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HomeMy WebLinkAbout13-0004~'~., ~~ ~ ~"Fly ;~; 2t~i3JAN -2 ~~ ~~: J2 ~`~~~~,~~ ~~Np NS YCVANIAkT ~, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION MIDLAND FUNDING LLC Plaintiff vs. JOSEPH RUANE Defendant ~fV ( ( I.~Ywi No : ~ ?j COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 09780500 C A Pit ABR ~~~ ~~o3.,s~ arty lC-# 10&Q 574 ~~a8a7~v IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION MIDLAND FUNDING LLC Plaintiff vs. Civil Action No JOSEPH RUANE Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 CIVIL ACTION 1. Plaintiff, MIDLAND FUNDING LLC, is a business entity with offices located at 8875 Aero Drive, Suite 200, San Diego, CA 92123. 2. MCM's records show that the Defendant(s) JOSEPH RUANE is/ are individual(s) residing at 133 WESTGATE DR, MOUNT HOLLY SPR, PA 17065 3. As set forth in records maintained on behalf of Plaintiff, this action is based upon a credit agreement entered into between Defendant(s) and the original credit grantor. 4. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all the rights, title and interest to Defendant's CHASE BANK USA, N.A. account X~;~'~XX~O~XXXXX3780 (hereinafter "the account"). Midland Credit Management, Inc. (hereinafter "MCM") services the account on behalf of Plaintiff. >. MCM's records state that this action is based upon a credit agreement entered into between defendant(s) and the original credit grantor. MCM's records further state that defendant(s) used or authorized the use of the credit account but failed to make the payments due pursuant to the agreement. 6. MCM's records show that the defendant(s) owed a balance of $8285.08 as of 2010-11-30. 7. Attached hereto are records regarding the account and/or payment(s) received. WHEREFORE, Plaintiff respectfully requests that judgment be entered in favor of Plaintiff and against Defendant(s) in the amount of $8285.08, together with interest and costs. By ~ ~~ Weltman, Weinberg Reis, Co., LPA Attorney for Plaintiff Page - 1 ' 8551515927 ' 'AFFINDEBTIVIEDIA Payment Due Date New Balance Past Due Amount Mlnlmum Payment ti 12/06/10 $8,285.08 $7,389.00 51,604.00 Account number: 4266 8411 939fi 3780 Make your check paysble to: Chase Gerd services. • Please write amount enGOaed. New address ore-mail? Print on beak. 426684119396378DOD16D40000828508000000000000001 11381BIXZ31310D JOSEPH P RUANE 133 WESTGATE DR MOUNT HOLLY SPRINGS PA 17065-2010 11111161111111111111111IIIdJII11111dII1,1/1dLlllllllldl 11111111111111111111111111111111111111111111111111111111111/11 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 't: 5000 160281: 203 i i939637806t1a S I ~~V~ [~ Manage your account onpne: gddttlonal contact information from CHASE Q www.chese.wrtllpeditcerds wlweniently looted on roverae side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number. 4268 8411 9396 3780 New Balance ~ 285 ~ Previous Balance $8,152.02 Payment Due Date 12/06/10 Fees Charged +$~ ~ Minimum Payment Due St 604 ~ Interest Charged +$106.06 New Balance $8 285 08 OPening/Closing Date 10/10/10 - 11/09/10 Total Credit Line $1 y ~0 Available Credit $11 214 Cash Access Line $3.gpg Available for Cash S0 Late Payment Waming: If we do not receive your minimum payment by the date listed above. You may have to pay a late fee of up to $35.00 and yolx APRs wAl be subject to incr~se to a maximum Penalty APR of 29.99%. Minhnum Payment Waming: Kyou make onty the minimum Pallment each period, you wAl Pay more in interest and it wiA take You longer td pay off your balance. For example: if you make r1o You will pay oB the And you will end up additional charges balance shrnvn on paying an estimated using this card and this statement in total of... each month you about... pay... Only the minimum 32 years $22,5 payment $290 3 Years $10,432 (Savings=$12,133) If you would INCe information about Credp COUnselklg services, tail 1-866797-2885. The outstanding balance on your credit card aaount is scheduled to be written off as a bad debt shortly. As a resuk, your aedR bureau will be updated wiUi a negative ratlng that could last for uP to seven years. We can stlll help, but you need to call us now at 1-888-792-7547 (collect 1-302-594-8200). This account is dosed and no longer available for use. If you have a balance remaining on the account, please continue to make monthty payments try the due date. Thank you. ACCOUNT ACTMTY Date of Transaction Merchant Nana or Transecfion Description $ Amount .r ..~ s~ .: .. 11/07 LATE FEE ~ , 25.1X) TOTAL FEES FOR THIS PERIOD ~~ ~ _ r~" '.: ay $25 00 , s . .,i m ., 11/09 PURCHASE INTEREST CHARGE ~ _ ~„ 11/09 CASH ADVANCE INTEREST CHARGE 3.55 11/09 BALANCE TRANSFER INTEREST CHARGE 28.57 75.94 TOTAL INTEREST FOR THIS PERIOD $108.06 t : ~~ ~~ Total fees charged in 2010 $192.00 Total interest dlarged in 2010 $ggg,73 Year-to-date totals reflect all dlarges 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 Balance Percentage Rate (APR) Subject To I Accrued Typo 31 Days In Cyde Interest Rate nterest Charges Interest Charges Purchases 14.24% (v) $41.22 Purchases $0.50 $0 00 26.24%(v) $137.04 $3.05 , $0.~ This Statement is a Facsimil N t e - o an 0000001 FIS33338 D 5 000 N Z 09 10+11/09 Page 1 of 2 X original 0&598 Mq Mp 71381 31310000pSDpp1138101 ~~ ~~.~~ ~L •• ~., a ~ ~ Address Change Request Please provide information below only ff the address information on front is incorrect. Street Address: - CRy. - --- State: -- Zip: Home Phone: -_- ___ Work Phorte: --- --- E-mail Address: --------_--~- -------------- To servlrx and manage any of yotu account(s), we, our represeratatlves, JPMorgan Chase representatives, andla eRliates, may confect you at any telephone nutrtber you provide to ig. Please refer to your Cardmember Agreement for additonal details about the use of your person®I infonnafion L and/or visit our website shown below to provide us with additional fX)rlt9Ct infarmetion. To contact us regarding your account: ® eY Tefr'phone: In U.S. 1-800-905-2000 Eapellol i-888-448.3308 TDD 1-800.955-8060 Pey by phonal-800.438-7958 Outside U.S. cell edktl ' 1.302.594-8200 ' Send InquMka to: Matt payments to: vlatt Our Website: P.O. Box 15298 P.O. Box 15153 www ch e r •edgrard Wilmatgton, DE 198505298 Wilmington, DE 19888-5758 Immuagon Apopt Yaa AetNd Crotlinlq d PaYnadC YOU mry mdke payments by 311Y m tlk OpdalS IIStEd btbw. Tne amount of your paymem Sb0uid past least your minimum prymem due. CaydDle in I1.5. dol~am and tlrawn ar payapb mmtigh a U,S. NnenCid Ilntnutbn or the LLS. broom of a lortipn fhwndd ingtiMigrr, Y¢u may make payments tN regular U.$. maN. SerA your payment to tor. Paymems address Shown m mb statement. Your ppyrums DY mall meal comp} with the instructions on This dakmwd. DC la*, ;end Cash. Write your Account number on your check or money timer. Payments rnustpe acmmpankd by the paymem coapm in the envelope prOVidea wqp our aadrua visible thmu0h the MsalOpe vnndaw: the pnYdODe Calllgt COlltain mCro man ant adymea[ A COYDpII; and mero CAII ba na skdes, paper clips. tape or WrresparWdlN t!kiudetl vOm your Dayniant. II your paymNt iS ir. a4t¢fdmte with Duf paymem inStfumnm and i5 made avaikde 10 u5 ¢n airy daY hY 5:00 p.m.locv Dmeal nor paymelds address on qik sklemam, wevdil <:red7 ine paymem to you Account u 0f diet day gy0ur paymam k In aceadarxe wim rnr payment bs7rudiors, but Is made avdkDla M us afmr 5:00 p. m. bratl tlme at IhF Payments adOress on ini6 stafemem, we will Credit it rp your Acuunl as m me next wkndar day. You may males Deymerts etectronkaliym!ough ourwabsite shown on this stakmem. l• we recekt }oar nomplekd request on our syebstle by 5 Dm. Eastern Tine, we will aetlil your payment as of ttW say. If we ntcem your re0aeYl after S p.m. Easlem Time, we will credit yrwr payment as m tDe treat calendar day. it you spadly a future hate in ymur request we will credit ycur payment as m tlwt AaY Fa a0 other paymmLt or for cry payment type above for which you tlo nm fol!ew cur Caymam instrucpals, credipnq of Voa payments may De delayed tar up l0 5 days. Aaoum Imormallea Raasrkd to Galq 8araaa µb pyy repot kfamalkn shod your AccDUm to crc¢it traewa. lade W Yokota, m(ssed peyrnenis or other ddaulis rn your Accoum may m reflncxm In your credit rgpM1 If you mink we have roported Indc4u2k b/ormabgn to a cretlil bureau, you map wrde to us dt IM Irlquiriea address shovm on this stakmenL Ta 9ervlN and Menage Any of Yptr+keount(sk We, om mpreserddNos, JPMOrgal Chase represenktna, anNn aiNAates, may canted you m arty kkphono number you pmvkb io us. PleaN reftr b your Cardmembzr Agrcemenllw atltli5onal debuts zbout the use o!yuur persalAl inlamatip. tbties abod Eketronk CMdt Celiwrtleix When yrou pay Dy check you aumonte us e!mer tc Dse mtcrmanm fmm your male to make a ark-nine dectrgdc furtl Irarrsler from your xxum or to process the payment as a dkck Irartsadion. When vre use hdanlatiun froth your ciweh k nyke ar: deWonic total transfer, lands trey ne wlgalrawr. from ycur ar,4ounl as soon as tot same say we roxwa yea payment and you wig not receive your C.".tale twtk tom your Rnanddi nYlitulbn. Call the Dn$minef $CrYkE hUnmN an InIS Ypkmtnt n yW ik've pUpstlpn9 abaci dBtlrpniC check cdlectiat or tlo tint wain your rsaymanW edkckd elommica9y. gMlgoMl Paynmab: Aty payment mock pr other btm m payment tliat y0u send us kr less Ilan Ins tut! Daiaum dot dkt k marked'pkA i¢ Idl" a contains a simaar notaUar, ur dot you otltawse tender ir, MD salisfaceor ¢f a dispdetl amoum, must tie sent m Card Serviras, PD. Box 15049, WNmirlpkn. OE T9S50-5019 we reserve all err rlgnk regarrAnq ttteae prymeMS ie.g., n it k demrmimd [hart h no uJ!IC Dispute or ~.I any Yam 4nxk'Y raceivea dl any a:lrar addrgs.. uk may acxpt the check anti you wi.'1 diit owe arty mmaining 6aknce). We may Muse to accept any such payment by returning n m you, nm casmng A or tlE6lroying it. All miter paymems That you matt 511Om0 [k sent tp dk requiar Paynkm address ahOwn m mis statemem. Anlwl Renaral MONu: If yon Account Agreement ems m annual membersmp lee anNor similar charge for Isarerrct a avatlaDglry 01 yauraccolud n will bt titled cam year or in matthly or gwsneny Inskl~..r:eems. Thk keand/a charge ere owM nhelnsr ur not you ase }air Accourrt, and you apse k pay them wtkn billed. Tne annual lee arm marpp ere nmtekrdable anles< you i!oMY us that you wish k dose }roar accoum wghn 30 tlays or one billing cycle (:MkMsrer ib less) alter sYe provitle ma Sglemem On YAlkh dk mrOial lee a Charlie iS billed and d IM 5di11e brae, you pay youf Outskndinp 08iance In fad. I' you do tins, fa a etkrpe biI1N mom Ogen mar. annlraly slid) as a mm1My YElwes charge, y0U YAtl not wwe irk bit D'IIeA mange; im:vever. Pita Dilletl charges are narnkndabie anal moil he pai0 as part pl paYirg your ouninmlinq haknce In full. Vour isYmlal: of the amual tN or charge does not -,item our r~K to oleic your Mr.0un! and to emit yea right m make DansaCdona on pan Accoani. II your Account'~.s ebse0 DY ya, a us, .v0 will mntimle fo impose the annul Ice andkrmarge omit you pay yam autsknd'mq balance in full and termirlak your ACwuM relatblsnip. CaltdaNOn of galaaN suyed to kpmt RCM: To 5qure your penodk interest charges Ia earn Dtllkq Cyde when a daily penadk role(s) applies, we use ere daffy be'ance memod tklcludny currvnt trarwacikns). Ta fpuro your parodic inkrosl charger for earh billing cycle :vnrn a mommy perkMic rate(s) applies, we ase dre average daily balance mNDpd (bchrdirq curtain rrerrswctbns). lyr ar eaplanapor ¢I eil,'nnr metlrod. or quedkxw about a 0.xtkukr kttefesl chsrge cdculatlon pit your 5'.akment. pl¢ase tail us at the toll imE 4umamer scrux phme iwmher IMed above. we calcuime penodk Inmrast mangos. using the aa7ptlpde Dedodic rates shown en this stalamenh separatety fa Bch feature (a.p., gaknce uansler checks and cash advance cherks ("dkck Iransncliun'), pmciusus, DakrlN Larwlers. cash advances. pranonarol octanes nr rwemmft advanrP,s). These cdarWhlta may combine different u6egorks YyNh Uw same periodic rates. Variable rates will vary wNh the meaet based m tlk Pdme Rae!a ach hWek deecdbed b your Acmum AOreemem). Then is a minimum iMeroN marye ot51.50 {a Slldh amount tlescribed in your Accoum ApreemmA) in arty dllinq ¢ydD ur vdddl you awe ant periotlb interest tterges, ant s ironsadion fee Iqr coon baWkt Caiwtsr, cash advanx, or check Iramamion, in Ins amounts ablfetl in yaw Aawad A.grNnwnl, as it may 4 amended. Thom is a Iadpn hanaadim feu m 9X d me U.S. ddkr am0um of arty lorolgn Itarmaclion to sum ampafl deeaPoetl in yar Acmunt Agrremzrtp. How k AvoiO Payklp inkrest m Purdla5es: We tiepin assessing Oeria0k inkrpst charges on a irarls8ctlal, he, a! Iltferest dergehom the tlak tt is eddetl to your dal} DadnN until your luca,m is paid in sa0, as deudaed in your Aaoum Agreement. Your due dine wit! be a ndnilmim of 21 drys ldlasvinp me ud¢sa of each bill)Ip ryde. Yal can avoM pnrlbic imemst dwrgps m haw purdmrka when they are lost hidatl to a slakment as dasdl0ed below, Dat tlds tlas Mt app} k ba;anCe translero, cash advances a wemmq eM1mrxas. If you retake s cdrrom morls'dy St3ktlreltitel inCIW N Mw purchaNg and male! a peymem amt wb rriCeive by tM dire aiM timethe MlMmum Payment Is due for ma: statement, we Ydll nd cMrye padedic Imerest m amy pOnlon m those 11Ew purchases Choi wt albcak auan Pa)rnkm to. ao bag as f ) ycur current slakrnent also snows ma7 m readved paJrl~t m ine ending huanm fm your OreYiOUS madn's atatenknt by ttk date me Nme Ns IRrdmum Payment was due OR 2) mat the ending balance for your Dreviou6 manb8 9Ydterrlex was tarp II you have a 6alarke timer tMn a DurdAabe balmce and that WWnce tanks a higher perbdk ~.nkreSt ink, you may nd OE ode M avoid cedOdb IrdaRBt Gtdr9e5 m new Purchases if you do not pay Your Dabrke kI full cam monde. DecauN vro perarelry 81buYk payments Nrat to ihp paiBACe wNh Ilk ngnest prxtediC Imereat ink. What To Da q Yu Think Yoa FM A Mirdake M YNr Shkaaent H you think tnero k an error On your YnlMknf, wdk k Ie on a separate Sheei at Customer Sxrvice, P.O. Box 15299 Wilmington, DE t985R5299: !n your boat pNe us ihp rollOwlnp intorrwtbn: • Apcoum mfometlon. Your name arN Accoum number. • Dnlbr amount: Tne cmkir amount m the auapectM artor. • DeeCr~tion d Prodem: II you think mere :5 an ens on your D'.I!, descdlre whet you bepsve b wrong anC why you belkve q b s mtstaka. You mud cnmect us wimin 60 dsys atkrthe error appearetl on your sbrkmenr YW mud rbmy U5 d airy pOlEnnal Ermm k wnilnq. Ym mzy Call U5. Obi A y0a d0 Yle era Ibt rogUired k invebipak arty pOteldrdi era6 and you may Dave 70 Day iM anbum In tluesbcn. While we inmdigme whdhar a rat iMm ras brkn an ertnr, me tmkvdrrr, are ;nk. • We gnnd try to wiled me amountin quesitm. or rt0prtyrou as tldinquem on thmamounc • Tne dwrpe in qurstion may remain ¢n your sfatmrelaL ant wa may urontlnuo in cnarr)° you imerest an tlmt amount. But, if m Oekrrld!le mat we made a mistake.. you wgi nd beta to pay me amoum b questiat or any interest Or Other iota reakd t0 tlbi amami. • Write yrou dr, not nave to Day me amoum b puestkn, you are. resporu;thiz Mr the remainder of your balance. • Ws can aDpiy+mY ureaid amount apairlst your aedil !Imii Ydr Rlghq If Yoa Are DltladlYAsd WIH YNr CMq Card PurNNa II you are tlissatisik!d wim me goods a NrvMs mat ya: ttavn purmasetl wtlh your Credt dam, and you hdVe iriEd hr g0ad IeAh k mrnid iha Rmhkm aim Ii'.a lrlerchdnt, you may (lave me tight not to pay me remaining amoum due on the Wkhese. To use IMS right, all m me kllowinq must De Vua. 1. Ths Wrchase must have Olen made in }roar honk skk a when 100 mtlca Of your CUrlan[ nellillq dddfeSS. ant IDB pUf4ilaSe six mYYt have paps Mora than $.iD` . IROk: AEllher d maSp are necessary if ypa pYrchase was Qa5e0 On an atlWmSeman' we RuNed IO y7xL Dr N am Own iM cOmPary mat sore you the gootls or seMrn.) 2 Vau mull have used ynmrcrodit cam }a the Wrehaso. Pumhasps made wim C85h 8tludnxa Fran en ATM a with a dkCk That aCOeSap6 ymur 4redN Cdld Accoud da not qualify, 3. Von must rm yet have hly gam kr iDe purchase Ii all 01 ine rraena about am .met and yin era mm dknseNSlied wim me prncnase, con pct us in wiling d Customer Service, P.6 Rov 75790 Wlln•~irgipn, DE 19851}5299: Wnilr, ws mvestigak, the same rules apply ip the dislamed amoum as Oiscussetl oboe. Atterrro finkh our investigation, rue w18 kN you our deckbn. N dot point. it we think you rare en amonm am you do nm pry ism nwJ reaxt you as aeimglknt. MA6797010 Statement Date: 10/10/10 - 11/09/10 Account Number: 4266 &411 9396 376D Page 2 of 2 INTEREST CHARGES CONTINUED Your Annual Percentage Rate (APR) is the ann l i t ua n er est rate on your account. Annuat Balance Percentage Rate (APR) Balance Subject To Accrued TYPe 31 Days In Cycle Interest Rate tnterest Charges Interest Charges Cash Advances 19.24%(v) Cash Advances $1,748.37 $26.57 $0 00 26.24% (v) Balance Transfer 14.24% (v) $0.00 $6 279 92 50.00 . $0.~ Balance Transfer 26.24% (v) , . $0 00 $75.94 $0•~ $0.00 $0.00 (v) =Variable Rate Please see Information About Your Account section for ~ Calculatlon ~ Balance Subject to Interest Rate, Annual Renewal Notice How to Avoid Interest on Purchases, and other important information, as applkable. This Statement is a Facsimile -Not an original X 0000001 rIS33338 O 5 000 N Z 09 10/17109 PagB 2 of 2 08599 MAMA 11381 31310000050001738102 Verification Bonnie Gohman, being duly sworn (or affirmed) according to law deposes and says that I am employed as a Legal Specialist for Midland Credit Management, Inc. ("MCM"), servicer of this account on behalf of plaintiff. I am a competent person over eighteen years of age, and make these statements herein based upon personal knowledge of those account records maintained on plaintiffs behalf. I am authorized to make this verification on plaintiffs behalf. The facts set forth in the foregoing pleading are true and correct. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. ~IEC l 2 2012 Date Bonnie Gohman OH14 Weltman, Weinberg & Reis. Co., L.P.A Page - 2 `= ~~ ~~1111~ y ~~1~1~N1~ `. 8551515927 - ' `:4FFINDEBTMEDIA " IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION MIDLAND FUNDING, LLC rri Plaintiff vs. Civil Action No. 13-4 CIVIL TERM •-Z �-' - JOSEPH RUANE ("") ` ' Defendant AMENDED COMPLAINT You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PENNSYLVANIA 17013 TELEPHONE NUMBER: (717)249-3166 AMENDED COMPLAINT AND NOW, comes the Plaintiff, Midland Funding, LLC and files an Amended Complaint, the following of which is a statement thereof: 1. Plaintiff, MIDLAND FUNDING LLC, is a business entity with offices located at 8875 Aero Drive, Suite 200, San Diego, CA 92123. 2. Defendant, Joseph Ruane, is an adult individual residing at 133 Westgate Drive, Mount Holly Spring, PA 17065. 3. As set forth in records maintained on behalf of Plaintiff, this action is based upon a credit agreement entered into between Defendant(s) and the original credit grantor. 4. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all the rights, title, and interest to Defendant's CHASE BANK USA,N.A. account xxxxxxxxxxxx7737 (hereafter"the account"). MCM services the account on behalf of Plaintiff. A true and correct copy of the Bill of Sale is attached hereto and made a part hereof as Exhibit"1." 5. Foreign business corporations must procure a certificate of authority from the Department of Sate before doing business in this Commonwealth. 15 Pa C.S.A § 4121 (a). 6. A foreign company engaged in debt acquisition and collection activities in Pennsylvania is not doing business within the meaning of this registration statute. 7. Plaintiff is attempting to collect a debt from the Defendant and the filing of the instant action falls within the categories of activities not considered as doing business in this Commonwealth pursuant to 15 Pa C.S.A. § 4122. COUNT I-BREACH OF CONTRACT 8. The averments contained in Paragraph 1-7 are incorporated herein by reference thereto as though herein set forth at length. 9. MCM's records state that this action is based upon a credit agreement entered into between Defendant and the original credit grantor, Chase Bank USA,N.A. 10. Defendant subsequently accepted Chase Bank, USA, N.A.'s offer to open the above credit card account by using said card to make purchases. 11. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 12. Each month, pursuant to the terms and conditions of the cardholder agreement, Chase Bank USA,N.A. sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements are attached hereto and made a part hereof as Exhibit"2." 13. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 14. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment, having made a last payment on or about April 4, 2010. 15. MCM's records show that the Defendant(s) owed a balance of 8285.08 as of May 31, 2013 16. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as set forth on the Defendant's monthly statement. 17. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the contract by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. A true and correct copy of a letter from Plaintiff to Defendant, requesting payment, dated July 15, 2012 is attached hereto and made a part hereof as Exhibit"3." WHEREFORE, Plaintiff respectfully requests that the judgment be entered in favor of Plaintiff and against Defendant(s) in the amount of$8285.08, together with interest and costs. COUNT II-UNJUST ENRICHMENT 18. The averments contained in Paragraph 1 through 17 above, are incorporated herein by reference thereto as though herein set forth at length. 19. Defendant used his/her credit card to purchased goods, merchandise, and services. 20. By making use of said card, the Defendant has had a benefit conferred upon him/her through the use and enjoyment of those goods, merchandise and services purchased. 21. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the amounts due as set forth in the monthly statements and as such has improperly retained the benefit(s) conferred upon him/her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant Joseph Ruane in an amount less than the arbitration limits together with interest and costs. COUNT III-BREACH OF CONTRACT-COURSE OF CONDUCT 22. The averments contained in paragraph's 1-21 above, are incorporated herein by reference thereto as though herein set forth at length. 23. At the request of the Defendant, the Plaintiff's successor in interest extended a revolving line of credit by issuing a Chase Bank credit card to the Defendant. 24. The Defendant subsequently used the line of credit to make purchases of goods, merchandise and service and/or other transactions such as balance transfers and cash advances. 25. By doing so, the Defendant expressly accepted the terms and conditions of the agreement. 26. Each month, the Defendant was sent an account statement summarizing the activity on the account along with any applicable interest rates and fees. 27. Pursuant to the terms of each monthly statement, the Defendant may either pay the entire new balance on the account statement, but must pay the minimum payment due as set forth. 28. The Defendant, upon examination of subsequent monthly account statements accepted the running statement of account by regularly making the minimum payment amount due as set forth on the issued statements. See attached monthly statements, attached as Exhibit "2." 29. The Defendant subsequently failed to make the payments due on his/her account thus rendering the account balance immediately due. WHEREFORE, Plaintiff respectfully requests that the judgment be entered in favor of Plaintiff and against Defendant(s) in the amount of$8285.08 together with interest and costs. Respectfully Submitted, Matthew D Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG& REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR# 09780500 CHASE 0 BILL OF SALE Closing Date: 05/30/2012 Chase Bank USA,N.A,("Seller"),for value received and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated 12/28/2011 between Chase Bank USA,N.A.and Midland Funding LLC ("Purchaser"),its successors and assigns("Credit Card Account Purchase Agreement"),hereby assigns effective as of the File Creation Date of 05/22/2012 all rights,title and interest of Seller in and to those certain receivables,judgments or evidences of debt described in the Final Data File,entitled(Account's Primary File Name)11111111111 attached hereto and made parthe reof for all purposes. Amounts due to Seller by Purchaser in hereunder shall be paid U.S.Dollars by a wire transfer to be received by Seller on(the"Closing Date")05/30/2012 by 2:00 p.m.Seller's time,as follows: fumpusimulai. 4, 0*?, OkomoMpROptigitOWAUPW Tom 311 1 # 411160044460Asa*IN MAW This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit.No other representation of or warranty of title or enforceability is expressed or implied. With respect to account information for the Accounts listed in the Final Data File, Seller represents and warrants to Purchaser that (i) the Account information is complete and accurate; (ii) the Account information constitutes Seller's own business records and accurately reflects in all material respects the information in Seller's database; (iii) the Account information was kept in the regular course of business; (iv) the Account information was made at or near the time by,or from information transmitted by,a person with knowledge of the data entered into and maintained in the Seller's database; and (v) it is the regular practice of Seller's business to maintain and compile such data. Chase Ban Midland j)dint LLC By: Ali By: �.•i._A Ericka Lon, Date:05/24/2' Date: 5-3l—2.01-- '-- J.Brandon Black Title: Team Leader Title President Approved by Legal 9780500 Bii° °'fi ei l EXHIBIT • Payment Due Date New Balance Past Due Amount Minimum Payment 06/29109 $6,937.00 $0.00 $138-00 • Account number:4266 8411 93963780 Make your check payable to: yW: chase Card Services. Please write amount enclosed. • New address or e-mail?Print on back. 426684119396378000013800006937000000006 20689 BEX Z 16909D 1.11111 �ulnlrlrrlu�lurlrlmrllrl�lnrllulrlrullrrllul JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 111dll111111.1111111111111JJILrrrlrlllltnrJlrtrilmilrll 1:5000160 2SI: 2031193963780611• Statement Date: CHASE 0 05/10/09-06/09/09 r! Manage your account online: www.chase.com/creditcards Minimum Payment: $138.00 Payment Due Date: 06/29/09 Additional contact Information conveniently located on reverse side ACCOUNT SUMMARY VISA Account Number: 4266 8411 9396 3780 Previous Balance $7,082.00 Total Credit Line $19,500 Payment,Credits -$145.00 Available Credit $12,563 New Balance $6,937.00 Cash Access Line $3,900 Available for Cash $3,900 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 05/29 Payment Thank You Electronic Chk -145.00 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 .00000% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V.05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Balance transfer .00000% 0.00% $7,025.87 $0.00 $0.00 $0.00 $0.00 Total finance charges $0.00 Effective Annual Percentage Rate(APR): 0.00% Please see Information About Your Account section for balance computation method,grace period,and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges-including transaction fees such as cash advance and balance transfer fees-expressed as a percentage. IMPORTANT NEWS Get unlimited local&long distance calling with Vonage for the low price of$24.99/Month.25 great features @ no extra cost.High speed intemet required. See Vonage.com/911.For details call Vonage at 888-589-3608. Identify yourself as a Chase Cardmember(this is NOT a Chase customer service#). Limited time offer on British Airways...Save$100*r/t. 9780500 Book a round-trip flight on British Airways worldwide in World Traveller Plus or World Traveller between Mar 23- Aug 31,2009. Visit ba.com/chase100 to book your flight. Offer ends June 30,2009. •Terms&conditions apply. Celebrate Our Biggest FREE Nights Offer! Stay any 2 nights,then enjoy a FREE night at participating hotels,including InterContinental, Crowne Plaza,Holiday Inn and Holiday Inn Express. EXHIBIT This Statement is a Facsimile -Not an original 0000001 FIS33338 D 9 000 N 2 09 09/06/09 Page 1 of 3 05686 NIA MA 20689 16010000090002068901 X INS13077 • Address Change Request , Please provide information below only if the address information on front is incorrect. Street Address: — City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: — L To contact us regarding your account: _ © By Telephone: MEM In U.S. 1-800-945-2000 Espanol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Website: TDD 1-800-955-8060 Pay by phone 1-800-456-795E1 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 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 mom 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 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 days 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.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 alter 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.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 tunes 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 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 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 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 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,lee.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 lull is received on your account. payment,and you will not receive your check hack 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 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 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 v h r r to 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 UM!t..:i 1 he check and you will still owe any remaining balance). Wilmington,DE 19850.5299 as soon as possible.We most 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 some 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,it 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 hem 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 01 the annual tee 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 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 the some 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$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. sta111408 • • Use these Cash Advance Checks for Extra Cash or Purchases. These checks are a great way to utilize your credit card account and can be used wherever personal checks are accepted.Carry this check with you,so you'll be prepared for any expense. • Use a check for emergencies,everyday expenses,large bills like home or car repairs,or when you can't use your credit card. • You can write them up to the unused portion of your credit line,but no single check or other transaction from this offer can exceed S30,000. Single transactions that exceed S30,000 will be declined.Just make sure you have enough available credit for the transaction(s),interest,and any related fees. Access your Cash Line Instantly** You can always Access Cash Now through automated teller machines(ATMs)worldwide when you use your credit card and your PIN.Don't have a PIN—call 1-800-297-4970 and select your PIN now. **Daily and transaction system and ATM limits apply.Additional ATM fees may apply. Mal 3061 Must post to your account by the posting date/void dated 08/08/2009 to get the APR stated in your offer JOSEPH P RUANE 2518 133 WESTGATE DR co MOUNT HOLLY SPRINGS PA 17065-2010 rt1 999 DATE 56-1551/441 PAY TOTHE ORDER OF Jt 6 Void Void Void Void Voisirs THIS DOCUMENT CONTAINS AN ARTIFICIAL WATERMARK,ABSENCE OF THIS FEATURE WILL INDICATE A COPY Payable through: a'3 First USA,Westerville,OH 43081 td H� pa MEMO SIGNATURE 1:044 L L 5 5 L L 1:3 3 7 L L9 3 9 6 3 78080 25 l8 Must post to your account by the posting date/void date of 08/08/2009 to get the APR stated in your offer JOSEPH P RUANE 2519 133 WESTGATE DR • MOUNT HOLLY SPRINGS PA 17065-2010 999 N DATE 56-1551/441 ZPAY TO THE ORDER OF 6 Void Void Void Void V of tars THIS DOCUMENT CONTAI NS AN ARTIFICIAL WATERMARK,ABSENCE OF THIS FEATURE WILL INDICATEA COP' Payable through: E4 Fast USA,Westerville,OH 431181 a 71,¢ 209 MEMO .SIGNATURE 9780500 1:044LL55L11:337L 3 7808i1' 25L9 Must post to your account by the posting date/void date of 08/08/2009 to get the APR stated in your offer JOSEPH P RUANE 2520 133 WESTGATE DR p MOUNT HOLLY SPRINGS PA 17065-2010 Lc) 999 DATE 56-1551/441 ZPAY TOTHE ORDER OF 5 Void Void Void Void Void THIS DOCUMENT CONTAI NS AN ARTIFICIAL WATERMARK,ABSENCE OF THIS FEATURE WILL INDICATEA COPY Payable through: First USA,Westerville,OH 43081 28 3 209 a• Q MEMO SIGNATURE 1:044LL55LL1:337LL93963780130 25 20 `IMPORTANT INFORMATION: The use of the attached check(s)or draft(s)will constitute a charge against your credit account APR:Your APR for the attached checks)is the standard rate for Cash Advance Checks on your account. Transaction Fee Finance Charges:Please see your Cardmember Agreement for any applicable transaction tees. Right to Decline:A checks are part of this offer,checks that post after the void.date disclosed or that are made payable to us or one of our related banks or companies will be declined.Under certain circumstances(for example.it your account is past due or over limit,or if we reasonably believe that you will be unable or unwilling to repay the balance or as described in your Cardmember Agreement),we may decline to process your transaction,in which case you will be notified. Payment Allocation:We may allocate payments to balances with low APRs(including balances with introductory and promotional APRs)before applying payments to higher APR balances.This means that any promotional period disclosed to you may be shorter based on your payment amounts and APRs on other balances. Default:Any introductory,promotional,or standard APRs are contingent on your complying with the terms at your amount_For example,if your payment to us'a not received by the date and time your payment is due:if your account is overlimit:or if a payment to us is not honored by your bank,the introductory,promotional,or standard APR offers may end and the APRs on all balances and new transactions on your account will adjust to the applicable rate and become effective as of the first day of the billing cycle in which the default occurs. Grace Period:A grace period will not apply to transactions from this offer. Cardmember Agreement:For further details about terms or conditions on your account,please refer to your Cardmember Agreement. Other Items:II your credit line(credrt access line?revohring credit line for Visa Signalure;World MasterCard accounts)or cash access line,which may appear within,is towered for any reason since the time your account was selected for this offer,it could affect the available credit on your account and your ability to take advantage of this offer.If you pay any disputed amounts,you may lose your right to dispute them.This offer is not valid if your amount has been converted to any other product type,such auto or from a°co brand`or other'rewards'account If applicable,only checks that we issue to your account are valid.Checks from this offer deposited into your bank account at any bank(including any of our banks)may be subject to a delay in the availability of those funds.Checks used to access your account must be presented to us in paper form.If a check is presented to us electronically.we may not be able to accept A due to certain check processing rules we must adhere to. DSC12714 P< m ■ z 0 °o m z fTi IMES z fi{ o r7=1 r—s n ® m a o 3 9, m v ......7 2 A w so a yy m2m D rl r y mm CI O ti C = P t'? 2 m 8 Ix m z O x O A Z Z S I O a m z a in 9 r i ii A 2 o r o 2 9 O Z Cp P "! Z m 8 9780500 P‹ z 0 51 0 $ °o zr z 24 I m 6U m a , 9 R 4 9 m 3 I o A °z E so o • i 9 p gm 61 y 2 p g FL' fR• z m Co 1 8 Payment Due Date New Balance• _ Past Due Amount Minimum Payment 08/03/09 $8,354.16 $0.00 $167.00 Account number:4266 8411 9396 3780 • Make your check payable to: Chase Card Services. Please write amount enclosed. New address ore-mail? Print on back. 426684119396378000016700008354160000002 22873 BEXZ 19009D I,rJII�IrrLdrl�rlr,Ilrrrl rlr rr rllrLLrr IIr,LLrrIIr rlLrl JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 I111111ur111uullurlrlruirlilunrrllllnnrllnrllurl,Il 1:5000160 281: 203 1 19 396 378060 Statement Date: CHASE0 06/10/09-07/09/09 /® Manage your account online: www.chase.com/creditcards Minimum Payment: $167.00 Payment Due Date: 08/03/09 Additional contact information conveniently located on reverse side ACCOUNT SUMMARY VISA Account Number: 4266 8411 9396 3780 Previous Balance $6,937.00 Total Credit Line $19,500 Payment,Credits -$140.00 Available Credit $11,145 Purchases,Cash,Debits +$1,500.00 Cash Access Line $3,900 Finance Charges +$57.16 Available for Cash $2,342 New Balance $8,354.16 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 06/27 Payment Thank You Electronic Chk -140.00 06/25 82518 CHECK TO AMANDA H RUANE 1,500.00 06/29 TRANSACTION FEE 45.00 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 .00000% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V.05271% 19.24% $16.54 $0.26 $45.00 $0.00 $45.26 Balance transfer .00000% 0.00% $6,876.33 $0.00 $0.00 $0.00 $0.00 Promotional summary V.05271% 19.24% $752.77 $11.90 $0.00 $0.00 $11.90 Total finance charges $57.16 Effective Annual Percentage Rate(APR): 19.24% Please see Information About Your Account section for balance computation method,grace period,and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges-including transaction fees such as cash advance and balance transfer fees-expressed as a percentage. IMPORTANT NEWS Put your account on vacation mode! Visit chase.com today! Sign-up for account alerts to get balance and due date 9780500 reminders,even pay your credit card bill from your checking account- automatically. Or,go paperless. Safe,secure,available 24/7 anywhere! Discover your favorite Starbucks Vivanno Smoothie! They come in three fantastic flavors: Orange Mango Banana,Banana Chocolate&Strawberry Banana. Each contains 280 calories or less,has great nutritional benefits and tastes sensational! This Statement is a Facsimile -Not an original 0000001 F1033338 D 5 000 N Z 09 09/07/09 Page 1 of 1 05686 MAMA 22873 19010000050002287301 X IN013913 • Address Change Request • Please provide information below only if the address information on front is incorrect. Street Address: City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: L To contact us regarding your account: _ By Telephone: MIS= J In U.S. 1-800-945-2000 Espanol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Website: TDD 1-800-955-8060 Pay by phone1-800-436-7958 P.O.Box 15298 P.O.Box 15153 www.chase.comicreditcards 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 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 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 most 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 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 days 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 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 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 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 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 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 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 as 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 from your check to make an electronic fund transfer funds may be on a transaction,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 lull 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 vies 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.C. 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 itiapatt or if any such check is received at any other address,we bill,write Customer Service on a separate sheet at P.D.Box 15299 9a$ he 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.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 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 hem 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 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 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 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 more than 650 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 vie mailed you the advertisement for the property Agreement,as amended. or services. MA11140e Payment Due Date New Balance Past Due Amount Minimum Payment 09/03/09 $8,209.00 $0.00 $164.00 Account number:4266 8411 9396 3780 Make your check 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 e-mail? Print on back. Initials uate 426684119396378000016400008209005889832 067289Exz22109D 611111.6.11.1.11.61 lIu.1.Inn11166u11..61.1111.dl.J JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 1...111..1111....111..661111111 1111 IL.dL..6il 1:5000 160281: 2031 1193963780611' CHASE 0 /10/09- 8/09/0 o7n o/os-08/09/09 Manage your account online: www.chase.com/creditcards Minimum Payment: $164.00 Payment Due Date: 09/03/09 Additional contact information ACCOUNT SUMMARY VISA Account Number: 4266 8411 9396 3780 conveniently located on reverse side Previous Balance $8,354.16 Total Credit Line $19,500 Payment,Credits -$170.00 Available Credit $11,291 Finance Charges +$24.84 Cash Access Line $3,900 New Balance $8,209.00 Available for Cash $2,488 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 08/01 Payment Thank You Electronic Chk -170.00 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 .00000% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V.05271% 19.24% $32.45 $0.53 $0.00 $0.00 $0.53 Balance transfer .00000% 0.00% $6,797.00 $0.00 $0.00 $0.00 $0.00 Promotional summary V.05271% 19.24% $1,487.62 $24.31 $0.00 $0.00 $24.31 Total finance charges $24.84 Effective Annual Percentage Rate(APR): 19.24% Please see Information About Your Account section for balance computation method,grace period,and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges-including transaction fees such as cash advance and balance transfer fees-expressed as a percentage. IMPORTANT NEWS Please note you have a new payment due date that has been extended to give you more time to pay.The new payment due date is reflected on this statement.If you prefer to select a payment due date that better meets your needs, 9780500 please call Customer Service. 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 e-mail or text alerts to remind you that your payment is due,or login to Chase.com/creditcard&have your payment automatically deducted from your checking account! Getting DIRECTV is FREE and EASY!Ask how to Save$21 a month for one year.DIRECTV offers access to as many as 265 channels,all in 100%digital picture&sound. Call 1-888-866-2885 now and identify yourself as a Chase cardmemberl Save 10%at La Quinta Inns&Suites(R)where your travel dollars go even further with FREE Bright Side Breakfast, FREE High-Speed Internet and Comfy beds. Book now through 9/30/09 at www.LQ.com/Chasel0 or call 1-800-SLEEP-LQ(753-3757)and ask for promo"Chasel0". This Statement is a Facsimile -Not an original 0000005 FIS33338 D 8 000 N Z 09 09/08/09 Page 1 011 05686 MAMA 08728 22110000080000872801 X INS13988 INS13601 INS13915 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: — City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: — L To contact us regarding your account: _ O By Telephone: 7 \� /,q, MUM In U.S. 1-800-945-2000 iC�l EspaPlol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Webslte: _ 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 - 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 least your minimum payment due to our Payments address shown transactions or other debits(including fees,unpaid finance charges r • 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 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.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 as 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 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 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 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 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. 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 an 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,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 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 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,most 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 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 ilispgtt 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 9 aBQ he 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.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 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 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 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 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 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. MA111408 Payment Due Date New Balance Past Due Amount Minimum Payment 10/04109 $8,067.25 • $0.00 $161.00 Account number:4266 8411 9396 3780 want to urchase Make your check payable to: (Chase Payment P otectorl Chase Card Services. Plan.I've read the Benefits& Please write amount enclosed. Disclosures on back of insert. New address or e-mail? Print on back. Inrt1815 Date 42668411939637800001610000806725000000005909329 224776EXZ25209D 6„1111 lrr l rrl.l..1rrll,rddrrrrll,rlrrrlI. I,I,rrllrrl6rl JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 lurlllwllinnllnrlrinrlrl llunnllil Ilnrllurltll 1:5000 /60 281: 20 3 L L9 396 378060 Statement Date: CI-15 E 0 08/10/09-09/09/09 r»«„ Manage your account online: www.ch a se.com f c re d it ca rd s Minimum Payment: $161.00 Payment Due Date: 10/04/09 Additional contact information conveniently located on reverse side ACCOUNT SUMMARY Account Number: 4266 8411 9396 3780 Previous Balance $8,209.00 Total Credit Line $19,500 Payment,Credits -$165.00 Available Credit $11,432 Finance Charges +$23.25 Cash Access Line $3,900 New Balance $8,067.25 Available for Cash $2,465 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 09/02 Payment Thank You Electronic Chk -165.00 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 .00000% 0.00% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V.05271% 19.24% $1,423.08 $23.25 $0.00 $0.00 $23.25 Balance transfer .00000% 0.00% $6,754.55 $0.00 $0.00 $0.00 $0.00 Total finance charges $23.25 Effective Annual Percentage Rate(APR): 19.24% Please see Information About Your Account section for balance computation method,grace period,and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges-including transaction fees such as cash advance and balance transfer fees-expressed as a percentage. IMPORTANT NEWS 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 e-mail or text alerts to remind you that your payment is due,or login to Chase.com/creditcard&have your payment automatically deducted from your checking account! 9780500 Getting DIRECTV is FREE and EASY!Ask how to Save$21 a month for one year.DIRECTV offers access to as many as 265 channels,all in 100%digital picture&sound. Call 1-888-866-2885 now and identify yourself as a Chase cardmember! This Statement is a Facsimile -Not an original 0000001 F1833336 D 9 000 N Z 09 09/09/09 Page 1 of 1 05686 MA MA 22477 25210000090002247701 X INS13598 84513819 INS13914 • Address Change Request • • • Please provide information below only if the address information on front is incorrect. Street Address: City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: L To contact us regarding your account: _ By Telephone: ® 4) In U.B. 1-800-945-2000 Lam` vtl'Ji Espanol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visn Our Website: TDD 1-800-955-8060 • Pay by phone 1-800-436-7958 P.O.Box 15298 P.O.Box 15153 www.chase.com/creditcards ENIEM 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 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 MIME 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 data 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 as 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 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 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 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. eyelets),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.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 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 onetime 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,tee.or finance charge from the date it is added to withdrawn from your account as soon as the some day we receive your your daily balance until payment in lull 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 avant 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 as 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 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 9717a$ihe 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.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 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.If your account is closed by you or us,we will continue cannot report you as delinquent or take action to collect the amount re 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 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 transter/convenience checks and cash number shown on this statement)must reach as 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 only when the purchase price was more than 650 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 vie 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. auntr as Payment Due Date New Balance Past Due Amount Minimum Payment 11/03109 $7,968.52 $0.00 $159.00 Account number:4266 8411 9396 3780 I purchase Make your check payable to: Chase Fraud Detector.a Chase Card services. I've read the Benefits and Please write amount enclosed. I've on back of insert. New address ore-mail?Print on back. initials Date 42668411939637800001590000796852000000005925640 80822 BEX Z 28209D lfl,lll l,,I. IrI� 1, II�rrl,lrrrrllrl,Irrrllrrl,Lr II.rllrrl JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 llrrlllrrJllrrrrllrrrl,lrrrl,lll 1111 1111.111111,11 1:5000 160 281: 20 3 1 19 396 3 78060 slate- 09 0/09-1 09/09 rat Manage your account online: from CHASE www.chase.com/creditcards Minimum Payment: $159.00 Payment Due Date: 11/03/09 Additional contact information ACCOUNT SUMMARY Account Number: 4266 8411 9396 3780 conveniently located on reverse side Previous Balance $8,067.25 Total Credit Line $19,500 Payment,Credits -$165.00 Available Credit $11,531 Finance Charges +$66.27 Cash Access Line $3,900 New Balance $7,968.52 Available for Cash $2,442 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 10/02 Payment Thank You Electronic Chk -165.00 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 .02189% 7.99% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V.05271% 19.24% $1,445.74 $22.86 $0.00 $0.00 $22.86 Balance transfer .02189% 7.99% $6,609.60 $43.41 $0.00 $0.00 $43.41 Total finance charges $66.27 Effective Annual Percentage Rate(APR): 9.87% Please see Information About Your Account section for balance computation method,grace period,and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges-including transaction fees such as cash advance and balance transfer fees-expressed as a percentage. IMPORTANT NEWS Your Chase Platinum card is now called Slate.You will see Slate on your statement and online.Your account number, expiration date and credit limit have not changed.Now you can manage your finances on your terms with Blueprint. Visit www.chase.com/blueprint for additional details. 9780500 This Statement is a Facsimile -Not an original 0000001 FIS33338 D 0 000 N Z 09 09/10/09 Page 1 of 1 06598 MA MA 80822 28210000080008082201 X INS14078 INS13923 • • • • • Address Change Request Please provide information below only R the address information on front is incorrect. Street Address: City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: — L To contact us regarding your account: _ By Telephone: 7 ® In U.S. 1-800-945-2000 Espanol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Website: TDD 1.800-955-8060 Pay by phone 1-800.436-7958 P.O.Box 15298 P.O.Box 15153 www-chase.com/creditcards — Outside U.S.call collect Wilmington,DE 19850-5298 Wilmington,DE 19886-5153 1-302-594-8200 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 any new 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 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 days 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 an on any day except December 25 by 1:00 p.m.focal 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 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 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 01 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.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 rates)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 as 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 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 lull 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 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 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 di ut 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 9r7)r `MIUhe 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.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 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 o1 the annual tee 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 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 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 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 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 stiles 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. MA111408 Payment Due Date New Balance Past Due Amount Minimum Payment 12/04/09 $7,876.54 $0.00 $157.00 Account number:4266 8411 9396 3780 + Make your check payable to: $ chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 42668411939637800001570000787654000000000000003 08178 BEX Z 313090 iruillrinlnlllnlnllnrlllm rllrlriurllnlrinrllr rl lrrl JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 Inrlllnrillnnllurlrinrlrlll Illlnnrllnrllurlrll ,:5000 160 281: 2031 /93963780611' slate- Statement Date: 10/10/09-11/09/09 • Manage your account online: from CHASE 0 www.chase.com/credhcards Minimum Payment: $157.00 Payment Due Date: 12/04/09 Additional contact information ACCOUNT SUMMARY Account Number: 4266 8411 9396 3780 conveniently located on reverse side Previous Balance $7,968.52 Total Credit Line $19,500 Payment,Credits -$160.00 Available Credit $11,623 Finance Charges +$68.02 Cash Access Line $3,900 New Balance $7,876.54 Available for Cash $2,418 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 11/01 Payment Thank You Electronic Chk -160.00 [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 .02189% 7.99% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V.05271% 19.24% $1,469.15 $24.01 $0.00 $0.00 $24.01 Balance transfer .02189% 7.99% $6,465.65 $44.01 $0.00 $0.00 $44.01 Total finance charges $68.02 Effective Annual Percentage Rate(APR): 10.26% Please see Information About Your Account section for balance computation method,grace period,and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges-including transaction fees such as cash advance and balance transfer fees-expressed as a percentage. IMPORTANT NEWS Getting DIRECTV is EASY with packages starting at $29.99/mo.DIRECTV offers access to as many as 265 channels, all in 100%digital picture&sound.Call 1-888-866-2885 now and identify yourself as a Chase cardmember! 9780500 This Statement is a Facsimile -Not an original 0000001 FIS33338 D 9 000 N Z 09 09/11/09 Page 1 of 1 06598 MA MA 08178 31310000090000817801 X INS14320 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: — City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: _-- --- ---- E-mail Address: - L To contact us regarding your account: _ By Telephone: ' mon J In U.S. 1-800-945-2000 "Q Espanol 1-888446-3308 Send Inquiries to: Mall Payments to: Visit Our Website: TDD 1.800.955-8060 Waal= 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 intormation 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 ■ 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 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 daily to an 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 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 tines 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 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 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 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 as either to use information from your check to make the periodic finance charges for the billing cycle,except far 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,lee: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 lull 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 en 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 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 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 alis$ppo�atee�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 9$a$ImIUhe 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.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 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 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 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 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 more than 650 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. MA111408 Payment Due Date New Balance Past Due Amount Minimum Payment 01/03110 $7,782.10 $0.00 $155.00 Account number:4266 8411 9396 3780 I want to purchase optional Make your check payable to: Chase Fraud Detector. yW; Chase Card Services. I've mad the Benefits and Please write amount enclosed. Disclosures on back of insert. New address or e-mail? Print on back. Initials uate 42668411939637800001550000778210000000005969017 087016E%Z 343090 IrrrIllJrrl,rlrlrrlrrllrr Jrlr rrrllrlrl,rrll,rl,LrJlydLrl JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 Irrrlllrrrlllrrrrllrrrlrlrrrlrlll lllI11rrrllrrrllrrrlrll 1:5000 160 281: 20 3 i 19 396 3 780610 slate- Statement tt 0/9 12/09/09 »»1 Manage your account online: from CHASE 0 www.chase.comfcreditcards Minimum Payment: $155.00 Payment Due Date: 01/03/10 Additional contact information ACCOUNT SUMMARY Account Number: 4266 8411 9396 3780 conveniently located on reverse side Previous Balance $7,876.54 Total Credit Line $19,500 Payment,Credits -$160.00 Available Credit $11,717 Finance Charges +$65.56 Cash Access Line $3,900 New Balance $7,782.10 Available for Cash $2,394 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 12/05 Payment Thank You Electronic Chk -160.00 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 .02189% 7.99% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V.05271% 19.24% $1,492.96 $23.61 $0.00 $0.00 $23.61 Balance transfer .02189% 7.99% $6,388.63 $41.95 $0.00 $0.00 $41.95 Total finance charges $65.56 Effective Annual Percentage Rate(APR): 9.98% Please see Information About Your Account section for balance computation method,grace period,and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges-including transaction fees such as cash advance and balance transfer fees-expressed as a percentage. IMPORTANT NEWS Omaha Steaks exclusive offer to Chase Cardmembers!Save 52%on the Value Collection and get FREE SHIPPING,PLUS 6 FREE burgers!Call 1.800.960.8400,tell them you have a Chase card and ask for offer 45491CDE or go to www.OmahaSteaks.com/statement.Stock up and SAVE,Order Now! 9780500 This Statement is a Facsimile -Not an original 0000001 FIS33338 0 5 050 N Z 09 09/12/09 Page 1 o11 06588 MA MA 08701 34310000050000870101 X INS139371NS13933 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: — City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- E-mail Address: L To contact us regarding your account: 0 J By Telephone: MESE In U.S. 1-800-945-2000 . J — Esparto! 1.888.446-3308 Send Inquiries to: Mall Payments to: Visit Our Webslte: TDD 1-800-955-8060 Pay by phone1-800.436-7958 P.O.Box 15298 P.O.Box 15153 www.chase.comicreditcards 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 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 EMS 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 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 days 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 at 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 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 cyclets).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 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 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 v✓hen a monthly periodic ratels)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 as 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 from your check to make an electronic fund transfer.funds may be on a transaction,lee,or finance charge from the date it is added to withdrawn from your account as soon as the some 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 at 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 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 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 v lid��di�,�,ppo�utee�cr if any such check is received at any other address,we bill,write Customer Service on a separate sheet at P.O.Box 15299 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.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 fee is non- •Describe the error and explain,if you can,why you believe there is refundable unless you notify an 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 tee 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 Explauatioo 01 Finance Charges:Wecalculate 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:li 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 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. MA111408 Payment Due Date New Balance Past Due Amount Minimum Payment 02/03/10 $7,694.35 $0.00 $153.00 Account number:4266 8411 9396 3780 • Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 42668411939637800001530000769435000000000000000 064506Exz9100 Lr.III 1,r6d,Inlnilnrlr11,111111r14rr11111111rrllr111111 JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 lrrrlllrrrlllrrrrllrrrlrlrrrlr111 1111 Ilrrrllrrrlrll 1:5000 160 281: 20 3 1 19 39 6 3 780 610 slate- Statement Date: 12/10109-01/09110 ® Manage your account online: from CHASE 0 www.chase.com/creditcards Minimum Payment: $153.00 Payment Due Date: 02/03/10 Additional contact Information ACCOUNT SUMMARY Account Number: 4266 8411 9396 3780 conveniently located on reverse side Previous Balance $7,782.10 Total Credit Line $19,500 Payment,Credits -$155.00 Available Credit $11,805 Finance Charges +$67.25 Cash Access Line $3,900 New Balance $7,694.35 Available for Cash $2,370 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 01/02 Payment Thank You Electronic Chk -155.00 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 .02189% 7.99% $0.00 $0.00 $0.00 $0.00 $0.00 Cash advances V.05271% 19.24% $1,517.15 $24.79 $0.00 $0.00 $24.79 Balance transfer .02189% 7.99% $6,257.50 $42.46 $0.00 $0.00 $42.46 Total finance charges $67.25 Effective Annual Percentage Rate(APR): 10.37% 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. 9780500 This Statement is a Facsimile -Not an original 0000001 11033338 O 8 000 N Z 09 10/01/09 Page 1 of 1 00598 MAMA 96450 00810000080000645001 X INS14498 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: — City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: — -- L To contact us regarding your account: _ By Telephone: ® J In U.S. 1-800-945-2000 " Espanol 1-88846-3308 Send Inquiries to: Mall Payments to: Visit Our Webslte: TDD 1-800-955-8060 Pay by phone1-800-436-7958 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 balance for each day of the current billing cycle. - Crediting of Payments:For payments by regular U.S mail. 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 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. 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 t:00 p.m.local time at our balance to get the beginning balance for the next 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 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 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 eyelets).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 than add all of the results together,the total will also missed payments or other defaults an 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 for 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 you pay by check, monthly periodic rate and add the results together.The total will equal you authorize as 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 from your check to make an electronic fund transfer.funds may be on a transaction,tee,or finance charge from the date it is added to withdrawn from your account as soon as the some day we receive your your daily balance until payment in lull 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 torm 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.D. 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 ne is wrong,or if you need more information about a transaction on your v lid+i flee 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 a..a I he 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.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 fee is non- •Describe the error and explain,if you can,why you believe there is refundable unless you notify an 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.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 an 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 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 er 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 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 more than 650 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. Nn1114on Payment Due Date New Balance Past Due Amount Minimum Payment 03/06/10 $7,639.11 $0.00 $176.00 Account number:4266 8411 9396 3780 • Make your check payable to: _ , Chase Card Services. Please write amount enclosed. New address or e-mail?Print on back. 42668411939637800001760000763911000000000000002 19175 BEXZ 04010 D Iptllltllrl111tlitil1I1111llieltIIIII1It111I11IJI1111111Ii111 JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 118111111111III,IIllltlll11.11I11 !iii Ilntllutltll t:5000 160 281: 20 3 1 19 39 6 378060 slate,. ® Manage your account online: Additional contact information from CHASE!, www.chase.comlcreditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 8411 9396 3780 New Balance $7,639.11 Previous Balance $7,694.35 Payment Due Date 03/06/10 Payment,Credits $155.00 Minimum Payment Due $176.00 Interest Charges +$99.76 Late Payment Warning: Ewe do not receive your minimum New Balance $7,639.11 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 Opening/Closing Date 01/10/10-02/09/10 maximum Penalty APR of 29.99%. Total Credit Line $19,500 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Available Credit $11,860 you longer to pay off your balance. For example: Cash Access Line $3,900 Available for Cash $2,344 If you make no You will pay off Arid you will end up additional charges the balance paying an estimated total using this card and shown on this of... each month you statement in pay... about... Only the minimum 31 years $18,870.00 payment $266.00 3 years $9,581.00 (Savings=$9,289.00) If you would like information about credit counseling services,call 1-866-797-2885. ACCOUNT ACTIVITY Date of Transacton MerchantName or Transaction Description $Amount a r s t4**:1 EKv# )ft. r , »„ u : 02103 Payment Thank You Electronic Chk -155.00 ✓ . „ . NT 0 0 t MY,, , , t s k 02/09 CASH *INTEREST CHARGE' 2520 02/09 PURCHASE*INTEREST CHARGE' 74.56 TOTAL INTEREST FOR THIS PERIOD $99.76 9780500 ' 2UttRTnta1§Ygep##A4 Total fees charged in 2010 $0.00 Total interest charged in 2010 $99.76 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 14.24%(v) $0.00 $0.00 $0.00 Cash Advances 19.24%(v) $1,542.14 $25.20 $0.00 Balance transfer 14.24%(v) $6,165.52 $74.56 $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 F1533338 D 5 000 N Z 09 10/02/09 Page 1 of 1 06599 MA MA 19175 04010000050001917501 X INS14496 Address Change Request • Please provide information below only if the address information on front is incorrect. Street Address: City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- --_ ---- E-mail Address: — L To contact us regarding your account: _ By Telephone: 9 In U.S. 1-800-945-2000 TDD Espafol 1-888 1-800-95-445-86,1060 308 Send Inquiries to: Mall Payments to: Visit Our Webslte: P O.Box 15298 P.O.Box 15153 vvviv+.chase.wmlcred @cards Pay by phone 1-800-436-7958 coiled Outside U.S.call coiled Wilmington,DE 19850-5298 Wilmington,DE 19886-5153 1-302-594-8200 - Information about Your Account the same periodic rates.Variable rates will vary wdh the market based on the Prime Rate - Crediting 01 Payments:You may make payments by any of the options listed below.The (or such index described in yew Account Agreement).There la a minimum interest charge of$1.50 or such amount described in your Account Agreement) in any billing cycle in MEM amount should b of your payment shoueat least your minimum payment due.payable in U.S which you owe any periodic interest charges.and a transaction fee for each habnee transfer, = dollars and drawn or payable through a U.S financial institution or the U.S.branch of a cash advance,or check transaction.in the amounts staled in your Account Agreement,as h foreign financial institution. may be amended.There is a foreign trarsaelron tee o13%of the U.S.dotar amount of any You may nuke payments by regular U.S.mail.Send your payment to the Payments address foreign transaction(or such amount described in your Account Agreement). shown oil this statement.Your payments by mail must comply with the instructions on this How to Avoid Paying Interest on Purchases.We begin assessing periodic interest charges statement.Do not send ash.Write your Account number on your check or money order. on a imnsaMun,fee.or interest charge from the date it is added to your daily balance until Payments must be accompanied by the payment coupon in the envelope provided with your Account is paid in fun as described in your Account Agreement.Your due dale will our address visible through the envelope window;the envelope cannot contain more than be a minimum of 21 days following the close of each billing cycle.You an avoid periodic one payment or coupon;and there can be no staples,paper clips.tape or correspondence interest charges on new purchases when they are first billed to a statement as described included with your payment.It your payment is In accordancecvth our payment instructions bedvr.but this does not apply to balance transfers,cash advances or overdraft advances.If and is made available to us on any day by 5:00 p.m.local time at our Payments address on you receive a current monthly statement that includes new purchases and make a payment this statement,we will cretin the payment to your Account as of that day.If your payment that we receive by the date and thne the Minimum Payment Isola for that statement,wewib Is in a000rdallcewhh our payment instnlctons,but is made available to is after 5:00 Pint not charge periodic interest on any portion of those new purchases that we allocate such local time at the Payments address on this statement,we will credit It to your Account as payment to.so long as 1)your current statement also shoves that we revived payment of of the Text calendar day. the ending balance for your previous month's statement by the date and time Its Minimum You may make payments electronically through our webs&shown on this statement.if we Payment was due Dft 2)that the ending balance for year previous month's statement receive your completed request on our websne by 5 p.m.Eastern Time,are cull credit your was zero. It you have a balance other than a purchase balance and that balance careen a payment as of that day.It we receive your request cater 5 p.m.[astern Time.we will credit higher periodic 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 future date in your request we Purchases if you do not Day your balance m full each month,because we generally allocate will credt your payment as of that day. payments first to the balance with the highest periodic Interest rate. For all other payments or for any payment type above Ion which you do not follow our What To to If You Think Yon Find A Mistake On Your Statement payment instructions,crediting of your payments may be delayed for up to 5 days. If you think there is an error on your statement,write to us on a separate sheet at Customer Account latonnetlen Reported to Credit humus:We may report information about your Ser on,PO Box 15295 Wilmington,DE 19850-5299: Account to credit bureaus. Late payments.missed payments or other defaults on your In your letter,give us the following information: Account may be reflected in your credit report.If you think we have reported inaccurate information to a credit bureau,you may we'e to us at the inquiries address shown on this •Account information:Your name and Account number statement. •Dollar amount,The dollar amount of the suspected error. Notice About Electronic Check Convertmn:When you pay by check,you authoree us ether •Description of Problem.If you think there is an error on your bill.describe what you to use information from your check to make a one-time electronic fund transfer front your believe is wrong and why you believe it is a mistake. account or to process the payment as a check transaction.When we use information Irom your check to make an electronic fund transfer,funds may be withdrawn from your account You must contact is within"BO days after the error appeared on your statement. as soon as tie salsa day we receive your payment,and you will not receive your check Each from your financial institution Call the Customer Service number on this statement t you You must notify is of any potential errors in:voting.You may call us.,but t you do we have questions about electronic whack collection or do of want your payments collected are not required to investigate any potential errors and you may have to pay the amount electronically. in question Conditional Payments:Any payment check or other form of payment that you send us for While we investigate whether or not there has been an error,the following are tnre: less than the full balance due that is marked"Dail In full"or contains a similar notation,or •We cannot try to collect the amount in question,or report you as delinquent on that that you otterwise tender in full satislaction of a disputed amount,must be sent to Card amount. Vergers,P0.Box 15045,Wilmington,DE 19550-5049.We reserve all our rights regarding these payments(e.g.,e t is determined there is no valid dispute or it any such check is •The charge in question may remain on your statement,and we may continue to received at any other address,we may accept the check and you will soil can any remaining charge you interest on that amount.But,11 we determine that we made a mistake, balance).We may refuse to accept any such payment by returning it to you,not cashing t you will not have to pay the amount in question or any interest or other tees relates or destroying t.AtI other payments that you make should be sent to the regular Payment to that amount. address shown on this statement. •While you do not have to pay the amount in question.you are responsible for the Annual Renewal Notice:If your Account Agreement has an annual membership fee and remainder of your balance. sgS,sagragt br issuance or availability of your account.It wilt be willed each year or •We can apply any unpaid amount against your credit limit, terry installments.This tee candor charge are aced r+tether or not you use your Account.and you agree to pay them when billed.The annual fee and charge are Your Rights If You Are Dissatisfied With Your Credit Card Purchases non-refundable unless you notify as that you wish to close your account within 30 days or one billing cycle(whichever is less)after we provide the statement on which the annual her If you are dissatisfied with the goods or services that you have purchased with your credit or charge c billed and at the same tine.you pay your outstanding babnce In full.If you do card,and you have toed in good faith to correct the problem with the merchant,you may this,fora charge billed more often than annually 51.1011 as a monthly service charge,you will have the right not to pay the remaining amount due on the purchase. not owe the last biked charge.however,one billed charges are non-refundable and most To use this right.all of the following must be true: be paid as part of paying your outstanding balance in full Your payment of the annual lee or charge does not affect our rights to close your Account and to limit your right to make 1.The purchase must have been made in your home sale or within 100 mites of transactions on your Account.If your Account is closed by you or us.we will continue to your current railing address,and the purchase price must have been more than Impose the annual fee andbor charge until you pay your outstanding balance in lull and $50.(Note.Neither of these are necessary if your purchase was based on an terminate your Account relationship advertisement we nulled to you.or tun own the company that sold you tie goods or services.) Calculation of Balance Subject to Isle rest Rale:To Figure your periodic Interest charges for each baling cycle when a daily periodic rate(s)applies,we use the daily balance method 2.You must have used your cretl'card for the purchase.Purchases made with cash (including current transactions).To figure your periodic interest charges for each billing advances from an ATM or with a check that accesses your credit card Account is cycle when a monthly periodic rate(s)applies,we use the average daily balance method not qualify. (including current transactions).For an explanation of either method.or questions about 3.You must not yet have fully pail for the purchase. a particular interest charge calculation on your statement,please all us at the toll free customer service phone number listed above. If all of tire criteria above are net and you are still dissahslied with the purchase,contact as We calculate periodic Interest charges,using the applicable periodic rates shown on this in wrong at Customer Service,P.O.Box 15299 Wilmington, 19850-5299: statement,separately for each feature(e.g..balance transfer checks and cash advance White we investigate,the same rubs apply to the disputed amount as discussed above.After checks("check transaction"),purchases,balance transfers,cash advances.promotional we finish our investigation.we will tell you our decision.Al that point,if we think you owe balances or overdraft advances).These calculations may combine different categories wvith an amount and you do not pay we may report you as delinquent. MA1202009 Payment Due Date New Balance Past Due Amount Minimum Payment 04/06/10 $7,548.68 $0.00 $165.00 Account number:4266 8411 9396 3780 . Maae your check payable to: Chase Card Services. Please write amount enclosed. New address or a-mail?Print on back. 42668411939637800001650000754868000000000000003 197296Ex Z 06810 D Lull l tlulnitlnlrl llnrlrl n rllrLlrrrlLrLlntllnllrrl JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 Iurlllnrlllunllnrlrinrlrlli IIIIrnIJlurllruldl ':5000160 281: 2 0 3 L 9 3 9 6 3 7 8 0 6 0 slate- fro. ® Manage your account online: Additional contact information CHASED www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 8411 9396 3780 New Balance $7,548.68 Prevous Balance $7,639.11 Payment Due Date 04/06/10 Payment,Credits -$180 00 Minimum Payment Due $165.00 Interest Charged +$89,57 Late Payment Warning: If we do not receive your minimum New Balance $7,548 68 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 Opening/Closing Date 02/10/10-03/09/10 maximum Penalty APR of 29.99%. Total Credit Line $19,500 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Available Credit $11,951 you longer to pay off your balance. For example: Cash Access Line $3,900 Available for Cash $2,325 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 30 years $18,666 payment $263 3 years $9,471 (Savings=$9,195) If you would like information about credit counseling services,call 1-866-797-2885. ACCOUNT ACTIVITY Date of Transact on Merchant Name or Transaction Desc ption $Amount °t $NEZi SE WIME$ S Cl tpA* gf fl . $r.,..l... F ..<�...?:.e {,»}..s°, K 03/05 Payment Thank You Electronic Chk -180.00 .00 . r rr mmm } p y 0 . h ? . . . u r 03/09 CASH ADVANCE INTEREST CHARGE 23.11 03/09 BALANCE TRANSFER INTEREST CHARGE 66.46 TOTAL INTEREST FOR THIS PERIOD $89.57 9780500 ai/ g.,,.,. 2b7R=?t a Year;o4 ate'` 'e Total fees charged in 2010 $0.00 Total interest charged in 2010 $189.33 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 28 Days In Cycle Interest Rate Charges Charges Purchases 14.24%(v) $0.00 $0.00 $0.00 Cash Advances 19.24%(v) $1,565.58 $23.11 $0.00 Balance transfer 14.24%(v) $6,084.61 $66.46 $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 FIS33338 D6 000 N Z 09 10/03/09 Page 1 of 1 06590 MA MA 19729 06810000060001972901 X INS14552190145901NS14366 • Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- —_— ---- E-mail Address: L To contact us regarding your account: J _ By Telephone: 7 r - © In U.S. 1-800-945-2000 ,GPI Espanol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Webslte: TDD 1-800-955-8060 Pay by phone1-800-436-7958 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 Aboul Your Account the same periodic rates.Variable rates will vary with the market based on the Prime Rate Crediting DI Paymema:You may make payments by any of the options listed belosy.The (or such index described in your Account Agreement).There s a minimum interest charge payable in U.S.he of$1.50(or such amount described in your Account Agreement) in any billing cycle in amount of your payment should be at least your minimum payment due.pays which you owe any periodic interest charges.and a transaction fee for each balance transfer, = dollars and drawn or payable through a U.S.financial institution or the US.branch of a cash advance.or check transaction,in the amounts stated In your Account Agreement,as h foreign financial institution. may be amended.There is a foreign transaction fee of 31/4 of the U.S.dotter amount of any You may make payments by regular U.S mail.Send your payment to the Payments address foreign transaction(or such amount described in your Account Agreement). shown on this statement.Your payments by mall must comply with the instructions on this How to Avoid Paying Interest on Purchases:We begin assessing periods interest charges statement.Do not send cash.Write your Account number on your check or money order on a transaction,tee,or interest charge from the date it is added to your doily balance until Payments Inset be accompanied by the payment coreon in the envelope provided with your Account is paid in full,as described in your Account Agreement.Your due date wit our address visible through the envelope wisdom:the envelope cannot contain more than be a minimum of 21 days following the close of each billing cycle.You can avoid periodic one payment or coupon:and there can be no staples.paper clips,tape or correspondence interest charges on new purchases when they are first billed to a statement as described includedvvth your payment.If your payment is in accordance oath our payment instructions below but this does not appty to balance transfers,cash advances or overdral advances.If and is made available to us on any day by 5:00 p.m.local time at our Payments address on you receive a current monthly statement that includes new purchases and make a payment this statement,we will credit the payment to your Account as of that day.If your payment that we receive by the date and time the Minimum Payment IS due for that statement,we wilt Is in accordance with our payment instructions,but is made available to is after 5:00 p.m not charge periods interest on any portion of those new purchases that we allocate such local time at the Payments address on this statement.we will credit It to your Account as payment to,so long as 1)your current statement also shows that we received payment of of the next calendar day. the ending balance for your previous month's statement by the date and ante its Minimum You may make payments electronically through our webslte shown on this statement.If we Payment was due OR 2)that the ending balance for your previous month's statement receive your completed request on our websde by 5 p.m.Eastern Time,we wwtl credit your was zero. If you have a balance other than a purchase balance and that balance carries a payment as of that day.If we teceive your request after 5 p.m.Eastern Time,we will credit higher periodic interest role,you may not be able to avoid periodic interest charges on new your payment as of the next caboda day.li you speedy a future dale in you request we Purchases if you do not pay your balance in full each month,because we generally allocate will credit war payment as of that day. payments first to the balance with the highest periodic interest rate. For all other payments or for any payment type above for which you do not follow our What To to if Yoe Think You Find A Mistake On Your Statement payment instructions,crediting of your payments may be delayed for up to 5 days. If you think there Is an error on your statement,write to us one separate sheet at Customer Account Information Reported to Credit Bureato:We may repel information about your Service,P0.Sox 15299 Wilmington,DE 19850-5299: Account to credit bureaus. Late payments,missed payments or other defaults on your In your leder,give us the tollowtg information: Account may be reflected in your credit report.If you think we have reported inaccurate information to a credit bureau,you may write to es at the Inquiries address shown on this •Account Information:Your name and Account number statement. •Dollar aitwunt.The dollar amount or the suspected error. Nonce About Eteeireelc Check Conversion:When you pay by check,you authorize an either •Description of Problem.if you think there is an error on your bill describe what you to use information from your check to make a one-time electronic fund transfer from your believe is wrong and why you believe it is a mistake account or to process the payment as a check transaction.When we use Information irom your check to make an electronic fund transfer,funds may be withdrawn Irvin your account You most contact is within 60 days after the error appeared on your statement. as soon as the same day we rive your payment,and you will not receive your check back You must notify Is of any potential errors in writing.You may call us.bin H you do we from your tinarioial institution.Call the Customer Service number on this statement if you are not required to investigate any potential errors and you may have to pay the amount have questions about electronic check collection or do not want your payments collected electronically. in question. Conditional Payments:Any payment check or other form of payment that you send us for While we Investigate whether or not there has been an error tits following are talpayment less than the full balance due that is marked"paid In full'or contains a similar notation,or •We cannot try to collect the amount in question,or report you as delinquent on that that you otherwise tender in full satisfaction of a disputed amount must be sent to Card amount. Services,P0.Box 15049,Wilmington,DE 19850-5049.We reserve all our rights regarding these payments(e.g.,H d is determined there is no.slid dispute or if any such check is •The charge in question may remain on your statement,and we may continue to received at any other address.we may accept the check and you•will still owe any retaining charge you interest on that amount But,If We determine that we made a mistake, balance).We may refuse to accept any such payment by retum'mg it to you,not cashing II you will not have to pay the amount in question or any interest or other 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 statement. •While you do not have to pay the amount in question,you are responsible for the Annual Renewal Notice:If your Account Agreement has an amoral membership fee and remainder of your balance. �4�Sjtj�t�r I'r^foe Issnsnce or availebillty of your account,t will be hiller!each year or •We can apply any unpaid amount against your credit limit. t d blbnents.TMs tee and err charge are owed whether ar not you use your Account.and you agree to pay them when billed,The annual tee and charge are Tour Rig Ms If You Are Diasattaaed With Your Credit Card Purchases non-refundable unless you notify us that you wish to close your account within 30 days or one billing cycle(whichever is less)after we provide the statement on which the annual fee If you are dissatisfied oath the goods or services that you have purchased with your credit or charge is billed and at the same tile,you pay your outstanding balance in full.II you do merit,and you have teed in good faith to correct the problem with the merchant,you may this,for a charge billed more often than annually such as a monthly service charge.you will have the right not to pay the remaining amount due on the purchase. not owe the last hiked charge,however,prior billed charges are non-refundable and must To use this right all of the following must be true: be paid as part of paying your outstanding balance in lull,Your payment of the annual fee or charge does not affect our rights to close your Account and to limit your right to make 1.The purchase must have been made in your home state or within 100 miles of transactions on your Account.H you Account is closed by you or us,we will continue to your current mailing address,and the purchase price must have been more than impose the annual for and/or charge until you pay'your outstanding balance in full and $50.(Note.Nether of these are necessary if your purchase was based on an terminate your Account relationship advertisement we mailed to you.or if we own the company that sold you the goods or services.) Calculation of Balance Subject to Interest Rate:To figure your periodic interest charges for each billing cycle when a daily periodic rate(sj applies,we use the daily balance method 2.You must have used your credit C311 101 the purchase.Flitches.made With cash (including current transactions).To figure your periodic interest charges for each billing advances imin an ATM or with a check that accesses your credit card Account do cycle when a monthly periodic rate(s)apples,we use the average daily balance method not quality. (including current transactions). For an explanation of either method,or questions about 3.You must not yet have fully paid for the purchase. a partsoler interest charge calculation on your statement,please call us at the toll free customer service phone number listed above. It all of the criteria above ars met and you are still dissatisfied with the purchase,contact us We calculate periodic interest enlarges,using the applicable periodic rates shown on this in writing at Customer Service,PD.Box 15299 Wilmington DE 19850-5299: statement,separately for each feature(e.g..balance transfer checks and cash advance Whilewe investigate,the same rules apply to the disputed amount as discussed above.After checks("check transaction"),purchases,balance transfers,cash advances,promotional we finish our investigation.we will tell you our decision.Al that point,If we think you owe balances or overdraft advances).These calculations may combine different categories with an amount and you do not pay we may report you as delinquent. MA1202009 Payment Due Date New Balance Past Due Amount Minimum Payment 05/06/10 $7,481 83 $0.00 $172.00 Account number:4266 8411 9396 3780 . Make your check payable to: Chase Card Services. Please write amount enclosed. New address ore-mail? Print on back. 42668411939637800001720000748183000000000000002 683798EX Z 09910 D In III I∎la le lrll'lulln IIJr•..I 1 J,IrrrllrrLlrrrll,dI JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 l 111 r�IIIrrrJl,lrlrlrrrlrlll IIll,rtrrllrrrilrrrlrll 1:5000 160 281: 20 3 1 19 3 9 6 3 780 611° slate. ® Manage your account online: Adtlhional contact information from CHASE0 www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 8411 9396 3780 New Balance $7,481.83 Previous Balance $7,546.68 Payment Due Date 05/06/10 Payment,Credits -$165.00 Minimum Payment Due $172.00 Interest Charged +$96.15 Late Payment Warning: If we do not receive your minimum New Balance $7,481.83 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 Opening/Closing Date 03/10/10-04/09/10 maximum Penalty APR of 29.99%. Total Credit Line $19,500 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Available Credit $12,018 you longer to pay off your balance. For example: Cash Access Line $3,900 Available for Cash $2,299 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 30 years $18,503 payment $261 3 years $9,391 (Savings=$9,112) If you would like information about credit counseling services,call 1-866-797-2885. ACCOUNT ACTIVITY Date of Transacton Merchant Name or Transaction Descr ption $Amount '' .'`..,ER t tf` INl::'S.r IA*4 ***WW EDfl `..,iYr..z ; ,.,,,...,E ,. Su:. MEN 04/03 Payment Thank You Electronic Chk -165.00 .,i..t 3t.3lG.S ' tv S'1 h.Le.ngi it*** rOAM ).uPi... L..L... t .��,�<t t..o-....r 04/09 CASH ADVANCE INTEREST CHARGE 25.93 04/09 BALANCE TRANSFER INTEREST CHARGE 72.22 TOTAL INTEREST FOR THIS PERIOD $98.15 9780500 ...., . , gi;; tt rtyWSr4i iltgx.,.2'f s t...,..,.r Total fees charged in 2010 $0.00 Total interest charged in 2010 $287.48 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 14.24%(v) $0.00 $0.00 $0.00 Cash Advances 19.24%(v) $1,586.80 $25.93 $0.00 Balance transfer 14.24%(v) $5,972.16 $72.22 $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 F1533338 D6 000 N Z 09 10/04/09 Page 1 of 1 06598 MA MA 68379 09910000060006837901 X Address Change Request • Please provide information below only if the address information on front is incorrect. Street Address: City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: __— --- ---- E-mail Address: L To contact us regarding your account: =- © By Telephone: 7 In U.S. 1-800-945-2000 aa� Espafiol 1-888-046-3308 TDD 1-800-855-8060 Send Inquiries to: Mall Payments to: Visit Our Website: Pay by phone 1-800-436-7958 P.O.Box 15298 P.O.Box 15153 www.chase.comkreditcards Outside U.S.call collect Wilmington,DE 19850-5298 Wilmington,DE 19886-5153 1-302-594-8200 eseesexes Information About Your Account the same periodic rates.Variable rates will vary with the market based on the Prime Rate - Crediting of Payments:Yeu may make payments by any of the options listed bebw.The (or such index described in your Account Agreement).There la a minimum interest charge - amount of your payable in U.S. of$150(or such amount described in your Account Agreement) in any billing cycle in / payment should be at least your mlninmm payment due.pa, which you vane any periodic interest charges.and a transaction lee for each balancetranster, e dollars and drawn or payable through a U.S financial institution or the U.S.branch of a cash advance.or check transaction,in the ameninr stated 6 your Account Agreement as it foreign financial institution. may be amended.There is 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 foreign transaction(or such amount described in yourpccoum Agreement). shown on this statement Your payments by mail must comply with the instructions on this How to Avoid Paying Interest on Purchases:We begin assessing periodic interest charges statement.De not send ash.Write your Account number on your cheek or money order. on a transaction,fee,or interest charge from the date it is added to your daily balance until Payments must be accompanied by the payment coupon in the envelope provided with your Account is paid in full.as described in your Account Agreement.Your due date will our address visible through the envelope winder:the envelope cannot contain more than be a minimum of 21 days follc.ving the close of each billing cycle.You can avoid periodic one payment or coupon:and there can be rro staples,paper cigs,tape or correspondence interest charges on new purchases when they are first billed to a statement as described included wih your payment.If your payment is in accordance wth our payment instructions below.but this does not apply to balance transfers,cash advances or overdraft advances.If and is made available to us on any day by 5:00 p.m.local time at our Payments address on you receive a current monthly statement that includes new purchases and make a payment this statement,we will credit ills payment to your Account as of that day.If your payment that we recelve by the data and time the Minimum Payment Is due for that statement,we wilt Is In accordance with our payment Instructions,but a mark available to no atter SOD pent not charge periodic interest on any portion of those new puocases that we allocate such local tine at the Payments address on this statement,we will credit b to your Account as payment to.so long as 1)your current statement also sheers that we received payment of of the next calendar day. the ending balance for your previous months statement by the date and lime its Minimum You may make payments electronically through our Website shown on this statement.if we Payment was due SR 2)that the ending balance for your previous month's statement receive your completed request on our webste by 5 p.m.Eastem Time,we will credft your was zero. If you have a balance other than a purchase balance and that balance carries a payment as of that day.It we receive your request after 5 Dun.Eastem Time,we will credit higher periodic interest role,you may riot be able to avoid periodic Interest charges on new your payment as of the next calendar day.li you speedy a future date in your request we purchases if you do not pay your balance in fur each month,because we generally allocate will credit your payment as of that day. payments first to the balance with the highest periodic interest rate. For all other payments or for any'payment type above for which you do not follow our What To to If You Think Yon Find A Mistake On Your Statement payment instructions,crediting of your payments may be delayed for up to 5 days. II you think there is an error on your statement write to us on a separate sheet at Customer Account Information Reported to Credit Earnest:We may report intonnation about your Service.PD.Box 15299 Wilmington.DE 19850-5299'. Account to credit bureaus. Late payments,missed payments or other defaults on your In your letter,give us the to towing information: Account may be reflected in your credit report.It you think we have reported inaccurate information to a credit bureau,you may carte Is us at the Inquiries address shown on this •Account information:Your name and Account number statement. •Dollar amount'.The dollar amount of the suspected error. Notice About Bumph Check Conversion:When you pay by chuck,you authorise us ether •Description of Problem:If you think there is an error on your bill describe what you to use information from your check to make a one-time electronic fund transfer from your believe is wrong and why you believe t is a mistake. account or to process the payment as a check transaction.When we use information from your check to make an electronic fund transfer.funds may be withdrawn train your account You must contact is within"n0 days after the error appeared on your statement. as soon as the same day we raxive your payment,and you will not receive your deck back from your financial institution Call the Customer Service number on This statement t you You must notify us of any potential errors in writing.You may call us.but t you do we have questions about electronic check collection or do not want your payments collected are not required to investigate any potential errors and you may have to pay the amount electronically. in question. Conditional Payments:Any paymment check or other loan of payment that you send us for While we investigate whether or not then?has been an error thetolbwing are role: less than the full balance due that is marked'paid In lull°or contains a similar notation,or •We cannot try to collect the amount in quest ion,or report you as delinquent on that that you otherwise tender In full satisfaction of a disputed amount,must be sent to Card amount. Services,P.S.Brae 15049.Wilmington.DE 19850-5049.We reserve all our rights regarding these payments(e.g.,n a is determined there is no valid dispute or if any such check is •The charge in question may remain on your statement,and we may continue to received at any otter address,we may accept the check and you will still owe any remaining charge you interest on that amount.But,If we determine that we made a mistake, balance).We may refuse to accept any such payment by returning it to you,not cashing It you will not have to pay the amount in question or any Interest or other fees relater or destroying it.All other payments that you make should be sent to the regular Payment to that amount. address shoran on this statement. •While you do not have to pay the amount in question,you are responsible,for the Annual Renewal Wallet It you Account Agreement has an annual membership tee and' remainder of your balance. eyf scab l}ArpF for issuance or availability of your account.It will be billed each year or •We can apply any unpaid amount against your credit Ilmh. VittnollirWOrtedy instalbnents.This tee anrY'or charge are awed whether or not you use your Account.and you agree to pay them when billed.The annual fee and charge are Your Rights If Sou Are Dissatisfied With Your Credit Card Purchases non-refundable unless you notify us that you wish to close your account within 30 days or If you are dissatisflzd with the goods or services that you lave purchased with your credit om billing cycle(whichever is less)after we provide the statement on which the annual tee card,and you have bed in good faith to ere000 the problem with the merchant,you may or charge is billed and at the same tune,you pay your outstanding Manes in full.It you do have the right not to pay the good faith amount due on the purchase. this,fora charge billed more often than annually such as a monthly servix charge.you will not type the last killed charge:however,prior billed charges are non-refundable and must To use ilk right.all of the following must be true: be paid as pad of paying your outstanding balance in full.Your payment of the annual lee or charge does not affect our rights to close your Account and to limit your right to make 1.The purchase must have been made in your home state or within 100 miles of transactions on your Account.If your Account is closed by you or us,'we will 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 outstanding balance in full and 550.(Note.Neither of these are necessary it your purchase was based on an terminate your Account relationship advertisement we mailed to you,or if we own the company that sold you the goods or services.) Calculation of Balance Subject to Interest Rate:To figure your periodic interest charges for each ailing cycle when a deity periodic rate(s)applies,we use the daily balance method 2.You must have used your credit cud for the purchase.Purchases made with cash (including current transactions).To figure your periodic interest charges for each billing advances from an ATM or with a chuck that accesses your credit card Account do cycle when a monthly periodic rate(s)applies.we use the average[SIN balance method not Qualify. (including current transactions). For an explanation of either method,or gunshots about 3.You must not yet have fully pad for the purchase. a paribular interest charge calculation on your statement,please call us at the toll free customer service phone number listed above. t all of the criteria above are met and you are still dissatisfied with the purchase,contact us We calculate periodic interest charges.using the applicable periodic rates shown on this In wrong at Customer Service,P.O.Box 15299 Wilmington.DE 19850-5299. statement.separately for each feature 10.g..balance transfer checks and cash advance While we investigate,the same rules pet,'to the disputed amount as discussed above.After checks("check transaction"),purchases,balance transfers,cash advances,promotional we finish our investigation,we will tell you our decision.At that point,R we think you owe balances or overdraft advances).These calculations may combine different categories with an amount and you do net pay we may report you as delinquent. MA1202009 Payment Due Date New Balance Past Due Amount Minimum Payment 06/06110 $7,615.60 $172.00 $381.00 Account number:4266 8411 9396 3780 ` Make your check payable to: 'k Chase Card Services. Please write amount enclosed. New address or a-mail?Print on back. 42668411939637800003810000761560000000000000006 196236EXZ 12910 D l n ti I III is lultlrtlu I lu title tu dill tlrttllulrl tit llrIItill JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 Itttlllu.III...tll,tdtlt ultlllttttttIIILtuJlutlluJtll t:5000 1,60 281: 20311,939637806P sI ate' ® Manage your account online: Additional contact information from CHASE 0 www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 8411 9396 3780 New Balance $7,615.60 Previous Balance $7,481.83 Payment Due Date 06/06/10 Fees Charged +$39 Minimum Payment Due $381.00 Interest Charged x$94 77 Late Payment Warning: If we do not receive your minimum New Balance $7,615.60 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 Opening/Closing Date 04/10/10-05/09/10 maximum Penalty APR of 29.99%. Total Credit Line $19,500 Minimum Payment Warning:if you make only the minimum payment each period,you will pay more in interest and it will take Available Credit $11,884 you longer to pay off your balance. For example: Cash Access Line $3,900 Available for Cash $0 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 30 years $18,789 payment $266 3 years $9,558 (Savings=$9,231) If you would like information about credit counseling services,call 1-866-797-2885. ACCOUNT ACTIVITY Date of Transaction Merchant NameorTransacton Descript on $Amount MICEREEEMENSERREESOMMOWOOMENEENSIEREENNEMBRV 05/07 LATE FEE 3900 TOTAL FEES FOR THIS PERIOD $39.00 i s ,.??.r r zn r, toot1$`l' . mo 4 # r n$ �' t 3 r s j: ,.,r.a.t.,,z.....3�. �..,....u..':z ..... .,.... ...,......,. ,.,..,..r., < <...,...> e_r.,5�.,. ...a,...r .. ......: ....t..t.r<-s 05/09 PURCHASE INTEREST CHARGE .05 05/09 CASH ADVANCE INTEREST CHARGE 25.50 05/09 BALANCE TRANSFER INTEREST CHARGE 69.22 97806600 TOTAL INTEREST FOR THIS PERIOD $94.77 z...,<,i.. p1t1Ts#14eat gb40 ., Total fees charged in 2010 $39.00 Total interest charged in 2010 $382.25 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 30 Days In Cycle Interest Rate Charges Charges Purchases 14.24%(v) $3.90 $0.05 $0.00 Cash Advances 19.24%(v) $1,612.51 $25.50 $0.00 Balance transfer 14.24%(v) $5,914.98 $69.22 $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 FIS33338 D 9 000 N Z 09 10/05/09 Page 1 of 1 06598 MA MA 19623 12910000090001962301 X Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City: — State: -- Zip: ---- Home Phone: --- --- _--- Work Phone: --- --- ---- E-mail Address: — -- L To contact us regarding your account: OBy Telephone: 9 In U.S. 1-800-945-2000 Espanol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Webslte: 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 t Information About Your Account the same periodic rates.Variable rtes will vary with the market based on the Prime Rafe Crediting m Payments:You may make payments by any of the options listed belovw.The (or such index described in your Account Agreement).There is a minimum interest charge kEfflee amount of your payment should be least o1$1.50(Cr such amount described in your Account Agreement) in any billing cycle in N DY your minimum payment due.payable in U.S. which you owe any periodic interest charges.and a transaction fee for each balance transfer, dollars and drawn or payable through a U.S.financial institution or the US.branch of a cash advance.or check transaction,in the amounts stated in your Account Agreemment as it ` foreign financial institution. may be amended.There is a foreign transaction fee of 3%of the U.S.dear amount of any You may make payments by regular U.S.mail.Send your payment to the Payments address foreign transaction or such amount described in your Account Agreement). shown on tins statemem.Your payments by mall must comp'with the instructions on ibis now to Avoid Paying Interest on Purchases:We begin assessing periodic interest charges statement.Do not send cash.Write your Account number on your check or money order on a transaction,fee,or Interest charge from the date it is added to your daily balance until Payments must be accompanied by the payment coupon in the envelope provided with your Account 6 paid in full as described in your Account Agreement.Your due date will our address visible through the envelope Windom,the eirvebpe cannot contain more than be a minimum of 21 days following the close of each billing cycle.You can avoid periodic one payment or coupon;and there can be no staples,paper clips.tape or correspondence interest charges on new purchases when they are first billed to a statement as described included with your payment If your payment is in accordance cveh ow-payment instructions below,but this does not apply to balance transfers,cash advances or overdraft advances.If and is made available to us on any day by 5:00 p.m.local time at our Payments address on you receive a current monthly statement that includes new purchases and make a payment this statement,we will credf the payment to your Account as of that day.II your payment that we receive by the date and time the Minimum Payment is due for that statement,wewlH is In accordance with our payment Instructions.but is made available to us after 5:00 p.nt not charge periodic interest on any portion of those new purchases that we allocate such local time at the Payments address on this statement,we will credit h to your Account as payment to.so long as 1)your current statement also shows that we received payment of of the heat calendar day, the ending balance for your previous month's statement by the date and time its Minimum You may make payments electronically through our website shown on this statement.If we Payment was due OR 2}that the ending balance for your previous month's statement receive your completed request on err website by 5 p.m.Eastern Time,vie will credit your was zero. N you have a balance other than a purchase balance and that balance cairns a payment as of that day.If we receive your request after 5 p.m.Eastern Tune,we will credit higher periodic interest ale,you may not be able to avoid periodic interest charges on new your payment as of the rein calendar day.If you specify a future date in your rearrest we purchases if you do not pay your balance in full each month,became we generally allocate will credo your payment as of that day. payments first to the balance.with the highest periodic interest rate. For all other payments or for any payment type above for which you do rot follow our What To De If You Think You Find A Mistake On Your Statement payment instructions.crediting of your payments may be delayed for up to 5 days. If you think there is an error on your statement,write to us on a separate sheet at Customer Account Information Reported to Credit Bureaus:We my report information about your Service,PD.box 15299 Wibnington,OE 19850-5299 Account to credit bureaus. Late payments,missed payments or other defaults on your In your letter,give as the following information, Account may he reflected in your credit report.If you think•raw have reported inaccurate information to a credit bureau,your may write to us at the Inquiries address shown on this •Account information:Your name and Account number statement. •Dollar amount:The dollar amount of the suspected error. Notice About Beeirenie Check Conversion:When you pay by check,you author'¢e us either •Description of Problem:If you think there 5an error on your bit describe what you to use information from your check to make a transaction.to electronic fund transfer from your believe is wrong and why you believe R is a mistake. account or to process the payment as a check transaction.When we use information from your check to make an electronic fund transfer.funds may be withdrawn from your account You must contact an within 60 days after the error appearnd on your statement. as soon as the same day we receive your payment.and you will rot receive your check back from your financial institution.Call the Customer Service number on this statement it you You must comity us of any potential errors in welting.You may call us,but H you do we have questions about electronic check collection or do not want your payments collected are not required to investigate any potential errors and you may have to pay the amount electronically. in question. Condiliorat Payments:Any payment check or other form of payment that you send us for While via investigate whether or not share has been an error,the following are trace: less than the full balance due that is marked"paid in full"or contains a similar notation,or •We cannot try to collect the amount in question,or report you as delinquent on that that you otherwise tender In full satisfaction of a disputed amount,must be sent to Cant amount Services,P.O.Box 15049,Wilmington,DE 19850-5049.We reserve all our rights regarding these payments(e.g.,H e is determined there is no valid dispute or it any such uncoil is •The charge M quesern may remain on your statement,and we may continue 10 received at any other address,we may accept the check and you will still over any remaining charge you interest on that amount.Sul,if we determine that we made a mistake, balance).We may refuse to accept airy such payment by returning it to you,not cashing it you will not have to pay the amount in question or any interest or other lees relatec or destroying it.All other payments that you make should be sent to the regular Payment to that amount. address shorn on this statement. •While your do not have to pay the amount in question,you are responsible for the Annual Renewal Reties:If your Account Agreement has an annual membership fee and' remainder of your balance. & ril7arda for issuance or availability of your account it will be billed each year or •We can apply any unpaid amount against your credo limit. .•'h1 I�.ti�l{rterly ins[alhnents.This lee anrYor charge are awed vwlcethar or not you use you Account and you agree to pay them when billed.The annual fee and charge are Your Rights if You Are Dissatisfied With bear Credit Cam Purchases non-refundable unless you notify us that you wish to close your account within 30 days or one bitting cycle(whichever rs less)after ran provrdethe statement on orhich rho annual fee If you are dissatisfied 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 do card,and you have triad in good faith to correct the problem with the merchant,you may this.for a charge billed more often than annually such as a lronthly service charge,you will have the right not to pay rim remaining amount due on the purchase. not our the last hided charge,however,prior billed charges are non-refundable and must To use the right.all of the following most be true: be paid as part of paying your outstanding balance in full.Your payment of the annual fee or charge does not affect our rights to close your Account and to limit your right lo make 1.The purchase must have teen made in your home state or within 100 miles of transactions on your Account.If your Account is closed by you or us,we will 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 outstanding balance in full and 559.(Note:Neither of these are necessary it your purchase was based on an terminate your Aacouni relationship advertisement we nailed to you.or H we own the cotnpany that sold you the goods or services.) Calculation of Balance Subject to Interest Rale:To figure your periodic Interest charges for each billing cycle when a daily periodic atejs)applies,we use the daily balance method 2.You must have used your credit card for the purchase.Purchases made with cash ;including current transactions).To figure your prelude interest charges for each billing advances fro m an ATM or with a check that accesses your credit card Account do cycle when a monthly periodic rate(s)applies,we use the average daily balance method not qualify. (including current transactions). For an explanation of either method,or questions about 3.You must not yet 11aoefutN Paid coracle purchase a particular interest charge calculation on your statement,please call us at the toil free customer service phone number listed above. 11 all of the criteria above are met and you are still dissatisfied with the purchase,contact on We calculate periodic interest charges.using the applicable periodic rates shown on this in Writing at Customer Service,P.D.Box 15295 Wilmington.DE 19850-5299: statement,separately for each feature(e.0..balance transfer checks and cash advance While we investigate,the same rules app'tothe disputed amount as discussed above.After checks("check transacti•n"),purchases,balance transfers,cash advances,promotional we finish our investigation,we will tell you our decision.At that point,H we think you owe balances or overdraft advances).These calculations may combine different categories with an amount and you do not pay we may report you as delinquent. MA1202009 Payment Due Date New Balance Past Due Amount Minimum Payment 07/06110 $7,754.30 $381.00 $597.00 Account number:4266 8411 9396 3780 Make your check payable to: Chase Card Services. Please write amount enclosed. New address ore-mail? Print on back. 426684119396378000059700007754300000013000000006 159750EXZ 16010 D II IuInlri ill II milli will Win Iliiiiiii i Ili Mid JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 Lrr iilnr lllrrr rllrrr lr l nrlrllinnniIII...rrllr,Jirrrldl 1:5000 /60281: 203 / /93963780611' slate. Manage your account online: Addttional contact information from CHASED www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 8411 9396 3780 New Balance $7,754.30 Previous Balance $7,615.60 Payment Due Date 07/06/10 Fees Charged +$39.00 Minimum Payment Due $597.00 Interest Charged +$99.70 Late Payment Warning: If we do not receive your minimum New Balance $7,754.30 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 Opening/Closing Date 05/10/10-06/09/10 maximum Penalty APR of 29.99%. Total Credit Line $19,500 Minimum Payment Waming:If you make only the minimum payment each period,you will pay more in interest and it will take Available Credit $11,745 you longer to pay off your balance. For example: Cash Access Line $3,900 Available for Cash $0 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 31 years $19,129 payment $270 3 years $9,732 (Savings=$9,397) If you would like information about credit counseling services,call 1-866-797-2885. Your credit card account is past due. Please send payment immediately. Call 1-800-955-8030(collect 1-302-594-8200)today. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount „x> 06107 LATE FEE 39.00 TOTAL FEES FOR TH{IIS PE®R`I�O�D+ �,a.�. $39.00 P ! t I? ".M 5 i 7f'l ER T! a?� zr, s f.r... S j rt. 3si Y S 06/09 PURCHASE INTEREST CHARGE .05 06/09 PURCHASE INTEREST CHARGE .48 06/0 CASH ADVANCE INTEREST CHARGE 26.78 06f 78050 BALANCE TRANSFER INTEREST CHARGE 72.39 TOTAL INTEREST FOR THIS PERIOD $99.70 r 2ri1t2'4,014'Y*, late Total fees charged in 2010 $78.00 Total interest charged in 2010 $481.95 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 14.24%(v) $39.27 $0.48 $0.00 Purchases 14.24%(v) $3.77 $0.05 $0.00 Cash Advances 19.24%(v) $1,638.64 $26.78 $0.00 This Statement is a Facsimile-Not an original 0000001 FIS33338 D 13 000 N Z 09 10/06/09 Page 1 of 2 06598 MA MA 15975 16010000130001597501 X iNS14619 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: — 71 City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: L To contact us regarding your account: ® OBy Telephone: 7 In U.S. 1-800-945-2000 = Espanol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Website: _ TDD 1.800.955.8060 Pay by phone 1-800-436-7958 P.O.Box 15298 P.O.Box 15153 www-chase.com/creditcards Outside U.S.call collect Wilmington,DE 19850-5298 Wilmington,DE 19886-5153 1-302-594-8200 Information About Your Account the same periodic rates.Variable rates will vary wth the market based on the Prime Fate Credibly of Paymnnls:You may make payments by any of the opine listed below.The (or such index described in your Account Agreement).There is a minimum interest charge t payable in C.S. et$1.50(or such amount described in your Account Agreement) in any billing cycle in mount of your payment should be at least your mmimum payment die,pa, which you owe any periods interest charges,and atransaction lee for each balm.iranster, dollars and drawn or payable through a U.S financial institution or the US.branch of a cash advance,or check transaction,in the amounts slated in you AzcountAgreement,as h foreign financial institution, may be amended.There s 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 foregn transaction(or such amount described in your Acroum Agreement), shown on tMs statement.Your payments by mail must comply with the instructions on this How to Avoid Paying Interest on Purchases:We begin assessing periodic interest charges statement.Do nal send cash.Write your Account number on your check or stoney order. on a transaction.tee,or interest charge from the date it is added to your daily balance until Payments must be accompanied by the payment coupon in the envelope provided with your Account is paid in full as described 0 your Account Agreement.Your due date will our address visible through the envelope window;the envelope cannot contain more than be a minimum of 21 days following the close of each billing cycle.You can avoid cerbdic one payment or coupon:and there can be no staples,paper clips.tape or correspondence interest charges on new purchases when they are first billed to a statement as described included with your payment.If your payment is in accordance with our payment instructions below.bud this does not apply to balance transfers,cash advances or overdraft advances.If and is made available to us on any day by 5:00 p.m.local time at our Payments address on you receive a current monthly statement that induces new purchases and make a payment this statement,we will credit the payment to your Account as el that day.It your payment that we receive by the date and time the Minimum Payment Is due for that statement,we will Is In amgrdance with our payment instructions.but Is made available to is aner S:W p.m not charge periodic interest on any portion of those new purchases that we allocate such local time at the Payments address on this statement,we will credit It to your Account as payment to,so long as 1)your current statement also slows that vice received payment of of the neat calendar day. the ending balance for your previous month's statement by the date and time its Minimum You may make payments electronically through our webstte shown on this statement.If we Payment was due 05 2)that the ending balance for your previous month's statelme rat receive your completed request on our website by 5 p.m.Eastern Time,we will credit your eves zero. It you have a balance other than a purchase balance and that balance caries e payment as of that day.If we receive your request aner 5 p.m.Eastern Time,we will credit higher periodic interest ale,you may not be able to avoid periodic interest charges on new your payment as of the next calendar day.If you specify a future date in your request we purchases if you do not pay your balance in full each month,because we generally allocate will credit your payment es of that day. payments first to the balance with the highest periodic interest rate. For all other payments or for any payment type above for which you do not follow our Whal To De If Yon Think You Find A Mistake On Your Statement payment instructions,crediting of your payments may be delayed for up to 5 days. It you think there is an error on your statement,write to us on a separate sheet at Customer Amount lslomslloh Reported to Credit Bureaus:We may report information about your Service,PS Box 15299 Wilmington.OE 19850-5299. Account to credit bureaus. Late payments.missed payments or other defaults on your In your letter,give as the following information' Account:may be reflected in your credit report.N you think we have reported inaccurate information to a credit bureau,you may write to us at the Inquiries address shown on this •Account information:Your name and Account number statement. •Dollar amount:The dollar amount of the suspected error. Notice About Electronic enact Conversion:When you pay by check,you authorize us either •Description of Problem:If you think there R an error on your bill describe what you to use information from your check to make a ore-line electronic fund transfer from your believe is wrong and why you believe it is a mistake. amount or to process the payment as a check transaction.When we use information mom your check to make an elect ronkfund transfer,funds may be whhdravrn fro m your account You must contact as witnin110 days after the error appeared on your statement. as soon as the seine day we receive your payment.and you will not receive your check back from your nnanmal Institution.Call the Customer Service number on this statement If you You mull notify us of any potental errors in writing.You may call us,but b you do we lane questions about electronic check collection or do not want your payments collected are not acquired to investigate a potential errors and you may have to pay fhe amount electronically, in question. Conditional Payments:Any payment check or other corm of payment that you send us for While we Investigate whether or notheee has bean an error,the following are Ina: less than the full balance due that is marked"paid in full"or contains a simian notation,or •We cannot try to collect the amount in question,or report you as delinquent on that that you otherwise tender In full satisfaction of a disputed amount,must be sent to Cam amount. Services,P.O.Box 15049.Wilmington,DE 19850-5049.We reserve all our rights regarding these payments te.g.,b h is determined there is no valid dispute or if any such check is •The charge in question may remain on your statement,and we may continue to received at any other address,we may accept the check and you will still rove any remaining Charge you interest on that amount.But,If we determine that we made a mistake, balance).We nay refuse to accept any such payment by returning it to you,not cashing It you will nor have to pay the amount in Question or any interest or other fees relates or destroying A.All other payments that you make should be sent to the regular Payment to that amount. address shown on this statement. •While you do not have to pay the amount in qu.esibn,you are responsible for the Annual Renewal Notice:Ii your Account Agreement has an annual membership lee and'' remainder of your balance. „p�syjr�lyr�hy1rgg for Issuance or availability of your account.it will ne bller:each year or •We can apply any unpaid amount against your credit limit. .7titt01erly indallmen[s.TNS lea an Yor Charge are owed whether or not you use your Account,and you agree to pay them when billed.The annual fee and charge are Your Rights If You Are Dissatisfied With Your Credit Care Purchases non-refundable unless you notify us that you vrih to close your account within 30 days or one billing cycle(whichever is less)after we provide the statement on which the annual fee ft you are dissatisfied with the goods or services that you have purchased with your credit orcharge is billed and at the same time.you pay your outstanding balance in full If you do card,and you have treed in good faith to correct the problem with the merchant,you may this,fora charge billed mom often than annually such as a mint y sera.charge,you will have the right not to pay the remaining amount due on the purchase. not awe the last billed charge.,however,prior billed charges are non-refundable and must To use this right all of the following must be true: be paid as part of paying your outstanding balance in full.Your payment of the annual tee or charge does not affect our rights to close your Account and to limit your right to make 1.The purchase must have been made in your borne state or within 100 miles of transactions on your Account.N your Account is closed by you or us.we will continue to your current nailing address,and the purchase price must have been more than impose the annual fee andror charge until you pay your outstanding balance in hull and 550.(Note-Neither of these are necessary it your purchase was based on an terminate your Account relationship advertisement we(tailed to you,or If we own the company that sold you the goods or services.) Calculation of Balance Subject to Interest Rate:To figure your periodic Interest charges for each billing cycle when a dairy periodic raters)applies,we use the daily balance method 2.You must have used your credit card for the purchase.Purchases made with cash (including current transactions).To figure your periodic interest charges for each billing advances from an ATM or with a check that accesses your credit card Account do cycle when a monthly periodic rate(s)applies,we use the average daily balance method not qualify, (including current transactions).For an explanation of either method.or questions about 3.You must no yet have fully pad ton the purchase. a panlcular Interest charge calculation on your statement,phase call Ins at the toll free customer service phone number listed above. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us We calculate periodic interest charges,using the applicable periodic rates shown on this in wining at Customer Service,P.D.Box 15209 Wilmington,SE 19850-5299. statement,separately for each feature(e.g.,balance transfer checks and cash advance While we investigate,the same rules apply tothe disputed amount asdacussed above.After checks("check transaction"),purchases,balance transfers,cash advances.,promotional we finch our investigation we will tell you our decision.At that point,H we think you owe balances or overdraft advances).These calculations may combine different categories with an amount and you do not pay wve may report you as delinquent. MA1202009 Statement Date: 05/10/10-06/09/10 Account Number: 4266 8411 9396 3780 Page2of2 INTEREST CHARGES(CONTINUED) 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 Cash Advances 19.24%(v) $0.00 $0.00 $0.00 Balance transfer 14.24%(v) $5,985.76 $72.39 $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. 9780500 This Statement is a Facsimile-Not an original X 9000001 F1833338 D 13 000 N Z 09 10/06/09 Page 2 0/2 06598 MA MA 15975 16010000130001597502 MENEM moseem 9780500 Payment Due Date New Balance- Past Due Amount Minimum Payment 08/06/10 $7,754.30 - $597.00 $752.00 Account number:4266 8411 9396 3780 I want to avoid interest with Make your check payable to: Blueprint,please enroll my Chase Card Services. grocery purchases in Full Pay. • Please write amount enclosed. I've read the statement insert New address ore-mail? Print on back. initials Date 42668411939637800007520000775430000000006095607 67594 SEX Z 19010 D II I I 111111111111I111..l 1. l I l I111I1I 1111111111111I.I I I I I 111111 JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 mill/ . lIInnl1...1.1 ..1111111111111 II11/1111111111111111 1:5000160 281: 203 i 19 396 3 7806tl SI ateM r® Manage your account online: Additional contact information from CHASE Ca www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 8411 9396 3780 New Balance $7,754.30 Previous Balance $7,754.30 Payment Due Date 08/06/10 New Balance $7,754.30 Minimum Payment Due $752.00 Late Payment Warning: If we do not receive your minimum Opening/Closing Date 06/10/10-07/09/10 payment by the date listed above,you y y may have to pay up to a Total Credit Line $19,500 $39.00 late fee and your APRs will be subject to increase to a maximum Penalty APR of 29.99%. Available Credit $11,745 Cash Access Line $3,900 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Available for Cash $0 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 31 years $19,218 payment $270 3 years $9,732 (Savings=$9,486) If you would like information about credit counseling services,call 1-866-797-2885. 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. This account is closed and not available for new transactions. If there is a balance please continue to make payments by the due date. ' 1I(t't 'Otals'YYYfae'.�.i'i,: ..x,.:2fi u.ar..... . us.z_, Total fees charged in 2010 $78.00 Total interest charged in 2010 $481.95 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31,2010. IN9INHIBHARGES 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 14.24%(v) $0.00 $0.00 $0.00 Purchases 14.24%(v) $0.00 $0.00 $0.00 Cash Advances 19.24%(v) $0.00 $0.00 $0.00 Cash Advances 19.24%(v) $0.00 $0.00 $0.00 Balance transfer 14.24%(v) $0.00 $0.00 $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 F1033330 0 6 000 N Z 09 10/07/09 Page 1 of 1 06598 MAMA 67594 19010000060006759401 X INS14645 Address Change Request • Please provide information below only if the address information on front is incorrect. Street Address: City: — State: -- Zip: ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: — L To contact us regarding your account: © By Telephone: `:11 In U.S. 1-800-945-2000 EspaRoi 1-8955.8060 S TDD 1-800.00.955-6060 end Inquiries to. Mall Payments to: Visit Our Webslte: 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 the same periodic rates.Variable rates will vary with the market based on the Prime Rale Crediting M Payments:You may make payments by any of the options listed below.The (or such index described in your Account Agreement).There a a minimum interest charge a� a of$1.50 for such amount described in your Account Agreement) in any billing cycle in mount of your payment should be el least your minimum payment due,payable in U.S. which you owe any periodic interest charges.and a transaction fee for each balance transfer, idollars and drawn or payable through a U.S financial institution or the U.S.branch of a cash advance.or check transaction.In the amounts stated in your AccomtAgreemeM,as it foreign financial institution. may be amended.There is a foreign transaction tee of 3%of the U.S.dollar emoted of any You may make payments by regular U.S.mail.Send your payment to the Payments address foreign transaction(or such amount described in your Auwunl Agreement), shown on ISa statement.Your payments by mail must comply with the instructions on this How to Avoid Paying Interest on Purchases:We begin assessing periodic interest charges statement.Do not send ash.Write your Account number on your check or money order. on a transaction,tee,or uttered charge from the date it is added fo your dairy t lance until Payments must be accompanied by the payment,coupon in the envelope provided with your Account is paid in fult as described in your Account Agreement.Your due date wit our address visible through the envelope window:the envelope cannot contain more than be a minimum of 21 days following the close of each billing cycle.You can avoid periodic one payment or coupon:and there can be no staples,paper clips,tape or correspondence interest charges on new purchases when they are first billed to a statement as described included Oh your payment If your payment is in accordance'Alb our payment instructions below.but this does not apply to balance transfers,cash advances oroverdrafi advances.If and is made availble to us on any day by 5:00 p.m.local lime at our Payments address on you receive a current monthly statement that includes new purchases and make a payment this statement.we will credit the payment to your Account as of that day.It your payment that we receive by the date and time the Minimum Payment is due for that statement,we will Is In accordance with our payment instructions.but a made ataibble to us alter 5:00 p.m not charge periodic interest an any podbn of those new purchases that we allocate such local three at the Payments address on this statement.we will credit It to your Account as payment to,so long as 1)your current statement also shows that we received payment of of the neat calendar day. the ending balance for your previous month's statement bythe date and time its Mitmum You may make payments electronically through our•aebseeshewn on this statement.If we Payment was due OR 2)that the ending balance for your previous month's statement receive your completed request or,our websae by 5 p.m.Eastern Time,we will credit your ryas zero. N you have a balance other than a purchase balance and that balance carries a payment as of that day.If we receive your request after 5 p.m.Eastern Time,we will credit higher periodic interest rate,you may not be able to avoid periodic interest charges on new your payment as on the flex calendar day.II you specify a future date in your request we purchases if you do not pay your balance in full each month,because we generally allocate will credit your payment as of that day payments first to the balance with the highest periodic interest rate. For all other payments or for any payment type above for which you do not follow our What To Do If You Think You Find A Mistake On Your Slalomed payment ireelnlctions crediting of yrour payments may be delayed for up to 5 days. It you think there Is an error on your statement write to us on a separate sheet at Customer Account IAlormetloa Reported to Credit Bureaus:We may report iotorination about your Seance,P.O Box 15299 Wiilmhrgton.DE 19850-5299 Account to credit bureaus. Late payments.missed payments or other deiaulis on your In your letter,give as the to lluwirg informration. Account may be reflected in your credit report.N you think we have reported inaccurate information to a credit bureau,you may write to us at the Inquiries address shown on this •Account information:Your name and Account number statement. •Dollar amount.The dollar amount of the suspected error, Notice About Electronic Check Conversion:N/ten you pay by check,you author¢e us either •Description of Problem:If you think there k an error on your bill.describe what you to use iMormation from your check to make a one-time electronic fund transfer from your believe is wrong and why you believe a is a mistake. account or to process the payment as a check transaction.When we use information from your check to make an electronic fund transfer.funds may be withdrawn from your account You must contact to within AO days Menthe error appeared on your statement. as soon as the salve day we receive your payment,and you will not receive your check back from your financial institution.Call the Customer Service number on this statement e you You must notify es of any potential errors in writing.You may call us but a you do we have questions about electronic check collection or do not want your payments collected are not required to investigate any potential errors and you may have to pay the amount electronically. in question. Conditional Payments:Any payment check or other form of payment that you send us for While we investigate whether or norther?has been an error,the following are true: less than the full balance due that is marked"paid in full"or contains a similar notation,or •We cannot try to collect the amount in question,or report you as delinquent on that that you otherwise tender In full satisfaction of a dispulnd amount must be sent to Card amount. Services,P0.Box 15049.Wilmington.DE 19850-5049.We reserve all our rights regarding these payments(e.g.,e e is determined there is no valid dispute or if any such check is •The charge in question may remain on your statement,and we may continue to received at any otter address,we may accept the check and you will still owe any remaining charge you interest on that amount.But,B we determine that we mode a mistake, balance).We may refuse to accept any such payment by retuneng it to you,not cashing It you will not have to pay the amount in question or any interest or other 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 statement. •While you do not have to pay the amount in question,you are responsible for the Annual Renewal Notice:If your Acceunt Agreement has an annual membership tee and, remainder of your balance. ,oiajrarpF for Issuance le availability of your account.it will he hilted each year or •We can apply any unpaid amount against your credit limit. rteroi inshellments.TMs fee candor charge are awed whether qr not you use your Account,and you agree to Day item when billed.The annual fee and charge are Your Rights II You Are Dissatisfied Wllh Your Credit Card Purchases non-refundable unless you notify us that you wish to close your account within 30 days or one billing cycle(whichever is less)after we provide the statement on which the annual fee If you are dissatisfied with the goods or services that you Have purchased with your credit or charge is billed and al the same litre.you pay your outstanding babna in full If you do and aim you have treed in good faith to correct the problem with me merchant,you may this,for a charge billed more often than annually such as a monthly service charge,you will have the right not to pay the remaining amount due on the purchase. 1101 owe the last billed charge:however,prior billed charges are non-refundable and must To use this right,all of the following must be true: be paid as pad of paying your outstanding balance in full.Your payment of the annual tee or charge does not affect our rights to close your Account and to limit your right to make 1.The purchase met have been made In your home state or within f90 miles of transactions on your Account.It your Account is closed by you or us,we will continue to your current mailing address,and the purchase price must have been more than impose the annual fee andior charge until you pay your outstanding balance in full and S50.(Note Neither of these am necessary it your purchase was based or an terminate your Aoki unt relationship advertisement we mailed to you.or It we own the company that sold you the goods Of sEn:ICEe.1 Calculation of Balance Subject to Interest Rate:To figure your periodic interest charges for each baling cycle when a daily periodic ratelo)applies,we use the daily balance method 2.You must have used your trade card for the purchase.Purchases made with cash (including current transactions).To figure your periodic interest charges for each billing advances from an ATM or with a check that accesses your credo card Account do cycle when a monthly periodic rate(s)applies,we use the average dally'balance method not qualify. (including current transactions). For an explanation of either method.or questions about et have fully 3.You must not a particular interest charge calculation on your statement.please call on at the toll her Y ry paid for the pumisse. customer service phone number listed above. If all of the criteria above are met and you are still dissatisfied with tie purchase,contact us We calculate in writing at Customer Service,P.D.Box 15299 Wilmington,DE 19850-5299: periodic interest charges,using the applicable periodic rates shown on this statement.separately for each feature(e.g..balance transfer checks and cash advance Whig we investigate,the same rules apply tothe disputed amount asdacussed above.After checks("check transaction'),purchases,balance transfers,cash advances.promotional we finish our investigation.we will tell you our decision.At that point,If we think you owe balances or overdraft advances).These calculations may combine different categories with an amount and you do not pay we may report you as delinquent. MA1202009 Payment Due Date New Balance Past Due Amount Minimum Payment 09/06/10 $7,895.21 $752.00 $971.00 Account number:4266 8411 93963780 • Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail?Print on beck. 42668411939637800009710000789521000000000000004 145546EHZ 221100 Irr rlllrlr,Ir rlrl7 rllr111rri rlr rrr1111rIrrr ll,rlrlrlrllrrllrll JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 1,..111."111.,..11...1.1...1.111......1111.....11...11...1.11 ..11...1r1I 1:5000 160 281: 2031 L9396 378060 slate. ® Manage your account online: Add tional contact information from CHASED www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number. 4266 8411 9396 3780 New Balance $7,895.21 Prevous Balance $7,754.30 Payment Due Date 09/06/10 Fees Charged $39.00 Minimum Payment Due $971.00 Interest Charged +$101.91 Late Payment Warning: If we do not receive your minimum New Balance $7,895.21 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 Opening/Closing Date 07/10/10-08/09/10 maximum Penalty APR of 29.99%. Total Credit Line $19 500 Minimum Payment Warning:if you make only the minimum payment each period,you will pay more in interest and it will take Available Credit $11,604 you longer to pay off your balance. For example: Cash Access Line $3,900 Available for Cash $0 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 32 years $21,094 payment $276 3 years $9,926 (Savings$11,168) 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 90 days past due. Asa 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. This account is closed and not available for new transactions. If there is a balance please continue to make payments by the due date. ACCOUNT ACTIVITY Date of Transaction Merchant Nameor Transaction Description $Amount i i„ r€OSs.1tAG fi ', { D8/08 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD $39.00 7$tl5{1d 1NfERES1 HM$ D ,.., „ 08/ PURCHASE INTEREST CHARGE 1.42 08/09 CASH ADVANCE INTEREST CHARGE 27.22 08/09 BALANCE TRANSFER INTEREST CHARGE 73.27 TOTAL INTEREST FOR THIS PERIOD $101.91 grertintAPPiTrta.Ja.: 0#P#tialtat.ta Total fees charged in 2010 $117.00 Total interest charged in 2010 $583.86 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31,2010. INTEREST CHARGES Your Annual Percentage Rate(APR)is the annual interest rate on your account. Annual Balance Accrued Balance Percentage Rate(APR) Subject To Interest Interest Type 31 Days In Cycle Interest Rate Charges Charges Purchases 14.24%(v) $39.76 $0.48 $0.00 Purchases 26.24%(v) $41.99 $0.94 $0.00 Cash Advances 19.24%(v) $1,665.63 $27.22 $0.00 This Statement is a Facsimile -Not an original 0900901 F1S33338 0 7 000 N Z 09 10/08/09 Page 1 of 2 06598 MA MA 14554 22110000070001455401 X 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 service and manage any of your account(s),we,our representatives,JPMorgan Chase representatives,and/or affiliates,may contact you at any telephone number you provide to us. Please refer to your Cardmember Agreement for additional details about the use of your personal information and/or visit our website shown below to provide us with additional contact information. To contact us regarding your account: _ By Telephone: mErs 1 In U.S. 1-800-945-2000 Espafioi 1-888-446-3308 Send Inquiries to: TDD 1-800.955-8060 Mall Payments to: Visit Our Website: 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 cash advance checks(`check transaction'),bufehases.,balance traders.cash ® advances. o tioron.balances nr overdraft advances) These caicutitimm may Crediting of Paymerds:You may make payments by any et the nylons listed below combine different categories with the same periodic rates Variable rates will vary The amount of your payment should ye al least your minimum payment due.payable with the market based on the Prime Rate or such index described in your Account W iLS.deters and drawn or mayebe through a U.S.financial inetdoden or Me U.S. Agreement).There is a minimum interest mange o'51.50±cr such amour:described branch of a foreign f naneial institution. in your Account Agreement) in any biting cycle in which you ode arm periodic You may make payments by regular L'-S.malt Send your payment to tea Payments interest charges,and a transaction lee for each balance tcanner,cash advance,or address shown on this s'atement.Your payments by mail must comply w.lh the check Irensachlo r in ire amounts stated in your Account Ag reenrerd as S may he instructions on this statement.To not send Cash Write your 500001 number on amended.Theses a foreign transaction fee cf 3%of the U.S.dollar amount of any your check or money ardor.Payments must be a00mpanied by me payment coupon foleigo transaction(or such amount described in your Account Aurasmontl in lye envelope provides•rahh our address visible through the envelope window:the How to Avoid Payne interest on Purchases:We begin assessing periodic interest envelope cannot contain more than one payment or coupon,and Mere can be no charges on a transaction,fee,or interest charge from thedate it is added to your dairy sha"le",paper clips,Iape°.cu es,.Ondo on me area'.x111"year payment.If your balattee until your Account is pa d in'd as described to a r Account Agreement. payment s accordance wilt!Our payment instructions and trs made a.ailaale to us yam due data w+l ue a mamma of 21 days lolluwt•:5 N close h billing .le on any day by 5.00 p.m local time at cur Payments address on this statement to mil Yon can avoid parted interest Charge,nn new tenches.when they are first bided credit Ina pays GrI In your Acccurt as of that day If your payment A in accordance to a statement as described below,but this does not apply t SatariCE transfers, Orion m r payment inst ucti° but is made available to us after 5:80 p.m.local time cash advances or overdraft advances:f you receive a current mantic statement that at the Payments address on m's statem°nt we will-chin it tc your Account as of includes new purchases and make a payment that we receive by the dare and lime the the next calendar day. Minimum Payment is due for that statement.we sail not charge periodic interest on Vol may make oaymeciseldroncally through our website sham on Misstatement any Millen el those new purchases 1-bat we allocate surf payment to so long as 1) If we lereive your completed reenest mace webshe by 5 9.m Eastern Time,we tvt+l Year current statement also slaws that we received payment t of 1^e ending Mane c•ed,I your payment as of teal may.If v.receive your rep,re7 all 5 p.m.Eastern for your previous montri s statement by the(tale and time its Minimum Payment was Titre,we will credit your payment as of the next calendar day if you specify a futare cue OR 2)that the ending balance for your bietOMes month's statement was zero.II dale in yam request wn will credit yarn payment as of that day you have a balance other than a purchaso balance and that balance carries a higher periodic interest rate.you may not be able to avoid periodic interest Merges on now For all utner payments or for any payment type above rot vahen you do not brow by purchases if you do not pay your balance in full each mart because rue generally payment instructions,crediting of you'payments may be delayed for an to 5 days. allocate payments first to the balance with the hIghest periodic interest rate. Account Information Reported to Credit Bureaus:We inn'report information about What To Do If You Think You Find A Mistake On Your Statement your Account to credit bureaus late aayrents,missed payments or other defaults on your Acr-ount may oe reflected in yon credit rayon If you-kink we have reported 'I you think there is an error or your statement,:ortte to us 01 a separate sheet at inaccurate information ma credit bureau,you may write IC as at the,nquiries address Customer Se-vice.P.O.Box 15299 Wilmington DE 19860-5299: Shown On this statement .n VOL,local glen-Us the following information: To Service and Manage Any of Your Accoungs):We,per:representatives.JPMorgan •Account information:Your came and Apconm number. Chase representatives,and:nr affiliates,:nay contact you at any telephone number you pnovlde to us.Please refer to your Cardmember Agreement for additional details •Doh r aneunt The Collar amm:.n of the suspected error. about the use of your pelsonal information. •Description of Problem:If you think there:s an hoar or your 511,describe Notice About Electronic Check Conversion:When you pay by check,you authorize what you believe is wrong one why you believe it is a mistake. on ether to itse Intcrmabon from your check TO male,a one-here eearonc fund You must contact us within 6D days after the ern'appeared on your statamunt. we iransler f rant your acmnnl or 10 p:00051 the payma it as„leek eek 1 ansact W-en pp yo' se information front yam check to make electronic Mod uaalsfer,funds may You must rarity vs of any potrdal errors m wetting.You may can us,Cut 4 von do be vvltlidnw irOn'.ho aygppnI ae Oar.:its the Sa 1."t"l we to 1 yon"paymeill. we are not required to investigate any potential errors and you may hale to Oay the end yen will not receive your check back tram E.,uremia institution.Call the amount in emotion. Cus:dnler Service Iaarriber On l'tiu SCateirlenl If YOU non OUesbentS about elect:'oniC check collection or de net want your payn:ants 00110000 electronically While we investigate whether or not there pas hat an error,tin following are Tile'. Conditional Payments:Any payment check or other form of payment that you send •We cannot byte collect the amoumit+question,or revert you as delinquent on us for Ass Than fee lull balance due that is marked-paid hr tun'or contains a similar that amount. notation that you otherwise ter -: W:satisfaction cr a disputed amount The charge in Meat:Olt m rem statement, d w1 m3 t, inoe must be soot to Card 1 loin. PO BC 1.049 rid Ice ngtc DE 19850-5049.We t g t -n that amount B r'r we S than y io e 978-0600.,ights rego-dn g choose payments(e.g.. s determined there.is no Marge you : a o dispute or if any such heck-s received at any urban address we may accept mistake.you wit net have to pay ti char ice gasten cr o ry in amount ust or the check and you will MA owe any remaining balance;.We may rouse to accept other lees related 10 that amount. any such payment by returning it to you.not cashing it or destroying it Al other •While you In not have to nay the amount in question,yo are recpnnstoie for payments that you make should be sent to the regu ar Payment address shown on Ile remainder 0'your balance. this statement. •We can apply any unpaid amount against your credit Itnut. Annual Renewal Notice:If ymur Account Agreement has an annual membership fee endi0r similar cra•ge for issuer.or availaoil4'et mimeomunt.C will be pilled each Your Rights It You Are Dissatisfied With Your Credit Card Purchases year or in monthly err quarterly installments.This tee alt^?0'Charge are owed ar-liner m net you use your AcCOU rt and you apse to pry Plv'r When billed.The annual If yo':. dissatisfied tisi etl th the goods en services That you ham purchased t you credit card fee and charge are nomrufurdab'e roles:you rally.ts t"at you vysh to close yin, and you have'red in good fait Incorrect the problem with to merchant. account within 30 days or one billing eycte(whichever is less)atter we provide die y00 may have Inc fight not to pay to remaining Haan;due on fire purchase. statement on which the annual tee or coarge is billed and at the Same lime,you bay To use ins port.all of the following must he true. your outstanding baance in tall.If you do this.tin a charge billed mom often than annually such as a monthly service charge,you wig Oct ewe the last pillee nra•ge: 1.The purchase must have been made in;me hnms Grate or within 100 miles however,prior billed charges are non-refundable and must be paid as part of paying of yon current mailing address,and[he purchase price must^.are been your outstanding balance In full Your payment of Pm team{fee or charge hen flat mare than S50.Motet Neither of none are necessary it your purchase was aged our rights to close your Account and to limit yet,right co make transactions on based on an acvenisement we mailed to you,3r if we can the oempa:-yMal your Account.II your Account's closed Dy you or us.we will continue is impose me sole you the goods or services.l annual an endear charge until you pay yam outstanding balance in WHAM id terminate 2 you must nave 116e0 your lied card for the amebas°.Purehiases made with your Account relationship cash advances from an ATM or with a check that accesses your credit card Calculation of Balance Sub)ed to Interest Rale:To rgure your penolin.interest Account do not qualify, charges for each billing cycle when a daily per odic gala{s)aop:ies,we use the daily 3.YOU muss net yet have lily paid roe the purchase. baance method(includng current transact c.).To figure your periodic interest charges for emit:tilting cycle when a monthly periodic nets)applies,we use:he If all nf ice criteria above are met old you are still dis_Wished with me pumas°, overage daily baance method(including current transactions).nor an explanal:dn DI contact us in writing at Customer Service,P.O. Rex 10295 Wilmington,DE aimed medial.or questions aboal a particular ineresi charge calculation on your 19850-5299: scatenent please can us at the toll free customer service phone number listed above. While we investigate.the same rules apply to the disputed amount as discussed We calculate periodic interest charges.using the applicable periodic rates shorn above.After we finish cur investigation,we wbl tell you our decision.Al that point II on the statement separately for each feature(e.g.,Ualolide iransler checks and we think you owe an amount and you do not pay we may report you as delinquent. MA6292010 Statement Date: 07/10/10-08/09/10 Account Number: 4266 6411 9396 3760 Page 2 of 2 INTEREST CHARGES(CONTINUED) 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 Cash Advances 26.24%(v) $0.00 $0.00 $0.00 Balance transfer 14.24%(v) $6,058.58 $73.27 $0.00 Balance transfer 26.24%(v) $0.00 $0.00 $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. 9780500 This Statement is a Facsimile -Not an original X 0000001 F1S33338 D 7 000 N Z 09 10/08/09 Page 2 of 2 06598 MA MA 14554 22110000070001455402 9780500 Payment Due Date New Balance Past Due Amount Minimum Payment 10/06110 $8,024.35 $971.00 $1,180.00 Account number:4266 8411 9396 3780 • Make your check payable to: Chase Card Services.Please write amount enclosed. New address or a-mail?Print on back. 42668411939637800011800000802435000000000000001 13410 aEXZ 25210D Irrr111Jrr 611JIrI11111rdrlrrr rllrLlrrr llrrLLrrllr rl Lrl JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 l..rlllrrJl'rr,rILrrl,IliiI.1 rrrrllllrlrrr'Irrrll,rllrll ':5000160 281: 203 i 19396378060 slate. Manage your account onilne: Additional contact information from CHASE!) www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 8411 9396 3780 New Balance $8,024.35 Previous Balance $7,895.21 Payment Due Date 10/06/10 Fees Charged +$25.00 Minimum Payment Due $1,180.00 Interest Charged +$104.14 Late Payment Warning: tf we do not receive your minimum New Balance $8,024.35 payment by the date listed above,you may have to pay a late fee of up to$35.00 and your APR's will be subject to increase to a Opening/Closing Date 08/10/10-09/09/10 maximum Penalty APR of 29.99%. Total Credit Line $19,500 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Available Credit $11,475 you longer to pay off your balance. For example: Cash Access Line $3,900 Available for Cash $0 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 32 years $21,599 payment $280 3 years $10,093 (Savings=$11,506) If you would like information about credit counseling services,call 1-866-797-2885. Its not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be right for you.Call 1-888-792-7547(collect 1-302-594-8200)today. This account is closed and not available for new transactions. If there is a balance please continue to make payments by the due date. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transactiy�onn}Description $Amount S.I < . ,.�...< aea... .,az N a..a , r-#:**;T'1 fM. ,.0.v.s. ,1<. .. < <<te.:M 09/07 LATE FEE 25.00 TOTAL FEES FOR THIS PERIOD $25.00 44 091 PURCHASE INTEREST CHARGE 2.32 09/09 CASH ADVANCE INTEREST CHARGE 27.66 09/09 BALANCE TRANSFER INTEREST CHARGE 74.16 TOTAL INTEREST FOR THIS PERIOD $104.14 A0 O `o#a(s Year toi-tlate , Total fees charged in 2010 $142.00 Total interest charged in 2010 $688.00 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 14.24%(v) $40.24 $0.49 $0.00 Purchases 26.24%(v) $82.26 $1.83 $0.00 Cash Advances 19.24%(v) $1,693.07 $27.66 $0.00 This Statement is a Facsimile -Not an original 0000001 F1533338 D 9 000 N Z 09 10/09/09 Page 1 of 2 06598 MA MA 13410 25210000090001341001 X Address Change Request Please provide information below only lithe address information on front is incorrect. Street Address: City: — State: -- Zip: --- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: To service and manage any of your account(s),we,our representatives,JPMorgan Chase representatives,and/or affiliates,may contact you at any telephone number you provide to us. Please refer to your Cardmember Agreement for additional details about the use of your personal information and/or visit our website shown below to provide us with additional contact information. To contact us regarding your account: _ By Telephone: J In U.S. 1-800-945-2000 1 "Q Espanol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Webslte: 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 - Information About Your Account cash advance checks("check iransadixii),purchases,balance Iransfe's,cash advances 'Jromet'..omx halcnces or overdraft advances) These ralculatmns may - Crediting of Payments:You may make payments by any et the options listed below. combine a Uilferent categories with the soma crericdre tale llarwbre rates will vary The amount of your payment stw:!d cent least your:minimum payment duo,payable with the market based on the Prime Rate for such index described in Year Accoord in 11.0 dollars and drawn or oayabie through a U.S.Tinaecial instalon or the U.S. Agreement).There is a minimam interest charge o'51.50!or such amocr:described branch at a foreign financial insl nation. in your Account Agreement)le any bdlir,g ty'de in which you owe any periodic You may make payr:lets by roman L.S.make Send your payment to Ine Payments Interest charges,and a transa-MIvn on for each Saiance canter,cash advance,or address shown on this statement.Your payments by mail must comply with he check transaction,in I'i:e amounts stated in your Account Agreement.as it may he instructions on this statement-Da not send cash.Write your Auteuil number on amended.There Is a foreign transacti:w tee of 3%of the ll S.dotter amount of any your check or money order.Payments must he acceemanled by tee payment coupon Cadge transaction for such amount described yon your Account A(n=_enreat). in the envelope provided wdh our address visible through the envelope window;the How to Avoid Paying'interest on Purchases:We begin assessing periodic interest envelope cannot contain more than pile oaymeoi or coupon:and there can be no charges on a transaction,lee,or interest charge harr the date it Is added to your daily staples,paper clips,tape or correspondence included Inc wit year payment.If your balance alit your Account is paid in'.d as den bed in your Account Agr em art. payments in accordance with our payment instructions and is made available to is your due date wit ne a minimum":of 21 days following the close of each Unit ng ovate. on am day by SAO pen.local time at cur Payments address on this slaleinenl.we will you can avoid .'ed 1 toe paynerd to your Account as o`time day.If your payment is It accordance pas described s bdd charges do this d o does rot y tb y are f sherd with nth payment instructions bin is mane availahw to us after 5.00 pin local time to a ulvanbes as deta belays any tuir does rot e GN t ba:a• nesters, tfa, m the Payments address on Iris statement,we will credit it to your Account as of cash advances purchases attatltarea5.y you receive a current by thed statement nli tthe the next calendar day. includes new went is due end make a atement that wit net h rge periodic Payment that we will net interest on You may make payments electronicallyt:.rou9Y.our website shovm on Misstatement. any ponlon m those near purchases teat we allocate such payment to no long as 1) It we receive your completed reediest on nurwebste by 5 p m Eastern Time we will year current statement also slaws that we received payment of the ending haarce credit your payment as of that day.If we receive your retied after 5 p.m.Easlem for your prev-,cus munt'I s statement by the oath and time its Minimum Payrro't was Time,we vi'1 credit your payment as of the seat calendar day if you specify a Mare due OR 21 Iha'the ending balance for your previous month's statamem wes zere-II dale in your request we will redit your payment as of that day you hare a balance ulrcr than a parches°balance and that balance sames a higher periodic'interest rate,you may not he able to aveth polodt Int¢r00t charges en new For all other payments or fm any payment type above for whim you do not Meow cur purchases if you do not pay your balance in full each meth.because we gereral5 payment Instructions,crediting of year payments may Dc delayed for up to 5 days. allocate payments first to Me balance with The highest periodic!Merest rate. Account Inturmalien Reported to Credit Bureaus:We may report informalien about What To Do If You Think You Find A Mistake Orr Your Statement your Account to crecie bureaus tale cayments,missed payments or other defealis en your Account may rue ne-e:ted in your credit report.It you think we.have repor-ed If you think there is an error or your statement,unite to us on a separate sheet at inaccurate information to a credit bureau,you may Mite id us at the lneuirres address Customer Service.PO Bon 15299 Wilmington,DE 19850-0292 shown on this statement n 705'loner give us duo following information: To Service and Manage Any of Your Accoontis):We.era representatives.JPMorgan •Account information:Your name and Account number. Chase representatives,anther affiliates,nxay r.ontact you at any telephone number you provide to as Please refer to your Cardmember Agreeme t for additional details •Dollar nnr.... dollar amo,.:.. f the.srmpe led error. about the use of your personal elormadoe. t •Description DI Problem:If you think there is an error On.your boll,describe Notice About Electronic Cheek Conversion:When you pay by check,you authorize what you believe is wrong and why you be':ieve it is a mistake, us ether to use In'ormedon from yoor check to make a one me demon-s fund transfer t rem your account or to process the payment as a cheek transaction.Wnen You must contact us within 60 days alto the error appcmiad pi,your statement_ we use titan:atlon front your creek to inakear electroeic-'and tansfer,funds may you must meaty as of any potential errors In vrnhrrv.yon troy Ott OS.COI It ado e t he vrifhdrawr.Irom your account as soon as the same nay we receive your i'aYroind. we are not required'o irvestioata any potentiar errors and you may have to Day the and you wit not receive your check tank from your'irarcrai institution.Call the amount yon oatsI':pn. Cus:pluer Service number on this statement if you foe 0uesbeas about electronic check collection or de not want your payments collected eledroioeeiyy While we rnvestioste whether or not there has tote an en or,tr 1ntip0.ang are tree Conditional Payments:Any payment check or other form on payment that you nerd •We cannot try t0vvvnd toe amount in question,or snnart you as delinquent on us ter less than t'e lull balance doe Man i5 marked'paid in toll r or contains a Similar that amount. notation ar that yuu otherwise tender In LSI satisfacticr of a disputed amount. pmust rue sent to Card Services,P0.Box 15049 W i ingtc DE 19850-5049 We •The charge i question may remain n your statement and we may centime 978f'600inar rights mrarr ve these paymen s t g : c determined:here is no charge you 1 that a Bat r m t h made a vair0 dispute or f my sects heck iS received at y Tither address we may accept mistake.take.you wit!not lava to pay the.mCU:I?{n pt.Shen or 8rly''Merest at the cheek pile you will 80'1 owe any remaining balance',.We may refuse to accept other lees related to that amount. any seen payment by returning rt to you,not cashing It or destroying it.All other •While you de not have to pay the amoo't in question,you are respor:siote for payments that you make shout:be art to the raga?,Payment address shaven on the remauidei of your balance. this statement. •We can apply any unpaid amount against your credit limn: Annual Renewal Notice:It your Acceuet Agreemert has an annual membership lie andior similar charge for issuer.,oravailaailay of your aceount.It will be gilled each Your Rights If You Are Dissatisfied With Your Credit Card Purchases year or in motenly er quarterly installments.This tee anchor Merge are owed weather it ina are d sent sf ed with the goods of sonny rev that you have purchased with your Of nee you-sa your Ad°ou t a d yu'l apse to pay than rill. belled.The annual credit card,and you have teed in good faith to comma IN rrobiein will the merchant fee aria charge are nomrefnrdab e creme you redly as that you wish to close your you may have tie right not to nay N¢remaining amount du:on the purchase.coon.d within 30 days or one pilling cycle ewhichever is IeSS)Etter we VOW.;Ile statement on which the annual tee or charge i5 Oiled and at the same toe,yea ow To Joe tns rget an of Ne tollowleg must he true, your outstanding baance in tali.ii you do this,for a charge healed more often than annually such as a monthly service charge you out not owe the last bitch charge. 1.The purchase mist have been made In your how ,tea or within 100 miles however,poor biller:charges are non-reltindabr0 and nwst be paid as pat of paying of year current maiBng adcress,and the purchase price must have been your outstanding'pierce an fug.Your payment of t:e animal fee or charge does not more than Say.(Note:Neither of these are necessary if your purchase was al¢d our rights to close your Ancona and to limit yr.,r right ro make transactions of based on an advertisement we marled to you or d'xe DWri Ne company Nat you'Accent'It your Account is dose°by the or us.we will co'rinue to impose the sold yea the goods or services.; annual fee end'or charge unlit you pay your outsiaeding balance in full arid lennieete 2-You must nave used your credit card for the pumhese.Prrclrasee mate with your Account Ielationship. cash advances from an ATM or with a che0:that acceeees your credit card Calculation of Balance Sealed to Interest Rate:do tare your periodic interest 00000it do not qualify. charges for each billing retie trhan a daily periodic rote(s)copies,we use the daily 3.Yee must not yet hive m'-1y paid tor the purchase. Laance method(including current transactions).To figure your periodic interest charges fot oselt hiliing egcle when a monthly puddle rare()npplieo we use the If all of Lire criteria aloe arc.met and you are mill dissa'ished with tune purchase, average.daily balance method(including current tratauplruns) o•an explanat ch of contact as in writing at Customer Service,P0.Box 15795 Wilmington,OF either method,or question about a particular interest merge talcclan on on your 19850-5209: statement.please Call ro at the toll free cestonwr service phone number listed above. While we investigate,the some rules apply to the disputed amount as dkscessed We calculate periodic interest charges.lasing the applicable periodic rates shown above Alter we li'ish cur investigation,we will tell you our decision Al that point,if on this statement,separately for each teatime(e.g.,Seance Monster checks and we think you owe an amount and you do not pay we may report you as drflmquent. MA6292010 • Statement Date: 08/10/10-09/09/10 Account Number: 4266 8411 9396 3780 Page 2 of 2 I INTEREST CHARGES(CONTINUED) 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 Cash Advances 26.24%(v) $0.00 $0.00 $0.00 Balance transfer 14.24%(v) $6,132.28 $74.16 $0.00 Balance transfer 26.24%(v) $0.00 $0.00 $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. 9780500 This Statement is a Facsimile -Not an original X 0000001 F1833338 n 9 000 N Z 09 10/09/09 Page 2 of 2 06598 MA MA 13410 25210000090001341002 9780500 Payment Due Date New Balance Past Due Amount Minimum Payment 11/06/10 $8,152.02 $1,180.00 $1,389.00 Account number:4266 8411 9396 3780 - Make your check payable to: Chase Card Services. Please write amount enclosed. New address or a-mail?Print on back. 42668411939637800013890000815202000000000000004 53744 SEX 28210D Iuil II rlulnitlnlu llutl tl it ill tll lnn llul oh n■llrJL I JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 ltrt llltr IIllttr�IL�Jr1�11I1IILItr1 Jllltlt11lltullutltll 1:5000 /60 281: 203 / /93963780611' sI atew Manage your account online: Atldhionalcontactinformation from CHASE Q www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number. 4266 8411 9396 3780 New Balance $8,152.02 Previous Balance $8,024.35 Payment Due Date 11/06/10 Fees Charged +$25.00 Minimum Payment Due $1,389.00 Interest Charged +$102.67 Late Payment Warning: If we do not receive your minimum New Balance $8,152.02 payment by the date listed above,you may have to pay a late fee of up to$35.00 and your APR's will be subject to increase to a Opening/Closing Date 09/10/10.10/09/10 maximum Penalty APR of 29.99%. Total Credit Line $19,500 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Available Credit $11,347 you longer to pay off your balance. For example: Cash Access Line $3,900 Available for Cash $0 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 32 years $22,103 payment $285 3 years $10,260 (Savings-411,843) 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. This account is closed and no longer available for use. If you have a balance remaining on the account,please continue to make monthly payments by the due date. Thank you. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 'A.Ynaka, s a. .,s.,._EMt,.jefti„E .WPO„. 1., „f,'E.$.£. °< ,,„ rN 10/07 LATE FEE 25.00 TOTAL FEES FOR THIS PERIOD $25.00 nib _ . 1N ER ST AtFtGED ' ";/ .a 10/ PURCHASE INTEREST CHARGE 2.84 10/08 CASH ADVANCE INTEREST CHARGE 27.21 10/08 BALANCE TRANSFER INTEREST CHARGE 72.62 TOTAL INTEREST FOR THIS PERIOD $102.67 .,r... .,....lOt9'Mall YeaC40ata.iai. -,,' .. Total fees charged in 2010 $167.00 Total interest charged in 2010 $790.67 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 30 Days In Cycle Interest Rate Charges Charges Purchases 14.24%(v) $40.73 $0.48 $0.00 Purchases 26.24%(v) $109.43 $2.36 $0.00 Cash Advances 19.24%(v) $1,720.49 $27.21 $0.00 This Statement is a Facsimile-Not an original 0000001 FIS33338 D 5 000 N Z 09 10/10/09 Page 1 of 2 06598 MA MA 53744 28110000050005374401 X • 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 service and manage any of your account(s),we,our representatives,JPMorgan Chase representatives,and/or affiliates,may contact you at any telephone number you provide to us. Please refer to your Cardmember Agreement for additional details about the use of your personal information and/or visit our website shown below to provide us with additional contact information. To contact us regarding your account: _ By Telephone: © a? In U.S. 1-800-945-2000 vrl`ll Espafiol 1-888-446.3308 Send Inquiries to: Mall Payments to: Visit Our Website: TDD 1-800-955-8060 Pay by phone1-800-436-7958 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 - Intormation About Omit Account cash advance checks("check transaction'),purchases,balance Irarmfers,cash - Crediting f advances,promotional balances or overdraft advenees) These caleMmiols may Q Payments:You may make payments by any of the options listed below. gprgblrt0 different categories wit the same Nilotic 1e705.Variable fates will vary - The amount of your payment s`oeld be at least your minimum payment due.payable with the market based on the Prime Rate(or such index described in veer Account In O.S.dollars and dawn er gayab a through a U.S.tenure)institution Or the 11.5. Agreement.There is a minimum interest erne of 51,50 ter such amount described branch Of a foreign financial test.tld.G.. in your Account Agreement)in any '.bill g O1",de in which you owe an Oeri0dlc Yoe may make payments by regular t;S mail.Send your payment to Me Payments interest charges,and a transaction tee for each balance transfer,cash advance,or address shown on this statement.Your payments by mail mast comply w:lh the check hansactwn in the amounts staled in ywr Accourri Ag•eenertl.as It may he instructions on Ills statement.Do Liar send cash.Write your Aeconht number on amended.There's a foreign transaction lee of 3%of the U S dollar amount of any your check or money order.Payments must be accompanied by tee payment coupon foreign Iransecllon(or such amount described m your Account Agreement). in the envelope provided with our address visible through the envelope varalcwt the How to Avoid Paring inmost on Purchases:We begin assessing periodic interest envelope cannot contain more trap one payment or coupon:and there can be no charges on a transaction.lee,or Interest charge from the date It is added to your daily staple;.paper caps,tape a cxrruspp-110 0 0 me Jdeo with your 0151ont If your bounce uM I your Account is pa d in f.te.as described m year Amount 43,9emert. payment is in accordance wee our payment instrectioms and is made available In us yew due date 4 be a minimum of 21 nays following the close bilbtlg ev-le on any day by500 p.m local time at our Payments address on Ibis s lalalreM.e:`a witI You can avoid peon,niemsl d.rges on new Earrhao. when they are first billed d t I payment to your Account as of that day If your payment is is accordance to a statement as described below but this does not apply m Date testers, to run payment instemlions,minis manly available to us after 5.00 p 1n Meal hme cash advances or overdraft advances.N you receive a carroct month:satOmen`,that at the Payments address an this statement we will croon it t0 your Account as of includes new purchases and make a payment that ace receive by the date and lime the the next calendar day. Minimum Payment is due tor that statement.we wa not charge oeriiodic Interest on You may make payneeo electronically trough ouramteite shown on Ind statement. any Pollan M those new purchases that we alienate,such payment to so long as 1) It ere reCClve your Completed request orlon Webete hy5 p.m.Casten Time,vu:ciI your extent statemeI else S:'I::w's teal we received drown of Ms ending bleu cred!I your peymeci as of that cay It we receive your teens!after 5 p.m.Eastern for your previous muntri s statement by the auto any time its Minimum Payment was Time,we veil credit your payment a'of Our next calendar day.if you speedy a future due OR t;chat the ending balance for your previous tnon:h's statement was rem.II date in your request we will rredlt woe payment as of that day you have a balance other than a purchase balance and tat balance carries a higher periodic interest rate,you may not be able to Cull periodic Interest togas On new For all other payments or for any payment type...afar when you do not Meow or purchases if you do not pay your balance in full east month,because'we generally payment inatru0d0ns,crediting of your payments may be b=elayed for up to 5 days. allocate pavmeMS first to the balance with the nignesf periodic interest rate. Account Information Reported to Credit Bureaus:We may report information about What To Do If Yoe Think You Find A Mistake On Your Statement your Account to credit Inoue Lade:ray:-eats,missed payments or odor defa ails Co your Account may O,n,relented in yea=,credit report It you think we have reported if Yea Ilieu there'.s an error or your statement,v rite to us on a separate;net at Inaccurate Information to a credit bureau,you may wide to us at(he''Inc:dries address Customer Service.P.D.Box 15299 Wilmington.DE 19850-5299. shown on:his statement in goer letter,give us the following information: To Service and Manage Any et Your Accceunt(s):We,our representatives.JPMorgan •Account reformation:Your name and AxouM number. Chase representatives,and/or affiliates,may moan:you at arty telephone number you provide to as Please refer to your Cardmember Agreerrel!or additional details •Dollar mold dollar amount 1 the suspected error. about the use of your personal information. j •Description el Pr0alem'.It you think there is an error on yo,rr bill,describe Notice About Electronic Check Convenient When you pay by check,you authorize whet you believe is wrong art wily you believe it is a mistake, us ether to me Von-salon from your check to make a 000 me ectrohc fund Ymt must contac.as within 60 days a%r the error appeared on your statement Iranster Iram your account or to process the payment as a clerk transact on.When p" Y we use information Turn your check to make electronic fund transfer,funds may you must no,¢y us of any potential errors In 0rrdn0.Vail may all us.brut if yell do he withdrawh Iron your account as son e es the seem day we receive your payment we are not required'.O investigate any potential errors and you may haunter nay the and you wit not receive your ceck back from your*rani.institution.Call the amount In cuestcn. Curs:Jr'ler Service number on this Onetime',it you tta0e euestiors about aleettorh10 check collection er do not want y our payments collected eleetrohicelly While we investigate whether or not there nes hear an ennr,era fo'iywin.,are one Conditional Payments:Any payment check or other fortn of oayment that you send •We cannot try to collect the amount i.n question.or report you as delinquent on us or less Ilan the lull balance due Mal is marked'paid in IOC or contains a similar that amount notation,or that you Mherwise ltilder in of salisfaclior of a disputed arrount Pb. e charge in qu55Uwt may remain s your sfatenlEnl,and we may cenfinur, 1p^ma�uut�,,b((e►f�aslee,nt to Card Services P0.Box 15049 Wilmington DE 19850-5049 We 978050V'u rights ingest ng these payments(e.g.,Y 2 s d, -m n d there is no t J'you interest an that amount hot.if we a .rmrne that we made a o dispute or f any such cheek s received at ey other address.we may accept mistake.you oil not have to pay tr e 21510001 Is Ounutien Cr thy interest or the cheek and you will stet owe any remaining baiance).We Tray refuse to accept Ot:a'fecu related t0 that amount. any sucll payment by returning It to you,not cashing it or destroying it Al other •While you to not have to pay the amount in ques;imr,you are respoesi-Me ter payments that you make stlould be sent to the regular Payment address shown on the remainder of your balance. this statement. •We can apply orb unpaid amount against your credit ninth Annual Renewal Notice:If your Account Agreement Iran an ann,nl membership fee and/or similar charge for issuance or evailaoility of your a005unt.Y.will be billed each Paw Rights If You Are Dissatisfied With Pear Credit Card Purchases year or in monthly or quarterly motallment5.This tee motor che•ge are Owed whether 1 yon are dissatisfied t e pods Cr services that of pirchased with yr or not use you Accou i and you agree i0 py deal whet tiled.The annual fee and charge are nomrfefurdeb e nnbsr you notify us that you vest to close your credit rd and you Lave tried 1 good fail Morose the glnble,m wee the efenml, account within 30 days or One biting Cycle(lytkheyer is less)atter we provide tine you may have the IIgM not 10 DEy'hE remaining net^.,du Lit;Ire purchase. statement on which the annnd fee or charge is billed and at the same erne,you pay In non teas rig-1 all of he following meet he trum your outstanding barar.ce in toll.It you do this for a charge billed more often t^:an annually such as a monthly service charge,yon WIl not owe the het tilled onerge, 1.The purohase meet hive been made In yarn home state or within 100 miles however,pear billed charges are non-relundabie and must be paid as pad of paying of your oorrent mailing address,and the purchase price trust have been your outslwtd rig lmlance.i full Your payment of Ile amid fee or charge does not more than S50(Note keener of these are necessary if your purchase was tied ourrghs to close your oVonnor earl to limit yett right re make transactions rat based on an acyen15ement we mailed to you,or doe onn the company that your Account.II your Account is Closed by you or 1,5 we will continue to impose the sold you the goods or services.) annual lee andror charge unlll you pay your oatsta�diug balance in full amid terminate 2 You must nave used your credit card tar the pulrhase.Pumhasns matte with your Account relationship. cash advances from an ATM or with a check Nat aecesses your credit card Calculation of Balance Subject to interest fate:To figure your penodto interest Account do not qual N. charges fm each billing rycle when a deity per Odic rate(s)Mites,we use the daily 3.You must net yet have fully paid for the purchase. balance method(including current trarsactu s).To figure your periodic uneresl Menges far each thrice cycle when a muddy periodic rate(.)applies,ere use the It ell n11re critana ahy e Ern met and you arc still dissatisfied 04 0 the plOO,OSO, average daily balance method(including currentt-aesac'uns)Eor an explanat On of contact us in v-rili.ng ar Customer Service,P.O.Boa 15299 Wlln+ington, OF either method.or questions about a particular interest charge calculation on your 19850-6209: statement.please call to at the toll free customer service phone number listed above. Waite we inestigate,the same rules apply to the dsputed amount as discussed We calculate periodic Interest charges.using the applicable periodic rates shown above.Ater we tirish Cu'investigation,roe will tell you our decision.Al that point it on this statement,separately for each Mateo fee.,Pennine transfer checks art we think you OM an amount and you do not pay we tray report youas de,inquest. MA6292010 Statement Date: 09/10/10-10/09/10 Account Number: 4266 8411 9396 3780 Page 2 of 2 INTEREST CHARGES(CONTINUED) 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 Cash Advances 26.24%(v) $0.00 $0.00 $0.00 Balance transfer 14.24%(v) $6,205.66 $72.62 $0.00 Balance transfer 26.24%(v) $0.00 $0.00 $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. 9780500 This Statement is a Facsimile-Not an original X 0000001 F1033338 D 5 000 N Z 09 10/10/09 Page 2 of 2 06598 MA MA 53744 28110000050005374402 MEM 9780500 Payment Due Date New Balance Past Due Amount Minimum Payment 12/06/10 $8,285.08 $1,389.00 $1,604.00 Account number:X3780 - Make your check payable to: Chase card services. Please write amount enclosed. New address ore-mail? Print on back. 11381 13E Z 31310 D � ill loll rl ulr lulrrllnrlrinnli II rlrullulrinrllnlint JOSEPH P RUANE 133 WESTGATE DR CARDMEMBER SERVICE MOUNT HOLLY SPRINGS PA 17065-2010 PO BOX 15153 WILMINGTON DE 19886-5153 II t1IlI11rlll1lrrll11r1111r11rlil llil llnrllurlrll sI ate, ® Manage your account Doane: Add6ional contact information from CHASE() www.chase.comlcreditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number:glitiNifWM3780 New Balance $8,285.08 Previous Balance $8,152.02 Payment Due Date 12/06/10 Fees Charged +$25.00 Minimum Payment Due $1,604.00 Interest Charged +$108.06 Late Payment Warning: If we do not receive your minimum New Balance $8,285.08 payment by the date listed above,you may have to pay a late fee of up to$35.00 and your APR's will be subject to increase to a Opening/Closing Date 10/10/10-11/09/10 maximum Penalty APR of 29.99%. Total Credit Line $19,500 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Available Credit $11,214 you longer to pay off your balance. For example: Cash Access Line $3,900 Available for Cash $0 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 32 years $22,565 payment $290 3 years $10,432 (Savings=$12,133) If you would like information about credit counseling services,call 1-866-797-2885. The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result,your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help,but you need to call us now at 1-888-792-7547(collect 1-302-594-8200). This account is closed and no longer available for use. If you have a balance remaining on the account,please continue to make monthly payments by the due date. Thank you. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount ,r.....4.r.<2}., ,fs E f ....z...i i.r kt St4, ,nvx..x w..,u,. u.Al s 1 t. . u. 1,.. 11/07 LATE FEE 25.00 TOTAL FEES FOR THIS PERIOD $25 00 z `jN�'EI '�t C!lARCa,E Z c 11/09 PURCHASE INTEREST CHARGE 3.55 11/09 CASH ADVANCE INTEREST CHARGE 28.57 11/09 BALANCE TRANSFER INTEREST CHARGE 75.94 TOTAL INTEREST FOR THIS PERIOD $108.06 201i!'rptats Year-to*ate,.,. '. Total fees charged in 2010 $192.00 Total interest charged in 2010 $898.73 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 14.24%(v) $41.22 $0.50 $0.00 Purchases 26.24%(v) $137.04 $3.05 $0.00 This Statement is a Facsimile -Not an original 0000001 FI033338 0 5 000 N Z 09 10/11/09 Page 1 of 2 06598 MA MA 11381 31310000050001138101 X • Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: — City: — State: -- Z p: --- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: To service and manage any of your account(s),we,our representatives,JPMorgan Chase representatives,and/or affiliates,may contact you at any telephone number you provide to us. Please refer to your Cardmember Agreement for additional details about the use of your personal information and/or visit our website shown below to provide us with additional contact information. To contact us regarding your account: _ By Telephone: 9 ® O In U.S. 1-800-945-2000 MENNE Esparto! 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Website: TDD 1-800-955-8060 Pay by phone1-800-436-7958 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 cash advent checks(`check Iransacliut'),purchases,balance Irairsfe's.cash advances,promotion!hnlances or overdraft advances).These calretMtions may Crediting at P2yme nix:You may make payments Sy any of the options listed below. cgrebir a ifilferent categories with Na same Oerl0di1 rates.tuaiiab a tales will vary The amount el your payment should heal least your minimum payment due.payable wit the market haled on the Prime Rate tor such index described in VC!,Account M 11.5.dot ars and drawn cr nyable through a U.S.financial Instdudgn or Cie 11.6. Agreement/.There is a minimum interest charge of 51.50(or suchen-meet described branch of a foreign financial Irshtnion. in year ACCeuni Agreement)is any Milled CYda in which you awe any gariotllc Vail may make payme is by equal I.S.mad.Send your payment to Is Payments serest charges,and a tansanti,n rep for each isatenee transfer,rash advance,or address shown on'55 statement Your payments by mail meet comply w Ih the check Ira seal on.ill IP amounts stated'hi your Accou d Ag reenwl.as 1 may be instructions on isles statement.00 tut send cash.Write your Accoc.nl number on amended flare's a foreign hanshction fee of 3%of the Il S dollar amount of any Mir check or money order.Payments most be accompanied by tee payment coupon foreign transact:.on for such arnouni described in your Account Agreement). in the envelope provided with our address visible through the envelope window;the How to Avoid Paving interest on Purchases:We begin aSeessirg periodic interest envelope cannot contain more than one payment or coupon;and there can be no charges on a transaction,fee,or interest charge lieir the datelt is added:0 your daily staolei,paper c'ips,tape e'co:respendenca in tided van your payment It year beiane unlit your Account s pact in rd,,as desenbed el your Account Agr amass. payment Is ir aecordance wiht our payment instructions and is made available to us Your due dale wit be a rninhnu r of 21 days followic g the chose Venn bdlmg Lytle. •n any day by 5:00 p.m.localtneat oar Pay a saddress on It slafamen(.Y:ewFl You can awn peen tie inirmst charges on new pumhase when they are firm billed credit L:d pa nmet to your Acccuri as of Mat day If your payment Is it accortince to a statement as described below,but this does it anpty Fc Sawn nesters, Mtn our p yrn,.nI inetrl.etio s Mt is marts evailable to us after 5:00 p m.load time cash advances or overdraft adrarces.:I you receive a cu ant month));statement that at the Payments address on ti's statement we Me credit it to your Account as of Melded new perChaSeS and make a payment that we receive by the dare and time the the next calendar day. Minimum Payment is due Mr that statement,eat will not charge periodic interest on YOU may make parterres eledromcallyteroegh ourwebsite shown on this statement any podien et those new purchases Met we allocate such payment to.to Into as 11 le we receive yon eomrieteJ ,lest on our website by 5 y m.Easters Time,we Mil your current statement also snows that we received pureelli or the ending barer credit your paymere as of that day.It we receive Your Men)actor 5 p.m,fall em for your previous ripntri s statement by the cola and time its Minimum Payment was Time we w 1 credit your payment as or Mir next ealellflar day.if you speedy a future due OR 21 iha'the ending balance for your previous monm'S statement was zero-II dale in your request we will credit year payment as of that day you have a balance otter than a purchase baiarlcc arid that balance carries a higher For all of^:erpayment5 or tor any payment type above far wh'.c.}rou do net`oCOw cur periodic interest rate,you may not be able to into perleele interest names en new purchases if you do not pay your balance in lull each meet.because we general payment instrnoiions,crediting of you paynrts may be delayed for up to 5 days. allocate payments first to the balance with the highest periodic interest rate. Account Information Reputed to Credit Bureaus:We may report information about what To Do If Yoe Think You Find A Mistake On Your Statement your Aceour to creep bareaua.Lade tayerents,missed taynreets or other defaults on your Account may be reflected in you credit report tt you rednk we have reperred it you think there s an error are your statement,write to us o1 a separate sheet at inaccurate information to a credit bureau,you may write to us trine'.neul ries address Customer Service,P.0 Box 15299 Wilmington.TO 19850.5299. shown on ISO statement in your Aster,Dive us the following information: To Service and Manage Any al Your Accountls):We,air:representatives.JPMorgan •Account Intormatios Your name and ApC011m number. Chase representatives and;or affiliates,Inky tract you at any telephone runner you provide to us.Please ruler to your Cardmember Agmereet for additional details •Dollar armlet`en altar armour t of the sasperedeeler. about the use of your personal information. •Description of P'oblem:If you think there is an error on your b'.II,describe Notice About Electronic Check Conversion:When you pay by check,you authorize what you believe is wrong are wily yet.balieve it isa mistake. us ether to use Information tram your Check to make a not me e.notron'c ford transfer from your account or to process the payment as a:heck transaction.Wren You most contact us Millie 6D days after the error appeared on your sfatemer. we use inforriano Morn your 1 k to make elect electrceic fund transfer,lures may oou must no.ny nny pq'C^.nil a refs In Wrtm^y.yon may Cal'Us,bit If you do he wIthdrawit from your account as soon as the nem day we receive your payment we am not required re ievestipate any potentia errors and you may have to pay the and you will not receive y0ar creek back fuorn your financier iestitgion.Call the amount In ceeston. Cusiurier Service number on this statement if you have questions about electronic check cotleena1 or do not want your payments collected electronically. While we invrstlgete whether or not theta las hxm an error,the Meowing em clue. Conditional Payments:Any payment check or other term of payment that you seed •We cannot trite collect the emeriti.:question.or report you as delinquent on us for less lime tee lull balance die Ilan is:narked-paid in tot'or contains a similar that amount natation,or that you otherwise termer 1 l ealisfactier et a disputed mount. emsuui�st,,oAres ssae.n,t to Card Services PO.Be 15049 Wilmington.DE 19850-5049 We The thaw r qua t a may remain yp statement, d we may cent hue 978f. 0ou rights regard he these payments fee.r'.t's d ined here is no to rn g you 1 an haw amount Bur, w n r m e that do a and dispute.o f any such check tie received at ey'other address we may accept n!stake..you'a i not have ta pay It..rn<u:s1 in qucsCen ur any mast o[ the check and you Mil still awe cry remaining balance).We nay refuse to accept other"ass related to Itat amount, any sown payment by returning It to you,not castling it or destroying it Si l Mier •While you On rim have to pay the amount in question,you ere respmsinre for payments that you make should be sent to the regular Payment address shown on the remainder a'your balance. this statement. •WE hull apply any unpaid amount against your credit Unlit Annual Renewal Notice:It your Accept Agreement hes an animal membership far andya similar charge for issuance or availability of youra-.00unt.if will be billed each Your Rights If You Are Dissatisfied With Your Credit Card Purchases year or in monthly or quarterly instantiate./iris tee an a';Merge are owed weelher If yo'u are d ss^fs1 ed wit Me goods ori services mat you have purchased tkete your or nor you se your Account.add yo n o rue to pay Mein viol billed.The areal credit card.and you have'clad in good lath to correct the problem Min the merchant, fee and charge are days store plying cycle(whichever is less)ate(sue provide Me statement on which Ile annael fee or charge is Men and at the same tme,you pay to aye the rtt't all of the following n11:s1 he tree. your outstanding Seance a,full II yet,deLets for a charge hilted more often tree annually such as a monthly service charge,you wIll not men toe last oillee onzrge'. 1-The purchase must have been mode In you Palo nrole or within 100 miles however,prior billed charges are non-retvodebie arm not be pad es part of paying o'Your currant mailing admen,and the purchase price must nave been your outstanding[Wane in fail_Your payment of the e-eneal for e'charge does not more than 550;Note:he'nne'of those are necessary it your purchase was affect our rights to close your Amour-gun to limit you right to make transactions nn based on an acvertisement'we mailed to you,or if we awn the company that your Account.Il your Ae count;s clone by 10u or us,we will continue to impose the sold you the goods or services.) annual lee and/or charge until you pay your outstanding balance in Mean terminate 2.You must nave used your credit card for the pil:ehase.Purchases made with your Account relationship cash advances from an ATM or with a check.Oral accesses your credit card Calculation at Balance Suh(ect to Interest gale:To bgure your periodic,,interest Account do not gully. charges Ion each billing cycle when a deity periodic rela(e)copses,we use the day 3.You must not yet have iugy paid iortne pur'ha50. La aloe rre0iod(including unmet t ansactipas).To figure your periodic interest charges for each hillirg mfele when a moptbty periodic eaten)oeplirs,we use the II all of t.e criteria above mot and you are still disuatlshed with tee immense, average dally Mane method(including current transactions).::-or an explanation or correct us in writing at Customer Service,P.O. Box 15295 Wilmington, OF killer method.or questions about a particular interest charge catwla:Ion on your 19850-52991 stzlepmnt.please Lail It at the toll iced costumer service phone number listed above. While we investigate,the same rules app:y to Ile disputed amount as discussed We calculate periodic interest charges.using the mineable periodic rates shove above.After we licish cu'invesbgatioo,we will tell you our decision.Al that point if on the statement.separately for each feature lie 9.,Deleon:ranter cheeks and our think you owe an amount and yeu do not pay um may report you as determent. MA6292010 Statement Date: 10/10/10-11/09/10 Account Number: X3780 Page 2 of 2 I INTEREST CHARGES(CONTINUED) 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 Cash Advances 19.24%(v) $1,748.37 $28.57 $0.00 Cash Advances 2624%(v) $0.00 $0.00 $0.00 Balance Transfer 1424%(v) $6,279.92 $75.94 $0.00 Balance Transfer 2624%(v) $0.00 $0.00 $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. 9780500 This Statement is a Facsimile -Not an original X 0000001 FIS33338 D 5 000 N Z 09 10/11/09 Page 2 of 2 06598 MA MA 11381 31310000050001138102 MEM MEM omm IRMO 9780500 Return Mail Only-No Correspondence - Midland Credit Dept. 12421 I I Management, Inc. PO Box 603 Oaks, PA 19456 P 111111111111111111111 1115111111 #444A,F64,11V4id:411,1MV.1,61,41,4:41141M4444144:1:4014 8551515927 ` 5 a -a 07-15-2012 CHASE BANK USA, N.A. #BWNHLTH 63030.1941 ' �; _ #0000 0855 1515 9276*1 1i e a'- A� � ' a w JOSEPH P RUANE 133 WESTGATE DR $8,336.81 MOUNT HOLLY SPRINGS, PA 17065-2010 I ��III aJlla,ILa�la6�al 111 a alllla a allaaalLa�I lI 07-28-2012 Dear JOSEPH RUANE, Midland Credit Management, Inc. has made several attempts to contact you WHY NOW? regarding this account. This letter is to inform you that we are considering forwarding this account to an attorney in your state for possible litigation. ),e pey be your last Upon receipt of this notice, please call immediately to discuss your options. nCeG work with 'fefore the account If we don't hear from you or receive payment by 07-28-2012,we may . ffl an attorney. proceed with forwarding this account to an attorney. , 1 up S I credit.report will .Jdated with the What do you need to do to stop this process from continuing? 'finents made!"* '{ 1) Mail in $750 and call to set u remaining payments,p your remainin a ments,or Make all of 2) Call us today to see how to qualify for discounts and affordable tr agreed-upon payment plans. to settle rOcaount;your credit rt WiU be updated LET US HELP YOU! If the account goes to an attorney, our flexible � , options may no longer be available to you.There is still an opportunity to fi` make arrangements with us.We encourage you to call us today: CALL US TODAY! (800)939-2353 (800)939-2353 Hector Torres, Division Manager >> 1kq (800)939-2353 Hours of Operation: PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION AND M-Th 6am-7pm; ADDITIONAL DETAILS ABOUT YOUR ACCOUNT. Fr 6am- 2:30 Sat Gam-2:30pm Pacific Time Your credit report will not be updated if the federal reporting period has expired. Please tear off and return lower portion with payment in the envelope provided moilivAko- t For ease and convenience, make payments MCM Account No.. 8551515927 t online and view additional offers at: Original Account No.: 4266841193963780 I Current Balance: $8,336.81 t www.midlandcreditonline.com Payment Due Date:07-28-2012 4 Amount Enclosed: Make check payable to: Midland Credit MCM Midland Credit Management, Inc. 9780500 Management,Inc. P.O. Box 60578 Los Angeles, CA 900600578 Ilal aII lla.�al1 alla.alla.�al,I ala,illail.hail laalallaial 12 8551515927 6 0828780 072812 3 53030-3A74- 1941 Verification Angela Schaefer, being duly sworn(or affirmed) according to law deposes and says that I am employed as a Legal Specialist for Midland Credit Management, Inc. ("MCM"), servicer of this account on behalf of plaintiff. I am a competent person over eighteen years of age, and make these statements herein based upon personal knowledge of those account records maintained on plaintiff behalf. I am authorized to make this verification on plaintiff behalf. The facts set forth in the foregoing pleading are true and correct. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. JUN 12 2013 Date Angela Schaefer OH14 Weltman, Weinberg & Reis. Co., L.P.A Page-2 1111111111111111 11111111111111111111111 i 1111 ®I®iiaiui III 8551515927 AFFINDEBTMEDIA 09780500 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on: C> day of , 2013 upon the following: Joseph Ruane 133 Westgate Drive Mount Holly Spring, PA 17065 By: Matthew D Urban, Esquire J` IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND FUNDING LLC Plaintiff CIVIL TERM NO. 13 - 4 V. JOSEPH RUANE Defendant ' NOTICE TO PLEAD , TO: MIDLAND FUNDING LLC c/o Matthew D. Urban, Esquire You are hereby notified to file a written response to the enclosed Preliminary Objection within twenty (20) days from service hereof or a judgment may be entered against you. J sep P. Ruane, Defendant IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND FUNDING LLC Plaintiff CIVIL TERM NO. 13 - 4 V. JOSEPH RUANE Defendant PRELIMINARY OBJECTION TO AMENDED COMPLAINT AND NOW COMES the Defendant, Joseph Ruane, who files his Preliminary Objection to the Plaintiff's Amended Complaint, as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account issued by CHASE BANK USA, N.A.. 2. The Defendant was served with the Amended Complaint on June 28, 2013. Preliminary Objection — Pa. R.C.P. No. 1028(a)(2) — Failure to conform to rule of court (failure to state whether agreement is oral or written, state its terms, and/or attach written contract upon which the claim is based) 3. The Amended Complaint alleges this action is based upon a credit agreement. 4. Pursuant to Pa. R.C.P. No. 1019(h), where a claim asserted is based upon an agreement, the pleading must state whether the agreement is oral or written. 5. The Complaint does not state whether the agreement is oral or written. f 6. Pursuant to Pa. R.C.P. No. 1019(1), if the agreement is written, it must be attached to the pleading or, if not, the pleader must explain its absence and set forth the substance of the agreement. 7. The Plaintiff has failed to describe the terms of the agreement and has not attached a copy of a written agreement or explained its absence. WHEREFORE, the Defendant demands that his Preliminary Objection be sustained, and the Plaintiff's Amended Complaint be dismissed. Respectfully submitted, Jo eph V. Ruane, Defendant Y VERIFICATION The statements made in the foregoing Preliminary Objection to Amended Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authorities. seph P. Ruane, Defendant DATE. Ic WELTMAN,WEINBERG & REIS CO., L.P.A. BY: Matthew D. Urban Attorney for Plaintiff(s) I.D.No. 90963 436 7th Ave Ste 1400 Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File# 9780500 MDU/SJS MIDLAND FUNDING LLC Cumberland County Court of Common Pleas vs. No.: 13-4 CIVIL TERM JOSEPH RUANE PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter without prejudice . WELTMAN, WEINBERG&REIS CO., L.P.A. By Matthew D. Urban, Esquire Attorney for Plaintiff 111111111111111111111111111 II 111 1111111111 11111 11111 1111 11 111 IIII - t7o (,r- GZ' r 6 -<e3 j CD