11111111111111111111111111111111111111111 JACK W WHEATLEY JR 381 N 27TH ST CAROMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 LIrIIL11111111r11111111L11L11L111111LI11111L1111/,11111 I: 5000 L60 2181: 3 59 20 36 2 399 50 211• Statement Date: CHAS E ~ 01/25/09 - 02/24!09 Manage your account online: www. ch ase. wm/creditcards Minimum Payment: 5198.00 Payment Due Date: 03/21/09 Additional contact information Minimum Payment Due for Credit Access Line $198.00 conveniently located on reverse side Total Minimum Payment Due $198.00 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4147 2020 3823 9950 Previous Balance $9,509.84 Credit Access Line $27,800 Payment, Credits -$191.00 Available Credit $17,942 Purchases, Cash, Debits +$428.59 Cash Access Line $5,560 Finance Charges +$109.73 Available for Cash $5,560 New Balance $9,857.16 CHASE FREEDOM REWARDS SUMMARY Since Chase Freedom allows you to eam the Previous Month's Balance $77.09 most where you spend the most, your Cash Bonus Earnings on top purchase categories $3.75 Back Rewards will add up fast when you keep CablelSatellite 8 ISP using your Chase Freedom credit card for all Grocery Stores your purchases. Earn even more cash back Rewards Earned on Purchases $4.30 when you pay your monthly bill with your card. Rewards Earned through Chase Rewards Plus $0.00 Current Rewards Total $65.14 Rewards Earned Year to Date $8.05 $2.59 rewards will expire on statement in January 2011 Your Chase Freedom credit card allows you to eam cash back fast. You will eam 3 % cash back in the 3 Everyday categories where you spend the most and 1 % cash back for all other purchases. You eam triple cash back where you spend the most automatically! You can redeem your rewards for a check once you earn $50 in Cash Back Rewards. To redeem your rewards, go online to www.chase.com/rewards or call us at (600) 603-2265. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amo nt 02/17 Payment -Thank You -191.00 01/24 THE HOME DEPOT 4120 MECHANICSBURG PA 82.89 01/30 BJ WHOLESALE #0025 CAMP HILL PA 55.43 02/05 PAYMENT@CLASSMATES.COM 425-9175000 WA 15.00 02111 KARNS QUALITY FOOD LEMOYNE PA 172,31 02!17 DARTBOARDS.COM 866-370-4398 NE 102.96 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Cortesp. Average Daily Due To Fee ! Accumulated FINANCE Category 31 days in cyGe APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .03627 % 13.24% $8,591.56 $96.60 $0.00 $0.00 $96.60 Cash advances V .05271 % 19.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Canveniencecheck V.03627% 13.24% $1,167.92 $13.13 $0.00 $0.00 $13.13 Total finance charges $109.73 Effective Annual Percentage Rate (APR): 13.24 Please see Information About Your Account section for balance computation method, grace period, and other important information. The Cortesponding 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 FIS33338 D 8 000 N Z 24 09/02/24 Page 1 W 3 05fi86 MA MA 3D248 05510000080003024801 03431NS737fi7 _ _ _ _ _ I Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City. i Stale: Zip: Home Phone: Work Phone: E-mail Address: To contact us regarding your account: ® By Telephone: ' ~n /a, t~ In U.S. 1-800-945-2000 I Espanol 1-88846-3308 TDD 1-800-955.8060 Send Inquiries M: Mail Payments to: Visit Our Wabsite: ~ Pay by phonel-B00-436-7958 P.O. Box 15298 P.O. Box 15153 www.chase.com/creditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 t-302-594-8200 Inlormation About Your Account To get the daily balance far each day of the current billing cycle, Cediting of Payments: For payments by regular U.S. mail, send at we take the beginning balance for each feature, add any new least your minimum payment due to our Payments address shown transactions or other debits (including fees, unpaid finance charges ~ an this statement. Your payments by mail must comply with the and other charges), subtract any payments or credits, and make other instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account. U.S financial institution or the U S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send cash. Write your account number on your as of the date deposited by the payee ore later date of our choice). Fees check or money order. Payments must be accompanied by the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible pasted to your account, or the last day of the billing cycle. This gives through the envelope window: the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. If a daily periodic rate applies to any feature, we multiply the daily or correspondence included with your payment. If your payment is balance M'the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p.m. local time at our balance to get the beginning balance for the next day. (If more than one Payments address on this statement, we will credit the payment to daily periodic rate could appy based on the average daily balance, we your account as of that day. If your payment is in accordance with will use [he daily periodic rate that applies for the average daily balance our payment instructions, but is made available to us after 1:00 p.m amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on this statement, we will credit tt finance charge each day.) to your account as of the next day. If you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or if your paymem is not sent by regular U.S. mail to daily periodic rate(s) applies, we add all of the daily periodic finance our Payments address, crediting of your payment may be delayed for charges for all features. To determine an average daily balance, we up to 5 days. Payments made electronically through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). It you multiply the average daily balance for subject to any processing times disclosed for those payments. each feature by the applicable daily periodic rate, and then multiply Aceoum Inlormation Reported to Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments, cycle(s), and then add all of the results together, the total will also missed payments orother defaults on your accoum may be reflected in equal the periodic finance charges for the billing cycle, except for your credit report. If you think we have reported inaccurate information minor variations due to rounding. To qet your fatal periodic finance to a credit bureau, you may write to us atthe Inquiries address shown charge far a billing cycle when a monthly periodic rate(s) applies, on this statemem. multiply the average dairy balance for each feature by the applicable Notice About Electronic Check Conversion: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle, except for minor a one-time electronic fund transfer from your account or to process variations due to rounding. the payment as a check transaction. When we use information Grace Period (at least 20 days): We accrue periodic finance charges tram your check to make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement N you billed during a billing cycle it we receive both payment of your New have questions about electronic check collection or do not want your Balance on your current statement by the date and time your payment payments cellected electronically. is due and also payment of your New Balance on your previous Conditional Payments: Any payment check or other form of payment statement by the date and time your payment was due. There is rte that you send us for less than the full balance due that is marked "paid grace period for balance transfers, cash advances. check transactions, in full" or contains a similar notation, or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P 0. Box 15049, Wilmington.. DE 19850-5049. We reserve all our In Case of Errors or Ouestions About Your Bill: If you think your bill rights regarding these payments (e.g., if it is determined there is no is wrong. or it you need more information about a transaction on your valid dispute or if arty such check is received at any other address, we bill, write Customer Service on a separate sheet at P 0 Box 15299 may accept the check and you will still owe any remaining balance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept any such payment by returning it to you, not you no later than fi0 days after we sent you the first bill on which the cashing it or destroying it. All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sent to the regular Payments address shown on this statement. preserve your rights. In your letter, give us the following information. Annual Renewal Notice: It your account has an annual fee, it will be • Yaur name and account number billed each year or in monthly installments, whether or not you use your • The dollar amount of the suspected error account, and you agree to pay it when billed. The annual fee is non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. If you need mare information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. fee is charged and at the same time, you pay your outstanding balance You do not have td pay any amount in question evhile we are in full. Your payment of the annual fee does not affect our rights to investigating.. but you are still obligated to pay [he parts of your bill close your account and to limit your right to make transactions on that are not in question. While we investigate your question, we your account. If your account is closed by you or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual fee until you pay your outstanding balance in full yeu question. if you have authorized us fo pay your credit card bill and terminate your account relationship. automatically from your savings or checking account, you can stop the Explanation of Finance Charges: We calculate periodicfinancecbarges, payment on any amount you think is wrong. To stop the payment, yeur using the aDPlirable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Service telephone for each feature (e.g.,balance Transfer/convenience checks and cash number shown on this statement) must reach us at least three business advance checks ("check transaction"), purchases, balance transfers, days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Speeial Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a' V" next to a periodic rate on this statement, (excluding purchases made with a check). and you have tried in good that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goods or services. You have this Agreement, as amended. There is a minimum finance charge in any protection only when the purchase price was mare than 850 and the billing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or v,ithin 100 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or ii we mailed you the advertisement far the property Agreement, as amended. or services. MAt11408 _ T_ _ Payment Due Date New Balance Past Due Amount Minimum Payment 04!18/09 $9:960.87 $0.00 $200.00 Account number: 4147 2020 3623 9950 I want to purchase optional . Make your cheek payable to: Chase Payment Protector Chase Card Services. Plan. I've read the Benefits & Please write amount enclosed. Disclosures on back of insert. New address or a-mail? Print on back. i colas ae ~I 414720203623995000020000009960875807840 45114 BEX Z 08309 D I I I1111111111111111111111111111111111111111111111111111111111 i JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 IIIJIL11111r1111r1111,11rrllllllllrll,llllrrl,dllr11111r111 t: 5000 i 60 281: 3 59 20 36 2 3 99 50 211• Statement Date: CHASE ~ 02!25/09 - 03!24109 Manage your account online: Minimum Payment: $200.00 www.chase.wmlcreditcards Payment Due Date: 04/18/09 Additional contact information Minimum Payment Due for Credit Access Line $200.00 conveniently located on reverse side Total Minimum Paymenl Due $200.00 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4147 2020 3623 9950 Previous Balance $9,857.16 Credit Access Line $27,600 Payment, Credits -$300.00 Available Credit $17,839 Purchases, Cash, Debits +$301.71 Cash Access Line $5,560 Finance Charges +$102.00 Available for Cash $5,560 New Balance $9,960.87 CHASE FREEDOM REWARDS SUMMARY Since Chase Freedom allows you to earn the Previous Month's Balance $85.14 most where you spend the most, your Cash Bonus Earnings on top purchase categories $1.42 Back Rewards will add up fast when you keep Pet Stores 8 Vet Offices using your Chase Freedom credit card for atl Rewards Earned on Purchases $3.03 your purchases. Earn even more cash back Rewards Earned through Chase Rewards Plus $0.00 when you pay your monthly bill with your card. Current Rewards Total $89.59 Rewards Earned Year to Date $12.50 $2.59 rewards will expire on statement in January 2011 Your Chase Freedom credit card allows you to cam cash bade fast. You will earn 3 % cash back in the 3 Everyday categories where you spend the most and 1 % cash back for all other purchases. You earn triple cash back where you spend the most automatically! You can redeem your rewards for a check once you earn $50 in Cash Badc Rewards. To redeem your rewards, go online to www.chase.com/rewards or call us at (800) 603-2265. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $ Amount 03/20 Payment -Thank You -300.00 03!04 BJ WHOLESALE #0025 CAMP HILL PA 137.79 03!04 BJ WHOLESALE #0025 CAMP HILL PA 93.26 03/18 PETSMART INC 583 MECHANICSBURG PA 70.66 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Conesp. Average Daily Due To Fee / Accumulated FINANCE Category 28 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .03627 % 13.24 % $8,875.24 $90.13 $0.00 $0.00 $90.13 Cash advances V .05271 % 19.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.03627% 13.24% $1,168.33 $11.87 $0.00 $0.00 $11.87 To[al finance charges $102.00 Effective Annual Percentage Rale (APR): 13.24 Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000001 FI533338 D 5 000 N Z 2d 09/03/24 Page 1 of 3 05666 MA MA 45114 0831000005000451 1401 03431NS141041N51359fi Address Change Request Please provide information below only if the address information on front is incortect. Street Address: City. State: Zip: Home Phone: Work Phone: E-mail Address: L To contact us regarding your account: By Telephone: ' t~ ® In U.S. 1-800-945-2000 Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit OurYVebsite: ifs TDD 1-800-955-8060 ii Pay by phonet-800-436-7958 P.O. Box 15298 P.O. Box 15153 www.chase.comfcreditcartls Outside U.S. call colect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594$200 Information About Your Account To get the daily balance for each day of the current billing cycle, ; Crediting of Payments: For payments by regular U.S. mail, send at eve take the beginning balance for each feature, add any new ~ least your minimum payment due to our Payments address shown transactions or other debits (including fees, unpaid finance charges 1~ on this statement. Your payments by mail must comply evith the and other charges). subtract any payments or credits, and make other a instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U.S financial institution or the U.S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send cash. Write your account number on your as of the date deposited by the payee ova later date of our choice). Fees check or money order. Payments must be accompanied by the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible posted to your account, or the last day of the billing cycle. This gives through the envelope window; the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. If a daily periodic rate applies to any feature. we multiply the daily or correspondence included with your payment. If your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your dairy to us on any day except December 25 by 1:00 p.m. local time at our balance to get the beginning balance for the next day. (If more than one Payments address on this statement, we will credit the payment to daily periodic rate could apply based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily periodic rate that applies forthe average daily balance our payment instructions, but is made available to us after 1:00 p.m. amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on this statement, we will credit it finance charge each day.) to your account as of the next day. If you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or it your payment is not sent by regular U.S. mail to daily periodic rate(s) applies, we add all of the daily periodic finance our Paymenrts address, crediting of your payment may be delayed for charges for all features. To determine an average daily balance, we up to 5 days. Payments made electronically through our automated add your dairy balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). It you multiply the average daily balance for subject to any processing times disclosed for those payments. each feature by the applicable daily periodic rate, and then multiply Accourd Information RepoAed to Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments, cycle(s), and then add all of the results together, the total will also missed paymentsorotherdefaultsonyouraccountmaybereflectedin equal the periodic finance charges for the billing cycle. except for your credit report. If you think we have reported inaccurate information minor variations due to rounding. To get your total periodic finance to a credit bureau, you may write to us atthe Inquiries address shown charge for a billing cycle when a monthly periodic rate(s) applies, on this statement. multipy the average dairy balance for each feature by the applicable Notice About Electronic Check Conversion: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle, except for minor a one-time electronic fund transfer from your account or to process variations due to rounding. the payment as a check transaction. When we use information Grace Period (a1 least 20 daps): We accrue periodic finance charges from your check to make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement if you billed during a billing cycle if we receive both payment of your New have questions about electronic check collection or do not want your Balance on your current statement by the date and time your payment payments collected electronically. is due and also payment of your New Balance on your previous Conditional Payments: Any payment check or other form of payment statement by the date and time your payment was due. There is no that you send us for less than the toll balance due that is marked "paid grace period for balance transfers, cash advances. check transactions,. in toll" or contains a similar notation, or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P.0 Box 15049, Wilmington. DE 19850-5049. We reserve all our In Case of Errors or Questions About Your Bill: If you think your bill rights regarding these payments (e.g., if it is determined there is no is wrong, or if you need more information about a transaction on your valid dispute or if any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.O. Box 15299 may accept the check and you will still owe any remaining balance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept arty such payment by returning it to you. not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it. All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sem to the regular Payments address shown on this statement. preserve your rights. In your letter, give us the following information. Annual Renewal Notice: If your account has an annual fee, it will be • Your name and account number billed each yearor in monthly installments, whether or not you use your • The dollar amount of the suspected error account, and you agree to pay it when billed. The annual fee is non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. If you need more information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. fee is charged and at the same time, you pay your outstanding balance You do not have to pay any amount in question while we are in full. Your payment of the annual fee does not affect our rights to Investigating, but you are still obligated to pay [he parts of your bill close your account and to limit your right to make transactions on that are not in question. While we investigate your question, we your account. It your account is closed by you or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual fee until you pay your outstanding balance in full you question. If you have authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings ar checking account, you can stop the Explanation of Finance Charges: We calculate periodic finance charges. payment on any amount you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Service telephone for each feature (e.g.,balance transfer/convenience checks and cash number shown on this statement) must reach us at least three business advance checks ("check transaction"), purchases, balance transfers. days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Special Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with [he same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a "V" next to a periodic rate on this statement, (excluding purchases made with a check). and you have tried in good that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmemher pay the remaining amount due on the goods or services. You have this Agreement, as amended. There is a minimum finance charge in any protection only when the purchase price was more than S50 and the billing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or within 100 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or it we mailed you the advertisement for the properly Agreement, as amended. or services. M~171d08 _ _ _ _ _ l Payment Due Date New Balance Past Due Amount Minimum Payment 05/19/09 $10,944.69 $0.00 $219.00 Account number: 4147 2020 3623 9950 I want to purchase optional . Make your check payable to: Chase Payment Protector Chase Card Services. Plan. I've read the Benefits 8 Please write amount enclosed. Disclosures on back oT insert. New address or a-mail? Print on back. Tmlas ae 414720203623995000D21900010944695825710 64939 BEx Z 11409 D 111111111111 1 1 1 1 1 11111111111 l 1111 I l i 111 (111 l it l l l l l l l l l l l l l 111 JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 IrIJII1IJIL,r11rILIJLIIIIIILIIILIIJIILIII11111111111 1: 5000 L 60 281: 3 59 20 36 2 399 50 211¦ Statement Date: CHASE ~ 03/25/09 -04/24109 ~ Manage your account online: www. ch ase. com/cre ditca rd s Minimum Payment: $219.00 Payment Due Date: 05/19/09 Additional contact information Minimum Payment Due for Credit Access Line $219.00 convenientry located on reverse side Total Minimum Payment Due $219.00 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4147 2020 3623 9950 Previous Balance $9,960.87 Credit Access Line $27,800 Payment, Credits -$250.00 Available Credit $16,855 Purchases, Cash, Debits +$1,115.26 Cash Access Line $5,560 Finance Charges +$118.56 Available for Cash $5,560 New Balance $10,944.69 CHASE FREEDOM REWARDS SUMMARY Thank you for using Chase Freedom! We Previous Month's Balance $89.59 appreciate your business as a valued Chase Bonus Earnings on top purchase categories $2.99 Freedom customer. We are here to serve you. Gas R Convenience Stores If you have any questions, do not hesitate to call Telecommunications us! Rewards Eamed on Purchases $10.77 Rewards Earned through Chase Rewards Plus $0.00 Current Rewards Total $103.35 Rewards Earned Year to Date $26.26 $2.59 rewards will expire on statement in January 2011 Your Chase Freedom credit card allows you to eam cash back fast. You will earn 3 % cash back in the 3 Everyday categories where you spend the most and 1 % cash back for all other purchases. You eam triple cash back where you spend the most automatically! You can redeem your rewards for a check once you earn $50 in Cash Back Rewards. To redeem your rewards, go online to www.chase.com/rewards or call us at (800) 603-2265. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 04/21 Payment -Thank You -250.00 03(28 OUIKSIGNS 941-9231223 FL 94.90 04/10 SPRINT `NEXTEL-CS 800-639-6111 VA 110.95 04/09 JAI`JEGS 190 AUTOPARTS 800-345-4545 OH 212.91 04/10 AIR SUSPENSIONS 407-888-3090 FL 619.00 04119 LATE FEE 39.00 04/22 SHILLITOOIL,INC.7174329676PA 38.50 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee ! Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .03627% 13.24% $9,376.17 $105.42 $0.00 $0.00 $105.42 Cash advances V .05271 % 19.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.03627% 13.24% $1,168.52 $13.14 $0.00 $0.00 $13.14 Total finance charges $118.56 Effective Annual Percentage Rate (APR): 13.24 % Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000001 FIS33338 D 8 000 N 2 24 D9/04124 Page 1 or 3 05688 MA MA 64939 11410000080006493901 03431NS141241NSi3597 Address Change Request Please provide information below only if the address information on front is incorcect. Street Address: City State: Zip: Home Phone: i Work Phone: E-mail Address: L To contact us regarding your account: ~ By Telephone: ' l~ ® In U.S. 1-800-9452000 Espanol 1-888446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: ~ TDD 1-800-955-8060 ~ Pay by phonel-800436-7958 P.O. Box 15298 P.O. Box 15153 www.chase.com/creditwrds ~ Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 i-302-594-8200 Information About Your Account To get the daily balance for each day of the current billing cycle, Crediting of Payments: For payments by regular U.S. mail, send at we take the beginning balance for each feature, add arty new ~ least your minimum paymem due to our Payments address shown transactions or other debits (including fees, unpaid finance charges t~ on this statement. Your payments by mail must comply with the and other charges), subtract any payments or credits, and make other instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U.S financial institution or the U.S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send cash. Write your account numher on your as of the date deposited by the payee ore later date of our choice). Fees check or money order. Payments must be accompanied by the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible pasted to your account, or the last day of the billing cycle. This gives through the envelope window: the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. If a daily periodic rate applies to any feature, we multiply the daily or correspondence included with your payment. If your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p.m. local time at our balance to get the beginning balance for the next day. (If more than one Payments address on this statement, we will credit the payment to daily periodic rate could apply based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily periodic rate that applies for the average daily balance cur payment instructions, but is made available to us after 1:00 p.m. amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on this statement, we will credit it finance charge each day.) to your account as of the next day. If you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or if your paymerd is not sent by regular U.S. mail to daily periodic rate(s) applies, we add all of the daily periodic finance our Payments address, credding of your payment may be delayed for charges for all features. To determine an average dairy balance, we up to 5 days. Payments made electronically through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). It you multiply the average daily balance for subject to any processing times disclosed for those payments. each feature by the applicable daily periodic rate, and then multiply Account information RepoAed 1o Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments, cycle(s), and then add all of the results together, the total will also missed payments or other defaults on your accoum may he reflected in equal the periodic finance charges for the billing cycle, except for your credit report. If you think we have reported inaccurate initlrmation minor variations due to rounding. To get your total periodic finance to a credit bureau, you may write to us at the Inquiries address shown charge far a killing cycle when a monthly periodic rate(s) applies, on this statement. mudiply the average dairy balance for each feature by the applicable Notice About Electronic Check Conversion: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle, except for minor a one-time electronic fund transfer from your account or to Rrocess variations due to rounding. the payment as a check transachon. When we use information Grace Period (al least 20 days): We accrue periodic finance charges from your check to make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases instltution. Call the Customer Service number on this statement it you billed during a billing cycle if we receive both payment of your New have questions about electronic check collection or do not want your Balance on your current statement by the date and time your payment payments collected electronically. is due and also payment of your New Balance on your previous Conditional Payments: Any Payment check or other Corm of payment statement by the date and time your payment was due. There is no that you send us for less than the full balance due that is marked "paid grace period for balance transfers, cash advances, check transactions, in full" or contains a similar notation, or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P 0 Box 15049; Wilmington, DE 79850-5049. We reserve all our In Case of Errors or questions About Your Bill: If you think your hill rights regarding these payments (e.g., if it is determined there is no is wrong, or if you need more information about a transaction an your valid dispute or if any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.O. Box 15299 may accept the check and you will still awe any remaining balance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept arty such payment by returning it to you, not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sent to the regular Payments address shown on this statement. preserve your rights. In your letter, give us the following information. Annual Renewal Notice: If your account has an annual fee, it will be • Your name and account numher billed each yearor in monthly installments, whetherornotyou use your • The dollar amount of the suspected error account, and you agree to pay it when billed. The annual fee is non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. If you need more information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. tee is charged and at the same time, you pay your outstanding balance You do not have to pay any amount in question while we are in full. Your payment of the annual fee does not affect our rights to investigating, but you are still obligated to pay the parts of your bill close your account and to limit your right to make transactions on that are not in question. While we investigate your question, we your account. If your account is closed by you or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual fee until you pa your outstanding balance in full you question. If you have authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking account, you can stoR the ExplanationMFinaneeCherges: Wecalculate periodicfinancecharges, payment on any amount you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Servicetelephone for each feature (e.g.,balance transfer/convenience checks and cash number shown on this statement) must reach us at least three business advance checks ('check transaction"), purchases, balance transfers. days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Speeial Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a "V" next to a periodic rate on this statement, (excluding purchases made with a check). and you have tried in goad that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goads or services. You have this Agreement, as amended. There is a minimum finance charge in any protection Doty when the purchase price was more than 850 and the billing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or within 700 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or if we mailed you the advertisement for the property Agreement.. as amended. or services. Mnl I taco I Payment Due Date New Balance Past Due Amount Minimum Payment 06118/09 $11,431.19 $0.00 50.00 Account number: 4147 2020 3623 9950 . Make your check payable to: Chaae Card Services. Please write amount encbsed. New address or email? Print on back. 41472D203623995000DOOD~0011431190000003 I~~ 43790 aEXZ,4409D 6rrIILlydrrLlrrlr411rrrLlrrr rllrl,L rJIr rl Jrrrllr rllrrl JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 Inrliinrillur,nilurllullniluulriirinlnirurllurii) 1:5000 L60 281: 359 2036 239950 211' Statement Dale: CHAS E ~ 04/25!09 - 05/24!09 Manage your account online: wewy chase,comlcreditcards Minimum Payment: 50.00 Payment Due Date: 06/18/09 Additional contact information Minimum Payment Due for Credit Access Line $0.00 conveniently located on reverse side Total Minimum Payment Due $0.00 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4147 2020 3623 9950 Previous Balance $10,944.69 Credit Access Line $27,800 Payment, Credits -$500.00 Available Credit $16,368 Purchases, Cash, Debits +$845.32 Cash Access Line $5,560 Finance Charges +$141.18 Available for Cash $5,560 New Balance $11,431.19 The new APR and promotional rate expiration reflected on this statement is a result of a late payment on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. CHASE FREEDOM REWARDS SUMMARY Thank you for using Chase Freedom! We Previous Month's Balance $103.35 appreciate your business as a valued Chase Bonus Earnings on top purchase categories $0.00 Freedom customer. We are here to serve you. Rewards Earned on Purchases $8.48 If you have any questions, do not hesitate to call Rewards Earned through Chase Rewards Plus $0.00 us! Current Rewards Total $111.83 $2.59 rewards will expire on statement in January 2011 Your Chase Freedom credit card allows you to cam cash back fast. You will earn 3 % cash back in the 3 Everyday categories where you spend the most and 1 % cash back for all other purchases. You earn triple cash back where you spend the most automatically! You can redeem your rewards for a check as soon as you earn $50 in Cash Back Rewards. To redeem, go online at www.chase.com/rewards or call us at (800) 603-2265. ACCOUNT ACTIVITY ~ Blink Transaction Date of Transaction Merchant Name or Transaction Description nt 05/12 Payment -Thank You -500.00 04/23 AUTO METER PRODUCTS 8158958141 IL 233.18 04126 THE HOME DEPOT 4120 MECHANICSBURG PA 75.08 05106 CLASSMATES.COM 425-917-5005 WA 15.00 OS/10 PEPBOYS STORE # 21 MECHANICSBURG PA 110.23 05/17 aBEST BUY 00014787 MECHANICSBURG PA 105.99 05119 REALTOR ASSOCIATION/MLS312-329-82451E 305.84 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Cortese. Average Daily Due To Fee ! Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.04175% 15.24% $10,105.33 $126.57 $0.00 $0.00 $126.57 Cash advances V .05271 % 19.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.04175% 15.24% $1,166.33 $14.61 $0.00 $0.00 $14.61 Total finance charges $141.18 Effective Annual Percentage Rate (APR): 15.24 Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction rategory. The Effective APR represents your total finance charges -including transacton tees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000001 FIS33338 D 12 000 N Z 24 09/05/24 Page 1 of 2 05886 MA MA 43790 14410000120004379001 0343 T T _ Address Change Request Please provide information below only it the address information on front is incorrect. Street Address: ~ I City State: II Zip: Home Phone: Work Phone: E-mail Address: L To contact us regaMing your account: _ By Telephone: 7 ~l fff~ © In U.S. 1-800-945-2000 C'~I "Q Espanol 1-B88A46-3308 ~ TDD 1-800-955-8060 Send Inquiries to: Mail Payments to: Visit Our Website: Pay by phone l-800-036-7958 P.O. Box 15298 P.O. Box 15153 www.chase.comlcreditcards i Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 ~ 1-302-594-8200 r~ Information About Your Account To get the daily balance for each day of the current billing cycle, ~ Crediting of Paymenh: For payments by regular U.S matt, send at we take the beginning balance for each feature, add any new ~ least your minimum payment due to our Payments address shown transactions or other debits (including fees, unpaid finance charges on this statement. Vour payments by mail must comply with the and other charges}, subtract any payments or credits, and make other instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U.S. financial institution or the U.S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send cash. Write your account number on your as of the date deposited by the payee or a later date of our choice). Fees check or money order. Payments must be accompanied by the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible posted to your account, or the last day of the billing cycle. This gives through the envelope window; the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. If a daily periodic rate applies to any feature, we multiply the daily or correspondence included with your payment. II your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p.m. local time at our balance to get the beginning balance for the next day. (If more than one Payments address on this statement, we will credit the payment to daily periodic rate could apply based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily periodic rate that applies far the average daily balance cur payment instructions, but is made available to us after 1:00 p.m. amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on this statement, we will credit it finance charge each day.) to your account as of the next day. If you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or it your paymem is not sent by regular U.S. mail to daily periodic rate(s) applies, we add all of the daily periodic finance our Payments address, crediting of your payment may be delayed for charges for all features. To determine an average dairy balance, we up to 5 days. Payments made electronically through cur automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). If you multiply the average daily balance for subject to any processing times disclosed for those paYmerits. each feature by the applicable daily periodic rate, and then multiply Aceourd Information Reported to Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments, cycle(s), and then add all of the results together, the fetal vvill also missed payments or other defaults on your account may be reflected in equal the periodic finance charges for the billing cycle, except for your credit report. If you think eve have reported inaccurate information minor variations due to reunding. To get your total periodic finance to a credit bureau, you may write to us at the Inquiries address shown charge far a billing cycle when a monthly periodic rate(s) applies, on this statement. multiply [he average daily balance for each feature by the applicable Notice About Electronic Check Conversion: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle, except for minor a one-time electronic fund transfer from your account or to process variations due to rounding. the payment as a check transaction. When we use information Grace Period (at Ieas120 days}: We accrue periodic finance charges tram your check to make an electronic fund transfer, funds may be on a transaction.. fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases rnstitution. Call the Customer Service number on this statement it you billed during a billing cycle if we receive both payment of your New have questions about electronic check collection or do not want your Balance on your current statement by the date and time your payment payments ceflected electronically. is due and also payment of your New Balance on your previous Conditional Paymerds: Any payment check or other form of payment statement by the date and time your payment was due. There is no that you send us for less than the full balance due that is marked "paid grace period for balance transfers, cash advances, check transactions, in full" or contains a similar natation, or that yeu otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P.0 Box 15049, Wilmington, DE 19050-5049. We reserve all our In Case of Errors or Questions About Your Bill: If you think your bill rights regarding these paymems (e.g., if it is determined there is no is wrong, or if you need more information about a transaction on your valid dispute or if any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.O. Box 15299 may accept the check and you will still owe any remaining futance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accent any such payment by returning it to you, not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it. All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sent to the regular Payments address shown on this statement. preserve your rights. In your letter, give us the following information. Annual Renearal Notice: If your account has an annual fee, it will be • Your name and account number billed each year or in monthly installments, whether or not you use your • The dollar amount of the suspected error account, and you agree to pay it when billed. The annual fee is non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. If you need mare information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. fee is charged and at the same time, you pay your outstanding balance You do not have to pay any amount in question while we are in lull. Your payment of the annual fee does not affect our rights to investigating.. but you are stilt obligated to pay the parts of your bill close your account and to limit your right to make transactions on that are not in question. While we investigate your question, we your account If your account is closed by yeu or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual fee until you pay your outstanding balance in full you question. If you (rave authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking account, you can stop the Explanation etFinaneeChargea: We calculate periodicfinancecbarges, payment on any amount you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Service telephone for each feature (e.g.,balance Transfer/convenience checks and cash number shown on this statement) must reach us at leastthree business advance checks ("check transaction"), purchases, balance transfers. days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Special Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with [he same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a' V" next to a periodic rate on this statement, (excluding purchases made with a check), and you have tried in good that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goods or services. You have this Agreement, as amended. There is a minimum finance charge in any protection only when the purchase price was more than S50 and the billing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or within 100 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do riot apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or if we mailed you the advertisement for the property Agreement, as amended. or services. MA111408 _ _ _ . _ _ - - i _ _ _ Statement Dale: 04(25/09 - 05/24/09 Account Number: 4147 2020 3623 9950 Page 2 of 2 IMPORTANT NEWS You have the flexibility to skip a payment. You must pay past due and ovedimit balances immediately. However, the remaining minimum payment for this month has been reduced to $0. Finance charges will continue to accrue. To reduce your balance, feel free to make a payment. Go green, and remove the paper clutter from your life! Sign up for papedess statements at chase.com/creditcards, and feel secure in knowing your statements will no longer be in the mail, but accessible anytime online! Limited time offer on British Airways...Save $100 'rlt. Book around-trip flight on British Airways worldwide in World Traveller Plus or Wodd Traveller between Mar 23- Aug 31, 2009. Visit ba.com/chase100 to book your flight. ONer ends June 30, 2009. 'Terms & conditions apply. This Statement is a Facsimile -Not an original 0000001 FI533338 D 12 000 N Z 24 09/05/24 Page 2012 05888 MA MA 43790 14410000120004379002 1 0 Payment Due Date New Balance Past Due Amount Minimum Payment 07119109 $11,444.06 $0.00 $229.00 Account number: 4147 2020 3623 9950 . Make your check payable to: Chase Card Services. Please write amount enclosed. New address or a-mail? Pnnt on back. ~i 414720203623995000022900011444060000000 3865913E%Z 17509D 111 lli it 111 it 11111 111 ll 111 11111 lllil lllilllllllilllllli llillll JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 L,.IIIr.,III,.....IL,rIIrrllrrllrrrrLlLl,rLrLrrrllrrrlll 1:5000 L60 281: 3 59 20 36 2 399 50 2il• Statement Date: CHASE ~ 05/25/09 - 06/24/09 Manage your account online: wnvw. chase. com/creditcards Minimum Payment: 5229.00 Payment Due Date: 07N9l09 Additional contact information Minimum Payment Due for Credit Access Line $229.00 conveniently located on reverse side Total Minimum Payment Due $229.00 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4147 2020 3623 9950 Previous Balance $11,431.19 Credit Access Line $27,800 Payment, Credits -$500.00 Available Credit $16,355 Purchases, Cash, Debits +$362.87 Cash Access Line $5,560 Finance Charges +$150.OD Available for Cash $5,560 New Balance $11,444.06 CHASE FREEDOM REWARDS SUMMARY Thank you for using Chase Freedom! We Previous Month's Balance $111.83 appreciate your business as a valued Chase Bonus Earnings on top purchase categories $0.00 Freedom customer. We are here to serve you. Rewards Earned on Purchases $3.63 If you have any questions, do not hesitate to call Rewards Earned through Chase Rewards Plus $0.00 us! Current Rewards Total $115.46 $2.59 rewards will expire on statement in January 2011 Your Chase Freedom credit card allows you to cam cash back fast. You will earn 3 % cash back in the 3 Everyday categories where you spend the most and 1 % cash back for all other purchases. You cam triple cash back where you spend [he most automatically! You can redeem your rewards for a check as soon as you cam $50 in Cash Back Rewards. To redeem, gD online at www.chase.com/rewards or call us at (800) 603-2265. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount O6l13 Payment -Thank You -500.00 05/22 SUPER SHOE #7 MECHANICSBURG PA 194.95 06113 ADVANCE AUTO PARTS #1229 HARRISBURG PA 167.92 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Comesp. Average Daily Due To Fee ! Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.04175% 15.24% $10,421.43 $134.88 $0.00 $0.00 $134.88 Cash advances V .05271% 19.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .04175% 15.24% $1,168.10 $15.12 $0.00 $0.00 $15.12 Total finance charges $150.00 Effective Annual Percentage Rate (APR): 15.24 % Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer tees -expressed as a percentage. Limited time offer on BnBSh Airways...Save $100 'r/t. Book around-trip flight on British Airways woAdwide in World Traveller Plus or Wodd Traveller between Mar 23- Aug 31, 2009. Visit ba.com/chase100 to book your flight. Offer ends June 30, 2009. 'Terms & conditions apply. This Statement is a Facsimile -Not an original OOODOOi FIS33338 D 6 000 N Z 24 09/06124 Page 1 of 1 05686 MA MA 38859 17510000060003885901 X 03431NS13877 _ _ _ I Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City State: Zip: Home Phoney Work Phone-. E-mail Address: To contact us regarding your account: By Telephone: 7 ~JI l~ ® In U.S. 1-800-945-2000 L"~J i Espanol 1-888-446-3308 Send In uiries to: Mail Pa merits to: Visit Our Website: = TDD 1-800-955-8060 q y e~e Pay by phonel-800-436-7958 P.O. Box 15298 P.O. Box 15153 www.chase.com/creditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account To get the daily halance for each day of the current billing cycle, aria ~ Crediting of Paymsnls: For payments by regular U.S. mail, send at we take the beginning balance for each feature, add any new i least your minimum payment due to our Payments address shown transactions or other debits (including fees, unpaid finance charges on this statement. Your payments by mail must cromply with the and other charges), subtract any payments or credits, and make other instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U.S financial institution or the U.S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send cash. Write your account number on your as of the date deposited by the payee or a later date of our choice). Fees check or money order. Payments must be accompanied by the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible pasted to your account, or the last day of the killing cycle. This gives through the envelope window; the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and [here can be no staples, paper clips, tape zero. If a daily periodic rate applies to any feature, we multiply the daily or correspondence included with your payment. It your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instmctions and is made available for that day. We then add these periodic finance charges to your dairy to us on any day except December 25 by 1:00 p.m. local time at our balance to get the beginning balance lorthe next day. (If more than one Payments address on this statement. we will credit the payment to daily periodic rate could apply based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily periodic rate that applies lorthe average daily balance our payment instructions, but is made available to us after 1:00 p. m. amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on this statement, we will credit h finance charge each day.) to your account as of the next day. If you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or if your payment is not sent by regular U.S. mail to daily periodic rate(s) applies, we add all of the daily periodic finance our Payments address, credaing of your payment may be delayed for charges for all features. To determine an average daily balance, we up to 5 days. Payments made electronically through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). If you multiply the average daily balance for subject to any processing times disclosed for those payments. each feature by the applicable daily periodic rate, and then multiply Account Information Reported to Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments, cycle(s), and then add all of the results together, the total will also missed payments or Ofher defaults on your account may be reflected in equal the periodic finance charges for the billing cycle, except for your credit report, If you think we have reported inaccurate information minor variations due to rounding. To get your total periodic finance to a credit bureau, you may write to us at the Inquiries address shown charge for a billing cycle when a monthly periodic rate(s) applies, on this statement. multipy the average daily balance for each feature by the applicable Notice About Electronic Check Conversion: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle, except for minor a one-time electronic fund transfer tram your account or to process variations due to rounding, the payment as a check transaction. When we use information Grace Period (at least 20 days): We accrue periodic finance charges from your check to make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement if you billed during a billing cycle if we receive both payment of your New have questions about electronic check collection or do not want your Balance on your current statement by the date and time your payment payments collected electronically. is due and also payment of your New Balance on your previous Conditional Peymelds: Any payment check or other form of payment statement by the date and time your payment was due. There is no that you send us for less than the full halance due that is marked "paid grace period for balance transfers, cash advances. check transactions, in full" or contains a similar natation, or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P 0 Box 15049, Wilmington, DE 19850-5049. We reserve all our In Case of Errors er Gueriions About Your Bill: If you think your bill rights regarding these payments (e.g., it it is determined there is no is wrong, or if you need more information about a transaction on your valid dispute or If any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.0 Box 15299 may accept the check and you will still owe any remaining balance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept arty such payment by returning it to you. not you no later than 60 days after we sent you the first bill on which the cashing it or destroyying it. All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sent to the regular PaymeMS address shown on this statement. preserve your rights. In your letter, give us the following information. Annual Renewal Notice: If your amount has an annual fee, it will be • Your name and account number billed each yearor in monthly installments, whether or notyou use your • The dollar amount of the suspected error account. and you agree to pay it when billed. The annual tee is non- • Describe the error and explain, if you can, why you believe there rs refundable unless you notify us [hat you wish to close your account an error. If you need more information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. fee is charged and at the same time, you pay your outstanding balance You do not have to pay any amount in question while we are in Lull. Your payment of the annual fee does not affect our rights to investigating, but you are still obligated to pay [he parts of your bill close your account and to limit your right to make transactions on tfwt are not in question. While we investigate your question, we your account. If your account is closed by you or us, we will continue cannot report you as delinquent or take action [o collect the amount to charge the annual fee until you pay your outstanding halance in full you question. If you have authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking accoum, you can stop the Explanation of Finance Charges: We calculate periodic tinanceckarges, payment on any amount you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Service telephone far each feature (e.g.,balance transferlconvenience checks and cash number shown onthis statement) must reach usat leastthree business advance checks ("check transaction"), purchases, balance transfers. days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Special Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a "V" next to a Deriodic rate on [his statement. (excluding purchases made with a check). and you have tried in good that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have [o rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goods or services. You have this Agreement, as amended. There is a minimum finance charge in any protection only when the purchase price was more than S50 and the billing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or within 100 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or it we mailed you the advertisement for the property Agreement.. as amended. or services. MA711408 ( _ Payment Due Date New Balance Past Due Amount Minimum Payment 08/18/09 $11,236.46 $0.00 E225.00 Account number: 4147 2020 3623 9950 . Make your check payable to: Chase Card Services. Please write amount encbsed. New address or a-mail? Print on back. 41472D203623995D00022500011236460000001 05362 eEXZ 20509D illlll ll ill ll 111 illllllill 11111 ll llllllil ll illlillllllll lillll JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 inrilinrllinuniinlliuilnliunlllilllllninullullil x:5000 L60 281: 359 2036 239950 211• Statement Date: CHASE O 06/25/09 - 07/24/09 , Manage your account online: Minimum Payment: 5225.00 '~'~+-chase.coMaeditcards Payment Due Date: 08/18109 Additional contact information Minimum Payment Due for Credit Access Line $225.00 conveniently located on reverse side Total Minimum Payment Due $225.00 ACCOUNT SUMMARY VISA SIGNATURE Account Number: 4147 2020 3623 9950 Previous Balance $11,444.06 Credit Access Line $27,800 Payment, Credits -$500.00 available Credit $16,563 Purchases, Cash, Debits +$102.73 Cash Access Line $5,560 Finance Charges +$189.67 Available for Cash $5,560 New Balance $11,236.46 CHASE FREEDOM REWARDS SUMMARY Thank you for using Chase Freedom! We Previous Month's Balance $115.46 appreciate your business as a valued Chase Bonus Earnings on top purchase categories $1.98 Freedom customer. We are here to serve you. Gas 8 Convenience Stores If you have any questions, do not hesitate to call Rewards Earned on Purchases $1.03 us! Rewards Earned through Chase Rewards Plus $0.00 Current Rewards Total $118.47 $2.59 rewards will expire on statement in January 2011 Your Chase Freedom credit card allows you to cam cash back fast. You will earn 3 % cash back in the 3 Everyday categories where you spend the most and 1 % cash back for all other purchases. You earn triple cash back where you spend the most automatically! You can redeem your rewards for a check as soon as you cam $50 in Cash Back Rewards. To redeem, go online at www.chase.comlrewards or call us at (800) 603-2265. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 07/16 Payment -Thank You -500.00 07/19 SUNOCO SVC STATION CAMP HILL PA 37.00 07/21 ACE HDWE OF SCOTLAND N SCOTLAND NECK NC 3.73 07!21 SHELL OIL 53268700027 SCOTLAND NECK NC 62.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .05545% 20.24% $10,230.53 $170.18 $0.00 $0.00 $170.18 Cash advances V .05545 % 20.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.05545% 20.24% $1,171.83 $19.49 $0.00 $0.00 $19.49 Total finance charges $189.67 Effective Annual Percentage Rate (APR): 20.24 Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction fees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000002 FI533338 D 12 000 N Z 24 09/07124 Page 1 of 1 05686 MA MA 05362 20510000120000536201 03431NS 13974 - _T T _ _ ~ _ r. Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City State: Zip: Home Phone: I Work Phone: E-mail Address: L To contact us regarding your account: By Telephone: ' _ ft)f!! ® In U.S. t-800-9452000 ~ "Q ataata~ Espaifol t-888-4463308 end Inquiries to: Mail Payments to: Visit Our Website: TDD t-800-9558060 ~ Pay by phonet-800-4367958 P.O. Box 15298 P.O. Box 15153 www.chase.com/creditcards Outside U.S. call collect Wilmington, DE 79850-5298 Wilmington, DE 19886-5153 ~ 1-302-594-8200 arar~ Information About Your Account To get the daily balance for each day of the current billing cycle, Crediting of Payments: For payments by regular U.S. mail, send at we take the beginning balance for each feature, add any new i least your minimum payment due to our Payments address shown transactions or other debits (including fees, unpaid finance charges on this statement. Your payments by mail must comply with the and other charges). subtract any payments or credits, and make other ' instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U.S financial institution or the U.S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send cash. Write your account number on your as of the date deposited by the payee ora later date of our choice). Fees check or money order. Payments must be accompanied by the are added either on the date of a related transaction, the date they are payment coupon In the envelope provided with our address visible pasted [o your account, or the last day of the billing cycle. This gives through the envelope window; the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. If a daily periodic rate applies to any feature, we multiply the daily or correspondence Included with your payment. If your payment is balance by the daily periodic rate [o get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p.m. local time at our balance to get the beginning balance for the next day. (If more than one Payments address on this statement, we will credit the payment to daily periodic rate could apply based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily periodic rate that applies for the average daily balance our payment instructions, but is made available to us after 1:00 p. m. amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on this statement, we will credit h finance charge each day.) to your account as of the next day. I1 you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or if your payment is not sent by regular U.S. mail to daily periodic rate(s) applies, we add all of the daily periodic finance our Payments address, crediting of your payment may be delayed for charges for all features. To determine an average daily balance, we up to 5 days. Payments made electronically through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). If you multiply the average daily balance for subject to arty processing times disclosed for those paymerits. each feature by the applicable daily periodic rate, and then multiply Account Inlormafion Reported to Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments. cycle(s), and then add all of the results together, the total will also missed payments orother defaults on your account may he reflected in equal the periodic finance charges for the billing cycle, except for your credit report. If you think eve have reported inaccurate information minor variations due to rounding Tb get your total periodic finance to a credit bureau, you may write to us at the Inquiries address shown charge far a billing cycle when a monthly periodic rate(s) applies, on this statement. multiply the average daily balance for each feature by the applicable Notice About Electronic Check Conversion: When yeu pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle, except for minor a one-time electronic fund transfer from your account or to process variations due to rounding. the payment as a check transaction. When we use information Grace Period (al least 20 days): We accrue periodic finance charges from your check to make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement i1 you billed during a billing cycle it we receive both payment of your New have questions about electronic check collection or do not want your Balance on your current statemem by the date and time your payment payments collected electronically. is due and also payment of your New Balance on your previous Conditional PaYrnents: Any payment check or other form of payment statement by the date and time your payment was due. There is ne that you send us for less than the full balance due that is marked "paid grace period for balance transfers, cash advances, check transactions, in full" or contains a similar notatien. or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P.O. Box 15049, Wilmington; DE 19850-5049. We reserve all our In Case of Errors or Guestions About Your Bill: If you think your bill rights regarding these paymerds (e.g., if it is determined there is no is wrong, or if you need more information about a transaction an your valid dispute or if any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.O. Box 15299 may accept the check and you will still owe any remaining balance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept any such payment by returning it to you, not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it. All other payments that you make should be error or problem appeared. Yeu can telephone us, but doing so will not sem to the regular Payments address shown on this statement. preserve your rights. In your letter, give us the following information. Annual Renewal Notice: If your account has an annual fee, it will be • Your name and account number billed each year or in monthly installments, whether or not you use your • The dollar amount of the suspected error account and you agree to pay it when billed. The annual tee ~s non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. If you need more information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. tee is charged and at the same time, you pay your outstanding balance You do not have to pay any amount in question while we are in full. Your payment of the annual fee does not affect our rights to investigating, but you are still obligated to pay the parts of your bill close your account and to limit your right to make transactions on that are not in question. While we investigate your question, we your account. It your account is closed by you or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual tee until you pay your outstanding balancr. in full you question. If you have authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking account, you can stop the Explanation of FinaneeCharges: We calculate periedicfinancecbarges, payment on arty amount you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Service telephone for each feature je.q.,balance transfer/convenience checks and cash number shown on thisstatemengmustreachusatleastthreehusiness advance checks ("check transaction"), purchases, balance transfers, days before the automatic payment is scheduled to occur. cash advances, Dromotional balances or overdraft advances). These Special Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a "V" next to a periodic rate on this statement, (excluding purchases made with a check), and you have tried in good that rate may vary, and [he index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goods or services. You have this Agreement, as amended. There is a minimum finance charge in any protection only when the Durchase price was more than $50 and the billing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or within 100 miles of your transaction finance charge for each balance transfer, rash advance, malting address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or if we mailed you the advertisement for the property Agreement, as amended. or services. r~lnt i I ace I Payment Due Date New Balance Past Due Amount Minimum Payment 09/18/09 $11,195.28 $0.00 $224.00 Account number: 4147 2020 3623 9950 I want to purchase optional • Make your check payable to: Chase Payment Protector Chase Card Services. Plan. I've read the Benefits & Please write amount encbsed. Disclosures on back of insert. New address or a-mail? Print on back. colas ae I 4147202D362399500D022400D1119528000000005889837 26635 BEX Z 23609 D III 11111111111111111111111111111111111111111111111111111111111 JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 IIIIIILr11111r.11111,rJL,II1rII1111LII11111r111r111Lrrlll I: 5000 i 60 28~: 3 59 20 3 6 2 399 50 211' Statement Date: CHASE ~ 07/25109 - 08/24!09 ®Manage your account online: www. chase. com/creditwrds Minimum Payment: $224.00 Payment Due Date: 09/18/09 Additional contact information conveniently located on reverse side Minimum Payment Due for Credit Access Line $224.00 Total Minimum Payment Due $224.00 ACCOUNT SUMMARY Account Number: 4147 2020 3623 9850 Previous Balance $11,236.46 Credit Access Line $27,800 Payment, Credits -$250.00 Available Credit $16,604 Purdlases, Cash, Debits +$15.00 Cash Access Line $5,560 Finance Charges +$193.82 Available for Cash $5,560 New Balance $11,195.28 CHASE FREEDOM REWARDS SUMMARY Thank you for using Chase Freedom! We Previous Month's Balance $118.47 appreciate your business as a valued Chase Bonus Earnings on top purchase categories $0.00 Freedom customer. We are here to serve you. Rewards Earned on Purchases $0.15 If you have any questions, do not hesitate to call Rewards Earned through Chase Rewards Plus $0.00 us! Curtent Rewards Total $118.62 $2.59 rewards will expire on statement in January 2011 Your Chase Freedom credit card allows you to earn cash back fast. You will earn 3 % cash back in the 3 Everyday categories where you spend the most and 1 % cash back for all other purchases. You earn triple cash back where you spend the most automatically! You can redeem your rewards for a check as soon as you earn $50 in Cash Back Rewards. To redeem, go online at www.chase.com/rewards or call us at (800) 603-2265. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 08!17 Payment -Thank You -250.00 08/06 CLASSMATES.COM 206-301-5900 WA 15.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Cortese. Average Daily Due To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .05545% 20.24% $10,098.91 $173.60 $0.00 $0.00 $173.60 Cash advances V .05545 % 20.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .05545% 20.24% $1,176.07 $20.22 $0.00 $0.00 $20.22 Total finance charges $193.82 Effective Annual Percentage Rate (APR): 20.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including transaction tees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS Chase makes it easy to remember to pay your bill on time every month. Set your due date to one that fits your needs, sign up for a-mail or text alerts to remind you that your payment is due, or login to Chase.comkreditcard & have your payment automatically deducted from your checking account! This Statement is a Facsimile -Not an original 0000005 FIS33338 D 5 000 N Z 24 09/08/24 Page 1 of 05666 MA MA 2fi635 236t00D005000266350'I f( 03431NS13601 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City i State: Zip: Home Phone: Work Phone: E-mail Address: To contact us regarding your account: By Telephone: 7 _ l~ ® In U.S. 7-800-945-2000 "[,j ~ Espanol 1-888-448-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TDD 1-800-9558060 ~ Pay by phonel-800-036-7958 P.O. Box 15298 P.O. Box 75753 www.chase.comlcredncards ~ Outside U.S. call collect Wilmington, DE 79850-5298 Wilmingtoq DE 19886-5153 1-302-594200 IMormation About Yaur Aeeount To get the daily halance for each day of the current billing cycle, Crediting of Payments: for payments by regular U.S. mail, send at we take the beginning balance for each feature, add any new ~ least your minimum payment due to our Payments address shown transactions or other debits (including fees, unpaid finance charges ii on this statement. Your payments by mail must comply with [he and other charges), subtract any payments or credits, and make other instructions on this statement, and must be made by check or money adjustments. Transactions are added as of [he transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U.S. financial institution or the U.S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send cash. Write your account number on your as of the date deposited by the payee ore later date of our choice). Fees check or money order. Payments must be accompanied by the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible pasted to your account. or the last day of the billing cycle. This gives through the envelope window; the envelope cannot comain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be na staples, paper clips, tape zero. If a daily periodic rate applies to any feature, we multiply the daily or correspondence included with your payment. If your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p. m. local time at our balance to get the beginning balance for the neM day. (If more than one Payments address on this statement. we will credit the payment to daily periodic rate could apply based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily periodic rate that applies far the average daily balance our payment instructions, but is made available to us alter 100 p. m. amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on this statement, we will credit it finance charge each day.) to your account as of the next day. If you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or if your payment is not sent by regular U S. mail to daily periodic rate(s) applies, we add all of the daily periodic finance our Payments address, crediting of your payment may be delayed for charges for all features. To determine an average daily balance, we up to 5 days. Payments made electronically through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). If you multiply the average daily balance for subject to any processing times disclosed for those payments. each feature by the applicahle daily periodic rate, and then multiply Account IMormatian Reported to Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. late payments. cycle(s), and then add all of the results together, the total will also missed payments or other defaults on your account may be reflected in equal the periodic finance charges for the billing cycle, except for your credit report. Ityou think we have reported inaccurate information minor variations due to rounding. To get your total periodic finance to a credit bureau, you may write to us at the Inquiries address shown charge for a billing cycle when a monthly periodic rate(s) applies, on this statement. multipry [he average dairy balance for each feature by the applicable Notice Aleut Electronic Check Conrersien: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges far the billing cycle. except for minor a one-time electronic fund transfer from your account or to Rrocess variations due to rounding. the payment as a check transaction. When we use information Grace Period (al least ZB days): We accrue periodic finance charges from your check to make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soen as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement it you billed during a billing cycle it we receive both payment of your New have questions about electronic check collection or do not want your Balance on your curcent statemem by the date and time your payment payments collected electronically. is due and also payment of your New Balance on your previous Conditional Payments: Any payment check or other form of payment statement by the date and time your payment was due. There is no that you send us for less than the full balance due that is marked "paid grace period for balance transfers, cash advances. check transactions in full" or contains a similar notation, or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P.O. Box 15049, Wilmington, DE 19850.5049. We reserve all our In Case of Errors or Guestions About Your Bill: If you think your bill rights regarding these payments (e.g., if it is determined there is no is wrong, or if you need more information about a transaction on your valid dispute or d any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.O. Box 15299 may accept the check and you will still owe any remaining balancel. Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept any such payment by returning it to you, not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it. All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sent to the regular Payments address shown on this statement, preserve your rights. In your letter, give us the following information. Annual Renewal Notice: If your account has an annual fee, it will be • Your name and account number billed each year or in monthly installments. whether or not you use your • The dollar amount of the suspected error account. and you agree to pay it when billed. The annual tee is non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. It you need more information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure shout. fee is charged and at the same time, you pay your outstanding balance You do not have to pay any amount in question while we are in full. Your payment of the annual fee does not affect our rights to investigating, but you are still obligated to pay the parts of your bill close your account and to limit your right to make transactions on that are not in question. While we investigate your question, we your account. If your account is closed by you or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual fee until you pay your outstanding balance in full you question. If you have authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking account, you can stop the Explanation of Finance Charges: We calculate periodicfinance charges, payment on any amount you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Service telephone for each feature (e.g.,balance transfer/convenience checks and cash number shown on this statement) must reach us at least three husiness advance checks ("check transaction"), purchases, balance transfers. days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Special Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality of goads dr services that you purchased with a credit card periodic rates. If there is a "V" next to a periodic rate on this statement, (excluding purchases made with a check). and you have tried in good that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goods or services. Vou have this Agreement, as amended. There is a minimum finance charge in any protection onry when the purchase price was mare than $50 and the billing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or within 700 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or if we mailed you the advertisement for the property Agreement, as amended. or services. MAt11408 _ ( Payment Due Date New Balance Past Due Amount Minimum Payment 10N9/09 $11,248.75 $224.00 $458.00 Account number: 4147 2020 3623 9950 . Make your check payable to: Chase Card Services. Please write amount encbsed. New address or a-mail? Print on back. 41472020362399500004580001124875000000000000008 III 63973 BEx Z 26709 D ~ 1111111 11111111 V I I I Il 111111111111111 l l l l l l l l l l l l l l l l l l 11111 JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 I,IIIIIr1111111r111111111111111111,111111LI11l,Jlllllllldll 1:5000 L60 281: 359 2036 239950 211' Statement Date: CHASE ~ 08!25/09 - 09/24/09 , Manage youraeeount online: wane. chase. corn/creditcards Minimum Payment: 5458.00 Payment Due Dale: 10/19/09 Additional contact infomtation Minimum Payment Due for Credit Access Line $234.00 conveniently located on reverse side Past Due Amount $224.00 Total Minimum Payment Due $458.00 ACCOUNT SUMMARY Account Number: 4147 2020 3623 9950 Previous Balance $11,195.28 Credit Access Line $27,800 Payment, Credits -$179.14 Available Credit $16,551 Purchases, Cash, Debits +$39.00 Cash Access Line $5,560 Finance Charges +$193.61 Available for Cash $0 New Balance $11,248.75 CHASE FREEDOM REWARDS SUMMARY Thank you for using Chase Freedom! We Previous Month's Balance $118.62 appreciate your business as a valued Chase Bonus Earnings on top purchase categories $0.00 Freedom customer. We are here to serve you. Rewards Earned on Purchases -$1.80 If you have any questions, do not hesitate to call Rewards Earned through Chase Rewards Plus $0.00 us! Current Rewards Total $116.82 $0.79 rewards will expire on statement in January 2011 Your Chase Freedom credit card allows you to earn cash back fast. You will earn 3% cash back in the 3 Everyday categories where you spend the most and 1 % cash back for all other purchases. You earn triple cash back where you spend the most automatically! You can redeem your rewards for a check as soon as you earn $50 in Cash Back Rewards. To redeem, go online at www.chase.com/rewards or call us at (800) 603-2265. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 09/19 LOWES #02223` MECHANICSBURG PA -179.14 09118 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .05545% 20.24 % $10,081.12 $173.29 $0.00 $0.00 $173.29 Cash advances V .05545 % 20.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .05545 % 20.24 % $1,181.64 $20.32 $0.00 $0.00 $20.32 Total finance charges $193.61 Effective Annual Percentage Rate (APR): 20.24 Please see Information About Your Account section for balance computation method, grace period, and other important information. The Cortesponding 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 0000014 FI633338 D 6 D00 N Z 24 09!09/24 Page 1 oft 05686 MA MA 53973 26710000060005397301 03431N513990 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ~ I City. State: Zip: Home Phone: Work Phone. E-mail Address: L To contact us regaMing your account: By Telephone: ' ~ ® In U.S. 1-800-945-2000 ~ Espanol 1-888-0463308 Send Inquiries to: Mail Pa ments to: Visit Our Website: coo 1-aoasss-aoso y Pay by phone)-800-036-7958 P.O. Box 15298 P.O. Bax 15153 www.chase.comlcreditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 ' InlormatianAboutYOUrAecounl To get the daily halance for each day of the current billing cycle, Crediting of Payments: For payments by regular U. S. mail, send at we take the beginning balance for each feature, add any new least your minimum paymem due to our Payments address shown transactions or other debits (including fees, unpaid finance charges an this statement. Your payments by mail must comply with the and other charges). subtract any payments or credits, and make other instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U.S. financial insttution or the U.S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send rash. Write your account number on your as of the date deposited by the payee ore later date of our choice). Fees check or money order. Payments must be accompanied by the are added either on the date of a related transaction, the date they are paymem coupon in the envelope provided with our address visible posted to your account, or the last day of the billing cycle. This gives through the envelope window: the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. It a daily periodic rate applies to any feature. we multiply the daily or correspondence included with your payment. If your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p.m. local time at our balance to get the beginning balanceforthe nex[day. (If morethan one Payments address on this statement, we will credit the payment to daily periodic rate could appy based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily periodic rate that applies forthe average daily balance our payment instructions, but is made available to us after 1:00 p.m. amount at the end of the billing cycle fo calculate the daily periodic local time at our Payments address on this statement, we will credit it finance charge each day.) to your account as of the next day. Ii you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or ii your payment is not sent by regular U.S. mail to daily periodic rate(s) applies, we add all of the daily periodic finance our Payments address, crediting of your payment may be delayed for charges far all features. To determine an average daily balance, we up to 5 days. Payments made electronically through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). It you multiply the average daily balance for subject to any processing times disclosed for those payments. each feature by the applicable daily periodic rate, and then multiply Account Inlermatian Reported to Credit Bureeuz We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments, cycle(s), and then add all of the results together, the total will also missed payments orother defaults on your account maybe reflected in equal the periodic finance charges for the billing cycle, except for your credit report. If you think we have reported inaccurate information minor variations due to rounding. To get your total periodic finance to a credit bureau, you may wme to us at the Inquiries address shown charge far a billing cycle when a monthly periodic rate(s) applies, on this statement. multiply the average daily balance far each feature by the applicable Notice Ahoul Electronic Check Conrersian: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle, except for minor a one-time electronic fund transfer from your account or to process variations due to roundingg. the payment as a check transaction. When we use informatien Grace Period (at Ieas120 daps): We accrue periodic finance charges from your check !o make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement if you billed during a billing cycle if we receive both payment of your New have questions about electronic check collection or do not want your Balance on your current statement by the date ails time your payment payments collected electronically. is due and also payment of your New Balance on your previous Conditional Payments: Any payment check or other form pt payment statement by the date and time your paynten[ was due. There is no that you send us for less than the full halance due that is marked "paid grace period for balance transfers, cash advances., check transactions, in full" or contains a similar natation, or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P 0 Box 15049, Wilmington. DE 19850.5049. We reserve all our In Case of Errors or Questions About Your Bill: If you think your bill rights regarding these payments (e.g., if it is determined there is no is wrong, or if you need more information about a transaction on your valid dispute or if any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.O. Box 15299 may accept the check and you will still owe any remaining balance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept arty such payment by returning it to you. not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it. All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sent to the regular Paymens address shown on this statement. preserve your rights. In your letter, give us the following information. Annual Renewal Notice: If your account has an annual fee, it will be • Your name and account number billed each yearor in monthly installments, whether ornotyou use your • The dollar amount of the suspected error account. and you agree to pay it when billed. The annual fee is non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. If you need more information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. tee is charged and at the same time, you pay your outstanding halance You do not have to pay any amount in question while we are in lull. Your payment of the annual fee does not affect our rights to investigating, but you are still obligated to pay [he parts of your bill close your account and to limit your fight to make transactions on that are not in question. While we investigate your question, we your account. If your account is closed by you or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual fee until you pay your outstanding balance in full you question. If you have authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking account, you can stop the Explanation ofFinaneeCbargea: Wecalculate periodicfinancecharges, payment on any amount you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separate)y letter or call (using the Inquiries address or Customer Service telephone for each feature (e.q.,balance transfer/convenience checks and cash number shown on this statement) must reach us at least three business advance checks (`check transaction"), purchases, balance transfers, days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Special Rule for Cmdit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a' V" next to a periodic rate on this statement, (excluding purchases made with a check), and you have tried in goad that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goods or services. You have this Agreement, as amended. There is a minimum finance charge in any protection only when the purchase price was more than $50 and the billing cycle in which you owe any periodic finance charges. and a purchase was made in your home state or within 100 miles of your transaction finance charge for each balance transfer, cash advance. mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or if we mailed you the advertisement for the property Agreement, as amended. or services. MAi11408 I Payment Due Date New Balance Past Due Amount Minimum Payment 11/18/09 $11,165.59 $0.00 $224.00 Account number: 4147 2020 3623 9950 . Make your cheek payable to: Chase Card Services. Please write amount enclosed. New address or a-mail? Print on back. Iii 4147202D36239950D002240001116559000DDDDDDOODD07 ~I 547098EXZ 29709D ill lii it ill it lilillil liill li lit ll lii lilil ll iilli lillliilliilli JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 ilrluil rliulll lllu llln ll alto ll llilulillillil lllulllui 5000 L60 28~: 3 59 20 36 2 399 50 211e Statement Date: CHASE O 09/25/09 - 10124/09 Manage youraecount online: www. chase. comlcredilcards Minlmum Payment: 5224.00 Payment Due Date: 11/18/09 Additional contact information Minimum Payment Due for Credit Access Line $224.00 conveniently located on reverse side Total Minimum Payment Due $224.00 ACCOUNT SUMMARY Account Number: 4147 2020 3623 9950 Previous Balance $11,248.75 Credit Access Line $13,300 Payment, Credits -$458.00 Available Credit $2,134 Purchases, Cash, Debits +$186.12 Cash Access line $2,660 Finance Charges +$188.72 available for Cash $2,134 New Balance $11,165.59 CHASE FREEDOM REWARDS SUMMARY Thank you for using Chase Freedom! We Previous Month's Balance $116.82 appreciate your business as a valued Chase Bonus Earnings on top purchase categories $0.00 Freedom customer. We are here to serve you. Rewards Earned on Purchases $1.87 If you have any questions, do not hesitate to call Rewards Earned through Chase Rewards Plus $0.00 us! Current Rewards Total $118.69 $0.79 rewards will expire on statement in January 2011 Your Chase Freedom credit card allows you to eam cash back fast. You will earn 3 % cash back in the 3 Everyday categories where you spend the mast and 1 % cash back for all other purchases. You earn triple cash back where you spend the most automatically! You can redeem your rewards for a check as soon as you eam $50 in Cash Back Rewards. To redeem, go online at www.chase.com/rewards or call us at (800) 603-2265. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Am t 10/16 Payment -Thank You -458.00 09/28 INTUIT'TURBOTAX 800-446-8848 CA 145.90 10/17 ESPN ZONE-BALTIMORE REST. BALTIMORE MD 40.22 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Cortese. Average Daily Due To Fee / Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .05545% 20.24% $10,155.11 $168.93 $0.00 $0.00 $168.93 Cash advances V .05545 % 20.24 % $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.05545% 20.24% $1,189.81 $19.79 $0.00 $0.00 $19.79 Total finance charges $188.72 Effective Annual Percentage Rate (APR): 20.24 % Please see Information About Your Account section for balance computation method, grace period, and other important information. The Cortesponding 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 Vansaction fees such as cash advance and balance transfer fees -expressed as a percentage. This Statement is a Facsimile -Not an original 0000001 FIS33338 D 5 000 N Z 24 09/10/24 Page 1 or 1 05686 MA MA 54709 29610000050005470901 7( 0343 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address. il City. State: Zip: Home Phone: Work Phone: E-mail Address: To contact us regarding your account: ~ By Telephone: 7 /a, ifs ® In U.S. 1-800-945-2000 /~I "~J a Espanol t-8681x46-3308 Send Inquiries to: Mail Pa manta to: Visit Our Wefnite: TDD 1-800-955.8060 y Outs tlBpUS cal~ollect~795B Wi mngtonS DE 19850-5298 Wi mggtoq DE 19886-5153 ~N chase.coMcreditcards 1-302-594-8200 Inlormation About Your Aeeourrt To get the daily balance for each day of the current killing cycle, Crediting of Payments: For payments by regular U.S. mail, send at we take the beginning balance for each feature, add arty new i• least your minimum payment due to our Payments address shown transactions or other debits (including fees, unpaid finance charges on this statement. Your payments by mail must comply with the and other charges). subtract any payments or credits, and make other instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U.S. financial institution or the U.S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send cash. Write your account number on your as of the date deposited by the payee ora later date of our choice). Fees check or money order. Payments must be accompanied dY the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible posted to your account, or the last day of the billing cycle. This gives through the envelope window; the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. ff a daily periodic rate applies to any feature, we multiply the daily or correspondence included with your payment. If your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p.m. local time at our balance to get [he beginning balance for the next day. (If more than one Payments address on this statement, we will credit the payment to daily pedodic rate could appy based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily periodic rate that applies forthe average daily balance our payment instructions, but is made available to us after 1:00 p.m. amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on this statement, we will credit h finance charge each day.) to your account as of the next day. 11 you do not fallow our payment To get your total periodic finance charge for a billing cycle when a instructions or if your payment is not sent by regular U.S. mail to daily periodic rate(s) applies, we add all of the daily periodic finance our Payments address, crediting of your payment may be delayed for charges for all features. To determine an average dairy balance, we up to 5 days. Payments made electronically through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). It you multiply the average daily balance for subject to any processing times disclosed for those payments. each feature by the applicable daily periodic rate, and then multiply Account information Reported to Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments, cycle(s), and then add all of the results together, the total will also missed payments orother defaults on your account may be reflected in equal the periodic finance charges for the billing cycle, except for your credit report. If you think we have reported inaccurate information minor variations due to rounding. To get your total periodic finance to a credit bureau, you may write to us at the Inquiries address shown charge for a killing cycle when a monthly periodic rate(s) applies, on this statement. multiply the average dally balance for each feature by the applicable Noliee About Electronic Check Conyersion: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either [o use information from your check to make the periodic finance charges for the billing cycle. except for minor a one-time electronic fund transfer from your account or to process variations due to rounding. the payment as a check transaction. When we use information Grace Period (at least 20 days(: We accrue periodic finance charges from your check to make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and yeu will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement if you billed during a billing cycle if we receive both payment of your New have questions about electronic check collection or do not want your Balance on your current statement by the date and time your payment payments collected electronically. is due and also payment of your New Balance on your previous Conditional Paymerds: Any payment check or other form of payment statement by the date and time your payment was due. There is no that you send us for less than the full balance due that is marked "paid grace period for balance transfers, cash advances.. check transactions. in full" or contains a similar notation, or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P.0. Box 15049, Wilmington, DE 19850-5049. We reserve all our In Case of Errors or Guedions About Your Bill: If you think your bill rights regarding these payments (e.g., if it is determined there is no is wrong, or if you need more information about a transaction on your valid dispute or if any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.O. Box 15299 may accept the check and you will still owe any remaining balance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept arty such payment by returning it to you, not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it. All other payments that you make should be error or problem appeared. You can telephone us, but doing so vaill not sent to the regular Payments address shown on this statemem. preserve your rights. In your letter, give us the following information. Annual Renewal Notice: If your account has an annual fee, it will be • Your name and account number billed each year or in monthly installments, whether or not you use your • The dollar amount of the suspected error account. and you agree to pay it when billed. The annual fee is non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. If you need more information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. fee is charged and at the same time, you pay your outstanding balance You do not have to pay any amount in question while we are in full. Your payment of the annual fee does not affect our rights to investigating, but you are still obligated to pay the parts of your bill close your account and to limit your right to make transactions on tfwt are not in question. While we investigate your question, we your account. If your account is closed by you or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual fee until you pay your outstanding balance in full you question. If you have authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking account, you can stop the Explanation ofFinance Charges: We calculate periodicfinance charges, payment on arty amount you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Service telephone for each feature (e.g.,balance tmnsier/convenience checks and cash number shown on this statement) must reach us at least three business advance checks ("check transaction"), purchases, balance transfers, days before the automatic payment is scheduled to occur. cash advances, Dromotional balances or overdraft advances). These Spacial Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a "V" next to a periodic rate on this statement, (excluding purchases made with a check).. and you have tried in good that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goods or services. You have this Agreement, as amended. There is a minimum finance charge in any protection only when the purchase price was mare than S50 and the billing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or within 100 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or if we mailed you the advertisement for the property Agreement, as amended. or services. M/t111408 it Payment Due Date New Balance Past Due Amount Minimum Payment 12/19/09 $11,576.03 $224.00 $460.00 Account number: 4147 2020 3623 9950 . Make your check payable to: Chase Card Services. Please write amount enclosed. New address or a-mail? Print on back. 41472D203623995DDOD4600001157603000000000000000 III 45391 BEx Z 32609 D JACK W WHEATLEYJR LtdILlnLdtLtLtllntLLndltLLtJlttltLnllnlLtl 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 lurlllurlllunnllurllnllnlluulrllrlululrnrllmlll x:5000 L60 28~: 359 2036 239950 211• CHASEFREEDOM~" Statement Date: 10/25!09-11/24!09 Manageyouraccountonline: www. cha se. comlcreditcards Minimum Paymenl: $460.00 Payment Due Date: 12/19/09 Additional contact infomation Minimum Payment Due for Credit Access Line $236.00 conveniently located on reverse side Past Due Amount $224.00 Total Minimum Payment Due $460.00 ACCOUNT SUMMARY Account Number: 4147 2020 3623 9950 Previous Balance $11,165.59 Credit Access Line $13,300 Purchases, Cash, Debits +$214.78 Available Credit $1,723 Finance Charges +$195.66 Cash Access Line $2,660 New Balance $11,576.03 Available for Cash $0 CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance $0.00 Start redeeming today. Visit Rewards transferred in $118.69 Ultimate Rewards at Rewards earned on purchases $1.77 www.chase.com/ultimaterewards. Bonus rewards from Ultimate Rewanls Travel $0.00 Bonus rewards earned at Ultimate Rewards Mall $0.00 Current rewards balance $120.46 Your Chase Freedom credit card allows you to cam Unlimited Cash Back Rewards with No Expiration! You earn a full 1 % cash back on ALL of your purchases with ongoing opportuni8es to cam even more! Earn up to an additional 10 % cash back when you shop online through the Ultimate Rewards Mall. You can redeem your Cash Back Rewards for cash, gift cards, travel or merchandise. To redeem, go online at www.chase.cem/ultimaterewards or call us at (800) 610-5676. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 11/01 KWIK FILL MECHANICSBURG PA 20.00 11102 RADIOSHACK COR00120592 MECHANICSBURG PA 46.63 11/07 CABELAS RETAIL HAMBURG HAMBURG PA 94.15 11/06 CLASSMATES.COM 206-301-5900 WA 15.00 11!18 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Comesp. Average Daily Due To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .05545% 20.24% $10,200.89 $175.35 $0.00 $0.00 $175.35 Cash advances V .05545% 20.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V.05545% 20.24% $1,181.41 $20.31 $0.00 $0.00 $20.31 Total finance charges $195.66 Effective Annual Percentage Rate (APR): 20.24% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Conesponding 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 OOOD001 FIS33336 D 7 000 N Z 24 09/11/24 Page 1 oft 05696 MA MA 45391 32810000070004539101 J( 0422 INS14309 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City: State: Zip. Home Phone: Work Phone: E-mail Address: To contact us regarding your account: By Telephone: ' ~ ® In U.S. 1-800-9452000 Espanol i-888-046-3308 Send Inquiries to: Mail Payments to: Visit Our VJabsile: TDD 1-800-9558060 Pay by phonai-800-036-7958 P.O. Box 15298 P.O. Box 15153 www.chase.comlcreditcards i Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594$200 Information About Yaur Account To get the daily balance for each day of the current billing cycle, Crediting of Payments: Far payments by regular U.S. mail, send at we take the beginning balance for each feature, add any new ~ leas[ your minimum payment due to our Payments address shown transactions or other debits (including fees, unpaid finance charges i on this statement. Your payments by mail must comply with the and other charges), subtract any payments or credits, and make other instructions on this statement, and must be made by check or money adlustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U. S. financial institution or the U.S. branch of a foreign financial or a later date of our choice (except [hat check transactions are added institution. Do not send cash. Write your account number cn your as of the date deposited by the payee ors later date of ourchoice). Fees check or money order. Payments must be accompanied by the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible pasted to your account, or the last day of the billing cycle. This gives through the envelope window: the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. If a daily periodic rate applies to any feature. we multiply the daily or correspondence included with your payment. If your payment is balance by [he daily periedic rate [o get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p. m. local tune at our balance to get the beginning balance for the next day. (If more than one Payments address on this statement. we will credit the payment to daily periodic rate could apply based on the average daily balance, vac your account aS Of that day. It your payment is in accordance with will use the daily periodic rate that applies for the average daily balance our payment instructions, but is made available to us after 1:00 p.m. amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on [his statement, we will credit it finance charge each day.) to your account as of the next day. If you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or if your payment is not sent by regular U.S. snail to daily periodic rate(s) applies, we add all of the daily periodic finance our Paymerts address, crediting of your payment may be delayed for charges for all features. To determine an average daily balance, we up to 5 days. Payments made electronicaly through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site wits be applicable billing cycle(s). It you multiply the average daily balance for subject to arty processing times disclosed for those payments. each feature by the applicable daily periodic rate, and then multiply Aeeourd Information Reported to Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments, cycle(s), and then add all of the results together, the total will also missed payments or olherdefaults on your account may be reflected in equal the periodic finance charges for the billing cycle, except for your credit report. If you think sve have reported inaccurate information minor variations due to rounding. To get your total periodic finance to a credit bureau, you may write to us at the Inquiries address shown charge for a billing cycle when a monthly periodic rate(s) applies, on this statement. multipy the average dairy balance for each feature by the applicable Notice About Electronic Check Conversion: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle. except for minor a one-time electronic fund transfer from your account or to process variations due to rounding. the payment as a check transaction. When we use information Grace Period (et least ZO days): We accrue periodic finance charges from your check to make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement if you billed during a billing cycle ii we receive both payment of your New have questions about electronic check collection or do not want your Balance on your current statement by the date and time your payment payments collected electronically. is due and also payment of your New Balance on your previous Conditional Paymerds: Any payment check or other form of payment statement by the date and time your payment was due. There is no that you send us for less than the full balance due that is marked "paid grace period for balance transfers, cash advances, check transactions, in full" or contains a similar notation, or that you othervaise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P.0 Box 15049, Wilmington, DE 19850.5049. We reserve all our In Case of Errors or Questions About Your Bill: If you think your bill rights regarding these payments (e.g., it it is determined there is no is wrong, or it you need more information about a transaction on your valid dispute or if any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.0. Box 15299 may accept the check and you will sell owe any remaining balance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept any such payment by returning it to you, not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it. All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sent to the regular Payments address shown on this statement. preserve your rights. In your letter, give us the following information. Annual Renewal Notice: If your account has an annual fee, it will be • Your name and account number billed each yearor in monthly installments, whetherornot you use your • The dollar amount of the suspected error account. and you agree to pay it vvhen billed. The annual fee is non• • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. If you need more information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. fee is charged and at the same time, you pay your outstanding balance You do not have to pay any amount in question while we are in full. Your payment of the annual fee does not affect our rights to investigating, but you are still obligated to pay the parts of your bill close your account and to limit your right to make transactions on that are not in question. While we investigate your question, we your account. 11 your account is closed by you or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual fee until you pay your outstanding balance in full you question. If you have authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking account, you can stop the Explanation of Finance Charges: We calculate periodicfinancecbarges, payment on any amount you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Service telephone for each feature (e.g.,balance transfer/convenience checks and cash number shown on this statement) must reach us at leastthree business advance checks ("check transaction"), purchases, balance transfers. days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Special Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality oT goods or services that you purchased with a credit card periodic rates. If there is a "V" next to a periodic rate on this statement, (excluding purchases made with a check). and you have tried in good that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goods or services. You have this Agreement. as amended. There is a minimum finance charge in any protection only when the purchase price was more than $50 and the killing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or within 100 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or if we mailed you the advertisement for the properly Agreement, as amended. or services. MA111408 ' _ , _ T Payment Due Date New Balance Past Due Amount Minimum Payment olnsno $11,fios.zs $aso.oo $ss7.oo Account number: 4147 2020 3623 9950 • Make your check payable to: Chase Card Services. Please write amount encbsed. New address or a-mail? Print on back. 414720203623995000069700011809260DOOOOOODOOOOD4 72603 BEX Z 35809 D III 111 111111111111111111111) 111111 111(111111111111111111111111 JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 LIJIIIIIIILIIIIIIIIIJIIIILIIIIIIIIIIIIIIIIIIL11111111111 t: 5000 i60 28t: 3 59 20 36 2 399 50 211' CHASEFREEDOM~" Statement Date: 11/25!09 - 12/24/09 ~ Manage your account online: www. ch ase. com/credilcards Minimum Payment: $697.00 Payment Due Date: 01118/10 Additional contact information Minimum Payment Due for Credit Access Line $237.00 conveniently lowfed on reverse side Past Due Amount $460.00 Total Minimum Payment Due $697.00 ACCOUNT SUMMARY Account Number: 4147 2020 3823 9950 Previous Balance $11,576.03 Credit Access Line $13,300 Purchases, Cash, Debits +$39.00 Available Credit $1,490 Finance Charges +$194.23 Cash Access Line $2,660 New Balance $11,809.26 Available for Cash $0 Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030 (collect 1-302-594-6200) today. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance $120.46 Rewards earned on purchases $0.00 Bonus rewards from Ultimate Rewards Travel $0.00 Bonus rewards earned at Ultimate Rewards Mall $0.00 Rewards unavailable for redemption $120.46 Curent rewards balance $0.00 Your Chase Freedom credit card allows you to eam Unlimited Cash Back Rewards with No Expiration! You earn a full 1 % cash back on ALL of your purchases with ongoing opportunities to eam even more! Eam up to an adddional 10 % cash back when you shop online through the Ultimate Rewards Mall. You can redeem your Cash Back Rewards for cash, gift cards, travel or merchandise. To redeem, go online at www.chase.comlultimaterewards or call us at (800) 610-5676. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description Amount 12/20 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Coresp. Average Daily Due To fee / Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .05545% 20.24% $10,474.50 $174.24 $0.00 $0.00 $174.24 Cash advances V .05545% 20.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .05545% 20.24% $1,201.56 $19.99 $0.00 $0.00 $19.99 Total finance charges $194.23 Effective Annual Percentage Rate (APR): 20.24 Please see Information About Your Account section for balance computatlon 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 OOOOOOt FIS33338 D 8 000 N Z 24 09!12/24 Page t o/1 05666 MA MA 726D3 35810000060007260301 0422 Address Change Request Please provide information below only if the address information on front is incorrect. SlreetAddress: ~ I I City: I State: Zip: Home Phone: Work Phone: E-mail Address: To contact us regarding your account: _ By Telephone: ' f~ ® In U.S. 1-800-945-2000 i~ Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: i~ TDD 1-800-955-8060 Pay by phonel-800-436-7958 P.O. Box 15298 P.O. Box 15153 www.chase.comlcreditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 ; 1-302-594-6200 Information About Your Account To get the daily balance for each day of the current billing cycle, Crediting of Payments: For payments by regular U.S mail, send at we take the beginning balance for each feature, add any new fi least your minimum payment due to our Payments address shown transactiens or other debits (including tees, unpaid finance charges on this statement. Your payments by mail must comply with the and other charges), subtract any payments or credits, and make other ~ instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account. U.S. financial institution or the U.S. branch of a foreign financial or a later date of our choice (except that check transactions are added institution. Do not send cash. Write your arxount number on your as of the date deposited by the payee ore later date of our choice). Fees check or money order. Paymems must be accompanied by the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible pasted to your account, or the last day of [he billing cycle. This gives through the envelope window; the envelope cannot comain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. If a daily periodic rate applies to any feature. we multiply the daily or correspondence included with your payment. It your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p m. local time at our balance to get the beginning balance for the next day. (If more than one Payments address on this statement, we will credit the payment to dairy periodic rate could apply based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily periodic rate that applies for the average daily balance our payment instructions, but is made available to us after 1:00 p.m amount at the end of the billing cycle to calculate the daily periodic local tinge at our Payments address on this statement, we will credit it finance charge each day.) to your account as of the next day. If you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or if your payment is not sent by regular U.S. (nail to daily periodic rate(s) applies, we add all of the daily periodic finance our Paymems address, crediting of your payment may be delayed for charges for all features. To determine an average dairy balance, we up to 5 days. Payments made electronically through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). If you multipty the average daily balance for subject to arty processing times disclosed for those payments. each feature by the applicable daily periodic rate, and then multiply Account Inlormetion RepoAed to Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments. cycle(s), and then add all of the results together, the total will also missed payments or other defaults on your account maybe reflected in equal the periodic finance charges for the billing cycle: except for your credit report, If you think we have reported inaccurate information minor variations due to rounding. To get your total periodic finance to a credit bureau, you may write to us at the Inquiries address shown charge far a killing cycle when a monthly periodic rate(s) applies, on this statement. multiply the average daily balance for each feature by the applicable Notice About Electronic Check Conversion: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle, except for minor a one-time elemronic fund transfer from your account or to process variations due to rounding, the payment as a check transaction. When we use information Grace Period (at least 20 days): We accrue periodic finance charges from your check to make an electronic fund transfer, funds may be on a hansaction, tee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment, and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement if you billed during a billing cycle if we receive both payment of your New have questions about electronic check collection or do not vaant your Balance on your current statement by the date and time your payment payimems collected electronically. is due and also payment of your New Balance on your previous Conditional Payments: Any payment check or other form of payment statement by the date and time your payment was due. There is no that you send us far less than the full balance due that is marked "paid grace period for balance transfers, cash advances, check transactions, in full" or contains a similar notation, or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P.0. Box 15049, Wilmington, DE 19850-5049. We reserve all our In Case of Errors or Questions About Your Bill: If you think your bill rights regarding these payments (e.g., it it is determined there is no is wrong, ar it you need more information about a transaction an your valid dispute or if any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.0 Box 15299 may accept the check and you will still owe any remaining balance). Wilmington, DE 19850.5299 as soon as possible. We must hear from We may refuse to accept arty such payment by returning it to you. not you no later than 6D days after we sent you the first bill on which the cashing it or destroying it. All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sent to the regular Payments address shown on this statement preserve your rights. In your letter, give us the following information. Annual Renewal Notice: If your account has an annual Fee. it will be • Your name and account number billed each yearor in monthly installments, whether ornot you use your • The dollar amount of the suspected error account and you agree to pay it when billed. The annual fee is non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us that you wish to close your account an error. If you need more information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. tee is charged and at the same time, you pay your outstanding balance You do not have [o pay any amount in question while we are in full. Your payment of the annual fee does not affect cur rights to investigating, but you are still obligated to pay the parts of your bill close your account and to limit your right to make transactions on that are not in question. While we investigate your question, we your account. If your account is closed by you or us, we will continue cannot report you as delinquem or take action to collect the amount to charge the annual fee until you pay your outstanding balance in full you question. If you have authorized us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking account, you can stop the Explanatfonof FinanceCharges: Wecalculate periodic finance charges, payment on arty amoum you think is wrong. To stop the payment, your using the applicable periodic rates shown on this statement, separately letter or call (using the Inquiries address or Customer Service telephone for each feature (e.g.,balance transfer/convenience checks and cash number shown on this statement) must reach us at leastthree business advance checks ("check transaction"), purchases, balance transfers, days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Spacial Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a "V" next to a periodic rate on this statement. (excluding purchases made with a check). and you have tried in good that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may no[ have to rate and its corresponding APR are described in your Cardmember paythe remaining amount due on the goods or services. You have this Agreement, as amended. There is a minimum finance charge in any protection onry when the purchase price was more than $5D and the billing cycle in which you owe any periodic finance charges, and a purchase was made in your home state or within 100 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or if we mailed you the advertisement for the property Agreement.. as amended. or services. M111114na l Payment Due Date New Balance Past Due Amount Minimum Payment 02!18110 $12,073.53 $697.00 $963.00 Account number: 4147 2020 3623 9950 Make your check payable to: Chase Card Services. Please write amount encbsed. New address or a-mail? Print on back. 41472020362399500009630001207353000000000000004 19578 BEXZ02410D 111 lli it ill 11111 1111! ll 111 1111! it liillllllllll ll 111 lll~llillll JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 IIIJIIrIrIIl,rrrrr11rr1111111rIl1rrlrldLlrrLdrrr111,11111 1:5000 L60 281: 359 2036 239950 211• CHASEFREEDOMw Statement Date: 12125!09 - 01!24/10 Manage your account online: www. chase. corn/creditcards Minimum Payment: $983.00 Payment Due Date: 02/18/10 Additional contact information Minimum Payment Due for Credit Access Line $266.00 conveniently located on reverse side Past Due Amount $697.00 Total Minimum Payment Due $963.00 ACCOUNT SUMMARY Account Number: 4147 2020 3623 9950 Previous Balance $11,809.26 Credit Access Line $12,300 Purchases, Cash, Debits +$39.00 Available Credit $226 Finance Charges +$225.27 Cash Access Line $2,460 New Balance $12,073.53 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. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance $0.00 Rewards earned on purchases $0.00 Bonus rewards from Ultimate Rewards Travel $0.00 Bonus rewards earned at Ultimate Rewards Mall $0.00 Rewards unavailable for redemption $120.46 Curtentrewards balance $0.00 Your Chase Freedom credit card allows you to cam Unlimited Cash Back Rewards with No Expiration! You earn a full 1 % cash back on ALL of your purchases with ongoing opportunities to cam even more! Earn up to an additional 10 % cash back when you shop online through the Ultimate Rewards Mall. Vou can redeem your Cash Back Rewards for cash, gift cards, travel or merchandise. To redeem, go online at www.chase.com/ultimaterewards or call us at (800) 610-5676. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $ Amount 01118 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transaction Oaily Periodic Rate Cortese. Average Daily Due To Fee / Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V .06093% 22.24% $10,703.61 $202.17 $0.00 $0.00 $202.17 Cash advances V .06093 % 22.24% $0.00 $0.00 $0.00 $0.00 $0.00 Convenience check V .06093 % 22.24 % $1,223.06 $23.10 $0.00 $0.00 $23.10 Total finance charges $225.27 Efeecllve Annual Percentage Rate (APR): 22.24 Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges -including Vansadion fees such as cash advance and balance transfer fees -expressed as a percentage. IMPORTANT NEWS Try TurboTax Free Edition Tor your simple return or Get a 35 percent Discount on TurbDTax Online Federal Products. visit chase.cortVtaxes This Statement is a Facsimile -Not an original 0000001 FIS33336 D 6 000 N Z 24 10101/24 Page 1 of 1 OS6B6 MA MA 19578 02410000060001957801 7( 0422 _ _ _ i Address Change Request Please provide information below only if the address information on front is inwmed. Street Address: City: State: Zip: Home Phone. Work Phone: E-mail Address: L To contact us regarding your account: By Takphone: 7 ~jt ~ ® In U.S. i-800-945.2000 CSI as Espanol 1-t188-44Fr330B ~ TDD 1-800-9558060 Send Inquiries to: Mail Payments to: Visit Our Website: i Pay by phones-800-036-7958 P.O. Box 15298 P.O. Box 15153 www.chase.com/creditcards ~ Outside U.S. call tolled Wilmington, DE 79850-5296 Wilmington, DE 19886-5153 ?-302-594-8200 ~ Information About Your Account To get the daily balance for each day of the current killing cycle, Crediting of Paymenk: for payments by regular U.S. mail, send at we take the beginning balance for each feature, add any new least your minimum payment due to our Payments address shown transactions or other debits (including fees, unpaid finance charges g_ on this statement. Your payments by mail must comply with the and other charges), subtract any payments or credits, and make other instructions on this statement, and must be made by check or money adjustments. Transactions are added as of the transaction date, the order, payable in U.S. Dollars, and drawn on or payable through a beginning of the billing cycle in which they are posted to your account, U. S. financial institution or the U.S. branch of a foreign financial or a later date of out choice (except that check transactions are added institution. Do not send cash. Write your account number on your as of the date deposited by the payee or a later date of our choice). Fees check or money order. Payments must be atxompanied by the are added either on the date of a related transaction, the date they are payment coupon in the envelope provided with our address visible pasted to your account, or the last day of the billing cycle. This gives through the envelope window; the envelope cannot contain more than us that day's daily balance. A credit balance is treated as a balance of one payment or coupon; and there can be no staples, paper clips, tape zero. If a daily periodic rate applies to any feature, we multiply the daily or correspondence included with your payment. If your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day. We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p. m. local time at our balance [o get the beginning balance for the neM day. (It more than one Payments address on this statement. we will credit the payment to daily periodic rate could apply based on the average daily balance, we your account as of that day. If your payment is in accordance with will use the daily p¢riOdiC rat¢ that applies fOrthe average daily balance our payment insVucticns, but is made available to us after 1:00 p.m. amount at the end of the billing cycle to calculate the daily periodic local time at our Payments address on this statement, we will credit it finance charge each day.) to your account as of the next day. If you do not follow our payment To get your total periodic finance charge for a billing cycle when a instructions or if your payment is not sent by regular U.S. (nail to daily pedodic rate(s) applies, we add all of the daily periodic finance our Payments address, crediting of your payment may be delayed for charges for all features. To determine an average daily balance, we up to 5 days. Payments made electronically through our automated add your daily balances and divide by the number of the days in the telephone service, Customer Service advisors, or our web site will be applicable billing cycle(s). If you multiply the average daily balance for subject to any processing times disclosed for those payments. each feature by the applicable daily periodic rate, and then multiply Accoum Information Reported Io Credit Bureaus: We may report each of these results by the number of days in the applicable billing information about your account to credit bureaus. Late payments, cycle(s), and then add all of the results together, the total will also missed payments or other defaults on your account may be reflected in equal the periodic finance charges for the billing cycle, except for your credit report. It you think we have reported inaccurate information minor variations due to rounding. To get your total periodic finance to a credit bureau, you may write to us at the Inquiries address shown charge far a billing cycle when a monthly periodic rate(s) applies, on this statement. multipy the average daily balance for each feature by the applicable Rotice About Electronic Check Conyersian: When you pay by check, monthly periodic rate and add the results together. The total will equal you authorize us either to use information from your check to make the periodic finance charges for the billing cycle, except for minor a one-time electronic fund transfer from your account or to process variations due to rounding. the payment as a check transaction. When we use information Grace Period (at least 2D days): We accrue periodic finance charges from your check to make an electronic fund transfer, funds may be on a transaction, fee, or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance umil payment in full is received on your account. payment. and you will not receive your check back from your financial However, we do not charge periodic finance charges on new purchases institution. Call the Customer Service number on this statement it you billed during a billing cycle if we receive bath payment of your New have questions about electronic check collection or do not want your Balance on your current statement by the date and time your payment payments collected electronically, is due and also payment of your New Balance on your previous Condrtianal PaymeMS: Arry payment check or other form of payment statement by the date and time your payment was due. There is no that you send us for less than the full balance due that is marked "paid grace period for balance transfers, cash advances; check transactions, in full" or contains a similar notation, or that you otherwise tender in or overdraft advances. full satisfaction of a disputed amount, must be sent to Card Services, BILLING RIGHTS SUMMARY P 0 Box 15049, Wilmington, DE 19850-5049. We reserve all our In Case of Errors or Questions About Your Bill: If you think your hill rights regarding these payments (e.g., if it is determined there is no is wrong, or if you need more information about a transaction an your valid dispute or if any such check is received at any other address, we bill, write Customer Service on a separate sheet at P.0 Box 15299 may accept the check and you will still owe any remaining balance). Wilmington, DE 19850-5299 as soon as possible. We must hear from We may refuse to accept any such payment by returning it to you, not you no later than 60 days after we sent you the first bill on which the cashing it or destroying ~t. All other payments that you make should be error or problem appeared. You can telephone us, but doing so will not sent to the regular Payments address shown on this statement preserve your rights. In your letter, give us the following information. Annual Renewal Hotice: If your account has an annual fee, it will be • Your name and account number billed each year or in monthly installments, whether or not you use your • The dollar amount of the suspected error account. and you agree to pay it when trilled. The annual fee is non- • Describe the error and explain, if you can, why you believe there is refundable unless you notify us [hat you wish to close your account an error. It you need mare information, describe the item you are within 30 days of the date we mail your statement on which the annual unsure about. tee is charged and at the same time, you pay your outstanding balance You do not have to pay any amount in question while we are in full. Your payment of the annual fee does not affect our rights to investigating, but you are still obligated to pay the parts of your bill close your account and to limit your right to make transactions on that are not in question. While we investigate your question, we your account. If your account is closed by you or us, we will continue cannot report you as delinquent or take action to collect the amount to charge the annual fee until you pay your outstanding balance in full you question. If you have authorized us to pay your credit rard bill and terminate your account relationship. automatically from your savings or checking account, you can stop the Explanation afFinance Charges: We calculate periodictinance charges, payment on arty amount you think is wrong. To stop the payment, your using the applicable periodic rates shown On this statement, separately letter or call (using the Inquiries address or Customer Service telephone for each feature (e.g.,balance transferlconvenience checks and cash number shown on this statement) must reach us at least three business advance checks ("check transaction"), purchases, balance transfers, days before the automatic payment is scheduled to occur. cash advances, promotional balances or overdraft advances). These Special Rule for Credit Card Purchases: If you have a problem with calculations may combine different categories with the same daily the quality of goods or services that you purchased with a credit card periodic rates. If there is a "V" next to a periodic rate on this statement, (excluding purchases made with a check), and you have tried in good that rate may vary, and the index and margin used to determine that faith to correct the problem with the merchant, you may not have to rate and its corresponding APR are described in your Cardmember pay the remaining amount due on the goods or services. You have this Agreement, as amended. There is a minimum finance charge in any protection Doty when the purchase price was more than S50 and the killing cycle in which you owe any periodic finance charges. and a purchase was made in your home state or within 100 miles of your transaction finance charge for each balance transfer, cash advance, mailing address. These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant, or if we mailed you [he advertisement for the property Agreement. as amended. or services. rant a aoa ~ _ I Payment Due Date New Balance Past Due Amount Minimum Payment 03!21/10 $12,342.84 $963.00 $1,397.84 Account number: 4147 2020 3623 9950 . Make your check payable to: Chaae Card Services. Please write amount encbsed. New address or a-mail? Print on back. i 41472020362399500013978401234284000000000000007 48548 BEX Z 05510 D l 11111 1 1 11111111 11111111 I I I 11)111111111111111 / 1 1 1 1 1 1 1111 111111 JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19686-5153 IIr111111JII11rr11111111111Ur111rrrJ11L111LJllllllllrlll 1:5000 L60 281: 359 2036 239950 211a CHASEFREEDOM~' Mana a our account online: 9 Y Additional contact information www_chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4147 2020 3623 9950 New Balance $12,342.84 Previous Balance $12,073.53 Payment Due Date 03!21/10 Fees Charged +$39 ~ Minimum Payment Due $392.00 Interest Charged +$230.31 Balance Over Credit Access Line $42.84 Past Due Amount $963.00 New Balance $12,342.84 Total Minimum Payment Due $1,397.64 Opening/Closing Date 01!25/10 - 02/24/10 Late Payment Warning: If we do not receive your minimum Credit Access Line $12,300 Payment by the date listed above, you may have to pay up to a $39.00 fate fee and your APRs will be subject to increase to a Available Credit $0 maximum Penalty APR of 29.99%. Cash Access Line $2,460 Minimum Payment blaming: If you make only the minimum Available for Cash $0 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 35 years $34,823 payment $474 3 years $17,071 (Savings=$17,752) If you would like information about credit counseling services, call 1-866-797-2885. You havenY made the required payments and your credit card account is 90 days past due. As a result, your credit bureau may be updated with a negative rating. Please send your payment immediately or call us at 1-800-955-8030 (collect 1-302-594-8200) today. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance $0.00 Rewards eamed on purchases $0.00 Bonus rewards from Ultimate Rewards Travel $0.00 Bonus rewards eamed at Ultimate Rewards Mall $0.00 Rewards unavailable for redemption $120.46 Current rewards balance $0.00 Your Chase Freedom credit card allows you to cam Unlimited Cash Back Rewards with Nc Expiration! You earn a full 1 % cash bade on ALL of your purchases with ongoing opportunities to cam even more! Earn up to an additional 10 % cash back when you shop online through the Ultimate Rewards Mall. You can redeem your Cash Back Rewards for cash, grft cards, travel or merchandise. To redeem, go online at www.chase.com/ultimaterewards or call us at (800) 610-5676. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $ Amount FEES CHARGED 02/18 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD $39.00 INTEREST Ci1ARGED 02/24 PURCHASE INTEREST CHARGE 206.77 02124 BALANCE TRANSFER INTEREST CHARGE 23.54 TOTAL INTEREST FOR THIS PERIOD $230.31 This Statement is a Facsimile -Not an original 0000001 FI533338 D 5 000 N Z 24 10/02124 Page 1 ot2 05686 MA MA 48548 OSSt00D005000485480i 04221NS14496 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ary State: Zip. Home Phone: Work Phone: E-mail Address: L To contact us regarding your account: _ ® By Telephone: ' i~ ~ In U.S. 1-800-945-2000 "Cj s Espanol 1-888446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TDD 1-800-955-8060 Pay by phone/-800436-7958 P.O. Box 15298 P.O. Box 15153 vvww.chase.comfaeditcards ~ Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 ~ Inbrmalbn About Yourlluount the same Derbac rates. Variable rates will vary wkh the nurket based on the Prime Aale ~ Credllln of tar You ma make a menu for such index described in your Accomt Agreement). There is a minimum interest charge q PayM y p y by any of the optbns Iktetl bebw. The of $1. W (or such amount described in your Aceount Agreemam) in any billing cycle in a~ amount of your payment should be at least your minimum Dayment due, payable in U.S. which you eve any periodic interest charges. andatansaction fee foreach baknce transfer, ~ ddkrs ant dawn or payable through a U.S. firencial insmution or the U.S. branch of a gash advance, or cheek tansacDOn, in tM amounts 5tatetl in your Account Agreement, as it forego financal institution. may be amended. TMre k atoraign iratsactbn fee of 396 of the 115. dollar amount of any You may make payments by regular U.S. mail. Send your payment to the Paylmnts address forego transaMbn (or such amount described in your Account Agreement}. sham on this statemetn. Your payments by mail must comON wkh the instructbns on this Aow to Avoid Paying Interest on Purchases: We begin assessing periodb interest charges statement. Oo not send cash. Write your Account number on your checN or moo?y order pn a transacibn, tee, or interest chargefrom the date k is added to your defy balance omit Payments must ce accompanied by the payment coupon in the envelope provided with your Account k Daid in full as rlescribetl n your Account Agreement. Your due date will our address msible through Me envelope window: the envebpe cannot contain mare than De a minimum of 21 days following the close of each billbg cycle. You can avoid periodic one payment or coupo¢. and (here can be no stables, paper clips, tape pr wrrespondence interest charges on raw Durchases when they are first billed [o a statement as described indWetlwkh your payment. If your payment kinaccoNanrx wkh our payment instructions bebw,bnt this doesnM apply to balancetraazfers,~xsh advances or overdraft advances.lf and Is made avaikhk M us on arty day by S:OD D.m. beat time at our Payments address on you receive a current monthly statement that inebdes now Durchases ant make a Dayment this Makment, we wit credA the payment to your Account as of that day. If your Dayment that we receive by the date and timethe Minimum Payment is due (or tfgt statement, we will -s in accordance with our payment irsirwtions, but k made avaikbk to us after S:OD D.m. oat charge Derbda interest on any ponion of tlrose new Durchases that we allocate such local time at the Payments address on this statement, we will credit k to your Account as payment to, so bog as 1) your current statement also shows That we received Dayment of of the next calendar day the ending balance for your prevars month's statement by the date and time its Minimum You may make payments ekcironkzlythrough ourwebsite shown on this statement. If we Payment was due OR 2) that tfa ending balance for your Orevious month's statement receive your completed request on pun wehske by 5 D.m. Eastern Time. we will credit your was zero. If you have a balance other than a Durohase balance and that balance monies a payment as of that day. If we receive your request afkr 5 D.m. Eastern Time, we will credd hgfer perforce interest rate, you may nM be able [o avoid periodic interest charges on new your wyment as d the next calendar day. If ypu specify a future data b yam request we Durchases k you do rim pay your DalarKx in full each month, because we generally alocate vril credk your payment az of that day payments first Iq the balance moth the Nghesl periodic interest rate. Far all other wyments or for any payment type above for which you do tat follow our What To Oa II You Think Yea Flad A Mbtate On Your SlatemeAl payment instructions, crediting of yom payments maybe delayed for uD to 5 days. If you think there is an error on your statement; wrke to us on a separate sheet at Customer AuouM InformtlloA RepMd b Credll Bareeus: We may repon informatbn about your Sarvae, P.0. Box 15299 Wilmington, DE 198505299. Account to credit bureaus. Late Daymerks. mksed payments pr other defaulCS pn your in your letter, give is the following inlormatioo. Account may be reflected in your credk report. If you think we have reppned inaxuate intormation to a credit bureau, you may wrke to us at the Inquiries address sMwn on this •Acepunt information: Your name and Account number statement. • Dollar artaunr. The tlolkr amount of the suspected error. Xollp ADOat Ebdroab Cbxkramarebk: When yal Day by check, ypuamfarize useaher , Desedgbn of Probbmaf you think mere is an erroronyour bill. describe woof you to use intprmation from your check to make aone-time eledronb fund transfer from your believe is wrong and why you belkve k is a mistake. account onto process the payment asa check tarsactbn. When we use iMOmtatanirom your check to make an eledronblund tansle[funds may be wkhtlrawn from youraaount Ypu must contact uswkhin 60 days after the error appeared on yourstatement. as soon as the same day we receive your payment, and you will rat receive your check back item your financial ireatmion. Call the Customer Service number on this statement k you You must notity us of any potential errors in carding. You may call us, but k you do we have questions aboN ekctronk check collection or do rat want your payments rolleded are rot required to investigate airy potential errors and you may have to pay the amount eledronirally. in question. Condlllorrel Payarane: Any payment check or Mher form d Dayment that ypu nerd us for While we investigate whether or not there has been an error, the tollowing are true' less than the full Dakota due that is marked "paid in toll' or contains a similar notatbn, or We cannot try to rolled the amount in question, or repon you as delinquent on that that you otherwise tendm in hd setkfaction of a dkpmetl amount, must be sent io Card amount. Servkes, P.0. Box 15049, WilrMrgton, DE 19850-5049. We reserve all our rights regarding these payments (e.q., d k is determined there is no oath d'sDUte a If any such cheek is • The charge in question may remain on your statement and we may continue to received al anyother address, we may accept the checK and you will still owe any remaining charge you interest on that amount But. it we determine that we made a mistake, balance). We may refuse to accept arty such payment by reWrning it to you, not cashing it you will not have b Day the amount in questbn or any interest or other tees relate[ or destroying it. All other payments ifat you make shpuld De sent fo IM regular Payment tp that amount. address shavn on this statement. While you do not have to pay the amount in questbn, you are responsible for the Annual Remarel Notlee: If your Account Agreement has an annual membership fee antlr remaiMer of your balance. or similar charge for ksuance or avaiability M your account, it will be billed each year or . We can apply any unpaid amount against your credit limit. monthly or quarterly installments TMs tee andor charge are owed whether or not you use your Account, arc/ you agree to pay them when billed. The annual tee and charge are Your RIgMe If You Are OlwNalbtl Wllh Yom Credit Cent Puroheaea non-refundable unless you nMity us ihnt you wkh to cbse your account within 30 days or one baling cycle (whkftever is less) aRerwe provide the statement on whkh the annual nee If you are tlksatisfled with the goods or services that you have purchased with your credit or charge is billed and at the same time, you pay your outstanding balance in full. If you ao card. and you have tried in good fakh tp correct the problem whh the merchant, you may this. fora charge Mikd more open than annualty such asamonthly service charge; you will have the right not to pay the remaining anwunt due on the purchase, not owe the last Dilkd charge; however, Drbr billed charges are ramretuntlable and must To ucethk right, all of the lollpwing must he true: be Daitl as pan of paying yom outstaMing baknce in full. Your Dayment of the annual tee or charge does not aXect our dgMs to cbse your Account ant [o limit your right to maW. i. The purchase must have Deen made in your home Mate or wthin 100 miles of tansactions on your Account. If your Acepunt is dosed by you or us, we moil continue to your current mailing address, and the purchase price must have been more than impose the annual tee and/or charge until ypu pay your outstanding baknce in lull and $50. (Note: Nekher of these are necessary it your purchase was based pn an terminate your Account relatbnsMD. adveNsement we mailed b you, or if w+, own the company that sold you the goods fAlcalallon of Balmy Sub sd b IrrMnat Rate: To f ore our or services.} ( ig y peratlb interest charges far each bdlirg cycle wtnn a daffy perbdc ratelsl apDiies, we use the daffy balance method 2. You must have used your cretlh card for the purcf~ase. Purchases made with cash (Including current transactions). To igme your pedodb Interest charges for each billing advances from an ATM or with a check That accesses ypur credk card Account tlo cycle when a monthly perbtlic ratefs) apDpes, we use the average daffy balance method nM qualky (including current tansadipns). trot an explana['an of either method; or questions abom a Dartaukr interest charge calculatbn on your statement, please call us al the tall tree 3. You must not yd have fully pant for the Durcfase. customer servic?phone number listed above. 11 all d the criteria above are met and you are slkl dissatislietl wkh the purchase, contact us We calculate inwnking at Customer Service. P0. Box 15299 Wilmington. DE 19810-5299: perbtlic interest charges, using the apDlicabk periodic rates slavm on this statemem, seDaately for each feature (e.g., balance transfer checks and cash advance While we investgate, the sameruksaDPNtpthe dkvmetl amount as discussed above.After checks ("check haazactan"(. purchases, baknce translers, cash advaraes. Droinotional we tinkh our invesligatbn, we will tell you our decision. At that point. A •.ve think you awe balances or nverdatt advances). These calcuktions may combine drfferent categories wkh an amount and y»u do not pay we may report you as delinquent. MA1202009 _ i Statement Date: 01/25/10 - 02/24!10 Account Number: 4147 2020 3623 9950 Page 2 of 2 X18 Teals Year-taDate Total fees charged in 2010 $39.00 Total interest charged in 2010 $230.31 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 Daysln Cycle Interest Rate Charges Charges Purchases 22.24 % (v) $10,947.00 $206.77 $0.00 Cash Advances 22.24 % (v) $0.00 $0.00 $0.00 Balance transfer 22.24 % (v) $1,246.37 $23.54 $0.00 (v) =Variable Rate 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 ~ 5 000 N Z 24 10/02/24 Page 2 of 2 05606 Mh MA 48548 05510000050004854802 T _ _ ~ Payment Due Date New Balance Past Due Amount Minimum Payment 04/21N0 $12,594.26 $1,355.00 $2,026.26 Account number: 4147 2020 3623 9950 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or a-mail? Print on back. 41472D2036239950D02D262601259426DODDDDOD000OD06 04439 aEXZ OB310D III Ili It 111111111111111111111111111111 /1111111111Illrlllllllll JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE I CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 1111111111III111111111111111111111111J11111111111111111111111 1:5000 L60 281: 359 2036 239950 211' CHASEFREEDOM~` Manageyouraceountonline: pdtlitionaleontaetinformation www.chase.com/creditcards wnveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Numbar: 4147 2020 3623 9950 New Balance $12,594.26 Previous Balance $12342 84 Payment Due Date 04121!10 Fees Charged +$39.00 Minimum Payment Due $377.00 Balance Over Credit Access Line $294.26 Interest Charged +$212.42 past Due Amount $1,355.00 New Balance $12,594.26 Total Minimum Payment Due $2,026.26 Opening/Closing Date 02/25f 10 - 03/24/10 Late Payment Warning: Ii we do not receive your minimum Credit Access Line $12,300 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 Available Credit $0 maximum Penalty APR of 29.99 % . Cash Access Line $2,460 Minimum Payment Warning: If you make only the minimum Available for Cash $0 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 oft the And you will end up additional charges balance shown on paying an estimated using this card and this statement in total ot... each month you about... pay... Only the minimum 35 years $35,563 payment $484 3 years $17,419 (Savings=$18,144) 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 aedi[ card account. We have a variety of payment options that may be right for you. Call 1-888-792-7547 (collect 1-302-594-8200) today. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards halance $0.00 Rewards earned on purchases $0.00 Bonus rewards from Ultimate Rewards Travel $0.00 Bonus rewards earned at Ultimate Rewards Mall $0.00 Rewards forteited this period $120.46 Curtent rewards balance $0.00 Your Chase Freedom credit card allows you to earn Unlimited Cash Back Rewards with No Expiration! You earn a full 1 % cash back on ALL of your purchases with ongoing opportunities [o earn even more! Earn up to an additional 10% cash back when you shop online through the Ultimate Rewards Mall. You can redeem your Cash Back Rewards for cash, gift cards, travel or merchandise. To redeem, go online at www.chase.com/ultimaterewards or call us at (800) 610-5676. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $ Amount FEESCfiAHGED 03/21 LATE FEE 35..00 TOTAL FEES FOR THIS PERIOD $39.00 INTEREST CHARGED 03!'24 RURCHASE VNTEREST CHARGE .10 03/24 PURCHASE INTEREST CHARGE 190.67 03(24 BALANCE TRANSFER INTEREST CHARGE 21.65 TOTAL INTEREST FOR THIS PERIOD $212.42 This Statement is a Facsimile -Not an original 0000001 FIS33336 D 10 000 N Z 24 10/03!24 Page 1 oft 05686 MA MA 04439 08310000100000443901 D422 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ~ I Ciry ll State: Zip. Home Phone: Work Phone: E-mail Address: L To contact us regarding your account: _ By Telephone: ' ~ ~ In U.S. 1-800-945-2000 Espanol 1-888-446-3308 Send Inquiries t0: Mail Payments to: Visit Our Website: ~ TDD 1-800-955-8060 Pay by phonel-800-436-7958 P.O. Box 15298 P.O. Box 15153 www.chase.com/creditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 ~ 1-302-594-8200 Ireomalian Aaoet Your ACmunl the same perbtlic roles. Variable ales will vary wah the market based on the Prime Rate (orsroh index described in your Acwgnt Agreement). There b a minimum interest charge = Crodlllnq of Peyntetm: You may make Daymens by arty d the oDtbre Ifstetl below. The qt S1 Sg (w such amount described in your Account Agreement) in any billing cycle in amoum of your payment sfmuld beat least your minimum payment due, payable in U.S. which you owe any Dedodb interest charges, and a trensaction fee forwch halance transfer. ~ dollers aid drawn pr payable through a U.S. financal InstiMion or the U.S. branch M a Dash advaroe, or checktansaction, in the amouras sWed in your Account Agreement, as it forego financial bstitutbn. may be amended. Tfare is a foreign traraactbn fee of 3e: of the U.S. dollar amount of any You may make payments by regular U.S. mail. Sent your paymentta 1M Payments address foreign iransaMbn (or such amount described in your Account Agreement). shown on this statement Your DaymeMS by mad must comply wah the inslrudbrrs on this How to Avoid Paying Interest on Purchases: We begin assessirq periodb interest charges statement. Do not send cash. Write your Account number on your check or money order. on a transacton. tee, or interest charge from the date it is added to your tlaiy balance until Paymerds must be accompanied by the payment coupon in the envelope provided wah your AxouM is paid in full. as described in your AeequM Agreement. Your due data will our address visible through the envelope willow; the enveope cannot contain ogre Ihan be a minimum of 21 days fopowing the cbse of each billing cycle. You can avab perodic ore payrrxmt or uroupoq and there can ba ro staples, Doper cliDS, tape or correspondence imerem charges on raw purchases when they are lirst billed tv a statement as described included wah yourpayment. if your Oaymemsinaccomaroe•adh ourpaymant instructions below, bN this does nor aDDy to balance transfers, cash advances oroverdrad advarxas.lf and is made available to us on arty day by S:OD D.m. bcal time at our Paymems address on you receive a current monthy statemem that incWdes new purchases and make a DaymeM this sbtement, we will credo the Daymem to your Account as of flat day. If your DagmeM that we revive by the dateaMtimetha Minimum Payment is dueforthat statement, we will is in accordaroe wdh our payment instructions, but b made avaihbb Iq us alter 5:00 p,m. not charge periodic imereet on any portion of hose new purchases that we alkxate such Taal time at the Payments address on this statement, we wiD credit A to your Account as payment tq, so bog as 1j your current statement also shows that we received payment of of the rail cakrdar day. the ending balance for your Drevbus month's statemem by the date and time its Minimum Vqu may make payments ebctronCaly through our website shown on this statement. If wa Payment was due OR 21 flat fta endinq balance for your prevbus month's statement raeNe your completed request on our website by 5 D.m. Eastern Tme, we will credk your was zero. If you have a balance other than a Dumhase balance ant that habnce carras a payment as of that day. If we receivs your request aaer 5 p.m. Eastern Time, we wID credN higher gerbille Interest rate, you may rot be ebb to avoid perigdb irterest charges on new your payment as N the ned calendar day It you specify a fNUre data in your reVUest we purchases d you do not Day your halance m full each momh, becausewe generaly allocate will credit your payment as of that day payments first to the balance wkh the highest Deriodb interest ate. For all other payments qr for any paymem type above for which you do not follow our What To Oo If Yau TMnk Yon FNrd A ARstake On Yeur StalemaN payimnl Instructions, crediting of your payments maybe delayed for up to 5 days. If you think there rs an error on your statement, write to us on a separate sheet at Customer Aewunt InlprmNlan Rapded la Credo suraeut: We may report intormatlon aboN your Service, P.0. Box 15299 Wilmington, DE 19050-5299: Account to credit btaeaus. Late payments, missed Daymerds or other defaults on your In your leaer, give rs the tokowing Intormatiom Account may be reflected in your credk report. It you think we have repoded inaecuate irdormation to a credtt bureau, you maywrae to us at the Inquiries address shown on this • Account informatign: Your name and Account number sutement • Dollar amount: The dollar amount of the suspected error. Rona Abont NSelrede Cbxk LOnrersloa: When you Day by check. youaNhor¢e us egher , Descdption of Probbm:lt you think there is an erroron your bill, describe what you to use imormatbn from your check to make cone-time ekctronb turd tansler from your believe is wrong and why you beleve b is a mistake. account Orto process the paymem asa Check trereactbn. When we use intormatanfrom your check tq make an electrons fund tansler, tuMS may ba wahtlrawn from your account You must contact us within 60 days aaerthe error appeared on your statement. as soon as the same day we receive your DaymeM, and you will not receive your check back from your financial insMNion. Call the Customer Service number on th6 statement a you You must nmity us of any potential errors in wraing. Vou may call us, but i you do we have Westions aboN eketronk check collection or do rot want your paymeMS cdlected are not requked to investigate arty potential errors and you may have to pay tla amoum electronically. in question. fAnoltmMl Payreenb: Any payment check or other farm M DayinaM that you sent us for while we investigate whetMr ar not there has been an error, thefolbwing are true. less than the full balance tltx that is martced "Dab in lull" or contains a skniar notation, or . We cannot try to collecttfv: amount in question or report you as delinquent on Ihat that you otherwise tender in fill satisfaction of a diSpNed amount, must be sent to Card amount. Services. P0. Box 15049, Wilmkngbn, DE 1985D-5049. We reserve all our rights regarding these payments (e.g., A A is determined [here rs ro valid dispute or a any such check is • The charge in question may remain qn year statement and uve may continue to receNetl atany other address; we may accegthe check and yquwel stia Owe any remaining charge you interest on that amount.But, it we determine that we madeamMake, halance). We may refuse to accept arty such DaymeM by returning it to you.. not cashing it yqu will not have to paythe amount in questbn or anV interest or other fees relates or destroying it. All other payments that you make shoum be sent to the regular Payment tq that amount. address shown on this statement • While you de not have to Day the amount in questbn. you are responsible for the Moral Removal Rotlp: If your Account Agreement has an annual membership fa anN remainder of your balance. Imibr charge for asmnce or avaga6ibry d your account, it will be killed each year or We can apply any unpaid amount against your credit limit. in monthly or quarterly installmems. This fee anNor charge are owed whether or rat you use your Accoum. and you agree to pay them wMn billed. TM annual fee and charge are Your Rlphb II You Are Oloalbaetl Wlln Your LreMt Lard Purebaaea non-retmdable unless you notify us flat you wish to cbse your aaount •aahin 30 days or tt ou are dissatisfied wdh the Dods or services that ou lave urchasetl with ur credo one baling cycle(wMChever is less)aaer we provide the statement On which the annual fee y g y p yo or charge is baled aril at the same time, you pay your outstanding balance in full. If yqu do card, and you hm~e tried in good leak to correct the Drobkm wdh the merchant, you may this. tgracharge billed more open than annualy such asa nwMhy service charge, you will have the right rotto pay the remaning ainormt due on the purchase. not owe the bst billed charge; Mwerer, Dnor billed charges are rorerelundable and must To use th'a dght all M the following must ce true: be Daid as pad of paying your outstaMing balance in full. Your DaymeM of the annual fee or charge does rot aRect our rigMS to cbse your Account ant to Ilmlt your right tq make 1. The Wrchase mull have been made in your home state or wthin 100 miles M tansactions on your Account. N your Account is cbsed by you or us, we oval roiainue to your current mailing address, and the purchase price must have been more than impose the annual fee and/or charge anvil you Day your oustanding baance in full aril $50. (Note: Nekher of these are necessary if your Durckse was based on an terminate your Account relatbrahip. adverasemeM we mailed to yqu, or if we own the company that sold you the goods or sevices.) Calcalatlon of Belaau Sualeet to Itdaresl Rata: To fgure your perbtlb interest charges for each billing cycle when a daly periodic ale(s) applies, we use ate tlaiy balance method 2. Vou must have used your credo cam for the purchase. Porchases made with cash ;including current transactions). To figure your periodic bterest charges ter each hiding advances from an qTM or whh a check that accesses your credit card Account do cycle when a monmly periods ratels) apDkes, we use the average daly babnce method not qualify ' ncluding curreN transactions). For an explanation of either metfwd, or questions about 3. You must not yet have fully paid for the purchase. a padicukr Interest charge calculation on your statement, please call us at the toll free customer service phone number listed above. If all of the criteria above are inel and you are still tlissatislietl wdh the purchase, convect us We calculate periodic interest charges. using the apDlicabk perbtlic rates shown on this inwriting at Customer Service. P0. Box 15299 Wibninglon; DE 19850-5299: statemem. seDaately for each feature (e.g., babnce transfer checks and cash advance While we investgata, the sameruks appy to the disputed amount asdiscussed above.After checks I"check transaction"), purchases, baance tansfers, cash advances, Dromotbnal we finish our investigation, we will tell you our decision. At that point A we think you eve balances or overdraa aduancesl. These calculations may combine tliaerent categories wits, an arnount and you do not pay ~.ve may report yqu as delinquent. MA1202009 Statement Oate: 02/25/10 - 03!24/10 Account Number: 4147 2020 3623 9950 Page 2 of 2 ?010 T~afs':Xilar~to-Date Total fees charged in 2010 $78.00 i Total interest charged in 2010 $442.73 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. INTEREST CHARGES Vour Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate (APR) SubJecl To Interest Interest Type 28 Days In Cycle Interest Rate Charges Charges Purchases 22.24% (v) $11,175.95 $190.67 $0.00 Purchases 22.24 % (v) $5.57 $0.10 $0.00 Cash Advances 22.24 % (v) $0.00 $0.00 $0.00 Cash Advances 22.24% (v) $0.00 $0.00 $0.00 Balance transfer 22.24% (v) $1,268.96 $21.65 $0.00 (v) =Variable Rate 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 0000001 FI533336 O 70 000 N Z 24 10/D3/24 Page 2 of 2 05686 MA MA 04439 06310000100000443902 II _T ~ Payment Due Date New Balance Pas[ Due Amount Minimum Payment 05@1110 $12,873.72 $1,732.00 $2,713.72 Account number: 4147 2020 3623 9950 • Make your check payable to: Chase Card Services. Please write amount enclosed. New address or a-mail? Print on back. it 414720203623995000271372D12873720000D0000000001 ~ 2t3818EXZ 11410D I1111111i1111111illillllllllllllllillllllllllllillllllllllllll JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 iu rllinliilunnilulllullnllunllllrinlnlnuliuliil 5000 L60 28~: 3 59 20 36 2 399 50 211• CHASEFREEDOM~' ~ Mona ouraceountonline: 9e Y Additional contact information www.chasecomlcredftcards wnvenienlly located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4147 2020 3623 9950 New Balance $12,873.72 Previous Balance $12,594.26 Payment Due Date 05/21110 Fees Charged +$39.00 Minimum Payment Due $408.D0 Balance Over Credit Access Line $573.72 Interest Charged +$240.46 Past Due Amount $1,732.00 New Balance $12,873.72 Total Minimum Payment Due $2,713.72 OpeninglClosing Date 03/25/10 - 04124!10 Late Payment Waming: It we do not receive your minimum Credit Access Line $12,300 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 Available Credit $0 maximum Penalty APR of 29.99 % . Cash Access Line $2,460 Minimum Payment Waming: If you make only the minimum Available for Cash $0 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 oft 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 37 years $39,015 payment $495 3 years $17,817 (Savings=$21,198) 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. CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance $0.00 Rewarcls earned on purchases $0.00 Bonus rewards from Ultimate Rewards Travel $0.00 Bonus rewards earned at Ultimate Rewards Mall $0.00 Cunenl rewards balance $0.00 Your Chase Freedom aedit card allows you to cam Unlimited Cash Back Rewards with No Expiration! You earn a full 1 % cash back on ALL of your purchases with ongoing opportunities to cam even more! Earn up to an addtional 10 % cash back when you shop online through the Ultimate Rewards Mall. You can redeem your Cash Back Rewards for cash, gift cards, travel or merchandise. To redeem, go online at www.chase.comluftimaterewards or call us at (800) 610-5676. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $ Amount FEESCHARGED 04/21 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD $39.00 INT~ftEST CHARGED 04%23 PURCHASE INTEREST CHARGE 1.14 04123 PURCHASE INTEREST CHARGE 214.92 04!23 BALANCE TRANSFER INTEREST CHARGE 24.40 TOTAL INTEREST FOR THIS PERIOD $240.46 This Statement is a Facsimile -Not an original 0000001 FIS33336 D 7 000 N Z 24 10/04/24 Page 1 012 O56e6 MA MA 21381 11310000070002138tOt D422 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ~ i City: State: Zip: Home Phone: Work Phone: E-mail Address: To contact us regarding your account: ey Telephone: ' ® In U.S. 1-800-945-2000 ~ Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our VJebsite: TDD 1-800-955-8060 Pay by phonet-800-436-7958 P.O. Box 15296 P.O. Box 15153 wwW.chase.comlcreditcards ~ Outside U.S. call cdlect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 ImormMipn Aboat Your ACCOUnI the same parodic rates. Variahb rates will vary WHh the market based on the Prime Hate ~ Cntllting at Poyaunb: You may make Daymems b/ any of the optbns listed bebw. The Lor stch index described inyour Account Agreement), There is a minimum interest charge amount of your payment shodtl k at least your minimum payment due, payaME in U.S. of 31.50 (or such anroum described In your Account Agreement) in any billing cycle in ~ dolbrs and drawn or whichyou owe any periotlk interest charges. and atansalion fee foreach halancetramter. payable lhrougha U.S. financial institNien or the U.S. branch ofa cashatlwnce. orcheek transaction, otheamouMs stated inyour Account Agreement, astt ~ loregn financial inmitutbn. nny De amended. There b atoreign trareactbn fee of 3°~: of the U.3. dollar amount of any You may make payments by regWar U.S. mail. Send your payment to the Payments address forego tmnsambn (or such artrom[ described inyour Account Agreement). shown on this statement. Your payments by mail must compy with the instrumbns on this How to Avoid Paying Interest on Purchases: We begin assessing Dedodk Interest charges statement. Do not serd cash. Write your Account number on your check or money order. on a transactbn. fee, or interest chargefrom 1M date A is added to your dairy balance until Payments must be aaroinpanied by the payment coupon in the envelope provided wdh your Account b paid in full, as described in your Account Agreement. Your due date will our address visible through the envelope window; tfe enveope canrrot conain more Ihan be a minimum of 21 days fohowirp the cbse of each billing cycb. You wn avoid perbtlic one payment or coupon; and there can k m snDles, paper clips, tape or correspondence interest charges on rinv purchases wfen they are first billed t° a statement as described ixludedwoh your paymem. ll your Daymentbin acamancewih ourpayment instructions bebw,bul this dcesnot apDy to balance traimfers, cash advancesor overdraft advances.lf and is made aribbk to us on any day by 5:00 p.m. bcal time at our Payments address on you receive a current monthly statement that includes new pumhases ant make a payment this slatemenl, we will credo the Daymem layout Account as of lint day. If your payment That we raeive by tte date andlimethe Minimum Payment is due tortfnt statartant, we will is in accpNance with our payment iratrwlions, bM b made avaibhb to us aXer 5:00 p.m. oat charge Deriotlk interest on any portion of tlpsa new purchases that we albcate such local time at the Payments address on this statement. we will credit o to your Account as payment to, so lorg as i) your current slatemem also stows that we received payment of of the re><1 calendar day. the ending balance for yotu previous momh's statement by the date and time its Minimum You may make payments ebctronkalythmughourwehsifeshown on this statement. 11we Payment was due OR 2) that the ending balance for your DrevbuS month's statement receve your cemDleted request on our website by 5 D.m. Eastern Time, we west credit your was zero. M yrou have a habrx:e other than a purchase balance ant that babnce cartias a payment a5 of that day II we receive your request after 5 D_m. Eastern Time, we will credit higher perbdiC interest rate, you may not be ebb to avoid periodic imerest charges on new your payment as of the next cabndar day. It you specify a futum date in your request we purchases it you do not pay your halarme in full each month, because we generally albcate will credH your wyment as of that day Daymems first to the balance wih the Mghest perbdk interest rate. For all other payments or for any payment type above for which you do not follow our What To Da 11 You TDlnk You Fmtl A Mbtak On Your Slalemanl payment instructions. crediting of your payments Trey k delayed for W to 5 days If you tMnk there is an error on your statement, write to us on a separate sheet at Customer Account tnformalloR Relgrlad to CmINt SWetus: We may report Information shout your Service, P.0. Box 15299 Wilmington, DE 1 9850-52 99: Account t° credit bureaus. Late Daymems, missed Daymems or other detauos on your In your letter, give iw thefollowing infornntion: Account may be relbcted in your credH report. If you think we have reDarted inaccurate Inormation to a credH bureau, you may mite to us at the Inquiries address sfawn on this • Account information Your name and Account number. statert~ent. • Dollar amount: The dollar amount of the susDemed error. Notlw AbaH HxlnMe Cheek COmeralDe: Wlron you Day by check, youautfgrize us eAher • Descriptbn of Probbm:lf you think there is an error on your hill, describe what you to use informaton tram your check ID make aone-time ebmronk fund transfer from your believe is wrong and why you helkve it is a mistake. account onto process the payment asacheck trareacton. When we use iMOrmatbnfrom your cheek to make an ebctrano fund transfer, fuMS may he withdrawn fromyaur account You must contact us within 60 days after the error appeared on your statement. as soon as the same day we receive your payment, and you west not receive your check back Irom your financial insetlai°n. G71 the Cisiomer Service number on fhb sntement if you You must nmiy us of arty Dotentul errors in wroirg. You may call us, but d you tlo we have Westi°ns about ekctronk checN collection or do not want your payments collected are mt required to investigate any potential errors and you may have to pay the amount electronically. in question. Cpntlllbael Peynanh: Any paymem check or other form of payment that you sent us for Whib vx investigate whether or not there fns been an error, the folbwing are true: less thanthetull balance due thatb marked"Dai/intull"orcontainsasimtlar notation. or •Wecannol tryto collect the amount in question. or report youas dnlirpuent on that tint you otherwise tender in IWI satisfaction of a disDmed amoum, must be sem to Card amoum. Servbes, P.0. Box 15099, Wilmilgon, DE 19850-5049. We reserve all our rights regarding these payments (e.g., H tl is determined then b rro slid dbOMe or if any such check is • The charge in puestlon may remain an your statement. and we may continue to received at any otMr atlMess, we may accept the check and you west still owe any remaininil charge you interest on that amount But, it we tletennine that we made a mistake, balance). We may refuse to accept arty such paymem by returning H to you, ram cashing it you will rapt have to pay the amount in gtxstion or any interest or other fees relates or destroying it. All other payments that you make sfroultl be sent to the regular Payment ro that amount. address shmvn on this statement. • While you do not have to Day the amount in question. you are responsible for the Aamml Retrvel Notka: It your Accoum Agreemem has an annual membership fee and remaiMer of your balance. or similar charge far issuance or avaAabilHy W your account, it will be billed each year or . We can apply any unpaid amount against your credH limit. in monthy or quarterly instalimems This tee anNOr charge are owed whether or not you use your Account, ant you agree t° pay tfem wMn billed. The amual tee ant charge are Your RIpMS II You Are OluaHslbtl WIIh Your Gndll Cant Purchases non-refuMable unbss you notity us that you wish to close your acceunt wtthin 30 days or one baling cycle (wMCMver is less) atterwe provitletM sntemeM on whkh the annual fee If you are dbsatblied with the goorh or services that you have purchased w8h your credit or charge is billed and at the sometime. you pay your outstanding balance intull. If you tlo card, and you have tried in good tahh to correct the problem wkh the merchant, you may this. foracharge billed more often than annually such asamomhy service charge. you will havethe right rat to Day the remaining amount due on the purchase. not owe the last bi3etl charge; Irowever, prior billed charges are non-refundable and must To use thrs right, all of the following must be true: be Daid as Dart of paying your omstanding balance in full. Your payment of the annual tee er charge does trot affect our rgMS to close your Account and to times your right t° make 1. The purchase must have been made in your home slate or within 100 miles of transactions on your Acoount. H your Account is eased Dy you or us, wa will caMinue b your current malkrg address, and the purchase price must have been more than impose the annrel fee antllor charge omit you pay your oulmandirg baance intull ant 550. (Note: Neither of these are necessary if your purchase was based on an terminate your Acrowt rebtonship. advenisement we mailed b you, qr if we ovrn the company That sold you the goads er servbes.) gakulatlen of Belaaee Subieet to Inpnal pate: To fgure your perbtlic interest charges for each bilhrg cycb when a daffy perbdic rate(s) aDDHes, we use the daffy balarce method 2. You must have used your credit card for the purchase. Purchases made with cash (including current transactions). To fgure your Denodk interest charges for each billing advances from an ATM or wtth a check that accesses your credH card Accoum do cycle when a monthly periodic rate(s) aDDNas, we use the averzge daffy balance method not quality. (including current transactions). For an exDlanatbn of either me1Md, or questions abom 3. You must not yet have fully paid for the purchase. a partkular imerest charge calcUation nn your statement Pbase Coil us at the toll fns customer service phone cumber listed above. If all of the criteria shove are met andyou are still dbsaDSiietl whh the purchase. contact us We calculate eriodic imerest char es. usin the a licahle in writing al Customer Service, PO Box 15299 Wilmington; DE 19350.5299. D 9 g DD perbdro rates drown on this statement separately for each feature (e.g., baonce transfer Checks and cash advance Whib we invnstgate, the same rules appy to the dispmed amount as discussed above.Aker checks ('check lransaetbD'), purchases, DDIanCB tnnsters, cash advances. promrotbrel we linish our imestgatbn, we will tell you our tlecison. 0.t that point H we 1hiMC you ovre balances or ovemmN advances). Tfwse cakuntions may cpmblre tliHerent categories with an amount and you do not Day •.ve may report you as delinquent. MA1202009 Statement Date: 03/25/10 - 04/24/10 Account Number: 4147 2020 3623 9950 Page 2 of 2 2410 Totals Y1rar-to-t~at~l Total fees charged in 2010 $117.00 Total interest charged in 2010 $683.19 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 22.24 % (v) $11,378.63 $214.92 $0.00 Purchases 29.99% (v) $44.62 $1.14 $0.00 Cash Advances 22.24% (v) $0.00 $0.00 $0.00 Cash Advances 29.99% (v) $0.00 $0.00 $0.00 Balance transfer 22.24% (v) $1,291.98 $24.40 $0.00 (v) =Variable Rate 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 0000001 FI533338 D 7 000 N Z 24 10/04/24 Page 2 of 2 05686 MA MA 21381 11310000070002138102 r - I Payment Due Date New Balance Past Due Amount Minimum Payment 06/21/10 $13,150.77 $2,140.00 $3,398.77 Account number: 4147 2020 3623 9950 . Make your check payable to: Chase Card Services. Please wdte amount enclosed. New address or a-mail? Prini on back. 414720203623995D003398770131507700000DOODD00002 03963 BEX Z 14410 D l l i l (l l l l l l l l l l l l l I I I I I l l l I 11111111111111111111111111111111111 JACK W WHEATLEY JR 381 N 27TH ST CARDMEMBER SERVICE CAMP HILL PA 17011-3629 PO BOX 15153 WILMINGTON DE 19886-5153 IIr111LrrIllrrrlr111rr11L1111rII1rIrLII11rrL111rr11Lrrlll 5000 L 60 28~: 3 59 20 36 2 399 50 211' CHASEFREEDOM~" Manageyouraeeountonline: Additionaleontactinformation www_chase.com/creditrards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4147 2020 3823 9950 New Balance $13,150.77 Previous Balance $12 873 72 Payment Due Date 06/21/10 Fees Charged +$39.00 Minimum Payment Due $408.00 Balance Over Credit Access Line $850.77 Interest Charged +$238.05 past Due Amount $2,140.00 New Balance $13,150.77 Total Minimum Payment Due $3,398.77 Opening/Closing Date 04/25110 - 05/24/10 Late Payment Waming: If we do no[ receive your minimum Credit Access Line $12,300 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 Available Credit $0 maximum Penalty APR oT 29.99 % . Cash Access Line $2,460 Minimum Payment Waming: If you make only the minimum Available for Cash $0 payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: It 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 37 years $40,187 payment $506 3 years $18,206 (Savings=$21,981) 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 (collectl-302-594-8200). CHASE FREEDOM: ULTIMATE REWARDS SUMMARY Previous rewards balance $0.00 Rewards earned on purchases $0.00 Bonus rewards from Ultimate Rewards Travel $0.00 Bonus rewards earned at Ulkmate Rewards Mall $0.00 Current rewards balance $0.00 Your Chase Freedom credit card allows you to earn Unlimited Cash Back Rewards with No Expiration! You earn a full 1 % cash back on ALL of your purchases with ongoing opportunities to earn even more! Eam up to an additional 10 % cash back when you shop online through the Ultimate Rewards Mall. You pn redeem your Cash Back Rewards for cash, gift cards, travel or merchandise. To redeem, go online at www.chase.com/ultimaterewards or call us at (800) 610-5676. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $ Amount FEES CHARGED 05/21 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD $39.00 tNTERE37CHARGED 05/24 PURCHASE INTEREST CHARGE 2.10 05124 PURCHASE INTEREST CHARGE 211.89 05/24 BALANCE TRANSFER INTEREST CHARGE 24.06 TOTAL INTEREST FOR THIS PERIOD $238.05 This Statement is a Facsimile -Not an original 0000001 FIS33336 D 10 000 N Z 24 10/05/24 Page 1 012 OS66fi MA MA 03963 14410000100000396301 0422 Address Change Request Please provide iMortnation below only if the address information on front is incortect. Street Address: City: State: Zip: Home Phone: Work Phone: E-mail Address: L To contact us regarding your account: By Telephone: ' ~ ® In U.S. 1-800-945-2000 ~ Espanol 1-888-04&3308 Sand Inquiries to: Mail Payments to: Visit Our WebsiM: TDD 1-800-955A060 Pay by phones-800-036-7958 P.O. Box 15298 P.O. Box 15153 vmrw.chase.com/creditcards Outside U.S. call collect Wilmington, DE 19850-5298 Wilmington, DE 19886-5153 1-302-594-8200 Imomallon ADOeI YourAaounl the same pewtlic rates. Varkbk rates will vary wnh the market based on the Prime Pate a~ LnMllnp of PoymeMe: You may make Daymems by arty of the optbre listed bebw. The (orsuch index described in your AccouN Agreement). There k a minimum interest charge of 31. W (a such amoum descrlhetl in your Account Agreement) in any billing cycle in ~ amount of your paymem sfnWd be at least yqur minimum Daymen[due, payable in U.S. which you mve any periodic interest charges,andatransamion fee foreach halancetransfer. ~ dolkrs ant drawn or payable through a U.S. finawkl institNion or the U.S. branch m a forego financial instiDltbn. cash advance, or checktmnsamion, in tM amoums stated in your Account Apreemem, as it inay De amended. There k a foreign transaction tee of 3°~: of the U.S. dollar amount of any You may make payments by regular U S. mail. Send your payment to the Payments address forego transactbn (vr such amount described in your Account Agreetnenry shown on this staement. Your payments by mail must colnpy w8h the inshuetbns on this Haw io Avoid Paying Interest on Purchases We begin assessing periodic interest charges statement. Do not send rash. Write your Account number on your check or money order on a tnnsactbn, fee, or interest charyefrom the date 4 is added to your Oaiy balance until Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the emebpe windwv; the envebpe cannot contain more than Your Account is paid in full. as described in your Accoum Agreement. Your due date will one payment or coupon; and there can ba m slaDles, paper clips, tape or correspondence be a mbimum of 21 days fogoxing the cbse of each billing cycle. You can avoid perbtlb interest dgrges on row purchases when they are first billed to a statement as described ircludedwih your payment. It your paymemainaccomarcewNh ourpaymem instructions bebw, bus this tlcesnot appy to balance harmers, cash advances or overdraft advances.lf and is made avaikbk to us on any day by 5:00 p.m. bras time of our Paymems address on you receive a current mouthy sntemere that indrxks new purchases and make a payment this statement, we will credk the payment to your Accoum as of that day. If your payment tlntwe reraive M the date ant timethe Minimum Payment Is due for that statement, va will in accordance with our payment irsructions, but k made avaipbb to us aXer 5:00 p.m. not charge periotlk interest on any portion of tMSe new purchases that we allocate such Iceal time at the Payments address on this statamem, we will credR N to your Aaoum as payment to, so long as t) your current statement also stows that we received payment of of the neM calendar day. the ending baknce for your prevbus momh's statement by the date and time ifs kAnimum You may make payments ebctronk:aly through our website shown on tMS Statement If we Paymem was due OR 2) that tM ending balance for your Dravbus month's statement receive your completed request on our wehsite by 5 D.m. Eastern Time, we wNl credR your was zero. N you have a balance other than a Wmhase balance and that balance carries a payment as of that day. If'Ne rereive your request aXer 5 p.m. Eastern Time. we will credit hgfnr perbdic interest rate. you may not be able to avoid periodic interest charges on new your payment as of the next calendar day. If you specify a INUre date in yorr request we purchases d you do not pay your balance in full each rttomh, because we generally albcate will credN your payment as of that day Payments first to the balance wdh the highest pmbdk interest rate. For all other payments or for any paymem type above for which you do not foilaw our What To Do II you ThInN Yon Fhtl A Mhreee On Your Stetemem payment instructions, crediting of your payments may he rklayetl for up to5days If yqu thimethere is an error on your statement wrhe to us onaseparate sheet al Customer Aeeounl Inlamellon Reported b CredN BurNUt: We may report intormatbn about your Service, P.0. Box 15299 Wilmington, DE 19850-5299. Account to credR bureaus, Late Daymems, missed paymems or other defauNS on your In your letter, give us the following information. Account may m retbeted in your credd report. If you think we have reDoned inaccurate imormation to a credR bureau, you may wrAe to us at the Irpuiries address shgwn on this • Account information: Your name and Account number statement. • Dollar amount: The dollar amount of the suspected error. Noaa About Hedrome Caeal COmrersba:When you pay by check, youaminrize us ephar .Oeuription of ProDkm. If you think there is an erroron your bill, describe what you to use informalbn from your check to make a ono-[Yne ekmrgnb fund rooster from your believe k wrong and whyyou beleve N is a mistake. account onto process tfe paymem asa check tanaaction. When we use intormatbnfrom your check to make an ekctronbtund lnnsferJurds maycewdhdrawn from your account You must contact us within 60 days afterthe error appeared on yourstatement. as soon as the same tlaY we receive your paymam, and you will rat receive your check back from your finarcial instau[ion. Call the Customer Service number on this statement if you You must notgy us of arty potential errors in carding. You may call us, but N you do we have questions about electronic check collection or tlo not roam your payments collected are rrot required to investigate any potential errors and you may have to pay the amount electronically. in question. Centlltknel Peyelenta: Any payment check or other form of payment that you send us for While we Investigate whether or not there has been an error. thefolbwing are true less than the full balance tlta Ihnf is marked gab in full" or comalns a Similar rgtatbn, or • We cannottry to tolled the amoum in queston. or report you as delinquent on that that you otherwise terrier in tali sataiaction of a d'spu[ed amount, must be sent to Card amount. Servkes. P.0. Box 15049, Wilmington, DE 19850-5049. We reserve all our rights reparUirg these payments (e.g., N R is determined there k no valid dispute or if arty such check is • The charge in questign may remain on your statement and we may continue to received atany otMr address, we may accept the check ant you will slip owe any remaining charge ypu interest on that amount But. if we determine that we made a msake, baknce). We may refuse to accept arty such Wymem by returning it to you, not cashing it you will not have to Gay the amount in queslbn or any interest orolher fees relates or destroying it. All other payments that you make should be sent to the regular Payment to that amount. address shown on this Matemem. • While you do not have to pay the amount in questbn. you are responsible far the Aenual Refrwel Nollp: If your Account Agreement has an annual membership fee andi remaiMer of your balance. or simikr charge for isswnce or availabiNty m your aaoum, b will be billed each year or . We can aDPly any unpaid amount against your credit limit. n monthly or quarterly installments This to andror charge are owed whether or not you use your Accoum, and you ogre to pay them when biled. The armual tae and charge are Tour RINAh II Yoa Are OlareasMe Wlth Your Credll lard Purcaases iron-refundabb unbss you nwtNy us tint you wish to cbse your account within 30 days or one bNlbg cycle (whictnver is less) atterwe provide the statemem on vfibh the annual tae If you are dissalmied with the goods or services that you have purchased with your credit or charge is btlkd and at the same time, you pay your outstanding balance In full. If you do card. ant you have tried in good fahh to correct the Drobkm web the merchant, you may this, Lora charge billed more often than annually such asa mpnthyservke charge, you will have the right rrot to Day the remaining amount due on the purchase. not owe the last billed charge; howeveD prior billed charges are nonrefundable and must Ta usethk right, all otthe follovring must he true: be Daid as Dart of paying your outstanding baknce in full. Your Daymem of the annual tee qr charge does rot aXect our rgMs to cbse your Account and to limit your right to make 1. The purchase must haw: been made in your home state or whhin 10D miles of transactions on your Accoum. If your Aceount is cbsed by you m us, we wNl continue to your current mailing address, and the purchase price must have been more than impose the annual fee and/or charge until you pay your omstanding balance in full and $50. (Note: Nedher of these are necessary if your purchase was based on an terminate yqur Accormt rektbnsMD advertisement we mailed b you, or if we own the company that sold you the goads qr services.) Cakulatlon of Belem Sub(ed to Introit Reb: To figure your perbdic imeresl charges for each billing cycle wfnn a dairy perbdic ratels) applies, we use the dairy balance method 2. You must have used your credh card for the purchase. Purchases made with cash (including current trarisaMions). To figure your Derlodb interest charges for each billing advances from an ATM or with a check that accesses your credo card Accoum do cycle when a momhly perbdic ratels) applies, we use the avenge dairy baknce method not qualify (including currem tnnsadiens). For an explanation of either metMd, or questions about 3. You must nos yet have fatly paid for the purchase. a partbular interest charge calculatbn on your statemem, Dkase call us at the loll Iree wstomer service Onoce number listed above. If all of the criteria above are Inet and you are still dissatisfied with the purchase, contact us We calculate perbdic interest charges, using the aDDlicahk periodic rates shown on this in writing at Customer Service, P0. Box 15299 Wilmington; DE 19850-5249: statemem, separately for each teamre (e.g., baknce transfer checks and cash advance While we investgate, the same rules apply tgthe disputed amount as discussed above. AXer checks i"check tral5actbn"). purchases, baknce transfers, cash advances, Dromotbnal we finish our investipafbn. we will tell you our decision. At that ppim, N we think you owe balarN•es nr overdraX advanced. These calculations may combine different categories with an amount and you do not pay roe may reDOn you as deliipcenl. MA1202009 _ _ _ _ _r a Statement Date: 04125/10 - 05!24/10 Account Number: 4147 2020 3623 9950 Page 2 of 2 2DiD Totata Yeas-lo-Dab Total fees charged in 2010 $156.00 Total interest charged in 2010 $921.24 Year-to-dale 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 30 Days In Cycle Interest Rate Charges Charges Purchases 22.24% (v) $11,591.95 $211.89 $0.00 Purchases 29.99% (v) $85.39 $2.10 $0.00 Cash Advances 22.24% (v) $0.00 $0.00 $0.00 Cash Advances 29.99% (v) $0.00 $0.00 $0.00 Balance transfer 22.24% (v) $1,316.20 $24.06 $0.00 (v) =Variable Rate 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 FIS33338 D 10 000 N Z 26 10/05124 Page 2 of 2 05886 MAMA 03963 14410000100000396302 Exhibit ,r~„ I _ r _ _ r._ _ n l l 1~ l I CHASE ! ? 2 ~1 "l RrLt, or snr_>: Closing. Date: 12/29/201 1 Chase Dank USA, N.A. :Seller"), for value received and pursuant to file terms and conditions of Credit Card Account Purchase Agreement dated 1'l/2 010 between Chase Bahl: USA, N.A, and Global Acceatance Credit Comaanv, L~ ("Purchaser'), its successors and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of the File Creation Date of t'J_/27/2Ul 1 all rights, title and interest of Seller in and to those certain receivables, judgments nr evidences of debt described in the Final Data Pile, cntitlul (Account's Primary hilc Name) attached hereto and made part hereof for all pumoses. Number of Accounts I ~ 6G Total Unpaid I3alanccs S~ 9 484.2.? Premium Due Scllcr Amounts due ?o Scllcr by Purchaser in hcrcunder shall be paid U.S. Dollars by a ~i~ire transfer to be received by Scllcr nn (chc "Closing Date") t_2/29j:_'.0~ by 2:D0 p.m. Seller's time, as follows: Chase Bank USA, N.A. AQA~ Beneficiary Name: Chase Bank USA, N.A. Renelicinry Accnunt:~ This T3iR of Sale is executed witltnut recourse except as stated in the Crrdil Card Account Purchase Agreement No other representation of or warranty of title or enforceability is expressed or implied. Chase [3nnk USA N.A. Global nee relit Company, LP IIy: By' Gricka Long t Hate: 1212?l2 il__ Date: ~\2"i`20~( Title: Team Manager-,. "title Y r ~4! !~`e rv~_ _ v to?F?at i ~1 Excerpt from Exhibit 1 CoBrand: CHASE BANK USA Account No.: 4147202036239950 Service Date: 6/29/01 Charge Off Date: 5/31/10 Date of Last Payment: 10/16/09 Debtor Last Name: JACK W. Debtor First Name: WHEATLEY Debtor Address: 381 NORTH 27TH STREET Debtor City: CAMP HILL Debtor State: PA Debtor Zip: 17011 Debtor SS#: Debtor Home Phone: Debtor Bus Phone: Balance: $17,373.37 1 GLOBAL ACCEPTANCE CREDIT COMPANY, LP 5850 W I-20, SUITE l00 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''' Day of January, 20] 2. Global Acceptance Credit Company, LP Qy: Mike Varrichio President/CEO -,,~~J1 _ _ ~ Gtobai Acceptance Credit Company 5850 West Interstate 20, Suite IDO Arlington, TeXa5 76017 Agreement: 1/6J2012 Original Creditor: Chase Bank USA Number of Accounts: 450 Outstanding Balance: Chase 8snk USA 4147202036239950 Visa 254-13-4331 71'7 421-8234 04 i p 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) a ----------------------------------------------------------------------- CAPTION OF CASE �-- (entire caption must be stated in full) ::=`;ws,__,_Ltd,. ile,i,\“.A_Lo_ 2,Z(2_,\_,(.1.,te-L,0 , GY'V- 0.),-.--- ,p - :- ;GC.::") -'fit (i?"" ,;(t.e./...-- hi'. W ^ t.at& :L No. �S 3G- Cl/ 0.?6/07 TermY 1. State matter to be argued(i.e.,plaintiffs motion for new trial. defendant's demurrer to complaint, etc.): t, -e-1 ,i'k Axt t-t- Y 2. Identify all counsel who will argue cases:`- 9 (a) for plaintiffs: ? — % )' & f A - (Na e and Address) P 0. 2 'h,3i , 21. /2 - - (b) for defendants: '2 / (Name an A"d -s- 02_ / ? ).2... a4i..,/,,,, ../_7_, /7" 3. I will notify all parties in writing within tv.rr days that this case has been listed for argument. 4. Argument Court Date: Sig :Pe ST, 1`-.4%).uC '4-1\--), Print your name `7 /2_4-/i Date: Attorney for INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2.The moving party shall file and serve their brief 14 days prior to argument. 3.The responding party shall file their brief 7 days prior to argument. 4.If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary)after the case is relisted. -I 619751 of alit CJL-H Satc'9 (Rif aq 311S' #10 ABILITY RECOVERY SERVICES, LLC, : IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA • V. • JACK W.WHEATLEY, : NO. 2012-5236 CIVIL TERM �� Defendant � -no �z ` rn r�-- • . t 3r un r- -- . c:7 IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS '' BEFORE GU|DO' MASLANC\ PLACEY'U. -c -~ - ORDER OF COURT AND NOW,this 10-1 day of OCTOBER, 2013, Defendant's Preliminary Objections are OVERRULED. By the Co I IHP'-'"'"' Edward E. Guido,J. .�°James T. Mulligan, Esquire ~~~1Nichoe|]. Pykosh, Esquire . Cou�Adminixt�tor � ������� Lo^ o|d " . ='f Michael J. Pykosh, Esquire t ' pr .e.j ��ii ID#58851 n �f`'Ti l! '' Dethlefs-Pykosh Law Group, LLC 14113 NOV 2132 Market Street 6 PN 12. 144 Camp Hill, Pennsylvania 17011 CUMBERLAIN Telephone—(717)975-9446 PEN C�' r Fax—(717)975-2309 N$'LV4;Li/ mpykosh @dplglaw.com Attorney for efendant ABILITY RECOVERY SERVICES, LLC : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. No: 12-5236 — Civil Term JACK W. WHEATLEY Civil Action — Law Defendant .• NOTICE TO PLEAD To: Ability Recovery Services, LLC do James T. Mulligan, Jr., Esquire P.O. Box 4031 Wyoming, PA 18644 You are hereby notified to file a written response to the enclosed New Matter within twenty (20) days from service hereof or a judgm may be entered against you. M. ael J. Pykosh, Esquire ID # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 717-975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpvkosha.dolglaw.com Attorney for Defendant ABILITY RECOVERY SERVICES, LLC : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. ▪ No: 12-5236 — Civil Term • JACK W. WHEATLEY ▪ Civil Action — Law • Defendant DEFENDANT'S ANSWER AND NEW MATTER TO PLAINTIFF'S COMPLAINT AND NOW, comes the Defendant, Jack W. Wheatley, by and through his Attorney, Michael J. Pykosh, of the Dethlefs-Pykosh Law Group, who responds to Plaintiff's Complaint as follows: 1. Denied. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the averments set forth in Paragraph 1 of Plaintiff's Complaint. 2. Admitted. COUNT I — BREACH OF CONTRACT 3. Admitted in part and Denied in part. It is Admitted that Defendant applied for and received a credit card with Chase, USA NA. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the remainder of the averments set forth in Paragraph 3 of Plaintiff's Complaint. 4. Denied. The averments as set forth in Paragraph 4 contain conclusions of law to which no response is required. 5. Denied. The averments as set forth in Paragraph 5 contain conclusions of law to which no response is required. 6. Denied. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the averments set forth in Paragraph of Plaintiff's Complaint. 7. Denied. The averments as set forth in Paragraph 7 contain conclusions of law to which no response is required. 8. Denied. The averments as set forth in Paragraph 8 contain conclusions of law to which no response is required. WHEREFORE, the Defendant, Jack W. Wheatley, respectfully request judgment in his favor and against Plaintiff with costs, attorney's fees and any other relief the Court deems just and to dismiss Plaintiff's Complaint with Prejudice. COUNT II — UNJUST ENRICHMENT 9. The averments contained in Paragraphs 1-8 are incorporated herein by reference thereto as though herein set forth at length. 10.Denied. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the averments set forth in Paragraph 10 of Plaintiff's Complaint. By the way of further answer the averments as set forth in Paragraph 10 contain conclusions of law to which no response is required. 11.Admittied. 12.Denied. The averments as set forth in Paragraph 12 contain conclusions of law to which no response is required. WHEREFORE, the Defendant, Jack W. Wheatley, respectfully request judgment in his favor and against Plaintiff with costs, attorney's fees and any other relief the Court deems just and to dismiss Plaintiff's Complaint with Prejudice. COUNT III — BREACH OF CONTRACT 13.The averments contained in Paragraphs 1-12 are incorporated herein by reference thereto as though herein set forth at length. 14.Denied. The averments as set forth in Paragraph 14 contain conclusions of law to which no response is required. 15.Denied. The averments as set forth in Paragraph 15 contain conclusions of law to which no response is required. 16.Denied. The averments as set forth in Paragraph 16 contain conclusions of law to which no response is required. WHEREFORE, the Defendant, Jack W. Wheatley, respectfully request judgment in his favor and against Plaintiff with costs, attorney's fees and any other relief the Court deems just and to dismiss Plaintiff's Complaint with Prejudice. DEFENDANT'S NEW MATTER The Defendant, Jack W. Wheatley, sets forth the following New Matter: 17.The averments contained in Paragraphs 1-16 are incorporated herein by reference thereto as though herein set forth at length. 18.The claims made by Plaintiff are barred by the applicable Statute of Limitations. 19.The claims made by Plaintiff are barred by the Doctrine of Accord and Satisfaction. 20.Plaintiff's actions may be barred by the Doctrine of Estoppel. 21.Plaintiff's actions may be barred by the Doctrine of Unclean Hands. 22.Plaintiff does not have privity of contract with Defendant. 23.Plaintiff lacks standing to sue Defendant. 24.Count II of Plaintiffs Complaint, which is based on an Account Stated cause of action is not a permitted cause of action in credit card cases. See CitiBank (South Dakota), N.A. v Ross, 2010-5668 (Cumb Cty, 2010) (Masland J). 25.Count III of Plaintiff's Complaint, which is based on an Unjust Enrichment cause of action is not a permitted. See Wilson Area School Dist. v. Skepton, 586 Pa. 513, 521, 895 A.2d 1250, 1254 (2006). WHEREFORE, the Defendant, Jack W. Wheatley, respectfully request judgment in his favor and against Plaintiff with costs, attorney's fees and any other relief the Court deems just and to dismiss Plaintiff's Complaint with Prejudice. Respectfully Submitted, Dated: 16 -Cy -(3 By: Mic ael J. Pykosh, Esquire ID # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 717-975-9446 Attorney for Defendant VERIFICATION I, Jack W. Wheatley, hereby verify that the statements of fact made in the foregoing documents are true and correct to the best of my knowledge, information and belief. I understand that any false statements therein are subject to the criminal penalties contained in 18 Pa C. S. Section 4904, relating to unsworn falsification to authorities. Date: /1— �r A) -0"i" J.ck W. Wheatley �� Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykoshc dolglaw.com Attorney for Defendant ABILITY RECOVERY SERVICES, LLC : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. • No: 12-5236 — Civil Term JACK W. WHEATLEY • Civil Action — Law Defendant • CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT and NEW MATTER, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Ability Recovery Services, LLC do James T. Mulligan, Jr., Esquire P.O. Box 4031 Wyoming, PA 18644 Respectfully mitted, Dated: l(`(p --(3 By: Michael J. Pykosh, Esquire ID # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 717-975-9446 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PLAINTIFF r- ABILITY RECOVERY SERVICES, LLC P.O. BOX 4031 , WYOMING, PA 18644 NO.: 12-5236-CV VS. c. , s. DEFENDANT JACK W. WHEATLEY 381 N. 27TH STREET CAMP HILL, PA 17011 PLAINTIFF'S RESPONSE TO DEFENDANT'S NEW MATTER Now comes Plaintiff, by and through its in-house counsel, and files the following Response to Defendant's New Matter: 17. Denied. 18. Denied. Defendant's paragraph 18 is a legal conclusion for which no responsive pleading is necessary. 19. Denied. Defendant's paragraph 19 is a legal conclusion for which no responsive pleading is necessary. 20. Denied. Defendant's paragraph 20 is a legal conclusion for which no responsive pleading is necessary. 21. Denied. Defendant's paragraph 21 is a legal conclusion for which no responsive pleading is necessary. 22. Denied. Defendant's paragraph 22 is a legal conclusion for which no responsive pleading is necessary. 23. Denied. Defendant's paragraph 23 is a legal conclusion for which no responsive pleading is necessary. 24. Denied. Defendant's paragraph 24 is a legal conclusion for which no responsive pleading is necessary. 25. Denied. Defendant's paragraph 25 is a legal conclusion for which no responsive pleading is necessary. Wherefore, Plaintiff respectfully requests that Defendant's New Matter be dismissed with prejudice. Dated; tql Respectfully Submitted, J es . Mulligan, Jr., Esquire P O. Bo 4031 V�yom' g, PA 18644 P� # 51794 In-House Counsel for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF ABILITY RECOVERY SERVICES LLC P.O. BOX 4031 = WYOMING, PA 18644 NO: 12-5236-CV VS. -T ylc3 �r _ DEFENDANT J .gib ti.s� c JACK W. WHEATLEY 381 N. 27TH STREET CAMP HILL, PA 17011 CERTIFICATE OF SERVICE 1, James T. Mulligan, Jr., Counsel for Plaintiff, hereby certifies that I have served a true and correct copy of the foregoing Plaintiff's Response to Defendant's New Matter via First Class Mail, postage prepaid, this date shown below, to the following: Michael Pykosh, Esq. 2132 Market Street / Camp Hill, PA 17011 Date: 11 I�`� /13 _ ti Ja es T. Mulligan, Jr., Esq. P.O. Box 4031 Wyoming, PA 18644 PA ID 51794 Counsel for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff VS RULE 1312-1 following form: : NO. — CIVIL TERM () r.... •-c) .--I. ._...7- 1-T1 • ...e ..L> ....... C.; r The Petition for Appointment of Arbitrators shall be substantially in the fli THE PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: ..-'. (---:. "z c" r\.) :;---' 2 7: .. - C.-■ - " C.D — Sae . counsel for the laintiff/defendant in the above action (or actions), respectful represents that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $ / 7, 3 73 37 The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counseLor are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. spectfully submitted, ORDER OF COURT AND NOW, , 20 , in consideration of the foregoing petition, Esq., and Esq., and Esq., are appointed arbitrators in the above captioned action (or actions) as prayed for. By the Court, KEVIN A. HESS, P.J. 2&50 PO Arri eY StpC,P..a e+303698 ' ..\ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA (//61- 'eL''d'� ,�,C 2� oz°o3C� Plaintiff 5 : NO. 102- s'..23‘-e.../ CIVIL TERM VS K(/n Siej-- hi hi, I r • • Defendant • ..e'- ' " v),, C.) - • • -� _ _ RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the¶ r_ following form: THE PETITION FOR APPOINTMENT OF ARBITRATORS --, TO THE HONORABLE,THE JUDGES OF SAID COURT: �i __, 1_ ,, I , counsel for the lap intiff/defendant in the above action(or actions),respectful represents that: 1. The above-captioned action(or actions)is(are)at issue. 2. The claim of plaintiff in the action is$ /7, 3 73. 3 7 . The counterclaim of the defendant in the action is . The following attorneys are interested in the case(s)as counsel or are otherwise disqualified to sit as arbitrators: ,,A WHEREFORE,your petitioner prays your Honorable Court to appoint three(3)arbitrators to whom the case shall be submitted. Respectfully submitted, 1 ,---- L) / / � ORDER OF COURT AND NOW, 7:;e7 2 , 20/V, in co•sideration of the foregoing '1 / petition, / '4 ., 4_ ,iii,d,, Esq.,and_ 9, . / Esq.,and MK/ /J. 4 A , Esq., are appointed arbitrators in the above c :captioned action(or actions)as p .yed for „• ? �A�.I. By the Court, . Ate. _,(/, i1 IC f �l ,`T yes/, F = C KEVIN A. SS, P.J. ,i..-Z._ 4d8.5o POArrY (�f IN's i ytc:.�rVf 1// y�/N r�- ,ek c ed. 3031o9 5