Loading...
HomeMy WebLinkAbout13-2841 Supreme Court,o; Pe,`nnsylvania " ; " ;R0 20039024 C A Pit ABR Cour kif Common - Pleas For Use Orr evil= Co;er,�She�t h' CUMBERLAND. ,� Coun Docket No: o a The information collected on this form is used soleh! for court adminish•ation purposes. This form does not supplement or replace the filing and seta -ice of pleadings or other papers as required bill lam or rules of court. Commencement of Action: S Ql Complaint ❑ Writ of Summons ❑ Petition E Transfer from Another Jurisdiction Declaration of Takin C Lead Plaintiffs Name: Lead Defendant's Name: T MIDLAND FUNDING LLC RICHARD RYAN I 0 Are money damages requested? E3 Yes ❑ No Dollar Amount Requested: ® within arbitration limits N (check one) ❑ outside arbitration limits A Is this a Class Action Suit? 13 Yes IR No Is this an NMJ Appeal? 13 Yes W No Name of Plaintiff /Appellant's Attorney: William T. Molczan,47437 ❑ Check here if you have no attorney (are a Self- Represented [Pro Sel Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Protection Administrative Agencies ❑ Malicious Prosecution M Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E [3 Product Liability (does not include [3 Employment Dispute Mass tort) Discrimination C ❑ Slander/Libel/Defamation ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other: ❑ Other: I ❑ Other: O N MASS TORT ❑ Asbestos 13 ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - DES ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Toxic Tort — Implant ❑ Eminent Domain /Condemnation Cl Declaratory Judgment ❑ Toxic Waste ❑ Ground Rent ❑ Mandamus ❑ Other: ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Retraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Waranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: Updated 1/1/2011 HE PRO 0TARy 7013 Ay 20 AN 1/: 54 CVMWL4ND COUNTY PEN�4S YLVQNI.4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION MIDLAND FUNDING LLC Plaintiff No: VS. COMPLAINT IN CIVIL ACTION RICHARD RYAN Defendant 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 20039024 C A Pit ABR v 1L - IJboll ?6&9 / IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION MIDLAND FUNDING LLC Plaintiff VS. Civil Action No RICHARD RYAN 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 f 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§ records show that the Defendant(s) RICHARD RYAN is/ are individual(s) residing at 124 SUMMER LN, ENOLA, PA 17025. 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 XXXXXXXXXXXX5147 (hereinafter "the account "). Midland Credit Management, Inc. (hereinafter "MCM") services the account on behalf of Plaintiff. 5. MCM§ 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§ records show that the defendant(s) owed a balance of $3361.86 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 $3361.86, together with interest and costs. Weltman, Weinberg & Is, Co., LPA Attorney for Plaintiff Page - 1 I�I�IIIII���M�IVIIII�g1�10 I�IIII�IIIIII���IIIA�IIIIII�l0l�llllll�l I111111111111�111�1111111�� 8551501491 AFFINDEBTMEDIA 20039024 Payment Due Date New Balance Past Due Amount Minimum Payment 11/27/10 $3,386.86 $1,210.00 $1,379.00 Account number: 5147 Make your check payable to: $ 1 Chase Card services. Please write amount enclosed. New address or e- mail? Print on back_ 2755 BE RIC J RYAN Z 30810D RIC HAR 11111111111 111111111111111111 It 1111121111111111111111 1 11111111 RIC 124 SUMMER 2 LN ENOLA PA 170 CARDMEMBER SERVICE 25 2188 PO BOX 15153 WILMINGTON DE 19886 -5153 1u1111nII11u1Is I1I1I III 1111I s Bills 111so In111111#1 1111to I slate !Q Manage your account online: Additional contact Information /rom CHASE www.chase.com /creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number. 40MONSVISM147 New Balance $3,386.86 Previous Balance $3,435.45 Payment Due Date 11/27/10 Payment, Credits -$10000 Minimum Payment Due $1,379.00 Fees Charged +$25.00 Late Payment Warning: If we do not receive your minimum Interest Charged + $2g,g1 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 New Balance $3,386.86 maximum Penalty APR of 29.9946. Opening/Closing Date 10/03/10 - 11/02/10 Minimum Payment Warning: If you make only the minimum Total Credit Line payment each period, you will pay more in interest and it will take x.200 you longer to pay off your balance. For example: Available Credit $813 Cash Access Line $840 If you make no You will pay off the And you will end up Available for Cash $0 addonal charges balance shown on paying an estimated using this card and this statement in total of each month you about... pay... Only the minimum 8 years $4,172 payment If you would like information about credit counseling services, call 1 -866 -797 -2885. The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at 14888 -792 -7547 (collect 1- 302 - 5948200). 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 o T Description $ Amoun 1 # t �.'�, r``�� .�n ,W fi ''ifitt7'.S�f�£s�`A�°r, `� , ru '^.�,' .-i rx 10119 Payment Thank You Electronic Chk 100.00 NE Z 10!27 LATE FEE BEEN TOTAL FEES FOR THIS PERIOD $25.00 11/02 PURCHASE INTEREST CHARGE 17.80 11102 PROMOTION INTEREST CHARGE 8.61 TOTAL INTEREST FOR THIS PERIOD $26,41 8p8p EHIB4 I Total fees chergedin 2010 $309.00 Total interest charged in 2010 $256.69 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 12.24% (v) $1,712.02 $17.80 $0.00 Cash Advances 19.24% (v) $0.00 $0.00 $0.00 Balance Transfer 12.24% (v) $0.00 $0.00 $0.00 This Statement is a Facsimile - Not an original X 0000001 FI -SM338 o 12 000 N Z 02 10111/02 Page 1 W2 W5e8 MAMA 27551 30610000120002755101 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: — - - - -_ City: — ------ - - - - -- State: -- Zip: - - - -- -- 1. Home Phone: - -- - -- - - -- Worst Phone: - -- E-mail Address: ---- - - - -_- ------------------ To service and manage any of your account(s), we, our representafives, 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 L and/or visit our website shown below to provide us with additional contact information. r To contact us regarding your account: © By Telephone: In U.S. 1- 800- 945 -2000 Espafiol 1- 888-446 -3308 Send Inquiries to: TDD 1 -800. 955.6060 q Mall Payments to: Visit Our Webslte: Pay by phone 1- 800436 -7958 P.O. Box 15298 P.O. Box 15153 wvnv h= pray r tit pMs Outside U.S. call collect Wilmington, DE 198505298 Wilmington, DE 19886 -5153 1- 302 -594 -8200 Information About Your Account cash advance checks ("check frateactiur ly purohmse, bai:E_ InUMIers, cash crediting of Payments: YOU miy make Payments by ary of the OPINS listed below. advances, prommimal balmo or auerdm0 adwon se ces). The rnlalalions may Theamountol your payment should beat least your minimum payment due, payable combine different categories Fifth the same periodic rates, Variable rates will vary In ILS. dollars and drawn or payable through a U.S. flnarclal Indoution or the U.S. with the market based on the Prime Rate for such index described in your Account branch of a foreign financial inst:r nkn. Agreement). There is a minimum interest charge ot51.50 (or such amour: tlesditled is your Account Agreement) in any billing cycle in which you Eyre ant periodic Yau may make payments by regular U.S. mail. Send your payment to fee Payments Interest charges, and a barsadlon fee for each balance transfer, cash Advance, or address shown on this statement. Your payments by mall mull comp* the check hansarrion, in she amounls stated in your Account Agaertant as it may be instrucl ins art this stateraant Do Fiat send cash. Write your Account number on amended. There is a foreign tansarfign feu of 3% M the ILS. dphlar amauM of am/ your check or money order. Payments must be accompanied by the payment coupon foreign uansac! OFF (or such amount described in your Account Agreement). in the envelope provided with our moral visible through the envelope window; the envelope cannot contain more than on.. payment or coupon: an0 mere can be no How to Avoid Paying Interest on Purchases: We begin assessing Periodic interest stales, paper clips tape or wres0044anw included with your payment. if your charges on a tmnsactan, fee. or interest charge tram thedsteR is added tc Your dally payment is in accordfnce with oar payment irsiruchons and is made available to as balance until your Account is paid in lull, as desidoed n YOar Account Agreement. an any day by 5:00 p.m. tart time at our Paymeres address an this statement. wewill Yom due dale will boa minimum 0121 days intimating Om dust of each billing cycle. credit the payment to your Account as of that day. if your payment is In ace You can avoid Palladia interest charges nn Frew pnM.nras when they are hunt hi!IO:I w.lth cur Payment inweatimra, but is made eveliable to us after 5:00 fi firer to a statement as described below, but this does nut apply lq balance Usu l at the Payments address on this slal(rnaeal we will credit it to year Account as of cash advances of overdraft advances. If you receive a current monthly statement that the next calendar day, includes new purchases and make a payment that we receive by the dare and time the Minimum Payment Is due for that statement, we nit not charge perodic interest on You may teaks payments election ;caliyth rough ourwebsi;e shown on this slatemaM. any portion of those new purchases that we allocate such payment to so long as l) C we receive your completed request an our vvasAa by p.m. Eastern Love, we will your current siatentmd also shows that we received payment of me mtuing balance credit your payment as Of that day. If we recewe your redues! after 5 p.m. Easiem far your previous mumn•s slalementty the data and time As Minimum Payment was Time, we will credit your paymment as of the Awn calendar dory. If you sprool a lutua due OR 21 that the ending belance for your previous emits sh umbem was zero. II data in your mqursl we wit crrdp your payment as of that day, you have a balance other than a purchase balance and that balance carries a higher For an other payments Of for any payment Periodic interest rate, You may not be able TO avoid Dark do Imm cireges on new payment i b hype for with you do net da purchases if you do not pay Your balance in full each nth, because we generally Account i ma oit of your paymentis s may be delayed information n 5 days, mo em cop 5 ys. agOpjte payments first m the balance will the highest perimc Interest rate your Account tount t o cred Feu geported it aureaus. into Payments. s, mhssad payments or et Credo Bureaus :Wemayreportorot her defzulis faults What To 0011 You Think You Find A Misfake 0. Y um aur SlafeM nn your Account may ae m011.1ed to ymlf credit report It yda mink we have reported It You think there is an error On your salemem, write to us on a separate sheet at inaccurate information toe credit but eau, you may woke to u6 at the local, ies address CastemAf Servicr, P.O. Box 15299 Wilmington, DE 19850 -5299: shown on this statement T Service and Manage AM of Your AccouM(6); We, our mproompetwos, JPMorgan III your letter, give us the following pronaal[am Chas,. represnnmttvrs, and /Fir ahllMtes, may contact You at any mlephmfe numb' • Account Information: Your name and Account number, you provide to us. Please infer to your Car amoral Agreement for additional details •DLIA amount ?Fir.emhir amnurt of the susparmat error. about she use of your personal Information. Notice Abort Electronic Check Conrerelon: When ywu pay by check you authorize ' Description of Problem: It you think there is an error on your bill, describe us either to use Information from your check to make a one -time e:ectron:c fund what you believe Is wrong end way you believe It is mistake. transfer f tom your aCauM or to process the payment as a check lransacuan, When You must contact as within 60 days after the error appevad on your statement. n2 use i'Amb eliun earn you, check fo broke an eledronic furnl transfer, roads may ypg must Em" us of any p01eE[lal Crrom In writlrg. You may call its, but it you tlo be withdrawn from your accotn da f as so es ME same day we mcoivo your Payment. and you will not receive your check back Imm your financial inslaalion Call the we are Trot required to investigate any Date dual errors and you may have W pay the Customer Service number on file statement ill you have questions about HIC " e amoum in question. check collection or do not want your payments allnetetl Electronically. Wine LEE investigate voloal OF net there has bcen an error, the Intlnwlm am true: Ccudilional Payments; Any payment check or other form of payment that you sentl •Wecanncitryto collect the amount in geedirm, e; repartyau as delinquent on us for y5, than the full ba!aaco due mat is marked - pi in lull` Or Con that amount. nplaUun, cr that you udternise tender in full satisfaction of a disputed amount, must tin sent to Card Services, P0. 8ax 15049, WH,ntill DE 19850.5049. Wo • The charge In (IMellon may rnmain cn your aboa nenl, coed wo may continue reserve all our fights regarding theca payments ie.9_ t r is determined there is no to charge you interest an tat ammmt . gut, if we determine that wm made a valid dispute ar it any such check is received all any other address, we may accept mistake, you will nut have to pay the fmcant M guestion or any Merest or the check and you will stir owe any remaining trdanee). We may mouse to accept other lees related to that amount. any such payment by returning It to you, not gaahteg it or destroying it All meet • While Yoe de not have to pay the amount in Question, YOU ate re5pforum1e ter Payments that you make should bs sent to the regular Payment address shown on the remainder of your aatance. this statement. Annual Renewal Notice: It • ur Amount • We Oil FWPlyarry unpaid amuun[against Our credit In it N Agreement has cob annual memafmMp luf End /or similar charge. for issuance or evelileattly at youraraunt. itwlllhebilledearh Your Rights if You Are DlseatlsBad With Your Credit Card Purchases year 0, in monthly or quarterly lnsfal!meas, Thy fee andlor charge are owed wheihor It You are diss:1159etl with ran odds Fir cervira!s ttut you have uehasetl with ar nor you use your Account. and you agree W pay them when billed. The annual y 9 D r your tee and Charge am non }Undea!e dn185E YOU rotifY JS that you dish to GOae your Credit Card, and you have :tied in good WELL to tooted the Problem with the merchant, account within 30 days or one billing cycle (who hower is less) after wa provide me You may have the right not to pay the remaining amount on on the Wmhel statement on which the annual fee of acaroe is billed and at the same brae, you Day To use this right. all of the following must be true: Your outstanding balance In full. It you do this, far a charge billed mom often than annually such as a tnonmty service charge, YOU wig not two the list b!Ilyd bill I. The purchase most have been made In your hone state or within Igo rapes However. pilot billed charges are non - refundable and must be paid as part of paying of your currant nlallinp address, and tire purchase Price must have been Your outstanding balance In full, Yom taymam of the annual fee or charge does net more than $50. INoto: NDdher of these are necessary if your purchase was ;affect our nigh. rude. your Accoun Ard to emit your right in make umara:doaa an based on an advertise",. we mailed to you N B we ow:n. me company flat your Account. Il your Account is dosed by Vail or us. wit will continue to impose the sold you the goods crstricamI annual fee andlor dirge until you pat your outstandimg balance in full and terminale Your Account mist urshlp. 2. You must have used y,mr credit to to, the puabasse Purchase., mad. w ith cash advances frmn An ATM or with a check ther accesses your credit Card Calculation of Balance Subyd to Interest 8216: To figurn your penndlr. Interest Account do not cudify. charges for each billing cycle vdan a daily periodic rate(&) applies, the use the daily balaree method (including arrant transactions). To fil your periodic interest 3. you must not yet have fully cold for the purchase. charges for each billing old-, when a mammy periodic rat(s) anppes, we use .he If all of the cdtmia shove am met and you am OUR dissatisfied with me pnc average daily balance method (including current menacibns). For an. explanation of am ct us in with a1 Customer Service, P.0 8ox 15299 Yllmitg OF slither memod, or questions about a particular interest Sharpe calculation on your 19850.5299: satempnt. Dkbm call us at the toll tree customer service phone number listed above. While We Invesegafe, the same rules apply to the disputed amoum as discussed We calculate periodic Ill charges. using the apparel parodic rates shown Above. Ater we finish Our investigation, we will tell you our deell At that point, it on this statement, separately for each feature (e.g., paINO transfer checks and we think you no An am reel and you do nm pay., may reghrrt you a dn!Inq_,I, MA6292010 ` Statement Date: 10/03/10 - 11/02/10 Account Number: 5147 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 Promotion 5.99% $1,693.46 $6.61 $0.00 (v) = Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice, How to Avoid Interest on Purchases, and other important information, as applicable. This Statement is a Facsimile - Not an original X 0000001 FIS3333B 012 000 N Z 02 10/11/02 Page 2 of 2 06598 MA MA 27551 30610000120002755102 4 Verification David Patton, 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. APR 2 3 201 Date David Patton OH 14 Weltman, Weinberg & Reis. Co., L.P.A Page - 2 8551501491 AFFINDEBTMEDIA 20039024 'U�:.��s H- HO a o' 2713 !UIN -3 Phi 1: 2� CI IBERLAI40 CO HI pt:NNSYLVAHI Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)'975-2309 mpykoshO-ggplaw,com Attorney for Defendant MIDLAND FUNDING LLC : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. No: 2013-2841 RICHARD RYAN Civil Action — Law Defendant NOTICE TO PLEAD To: Midland Funding LLC c/o William T. Molczan, Esquire Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from the date of service hereof or a default judgment may be entered against you. Respectfully Submitted, . Date: Un : 3 xw-s 1�� & Michael J. Pfpyosh,tsquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire I D#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh(a)-dplglaw,com Attorney for Defendant MIDLAND FUNDING LLC : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA. V. No: 2013-2841 RICHARD RYAN Defendant Civil Action — Law DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the Defendant, Richard Ryan, by and through his attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files her Preliminary Objections to the Plaintiff's Complaint, and avers as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account assigned to Midland Funding LLC by Chase Bank USA, N.A. of which Plaintiff claims to be the Original Creditor. Comp. 11 & 4. 2. The Complaint was filed on May 20, 2013. First Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 3. Pa. R.C.P. 1028(a)(2) allows a party to preliminarily object to a pleading if the pleading fails to conform to law or rule of court. 1 4. Plaintiff's Complaint fails to conform to Pennsylvania Rules of Civil Procedure. 5. Pursuant to Pa. R.C.P. 1019(i) Plaintiff has failed to attach a copy of the complete writing, more specifically the Loan/Credit Agreement, or the material part thereof, or, in the alternative, state, with the reason that the writing or copy thereof is not accessible to the Plaintiff and the substance of the writing in violation of Pa. R.C.P. 1019(i). Remit Corporation v Miller, 5 Pa. D&C 5t" 43. Second Preliminary Objection- Pa.R.C.P. No. 1028(a)(2) Failure to Conform to Rule of Court 6. The Plaintiff is not the original creditor, but rather assignee of the original creditor. Comp. 11 and 3. Since the Plaintiff's right to maintain an action as an assignee is predicted upon written assignment or agency agreement, that writing must be attached to the Complaint, pursuant to Pa. R.C.P. 1019(i). 7. By failing to attach a copy of the assignment of the debt to the Plaintiff, the Complaint does not comply with an express rule of court, in violation of Pa. R.C.P. 1028(a)(2). Remit Corporation v Miller 5 Pa. D&C 5th 43 and Capital One Bank v. Clevenstine, 7 Pa. D&C 5th 153. 8. "Exhibits "A" through "C", which purports to be Bills of Sale, fails to identify Defendant's account. Third Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 9. Pursuant to Pa. R.C.P. 1028(a)(2), a party may file a Preliminary Objection based upon the failure of a pleading to conform to law or rule of court or inclusion of scandalous or impertinent matter. 10.Plaintiff's Complaint is based upon a contract. 2 11.Plaintiff asserts a cause of action based upon an account stated theory of recovery. 12.An account stated theory of recovery is not applicable in credit card cases. Capital One Bank (USA) NA v Cleverstine, 7 Pa. D&C 5th (Ct. COM. pl. Centre County 2009). JMMM PC Company v Patricia Stillwagon 2011 Pa. D&C Dec. Lexis 24 (Luzerne County). 13.Plaintiff in pleading account stated cause of action is not permitted to escape pleading requirements otherwise applicable. CitiBank (South Dakota, N.A.) v Xenofon Skaboulos, No. 09-8676 (Cumberland County). Fourth Preliminary Objection- Pa. R.C.P. No. 1028(a)(3) Insufficient Specificity in a Pleading 16.The Complaint contains only a general assertion of the amount the Plaintiff claims is owed by the Defendant. It provided insufficient detail as to the date(s) on which the debts were incurred, the amounts incurred on each date, the dates or amounts of payments, nor dates of accrual and amounts of interest charges and other fees. 17.Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be included in a Complaint of this type. 18.By not including the requisite detail of the account, the Complaint fails to conform to an express rule of Court. Fifth Preliminary Objection- Pa. R.C.P. No. 1028(a)(4) Demurrer to Court 19.Plaintiff has failed to allege facts sufficient to maintain a cause of action for Breach of Contract and Account Stated. 3 20.Plaintiff has failed to fulfill the pleading requirements for an account stated cause of action. Sixth Preliminary Objection- Pa. R.C.P. 1028(a)(5) Plaintiff is stranger to Defendant 21.Pa. R.C.P. 2002(a) required that an action be brought by the real party in interest. 22.By failing to attach a copy of the necessary writing by which the Plaintiff would become the assignee of the account and thus the real party in interest or an agency agreement, the Plaintiff has failed to conform with the requirements of the aforesaid rule. 23.Plaintiff has not shown standing or capacity to sue Defendant. 24.Since this matter was not brought by the real party in interest it must be dismissed. WHEREFORE, the Defendant respectfully requests that her Preliminary Objections be sustained, and that Plaintiff's Complaint be dismissed with prejudice. Res ectfully ubmitt , Date:, 20 13 ichael J. P cosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant 4 Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh(a)dplglaw,com Attorney for Defendant MIDLAND FUNDING LLC : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. No: 2013-2841 RICHARD RYAN Defendant Civil Action — Law CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Defendant's Preliminary Objections to Plaintiff's Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Midland Funding LLC c/o William T. Molczan, Esquire Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Respectfully Submitt d, Date: 0 0 3 Michael J. P os , Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant 5 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson FiL# Sheriff f`# ,_ _ f �' { ° s 1 l �) I rt' I `a ���titittr df �rr�wtrrp'��,,,r� Jody S Smith Chief Deputy aE� —] AM 10: (, Richard W Stewart Solicitor OFFICE OF THZ SVERIPC PE MSYLVANIA Midland Funding LLC Case Number vs. Richard Ryan 2013-2841 SHERIFF'S RETURN OF SERVICE 05/29/2013 12:55 PM - Deputy Ryan Burgett, being duly sworn according to law, served the requested Complaint& Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Richard Ryan at 124 Summer Lane, Silver Spring Township, Enola, PA 17025. RYAN BURc�ETT, DEPUTY SHERIFF COST: $44.95 SO ANSWERS, May 30, 2013 RON y R ANDERSON, SHERIFF (C)CountySuite Sheeiff,'releosoft,Inc. IN THE COURT OF COMMON PLEAS CUMNERLAND COUNTY, PENNSYLVANIA CIVIL ACTION MIDLAND FUNDING, LLC, . -4 Plaintiff, v. NO.: 13-2841 CIVIL ' --3 `_ G3 -0 t RICHARD RYAN, P.Gy -.4 ^, {v Defendant TYPE OF PLEADING: AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff Matthew D Urban, Esquire PA I.D. #90963 WELTMAN,WEINBERG& REIS CO., L.P.A 1400 Koppers Building 436 Seventh Avenue Pittsburgh,PA 15219 (412) 434-7955 WWR: 20039024 IN THE COURT OF COMMON PLEAS CUMNERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION MIDLAND FUNDING, LLC Plaintiff vs. Civil Action No. 13-2841 CIVIL RICHARD RYAN 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, Richard Ryan, is an adult individual residing at 124 Summer Lane, Enola, PA 17025. 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 October 14, 2010. 15. MCM's records show that the Defendant(s) owed a balance of$3361.86 as of August 21, 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. WHEREFORE, Plaintiff respectfully requests that the judgment be entered in favor of Plaintiff and against Defendant(s) in the amount of$3361.86,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 Richard Ryan 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 extended a revolving line of credit by issuing a Discover credit card to the Defendant, along with a cardholder agreement listing the terms and conditions of the account. 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 as set forth in the "Using Your Account" section 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 the cardholder agreement as set forth in the "Making Payments" section of the agreement, 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 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$3361.86, together with interest and costs. Respectfully Submitted, Matthew D Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG & REIS, CO., • L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR#20039024 CHASE BILL OF SALE Closing Date: 05/30/2012 Chase Bank USA,N.A.("Seller"),for value received and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated 12/28/2011 between Chase Bank USA,N.A.and Midland Funding LLC ("Purchaser"),its successors and assigns("Credit Card Account Purchase Agreement"),hereby assigns effective as of the File Creation Date of 05/22/2012 all rights,title and interest of Seller in and to those certain receivables,judgments or evidences of debt described in the Final Data File,entitled(Account's • Primary File Name)attached hereto and made part hereof for all purposes. ,�pf M n1 •c; #5Y Amounts due to Seller by Purchaser in hereunder shall be paid U.S.Dollars by a wire transfer to be received by Seller on(the"Closing Date")05/30/2012 by 2:00 p.m.Seller's time,as follows: III+I I ft 4,1141p uf{4 4 3k$jf SS ° .•f <r✓ v� rS�_��� 6 �. 4:u i;•a.:'�...!:Q.."..'44. y„-{4{: s`:zt:�.I}x.A4. .1'n. �Y.vi? `w'k.1:... 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 's din. LLC I By: - By: Al Ericka Lon! Date: 05/24/26 Date: S-5 —2t711.- J.Brandon Black Title: Team Leader Title President 20039024 ' . Approved by Legal .• ' .�..°......:.�� ' i . ... . 1__ Payment Due Date New Balance,• Past Due Amount Minimum Payment 06/27/09 $3,965.26 • • $0.00 • • $79.00 . Account number:4266 8410 4102 5147 . Make your check payable to: - .- - - et. •Chase Card Services. . _ • Please write amount enclosed. New address ore-mall? Print on back. •42668410410251470000 7900003965260000008 44546 BEX Z 15309 D 1111111111rlfllll 111111111111 lull rll11111111'Ir111111111.11111 RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 11111111 11111111 1111 141111111111116 d 11111111111114111 L u I 1:5000 160 281: 203104 10 2 514 7all' Statement Date: e�J A SE 0 05/03/09-06/02/09 ® Manage your account online: ff77M G www.chase.com/creditcards Minimum Payment: $79.00 Payment Due Date: 06/27/09 Additional contact Information conveniently located on reverse side ACCOUNT SUMMARY VISA Account Number: 4266 8410 4102 51471 Previous Balance $4,019.39 Total Credit Line $4,200 Payment,Credits -$80.00 Available Credit $234 Finance Charges +$25.87 Cash Access Line $840 New Balance 63,96526 Available for Cash $234 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 05/11 Payment Thank You Electronic Chk -80.00 FINANCE CHARGES I Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.03353% 12.24% $1,067.10 $11.09 $0.00 $0.00 $11.09 Cash advances V.05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summary .01641% 5.99% $2,905.44 $14.78 $0.00 $0.00 $14.78 Total finance charges $25.87 Effective Annual Percentage Rate(APR): 7.81% Please see Information About Your Account section for balance computation method,grace period,and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges-including transaction fees such as cash advance and balance transfer tees-expressed as a percentage. IMPORTANT NEWS I Please note that your payment due date has changed, effective this month.To select a payment due date that works best for you,please call customer service. To pay the amount due,you can access our website displayed on this statement,or call us at 1-800-436-7958. 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 868-589-3608. Identify yourself as a Chase Cardmember(this Is NOT a Chase customer service 9). Celebrate Our Biggest FREE Nights Offer! Stay any 2 nights,then enjoy a FREE night at participating hotels,including Intercontinental, Crown Plaza,Holiday Inn end Holiday Inn Express. EXHIBIT 20039024 . This Statement is a Facsimile -Not an original 0000001 11533338 0 12 000 N Z 02 0506102 Page 1 of 1 05686 MAMA 44546 15310000120004454001 X 114 51389 4 114S13871 • Address Change Request . . - S. Please provide Information below only If the.address Information on front Is Incorrect. Street Address: — — -- City — State: -- • Home Phone: -- --- ---- Work Phone: __ ---E-mail Address: --� ------- L To contact us regarding your account: _ By Telephone: 7 r- © In U.S. 1.800-945-2000 • VII Espaffoi 1.888446-3308 Send Inquiries to: Mall Payments to: Visit Our webshe: TDD 1-800.955-8060 Pay by phone 1-800-436-7958 P.O.Box 15298 P.O.Box 15153 -Chase 013gel ttiteddds Outside U.S.cat collect Wilmington,DE 19850.5289 Wilmington,OE 19886-5153 —� 1-302-594-8200 same Information About Your Account To gel the daily balance for each day of the current billing cycle. Crediting of Payments:For payments by repular U.S.mall,send at we take the beginning balance for each feature, add any new lases 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 am 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 nal 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 Inland with your payment.If your payment is balance by the daily periodic rate to get your periodic finance cha:ges in accordance with our payment instructions and is made available for float 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 mere 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.II 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 as 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.mall to dally 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 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.It you think we have reported inaccurate information minor variations due to rounding.To get your total periodic finance to a credit bureau,you may write to as 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 the your check to make an electronic tend 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 full is received on your account. payment,and you wit net receive your check back from your financial However,we do not charge periodic finance charges on new purchases institution.Call the Customer Service number on this statement It you billed during a billing cycle It we receive both payment of your New have questions about electronic check collection or do not want your Balance on your 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 clock 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. DC 19850-5049.We reserve all our In Case of Errors or Oeeslions About Your Bill:If you think your bill rights regarding these payments(e.g.,if it is determined there is no Is wrong,or if you need more Information about a transaction on your valid dispute or if any such check is received at any other address.we bill,write Customer Service on a separate sheet at P.O.Box 15299 may accept the check and you will still owe any remaining balance). Wilmington,DE 19850-5299 as soon as possible.We most hear from We may refuse to accept any such payment by returning it to you,not you no later than 60 days alter 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:11 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 10 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 nobly 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 some 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.hut you are still obligated to pay the parts 01 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.II you have authorized us to pay your credit card bill and terminate your account relationship. automatically Irom your savings or checking account,you can slop the Explanation of Finance Charges:We calculate periodic finance charges, payment on any amount you think is wrong.To slop the payment,your using the applicable periodic ratesshown 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 care periodic rates.If there Is a"V"next to a periodic rate on this statement, (exceeding 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 t0 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 mom than S50 and the 20039024 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. h1At11ets • • • • Payment Due Date New Balance Past Due Amount Minimum Payment 07/27109 $4,010.85 $0.00 $80.00 Account number:4266 8410 4102 5147 Make your check payable to: Chase Card Services. - Please write amount enclosed. New address or a-mall? Print on back. • 426684104102514700008000004010850000009 45588 BIXZ 18309D I[I[III1lo�nlll[[l..11 mlrinul�ll[ln[lln�[lnlllnllr[l RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 III 11111(111l 11 11i llll11111111rl[lllulllnlulllI I lI11111 1:5000160 281: 203104 iD 2514780 Statement Date: CHASE 0 06/03/09-07/02/09 ® Manage your account online: www.chase.com/creditcards Minimum Payment: $80.00 Payment Due Date: 07/27/09 Additional contact Information conveniently located on reverse side ACCOUNT SUMMARY VISA Account Number; 4266 8410 4102 5147 Previous Balance $3,965.26 Total Credit Line $4,200 Payment,Credits -$80.00 Available Credit $189 Purchases,Cash,Debits +599.99 Cash Access Line $840 Finance Charges +$25.60 Available for Cash $189 New Balance $4,010.85 (ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 06/14 Payment Thank You Electronic Chk -80.00 06/11 DICK'S SPORTINGGOODS HAMPDEN TOWNS PA 99.99 'FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.03353% 12.24% $1,151.66 $11.58 $0.00 $0.00 $11.58 Cash advances V.05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summary .01641% 5.99% $2,848.55 $14.02 $0.00 $0.00 $14.02 Total finance charges $25.60 Effective Annual Percentage Rate'APR): 7.67% Please see Information About Your Account section for balance computation method,grace period,and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges-including transaction fees such as cash advance and balance transfer tees-expressed as a percentage. IMPORTANT NEWS 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! • • • • 20039024 • • This Statement is a Facsimile-Not an original 0000001 F1S33338 D 10 000 N Z 02 0957/02 Page 1 of 1 05686 MAMA 45588 18310000100004558801 X 18013913 ` Address Change Request - • Please provide Inforinatlon 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:O In U.S. I lw JO.—.,..-- Espanol 1.889-406-3308 Send Inquiries to: Mall Payments to: Visit Our Webshe: TDD 1.800-955-8060 a Pay by phone-800-036-7958 P.O.Box 15298 P.O.Box 16163 www.chese.com/creditcards Outside U.S.can collect Wilmington,DE 199505288 Wilmington,DE 1988E-5163 — 1-302-594-8200 information About Your Account To get the daily balance for oath 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 mall 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 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 I 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 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.the multiply the daily or correspondence Included with your payment.II your payment is balance by the daily periodic rale 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 as 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 wet credit it finance charge each day.) to your account as of the next day.11 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 Pay-men's 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 oar 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 Cl 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 bluing cycle,except for your credit report if you think we have reported inaccurate information minor variations due to rounding.To get your total periodic iinance to a credit bureau,you may write to us at the Inquiries address shown charge for a billing cycle when a monthly periodic rote(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 rule 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 char es 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 full is received on your account payment,and you will not receive your check back Irom your financial However,we do not charge periodic finance charges on new purchases Institution.Call the Customer Service number on this statement It you billed during a billing cycle it we receive both payment of your New have questions about electronic check collection or do not want your Balance on your 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.Q.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.,fi it is determined there is no is wrong,or if you need more information about a transaction on your valid dispute or if any such check is received at any other address,we bill,write Customer Service on a separate sheet at P.O.Box 15299 may accept the check and you will still owe any remaining balance). Wilmington,DE 19850-5299 as soon as possible.We must hear from We may refuse to accept 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 ran telephone us,but doing so will not sent to the regular Payments address shown on this statement. preserve your rights.In your letter,give us the following information. • Annual Renewal Notice:It your account has an annual fee,it will be •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.A 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 infornation.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 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 time your right to make transactions on that are not in question. While we investigate your question,we your account II 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.It you have authorized us to any your credit card bill and terminate your account relationship. automatically from your savings or checking aecounl,you can stop the Explanation of Finance Charges:We ralculnteperiodic finance charges, payment on any amount you think is wrong.To slop 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 te.g.,balance transfer/convenience chocks and cash number shown on this statement)must reach as at least three business advance checks('check transaction'),purchases,balance transfers, says before the automatic payment is scheduled to occur. e. ; casn'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 i e. periodic rates.It there lea"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 e rate and its corresponding APR are described in your Cardmember •pay the remaining amount due on the goods or services.You have this �f A Agreement,as amended.There is a minimum finance charge in any protection only when the purchase price was mom than S50 and the ■ 20039024 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. i i E,1Attle%e r . Payment Due Date , New Balance Past Due Amount Minimum Payment . . . • - 08/27109 $3,957.36 $0.00 $79.00 Account nurnber:4266 8410 4102 5147 • . • ,w - Make your check payable to; - - YYr Chase Card Services..: Please write amount enclosed, • • . New address or a-mall?Print on back. • 4266841041025147000 07900003957360000006 66536BIX7 21409D IritIIltl tiI1 thI,clu lltrtltlrn tlltltltnlltrlrinrllrrllnl RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 IIItIIIItiIlIurrrltl1I.II III,Itrtlllulrlulrttltlrlrilllntl 1:5000 160 251: 203 101, 10 2514780 Statement Date: CHASE0 07/03/09-08/02/09 ® Manage your account online: Minimum Payment: $79.00 www.chase.com/creditcards Payment Due Date: 08/27/09 Additional contact Information ACCOUNT SUMMARY VISA Account Number:4266 8410 4102 51471 Conveniently located on reverse side Previous Balance 54,010,05 Total Credit Line $4,200 Payment,Credits -$80.00 Available Credit $242 Finance Charges +$26.51 Cash Access Line $840 New Balance $3,957.36 Available for Cash $242 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 07/13 Payment Thank You Electronic Chk 430.00 I FINANCE CHARGES Finance Charge Transaction Daly Periodic Rate Con-esp. Average Daily Due To Fee/ Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.03353% 12.24% $1,190.38 $12.37 $0.00 $0.00 $12.37 Cash advances V.05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summary .01641% 5.99% $2,779.10 $14.14 $0.00 $0.00 $14.14 Total finance charges $26.51 Effective Annual Percentage Rate(APR): 8.01% Please see Intonation 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 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 1-868-866-2885 now and identify yourself as a Chase cardmember! • • 20039024 This Statement is a Facsimile-Not an original 0000001 F1533338 0 12 005 N 2 02 63,'08/02 Page 1 of 1 05686 MAMA 86536 21410000120008653601 X 19013985 N013997114013915 • • 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: In U.S. 1-800-945-2000 ? Espanol 1.888-0063308 TDD 1-800-955-8060 Send Inquiries to: Mall Payments to: visit ourwebstte: Pay by phone1-800-436-7858 P.O.Box 15298 P.O.Box 15153 vw,v.chesttaMt rede_rds • Outside U.S.call collect Wilmington,DE 19850-5288 Wilmington,DE 18886.5163 1-302-594-8200 INNEN e= 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 dale,the order,payable in U.S.Dollars.and drawn on or payable through a beginning of the biilina 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 am 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.It a daily periodic rate applies to any feature:we multiply the daily or cortespondtnce Included with your payment.II your payment is balance by the daily periodic rale to get your periodic finance charges in accordance with our payment instructions and IC 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.(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 1orthe 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 tune at our Payments address on this statement.we will credit It finance charge each day.) to your account as of the next day.It 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.mall 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 macs 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).Ii you multiply the average daily balance for subject to any processing times disclosed Ior 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 Wiling 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 peribd c 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 Grate Period(at least 20 days):We accrue periodic finance charges from your check to make an electronic land 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 it you billed during a billing cycle O 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.D. Box 15049.Wilmington. DE 19850-5049.We reserve all our In Case of Errors or Questions About Your Bill:II you think your bill rights regarding these payments(e.g.,if it is determined there is no Is wrong,or it you need more Information about a transaction on your valid dispute or if any such check is received at any other address,we bill,write Customer Service on a separate sheet at P.U.Box 15299 may accept the check and you will still owe any remaining balance). Wilmington,DE 19850.5299 as soon as possible.We must hear from We may refuse to accept any such payment by returning it to you,not you no later than 60 days after we sent you the first bill on which the cashing it or destroying It.All other payments that you make should be error or problem appeared.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:11 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,wiry you believe there is refundable unless you notify us that you wish to close your account an error.If you need more infomation.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 some time.you pay your outstanding balance You do not have to pay any amount in question while we are in lull.Your payment of the annual tee does not affect our rights to investigating,but you ate 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 II year 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 emit you pay our outstanding balance in full you question.If you have authorhed us to pay your credit card bill and terminate your account relationship. automatically from your savings or checking accoum,you can stop the Explanation of Finance Charges:Wecaladate periodic finance charges, payment or)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 lot 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.It there is a"V"next to a periodic rate on this statement, (excluding purchases made with a check),and you nave 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 mom than S50 and the 20039024 billing cycle in which you owe any periodic finance charges,and a purchase was made in poor 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. 6enniane . . Payment Due Date New Balance Past Due Amount Minimum Payment 09/27/09 $3,903.62 $0.00 $195.00 . Account number:4266 8410 4102 5147 . - Make your check payable to: • , - • • Chase Card Services. -Please write amount enclosed. New address or a-mall?Print on back. 42668410410251470001950000390362000000000000007 03172 111342 245090 i,111111I1r11llarrll.1111111111111l1ld1111111r1111111I1.11111 RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2168 PO BOX 15153 WILMINGTON DE 19886-5153 III111111 11111111111111111111111111111lilil iiu11111111111nii t:5000 1,60 281: 203104 LO 2 5 14 7811 Statement Date: CHASE 0 08/03/09-09/02/09 ® Manage your account online:Etm www.cnase.com/creditcards Minimum Payment: $195.00 Payment Due Date: 09/27/09 Additional contact Information conveniently located on reverse side 'ACCOUNT SUMMARY Account Number: 4266 8410 4102 51471 Previous Balance $3,957.36 Total Credit Line $4,200 Payment,Credits -$80.00 Available Credit $296 Finance Charges +$26.26 Cash Access Line $840 New Balance $3,903.62 Available for Cash $296 'ACCOUNT ACTIVITY Date of • Transaction Merchant Name or Transaction Description $Amount 08110 Payment Thank You Electronic Chk -80.00 • 'FINANCE CHARGES 1 Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.03353% 12.24% $1,202.81 $12.50 $0.00 $0.00 $12.50 Cash advances V.05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summary .01641% 5.99% $2,705.31 $13.76 $0.00 $0.00 $13.76 Total finance charges $26.26 Effective Annual Percentage Rate■APR): 8.06% 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 FREE end EASY!Ask how to Save$21 a month for one year.DIRECT/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! • 20039024 This Statement is a Facsimile-Not an original 0000001 FIS33338 D 5 000 N Z 02 09.'09/02 Page 1 of 1 05686 MAMA 08172 24510000050000817201 X INS13919 1NS14030 INS13914 INS13920 IN513921 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: IBy Telephone: ' rl, In U.S. 1.800-945-2000 Vim' i `-/[� Espanol 1-888-446-3308 Send Inquiries to: Man Payments to: Visit our Website: TDD 1-800-955-8060 Pay by phonet-800-436-79558 P.O.Box 15298 P.O.Box 15153 www.chase comlcreditcerds Outside U.S.can 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 r--' least your minimum payment due to our Payments address shown transactions or other debits(including fees,unpaid finance charges c on this statement.Your payments by mail must comply with the and other charges).subtract any payments or credits,end 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 mutilation 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 minted transaction.the date they are payment coupon in the envelope provided with our address visible posted to your account,or the last day of the billing cycle.This gives through the envelope window;the envelope cannot contain more than us that day's daily balance.A credit balance Is treated as a balance of one payment or coupon:and there can be no staples,paper clips,tape zero.If a daily periodic rate applies to any feature:we multiply the daily or correspondence Included with your payment.II your payment is balance by the daily periodic rate to gel 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.II 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.mall 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 cyde(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 ell at 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 as 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 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 lurid transfer,funds may be on a transaction,tee,or finance charge from the date it is added to withdrawn from year 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 It you billed during a billing cycle ti 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 at your New Balance on your previous Conditional Payments:Any payment check or other form of payment statement by the care and time your payment was due.There is no that you send us for less than the lull 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 Enamor Ouestions About Your Bill:If you think your bill rights regarding these payments(e.g.,It it is determined there is no is wrong,or If you need more Information about a transaction on 5rour valid dispute or if any such check is received at any other address.we bill,write Customer Service on a separate sheet at P.O.Box 15299 may accept the check and you will still owe any remaining balance). Wilmington,DE 19850-5299 as soon as possible.We must hear from We may refuse to accept any such payment by returning it to you,not you no later than 60 days after we sent you the first bill on which the castling it or destroying it.All other payments that you make should be error et 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 anti at the same time,you pay your outstanding balance You do not have to any any amount In question while we are In lull.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 re 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 as to pay your credit card bill and terminate your account relationship. automatically Iron your savings or checking account,you can area the Explanation of Finance Charges:We cater date periodic finance charges, payment on any amount you Mink is wrong.To stop tire payinemni.your - using the applicable periodic rates shown on this statement,separately. letterer call(using the Inquiries address or Customer Service telephone . for each feature(e.g.,batance transfer/convenience checks and cash number shown on this statement)must reach us at least three business •• ', advance checks('check transaction");purchases,balance transfers, Bays before the automatic payment is scheduled to occur. • cash advances,promotional balances or overdraft advances).These Special Rule for Credit Card Purchases:It you have a problem with • • • calculations may combine different categories with the same dally the quality of goods or services that you purchased with a credit card periodic rates.It 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 mom than S50 and the 20039024 billing cycle in which you owe arty 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 staled in your Cardmember the merchant,or if vie mailed you the advertisement for the property Agreement,as amended. or services. 1 • MA111408 I Payment Due Date New Balance Past Due Amount Minimum Payment 10/27/09 $3,868.02 - $95.00 • • $288.00 Account number:4266 8410 4102 5147 . . . Make your check payable to: Chase Card Services., P • lease write amount enclosed. New address ore-mall? Print on beck. 42668410410251470002880000386802000000000000000 62073 BIX Z 27509 D I111I 1 111111 VIII./1111 1 1111 l i 1111111111111 I111I11111111.11 111 RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 III 11111111 Il11111I1lIlf 11111111,11111111111111/11111111111111 • 1:5000160281: 203104 /02514 7811' Slate- Statement Date: 09/D3/09-10102N9 ® Manage your account online: from CHASED www.chase.com/creditcards Minimum Payment: $288.00 Payment Due Date: 10127/09 Additional contact information ACCOUNT SUMMARY Account Number: 4266 8410 4102 51471 conveniently located on reverse side Previous Balance $3,903.62 Total Credit Line $4,200 Payment,Credits -$100.00 Available Credit $331 Purchases,Cash,Debits +$39.00 Cash Access Line $840 Finance Charges +$25.40 Available for Cash $0 New Balance $3,868.02 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 09/21 Payment Thank You Electronic Chk -100.00 09/27 LATE FEE 39.00 'FINANCE CHARGES I Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.03353% 12.24% $1,222.98 $12.30 $0.00 $0.00 $12.30 Cash advances V.05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summary .01641% 5.99% $2,660.70 $13.10 $0.00 $0.00 $13.10 Total finance charges $25.40 Effective Annual Percentage Rate(APR): 7.84% 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 I Your Chase Platinum card is now called Slate.You wit 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/bluepfint for additional details. • • • • 20039024 • . . This Statement is a Facsimile-Not an original 0000001 F1S33338 0 9 000 N Z 02 01610102 Page 1 of 1 06500 MA MA 62073 27510000090006207301 X INS14078 • 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: a By Telephone: O 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 Y Pay by phone 1.800-038-7958 P.O.Box 15298 P.O.Box 15153 w,nv chase comrcred tcards Outside U.S.cal collect Wilmington,DE 19850-5298 Wiimington,OE 19886-5153 1-302.594-8200 Information About Your Account To got 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 1 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 tater date of our choice).Fees check or money order. Payments most be accompanied by the are added either on the date at a minted 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 dairy periodic rate applies to any feature.we multiply the daily or correspondence Included With your payment.II your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day.We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p.m.local time at our balance to get the beginning balance for the next day.(If more than one Payments address on this statement,we wall credit the payment to daily periodic rate could apply based on the average daily balance,we your acccunt 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 rime a1 our Payments address on thrs statement.we will credit it hnance 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 H your payment is not sent by regular U.S.mall to daily periodic rate(s)applies,we add all 01 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 rte,and then multiply Account Information Reported to Credit Bureaus:We may report each cf 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 biting cycle,except!or 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 rte and add the results together.The total will equal you authorize cis either to use information from your check to make the periodic finance charges lot 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 tend transfer,funds may be on a transaction,tee,or finance charge from the date it is added to withdrawn Iron 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 wit 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 II 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 lime 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.,it it is determined there is no Is wrong,or if you need more Information about a transaction on your valid dispute or if any such check is received at any other address,we bill,write Customer Service on a separate sheet at P.O.Box 15299 may accept the check and you will still owe any remaining balance). Wilmington,GE 19850.5299 as scion as possible.We must hear from We may refuse to accept any such payment by returning it t0 you.not you no later than 60 days after we sent you the first bill on welch the cashing it or destroying h.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 lee,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 some 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!Unit your right to make transactions on that are not in question. While vie 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 tee 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 Iron 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 ce.g.,balance transterlconvenience 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. each advances,promotional balances or overdraft advances).These Special Rule for Credit Card Purchases:It you have a problem wok calculations may combine different categories with the same daily the quality of goods or services that you purchased with a credit card periodic rates.It there is a"y'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 10 rate and its cortesponding APR are described in your Cardmember pay the remaining amount due on the goods or services.You have this 20039n �1 Agreement,as amended.There is a minimum finance charge in any protection only when the purchase price was more than S50 and the 024 baling cycle in which you owe any periodic finance charges,and a purchase was made in your home slate or within fog miles of your • transaction finance charge for each balance transfer.cash advance, mailing address.These limitations do not apply if we own or operate or check transaction, in the amounts stated in your Cardmember the merchant,or if we mailed you the advertisement for the properly Agreement,as amended. or services. t4A111408 Payment Due Date New Balance Past Due Amount Minimum Payment 11/27/09 $3,833.23 . $188.00 $379.00 Account number:4266 8410 4102 5147 . - - Make your check payable to: . Chase Card Services. Please write amount enclosed. . . New address or a-mall? Print on back. 42668410410251470003790000383323000000000000004 22510 BFX Z 30609 D 111 tllltlulnitlrtittllutltl suiltit ltt tlinitlrtt ilulinl RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 IusillutlllnutltisItltuII dntlllnl,I11111111111111111n1 1:5000 160 280: 20310410 25 i47811' S l ate' Statement Date: 10/03/09-11/02!09 2 Manage your account online: from CHASEQ www.chase.com/creditcards Minimum Payment: $379.00 Payment Due Date: 11/27/09 Additional contact Information ACCOUNT SUMMARY Account Number: 4266 8410 4102 5147 conveniently located on reverse side Previous Balance $3,868.02 Total Credit Line $4,200 Payment,Credits -$100.00 Available Credit $366 Purchases,Cash,Debits +$39.00 Cash Access Line $840 Finance Charges +$26.21 Available for Cash $0 New Balance $3,83323 ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 10/19 Payment Thank You Electronic Chk -100.00 10/27 LATE FEE 39.00 . FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.03353% 12.24% $1,256.80 $13.06 $0.00 $0.00 $13.06 Cash advances V.05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summary .01641% 5.99% $2,584.33 $13.15 $0.00 $0.00 $13.15 Total finance charges $26.21 Effective Annual Percentage Rate(APR): 8.18% 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-exprrnnod as a percentage. • • 20039024 This Statement is a Facsimile -Not an original ' 0000001 FIS33336 D 6 000 N Z 02 09111102 Page 1 of 1 00508 MAMA 22510 30610000060002251001 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: _ I Telephone: ' In to U.S. 1-800-945-2000 • Espafiol 1-898-446-3308 TDD t-800-955-8060 Send Inquiries to: Mall Payments to: Visit Our Website: —_ Pay by phone 1-800-436-7958 P.O.Box 15298 P.O.Box 15153 wew.chase.com2redacards mime Outside U.S.call collect Wilmington,DE 19850-6298 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 t 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 musl 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.It your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day.We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p.m.local time at our balance to get the beginning balance for the next day.(If more than one Payments address on this statement,we will credit the payment to 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 wit usa 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 at 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.It 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 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 2D days):We accrue periodic finance charges from your check to make an electronic fund transfer,funds may be on a transaction,fee,or finance charge from the date it is added to withdrawn from year acc0001 as soon an thu same day we receive year 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,must be sent to Card Services, BILLING RIGHTS SUMMARY P.D. Box 15049,Wilmington, DE 19850-5049.We reserve all our In Case at 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 mare 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.D. Box 15299 may accept the check and you will still owe any remaining balance). Wilmington,DE 19850.5299 as soon as possible.We must hear from We may refuse to accept any such payment by returning it to you,not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it.All other payments that you make should be error or problem appeared.You can telephone us,but doing as 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.II you need more information.describe the item you are within 3D 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 investigatinge 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 slop 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 550 and the 20039024 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 • 12127/09 $3,797.37 $279.00 $468.00 • • • Account number:4266 8410 4102 5147 $ Make your check payable to: .. - - - Chase Card Services. Please write amount enclosed. New address or e-mall?Print on back. • 42668410410251470004680000379737000000000000001 22337 SEX Z 33609 D I...III.l.,1..l.lr.lull...1111...Ilrl.I...III.I.I.111111ll..l RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2168 PO BOX 15153 WILMINGTON DE 19866-5153 LaIILu1111n u1.11 1,1ud111111111111111111111111111111111 1:5000 160 281: 203 104 i0 25 14 7811' slate- Statement Date: 11/03109-12/02!09 22 Manage your account online: from CHASE° www.chase.com/creditcards. Minimum Payment: $468.00 Payment Due Date: 12/27/09 Additional contact Information ACCOUNT SUMMARY Account Number: 4266 8410 4102 51471 conveniently located on reverse side Previous Balance $3,833.23 Total Credit Line $4,200 Payment,Credits -$100.00 Available Credit $402 Purchases,Cash,Debits +$39.D0 Cash Access Line $840 Finance Charges +$25.14 Available for Cash $0 New Balance $3,797.37 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 11114 Payment-Thank You -100.00 11/27 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FINANCE Category 30 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.03353% 12.24% $1,262.62 $12.70 $0.00 $0.00 $12.70 Cash advances V.05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summary .01641% 5.99% $2,527.24 $12.44 $0.00 $0.00 $12.44 Total finance charges $25.14 Effective Annual Percentage Rate(APR): 7.96% 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. • • • 20039024 This Statement is a Facsimile-Not an original 0000001 FIS33338 D 9 000 N Z 02 09112/02 Page 1 of 1 06598 MAMA 22337 33610000090002233701 X • Address Change Request .... . Please provide Information below only If the address Information on front Is Incorrect. - Sfreet Address: — -- ----- City: --- State: — Zip: ---- Home Phone: --- --- --- Work Phone: --- --- ---- • E-mail Address: — -- --- L To contact us regarding your account: _ By Telephone: 1 In U.S. 1-800-945-2000 VII E5paao1 1-888-446-3309 Send Inquiries to: mall Payments to: vtstt Our Webslte: TDD 1-800-955.8060 Pay by phones-600-438-7958 P.O.Box 15298 P.O.Box 15153 www.chese comlcreditcerds SEEM Outside U.S.can 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. eee--- Crediting of Payments:For payments by regular U.S.mall,send at we take the beginning balance tor 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 an 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 us that day's daily balance.A credit balance Is treated as a balance of one payment or coupon;and there can be no staples,paper clips.tape zero.If a daily periodic rate applies to any feature,we multiply the daily Or correspondence Included with your payment.Ii your payment is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day.We then add these periodic finance charges to your daily to us on any day except December 25 by 1:00 p.m.local time at our balance to get the beginning balance for the next day. 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 instructions or H your payment Is not sent by regular U.S.mall to daily periodic rate(s)applies.we add all of the daily periodic Unance 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 repel 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 at the results together,the toted will also missed payments or other defaults on year account may be reflected in equal the periodic finance charges for the belling 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 rale 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 trom your account or to process variations due to rounding. the payment as a check transaction. When we use Information Grace Period(at least 29 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 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 biding cycle N we receive both payment of your New have questions about electronic check collection or its 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 er 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.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.,it it is determined there Is no Is wrong.or if you need more Information about a transaction on your valid dispute or if any such check is received at any other address,we bill,write Customer Service on a separate sheet at P.O.Box 15299 may accept the check and you will still owe any remaining balance). Wilmington,DE 19850-5299 as soon as possible.We must hear from We may refuse to accept any such payment by returning it to you.not you no later than 60 days after we sent you the first bill on which the cashing it or destroying it.All other payments that you make should be error or problem appeared.You cart telephone us,but doing so will not sent to the regular Payments address shown on this statement. preserve your rights.In your letter,give us the following Information. Annual Renewal Notice:It your account has an annual fee.it will be •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.tt you can,wiry you believe there is refundable unless you notify as 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 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 unfit you pay your outstanding balance in full you question.If you have authorized as 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 can(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 no at least three business advance checks('check transaction"),purchases,balance transfers, days belore 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 whiz calculations may combine different categories with the same dally the quality of goods or services that you purchased with a credit card periodic rates.It 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 20039024 billing cycle in which you owe arty 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 tan own or operate or check transaction, in the amounts stated in your Cardmember the merchant,or if we mailed you the advertisement for the praperly Agreement,as amended. or services. StAe11105 • Payment Due Date New Balance Past Due Amount Minimum Payment - • - 01/27/10 $3,762.17 $368.00 $556.00 ' Account number:4266 8410 4102 5147 AQ� - Make your check payable to: - . hase Card Services. • - - - Please write amount enclosed. New address or a-mall?Print on back. 42668410410251470005560000376217000000000000003 66566 eEXZ210D Ine lllrinlnlr lrrlullrnlilrrullelelrnllulrluellrellrrl RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 luil1Inrlllrtue11 11111111111urlllulelnle uLlel,1lllnel • ':5000 160 281: 20 3 1011 L0 25 i ti 78il' S I ate' Statement Date: 12!03!09-01102110 32 Manage your account online: from CHASER www.chase.com/creditcards Minimum Payment: $556.00 Payment Due Date: 01/27110 Additional contact information ACCOUNT SUMMARY Account Number: 4266 8410 4102 5147 conveniently located on reverse side Previous Balance $3,797.37 Total Credit Line $4,200 Payment,Credits -$100.00 Available Credit - $437 Purchases,Cash,Debits +639.00 Cash Access Line $840 Finance Charges +625.80 Available for Cash $0 New Balance $3,762.17 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 12111 Payment-Thank You -100.00 12127 LATE FEE 39.00 FINANCE CHARGES Finance Charge Transaction Daily Periodic Rate Corresp. Average Daily Due To Fee/ Accumulated FINANCE Category 31 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES Purchases V.03353% 12.24% $1,272.06 $13.22 $0.00 $0.00 $13.22 Cash advances V.05271% 19.24% $0.00 $0.00 $0.00 $0.00 $0.00 Promotional summary .01641% 5.99% $2,472.38 $12.58 $0.00 $0.00 $12.58 Total finance charges $25.80 Effective Annual Percentage Rate(APR): 8.26% 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. 20039024 •� . This Statement is a Facsimile-Not an original 0000051 F1S33336 D 13 000 N Z 02 10'01/02 Page 1 of 1 00500 MAMA 66566 00110000130006656001 X/5514496 • • 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: Ot By Telephone: J In U.S. 1-800-945-2000 • VII �tV'1 Espanol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Website TDD 1-800-955-8060 Pay by phonel-800-436-7958 P.O.Box 15298 P.O.Box 15153 w'w chase comrcredcards Outside U.S.cell 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 cyde. 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 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 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.It your payment Is balance by the daily periodic rate to get your periodic finance charges in accordance with our payment instructions and is made available for that day.We then add these periodic finance charges to your daily to us on any day except December 25 by 1:0D 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 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 II 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.mall 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 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 biting cycle,except for year 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•tirne electronic fund transfer from your account or to process variations due to rounding. the payment as a check transaction. When we use Information Grace Period(at least 20 days):We accrue periodic finance charges from your check to make an electronic fund transfer,funds may be on a transaction,fee,or finance charge from the date it is added to withdrawn from your account as soon as the same day we receive your your daily balance until payment in full is received on your account. payment,and you will not receive your check back from your financial However.we do not charge periodic finance charges on new purchases Instituti0n.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.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.,ft ii is determined there is no Is wrong,or ii ou 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.D.Box 15299 may accept the check and you will still owe any remaining balance). Wilmington,DE 19850-5299 as soon as possible.We must hear from We may refuse t0 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 shorn on this statement. preserve your rights.In your letter,give us the following information. Annual Renewal Notice:It your account has an annual fee,it will be •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.II you need more intonation.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.It you have authortzed 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 er call(using the Inquiries address or Customer Service telephone for each feature(e.g.,balance transfer/convenience chocks 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 Ior 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.It 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 mom than S50 and the 20039024 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 properly Agreement,as amended. or services. rdu111405 Payment Due Date New Balance Past Due Amount Minimum Payment ' - . .02/27/10 $3,746.94 " - . $476.00 • $663.00 - . ' . Account number:4266 8410 4102 5147 . - - . . - - "- Make your'Ctteck payable to: • _ - • • Chase Card Services. Please write amount enclosed. New address ore-mall?Print on beck. ' 42668410410251470006630000374694000000000000007 27976 BFJCZ 033100 111 11li1I111111111 IIIIII11111II 11111111111 Il11t 111111 III11I111 RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 Iu1111111 1111uu Itititlinitintillnillnlu1111titillin1l 1:5000 160 281: 20 3 104 i0 2 5 i 4 780 slate-8 p Manage your account online: Additional contact information from CHASE° www.chase.comlcred @cards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number. 4266 8410 4102 5147 New Balance $3,746.94 Previous Balance $3,762.17 Payment Due Date 02/27/10 Payment,Credits -$B0.00 Minimum Payment Due $663.00 Fees Charged +$39.00 Late Payment Warning: If we do not receive your minimum Interest Charges +$25 77 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 New Balance $3,746.94 maximum Penalty APR of 29.99%. Opening/Closing Date 01/03/10-02/02/10 Minimum Payment Warning:If you make only the minimum- payment each period,you will pay more in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $453 Cash Access Line $640 If you make no You will pay off And you will end up additional charges the balance paying an estimated total Available for Cash $0 using this card and shown on this of_. each month you statement in pay... about... Only the minimum 8 years $4,547.00 payment $118.00 3 years $4,240.00 • (Savings=307.00) If you would like information about credit counseling services,call 1-566-797-2885. 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. ACCOUNT ACTIVITY • Date of Transaction Merchant Name or Transaction Description $Amount r' � i.,,, Ate/BEMI r�/�1"` 'JrnrM rv.v`E,MI'..Dse ruc._.n.c...r PIR ...tv `ri...v.E rS? .n t...rS`�E n`�,'irr:E tom; .�' _ 'Xr...`a...�4sr .r�§ 01/11 Payment Thank You Electronic Chk -80.00 Rusix x E ` MP "` N"" xM FIB § E P2 x �:.`}2'3,.'1:_4£'d.� L��':t3fJ��'..<r rz..�.�u Ltits,�.urzu a at,. ,,ai.z} r3nh2.�3!tn.,.u'4�ti.,,::it'1J2°7�v.X1n.�a7r?u..ur-. 01/27 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD $39.00 ESPIENSIBEEMILIMMMERVE41#12111612210ESIMIL l 02/02 PURCHASE'INTEREST CHARGE* 13.36 02102 PURCHASE'INTEREST CHARGE* 12.41 TOTAL INTEREST FOR THIS PERIOD $25.77 4,r aiNg t7r '1it�ats Year fo-Dgift 4"11-4 t'?— Total fees charged in 2010 $0.00 Total interest charged In 2010 $25.77 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31,2010. 20039024 . . . This Statement is a Facsimile -Not an original 0000001 FIS33338 0 10 000 N Z 02 10)02/02 Patio 1 of 2 06590 MAMA 27976 03310000100002757601 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: _ I'/ By Telephone: 7 R� . ©1 In U.S. 1-800-945-2000 ill o Espallol 1.888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Webslte: TDD 1-800-955-8060 - Pay by phone 1-800-436-7958 P.O.Box 15298 P.O.Box 15153 ware chase.com(credocards - Outside U.S.call collect Wilmington,DE 19850-5298 Wilmington,DE 19886-5153 1-302-594-8200 Inlormatfdn About Your Account the same periodic rates.Variable rates will vary with the market based on the Pdme Rale Crediting 01 Payments:you nay oaks payments by my d.the options listed balm:.The (or shah index described Int/eACCOmt Agreement).These s a minimum interest charge of$1.59 or such amount described In your Account Agmemem) In any billing cycle In �= amount of your payment should be at least your minimum payment due,payable in U.S. which you one any periodic interest charges,and a transaction lea toren',balance transfer, - dollars and drawn or payable through a US,financial Institution or the US.branch of a cash advance.or check transaction,In the amounts stated In your Account Agreen n nI as R - foreign finandel institution. may be amended.There is a foreign transaction fee 013%of the U.S dolar amount of any You may make payments by regular VS.mall.Send your payment to the Payments address foreign transaction(or such amount deserted It your Account Agreement). shown on this statement,Your payments by mall must compb with the instructions on this How to Avoid Paying Interest on Purchases:We begin assessing periodic Interest charges statement.On not send cash.Welt your Account number on your check or money order. on a transaction,lee,or interest charge from the date I 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 trill.as described in your Account Agreement Your title date will our address visible through the envelope window;the envelope cannot cordate 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 Io staples,paper cups,tape or correspondence interest charges on new purchases when they are first billed tea statement as described included wit your payment.If pm payment is lnascordarre with onr payment instructions below,but this does not apply to balance transfers,cash advances or overdraft advances If and is made available sloe on any day by5:00p.m Vocal time at our Payments address on you receive a current monthly statement thal includes new purchases and make a payment this statement we xCll Cretin the payment On your Account asot Intl del.II your payment that we race Mr by the date and time till Minimum Payment is due for that statement we will In inaacundance with our payment insbumtiors,but 4 made a"allable to us after 5:00'mu- not charge periodic interest en any portion at those new purchases that we allocate such local firm at The Payments address on this statement,we will credit in to your Account as payment to,so long as 1)you current statement also shows that we resolved payment of of the nerd calendar day. the ending balance for your previous month's statement by the dale and Lila Its MInboum You may make payments eectrortiealy through mutrebsibshown on this statement,If we Payment was due OR 2)that the ending balance for your preious month's statement receive your completed request on our website by 5 p.m.Eastern Time,sue will credo your was zero.R you have a balance other than a purchase balance red that balance caries a payment as of that day.Owe nacelle your raouest alter 5 p.m.Eastern Thue,we will credit higher periodic Interest rate,you may riot ire able to avoid periodic interest charges on new your payment as of the nerd calendar day.If you specify a future date in your request we DurcMaeD if you do net pay your balance in full each month,because we generally allocate will credit your payment as pi that day. payments first to the bahnce with the highest periodic interest Tale. For all other payments or for any payment type above ter which you do not hollow our WAal To Do 11 You Think You Find A Mistake On Your Statement payment instructions,crediting of yore payments may he 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 Oeaolml Iritormallon Reported to Credit Butealtt:We they repon Inlonrollon About your Service.PO.Box 15299 Wilmington,Dc 19550-5299'. Account to credit bureaus, Late payments,missed payments or other defaults on your In your teller;give as the following talon-nation: Accord may be retested in your credit report.If you think are have reported inaccurate information to a credo bureau,you may write to us at the Inquiries address shown on this •Account information:Your name and Account number. slatrmont •Dollar amount:The dollar amount of the suspected error. Notice About Electronic Check Conversion:When you pay by check,you authorise in either •Description of Problem:If you think there is an error on your bill,describe wiul you to use information from your check to make a one-time electronic fund transfer from your believe is wrong and why you believe h Is a mistake. account or to process the payment as a check transaction When we use brformatbn from yout check to make an electronic land transfer,hinds may be withdrawn Iro m you raccounl You must contact us within 60 days after the error appeared on your statement. as soon as the same day we rotelve your pzymnd,and you 01111 not receive your shack bath imun you,financial institution.Call the Customer Service number on this statement it you You must notify us of any potential errors in waiting.You may call us,but 0 you do we have questions abort eectronb 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 01 payment that you send us far Willa we Investigate whether or not there has been an error,ihetalbwing are truer less than the full balance due that Is marked"paid in fie'or contains a similar notation,or •We cannot try to collect ire amount in question,or tenon you as debnquenl on that that you otherwise tender In full salMac:Ion el a disputed amount mist be sent to Card amount Services,P.O.Box 15049.Wilmington,OE 19850-5049.We reserve all our rights regarding these payments(e.g.,phis determined there Is no valid dispute or II any such check is •The charge in question may remain on your statement,and we may continue to receved at any other address,we may accept the check and you coal still ova any remaining charge your 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 yob not cashing It yell veil no have to pay Use ar ate in question or arty interest or other fees relaiec or destroying H.All other payments lhal you make should be sent to the regular Payment to that amount. address sham on this statement •Whlio you do no 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-' remairderot your balance. or similar charge for Issuance or availability of your account,It will be billed aaeh year or •We can apply any unpaid alsount against your crude limit in monthly or quarterly installments.This fee andior charge are owed whether or not you use your Amount 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-retu/debit unless you notly us that you wish to close your account en-thin 30 days 01 one baling cycle(whichever is ions)anerwe provide the sbtement on Which the annual fee If you are dissatisfied with the goods or services-that you have pm'5hased with your credit or charge Is b and at the same aims.you Tray your outstanding balance In lull.If you do card,and you have tried In good lath to tarred the problem with the merchant,you may aled this.tore charge billed more often than annually such as a monthly service charge.you will nave the right not to pay the mmannng amount due an meourghase. not owe the last billed charge:however,prior billed charges are non-relundahle 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 rot affect our rights to close your Account and to anti yow right to make 1.The purchase must have beer made h1 your home state or*thin 100 mites of transactions on your Account.If your Account is closed by you or us,we writ continue to your current mailing address.and the purchase price must have been more than impose the annual fee andlor charge until you pay your outstanding balance in full and 359.(Note:Nebular of these are necessary If your purchase was based on an terminate your Account relationship. advertisement we mailed to you.do B we mm the company that sold you the goods or services.) Cslentatlan of Balance Subject to Interest Rate:To figure your periodic interest charges for each baling cycle when a daily perbdIc rote(s)applies,we use the dal kJ balance method 2.You must have used your urea card fir 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 we the average daily balance method not qualify. (including current transactions). For en explanation of either method,or questions about 3.You must not yet have fully paid-tontine purchase. a panleuhr Interest clergy calculation on your statement,please call us 01 the toll free customer service phone number listed above. If 011011110 criteria above am net and you are still dissafisfled with the purchase,contact us We calculale periodic interest charges,using the applicable periodic rules shown-on this In writing at Customer Service,PD.Box 15299 Wilmington DE 19680-5299: - statement,separately for each feature(e.g.,balance transfer checks and cash advance While we Inv.tlpate,the some rules apply tothe disputed amount as discussed above.Allot checks("check transaction"),_purchases,balance transfers,-cash advances.promotional we finish our investigation,use will ten you our decision.At that point,awe think you owe balances or overdraw advances).These calculations may combine different categories with an amount and you cis nor pay we may resod you as deinauent. • 20039024 • - , • • MA1202002 • Statement Date: 01/03/10,-02/02!10 • Account Number: 4266 8410 4102 5147 page 2of2 • 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 12.24%(v) $1,265.15 $13.36 $0.00 Cash Advances 19.24%(v) $0.00 $0.00 $0.00 Promotion 5.99% $2,438.90 $12.41 $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. • • • • 20039024 This Statement is a Facsimile -Not an original X 0000001 Ff533338 D10 000 N Z 02 10/02/02 Page 2 of 2 06596 MAMA 27976 03310000100002797602 • emEal • 20039024. • •Payment Due Date New Balance, Past Due Amount Minimum Payment • 03/27110 $3,709.40 • $563.00 $748.00 Account number:4266 8410 4102 5147 Make your check payable to: Chase Card Services. Please write amount enclosed. New address or e-mail? Print on back. 42668410410251470007480000370940000000000000003 32158 BIXZ 06110D II 11111111 11111111111111111111111 r1I111111r111 1111111111111111 RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2168 PO BOX 15153 WILMINGTON DE 19886-5153 11111111 111111111 I11111111111111111111111111111111 e 1/11111111 1:5000 /60 281: 203101, 10 2511,781' • slate- manage your account online: Additional contact Information front CHASE0 www,chase.com/creditcerds conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number. 4266 8410 4102 5147 New Balance $3,709.40 Previous Balance $3,746.94 Payment Due Date 03/27/10 Payment,Credits _swam Minimum Payment Due $748.00 Fees Charged +$39.00 Late Payment Warning: If we do not receive your minimum Interest Charged +$23.46 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 New Balance $3,709.40 maximum Penalty APR of 29.99%. Opening/Closing Date 02103/10-03/02/10 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $490 Cash Access Line $640 If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated Available for Cash $0 using this card and this statement in total of... each month you about... pay... Only the minimum 8 years $4,510 payment 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 1-302-5946200)today. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount { I ri K'tz*'h'av r ,YrM a ENIIf :5 L y ,? s'i�i ^ f��,',z,�. TEINS T. .:.�fr��+'` �Hr��,rYn�..`'� �„"�r`._�'.`�.�..kk3� 1Pl�Iyf�P1 '�.��xa.u� e.;��'r��:�. �� r�:Ar.nr�.z4a}�'.rE ,:rr. l�tr� �.s;: 02/21 Payment Thank You Electronic Chk -100.00 tC.17rc tr iC x"x �`t ti` p "A ! Ex x W} INtoYmG ISiK,gffi C:v�.��e�i�,�} �,5�-�"Y�.��"f,,:.+�1�.,�„1$'�'�"���£t`FL�S�CYr1AEi�'����.r2�s?:K�`�a� �.,�'fs} . ,u .r ��,Y r,� 02/28 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD _ $39.00 r s �,Ysr � r -5"n�^," 4 q d' +'�€s�'°' srwr ,zs' s � e� s itEE T F1A7 "°''fit "q r E .x `"M EF r z,�'a .�,a„�.��,. .."�1bi€irad'vY�xa,lil�e� .��r.��,x..r�,�.�rr,�.r,�,.��:s��, ,�,.,�»�a,w�.m �«�.��aa,:�.�:S;�si�t�:,� 03/02 PURCHASE INTEREST CHARGE 12.41 03102 PROMOTION INTEREST CHARGE 11.05 TOTAL INTEREST FOR THIS PERIOD $23.46 CESSIT 26i!�-11"kaCsa f�zar-Y6 ate"i t",t", E ni f A..e,<�zz ri:xF .�..a..vFt .,nit..emzE..�.l,d.....zuzi?x...,.,.�te<�.�m,�t 1".`: Total fees charged in 2010 $39.00 Total interest charged in 2010 $49.23 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 Daysln Cycle: interest Rate Charges Charges Purchases '12.24%.(v) $1,322.28 $12.41 $0.00 Cash Advances 19.24%(v) • $0.00 90,00 $0.00 Promotion `5.99%" $2404.45 $11.05 $0.00 20039024).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 0 13 005 N Z 02 10)03/02 Page 1 of 1 00598 MAMA 32158 06110000130003215801 X INS14490 • ti Address Change Request • ' Please provide Information below Only.lf 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 (�,,� /a, In U.S. 1-800-945-2000 ✓� 'TO Espanol 1-888-446-3308 Send In tildes to: Mall Payments to: VIS@ Our Webshe: immm TDD 1-800-955-8060 Pay by phone 1-800-438-7958 P.O.Box 15298 P.O.Box 1E163 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 Rate Crethtflq OI Payments:You may make payments by any of the option listed below.The (or step index described M your Account Agreement).There is e minimum interest charge amount of your payment should be at least your minimum payment due,payable in U.S. of icy o(or such amount described ar your uda transaction n Agreement) In any balance cycle r, dollars and drawn or cash you advance.any check and at our breach balanceoM,u S payable through a U.S.liandal irlslitutlon or the U8 branch of a cash advana,or checktransaction,hint amounts stated h yourlwcountAgreelrad.as It forego finance)institution. may be amended.There is a foreign transaction fee of 3%of the U.S dollar amend of any You may make payments by regular U.S.mail.Send your payment to the Payments address foreign transaction(eretch amount desedred h your Account Agreement). shown on the statement`four Payments by mattlnue comeywhhtte instructions on this How to Avoid Payed Interest on Purchases:We begin assessing periodic Interest charged statement.Do not send cash.Write your Account number on your cheek or money order. on a transaction,tee,or interest charge from the dale II Is added to your daily balance unlit Payments must be accompanied by the payment coupon in the envelope provided win your Account e paid In full,as described in your Account Agreement.Your the 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 periodic one payment or coupon and there can be no stapes,paper clipe,tape or correspondence interest charges on not purchases when they are first billed to a statement as described ircludedwth your payment.Ivory oayment is inaccordaxe with our payment instrrrctiens below,but this does not apply to baance Wareham,cash advancesor overdraft advances.If and Is made available to us on any day by 5:00p.et beat time al oUr Payments address on you receive a current monthly statement that includes now purchases and make a payment MIS statement,we will credit the payment to your Amount as 01tet day.It your payment that we receive by the date and time the Minimum Payment lsdue further statement.wewll Is inaaonlance welt our payment inshprtiota,but is made available to us after5:00 p.m. not charge periodic interest on any portion of those new purchases that we allocate such local time at the Paylreets address on the statement.we 10111 credit It to your Account as payment to,so long on I)your curried statement eiee shows that we reealved palmed of of the next calendar Gay. the ending balance for your proybut month's statement by the date and ente Its Minimum You coy make payments electronically through our website shown on this statement Ireve cayman was due OR 2)that the ending Inc your previous month's statement receive your completed request on our webslte by 5 p.m.Eastern Time.we will credit your was zero,If you have a balance other than a purchase balance and that balance carries payment as of the day.lied receive your request after Sp.m.Eastern T femme will credit higher periodic interest rate,you may not be able to avoid periodic interest charges on new your payment as of the next akrNar day.If you epe;ify a future date h your request we purchases If you do not my your balance in full each month,became we generally allocate will credit your payment as en tom 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 Op 11 Yon Think You Find A Mistake On Yore Statement payment instructions,crediting of your payments may be delayed for up le 5 days. If you think there is mentor on your statement,writele us on a separate sheet at Customer Account Information Repotted to Credit Bureaus:We lap report Inlorinettob about your Service.P.O.Box 15290 Wihnln un,Oc 19850.5249. • Accent to creel bureaus. Late payments,missed payments or other defaults on your In your letter,glue as 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 write to re at the Inquiries address strewn on thie •Account idormation:Your name and Account number. statement •Bogor amount:The dollar amount of the suspected error, Notice About Electronic Check Conversion:when you pay by check,youauowrte lx either •Description of Problem:It you think there is an error on pm-bill.describe eaten you to use irdooration from your check to make a one-tkne electronic fund transfer from your believe A wrong and why you believe it Is a mistake. account or to process the payment as a check trenseelore When we use inonnatbn Item your check,to make an electronic fund transfer,funds may be wttheAan horn your account You must contest is within 60 days after the error appeared on your statement as soon as the same day we receive your payment,and you will not receive your check back You inrail not us any faunal errors in writing.You may call us,built do ere Iran your-financial institution.Call the Customer Service number on this statement if you notify Y Pe nil. y you are not required to Investigate any pole have questions about electronb check colleotlon or do no vent your payments collecpotential errors and you may lava to pay file amount electronically. in question. Conditional Payments:Any payment check or other lams al payment that you send us tor while nut Investigate Metter Of net imEfe a25 been an error,the'following venue less than the full balance due that is mocked"paid in full•or contains a simper netbtbe,or •We cannot try to collect the amount in'western,or repnn you as delinquent on that Het you otherwise tender In lull satisfaction el a disputed amount,must be sent to Card amounL Services,P.O.Box 15049,Wilmington,OE t nose-5019.We reserve all our rights regarding these payments;e.g.,If pis determined them 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 owe am/remaining charge you Interest on that amount_But,it we determine that we trade a mistake. balance;.We may refuse to accept any such payment by returning it to you,not cashing It your wig 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 seat 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 Renetvei Notice:if your Account Agreement has an annual membership tee and- remainder of your balance. or similar charge for Issuance or evadability of your account,It wet be billed each year or •We can apply any unpaid amount against your credo Ilmit in monthly or quarterly installments.This tee ardor charge are owed whether or not you use your Aecoud,and you agree to pay them when billed.The annual fee and charge ore Your Rights If You Are Dissatisfied With Your Credit Can Purchases non-refundable unless you notify us that you vvsh to close your amount mien 30 days or If you are die-settled with the goods or services Mat you have purchased with your credit one biting cycle(Whichever Is less)alter we promethe statement on which the annual fee card,and have tried In cod pith to correct the ore ire with the merchant, or charge Is Mai and al toe sane litre,you pay your outstanding bahooe in full.If you do you g pr you may this,for a charge billed more often than annually such as a monthly service charge.you avid have the right not to pay led rematmng amount due on the purchase. not eve the est billed charge:however,prior billed charges are urn-refundable and must To use the right,all of the following must be true: be paid as pad of paying your outstanding balance in full.Your payment of the annal tee or charge does not affect our rights to oboe your Account and to in1N your right to make 1.The purchase must have been made le your home state or within 100 miles of transactions on your Account.n your Account is ebsed by you or us,we will continue to your current mailing address.and tee purchase price must have been more than impose the annual fee ardor charge until you pay your outstanding balance in full and $50.(Note:Neither of these are necessary It your purchase was bused on en terminate your km um rnlallenshlp adveOirement we mailed to you,or t we own the company that sold you the goods or services.) Catenation of Balance Smb)ecl to Interest Rafe:To gire your periodic interest charges for each ogling cycle when a daily periodic ate(s)applies,we use the daily balance method 2.You must have used your credit card for the purchase.Purchases made vdth ash (Including current transectIons).To figure your peuodic interest Merges for each billing advances from an ATM or with a cheek that accesses your erode and Account do cycle when a monthly periodic reels)applies,WE use the average daily baboon method not quality. (including currant transactions). For an explanation of dither method,or questions about 3.You must nn yet haws fully pad teethe pun:Mo. a particular Interest charge calculation on your statement,please eel us et the tog free cuetomer service phone number listed above_ It all of the criteria above are met and you are still dissallslied with the purchase,contact as We calculate periodic interest charges,using the epplkable periodic rates strewn on this in writing at Customer Service.P.O.CM 15299 Wilmington.DE 1985r}5289: stotematt,separetely for each feature(e.g.;balance transfer checks and ash advance While we Investigate,the same rules apply tote disputed annenfos discussed above.After checks("check transaction"),purchases,balance transfers,cash advances.,promotional we finish our immtgatbn,we will tell you our decision.At that point,Y we think you ova balances or overdraft advances).These aaiculotions may combine different categories with an amount and you do opt Day we may report you as clelin:mat. 20039024 MA1202t00 • • Payment Due Date New Balance Past DUe Amount Minimum Payment •04/27/10 $3,674.47 • $646.00 . • $831.00 Account number:4266 8410 4102 5147' etMake your check payable to: W - Chase Card Services. Please'wrife amount enclosed. ' New address or a-mall?Print on back. 42668410410251470008310000367447000000000000002 59916 eEX Z 092100 lnr ill[Inlnl[lnlull[nl[ln[[ll[I[lrnllnl[l[ullnll[[l RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 IIIIIII[ul lllf[el[I[I[IuI1111/11I11111I11111f111[IIIIIlt111 I:5000 160 281: 203104 L02511,780 a S I a te' 2 Manage your account online: Additional contact Information from CHASE° www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 8410 4102 5147 New Balance $3,674.47 Previous Balance $3,709.40 Payment Due Date 04/27/10 Payment,Credits -$100.00 Minimum Payment Due $831.00 Fees Charged +$39.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above,you may have to pay up to a Interest Charged +$26.07 $39.00 late fee and your APRs will be subject to increase to a New Balance $3,674.47 maximum Penalty APR of 29.99%. Opening/Closing Date 03/03/10-04/02/10 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $525 Cash Access Line $840 If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated Available for Cash $0 using this card and this statement in total of... each month you about.. pay... Only the minimum 8 years $4,478 • payment If you would like information about credit counseling services,call 1-866-797-2885. You haven't made the required payments and your credit card account is 90 days past due. As a result,your credit bureau may be updated with a negative rating.Please send your payment immediately or call us at 1-800-955-8030(collect 1-302-594-8200)today. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount ti; 4OME IEMEt +F\ DAl 1CIRE MEtrn tRaSh ufYi'1 .::F 03/21 Payment Thank You Electronic Chk -100.00 R i' 3iMal.,�'�,�'.,") arli 'v jF INtR C1 , sE ODIVE Fr£:' ^ S?.r, Fra., u, �. f'�:fi`r'F.tfj'�fi�d r, 03/28 LATE FEE 39.0D TOTAL FEES FOR THIS PERIOD $39.00 04/02 PURCHASE INTEREST CHARGE 14.32 04102 PROMOTION INTEREST CHARGE 11.75 TOTAL INTEREST FOR THIS PERIOD $26.07 21tIONENIMMAYMEEPASSIMEEM Total fees charged in 2010 $78.00 Total interest charged in 2010 $75.30 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 12.24%(v) $1,377.98 $14.32 $0.00 Cash Advances 19.24%(v) $0.00 $0.00, $0.00 Promotion 5.99% $2,309.62 $11.75 $0.00 2003902ft=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 F1S33336 D12 000 N Z 02 10:04102 Page 1 of 1 06596 MA MA 59916 09210000120005991601 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: © n � In U.S. 1.800-945-2000 4��I EspOPOl 1.888-4463308 Send Inquiries to: Mall Payments to: Visit Our Webshe: TDD 1.800-955-8060 r--— Pay by phone 1-800-438-7958 P.O.Box 16298 P.O.Box 10153 3oted-chaa.r.emicreslitandt Outside U.S.cat collect Wilmington,DE 19850-5298 Wilmington,DE 19886-5153 1-302-594-8200 !donative Stool Yonrheonal the same periodic rites.Wrbbie rates will vary with the market based on the Prime Rale Credtiimtp d Payaon0:You nay make payments by ay d the options I'skd below.The (or etch index described n your Amount Agreement),Them s a minimum interest charge Crediting of your your payment options l ed belo m U.S.e of 51.50(or such amount descdbed in your Account AOreemem) In any wing cycle In yro payment should bent least r minimum which yeas/manypedaelk interest charges,and a transaction fee foreada balance transfer, =weed dories and drawn or payable through a U.S.Wendel ietilutltn or the US.blanch of a cash advance.or check transaction,M the amounts dated b your Account Agreement,as r, ® foreign financial lnnaubn. may be amended.Tigre is a l010tgn transaction fee of 3•%of the U.S.dolar amount of any You may mate eaymenrs by regular US.marl Send your payment to on Paymenlsaddress 'foreign transaction(or such amour described It your Account Agreement). Own on 8k statement Your payments try mall must corny with the Intro-eons on this Now to And Poylrg Interest on Purchases:We ben=dung petiole Mead charges statement.De not send ash.8.550 your Account number on your check or money order. one traneed'ory 1r,or irderest charge from the due I is added M your dolt balade utlp Payments must be accompanied by the payment COMM In tiro eneebpe provided cr01 your Amount k paid In full,as described in you Account Aground*Your dm dote wig our address chebk mroogh limo envelope wirdon;the envelope anno1 coraein more than be a mi gnmen of 21 days loitering the close of each billing cycle.You can avoid embers ono payment or cooyntc end there car be e etapks,paper cit1s.lope a nomRSpordenu interest charges on new paduses when They are lest biked to a statement as described Indudedtvhh your payment If year payment,is In accordance tehh our payment Instructions below,but this does not apply to balance transfers,cash advarresor overdraft advances.If and is made available toes on arty day by 500 pen local time at our Payments ulnae On you receives current mcdhly statement that includes new purchaoos and make a payment this statewide/6 Ott den the Welled to Yds Admit as 01 gal day.II your otYmem that we rand by the date endlbne the Minimum Payment is due for that steamed.we will Is In=edema with our pawned Institutions,bid is maid avalhbre to us after 5:00 p.m. rut charge pedodsu interact on any portion of prose new pnrctnses that we abate cue, kcal Ilse at the Payrtents address on this statement.we Me cre11 A to your Account es payrrnt Ix.on long es 1)your current olminmM1�ho stcays 11101 vn redeivtd papnent or of the next mender day. the ending balance for your previous nodes statement by the date and time hs AOnlmun You may make payments electronically through our webdleshown on this statement Uwe Payment was due OR 2)that the ertdln3 balance for your previous name's siatemem receive you completed request on our wsbslle by 5 pee Eastern Time,me veil credit your was zero.If you have a balance otter Than a Pudase balance end lira balance careen a pawned es of that day.If we receive you vague:otter 5 p.m.Eastern TM*,we MN drsdt Mgker perbdc interest rate,you may red be ebb to mold p•lv4c interest clorgen oe new your payment as d are next akrdar day.II you speepy a luture date in you request we DurchetaO if you do rid pay your baIor n m furl each mouth,became we geecohy cadmic win credA your rnyrent ever that day. payments rind to the balance with the holed periodic-mend rate. For an other payments on for any payment toe above tor which you do not follow our What To lip Ii too Ttiek You Find A Mistake On Your Statement payment instructions,crediting of your payments maybe delayed for to to 5 days. II you Rink there Is an error on your statement,carte to or On s separate sheet at Customer Adam!Infonpellon Repotted to Cretin Service ,P.O.Berman:Bureaus:We may Intone/Ikon about your Servi ,P.O.Son 15288 Wanhegmn,01 10250.5299: Accrual to decal bureaus. Late payindes,mimed payments ee deer dehutts on your In your tenet,girt uc the Iolocel g blornulbn: Awned may be relkcted In your credit report.If you think we have reported hemmed Idonnaton toe credit bureau,you may mile to us at the includes address shown an this •Account Worn:Bore Your name and Account mrmber. stdanml. •Dolor amount:The doll ramoud of the suspected error. Notice About Electronic Cheek Conversion:When you poy by ehec,youauthomn us ether •Description of Problem:Ilyou thmk Matteis en error on your 6111,describe what you to the intonnathn from your deck to make a ore-ire ekmrord lad Iranufer from your heeeve is wrong and why you believe t is a mistake. account or to process the payment as a Check ttaeoiclion When we use blornlation from your elided man an electronic land transfer,finds may be Mho-dram from your stand You must cent=to within BO days after the error epteartd on you statement AS soon as Ile sans daywa raxh0 your ayment,and you call rot receive your check back Imm your Bendel(nook ion.Curl the Customer Service number on this statement if you You moat edit us of any potent/el errors in writing.You may erg us,but I you co we have emotions about electronic check ooleotien or do rot wad your oaymments collected are not reputed me imxsopate any potemlid errors ord you any have to say lire amount efectrodaeyt in question Comlitione!Payments:Any pawned check.or other torn of payment that you send US ion Whee On Invesggate whether or not theta won oxn an error,IfendbxMp arrays Mss than the lull balance due that Is marked'bald In flip'or antalus o cinder nsbtion,or •We cannot try 10 coiled lit amount In queellon.or repo n you asdetrbuenl on that that you otMmke tender In hG satisfaction of a dlspuad amount,rest be sent to Card amount. Servims,P.O Bey 10049.Wilmington OE 19850.5044.We reserve all our rights regarding these payments le.t.,A a Is determined there Is no vain dispute or It any such Week Is •The charge in gunfire)may remain on your statement,and we may continue to reclined of any other address,we may accept the chxk and you wit die owe any rernaidrp charge you Insect on that amount But.If we determine that we made a mistake, henna).We may reline In accept arty such payment by retuning A b you,not ashtp II you cell not have to pay the annul in median or ary Interest or other lees relater or deslroylrq A.All other payments that you mats should be sent no lie regular Payment to that amount. address sham en this sidemen... •While you W net have to pay the amount In qun011on you are women,tor the Anneal Renewal Notice:If you Accent Agreement has an annual membership fee end remainder of your balance. or skein charge Ion sswnce or avatalliy of your account,it MI be bitted each your or in monthly or quarterly Instalments This fee and/or charge are owed whether or not you •We can apply arcyurpald amount against your creed omit use our!Mond.and you agree to pay them when tilled.The arum!fee and change ore Your Rights If Yoe Are Dissatisfied With You Credit Card Pemba ces orerefundabk unless you notify us 1101 you wish to close your amount Whin 30 days or one bump cycle(whlchaver Is less)aferwenros1de the deterrent on white the annual fee If you re dienaldied with the gods or swedes that you have purchased was your erode or charge is faked and at the same line.you pay you uoforunding belaroae In full.II you do card,and you have b led h good hdh to correct the problem with the merchant,you nay t his,lera charge baled more often than annualy such as a modhyservice large,you will have the right not me pay me removing annum dm on Its DudhA92 not am the lost biked charge however,prix bleed charges are noorefundabfe and oust To use Ids right,all of thetohmdng mud be true be paid as pad of paying your outstanding babnee In full.Your payment of the annual lee or charge dos net affect our rights to Wore your Account and to emit your right to mike 1.Tre puml0se mist have been node In your home Cate or within 100 miles d transactions on your Account.If your Account Is closed by you or us.we Mil continue to your current malted address.and the Durand Wee mist have been more Ono impose the annual fee erdtor charge until you pay your outstanding balance in hell and S50.(Mote Realer d throe are necessary II your mnchase was teased on or twiddle your A00011111 rddtonshb edverdeemert we mailed to you,ad mown the comyary that sod you the goods or services) Caleaiallan of Balance Suhlecl to Merest Pale:To noire your periodic interest charges tor earn baling cyce when a daily periodic inns)apples,we use the daily balance method 2.You must have used yew credit and lot the purchase.Purchases made Mth ash (Including current tweediens).To figure your periodic Merest Borges for each being advances!roman ATM om orb a check that accesses your credo and Account do cycle when a monthly periodic ate(a)apples,we use the average daily balance method not orally. odMdind anew Iramadipns).Fa on catenation of Other method,or questions about 3.You must not yet love fury pale for the purchase. a irartkabr interest charge saleulatbn on your statement,prase call us at the IDA free customer eervke phone number listed show. ft at of the criteria ghee are met and you are stel dissatisfied w1h the purchase,contact at •We dcuble -lode interest Mn In wrAhg at Customer Service,P.O.Bow 15209 Wilmington,OE 10850.5200: pe charges,using the epptvable petbde rates shown on this etdemem,separately for each feature le.g.,ba'arca transfer checks end cash advance While We nuatbate,the same rules appytotle disputed amwit asdkgasedaboan,Afiar .Meeks("check tmnadiord),puch0ses,balance transfers,ash advances,promotional we fetich ow investigation,we roll tell you our deCislon.At that coin,8 we thin:you ewe • baboon or Overdraft advarees).These calcuhllhns may mainbine differed categories with an amount and you do rim pay we may rerun you as doanotant. 20039024 • MAI202009 Payment Due Date New Balance. Past Due Amount Minimum Payment . 05/27/10 $3,618.67 $731.00 . $911.00 " • Account number:4266 6410 4102 5147 ' •• • •. •' - • • ' Make your check payable to: . Chase Card Services. Please write amount enclosed. - . , , ' - New address or a-mall?Print on beck. 42668410410251470009110000361867000000000000003 561e2 aexz12210o II rr lllllll Lrldulullnrldnullrlrinrll,Jrirul6d6rl RICHARD J RYAN 124 SUMMER W CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 luillllrullliuu1.1.11111ddurll6rlrlln1.1JJ1LII1Ln1 1:5000160 281: 203 104 i0 2 5 14780 slate- g Manage your account online: Additional contact Information from CHASE 0 www.chase.com/aeditcerds conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number. 4266 8410 4102 5147 New Balance $3,618.67 Previous Balance $3,674.47 Payment Due Date 05/27/10 Payment,Credits -$120.00 Minimum Payment Due $911.00 Fees Charged +$39.08 Late Payment Warning: If we do not receive your minimum Interest Charged +$2520 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 New Balance $3,618.67 maximum Penalty APR of 29.99%. Opening/Closing Date 04/03/10-05(02/10 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $581 Cash Access Line $840 If you make no You will pay off the And you will end up Available for Cash 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 B years $4,415 payment If you would like information about credit counseling services,call 1-866-797-2885. You haven't made the required payments and your credit card account Is 90 days past due.As a result,your credit bureau may be updated with a negative rating.Please send your payment immediately or call us at 1-800-955-8030(coiled 1-302-594-8200)today. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount 43V4: 1".Yk ha Ntaiki MF.N'ti P"T.ND CT�u Ra.rrt.ait£Af k. .. 40. '2? '. r.i` 14: `? 04/18 Payment Thank You Electronic Chk -100.00 04/20 Payment Program Credit -20.00 ti 7M e• iP`'� ,� w k "� �� EES v�IRGED. ° +:ti7N. kF�`R¢ <:,e7: T,.';,,l,‘. ';•"r 6iss 04/27 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD $39.00 € ash',k''•,tSa` `"`-:a kV IAr.§H „GE W c %417% ; S•� 05/02 PURCHASE INTEREST CHARGE 14.31 05/02 PROMOTION INTEREST CHARGE 10.89 TOTAL INTEREST FOR THIS PERIOD $25.20 a ' b $$''''•'! Total fees charged In 2010 $117.00 Total interest charged in 2010 $100.50 Year-to-date totals reflect all charges minus any refunds • applied to your account on or after January 31,2010.• 20039024 - .. ' -. This Statement is a Facsimile-Not an original X 0000001 F1S33338 012 COO N 2 02 10'00/02 Pagel of 2 06598 MAMA 58192 12210000120005019201 • • 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-mall Address: L To contact us regarding your account: _ By Telephone: O In U.S. 1-800-945-2000 • _ Espeffol 1-888-446-3308 Send Inquiries to: Mall Payments to: Visit Our Webslte: TDD 1-800-956-8060 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 19886-5163 1-302-594-8200 rowirouro Information About Your Account the same periodic rates.Variable rates will vary with the market based on the Prime Rate crooning of Payment::You may make payments by wry of the options listed bets:.The (or such index described In your Account Agreement).Thera is a minimum interest eharpe amount of your payment should be et least your minimum payment due,payable in U.S. or el.ou or such amount described In your Account Agreement) In any billing cycle In = dollars and drawn or payable through a U.S.your minimum or the U.S.branch of a which you rove any periodic interest charges.and a transact on fee loreach balance transfer, foreign Mescal institution.pays. cash advance.or checktIn a Iotlon,In the amounts stated b your Account Agreement,as it maybe amended.There is a foreign transaction tee of 3%of the U.S.dollar amount of any You may make payments by miler U.S.mall.Send your payment to the Payments address torelgn transaction(or such amount deserted it your Acox nF Agreement). shown on tills statement.Your payments by mail roust comply with the instructions on this How to Avoid Paying Interest on Purchases:We begin assessing periodic interest charges statement.Do not send cash.Write your Account nuartber on your check or money order. on a ha erection,lee,or interest charge from the date a Is added to your deity balance until Payments must be accompenred by Me Payment coupon is the envelope provided veldt your Account is paid In full as described in 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 folknvlrg the close of each billing cycle.You can avoid periodic one payment or coupon:and there can be no staples paper ceps.tape or correspondence interest charges on row purchases when they are first billed to a statement as described included with your payment.If your Dement is kraccordance with our payment I%Motions bob-u,bad lbs does not apply to balance transfers,cash advances or overdraft advances.If and Is made available to as on any day by 5:00 p.m.Vocal time at our Payments address on you receive a current monthly statement that includes near purchases and make a payment this statement,We CAll creche the payment to your Account as el thou day.11 your payment that we receive by the data and Unto the Minimum Payment is due for that statement,we will is in auvordamewlb our payment Instructions,but Is node avalpble to us ager5:00 p.m• not charge periodic interest on any portion of those new purchases that we allocate such local time on the Payments address on this statement,we will trade it to your Account as payment to.no long as I)your current statement also show that we received payment of of the nett calendar day, the ending balance for your previous rnonthh statement by the dale and time Its Minimum You may make payments eleetroniahy through ourwebolle shown on gas statement Uwe receive due OR 2)That the ending balance toll your previous month's statement receive your completed request on ourwebsile by 5 p.m.Eastern Time,we will credit your was zero.If you have a balance other than a purchase balance and that balance carries a payment Cu of teal day.If we receive your request eller 5p.m.bantam Thane,we will credit higher periodic interest ate,you may not be able to avoid periodic interest charges our new your payment as of the nerd calendar day.It you specify a future dated your request we Durchaoea If you do not pay your balance In full each month,carte we gene/aily allocate Will credit your payment as of trot day. payments first to the balance with the highest periodic interest rale. 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 Oa Your Statement payment instructions,crediting of your payments may he delayed for up to 5 days. If you think there Is enamor on your statement,vane to us on a separate sheet at Customer Amami Information Reported to Credit Bureaoa:We may report mlontegon about your Service,P 0.Box 15290 Wilmbg[on,DE 198505299: Account to credit bureaus, Late payments,missed payments m other detaulls on your In your letter,give us the following Inlormatbn: Account may be refafed In your credit report.If you think we have reported Inaccurate information to a credit bureau,you may write to us at the Inquiries address shown on this •Account information:Your name and Account number statement. •Dollar amount:The dots raincoat et the suspected error. Nance About Electronic Check Conversion:When you pay by check,you authorize to either •Description of Problem:if you think there is an error on your bilt describe what you to use information from your chock to hake 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 transactbh When we use information from your check to make an electronic tend transfer,funds nay be wehdfawn fro in yon r account you must contact us within 60 days after the error appeared on your statement as soon as the some day we rooelva your paymentt and you will rot receive your check back Irom your financial institution.Call the Custom Service number on this statement if you Ova mutt potty us or any potential error in writing.You may call us,bun d y00 0o we have questions above electrode check collection or fit rot want your payments collected are not required to Investigate arty potential errors and you may have to pay the amount electronically, in question. Conditional Payments:Any payment check or other lone of payment that you send us for While via investigate whether or not there has been an error,IhalMbwing aretrlle' • less than the full balance due that Is marked"paid In file•or contains a similar notation,or •We cannot try to collect the mould In question.or report you as delinquent on that Mat you otherwbe tender in full satisfaction of a disputed amount.must be sent to Card amount. Servaxs,P.O Box 15049.Wiln egtoe.DE 19850-5049.We reserve all our rights regarding These payments(e.g.,if it is determined there is no valid dispute or If any such check Is •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 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 cite annum in questioner any interest or other fees relates or destroying 0.Another 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:It your Acwum Agreement has an annual membership foe and•' remainder of your balance. or sander charge for Issuance or availability of your account,It will be baled each year or •We can apply any unpaid amount against your credo limit in monthly or quarterly installments.This tee ardlor charge are owed whether or ml you use your Account.and you agree to pay them when billed.The annual fee and charge are Your Righls It You Are Dissatisfied With Vote Credit Card Purchases non-relurdable unless you notdy us that you wish to close your account within 30 days or ore bEInp eyed(wMtmver Is less)attee see provide the 4atemem on welts the annual tee If you are dissatistlod with the goods or services that you have purchased with your credit or charge II broad and at ton same doe.you pay your outstanding balance in f ull.It you do nerd,and you have hied In good fade to correct the problem with the merchant,you may t his,for scheme billed mom often-than annually such as a monthyservice charge,you will have the right not to pay the remaining amount due on the purchase. not ova the last baled charge:however,prior billed charges are ncnrretundahle and must To use this right,all of the tolowing must be toe: 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 kmft your right to make 1.The purchase must have been made 6t your home state or within 100 miles of transactions on your Account.N your Account is closed by you or us,we will continue to your arrant mailing address.and the purchase mice mat have been more than impose the annual fee aMlor charge until you pay your outstanding balance in full and SSO.(Note:Nether of these are Re--rosary Y your purchase was based on an lermbtate your Account relationship advertisement we nailed to you,or we own the company that sold you the goods or services.) Calculation It Balance Subject fo Intelsat Hate:To figure your periodic interest charges for each baling cycle when a daily periodic rate(s)applies,ere use the daiy balance method 2.You must have used your credit card for the purchase Purchases made with each (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 currant Iransadlons). For an explanation or either method,or questions about 3.You must not yet have fully pail for the purchase. a eartloulal Interest Charge calculation on your statement,please call us at the toll tree customer service phone number Tided above. 11 all of the sdterla shore are met and you are still dissatisfied ash the purchase,contact as • We calculate periodic interest charges,win the applicable in writing al Customer Serene,PD.Box 15299 Wilmington Or 19050.5299: g g pp periodic ate shover on this statement,separately for each feature(e.g.,balance transfer checks and cash advance While we Investigate,the same rules apply lathe disputed amount as discussed above.After • • checks("check transaction'),purchases,bahrtce transfers,cash advances.promotional we finish our investigation,we will tel you our decision.At that point,11 we think you roue balancesoroverdraftadvances).These calculations may combine different categories 11 NI an amount and you do not pay we may report you as delinquent • - 20039024 • • MAI2t2009 Statement Date: 04/03/10-05/02/10 • : ;Account Number: 4266 8410 4102 5147 Page.2 of 2 • . ;1INTEREST 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 12.24%(v) $1,422.91 $14.31 $0.00 Cash Advances 19.24%(v) $0.00 $0.00 $0.00 Promotion 5.99% $2,212.89 $10.89 $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. 20039024 • - - This Statement is a Facsimile -Not an original X 0000001 F1533338 012 000 N Z 02 10/05/02 Page 2 of 2 0859E MAMA 56192 17110000120005619202 20039024 Payment Due Date' New Balance Past Due Amount Minimum Payment -t ' 06/27/10 $3,603.73 $831.00 $1,011.00 •Account number:4266 8410 4102 5147 Make your check payable to: ' - Chase Card Services. Please write amount enclosed. - - New address or e-mail? Print on beck. 42668410410251470010110000360373000000000000000 19793 BEX 2 15310 0 Itsoll111111111111tImilittirlimill111.11111sItlitillitlirti RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 Iurll lur lllul nlrlr lr litililItIlllllll11111It1111lrrlllliii 1:5000160 28t: 203101i /0 2514780 slate- 2 Manage your account online: Additional contact Information from CHASE° www.chase.corn/creditcards conveniently located on reverse side ACCOUNT SUMMARY 1 PAYMENT INFORMATION Account Number. 4266 8410 4102 5147 New Balance $3,603.73 Previous Balance $3,618.67 Payment Due Date 06/27/10 Payment,Credits -$8000 Minimum Payment Due $1,011.00 Fees Charged +$39.00 Late Payment Warning: If we do not receive your minimum Interest Charged +$26.06 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 New Balance $3,603.73 maximum Penalty APR of 29.99%. Opening/Closing Date 05/03/10-06/02/10 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $596 Cash Access Line $840 if you make no You will pay off the And you will end up Available for Cash additional charges balance shown on paying an estimated $0 using this card and this statement in total of... each month you about... pay... Only the minimum 8 years $4,404 payment If you would like information about credit counseling services,call 1-866-797-2885. It's not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be right for you.Call 1-888-792-7547(collect 1-302-594-8200)today. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $Amount frin.Y e TANI. •e: ci jOYI r Mi IEION13 L '.,i''4 IENN r 05116 Payment Thank You Electronic Chk -80.00 NAB rv. �x,�r rat } ;�M,�l d�u FE,�g8 g,'t P'?earn;rte �M�c ,es c ,v I Ee..�Sa`:r'.�£i".rsr'X�Pa,�.,nu,�,i..r'. �'�.�� �r�,� e`ea"�C„5�� �.�i_- �'.c",�tt,:�, ��,�F `'�������,�'k`t��,k�£.n'� �:'Q��� 05/27 LATE FEE 39.00 • TOTAL FEES FOR THIS PERIOD $39.00 i� INEV G Fa x,�EBBI A M�Z E : � ruaZEZE ��I� 06/02 PURCHASE INTEREST CHARGE. 15.24 06/02 PROMOTION INTEREST CHARGE 10.82 TOTAL INTEREST FOR THIS PERIOD $26.06 r{'pt; y" ,3`t�si yf 0 `d#a'fRs eat io-D"aMIlINS ��'�\x�i 4x.. Ii`t vt- �sssu'.ss9 a�ssss��tswT" 't 1� t,a sl$a4 Total fees charged in 2010 $156.00 Total interest charged in 2010 $126.56 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 • 12.24%(v) $1,466.31 $15.24 - $0:00 ' Cash Advances 19.24%(v) $0.00 $0.00 $0.00 Promotion - - 5.99% $2,127.29 $10.82 $0.00 20039024).=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 5 000 N Z 02 10106!02 Paget of 1 06598 MAMA 19750 15310000050001979301 X 111514619 • . . Address Change Request Please provide Information below only If the address Information on front is Incorrect. - • • Street Address: — --� ---- ... Gip- — State: — Zip: ---- --- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: — --- ------- L To contact us regarding your account: - OBy Telephone: ' �-�j In U.S. 1.800-945-2000 Vii JO EspDftof 1-888.4463308 Send IngUities to: Mall Payments tit: Visit OUr Website: TOD 1-800-955-8060 Pay by phone1-800-438-7958 P.O.Box 16298 P.O.Box 15153 yeao.choee.comfcredhrards Outside U.S.call collect Wilmington,DE 19850-5298 Wilmington,DE 19886-5153 1.302-594-8200 - Inhumation About YourAccoeat the same periodic Nees.Variable rates will vary with the marlei based on the Priors Rate for etch index described In war Account Agreement),Thee'sa minimum interest chorpe Crodlleng of Payments:You may make payments by arty*be options listed below.The 0191,30 for such amount descsbed In yew Amount Atenertlem) In any bitInp cycle M - enteuM01you peyereht sMntO be et lost your minimum payment dun payable In US. wets We urn arypedode Interest charges.md a transaction feeler each balance transfer, - dollar and drawn or payable through a U.S.Unreal Institution or the US.bench of a cash advance,or chaoktrensaalon,he IM moots dated in your Account Agreement ash - Poet unondal Institution. may be amended.There is a foreign transaction fee of 3ei of the US.dollar amount of any You nay mate caymans by Miter U.S.mall Seed your paymentte the Payments address lomten imnsadIon(or such amount desot8Ded in your Account Agreement). sham on this statement.Yew payments by mall mist comely with the lnstnaebns on this lies to Avoid Paying Wore*on Purchases:We begin axeosrg periodic Interest ename0 statement On not send ash.Vero your Account number on your ohmic or money order. ono lransadbry lee,or interest clang from Its dam a Is added to your daly balance o tl Payments mot be accompanied by the payment coupon in the envelope provided with you Account is Cali Or full as described M your Account Agreement.Your due date will our address visible through the envelope vendee;the envelop cannot contain more then be a minimum of 21 days folio:Ong the close of each b01bg cynic.You an avoid periodic one payment or coupon;out there can be no staples,paper clips,tape or co'rtspondence interest charges on nay mechases when they are ikd billed to a statement as described Irdtdod wet,your payment If sour oa5eront is In accordance Mahal(payment Instructions below,but this does not appy to babes Mansters,cash adwncesor overdraft advances.N Media made avalable to us on any day by 510 p.m local time a cur Payments address on yea„ease a cur0M mom by sbtemcm bat include now purchases and make a payment Ids Stalrnnnl,we wit credo the payment to you ACaounl is 011Ml day.If Yew peymem =Miwe receive by hie date and tlmethe Minimum Payment Islip lathe statement weevil Is be secordarce web our payment instructions,but is made available to us aver 5:00 p.m. nob charge pedntc[merest on any porilon of those eew purchases that we aloate such Meal erne at the Payments address on this statement,we 010 creoa h to your Account as payaent to,so long as t)your current datemel)also shows that we recalled rayenem d 01 the nod ctletdat day the ending balance for your previous months statement by the date and time As Minimum You may make payments electronically through au webdle shown on Ws statement Uwe PaYnatd was due OR 2)that IM ending oabnte for your previous month's steteme„C noshes your completed repeat on our websee by 5 p.m.Eastern Time,we will meat yew ems zero.It you Iwo a babrre otter than a purchase balance and that bobnce carries a foment to of teal day.If we Ncohe your request oiler 5 p.m.Eastern Time,we rate credo higher embolic interest rete,you may eel be ebb to:peed palodte interest charges on new your payment as a me nerd akMar.day.If you apatity a future dale b your request we purclaoe if you do not pay your imbue in full each rant h.Poolrooms wetly allocate vat meat you(spent es o1 IMa day. payments Ord to the balance with tee highest perodic Herne role. For all other payments 0r for any payment type above tor width you do not follow our Mallet Do 11 Toe fiink You Find A Mistake On Your Statement payment instructions,crediting,*your payments may be delayed for up to 5 days. II you think there Is en error on your stetemed,wore to us on a aeparete shat at Customer Axo151 Inlemallon Reposed to Credit Burgos:We may rayon Information about your Service.P.O.Bee:15299 Wilnbgmr,D.19S50.5249: Aaoenl b creel bureaus late Doyennes,missed oeyrneuts of other defaults on your le your mater,gin as the noflaring inlormatlon: Account may be masted in your credit report.If you think we have reported maccurde Information to a credit bureau,you may wile to to at the Inquiries address shown on this •Account heamatiom Your name and Account number. statement. •Dolor amount The dollar amount or the suspected error. Notre About Electronlo Chet Conversion:When you pay bydeck,youauthorize co enter •Description of Problem:If you think there ls merry on your bet describe total you to use information from your check to make a one•tore electronic fund transfer horn your ere e is wrong and why you believe It Is a mtdake. account or to process the payment as acheck transaction When we use Wormatbn Iran your chest to male an eleIrakfund transfer,mods may be Withdrawn fromyour amount You mud contact us within B0 days atter the error appeared on your elmeererd as soon as Me same day we receive your Payanenl,and you will rot melee you einee back You must notify us of arw potential errors in writing.You may call us,but it you do we from yrou Turonciai institution.Call the Cesium teclho or IOu r wart on this statement II you are not required to Investigate any pobn0at errors awed you may have to pay the nmontt have emotions abou electronic check cotxtbn or ro rot wart you payments Pentad ekcirorialy, incaution. CoMlblonal Puma*:Any paymerd check or other lam 01 payment Iha1 you send us for White we 110100pets whether or not theta has lean an error,IhetobwAp ere taw ITs than 1 50 lull Pearce due Ike Is mocked"raid In fur or Coate s a center notation,on •we carnal toy to c0Axt lid Omoure In questIOn.or replan you as delinquent on mat that you otherwise tender In fuel satisfaction of a disputed amount,now be sent to Card emu*. Serubes,P.O.Boy 15049.Wilndagbn,OE 18150.5009.We reserve all our tights regardeg Mese pay amok(04.,A A Is dtteamtrled there Is ma valid Maputo or I any such check is •The charge be question may retain on your autemen.and we may continue 10 receroeu at any otheraddres,we may accept tte check and you roll Olt owe any remaking charge you lmere;1 an that amount.But if we determine that we made a mistake, babnoe).We may refuse to accept arty such payment by retuming r to you,not cashhgh you will not have topoy the amout in question or any interest or other fees relater or destroying i1.All other payments Mot you make*odd be sere to tin regular Payment to that amount dews sham en this statement •Willie you do not have to pay the amount In question you are',marble for the Aural Removal Notice:II your Aoesum Amreeanert has an ornate neembenhb fee are' remainder of your balance. or sutler clangs fm Issuance or avalabikty of your;stunt It will be billed each year or •We can apply any unpaid amine against your credo Omit in mouthy or quarterly lnsfalmems This fee'Pier charge are awed whether or not you use your Account and you agree to ay them when Wed.The aortal fee and charge are Tom Ripens U You Are gissallsfiedWilh Torn Cmdit Card Purchases non-relundable unless you matey on that you wish to dose your account wBdn 30 days on II u ere dksatMiad with the poop a arvices that u haw Duchtsa0 wffn you cradn one biting cycle(whichever is lessiater We provide Us satemere on whet the annual fee yo yo or*verge le need and at the sans tire.you ay your atdaadbp beams In full.11 you do card,and you ham tried In good math to correct the problem with the merchant,you may ids,for adage bated more oflenthan annuoAysudr as a mom*service charge,yourtt nave the right not to pay the remelting amour due on the purahaso not owe the fast bleed charge;however,pror died charges are reee-refmdable end oust To use this right,all of mho tolm19 must se true be paid as par of paying yow outeardeng batons.In fdl.You payment of the anmal fax or charge does not affect our rights to lase pa Account and to toil your tight to make 1.The purchase mist have beer node hi your home state on within 100 miles of transactions on you Account.It you Account Is closed by you Of us,we 011 continue to your current maling address,-and tin immense mice must have been more than (moon the annual fee ardlor charge until you pay your outstanding balance in full and S50.(NOM Nehru of these are Primary I your machos was based on fan terminate your Account mblhnshis advertisement as mailed to you,on 0 we oven the comeary that sold pouter goods or services) Cat:Dlatwn of Balance Sullied to leaned Rater To Igoe your Wade Interml charges Ie each being cycle when s dolly periodic rate(s)opts,we use the daily bread rnnhod 2.You must have used your credit card for the earthen.Purctrse made with cosh (mncludng current transactions).To Igoe your periodic interest chorges for each biting advances[roman ATM or wdh a check that excuses you credo cord Account do cycle when a monldy periodic rate(s)apples,vas us the average daily babes method not(Raley. (including anent Iranstditns).Fee an winkle of either meted,or questions feu 3.You must no yet law tiny pub for the purchase. • a casbubr interest*ores calculation on you statement Moose call us at the tot free customer service pine numberllsted above. , It allot the alterb above are met and you are cal dissatisfied with lid purchase,contact as -We calculate periodic(Meer charges,using the applicable periodic rate serum on this In writing m Cudonher5eav0e,P.O.Box 15299 Wilmington.OE 198565209: • statement:separately for each future lo.g.,bobnce transfer clocks and cash advance While wetmestbate,theme rulesapiN tothe disputedanrolnt as discussed lbws.Alta :steaks("check transaction").purchases,babnce transfers,cash advances.promotiorol we finish our house potion,we tell tel you our decision.At that pint,A we thin:you risk • 505001nq owmtdt advances).Tlese alabl0ns may combine different categories With an amnant and you do not pay We mop retell you as datelam. 20039024 51A12020011 Payment Due Date New Balance Past Due Amount Minimum Payment . • .07,/27110 $3,568.08 $911.00 $1,089.00 •' Account number 4266 4102 5147, . Make your Check payable to: Chase Card Services. . - Please Write amount enclosed. ` • lt? Print back. New address or a-marnt on c. ' • 42668410410251470010890000356808000000000000007 462419Ex 21831/0 h1l1l l,.1Jd1161113ddrlullrl11r 11111.1,1.1r16dk.l RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 ' WILMINGTON DE 19886-5153 luilllrrrllLnsl 15111llllllllllllllitilllullllllltlllllllill 1:500016028i: 203 /04 1.0 2 5 14 7811' Slate- g, Manage your account online: Additional contact Information from CHASE° www.chase.com/creditcards convenienay located on reverse side !ACCOUNT SUMMARY I (PAYMENT INFORMATION Account Number: 4266 8410 4102 5147 New Balance $3,568.08 Previous Balance $3,603.73 Payment Due Date 07/27/10 Payment,Credits -$100.00 Minimum Payment Due $1,069.00 Fees Charged +639.00 Late Payment Warning:If we do not receive your minimum payment by the date listed above,you may have to pay up to a Interest Charged +625.35 $39.00 late fee and your APRs will be subject to increase to a New Balance $3,568.08 maximum Penalty APR of 29.99%. Opeft CiosingDate 06/03/10-07/02110 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $631 Cash Access Line $840 If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated Available for Cash $0 using this card and this statement in total of... each month you about.. Pay-. Only the minimum 8 years $4,369 payment If you would like information about credit counseling services,call 1-866-797-2885. It's not too late to resolve the outstanding balance on your credit card account. We have a variety of payment options that may be right for you.Call 1.888-792-7547(collect 1-302-594-8200)today. This account is closed and not available for new transactions. If there is a balance please continue to make payments by the due dale. 'ACCOUNT ACTIVITY. Date of Transaction Merchant Name or Transaction Description $Amount MOP �d ' - ' :.7. .AWA'L,MIRIZS ND O ,,EKO"dl'1 S I wiz-:. `A'1;''w 06/15 Payment Thank You Electronic Chk -100.00 rJ s , 7:' ^'fi;'"ag: y "`"-y S,a�'d r�`,'z,'F3'P'b°-3HARGED, S °y„ U��ii „" g��1`, n �' tra`r P. { ...,�+%y,.I° .tifl.;vr"�y� trLb+1,..w' .fYr/X'n: .:.r.,,-f .1e5F,.,�:. .� 06127 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD $39.00 f":2 1:- A:Ar r:.A..Y'" ^ CC irCeE. ;<`;::;�s:y .-!;r,-:� r.=.'64La 07/02 PURCHASE INTEREST CHARGE 15.29 07/02 PROMOTION INTEREST CHARGE 10.06 TOTAL INTEREST FOR THIS PERIOD $25.35 ~4.-; '1 � f` ',2b10>T 1s,Yi3r o-.?1! " r1.%f':• Total fees charged in 2010 $195.00 , Total interest charged In 2010 $151.91 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31,2010. 20039024 . . - . . • This Statement is a Facsimile-Not an original 0000001 FI033338 0 10 000 N Z 02 10,07102 Papal 012 00588 MAMA 46241 18310000100004024101 X • • • • • • Address Change Request - .• • .Please provide Information below only If the address Information on front Is Incorrect. • Street Address: — • City: -- State: -- Zip: ---- ---- Hope Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: L To contact us regarding your account: OBy Telephone: In U.S. 1-800-945-2000 l�l EspaCol 1-888-446-3308 Send Inqutrles to: TDD 1-800-955-8060 Mall Payments to: Visit Our Webshe: Pay by phonel-800-438-7958 P.O.Bee 15298 P.O.Box 16163 www.ehese.eon*redfcarde Outside U.S.call collect Wilmington,DE 19950-5289 Wilmington,DE 19886-5153 1-302-594-8200 ;= Informative About Your Account the same periodic tares.Variable rates seal vary with the market based on de Prime Rale Crediting d Payments:You may make payments by any d tie options(bled below.The or stein index deserted In your Account Agreement).Them n e minimum interest charge y ny of$1.50(or such amours described In your Account AOtsemem) In any billing cycle M >= enamel of yote payment should be at last your minimum payment due,payable,M U.S. winch you we arty periodic interest charges.and a transaction feeler each balance transfer, adeimm dollars end drawn or payable aweigh a U.S.financial Institution or the U.S.Match of a cash advame.orcauoktrensac;lon,M tin amounts dated to your Amount Agreement,es r. ® foreign financial institution. may be am ended,There to a foreign transaction fee el 3%of the US.dollar emoted of any You Trey make paynertsty regular US.mail Send year payment to the Payments address -foreign transaction(or such amount desarbed In your fount Agreement). shown pit des statement.Your inarorleton by mall men corny with the hspunors on Mt How to Avoid Paying Interest on Purchases:We begin=sewn periodic Interet charges statement.Do not send ash.Write your Accent tenter on your cheek or money order on a lransadbn,lee,or ideres charge from the date ruts added to your dully balance udg Paymetas rust be accompanied by the payment coupon In the envetOpe provided with your Account is raid In felt as described M your Amount Agreement.Your the dale will our address Netbk through Me envelope window;the envelope cannot contain more than be a minimum of 21 days following the close of each biting eyrie.You on avoid mrtode one payment or coupon:and there can be no stapes,Peter dips laps or correspondence Interest charges on mw purchases when they are lest billed to a statement as described Indudaduoh your myrmnt lyou paymoca kMacoordaow with augYrrrenthstrudlom below,but thi s does not apply to balance transfers,ash advamesor overdraft advances.If and is Made sealable to Ua on arty(ley by 50 pm local timed our Payments address on you receive a cured monthly statement that includes new purchases and make a payment Ms stalennnM,We MI credit the peened to your Amount as Of trot day.It your mimed Melee rocehbbythe date andlttne the Minimum Payment Ischia for Dot statement Wesel! IS In accordance with our payment Instructions,but is nark avalbhle to en atter 5:00 err) opt charge periodic interest on any portion of those new purdases that we alocate arch local time et the Payments address on this statement.we vee credi it to your Account as payment to,no lot as I)your current statement also shows that we received payment or of the nod slender day tore ending balance for per previous months summed byline dale and time Its Minbnuln You may make payments<kctrrelcollythrough our websileshewn on Misstatement..II we Payment was dm OR 2)that the ending balance for your preMOUS moth's steamed receive your completed re nest on our*Mete by 5 p.m.Easton Tome,we will credit your was zero,C you Mee a balance other than a purchase balance and that balance carries a patmem as d that day.II we reserve your mouest altar S p.m.Eoatem T lone,vre yea eredn higher periodic interest rote,you may not be ebb to mold pnlodic interest charges on new you painters as the eric akndar day.m ya avedty a bum,dune"pm eepuesf We purchases ff you do not pay your tolonee M fdl each mom h.because we generate allocate will credtl tor payment as of that day. payments r rest to the balance with the highest periodic interact rate. For ag other payments or la any payment Rem above for which you do not follow our What To Do II Too Think thou PindA MldaM Oa Ymrt Shamed payment iretnlclioa,crating of your payments may be delayed for to to 5 days. If you think there Is an error on your seamed,write to us on a wares sheet et Cln-tomer Amount information Reported to Cted1 Burette:We may reran hfometton about your `'�^ P.O.Bea 15294 Whitton,DE 19350 5294: Aocuunt M cedt haam late payments,mewed Payments or ether detains on you In your letter,give us the following inlomation• Account may be refine-led In your credit report.It you think we have reported Inaccurate Information to a credit bureau,you rosy wade to re at the Inquiries address shown On the •Account information:Your name and Account number. Oakmont •Dorar smatnc The ddbramount on the suspected error. Roth About Electronic Check Coeeeralon:When you pay byehech,youauUnrkee useWer •Doscrlyllen et Problem:If youthlk there is en error on your bill,describe weal you to use Idomation from your Weds to make a one-line clectronb turd transfer from your believe is wrong and why you believe O Is a mistake. account or to plow-nine payment as a check transaction When we use bdormatbntrom you cheek to maim an electrode led transfer,hauls coy be withdrawn Immyslraecourd You must cermt as hien 60 clays aherthe error appeared on your statement as soon es Meseta ewers receive yourmyrnerlt,and DU will net recetue you cheek tack You mist ntNy us of arty pdenthl errors lr,wrCirg.You may rail us,bmlyau do we from your Tiarcial institution.Call the cu toner Sernce number on lhis ammo-rill you Yo mI nascent,as for cry 0f 9m Matta'anent and oou may rove io pay tyo amour' hart euestkms Mod eleclronb check coleotbn or do not want you inheres tinted in not reM1 electrorioly Conditional Payments:Any payment check or other tan d payment that you send us for While we lnw)dgmt whether en not them has Dxn an error,tnetdbw'O+garetrue less than the 11111 balance the that is marked•Paid he ltd'of chef= 0im1arnottion or •We cannot try to cols)the amount In nesllon,or repot you as delinquent an that that you edemke tender in full allstaolbn of a deeded amount,nest be sere to Card amount Services,P.0 Oar 15049.Wilmington DE 19850.5049.We reserve ail our rights repardrg thee payments(age l r is determine]there is no wild dispute ore any such check Is •The charge in median may retain on your statement,and we may cantina to seined at any other address.we may accept One check ate you wal sill owe any remaining charge you loftiest on Mat amount Bd.a we defemdnethal we made o mistake. Mbtee).We may reuse lo acayt any such payment by returning i1 to ytte not cadent p you all not have to pay the amount in ones.ban Of any interest or other fees re-eta or destroying!L AI otter payments that you make sherd be sere to the regular Payment to that amount address sham on this statement •White you de no have to pay the amount In Question you are reevacbk tor the Annual Renewal Nolte:If you Aceourlt Agreement hes en annual membsrahb fee and: remainderof your bahna. or semen doge for la-stance or availability of your oceout,It will be billed each year or •We can apply any unpaid airman egabttyon credit limit in monthly or quarterly instalments.This lee motion charge are awed whether or not you use your Account.and you Gera 10 pay them when billed.The annul fee and charge arc Yoe/Rights If Toe Are Ohaddled With Yon Credit Card Purslane non.retundable unless you notify 05 the you wish to close your ached with 30 days or ore bleu cycle(whichever Is less)after we eraaSeethe Statement 010101:011 a annual lee 0 you are dhmlloltad with the genet or eareees that you rove paahasad w101 your clean or large Is bit Ind and at the sane tad you coy your oulsierdbp bahree In Intl.If you do cord,and yen have hied M gad lash to correct the problem wOh the merchant,you may this.for a dery tiled more often than annually such ens monthly servix charge.you MP have the right cal to pay the eemamnnp emcees due on Me purchase. not owe the ins tolled charge:tewewh prior billed charges are m+rrellmdable and nuW mime its dam,an eI the loMwog must be bee: be paid an pan of paying you outstanding balance in full.Your payment of the annual lee or charge doe not affect our right to dose your Accord are to 1010 you right to make 1.The purchase must have beer made In your home state or within 100 miles 01 transactions on your Account.It you Account is closed by you or us,we wet continue to your current metro address.and the purMSC MOE mast have been more than Impose the manual fee and/or charge until you pay you outstanding balance in lull and S50.(Nee Netter at Mane are PeOessary tit your purchase was basted on an terminate your Aurora relatonshd advertisement we malted to you.or it we own the compere,'the sold you tin goads mantes.) Calculation of Balance Stabled to Interest Rate:To rigue your periodic Interest charges for each billing cydeahen a dotty perhdk rate(s)appae,we use Meddle balance method 2.You must Mae used your credit card for the purchase.Purchase)made with ash (Imludln7 current erarsadlons).To figure your periodic Merest charges for each Mho edvama from an ATM or with a cheek Out accesses your credl card Account do cycle when a mend*,Periodic rate(s)apples,we use the avenge dalty bainse method no Quality. (including tuned Iransedions).For an wheaten of ether method,or&edibns about 3.You must nee yel have fu editor 110 our.Mse. a canhular Merest large alcubtbn on your mat#arena,pha08 cat m m the tog free customer senice phone numberlisled above. KS of the opens shore are met end you are all diseet hed wihthe purchase,contact us We Wcuhk in vatting at Cusioner Service.P.O.eon 15299 WIImingora OF 11850-5209: • perbdb Merest dlerges,using the epphcahk periodic rata sedum on ihs • - • -Moment,copartely for each tafue(e.0.,bahrnce transfer checks and cash advance Winne wo Mveleate,the came lutes apptr+tote deputed armlet sodbaseed above.After checks(check traruadbn"),pure ases,bald ce transfers,cash advances,promotional we finish our investigation,we:vii tel you our decision.At that point 1 we fled:you rtes tolerate or owmraft advanees).Teese calculations may combine different categories with an amount and you do not pay we may reran you as gaaroant. 20039024. MA1222009 • • Statement Date: 06/03/10-07/02/10 ,Account Number: 4266 8410 4102 5147 , • , • Page 2 of 2• • 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 1224%(v) $1,519.58 $15.29 $0.00 Cash Advances 19.24%(v) $0.00 $0.00 $0.00 Promotion 5.99% $2,044.20 $10.06 $0.00 (v)=Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate,Annual Renewal Notice, How to Avoid Interest on Purchases,and other important information,as applicable. • • • • • • 20039024 This Statement is a Facsimile -Not an original X 0000001 Fl333330 0 10 000 N Z 02 10/07/02 Page 2 of 2 06598 MAMA 46241 12310000109004624102 • • • • • • • 20039024 Payment Due Date New Balance Past.Due Amount Minimum Payment 08/27110 $3,533.36 • $989.00; $1,165.00 Account number:4266 8410 4102 5147 Make your check payable to: yel 'Chase Card Services. Please write amount enclosed. New address or e-mail7."Print on back. 42668410410251470011650000353336000000000000009 30802 BD(Z 214100 Ind111 L1L1L11r1111Lr1L1111dLL61dIu LL111Ld11d RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 1111111 1111111111/11111111.111111111111111lr11UIII•1111111111 1:5000160281: 203i01, i02514m1 slate. !, Manage your account online: Additional contact information free CHASE° www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY I PAYMENT INFORMATION Account Number. 4266 8410 4102 5147 • New Balance $3,533.36 Previous Balance $3,568.06 Payment Due Date 08/27/10 Payment,Credits -$100.00 Minimum Payment Due $1,165.00 Fees Charged +$39.00 Late Payment Warning: If we do not receive your minimum Interest Charged *626.28 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 New Balance $3,533.36 maximum Penalty APR of 29.99%. Opening/Closing Date 07!03/10-06/02/10 Minimum Payment Warning:If you make only the minimum payment each period,you will pay mom in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $666 Cash Access Line $640 If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated Available for Cash $0 using this card and this statement in total of... each month you about... pay... Only the minimum 8 years $4,334 • payment If you would like information about credit counseling services,call 1-866-797-2885. You haven't made the required payments and your credit card account is 150 days past due.You can still turn things around.Call us today at 1-888-792-7547(collect 1-302-594-8200)so that we can find a solution for your situation. This account is closed and not available for new transactions. If them is a balance please continue to make payments by the due date. ACCOUNT ACTIVITY. Date of Transaction Merchant Name or Transaction Description $Amount .} EPI ' S s ; :i'" i "P'AA PIRI PX,VEft E3Z !°1, }^ `.ENTAEMA 07113 Payment Thank You Electronic Chk -100.00 FRIMM S R: 'rN O 3 S,,.4Ar.�tk E ?'",af-i'`` Erint a ,`wr r ai`. r,``Ml n1. iv..4 k .,a»,n€ ,�i�`,.v'�5, :t �::.fisa�4 Y1s,..{f�tn,��..<�a£�nu ffi�, 5a..^.� 07/27 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD $39.00 re; z $ £ :2 v#-u' E k:'r kax.tff' + g 1f$sMi s Z MEa` r` 'v z`G t'- 08/02 PURCHASE INTEREST CHARGE 16.38 08/02 PROMOTION INTEREST CHARGE 9.90 TOTAL INTEREST FOR THIS PERIOD $26.28 � r'F�.,� � �. sv+ a 'x:"..�.,.,. !M r�. /area rf 1 o�T a$ ',Ba"t r.$tl iaM° Total fees charged in 2010 $234.00 Total interest charged in 2010 $178.19 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31,2010. • INTEREST CHARGES - • - Your Annual Percentage Rate(APR)is the annual interestrate on your account. Annual : Balance Accrued Balance Percentage Rate(APR) Subject To Interest Interest Type 31 Days In Cycle Interest Rate Charges Charges 20039024,rchases 12.24%(v) • $1,575.39 $16.38 $0.00 dash Advances 19.24%(v) $0.00 S0.00 $0.00 This Statement is a Facsimile-Not an original 0000001 F1S3333805 000 N Z 02 10/08/02 Page 1012 08598 MAMA 30892 21410000050003088201 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 Land/or visit our website shown below to provide us with additional contact information. To contact us regarding your account: ® Sy Telephone: , � li In U.S. 1-800-945-2000 • El A Espanol 1-888-446-3308 Send!nqulrles to: Mall Payments to: Visit Our Website: TDD t-800-955-8060 Pay byphone t-800-036-7958 O.Sox 15298 P.O.Box 15153 www.chase.comfcredkcards Outside U.S.call collect WP.ilmington,DE 19850-5299 Wilmington,DE 19886-5153 1-382-594-8200 Information About Toot Armond a advance checks(•check transaction'),purchases,balance irausters.cash Ctodltlhg of Payee rlts:You may make payments by any et the op'ions listed below.. advances.pramafiona'halanece or overtlmtl advencas).'Vase Variable may The amount of your payment should be at feast your minimum payment due,payable with thedarketbcategrrth Prime periodic utIndex deserted ryes Se vary with the market band a on the Prima Rate ha such Index(or subh in vet d Account in IJ.S.d01ars ally drown or aayab?e through a U.S.tirantial institution or the U.S. Agreement).There is a minimum inoarest coarye of51.50[or suer amount tlascnbed bmnrn of a taratgn irans'91 InsldulIOn. in your Account A regiment in an bitten q ) y p cycle in which you eve any peri0tlic You may make payments by regular U.S.mall.Stand your payment to the Payments Interest charges.and a traneachlin tee for eau,Seance transfer.ores science,or address shown on this slalerlent.Your payments by ma I meet comply with the check transaction,in tie mounts staled in your Account Agreement,as it may be instructions on this statement.Da not send cash.Write your Account number en amended.There is a foreign trnsacton 1s et 3%of the U.S.dotter amount o'any your check Se money order.Payments must he accompanied by the payment coupon foreign transaction(or such amount described in your Account Agreement). in the envelope provided with our address visible throe ante envelope v ndevr,the How to Avoid Paying Interest on nurd145,SS;We begin.2aseSSirg periodic interest envelope canner contain more than one payment m cooper)and there can be no charges on a transaction,fee.or interest chargaffem the date R is added:a your dots staples.paper Mips,tape m co rrespondence intruded yelp your payment.It your balanm umil your Account is paid in fall,es described hr your Account Agreement. payment in in accordance with our payment d!strocnons and Is made available lo us Your due date will he a minimum of 21 days following the claw o each billing cycle. n any day by5:00p.m.kcal timed our Payments address an this slzterneA,we MI Yrs!ran aunts periodic Interest retry nn new pnrctosos nett n they ore etretlilnd credit tae payment to year Account as of that day.If your pa/mom is In accordance to a alatemenl eS descibed below,but Ihls bias net apply to balance transfers, wire cur payment are OWons,bin Is made overaba to us at ter 5:00 p.m.local time cash advances Crovicedroltadvancue.II you receive a current moFliMy 5 Onertt that at the Payments address on this statement.we sSe credit it r0 your Account as of includes newpurcrlases and make a payment that me receive by Ins ca e add lime tire inc nett calendar day, Minimum Payment is due for that statement,eve v:".il not charge periodic interest on sou may make oaymetit efectmnlcalty rroagh our webshe shown on this statement. any pnnlen ni those new OUrshasee Mat we allocate such payment to.no long at 1) It we recelve your cemrletecl teepee)ore Sire sebrelte ef5 p.m.taster,lime we w01 yOm epnant elatemanl ales Shows 11121 we received payment of tee ending bazar ce credit your payment at of roar coy.0 are rezrve your rsovas after 5 p.n.Eastern for your previous month's statement by the eats ant time Ns Minimum Payment eras Time,we will credit your payment as of the next adentlar day.If you specify felons Cue OR 2)that the ending balance for your previous mamth's oratories was'taro.II date in your request we will crelh your payment as of Mat thy you have a balance other than a PUTASSe balance and the Kane.cornea a higher f0f another payments ortpf any periodic interest rate,9011 may not he able to avcld eerier%Interest charges on now p yr) y payment type a0tvo err wh:er you d0 not 10500 min purchases if you do not pay Your balance in full Each month,because we generally payment mstroctions,method or your payments may be delayed Co!ep to 5 dayst ellecale peymeMS first tome balance will the htgnnen periodic Interest rate. Account Inlarmetion Reported fa Credit Boreal*:We may report information about What To DM N You Think You Flied A Mishits On Year Statement your Servant to credit t rnoua late Raimentn,mute d Pandora or other defaults on your Arcnunt may he reamed In your tread moon.If you think we have reported If you think there is an error On your statement.writs m us on a separate 08eg1 at inaccurate information tea credit Omen,AM inlay write to us at the lncuiriea address Customer Service.P.O.Coe 15299 Wilmington.DE 19850-5205 sheen on this statement. In your loner,give us Nro following imormation: To Service and tannage Array of Your AunonNe):We,our representatives,JPMorgen Chase mermen:lbw*,and/or angst**may enamel you at any telephone number 'Account nfarmatlon.Your name and Amount ndmbet. you provide to us Plasm refer to your Card member Agreement ice-additional details •Dollar arcane,Tne dollar a rennet at the aaspeotcd error. about It*use of yo.d personal Information. •Description of Problem:11 you think mere is an coot on your bill,describe Netlee About Electronic Check Conversion:When you pay by Mock.you authorize what you believe is wrong and wary you believe it isa mistake. US either to use InhprmaOan from your deck to make a oar-nme electronic turd transfer f role your account or to pro0ees!tie payme-9t as a Zeck transaction.When Yon must contact on within 60 days niter the error appalled on your shiement. we use Information loom your check to make at electronic fund bander,funds may You most nanny'u5 of any 2Otenna1 errors In waiting.002 may 0011 us.Ora it you do be withdrawn from.your accusal as sear as the sane day we ramiveyaer payment. we are net required A investigate any ootenti21 errors and you may have room y the and you will not receive ye.lr check bank Rom your Manorsi institution.Call the amount m 0050110n. Customer Service leonine!on Ills statement It you bare emotions about ideebunic check collection or do not want your paymerds collocred electronically. While vat investigate whether or not there was been an reel,the farrowing am ale' Conditional Payments:Any payment check or other form of payment that you send •We cannot try to collect the amoumih ques1lan,or reportyou as delinquent on as for less Than Ire lull balance due heal is marked'paid in tell"or contains a similar that amount notation.or drat you otherwise tender in tot satisfachcn of a dsaned amount. .Ten charge in question may remain an gear stalerrsnl,and our may cpn5npr. arrIvxeni ei Card Services,P.O.Box 15049.Witml it in d DE 19850-5049.there t es We to charge you interest On that amount But-d we entmminc that we made a :.ell our dohLS regoiding these payments(a.g..it it s determined there is no mistake,you will not have to pay the amount In question or at mtetesi or vend dispute or it any soon check is received at any other address,we may aecepl Y N' the check and you Mil Sin owe any remaining balance).We may refuse to accept ulcer fats related to That amount: any such ooyment by returning a t0 you,rot cashing it or destroying it Ail other •While you do not nave to nay the amount In question,you are responsible ter payments that you make 0,0010 be sent to the regular Payment address shown on the remainder of your balance. Nis statement. •We can apply airy roped amount against your credit rimil Annual Renewal Notice:It yam Account Agrremart has an anneal membership foe andfm similar charge for issuance or available/yet ymm acoaunt.ttevIll be billed each Your Rights It You Are Dlseatlslnd WIM Your Credit Card yurchases year or in monthly or quarterly installments.This tee endear chore e.are owed whether II tare dissatisfied with Pe Dods m'sarvitas ihrt or not yob.use your Asceunl.and you 00!2'310 pay hem when b'.Iled.The anth el yon g You Gave purchased with your fee arc charge are non-ndurdable amides yeti no5fy us that you wish t0 close yotr, yeoi a.artl.and you Pale tretl In gone ferns to correct the problem en the h Iba ureteral', auoom within 30 days or one Wgrq cycle twhic ever is lees)a:,ar we provide The You ropy hove the coil not to pMythe reviewing amount duo en the purchase. uiatamem on which 7te annual 105 m:theme is bitted and at the same time,you pay 're use this right,et et fie idlowing meet lleiruer your outstanding balarce*full.If YOU do 1010.for a charge totled more often than annually such as a monthly service charge,you all not may the tact ailed Marge: 1.The purchase must have been made Ingram hoin abate or within 100 miles however.prior biller,charges are 050-ealundebte and must be pad as art of paying of your current mailing address,and the purchase prix roust have been your outstanding balance in fug.Your bay,rev;cites annual fee or charge dues nut mom than 050.(Note:Scorer of these are neoeseary Spoon purchase was affect our rights to Anse your Account and to limit you:right m make tot nsacdoas on. based on an advertisementwe mailed to you,or it era ewe the company that your Atcm J nt.II your Account is closed by yen or us,we will carthtue to impose the *old you the g0nd5 or services.) . annual rob aadbrolruamrti l you pay your outstanding balance told and terminate 2.You must have used your credit yard fee the orr,Ghase.Purchases made with your Account relationship. - tees advances from an ATM or with a check Mar accesses goer credit card . Calculation et Balance Subject to Interest Rate::10 fl^a0re your perigee Interest Account do not suably . - Cberges for each oiling sync when a dairy periodic"bet's)applies,we use Ira'daily 3.you must not yet ham1ulty pale teethe purchase. tataflce method(Including current harscaliens).To figure yew periods:interest �}p /] charges for each billing mvele amen a.mntiimy periodr.mats)angles,we use me If troll or toe enhelfa acme are met and ymo are kill/dtesoitited gas me;thrall:ma, _ _ 2Q039024 a0eaga daily balance method(hnciudinp current Irensarlbns).Per an explanation carted as in malting al Customer berries.P.O. 10295 Wilmington.DE cline:method.or questions about a nadir0tar interest charge celcelation on your 198b0-5299: statement.please cull us at the toll free cusomar service phone number Iated above. While we Investigate.the same rules apply to Me disputed amount as dlsrgssed We calculate periodic Mares.,charges.using the 0000000/0 periodic rates shown above.Abler we finish our investigation,we writ tell you our decision.AI that point i1 on this statement,separately ler each feature .5.,balance tea realer Checks arid tire:think you one an antrum'and you be not pay we tray report you es delinquent ' MA6292010 Statement Date: 07/03/10-08/02/10 Account Number: 4266 8410 4102 5147 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 Balance transfer 1224%(v) $0.00 $0.00 $0.00 Promotion 5.99% $1,946.44 $9.90 $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. 20039024 This Statement is a Facsimile -Not an original X 0000001 FIS33338 D 5 000 N Z 02 10/08/02 Page 2 of 2 06598 MAMA 30892 21410000059003089202 • • 20039024' Payment Due Date New Balance Past Due Amount . Minimum Payment . 09/27/10 , $3,484.02. $1,065.00 $1,239.00 - Account number:4266 8410 4102 5147 Make your check payable to: - yQ/ Chase Card Services. Please write amount enclosed. ' New address or a-mall? Print on back.' � • • 4266841041025147001239000034 8402000000000000009 30241 BC4Z 24410 D l 111111 lnlnlrinlullnrlrlrrull 11,11[llnl rlur llr,ilnl RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 11111111u111 111 lull,/11111111 lull////11111111/lull/ll11111 17,5000 160 281: 20 3 104 10 2 5 14 7811' slate- © Manage your account online: Additional contact information from CHASE° www.chase.comlcreditcards conveniently located on reverse side ACCOUNT SUMMARY I 1 PAYMENT INFORMATION Account Number. 4266 8410 4102 5147 New Balance $3,484.02 Previous Balance $3,533.36 Payment Due Date 09/27/10 Payment,Credits -$100.00 Minimum Payment Due $1,239.00 Fees Charged +$25.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above,you may have to pay a late fee of Interest Charged +$25.66 up to$35.00 and your APR's will be subject to increase to a New Balance $3,484.02 maximum Penalty APR of 29.99%. Opening/Closing Date 08/03/10-09/01/10 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $715 Cash Access Line $&10 If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated Available for Cash $0 using this card and this statement in total of... each month you about.. pay... Only the minimum 8 years $4,280 payment If you would like information about credit counseling services,call 1-066-797-2885. 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 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 Transaction Description $Amount x x g 1'\r rri r7.0^^zaa "S Y!z(5. 08/22 Payment Thank You Electronic Chk -100.00 ur tt a>.�.i,.3Fsc 1s.,�s.n d s u.) :;SX�S m$ -, s,S£.:$?aas,i� s 1 m`i'��3 08/27 LATE FEE 25.00 TOTAL FEES FOR THIS PERIOD $25.00 T r Ems s, .w rc S`i`r '' Eat '���.��`r`.v;�:�,�,��1iuL ��� :F '����r�1�ti �Z�s��r�,'� s����:��� ,�� �:w#3�.#t� 09/01 PURCHASE INTEREST CHARGE 16.37 09/01 PROMOTION INTEREST CHARGE 9.29 - TOTAL INTEREST ryF�OR THIS PERIOD s .$25.66 '9'rs'vol�t Ayya��`G��rp���e,U'.PettO�titi`a?#' >2 r teat0,va .tr'�.t !`y.l i�iSt�'�r'�i`ikt� tL:;:ehtl)'F:lr/dYP•krYYlSftu-riv.c?xuFt.3TSw> .�i'4'`1 Total fees charged in 2010 $259.00 Total interest charged in 2010 $203.85 Year-to-date totals reflect all charges minus any refunds applied to your account on or alter January 31,2010. INTEREST CHARGES I • . ' 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 , 2003902,1n-chases- _ . 12.24%(v) . . $1,626.98 - $16.37 .60.00 sh Advances 19.24%(v) $0.00 • $0.00 $0.00 This Statement is a Facsimile-Not an original 0000001 F1533330 0 9 030 N Z 02 10109/01 Paget of 2 00590 MAMA 30241 24410000090003024101 x • Address Change Request . Please provide information below only if the address Information on front Is Incorrect. Steel Address: — --- City: --- State: -- Zip: --- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: — --- -- To service and manage any of your account(s),we,our representatives,JPMorgan Chase representatives,and/or affiliates,may contact you at any telephone number you provide to us. Please refer to your Cardmember Agreement for additional details about the use of your personal information Lend/or visit our website shown below to provide us with additional contact information. To contact us regarding your account: - _ By Telephone: ' 2 13 r1 © In U.S. 1-800-945.2000 V�1 Espatiol 1.988-446-3308 Send Inquiries to: Mall Payments to: Visa DUX Webstte: TDD 1.800-955-8050 __ Pay by pholtel-800-436-7958 P.O.Box 16298 P.O.Box 15153 vemw.chese comycrnd9rArda �= Outside U.S.cell collect Wilmington,DE 19850-5288 Wilmington,DE 19886.5153 1.302-594-8200 Information About Your Accusal cash advance checks Neck Da na:gon),piretose• beanie hamlets.rash advances.annotate,balances re wxrdrall ailYFnent..besa cxyu one may - Crediting of Payments:You meym ei Oaymcnu••byany el the Pea"!sled below. combine dilierenl categories with the same periodic rates.Variable rata wig vary r-�- The amount of your fnenem$leapt peal leas,from minir .wrr paymerd due.payable with tyre mulct hasod on the Prime Ram(or such Index deserted in yew Account • In US.dollars and craven or payable throgh a U.S.tirwrtdd instiutlan or the U.S. Agreement).There is a minimum interest crarye of 51.50(m such amount described brunt W a foreign numeral lrUl9,nion. i-you Account Agreement)in any biding cy ee in which you owe any periodic You may make payments by regular U.B.mull.Semi your payment to Ion Payments tiniest charges.ere a ronosollon tee tar each balance infir2t.Oast,advance.Of . address shown on this statement.Your payments by:nag must comply w1h the check transaction,in pie amounts stated in your Aomori Agrr•mern as II may be Instructions on the statement.Do not sand cash.Writa your Abram number en emended.Than is n foreign henna=Ice m 3%of the U.S.da1ar amount o'any your check or money order.Payments must tae acmatparded by the payment coupon foreign transaction for such amount described in your Account Agreement). in the env0100e provided wlle our 000050 viuSe1hmudn the 0000loee window:rte How to Noe Paying Interest on Purchases:We begin assessing periodic interest emetope armor cooper more 9,an or-payment a coupon;orb there can 00 m charges one tm'Saunon,lee.Or interest chargatrom tAn eutna is added:e your dolly males.paper ctos.tape on correspondence intruded Yin your payment.If yore 000rce until your„count IS polo In 44.as daccdbep to yam A.zoam Apraameri. payment is in auordance erUtt our pwymee.uttrenisns and is made bailable to is Your due dale will be a minimum of 21 days lollneing the done of each dung cycle. en any day be SAOpn.fao bneat our Paymenloatdhe"on this state ent"a wet Wm can avoid mom Interest news on new mnchoras when met are test Inlet uad4 tin payment m soar Account as a'the:day."Your pareet 'in acmrdanrc to a statement as described below,but Ms does not a=Iv m balance transfers, wen cur paynonl Insuudions,ben is nad0 malabh to us atmr 5. P.n'toed tine cash advances or overdraft advances.h you rondo a current monmh•saPamentmat V the Payments address an tds statement,we wed[rCx h to your Account as of ,'dudes new pumhases and make a paYmEm mat ne raLp,aa or m 4n tl0 ihle the the MM calendar day. Alinimum Penmen:a due for mat statement,we well not cierge periodic Interest on You may make oaynreitetectronlalythmph ore wobsho shown on Ink statement. any ovum of most new ourctufses mat we allocate eurh yUymem to.no tong ant) P we reeve your°emykted molest on cur wedstt by5 pm.(:stern Time.001.41 Yer aurenl stalemenl also u mws the.we received paymemi d lot aldhg brat a I credit your Payment as or that coy.IfonrealVe your reciter after S pm.Eastern for your previous matNS statement by the Cant nee time Os Minimum Payee et man n Tune,we will credo your payment es of he nee=lender day.If you smelly a futun due OR 2)that the ending balance for your previous mamhh statement was aero.it date in your request von ell:ndn your peytrknnt as m ohm dry. you hate a balance enter than a purchase balance anti that balance mines a higher Melodic Ntereel rat,you may not Os ode en mid p00000 riskiest Memnon new loots Mierpoymcnis or tot any payment tyeabar for twucn you d0 not td:Ow our purchases if you do not pay your detente it hal nth month,because we generaQv payment intbuc:ions,aedtmg of your payments may be delayed for up to 5 days. aeon payment Drat to the balance wml me Mont peetndie Interest rate. Atroem Imormenioe Branded to Credit Sweetest We rry report intormaticn about Wael To no It yam yew,Von Fled A Mtsfeke On Your Stelemeoo your AaOnnn to meta humus into tayrrent.misstep payments m ndmo defaults on yarn Arraant moy he relented In your credit mpam.It yea think we have rcponod it you think there is an error on your etatemenL write to us on 1 emanate Sheet m Inaccurate Information Inc credit bureau,you may Yu he to us at the lncuires address Customer Sevin.P.O.Box 15299 Wilmington.DE 19850.5294 shown on this statement. In your latter,glue us Die following Information: To Ser ise end Manage Any of Your Acumen),We,our repmeneetiuon.JPMOrgen •Account IIformaDont Your name and Amount number. Chen raormanmtivrr;,and/or ottlamn,may maxi you al any:depbonn pumper you provide to us.Please refer to your Cardmember Agreement lo'adcilional details •tanner amour:7ne dour annuli 0f tit easpedM error. stout the use of your personal Intmma9on. •Desetele n of Problem:t you think there is an error on yam bdl,describe - Rot lee Abair Electronic Check Calwerslan:Weer you gayly check you autorthe - what you believe Is wrong art why you beicre it K a mistake. • on ether to uses InTomna3on tram your deer to make a oneflme ebctronic fund Yet mull contact m w;thh BO days after the MO!appeared am your s.u,emert. l0n0ler tram your aceo m or to procas 0e paytn=0 as a^_Matt Iransaci in.when we use Inhumation from your cheek to make ay electrenk tuna trafel%turbo may Yon mint witty us m any poker uiel errors 0 wiling.You may ml us.bent you do be wi:ld:awn.prom your account es ego as the sere day no receive your payment nun are not required no investigate any aolenlial errors and you may have to pay the EM you till not recede your crook Sock Mom your leaned institution.Cad the anoum In 0a0sildn Cus,wner Service number on Ilk sotelnent II you hove questions about Netbonic cheek cukction or do net want your tayrlerra coInCmd electronically. While rum Investigate whelnr or not mare nos liven an eons dm 10100910 am woe: Conditional Payments:Any ve;ment erect or other form Ol Payment tat you send •we cannot try to coneolthe mourn in quemWn.oo moony=asdrinquem on us lcrless than lee loll belana due(hal Is marked'paid intuit'or mnans a similar Dal amount. notation.m mat you ntiterw:se tenser It.fun satisfacker,el a tenanted amount. •TM charge in!rearm may remain on your sdtartn�and our may cor9nne must ue sent f0 Card Betvkas,P.O.Box 15049.Wilmington.DE 195565049.We to creme you interest on the amount hur at our rmomhe mat we mime a reeelw all our rights regarding these Poyrono'o(ail..d It a determined..there+no Instate,you tell not have to pay the amount In question or rcy interest or valid dispute or d any such check is rotehYd at any Omar adorers,re may accept ramp lees a poll n that amount. the check and you nal cdl owe any remaining balance).Ode may refuse to accept any such boymer(by returning ft in you.not ces0ing It or destroying t.All Mi xt •Writ you donor hate to nay tilt amount In corolla,you are response.*to payments that you mate droelir be sant to Ito regular Payment address shown on the rev aimed of your tradnn. this statement. •We call apply any onpeid amount Doane your credit firm: Annual Renewal Reece:It your Account Agmemarthan an annual numatemhlp ten andle,-similar charge hmissuance or;44511M/of wanre:count hen be ailed cad, Your Rights It Yoe Are Dissatisfied WItS Thor Credit Gard Purchases net at in monthly or quartenyhstal!nheiK Tdstee endbl charge oa owed ymxl,L•r If you are dinnnlnned moil tie pools m sereraelinat you hum purdmsed 5010 you or lot you use your Account,and you apnea to pay then when blued.The weal anti card.and you have tried lgoed rain tocorrect ifs problem nth the mercrenl, fee one charge cue man-01000ade unites you 0000 us Mal yet web to close your you mop hove t o ngit rim t0 Icy she remea/np amount duo en me pntctrese. mega wbhn 30 days On One Wend ewe ryMtCkver Is leas)a ser we provide tM statement on which Ire annual ice u shame is blued and al the same hate,you may To use WE nook:di of the Idlovtn must be ton: your oetstending Inmost In tell.If you do Mils.tae charge baled more often ken 1.7nc purchase must hour.men Ride In yml home ante m within t00lnTCs annuity each at 0 nmaemn,smote drupe you null not more fin in billed enarge; of u crosent must h been unarm me purchase prix nest rave been however,prior baled chops are rmn-rehaMabre and must be pat es Oak of paying your n(' your oustnretinp trainee in tut.Your Ia7Ymurn of lac umlunl tee or charge dons not mom than 350.(Reno:Scorer 01 muse are necessary if your median was Wed air l¢ra to dose your*command msimlt you:right remake transactions on based on an advensemon:we mailed to you,or it we own to company Pmt your Moo Ink Il your A;count is closed by senor us.we will continue to inpese In sold you the goods or services.) annmalfmondbr char go until you pay your Wtstelld'epbalance in fun and terminate 2.Yoe must nave mod your creel card fa'the purchase Purchases made with -' your Acoounf,elatimshgr.' cash advances from no ATM m with a cheek tM menses yaw tech card Calculation of Balance Subject to Interest Bala:la figure your perodk Interest Amount do not ovally cmrges lm cacti billing byte Won a daily celodic rtla!s)»pries.we use the dray 3.You must not pet Invt luny paid for me purchase. ., !seance method(incabmp armed bannetens).Tp figure your periodic intern! Mrs mr rddh mint q'de Wren a moiety nelfxnC mem)aptness,we use Me II el of the crane above are met and you are mfg demisted vain the parolee. average dally balannce method phethei a current tmnsadbns)For an exdanalkn of corlael us in uniting al Customer Selmce,P.O.Rex 05295 Womilglon,DE 20039024 either methoe or questions about a pedlcula Merest charge salutation on your 19350-5209: st:teiront dame cal vs x,the toll tee custonuo service phone number listed!boor. Wilk we Investigate,the same rules apply to fie deputed amount as discussed we calculate periodic 110,001 charges.using the 00ptab10 periodic rates shown above,Alter we finish our investigation,we will k9 you our decision.Al that porn!.if - or,this slelement,separately tor tech Nature 11.0.,balance transfer cheeks and we think you oye en sworn and yell do not Poy wo may report you as dJhgwork I MA6797010 I Statement Date: 08103/10-09/0111 0 Account Number: 4266 0410 4102 5147 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 Balance transfer 12.24%(v) $0.00 $0.00 $0.00 Promotion 5.99% $1,667.12 $9.29 $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. 20039024 This Statement is a Facsimile -Not an original X 0000001 FE533338 0 9 000 N Z 02 10/09/01 Page 2 of 2 06598 MAMA 30241 24410000093003024102 roira 20039024. Payment Due Date New Balance Past Due Amount Minimum Payment • 10127/10 - $3,435.45 $1,139.00 $1,310.00 Account'number:4266 8410 4102 5147 • Make your check payable to: - Chase Card Services. W _ _ Please write amount enclosed. New address or a-mail? Print on back. 42668410410251470013100000343545000000000000006 42870 BDC Z 27510 D In uIIIuInInlrlrrlulluddnnllilrinrIIulrluillnllnl RICHARD J RYAN 124 SUMMER LN CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 IuJll1ulllu1n11LIJu11drnill1rliLrltitIlliiiilllu11 1:5000160 28: 20310410251117811' slate. Manage your account online: Additional contact Information front CHASE 0, www.chase.cornlcreddcards conveniently located on reverse side 1ACCOUNTSUMMARY I 'PAYMENT INFORMATION Account Number: 4266 8410 4102 5147 New Balance $3,435.45 Previous Balance $3,464.02 Payment Due Date 10/27/10 Payment,Credits -$100.00 Minimum Payment Due $1,310.00 Fees Charged +$25.00 Late Payment Warning: If we do not receive your minimum Interest Charged +$26.43 payment by the date listed above,you may have to pay a late fee of g up to$35.00 and your APR's will be subject to increase to a New Balance $3,435.45 maximum Penalty APR of 29.99%. Opening/Closing Date 09(02110-10!02110 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $764 Cash Access Line $B40 If you make no You will pay off the And you will end up additional charges balance shown on paying an estimated Available for Cash $0 using this card and this statement in total of... each month you about... pay... Only the minimum 8 years $4,226 payment If you would like information about credit counseling services,call 1-866-797-2885. The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result,your credit bureau will be updated with a negative rating that could last for up to seven years.We can still help,but you need to call us now at 1-888-792-7547(collect 1-302-594-8200). 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 I Date of Transaction Merchant Name or Transaction Description $Amount �Z v��l�u���f,rrS�J�NVV�irN> f��,�:LSSRti�sY`.td�4�✓a'lE �x'r. It ���7f�t���r� ..u�$Yx .'aYrr Rr .rr�h,trr�Sr`�e9�fr(trf.,.}f ,�v3� tit L. 09/19 Payment Thank You Electronic Chk -100.00 r'` .` "�srtF' *-C'7`rt 3 4r atsstg r a'g v IYSBT`IMO f'M tt f ti�it �c �''s?���`����' ����s��1° �. t1; � ##�2FY�E3J t: ���"-� ?� r �ur.r..�.5r.�e,,:�73',kf�f,�r.>�P,�..�.��N fa!? rSrc?�rhrfsf sb t`�'e`,.res�. 1� ., h. G<.aL1'. Lam. rrf.,..rt .,zir2`�.z�a.eD.u....rns.'S=zsax.N1 .'lrN 09/27 LATE FEE 25.00 TOTAL FEES FOR THIS PERIOD $25.00 SIMINFti; §y`ns,t -o S,`, xx € w5^F F .� 1trn Yy�irt. -.v 'Ire3 ''fb� a?<11�`�>�>!r<IN I 1=I,t„h 11A 0 s:z t,r�f�M r^[:��✓.sr7,�a 'r�r`i r<S'TI d,.�)r2r 1 0/0 1 PURCHASE INTEREST CHARGE t7.34 10/01 PROMOTION INTEREST CHARGE 9.09 TOTAL INTEREST FOR THIS PERIOD $26.43 �ttil at tl`ot is Ye r 1'o 3 t5�� ENVI ' 4� R�u�>"�� nh�aasas sfwn�ss L�s.,;w,in�r�tih ltA1Y, a:�•ig A Total fees charged in 2010 $284.00 Total interest charged in 2010 $230.28 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 2003902�Type 31 Days in Cycle Interest Rate Charges Charges • urchases 12.24%(v) $1,668.65 $17.34 $0.00 Cash Advances - 19.24%(v) $0.00 $0.00 $0.00 This Statement is a Facsimile-Not an original 0000001 F1833330 D 13 000 N Z 02 10110/02 Page 1 of 2 00598 MAMA 42870 27410000130004287001 X e ........: ••• .• ' .Address Change Request . . . • Please provide Information below only If the address Information on front is Incorrect - ' • Steel Address: • • ------ --- • . City: — State: -- Zip: --- Home Phone: --- --- ----• Work Phone: --- --- ---- Email Address: To service and manage any of your account(s),we,our representatives,JPMorgan Chase representatives,andfor 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 end/or visit our website shown below to provide us with additional contact information. L To contact us regarding your account: By Telephone: 7 2 O le In U.S. 1-800-945-2000 • Q Espeflol 1-888-4463308 TOO 1-800-955-8060 good Inquiries to: Mel!Payments to: visit Our Weastte:® Pay by phenol-800-438-7958 P.O.Box 15298 P.O.Sox 15153 mama/chese.comrcrnriRcnr i , ® Outside U.S.call collect Wilmington,DE 19850-5298 Wilmington,DE 19886-5153 1.302-594-8200 . i' 1 Information About Your Aumd ash advent.dads rank Imnsacliori'j,purchases,balm=transfers.cash advances,pmmmloms balances Sr averts t aieenceii.Tess relculmtOls may - Caditieg of Paymema:Yau may make paymlCnfs by any e!thn OlrJpns 051cd belOW. combine different categories with the same periodic ates.Variable rates will vary T•_ The amount of your payment should be at het your minimum paymonl due.payable whir m0 market based on the Prime Ram(or such Index deserted in your Accaum in U.S.doll's and dawn cr nayab!e through a U.S.Crenate!institution or the U.S. Agreement).There is a minimum interest charge 0151.50 for such amount desorail Marian of a toralgn Mania!Ilaatalon. Ir I hoer Account Apeamerd)is any biting cycle in which you our_any periodic You may make pawnerIs by regular U.S.mii.Send you;payment to Sr Payments Incest&aloes.are a Manna-"Ion tee mr eau`,balance 1Ffinv'Zt,asn advance.bit address shown an this statemen1,Your payments by snail most eonpey with the check transaction,in the amounts slated in your Acana Agre=ment as it may be 1 Instructions on Iles stalemmd.Do no sand cash.Write haul Mahn number on amended.TheT is a finial trensed nn fee at 3%of the Il S.defier amount or any your check or moneyorde.Payments must be aeeanpamed by the payment coach foreign larlSadioci for arch a mount de$Ydbed in you:hew Ern Alneesem), 10 913 001131320 330Vl1Ed vdth 01°0'1310,3Sh$H Mr"n 013 Bmd300 e3nd0W Ih0 How tp Avoid Paying Interest on Names;We begin assessing periodic interest• erwdspe cannot contabl mom Man Ore Payment of coupop:and there can be no charges on a Man n:ion.lea.a Interest Charge hang the datoR Is added m your0aly 3133103.pace0 eggs,tap0 a'w0030onden1e 103413636 With yfur 03330131.II your oa2nce until your Amount Is paid In lu1,as described M yam Accoam Agreement. payment 10 In 3100rdanx with our payment 0strodR301 and to matte available l0 us Yuen due dale abbe a nnnirnurn of 21 days following the dose or each billing cycle. co any day by510p,m.loalbneol our P3ymlem6 add«sson OlISOIMomentorewn11 Yam ran ROM moo's im130ct dents on new 2000000 wan May are firm Meat area he payment to year Account as eta:day.O your cayman is In ac0nrdame to a statement as described below,but tots does not apply m baa7se transfers, who do payment Monotone.tan is made available le us afro 5:00 p.m.local time Cash advances or overdraft advances.II you receive a consent monthly Paternal tat et the Payments address an This Maternal!,we will Grail it to pro Account as of Mclean new purchases and make a payment drat ere receive Wilts daze an0 toe ire the nerd calendar day. , Minimum Payment b due'or that statement,we all not charge xd06ic interest on You may make 003010n%ebctronkahy throne our wobstle shown On 1hk otatomeni. era Donlon of those new purchases that 111E 1003010 such payment t0.so IcoO as 1) 0 ore reeeve your completed tegiteaf on art websl1011y5 pm.Eastern Time,we wet 3051 1501401 slalenrml alto shows Oa11ve 12001+ed pays eht of the ending 31113:a credit your payment es of Mal ay.II we motive your meow!Sher 5 pm.Fasten for your previous mmhh's statement by the dale one time Os MlnIn um Payment was time,we wig cootie ya0 oaymatl ea of fb0 nod calendar day.It you speslly a luluro due OR 2)That the endng solace for your previous=mitt stnernem wd5 wag.II dale In your request Win w;0 cmdn your payment es of that day. you have a balance other than a purchase baama and that balance omits a highs indocile interest ale,you may not be able to aam0 0eneldlc Interest C1P003 on new Far at gm payments or ter any Oaym0T,ty011500230:1911:01 roll do not tallow cur paohases it you do not pay your baknoe pa lull oath mpcdi.001use see generalN payment msbr03ons,crediling 01 from prym0Ms may be delayed for up to 5 days. 0000813 peymefe dal to me 3010pa w!Ili the mghat(edrdbc mleesl rate, Aground Information Repmled fa Credit Oareera:We may report informaSen about What To Clo H You MI You Fled A athlete On Your Statement yam Acceum to credo name._Leto myemntt,nthsed mvmesu In 03mr 00100110 on yam Amount maybe refired In your mall sport.It yo0 tine we have reported 11 you think there la en error On your statement tate In uS on 3 separate sheet 81 inaccurate Infermation tea real a teats you meads loos at the lnauldes address Customer Servi:e.P.O.Boa 15299 WImingbn.DE 19855.5299 0100m on this statement, In your taer,give us the following 1MOrma1on: To Service end Menage Any al Your Accoent(a):We,eta represeN0livos,JPMorgen •Wanl Informed=Your name.end Amount m enet Chase mprosnnmurs.on1lm 0150ame.may ant=you m or0y ldepnoon numoer you pvoade to us.Please refer to your Candmember Agreement lo-additional details •Drum avow:Mc 0olar arnmal 011000uspa1M'mar. about the use of your peasant hdamapn. •Description 01 Pro010rn:If you think Pore is an error on your bat,dosedbe Nodes Abell Electronic Cherie Conversion:When you pay by check you 3111h0100 what you bdieve is wrong end why you believe it lea mistake. us either to use InrormaYgn from your sled':e make a one-hale elec1NO':turd trer1011411mm your mown or to process Ise payme d u1 a deck transact On,wean You must contact us within 60 days rafter no crm'appeared on your s Cement we nee intartallan from your cheek to Hake a'e)ectrolic lung transfer,funds may 1,0 mum 00111'us a any 20:01.001010010 01 001001.Yea may coil os.010 01130/13 Sr:withdraw:from your meal es soron as the same day ern receive year paymmrd. eo are not required no imectigete any potential errors no you may have to pay the end ono loll tot receive 90a,coatis lock ham y00'111000,h011101ion.Ca0 the 1emem10 oaas1tn. Customer Service number on thls sttement It you have cuestions about e1011:0 k cheat Collection or do not tram your cayman-4 collected electronically. Mc we rrmmlga0 whether et rot there'ms been an env,100 10110 0000 000 tut: a Condhlonal Penults:Any payment deck or other tram M payment mat you send •We cannel try to collect the aaous:1h question,of reonyou asddinquem on us!sr lest Ilan me lull balance due alai is marked'pad in loll-or 000:8'11113 similar Huy amount nation-at ant you o0nrw50 lenae!In hw satislactien of a deputed amount. •The du question m r statement,ours!we may enrinua must oe ant to Card Servko,P.O.Box 15049.WilmInglen.0E 19850-5549.We charge in qu may rennin yam y c res0mee ell o0 dolts wording these payments(e.g.,it it s des_-,mina there is no to crarga you Immr51 an sal 3/01301/Out.It we 00113.mbe mat wv!made a valid dispute a if any such 35011110 recened at any onto address,ton may accept mLslaFa,You will not have a pay the amount In question cr arty interest a the check and you it ail any remaining balance).We ay refuse 10 accept Ol r tees related 10 that amount. r any s91h1 payment Ey retorting n to you,031 cashing It or dmiroying h.All 01ne1 •W78k yet do not Raw l°nay 111?Undid In a110.ulpt more tesmtn5 011 for payments that you moat Macro be eet tb,he repine Payment address shown on the remainder of your balance. this statement •We all 00230 my mgand amount 010:001 tom cruet firm:. . Annual Renewal Notice:II yam Account Agmernent bee on annual membership tea *rant similarwarge ler lscmn:era availability 2l you a:mum.1 win be piled ad, Tour Rights 11 Yeti The Dissatisfied WOOS Your a«di!Card Purchases hat Or in mahihy Or quarterly hstal!reaK This tee adios charge ere ome whether U poem dissatisfied near the goods n:50rvlws Oat hors haw moaned with han at erg:we Use y0uf Account.and Wd 11110 10 pay uam when billed.Tlx anon! Gncon:ad and you have tried lugged lekh to coyest HK problem nth lho mem!'Nn, fee and charge ere 0335 non-refundable 1 nn!e;s you noddy us that yea ash to close your you may have tie n2nt not to pay the intimating anonnt dun co rat pulchseo. 80co m wlth'n ell dayb or we pilling mane(whichever is lest)at&we;Meat 101 natemem On which 310 annual fee or One is bike and at the same brae.you pay Tc use i M0 bigot,all of me tolloa no mum bettor: your outstanding Imbue In 101.n you do 1310,he a came billed more often 0001 annually such as a monthly seam charge.you Tel not sae fro h5:oiled charge. 1.The outcome must have been made term homn 0101e or a lio 100100es however,pilot billed charges are nonrefundable arid most be paid as part of 031:l1g of your current mailing address,and Me purchase prix must have been your olrslana g lance In tu0.Your laymen:of Ise moat lee or change eons not more than$50.(Rota:Nether M M em a«necessary N your perch=was Wert err dgna m dose your A0mun1 and to 00111 your:ant torah transactions an 6xe3 on an adverlaemen:we mailed to you,or it wt awn the company tat your AC00001.II your Account iO Cooed by you or u5.we will Continue to impose the seed We ma goods or aervices.1 S. lmuat is aadlorclaege until you pay yew oulsidir/810 alum info!and terminate 2.Toe must have used horn cradle yard for the purchase.Purchases made with your Account relationship. cash advances Isom en ATM Of With a Oat true accesses your credit card - Cahmdlen of Retinae Subject m Interest Nate:10 ripen:your period:tntereat Account do not°t ally. charges la each billing rya'-',Man a dziy per!ad,'c role(,)a3pita,we use the dally 3.You must rnt Vol have copy P'Id nor tae pia 0ease. March method(Including current tameadlens).T3 5g8re your period°inheres! e1811005 for Oman 213'g 0,'Gkt men a Menthe 00ncmk mime)03pg;B,we use rm1' ' 11 00 of tee allele above Bra met and you ere 01111 0temas Rd Wm 010 wane. 20039024 • a01109e daily Mane method(hdudmp omen Irens3dbms) en catenation of contact as hi main at Customer Service.P.O.lbw a5295 Manton,OE alter rne3rod.et questions abbot a panlcuter Memo)charge alculalbn on your 198595259: st:t0 3000.Moose oil us at the roll Imo cusmaat MN ia phone nlcnber 15tad 06501. Write we Imesagata,the erne rules aping to me deputed amount as diseased We circulate periodic htarnt charges.using the eOpawbia porodie rates shown above.Alter we finish cur imesdtalion,we wql lee you our decision.Al Mal print 11 on this statement,eepltaley loo each feature(e.g.,balance haoote1 Meeks era we think yauowe an°mount and yeu do rot pay we may read you n;delinquent. r MA6292010 i r Statement Date: 09!02110-10!02!10• - Account Number: 4266 8410 4102 5147 Page 2of2 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 Balance transfer 12.24%(v) $000 $0.00 $0.00 Promotion 5.99% $1,787.83 $9.09 $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. • 20039024 - This Statement is a Facsimile -Not an original X 0000001 F1S33338 D 13 000 N Z 02 10/10/02 Page 2 of 2 06598 MAMA 42870 27410000139004287002 20039024 . • Payment Due Date. New Balance Past Due Amount Minimum Payment . 11/27/10 $3,386.86 ' $1,210.00 $1,379.00. - Account number:4266 6410 4102 5147 . • . Make your check payable to: - - - - Chase Card Services. Please write amount enclosed. New address or e-mail?Print on beck. 42668410410251470013790000338686000000000000001 27551 BDCZ 30610 0 IlrlI IIIIIIIIIIIIuIIIIIIIIIIII111.IIIIIIIIIIIIIIII111lIIIIIIII RICHARD J RYAN 124 SUMMER Lit CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 Lll illI IIIIIIIII1IJJJ11dd1111111IlIIIIIIIIIII11111111111 1:5000 160 281: 20 3 /04 i0 2 5 14 780 slate.,V1tl.j., g, Manage your account online: Additional contact Information from CHASED www.chase.com/creditcards conveniently located on reverse side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number: 4266 8410 4102 5147 New Balance $3,386.86 Previous Balance $3,435.45 Payment Due Date 1127110 Payment,Credits -$100.00 Minimum Payment Due $1,379.00 Fees Charged +$25.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above,you may have to pay a late fee of Interest Charged +$26.41 up to$35.00 and your APR's will be subject to increase to a New Balance $3,386.86 maximum Penalty APR of 29.99%. Opening/Closing Date 10/03/10-11/02/10 Minimum Payment Warning:If you make only the minimum payment each period,you will pay more in interest and it will take Total Credit Line $4,200 you longer to pay off your balance. For example: Available Credit $813 Cash Access Line $840 if you make no You will pay off the And you will end up additional charges balance shown on paying an estimated Available for Cash $0 using this card and this statement in total of... each month you about... pay... Only the minimum 8 years $4,172 payment If you would like information about credit counseling services,call 1-866-797-2885. The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. Asa 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 I Date of Transaction Merchant Name or Transaction Description $Amount ��>; ^'k �8�p Y3^x +°X r C' „x N � ^V�' sx Fttv xrzn, 5# ¢{cih �➢r`4�',f.F EESI IN7 S r' , 1f VATI�J OORI5'"s w s5 ;r': `}�.' '.s�§aK' `S,'rt''.'F'`R�s .£ e S. tm>;s•.,3 .� ,L+ fz.,r� 'u1� 1.➢ Fi➢ft.£�fLi 10/19 Payment Thank You Electronic Chk -109.00 MN'," MIN ,;:.er;,' ,.T.,zk ddT _ allM, ?101151 Mfn"`?+,�$v aF.ttrzrack4EI 10/27 LATE FEE 25.00 TOTAL FEES FOR THIS PERIOD $25.00 # n n� sr+�pr �£. 4 s sTm z' '4 },��,fi*' u" A ,_wp{ its , . 3,r ��iNF� s 1, c n �a „ ,. E�,�i ii` tat 11/02 PURCHASE INTEREST CHARGE 17.60 11/02 PROMOTION INTEREST CHARGE 8.61 TOTAL INTEREST FOR THIS PERIOD $26.41 ; i„V i��;f4E,3610 xoiais '�3tialaSirAW i--, kwS4 ua s u�.€>a -tILi,b..,,,,,tv v�i-vLm,:frsn w. .�'sn 2.xls:;Lttf°a'e Total fees charged in 2010 $309.00 Total interest charged in 2010 $256.69 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31,2010. INTEREST CHARGES I- . Your Annual Percentage Rate(APR)is-the annual interest rate on your account. - - Annual _ Balance - - Accrued . . Balance Percentage Rate(APR) • Subject To Interest Interest 2003902AType 31 Days In Cycle ' Interest Rate Charges ' Charges • urchases - 12.24%(v)- - $1,712.02 $17.80 - $0.00 - - Cash Advances 19.24%(v) $0.00 $0.00 $0.00 Balance Transfer 12.24%(v) $0.00 $0.00 $0.00 This Statement is a Facsimile-Not an original 0000001 FIS33338 D 12 000 N Z 02 10111/02 Page 1 of 2 00590 MA MA 27551 30610000120002755101 X Address Change Request Please provide Information below only If the address Information on front Is Incorrect. Street Address: ---- --- 1 City: — ---- State: -- Zip: --- Home Phone: --- ---- Work Phone: --- --- ---- Entail Address: ----------------------- To service and manage any of your account(s),we,our representatives,JPMorgan Chase representatives,endlor affiliates,may contact you at any telephone number you provide to us. Please refer to your Cardmember Agreement for additional details about the use of your personal Information Landlor visit our website shown below to provide us with additional contact information. To contact us regarding your account: f © ByUeIn U.S.lephone: .7 (��( ° 1.800-945-2000 �V JO NUMMI Espaflol 1.8884463308 Send Inquiries to: Mall Payments to: Wish Our Website: TDD 1-800.955.8080 Pay by phoned•800-4367958 P.O.Box 15298 P.O.Box 15153 www chase.com/credtcards MEM Outside U.S.call collect Wilmington,DE 19850-5298 Wilmington,DE 19886-5153 1.302-594-8200 t— telormelice About Your Account cash edw.i^_e checks('deck Imnsaction j,purchases,Monte me bensfers.rash Cedilaf of Paymams:lxx Tray make pmymxnt$by any el me poems tslcx btlxw, advances.pmmoten balances n oyemrntt abdic us).:lent tdloumlone may Theaneunt 01youl paymemshmkbp 6l least yew minimum p6ymxitdue.0ayaO'. with the antelnlutegortth with the ate same such periodic described to Variable will count in U.S.dol;an and drawn or payable Omagh a U.S.to nda!inxtxxbm or De U.S. with Ire market bassi m the Prime Rate(or eft Irdex(or each a M your Account Agtcemem).There is a minimum interest emerge 0:51.50(or salt amount described Matti of elm-Men ly'ane5l hattJ(IOO. in you Amount Agreement)In any Piling cede in which you owe any periodic You may nuke payments by ngmm 5.5.malt Smut your paymom to the Payments Merest Merges,are a transaction tee or eaei balance tansies can advante,or address shown on the slefement Your paymens by mail must comps with the check transaction,in lit,amounts slated in your Account Agraenaml as it may be lobboo boa on Die staamem.Do out 05,00 asit mina your Accoam number on emended.Thom is a foreign tanoa:ton too of 3t:of Pm IfS dotter amount of any your cheek or money oma.Payments must be accompanied butte payment coupon foreign transaction Tor oval moon;described in your Account At000ment). in the enootOn prWided Wets Our'loose close throats me enonI351 wlndov•Ins How to Avoid Paying interest ce Purduses:We begin assesa<rp periodic interest emetope cannot 5555th more ttanono xoyrtrent or coupon:and then can be no charges on a transaction.Mc or Interest ceargemom the eaten a added to your dally staples.paper caps,tape or correspondence Inc:uded wilt your Payment.If your trainee it your A:c vn Is paid in I,d',as described In to Mourn Agreemrt. payment tom a:cordmx wAlh oar payment instretrimu•and is maoe a,albda m its yt.due dale rnl!'b e a rninnnum of 21 days following the dose or each billing ante. cooly day bye5d10p.ne.lxat hereof our Payments mUUress on misdatrr,mtsvawill IMO=amid monde.interest erarges on new off rrmmJlm vim Mey eregrra tli500 credit he payment m year Atwum as of that day.Hymn payment le In accordanan to a Statement as described below.but Uds does not ae^ply to balance transfers. wan cur paYrent hKarar n"'.bon Ic amf''Yaeable m wt atmr 5:00 n.m.lotah rime cash advances or overdraft advances.If you meeko a current month,%Moment that Si the Payments address an Ms sizten ere we nil e'en it to rJUt Account as of Induden now pamtases and drake a payment that we 2cehe by tre dare and me the me nerd calendar day. Minimum Perten:is due for that statement,sue will not charge periodic Interest on 000 may retale payerels electronically through our wobsho shown on les Statement, any POmmn or Prawn new suroMSes foal we allocate solAr Mymem M.so bhp SO 1) It re.ree.Mre yore oomriosed r 00es10A euf webnite hy5 y.es.[astern Slit we Intl year mind statement also snows that we eeceired payment or Ise ceding boar CC Credit your payment as of teal csy.If we re:eive your reolea!Mar S p.m.1051201 for per preys us moron's statement hyena rat:non time Its Minimum Payment was Time,we will credit your payment an alike next adender day.If you specify a future due OR 21 that the ending balance for your prMous mamh5 slatemom was aero.II dale In your reocect con w:e credit moo payment as at that dam you have a balance ather than o purchase hairt:e and ito balance carries a sights periodic interest rate.you may not Dc OM to coed 5cnadle Merest clzrpes on new For an other payments or 101 any payment typea cot ror wh:or you do not td,ow our purchases if you do not pay your balance in hit each m0ndt because we generally WWI mibucdonS.crediting or your payrtnntsmay be delayed for up to 5 aloyt aenonle payments trst to the balance eo!tr the Martel ilerlodit merest rate. Asemnt Intermelioa Reported to Credit Dareeos:We ro report inlorrmhcn about yehas To Do H you mob You Find A medeke On Year maimed your Aerourf to matt harrows UM tsym trtl.nitasan esTtmenla or Owe Saloons any=Arcount may be relented M your=la moan.ll yoo thank we have remand 11 you mink(here is an error on your statement write to us on a separate Sheet al Inaccurate Information macre?t bureau,you May wilts to us ettw Ineuiries address ado:ner Semite,P.O.60x 15299 Wilmington.0119010•5295 shown on this statement. In your brier,ghu us the to9owing Information: To Smite and Menage Any of Your Account/0 We,our represerddives.JPMmpan •Amount klurnagut Your name and Amount number. Chest teprientettes,annJor amaslen.nosy Globe you at any mlophono number you provide to as Please refer to you*Cardmernber Agreement to•additional details •Dollar amount Tne edger omnunt of ton etenedrf era: about the use of yom personal imooma•Jon, •Description of Proetem:II you think here lean error on poem bill,describe Rance About Electronic Check Germanise:When you pay by 55050.you authorize whet you believe Is wrong one why you believe it Ills a mistake. as either to use Inhmadon tram your check to make a onetime electron,:turd aeralef lie,your steam 01 to protam the paymGnl as a trek transact an.wen You mutt contact us MOM 60 mays offer the error appeared on your s..smnnt. are use telemeter,from your aiedi(DIVA?at electronic fund anew,furor may luau must actor u9 01 any ree.,el arm At armnp.Pea nay el'an,bon t you do Sr wthl:awr,from yawl arcaor an aar•as the anise any'at receanEn"Payment we are not required no investigate any aotental errors and you may have no bay the and y0J all out receive your creak back tram your financier Institution.Call Ise armum In auesi:an CusJJraer Service monrnt on this statement D you law cuestons about eluton0 cheek collection or does most your payment collected ekarmieany. While we Investigate where or not there has bon an Coot,the focowtnp are rue Conditional Payments:Any payment check or Otte form at payment tat you ark •We annottry to coiled theemaUrell penmant or repuraync as Oakmont on cos Mr less than Ina lull balance due that is marked'paid in he or contains a similar that amourr notation.el gat you rxrerse lancer In hay settsfacticr.of a dspmed amount. -TM Cur pin question amain an statement,and we 6nez must m sent to Card Services,P.O.Doe 15049,Wilmington.D£19850-5049.Wp 9 p ironrY yam t may car. reserve ea our rights repermrrg these payments(e.g..It it's dnlreninrn there Ism In etsrgn you interest on:ten smarm Din.Y,sum pptrmhhc no won male a talk dispute a�I anal such check i9 rOcets'CO M any Sloan andre-s,we may meal mistake,you Will not have to pay the amount to Question or any ktetest m Me check and you wit MI owe arry omaining balance).We may refuse to accapl Mee,lees rotated b that amount, any 05511 Permit by returrdng It to you.not cashhp It or dctroyt9 0.A5 otnef •Wee yoc do nol have to nay On amours in melon.mare resemsttc toe payments that you mate should be sew:Ic Me regular Payment address shown on Ile rerrai deb of your balance. Non statement •We can apply any wiped anrocnt against your credo unit Annual Renewal Ratter It yam Aamm Amrerrent has an annual membership lea andfathniar crate for taSUmxmararlablItty el yairaccr00.11wlt be bleed ead1 You Rights If no Rre Dlualltlled With your Credit Card Parch0000 y;ar or in monthly or Quarterly Instalments.This fee mlbr charge are Orredaielher II you me disathted veld,pie gnrdssv services that you InVn pendtaed with you or not tot-use Your Accoua,and yvt agree o ropy them when belled.Tire 2nnJil veil;pro,and you have fled In goad Mari to mow the problem nth the norOl,0t fee one charge are oys or refe=r yea notify ds hat yoc wish to close your you moy have tam rant not m pay the remaining amount dlo on tan pored* amount Mo`0 DO calks Or me manq C,ck mdterever IS less)Ater we provide x statement on which She an leear ohms is bdkti and at the some bone.you oat' To use this right.eti 01 the following most hetree: your oetstending beano in tuU.If you doles.ton a charge b!ted more often till annually such as a montvy service charge.you MO nor mar the Mat bled charge: 1.The memo must have leen made In yore m:rm e:eta on M11111 100 mace hamaer.into bees:tombs ore non-malu dab!e and must be pad as part of paying of your morent moiling address,end the poplins pries most have been your outstanding!Mance III tut.Your aspect,of tie maul Ice:of charge does riot mom the.Sal.10Oto:Nether of Mese am necessary S your prelims was . illeo our righa to dose year ACemlm trd to amt your right m nuke transaction an based an an acvenuamen:we mai led to you,or it we awl the company twat your as mum.It your ASOUnt 0(.101ed by you or us,meet cor ttnue to impose the sold you lie goods or servees.l mud fm alder deign endives pay your misa0dfio oata,cc in full and terminate 2 000 must have used yaw mail card for the purchase Purchases',Metier • your Account rdatiorrchko. • ash advances from an ATM or with a cant:that accesses ymm credit Tani Cakmalkn at Balance Sailed to Interest gout:to home your pencde interest• Account do out intlm croroat for ouch being cycle 5Aldn a daily penmen orals)ayyiles,we use Ih2 duty 3.Yon must not ysi harshly paid for tie purchase. demote meted(mc0ding current Irensadrons).Ta figure your periodic interest . earth t0'carat ninny cycle wren a monthly penult tenets)apptpa,we use me tat of tee Minna above ere mot and you me me dlatelsted with the purmase. average dally Wawa metWx1(Inctdne current transadbnst.Vii an rootanatioo or COrtacl us in voting M Customer Service,P.O.Roo 15199 Warrington,DE 20039024 either method.or Questions about a ptnicua1 interest creme caktatlon on your 19350.5209: a:atC'Ient,dense cif us at the tattle.:=forum notice phone number listed shove. Write we Investigate the some rules apply to the dsMned amount es dlsoessed We calculate periodic Alto-es:eharpes.using the amicable pededlu rates shown above.Ater we finish our investipalion,ere wit tell you our decision.Al that point it on this statement,sensately Its each feature leg.,balance teen*,checks and we Throb you ov:e en entrant nod you do rot guy we may rtcnet you m del flown t1,A6291010 Statement Date: 10/03/10-•.11/ 1 0210 Account Number: 4266 8410 4102 5147, ,• • • Page 2 of 2- • INTEREST CHARGES(CONTINUED) ._ Your Annual Percentage Rate(APR)is the annual interest rate on your account. Annual Balance Accrued Balance Percntage Rate(APR) Subject To Interest Interest Type 31 Days In Cycle Interest Rate Charges Charges Promotion 5.99% $1,693.46 $8.61 $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. 20039024 This Statement is a Facsimile -Not an original X 0000001 1FS33338 0 12 000 N Z 02 10/11/02 Page 2 of 2 06598 NIA NIA 27551 30610000120002755102 is 20039024 • Payment Due Date Nev Balance Past Due Amount Minimum Payment . 11127110 $3,386.86 61,210.00 - $1,379.00 • Account number rlF tom?5147 t!. Make your check payeale to: . ' ' Chase Card Services. - Please write amount enclosed_ - • •New address or a-malt?Print on back. . . y ,5147001379DDDD3386860D0000000D00001 27551 ar:XZ.30870n 11lilIlillul111l11 t1i li{11111inrll{rlrl11r 1InIt11111Irtl{ril RICHARD J RYAN 124 SUMMER(T4 CARDMEMBER SERVICE ENOLA PA 17025-2188 PO BOX 15153 WILMINGTON DE 19886-5153 {url{{r+t{{{une{r{t{tlnrGlur{{lull{nlu+lt{tlu{flru{ 1:5000160281. 203101110251478il' Slate' Manage your account online: Atltlttiohal contact information horn CHASE ,au cnasa.com!crearcards conveniently located on rename side ACCOUNT SUMMARY PAYMENT INFORMATION Account Number :, ' „ ;?5147 New Balance $3,386.86 Previous Balance $3,435.45 Payment Due Da a 11127/10 Payment,Credits $100,00 Minimum Payment Due 61.379.09 Fees Charged +$25.00 Late Payment Warning: If we do not receive your minimum Interest Charged 1526 41 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 e New Balance $3,388.86 maximum Penalty APR of 29.99%. Opening/Closing Date 10103t10-11/02110 Minimum Payment Warning:If you make only the minimum payment each period,you wi8 pay more in interest and it will take Total Greif Line $4,200 you longer to pay off your balance. For example: Available Credit $813 Cash Access Line $840 If you make no You will pay off the And you will end up additional charges balance shown an paying an estimated: Available for Cash $0 using this card and this statement In tot,i of... each month you about... pay... Only The minimum 8 years $4,172 payment If you would like information about credit counseling services,call 1-866-797-2885. The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly.As a result,your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help,but you need to cap 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 $Amount S "y`.'fif iliSM ts:,c� 4.Aw=x^''�$r �'F VAON D-`1 =r' i s-=`: y -G' R';.. T„za T- Y F"'2 ss r n 4: ti;.,S,�..a x.J3- �2�5`�a�.,. .5,r'��._ .atni,"�.t-�s`.u,�L-.5���,,.".,u, _. ss,u fi.,;>. 10/19 Payment Thank You Electronic Chk -100.00 t. ,:r .Y..=hi.,,=r=,r :f,•53:.. ., a4fr� .h4x.,.-,,.. .. €,.,::rv"L t.ating.falaP:.,.... ,r .i.",r,. 10/27 LATE FEE 25.00 TOTAL FEES FOR THIS PERIOD $25.80 t t ?;x¢y _<ct r.n, ;'>...rigr."s...sl..'��illa ^,E OTP 1°.?,.e rrm;m..�'£3.:,'aic,x-7`- i^t,:^e:..: 7 gniE„`:W`,r», 11/02 PURCHASE INTEREST CHARGE 17.80 11/02 PROMOTION INTEREST CHARGE 8.61 TOTAL INTEREST FOR THIS PERIOD $26.41 T{r 43« tti:4 i; #gate `°?t yl ""$f: :2 w.'��tr'-� �:r...a\,3'i an cot.�vo 4 Z«z, ..�,Y�.-f�.,....z�x-.:it7i','�"-�r Total fees charged in 2010 $309.00 Total interest charged in 2010 6256,69 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 2003902Type 31 Days in Cycle Interest Rate Charges Charges urchases 1224%tv) $1,712.02 $17.80 $0.00 Cash Advances 19.24%(v) $0.00 $0.00 $0.00 Balance Transfer 12.24%(v) $0.00 $0.00 80.00 This Statement is a Facsimile-Not an original X 0000001 F1030338012 000 N Z 02 00111102 Pogo 1 of 06508 MAMA 27551 30610000120002750101 • Address Change Request - Please provide information below only if the address information on front is incorrect. Street Address: --__----- _----r--� City: State: ____ Zip: Home Phone_ _._—_,_ __—,._ ,__.___ Work Phone: --- __— ---- E-mail Address: To service and manage any of your account(s),we,our representatives,JPMargen Chase representatives,and+or afiliates.may contact you at any telephone number you provide to us. Please refer to your Cerdmember Agreement for additional details about the use of your personal Information andlor visit our website shown below to provide us with additional contact information. To contact us regarding your account: By Telephone: 7 ,c--cs „fa-,f In ll.s. 1-800-945-2COO Espafiot 1•888.4463308 Send tnqutries to: Mali Pa ments to: Visit Our TOD 1-800-955-8060 Webslte• y - Pay by phone1-800-436.7958 P.O.Sox 18298 P.O.Box 15153 vvwro;r Chs s,comicr p Outskse U.S.call collect Wiimingtce,DE 188505298 Wiinllnaten,DE.19886-5153 1.302.594.8200 ewe intimation About Yaw.Account Las,advance checks Pt,,ck i/o.an bon•M1:pi:c.ra•,er.,tent nue I.ore_ .ca.h EMS a:.nnru,icons/nibr beum:eh m asetdratf JIk1'n&".r. tress rak`.t1LaiOre ru Crediting of Peyote oft:/oil nod rape pxf!0nts by an a+the op^:its IKte^-Stour. c1r:lbi;x 9iffa ant.'R`pg(lees 'ttro sxcic JruG{t fatty:Uasubi,rata:tutu oars beenedmic Tr?4mw�tltel yu;n cayrnant snau''f ai 1462'1 yeit l'Wili it r°Y4°44'14 pa'u5!e Mtn t,':e merest:taco}en the Prince Rate for seen Indev aubrited r year Record in i).'4 dCCars and Arawn 9f:rya bir thrwgh a to;'•1:r2+4ia1 insf!tu9r✓:m the:IS' Agron.:rui t,.There iu mint mUminicreSI c a:ge 015114{Or Zarb u i u aeeariimo Wool or torsion Vtallcinl!181:t:air. r.ri?il'A;Gr,41:11 A&!rnr l Ie and til g r0G?id WW1 y e odd ern'Oviodie YDn tndY wo,4ayrnenle ty rnJ iur C.S.nt h cp,1d Your payment tot a Pxyrne rs lettreny edatoci.soda narsa:thn ace to,sac/r ueuar tr<a:r ;Cr advancr..el tdr'evs sllcl'•n al:ns Y.US'n'_•n.Yoar;lat!ixaxs L^1 x.119 m s+r.re.ty v:'.th sV chuck lraasasliw.,ir.f'.s encanis staled in y,m,Ac!;mr-:!grxrimrt.as it may be instrobliscu al IRS OISAlfiur,Do no;eala cash.Virgo yUUT Aseguo1 mmlbef on lomzlsdaA.'^s c:+e f:rait't;ersastiofl inr of 3",of the Ir••Aaiinr,- t b+orgy your shock or medal ore or.a'a'j:n.nia must ire gaampaninU by a:0 paynnnl Bosom W!e:gn IranE,1GI qn(Or WO::Mou.^.I duedebed in your ARCVS Agleenredlt, in the trncrr rosined;tills nor r e,Eg=SEP.>at ihmutn tn39!:va pe v,in.LO;:ib? Hun•io fa[i Fn;le IAgresti GP?W^'e;pis begin asserting ptr+o",in:inured envekpa 0armat:z)d4'sir mEm th<l±oS,OT'rnt"- p9POd:an;l 5 ,Gan Le na Charges on imM14actan.fee,e:mterrst nhartro tram t:leoiten it eddedt h+an 12,114 Marne&paper ends.mpc n'riengeondenr;trey::dre 10th ye;:r See'e!ted.1f lout baer!se unl:l yD1r A1c0uni 15 par3 in'.n('.zs'"ec'a;':ibPd b!y1y;n Attonrt tignemar. 0,W°' 2e:7rdalcs utlP ouT(NYmanS Stu cflalt ar!p Ip ft"'siIIauu to Im ywrr Me Ade CA;::e a r!+ini;otni dt 21 A'sys tu!5rw:lg the che?E or ea:::i bidet.;u'rta, ."1;thy try .tn01.1". tnleal au ral"pris ON'rrs a. "":"11"."'l 1%AI rxoauu PC:»r.:;1:ularES:usurgas OnOtt pnorfu'ras whim thee ere ti.:I:all ::'Mf.a t.st n''y a'n1 tnyorr Arrr.tot SO ui-?u>•Car.if suits tryrarot try-rot t,le anrnrntmre W.tAaenfvnt as deacluwd lrola>r,but this does art Spots„;L'e'a^ea ua;!ri n wan cur payment insntciens,aid is mood der able m us erer 5:00 p.m,total rime coal adcnncos nroVlydralf a+vanc.,'!you rm•^ t A„e emrrninamry e'�t:;mrtt that t1 thg c !a addend/on V.5:;aC^M1C!.hC sfil chute c ycesr Artbual as rb n H9 t5 rEv;p9n:aa?5 46'1 meka a 911 rust calendar day. 057n0Fnl lnnt se?i?etil'e Cy.ISE di:asp fart Iht Minimum PayrM:is due tor that HMktnept.toe yell pot charge Oar ndiu Interest on yes may wont aaymtelmeks:ronrcz}thvaghourxretentattown on this statement arty i>niifI aIhOsit rwr aureiruSts nz1 vie alw°zn such pays rt try.no An;es 11 I:v»Y,^.reire'•t0:1:dptnplenal tnA::ng ai nlf a 5U;?ny$.p.m.Leltem rim.nn yAl yet/cyr+ent Slalenuul also sa:;e's Rut we ree,,i,put tsajme=or Isle outing levasr• 41411.1 your DRyntnE:ns of MI:day r rK^We?north/Art SOO,x p.m Eastern for yJr:rprtr'cFS ri^etn55tuorient Ce'f i'_eats,arui AM NS ahlAimu'n Prpara., Time,we wi credbywr:rhymed adotttw next salesda-day.i'you sDecHy:.tatore aoa OR Iha"the ettn4 anion far your prsvits mpatliu referent t0a^;tole.It Rafe In year room sac wa are1R year p.if Th,ii us o+;hat Ay.. you lave a&dime oesr tir:n a eurdusa!+Store and the tm!a:Ee amiss a nigher W:riMih T:l,tst rate,YOU ruts MO be:bit Li arc1A msiledt axe:rat r^:a:g4s nn nrw !IX a11ot-:i payrientu G:tor"en•gadmcd tie>^,,--g;theo tp;xwiir:;leu Li rut'ohm as, p0!:h.ses.ii yo.udia nor par Your byinto ii tali ears 019 as,decease we aeme4111. a•me:e clsauc.ans,erHi.^.rig of V'our;;re!n:s nun ar.lainehu+r:r up tr:dz"ys. tI!rat,i'aynablslest!u in:tnIan.:t me,Sif.S1 cep, Animal lntu,meliun Repartee to credit Bureaus:Kb Iraq trice!irlortichan Edna: Mal To Do 8 Yoe Tbink You Flint A Minna On Year Weeded your Arum to i:redit wrists Lure:r yr:r-*115.rat sans:fslyME.l:ts or n:;f defaults m pan turn:nrt maq 11<rrrjl.,rlr.!in rtrm rn':dtl re{rnn 9 y,u!hillk'lN'have repo Yea) 1 you Mink there is an error am your rYut men?,gado,to to On a rrr m':o t^eet at iovvloVI2 i:1rf.T.e:Iau1.-F.medil ill"Iaaa.yW,naytts<:iitll infitideSaddroas CUCto+larGsrsice.PO.tot(5293 V.itreingto.^.,DE 1RE•'a0tt225 shown on:hts shhnrerf in TeX,hoist.glvv-ue L'th trilot!Ina in6Dmahln: to Senna and Venn Any atYour Aswanf(s):Wv,a!a mPtmrntnthees JP/Just Doris rearedentht ees.error Attires,any e6tia:,yon at any berme ntlster •AIXnetn tr:Jm{Att^C:YDUt'n3r10 And Wert rni9111fC you pv.iuo to VS Pp3se rotas toyo;'=03rd!^,,,her 4grxma^t b•aeoiaona!details •DnRar at:udi:" r Saar Of lilt 5Epe7t1 en t bolt:Cat bS at ydar derSfn21:1?o'iiat!On .D2ss Ipben of priMibm:II you think there is an error on!v,r b.r:,Morin Nutico About ClodUxna Cheek Gateman,:Whin you R^,'t'y osetk.you authorize wtiet you believe Is woo end nets yue64:1+.:'1 is s a me.ak 05 e:lpar Ia Use?ere n.a:ion tun moss duos 1:nu*3 One-!ale O/rOMS fund nester 1 we your antra W re west:rs serrrali Sr a cneci:corlsedco.Men Yra,mast centect as witn?r G0 tlay-1 mM1:r iho Cr.r appoarein or soar samrort. sre 000(0 114(011111,;you Oda to Make 3r;si1c09(0 lord+11011,14x,101 iS may 000 0,10o.0 us c my Dow an:elflrf in'wane,.yea may car 01,11110,I y'x da de ha:ltrl iaeo hnrr pot axxm as.auto:0.'4.sarle.drrc ns samba you/minima. seal.a Ixr:required eO irwstry;gh'31920411tio„or&hC':9e 01001 ha.is;ar lh4 old M,1440 not renew'a(oil c:re10.1119!4046 ytkl•0:10109 mw:lotion-CA Io? t C"Js:eth er 5errl0((001De1 c4 1'r¢010- 10Yl it you Have 000011 V 110 090111 etect:l'ric amdltm t:".C:Ir:?Lan. cat*cd1caon or no not want yens caymans eases a nestrofticelly. ante 0te(0t10r:9011 011010 9 Or na!U.l11001109 xn Buy,1909901,otkin0 its toe: Cn11di1tona I Caymants:00::11mern awn.I1 ride nars at Payment Ind y'an Send .WSta^risttrylo CCM,1(0 MUM 11CLC0100 Cl renvmy10.02014/09/et on IM Icy1305 then one tollha!aneC dor Molls.T,a&eO 9al110(1AP•Or 00:001nst similar i ha!amount:. 110Ul0n.or loll you o-200 i1!tends!IR 10(1<-alrlalior el a dispule01 amount. •ttv`u\'1rgL lto gar'd'yn 41014 n:R�lin:T.y:NR 9initl:`sni,tot we n: 7Y frost on sat to Card Services,F.G.Res 19018.+t,+kmingim 07.1Mo-sues vie y troy Si:1 on, -wows 4 1 rht,monodic duns rr y e.s g.'r 1.14"m.imm:7.47r.s no t.r1,"r0 Yet 1.19'an uL1!rtnarn:DE:, In rmr.?tar we made a v,.,a Aired. any stash o1r.Gt»:^.cr ,9 91 any,thnr a7ArM,we 0119 1009 I k6ke:Yc 1 I rot hero to Fay ti+t amnia b rtu 011 or any ix:est a 914 0100(0113 009 301 alp owe orgy r11i 040.:rk,(1031901.Wa m:r(refuse to 0:40p: miffs Ira rp'ytf.G!^bat 46000011. SIT/0:1111 Dey1.rt 3y ntteNog N,1C ycu,001 slanted it or(1111royine it Ail 91911 .61(410 609 467 1:9100014 to{pay llO am 1;rando9 10 pro re 03910001%that yw m391 angst:by ten:10 t1e toot:Pay"0trt mamas shown on 1 Y: Mai Me h:t the rcr9amc?r el your balance, his stater:1M •ter cOn a;ply 3 0191004901100101:141000111 1300.91096 y,1901 Annual Renewal tlM3cn:n yew Aaron A4;..e:r:n!1101 zn 003.:al metnIr11 Oar ha 0nd!mrmilarc;rlgeiwius/r1100lu:210:labplryaf yrrua.xnnt.t:u11 Ca oi1o,o1p3 1 Wan Clans It ool Are 01aea1111101 Wtth Yaurtreatt Cotd Pu:hues yrormin omhlyog..ntrcy s'a1.^.>e is Th1'`°.rr.q+ch a"o.0ed 011111er ,t 1 etaa0011I 41n1 be goatso.,8Y:.nt11 yes nano ClrektYOn(I:ouor dr 1,0;M( ydnr drawn.roc'at aid k N hmN btn Tice 2L'an eu-,h 1ev:yry,Kw,:and in goal f„Ra totooaEl flit 971'10- w:!ir dmmin,sS:rS fee and charge arc•nm r•tu.deb"e tram ve9 oddly as that 01 r wish to cics,pet yon may Ante the 1410 nhtID Day the remanunc am:;: ^_txs x'da'.310113 0 :Czarl:Czarist with•A'w:tan Cr one aotay)r Li snechewts Iu lets•star we erindaa rn2 00(11nar1 On010011:s annual:eo ar0(09110 is 11:IIas arm a11(0same 0:na.younai' TOdSeih!o1911,01i II ifle 10110100191!ne1190: gait O(1tltOltl1g be27f In 100 ayes de bra.tor a c10 0%tan 01010 often 100s -+00019&14 60401 a:s.I^.319rl1 admix 11;g!ge,yen alp 354 4,X2 the'f1`.i Seirnt 121;,rgs. 1.'dui mews.IiMIRI taws hos,to:id6:opt,twos ooei,aY 3•it0.0117[IL!C5 hero.+%pan LTlac stu(g s ere 1u1 re >.0 t t o40 own be ore as pill of Flaying n,yens c' e.1; .1 ass end bus:. ?:ass prix nu eaa been lull aa.Istamtl a holes,.;.t tie.Yost r r.mat H 1,40i I±r n•rt»rge dtm<:x1 MVOS 11111 e a"410 0.0910-M TAM WS 04900_r r'yo:r(x•101.se-rs r1Iin nn oigalt 1.91,15e;TM 0r_lati o l'Arri:yn,:r3htar a".4611 annsa0ion;,nl based to ae a?191(Eecent Ad waded 60 MI:01 it we et^.^.Rte G,<..po. hat 0OUr Atone ad II your A174ntd6(00(11by(26011$,0110:l)COr'iratt to;:119020 the 11010 you the good:,or oonv■cr&.) bmobal feew:Ain odu:pound'you ray yaw 01100 ,di:Ill Magee l xral:and 00101:r:ls 2.You 111404 new:SCdtour Era9l card forlhe nurohasr-.Pur„n,0T.F.rr;I,.0i0; your Ammar re1•tlmtsNp" • cash etwooes Isere ac ATM ar with a sheet Ito accesses god,:na.cvd Acceam in no:omd:, Cnipulallan M Bataan SnA)eel t0 IatCMtr Amp:10 fltni1 war ner;,iRl:^.101011;<_( +Y 110,000(a-eaer,ruling 3{110100000 deb 0 00 1 11 9 01 r010111 x00010.we:rye!n:nay 3.Woo!SW rm 00 hatelane,pall Oar1'1c 110911'0. !iet,;a 110tl:nd(:001.409 entreat 9alnasi cans).-a 59:;:v.you!914104(0.a,la:r 1 elwayo for 1st hii:ing tab 11'ktn ry marina eat.*m31(0(901090,we fir✓,1h1 if 11 r,es retain 0lo ra:':m:n;r and you nth:pot dlwdlJ7lied Y11th r,'0 001:0100, 20039024 ;scrag:doily Want- thOd(I1r,10GM'.p:u:!CV.t imosac0009 Oar;,?explode+of costars us ha writing dl Centric,Sartre.0.0.Soo.1102.71 Vl6alroitoir, 41101'11109109-o:g'u:+o1:On0 Shen(p P 71iOolstr•.lcrfs:100100 4010.1,1000 on your 19E501121A cabs 010 please Gal uE at;to ter tatx't.ecnn1'ser.''r:phon narobtr Iis1Gd obese. Woe we irvcsttg:a^.,du sale rain a¢F•y 101 tt d:anotut art:nl:Tt S,Ids^,Ou;At 140 00101011 perk3513 1110.08!1X01(01.Ming 900 ago/sadly lathodi0 rates 0(0Wn above.Arles rte 110101,00,I^:000iiya!io,1,0,,no 00900 0ar990l0On.At 9411 OOIOL I: on the el011011t.Separ2100(30 each 040511E+?g.,00118(!Mantle,CheckS and too010199es 0,0 ar arn:;:lr(afIc ycu°or,pt ray r.*rl891 maxi 900.r,_oings:'.nt. MAR-29201D • Statement Date:. 10103/10-11102110 Account Number: " 7,;- ;;5147 Page 2 of 2 IINTEREST 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 Promotion 5.99% 51,693.46 58.61 50.00 (v j=Variable Rate Please see Information About Your Account section for the Calculation of Balance Sub enl to Interest Rate.Annual Renewal Notice, How to Avoid Interest on Purchases,and other important intorrnation,as applicable, • 20039024 • • This Statement is a Facsimile -Not an original X 00001701 fmS33338 D 12 000 N Z 02 10'11/52 Page 2 of 2 005110 MAMA.t&27501 30615300120002755102 • • • mamma EMIR MOWN 7. IMMO MIME smsmccim • • • • • 20039024• Verification Leni Greydanus,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. 'SEP1s2O1 Date 4e11. 0701;:dtallilk m Greydan= j OH 14 Wellman, Weinberg& Reis. Co., L.P.A Page-2 I�IIIIIIIIIIIIIII0IH[OIIIIIIIIII��I1 I�IIIIII I111111 11111 11111111111111111111111111 D111111 FILED-OFFICE OF THE PROTHONOTARY 2013 CCT -7 PM I: 143 CUMBERLAND COUNTY PENNSYLVANIA 13r 1 CERTIFICATE OF SERVICE A true and correct copy of the wi n Plaintiff's Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on day of 2013 upon the following: g Michael Pykosh, Esquire 2132 Market Street Camp Hill, PA 17011 By: Matthew D Urban, Esquire - ritir ( I� ! !'sllitJ IA i 7.O!3 OCT 1 PH I: II CUMBERLAND COUNTY PENNSYLVANIA Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykoshadplglaw,com Attorney for Defendant MIDLAND FUNDING LLC •▪ COURT OF COMMON PLEAS Plaintiff •▪ CUMBERLAND COUNTY, PENNSYLVANIA • v. • No: 2013-2841 • RICHARD RYAN • Civil Action — Law Defendant • NOTICE TO PLEAD To: Midland Funding LLC do Matthew D. Urban, Esquire Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Building 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from the date of service hereof or a default judgment may be entered against you. Respectfully Sub 7d, Date: pp— ` 13 /i 'hael J. ■; ko' , Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpvkoshadolalaw,com Attorney for Defendant MIDLAND FUNDING LLC : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. • No: 2013-2841 RICHARD RYAN • Defendant • Civil Action — Law DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT AND NOW, comes the Defendant, Richard Ryan, by and through his attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files his Preliminary Objections to the Plaintiff's Amended Complaint, and avers as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account assigned to Midland Funding LLC by Chase Bank USA, N.A. of which Plaintiff claims to be the Original Creditor. Am. Comp. ¶ 1 & 4. 2. The Complaint was filed on May 20, 2013. 3. Defendant filed Preliminary Objections to Plaintiffs Complaint on June 3, 2013. 4. In response thereto, Plaintiff filed an Amended Complaint on October 7, 2013. First Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 5. Pa. R.C.P. 1028(a)(2) allows a party to preliminarily object to a pleading if the pleading fails to conform to law or rule of court. 6. Plaintiffs Amended Complaint fails to conform to Pennsylvania Rules of Civil Procedure. 1 7. Plaintiff fails to state whether the Agreement between Plaintiff and Defendant is oral or written which is a violation of Pa. R.C.P. 1019(h). 8. Pursuant to Pa. R.C.P. 1019(i) Plaintiff has failed to attach a copy of the complete writing, more specifically the Loan/Credit Agreement, or the material part thereof, or, in the alternative, state, with the reason that the writing or copy thereof is not accessible to the Plaintiff and the substance of the writing in violation of Pa. R.C.P. 1019(i). Remit Corporation v Miller, 5 Pa. D&C 5th 43. Second Preliminary Objection- Pa.R.C.P. No. 1028(a)(2) Failure to Conform to Rule of Court 9. The Plaintiff is not the original creditor, but rather assignee of the original creditor. Am. Comp. 111 and 4. Since the Plaintiff's right to maintain an action as an assignee is predicted upon written assignment or agency agreement, that writing must be attached to the Amended Complaint, pursuant to Pa. R.C.P. 1019(i). 10.By failing to attach a copy of the assignment of the debt to the Plaintiff, the Amended Complaint does not comply with an express rule of court, in violation of Pa. R.C.P. 1028(a)(2). Remit Corporation v Miller 5 Pa. D&C 5th 43 and Capital One Bank v. Clevenstine, 7 Pa. D&C 5th 153. 11."Exhibit 1", which purports to be Bills of Sale, fails to identify Defendant's account. Third Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 12.Pursuant to Pa. R.C.P. 1028(a)(2), a party may file a Preliminary Objection based upon the failure of a pleading to conform to law or rule of court or inclusion of scandalous or impertinent matter. 2 13.Plaintiff's Amended Complaint is based upon a contract. 14.Plaintiff asserts a cause of action based upon an account stated theory of recovery. 15.An account stated theory of recovery is not applicable in credit card cases. Capital One Bank (USA) NA v Cleverstine, 7 Pa. D&C 5th (Ct. Com. Pl. Centre County 2009). JMMM PC Company v Patricia Stillwagon 2011 Pa. D&C Dec. Lexis 24 (Luzerne County). 16.Plaintiff in pleading account stated cause of action is not permitted to escape pleading requirements otherwise applicable. CitiBank (South Dakota, N.A.) v Xenofon Skaboulos, No. 09-8676 (Cumberland County). Fourth Preliminary Objection- Pa. R.C.P. No. 1028(a)(3) Insufficient Specificity in a Pleading 16.The Amended Complaint contains only a general assertion of the amount the Plaintiff claims is owed by the Defendant. It provided insufficient detail as to the date(s) on which the debts were incurred, the amounts incurred on each date, the dates or amounts of payments, nor dates of accrual and amounts of interest charges and other fees. 17.Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be included in a Amended Complaint of this type. 18.By not including the requisite detail of the account, the Amended Complaint fails to conform to an express rule of Court. Fifth Preliminary Objection- Pa. R.C.P. No. 1028(a)(4) Demurrer to Court 3 19.Plaintiff has failed to allege facts sufficient to maintain a cause of action for Breach of Contract and Account Stated. 20.Plaintiff has failed to fulfill the pleading requirements for an account stated cause of action. Sixth Preliminary Objection- Pa. R.C.P. 1028(a)(5) Plaintiff is Stranger to Defendant 21.Pa. R.C.P. 2002(a) required that an action be brought by the real party in interest. 22.By failing to attach a copy of the necessary writing by which the Plaintiff would become the assignee of the account and thus the real party in interest or an agency agreement, the Plaintiff has failed to conform with the requirements of the aforesaid rule. 23.Plaintiff has not shown standing or capacity to sue Defendant. 24.Since this matter was not brought by the real party in interest it must be dismissed. WHEREFORE, the Defendant respectfully requests that her Preliminary Objections be sustained, and that Plaintiff's Amended Complaint be dismissed with prejudice. Respectfully Sub ed, Date: (b 1 — 13 /<<,u a Michael Py I•sh-squire I.D. # 58:51 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant 4 Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpvkosh(a)dplglaw,com Attorney for Defendant MIDLAND FUNDING LLC •▪ COURT OF COMMON PLEAS Plaintiff •▪ CUMBERLAND COUNTY, PENNSYLVANIA v. • No: 2013-2841 • RICHARD RYAN • Defendant • Civil Action — Law CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Defendant's Preliminary Objections to Plaintiff's Amended Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Midland Funding LLC do Matthew D. Urban, Esquire Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Respectfully Sub , • ed, r)/".1ALid Date: 1 -- ��-- 3 J l; - Michael J. ,;yko" , Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant 5 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#20039024 MDU/SJS MIDLAND FUNDING LLC Cumberland County tn Court of Common Pleas vs. No.: 13-2841 CIVIL 25 RICHARD RYAN PRAECIPE TO DISMISS WITHOUT PREJUDICE z 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 111111 IIIII 11111 IIII 111111 hill IIIII VIII Illll 11111 VIII Illl VIII IIII