HomeMy WebLinkAbout14-6459 C MMOWWEALTH OF PENNSYLVANIA
COURT OF COMMON PLEAS NOTICE OF APPEAL
Judicial District, County Of Ct,�'1�QQ(�U FROM
MAGISTERIAL DISTRICT JUDGE JUDGMENT
COMMON PLEAS No. ILI— ///�
NOTICE OF APPEAL
Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District
Judge on the date and in the case referenced below.
NAME OFAPPELLANT MAG.DIST.NO. NAME OF MDJ
< -OLA
ADDRESS OF APPELLANT CITY STATE ZIP CODE
1 eff1�._.CJ
DATE OF J MENTmain rr !9y� an
`� I C_OA _. 1 L u 1
DOCKET No. SIGNATURE OF APPELLANT OR ATTORNEY OR AGENT
a� - - �-A t' �6L
This block will be signed ONLY when this notation is required under Pa. If appellant was Claimant (see Pa. R.C.P.D.J. No. 1001(6) in action
R.C.P.D.J.No.1008B.
This Notice of Appeal, when received by the Magisterial District Judge,will before a Magisterial District Judge, A COMPLAINT MUST BE FILED
operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty
(20)days afterfiling the NOTICE of APPEAL.
Signature of Prothonotary or Deputy
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This section of form to be used ONLY when appellant was DEFENDANT(see Pa.R.C.P.D.J. No. 1001(7)in action before Magisterial District
Judge. IF NOT USED,detach from copy of notice of appeal to be served upon appellee.
PRAECIPE: To Prothonotary
Enter rule upon F E appellee(s),to file a complaint in this appeal
Name of appellee(s)
(Common Pleas No. I 4 S� )within twenty(20)days after service of rule or suffer entry of judgment of;�L
4�� S ,,,
Signature of appellant or attor ey or agent
RULE: T C I�;appellee(s)
� pme of appe ee s
(1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty(20)days after the date of service
of this rule upon you by personal service or by certified or registered mail.
(2) If you do not file a complaint within this time,a JUDGMENT OF NON PROS MAYBE ENTERED AGAINST YOU.
(3) The date of service of this rule if service was by mail is the date of the mailing. -
t
Date: 11 5 20 t 1
1 Signature of Prothonotary or Deputy
YOU MUST INCLUDE A COPY OF THE NOTICE;QF �UDGMEq%,ftRANSCRIPT FORM WITH THIS NOTICE OF APPEAL.
The appellee and the magisterial district judgearwhYos+;.dffice'IthA�jgment was rendered must be served with a copy of this Notice
pursuant to Pa.R.C.P.M.D.J. 1005(A). S P _ r-
r4�t
AOPC 312-05 / ' 1 Le
J9.&- q� Gaya
COMMONWEALTH OF PENNSYLVANIA Notice Of Judgment/Transcript Civil.
COUNTY OF CUMBERLAND
Case
Mag.Dist. No: MDJ-os 3-04 Synchrony Bank FNA GE Capital Retail Bank'
MDJ Name: Honorable Kathryn H.Silcox
V.
Address: 5275 East Trindle Road Leonard Beish
j Suite 110
( Mechanicsburg,PA 17050 I
Telephone: 717-697-2201
Leonard Beish
1505 Louisa Ln Docket No: MJ-09304-CV-0000280-2014 j
Mechanicsburg, PA 17050
` Case Filed: 8/19/2014 i
Disposition Summary (cc-CrossComplaint) -
Docket No Plaintiff Defendant Disposition Disposition Date
MJ-09304-CV-0000280-2014 Synchrony Bank FNA GE Capital Leonard Beish Default Judgment for Plaintiff 10/13/2014
Retail Bank
Judgment Summary
Participant Joint/Several Liabilily Individual Liability Amount
Leonard Beish $0.00' $7,574.75 $7,574.75 i
Synchrony Bank FNA GE Capital Retail Bank $0.00 $0.00 $0.00 ,
-- ..,..._,_ _.._.._.._-...._..._. ._ _ _.___. _,_.. .... ..
Judgment Finding_ . —(*Po- st-Judg-- men^t) -in the matter of Synchrony Bank FNA GE Capital Retail Bank vs. Leonard Beish on MJ-09304-CV-0000280-2014, on 10/13/2014 the
judgment was awarded'as follows:
Judament Component Joint/Several Liability Individual Liabilily Deng2it Applied Amount !
Filing Fees $0.00 $160.50 $160.50 1
Costs $0.00 $7.00 $7.00
Civil Judgment $0.00 $7,407.25 $7,407.25
Grand Total: $7,574.75 3
ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH
THE PROTHONOTARYICLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF
JUDGMENTITRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL.
EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF.CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES,IF THE JUDGMENT
HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE
COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE.
UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A
REQUEST FOR ENTRY OF SATISFACTION WITH THE'MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL,SETTLES,
OR OTHERWISE COMPLIES WITH THE-JUDGMENT.
Date The Honorable Silcox
certif,y that is is a true and correct copy of the record of the proceedings containing the judgment.
Date Magisterial District Judge
MDJS 315 Page 1 of 2 Printed: 10/13/2014 9:11:05AM
Synchrony Bank FNA GE Capital Retail Bank. Docket No.: MJ-09304-CV-0000280=2014
V.
Leonard Beish
Participant List
Private(s),
Gregg Lawrence Morris, Esq:
Patenaude&Felix Apc
213 E Main St
Carnegie,PA 15106-2701
Plaintiff(s)
Synchrony tank FNA 6ifcapital Retail -
C/O Gregg Morris, Esquire
213.East Main St
Carnegie,PA 15106
Defendants) .
Leonard Beish
1505 Louisa Ln
Mechanicsburg;PA 17050
MDJS 315 Page 2 of.2 Printed: 10/13/2014 9:11:05AM
PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT
(This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeaL Check applicable boxes.)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF
AFFIDAVIT: I hereby (swear) (affirm) that I served
0:1\10
a copy of the Notice of Appeal, Common Pleas No. , upon the Magisterial District Judge designated therein on
(date of service)! 1- , 20 !LA , 0 by personal service El by (certified) (registered) mail,
sender's receipt attached hereto, and upon th,e appellee,
1-1, 20 ILA El by personal servic
sender's receipt attached hereto.
(SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME
THIS I () DAY OFI,)7),( , 201 Lk
Signature of official before whom affidavit was made
IS0Q1n --11-b\a-)4-
77 rtlo,ff official
My commission expires on10-r), 201(0
AOPC 312A-05
by (certified) (registered) mail,
Signature o affiant
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
Gretchen T. Giles, Notary Public
Somerset Boro, Somerset County
My Commission Expires Oct. 15, 2016
• MEA,LEA. vIIIRS....14:1 ASSOCIATION OF NOTARIES
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CERTIFIED MAILTM RECEIPT
(Domestic Mail Only; No Insurance Coverage Provided)
For delivery information visit our website at www.usps.come
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL RETAIL BANK
Plaintiff
v.
LEONARD BEISH
Defendant(s)
NO. 14-6459
COMPLAINT IN CIVIL
ACTION
Filed on behalf of:
SYNCHRONY BANK FNA GE
CAPITAL RETAIL BANK
Counsel of Record for This Party:
Gregg L. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
PF_PA_11 Cmplt Cyr Sht P&F File No. 14-18645
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL RETAIL BANK )
)
Plaintiff ) NO. 14-6459
)
)
)
)
)
)
)
)
V.
LEONARD BEISH
Defendant(s)
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 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, PA 17013
717-249-3166
PA 21Notice to Defend
Usted ha sido demandado en corte. Si usted desea defenderse
de las demandas que se presentan mas adelante en las
siguientes paginas, debe tomar accion dentro de los proximos
veinte (20) dias despues de la notificacion de esta Demanda y
Aviso radicando personalmente o por medio de un abogado
una comparecencia escrita y radicando en la Corte por escrito
sus defensas de, y objecciones a, las demandas presentadas
aqui en contra suya. Se le advierte de que si usted fall de
tomar accion como se describe anteriormente, el caso pude
proceder sin usted y un fallo por cualquier suma de dinero
reclamada en la demanda o cualquier reclamacion o remedio
solicitado por el demandante puede ser dictado en contra suya
por la Corte sin mas aviso adicional. Usted puede perder
dinero o propiedad au otros derechos importantes para usted.
USTED DEBE LLEVAR ESTE DOCUMENTO A SU
ABOGADO INMEDIATAMENTE. SI USTED NO TIENE
UN ABOGADO, LLAME 0 VAYA A LA SIGUENTE
OFICINA. ESTA OFICINA PUEDE PROVEERLE
INFORMACION A CERCA DE COMO CONSEGUIR UN
ABOGADO
SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE
UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE
PUEDA PROVEER INFORMACION SOBRE AGENCIAS
QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0
BAJO COSO A PERSONAS QUE CALIFICAN.
CUMBERLAND COUNTY BAR
ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
P&F File No. 14-18645
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL RETAIL BANK )
)
Plaintiff ) NO. 14-6459
)
)
)
)
)
)
)
)
v.
LEONARD BEISH
Defendant(s)
COMPLAINT IN CIVIL ACTION
AND NOW, comes Plaintiff, SYNCHRONY BANK FNA GE CAPITAL RETAIL
BANK , by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of
PATENAUDE & FELIX, A.P.C. and files the following Complaint in Civil Action, and in
support thereof aver as follows:
1. Plaintiff, SYNCHRONY BANK FNA GE CAPITAL RETAIL BANK , is a
federally chartered bank, with offices located at 170 Election Road, Suite 125, Draper, UT
84020.1 GE Capital Retail Bank has submitted documentation with the SEC and has become
Synchrony Bank effective June 2, 2014.
2. Defendant is LEONARD BEISH, an adult individual, believed to currently reside
at 1505 LOUISA LN MECHANICSBURG, PA 17050-7281.
3. Heretofore, the Defendant(s) opened a GE CAPITAL RETAIL BANK account
with Plaintiff being Account No. XXXXXXXXXXXX3127, for the purchase of good and
services. A copy of the agreement is not currently available. The agreement provided in effect
that Defendant will make minimum required monthly payments, and that if Defendant fails to
PA_05 Civil Cmplt Crdt Crd P&F File No. 14-18645
make those payments, the account will be in default and the entire balance will be due.
4. The Defendant(s) has/have made or authorized a number of purchases and as of
September 28, 2012, Defendant(s) owes $7,407.25 on said account plus costs. A copy of the
statement are attached hereto as Exhibit "A".
5. Plaintiff maintains accurate books of account recording all credits and debits for
this account.
6. Defendant assented to the correctness of the balance by making payments on the
account.
7. Plaintiff mailed to Defendant billing setting forth the nature and amount of all
charges made by Defendant(s), and the transactions between Plaintiff and Defendant(s) give rise
to an account stated, upon which Plaintiff has relied by continuing to extend credit to
Defendant(s).
8. The Defendant(s) made payments, but have/has refused to pay, and now refuses to
pay the balance due and owing on the aforesaid account in the sum of $7,407.25, plus costs.
9. By making payments and by failing to object or dispute the statements,
Defendant(s) have/has assented to and agreed to the correctness of the balance due on the credit
card account so as to constitute and account stated.
10. Despite repeated demands, Defendant(s) have/has failed to make the required
installment payments when due and therefore the full amount of the account is now due and
payable.
PA_05 Civil Cmplt Crdt Crd P&F File No. 14-18645
WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in
the amount of $7,407.25, plus interest as set forth herein from the date of breach, with continuing
interest at the legal rate thereon from the date of Judgment plus costs. The damages requested
are less than the maximum amount for compulsory arbitration as set by the Court.
Date: November 26, 2014
Respec lly submitted:
Pate & Felix, A.P.C.
PA_05 Civil Cmplt Crdt Crd P&F File No. 14-18645
JCPenney
LEONARD C BEISH
Account Number:
.$R7thY4 �A}iR�CbMtd:A§
56.434.54
$321.00
$327.46
$131.98
- Payments
+ Purchascs/Dchits
+ Interest Charged
Ncw Balance
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
56.572.98
57.000.00
5427.00
12/312010
31
Total Year to Date Spend
Additional spend needed to teach/maintain:
-ICP Rewards Gold Status.
-JCP Rewards Platinum Status•
.2 trips required in each calendar year
52,492.69
50.00
S0.00
Visit us at jcp.cons/credit
Customer Service: 1-800-527-7717
P.O. Box 981 131 EI Paso TX 79998-1131
Milf:biC4MiictiEh4`
Ncw Balance $6,572.98
Total Minimum Payment Due 5328.00
Payment Duc Date 01232011
Late Payment Warning: If we du not receive your minimum
payment by the date listed above. you may hove to pay a late
fee up to S35.00.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
:3 ;# Ci i ?z'JSt i
:t:!> :?btam ;;:;::;.:t31bti14#l43dz
:?tjid;bbotF tlo!Isla't `:<:;::t4fdfcd*dt:1
5ba ?ittKN i�st"
'.:50
:;:':•,�:
dyav K e;?d';
*1
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Only rhes Minimum
payment
10 years
510.898.00
If you would like info mation about credit counseling
services . call 1-877-302-8775.
:?Ck
Current Status: JCP Rewords Platinum
As a JCPenney Rewards Platinum Credit Cordmcmber,
you enjoy these Benefits:
-jcp.com Free Shipping Event(s)
-Special Savings Certificate(s) & Birthday Reward Certificate
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMBJT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. Sec reverse for retails, Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB.
Account Number
25% BONUS POINTS • 2:: ;ofptl 41btGI ; ;: 't ;::; : ;:�?tiy.� rcf;l;)60I3Oir'
WHEN YOU USE YOUR
JCPENNEY REWARDS 5328.00 01232011•
JCP REWARDS - EARN
CREDIT CARD!
111111111111111111II 11111111111 III III
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
FILL IN TOTAL PAID $
56,572.98
n- .nn
New address or email? Print changes on the back.
TATAI-TrFFFATTAAATTATADFDTFADFADFTAFFAA DDATTTAFFDFDTTA FTAAFATDATFD
P.O. Box 960090
Orlando FL 32896-0090
AADFDFDAFF-FTFFFITDDFTFFFTFFDTADTAFATATTDDTFATUTTTTDFATDDTDTTTADAT
5433 can 1 7 28 101231
PAGE 1 of 3
The JCPenney Rewards Gold 1 Platinum Credit Card Program*
The JCPenney Rewards Gold! Platinum Credit Card Program offers many special benefits exclusively for our JCPenney Rewards
Gold Platinum cardmembers, Including Special Savings Certlficate(s) and a Birthday Reward Certificate.
Please visit jcp.com/credit to learn more about the JCPenney Rewards Gold / Platinum Credit Card Program
Spend S500 or more on merchandise or services with your JCPenney Rewards Credit Card over 2 or more unique shopping days in each calendar year to
earn or maintain JCRanney Rewards Gold status. Spend 51,000 or more on merchandise or services with your JCPanney Rewards Credit Card over 2 or
more unique shopping days in each calendar year to earn or maintain JCPenney Rewards Platinum status. We reserve the right to change or cancel the
JCPenney Rewards Gold I Platinum Program or any or all of its benefits at any time without notice. If your account is not in good standing and/or you no
longer meet our credit criteria, you may be ineligible for the JCPenney Rewards Gold! Platinum Program and/or unable to take advantage of JCPenney
Rewards Gold / Platinum Program promotions. The JCPenney Rewards Gold / Platinum Program is available only while you are a resident of the
contiguous 48 United States, Puerto Ricoand Alaska.
Credits To Your Account: An amount shown in parenthesis or preceded bya minus (-) sign is a credit orcredit balance unless otherwise indicated. Credits
will be applied loyourprevious balance immediately upon receipt, but will not satisfy any requirements that may be due.
BankruptcyNotice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding la the following
address: GE Money Bank, Attn: Bankruptcy Dept., P0. Box 103104, Roswell, GA 30076.
Your Account is owned and serviced by GE Money Bank.
Hearing Impaired: TDD users call 1-800-444-1732.
CustomerSen'lcelQuestions: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to' P.O. Box 981131, El Paso, TX
79998.1131. Please include your account number on any correspondence you send loos.
Payments:Send payments toP.O. Box960090, Orlando FL 32896-0090 or pay online.
Notice: See below foryour Bitting Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, please write to our Billing Inquiries Address, P0. Box 981403, El Faso, TX 79998-1403.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your checklo make an electronic fund transfer, funds may be withdrawn from your account as soon asthe same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the payment stub), In your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353.0945 and notthe PaymentAddress.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
GE Money Bank P.O. Box 981403, El Paso, TX 79998-1403
Or, complete and mail or fax the Dispute Form found at
www.jcp.comtcredit
In your leper, give us the following information:
• Account information: Your name and account number.
• Dollar amount The dollar amount of the suspected error
• Description of Problem: If you think there is an error on your bill,
describewhat you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You maycall us, but if
you do we are not required to i wesligate any potential errors and you may
have to paythe amount in question.
Whilewe irivesllgatewhetheror nal there has beenan error, the following
are true:
• We cannot try to collect the amount in question, or report you as
delinquent on theta mount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that
we made a mistake, you will not have to pay the amount in question or any
interest or other fees related to that amount.
• While you do not have to pay the amount in question, you are
responsible for the remainder of yourbalance.
• We can apply any unpaid amount against your credit limit.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have
purchased with your credit card and you have tried in good faith to
correct the problem with the merchant, you may have the right not to pay
the remaining amount due on the purchase
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have
been more than $50. (Note: Nether of these are necessary if your
purchase was based on an advertisement we mailed to you, or if we own
he companythat sold you the goods or services.
2. You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that accesses your
credit card account do not qualify
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in writing or electronically) al:
GE Money Bank P.O. Box 981'403, El Paso, TX79998-1403
(wwv.jcp.comlcredd)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investiigation, we will tell you our
decision. AI that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
information About Payments: You may pay more than the Total
Minimum Payment at anytime. Mailed payments received after 5:00 PM
(ET) on any day will be credited as of the next day. Credit to your Account
may be del ed up to five days if payment (a) is not received at the Payment
Address, (b(is not made in U.S. dollars drawn on a U.S. financial institution
located in he U.S., (c) i5 not accompanied by the remittance coupon
attached to your statement, (d) contains more than one payment or
remittance coupon, (e) is not received in the remittance envelope provided
or (f) includes staples, paper clips, tape, a folded check, or
correspondence of any type. Under ordinary circumstances, any
payments made al a JCPenney stare will be credited as of the day you
make such a pAlternatively you may make your payment onliineat
the website adress shown on your billing statement, provided you make
your payment in U.S. dollars from a bank located in the U.S. Conditional
Pa ments: All written communications concerning disputed amounts,
including any check or other payment instrument that: O indicates that the
payment constitutes"payment in full' or is tendered as full satisfaction of a
disputed amount; orii) is tendered with other conditions or limitations
('Disputed Payments' must be mailed or delivered to us at P0. Box
981403 El Paso, TX 7 998-1403.
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about you to a consumer reporting agency,
please contact us at P.O. Bar 981402, EI Paso, TX 799981402. In doing so,
please identify the inaccurate information and tell us why you believe it is
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other defaults on your account may be reflected in your credit report.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance inciudhngg current transactions): We figure
the interest charge on your account by applying the periodic rate to the
average daily balance" of your accourR To get the "average daily balance"
we lake the beginning balance of your account each day, which includes any
unpaid interesfcharges from the previous billing cycle, add any new charges,
and applicable fees and subtract arty payments or credits. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle. This gives us the
average daily balance," which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero will be
treated as zero. A separate averagedaily bale ncewill be calculated for each
balance type on your account.
B. The same as Method A, except unpaid Interest Charges are not
included in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance.
D. The same as Method C, except unpaid Interest Charges are not
included in the beginning balance.
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the daily balance" of your account for each
day in the billing cycle. We then add the interest to the daily balance. To get the
'daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. Airy
daily balance of less than zero will be treated as zero, A separate daily
balance will be calculated for each balance type on your account. The
balances) shown in the Interest Charges section of this statement is thesum
of the daily balances for each day in the billing cycle divided by the number of
days in the billing cycle.
Balance Type on the face of this statement refers to the following payment
method: R Regular Charge; M=Major Purchase Charge; C=Commercial.
You can request to receive statements in Spanish by calling customer
service number al 1-800-542-0800.
01 DJ5433 - 7 - 11/022010
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone numberonyour account, you consent to GE Money Bank and any other owner or servicer of your account contacting you about
your account, including using any contact information or cet phone numbers you provide, and you consent to the use of any automatic telephone dialing
system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below.
Name
Street
Address
City, Stale,
Zip
Phone I
E-mail
Home Phone If Business Phone A 'Cella or other phone ft we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive spacial offers and updates.
viz claiborne
claiborne
classics made modern...current and marvelous.
now exclusively at JCPenney and jcp.com
•X'• ft0.d155ti11$t14440M :::: i ,: r E: : c ::3::3; r rr ::;;;; M:::::::; :: ::: :: ::::::: s:::M=:: _ rrr::::: :
12/14 P91 I900PO00XTYVV6 PAYMENT - THANK YOU
12/17 P911900PHOOYJTKJ2 R CAPITAL CITY MALL CAMP HILL PA
PILLOWS/MATTRESS, ADULT MLB
MEN'S ACCESSORY, BIG/TALL SPTSWR
12/18 P911900PHOOYJTMYW R CAPITAL CITY MALL CAMP HILL PA
INFANT DRESSES, INF/TD SLPWR/RBS
4-6X TOPS, TODDLER SEPARATES
GIRLS RELATE SEP
12/18 P911900PHOOYJTN IP R CAPITAL CITY MALL CAMP HILL PA
CUTLERY/GADGETS, FOOD GIFTS
SEASONAL GIFTS
1224 P911900PROOY2IZHG R CAPITAL CITY MALL CAMP HILL PA
BIG/TALL BTMS
FEES
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
1201 INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
Total Fees Charged in 2010
Total Interest Charged in 2010
$25.00
$1,599.36
Amount
($321.00)
$99.41
$92.87
$38.58
$96.60
$0.00
$131.98
SI31.98
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA
NA
26.99%
23.99%
$265.86
$6,178.25
$6.09 E
$125.89
E
iQ°iidtn 'i •.
JCP Rewards - As a JCPcnney Rewards Credit Card member, you are automatically enrolled in JCP Rewards, our loyalty
program) Earn 25% bonus points when you use your JCPcnney Rewards Credit Card.
Monitor your Account 24/7. Enroll in free eServicing atjep.com/credit and take advantage of the easy way to: view recent
transactions, check your balance, update personal information and much more.
JCPrewards
Earn 50 bonus points on your first qualifying purchase of the following
exclusive brands from January 1 - January 31, 2011:
Women Mens Home Kids
Swim Wear
Active Wear
Swim Wear
Active Wear
Stock Up White
Sale
carters.
All bonus paints will be automatically added to your account and appear in your next JCP rewards monthly e -statement. Bonus points are available to
JCP Rewards members in the United States and Puerto Rico. Bonus points apply only to the first non -clearance purchase made in each category listed
above between 01/1/11 and 01/31/11. This offer is not applicable toward previously purchased merchandise. This offer can be combined with other
offers. No discount code is required at checkout. Other oHers/discounts, taxes, duties, gill cards, shipping & handling do not qualify for bonus points.
JCPenney
LEONARD C eeVisit : at 800-527-7717
Account Number: Customer Service: I-800-527-77 ] 7
P.O. Box 981131 EI Paso TX 79998-1131
..:::::..........................................::..::::..:::..::
56.572.98
5330.00
5235.59
525.00
- Payments
+ Purchases/Debits
+ Fee Charged
+ Interest Charged
$138.17
New Balance 56.641 74
Credit Limit $7.000.00
Available Credit S358.00
Statement Closing Date 01/310011
Days in Billing Cycle 31
Total Year to Date Spend
Additional spend needed to reach/maintain:
-JCP Rewards Gold Status.
-JCP Rewards Platinum Status.
`2 trips required in each calendar year
New Balance $6.641.74
Total Minimum Payment Due $332.00
Payment Due Date 0223/2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above. you may hove to pay a late
fee up to S35.00.
Minimum Payment Warning: If you make only the
minimum payment each period. you win pay more in interest
and it will take you longer to pay off your balance.
For example:
::< yce ;iake n8 is
'dfE b digit: 4*.
ii ?> t;I:8...st11b,.,ltr1filfll'b4
E< Y,.be i lt3! i;Ki:
l3iC; hII tk6:' �::'
;
: i adjo?x: ?ilE ai�k;»
t LJ?1??i' Jki?$'ri i i
;:;it ddi6i1:tiiF�Yi;i
Only the Minimum
payment
10 years
S11,050.00
If you would like information about credit counseling
service , call 1-877-302-8775.
Current Status: JCP Rewards Platinum•••
Requalify for JCP Rewards Platinum status this year
and continue to receive these Benefits next year:
-jcp.com Free Shipping Event(s)
-Special Savings Certificate(s) & Birthday Reward Certificate
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB.
JCP REWARDS - Earn
25% BONUS points
when you use your
JCPenney Rewards
Credit Card
1111111111111111111111111111111111111
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050.7281
Account Number:
;otn,2;f�jiijl;Qi2"?"'
5332.00 02/23/2011
$6,641.74
FILL IN TOTAL PAID $ ❑
❑.0
New address or email? Print changes on the hack.
—I
ADFTDDFAAATAFTDDFDAFDADAATDDTDDTDDTFDFAADFDDDADFTAAFFITTDDDFTDDAA
P.O. Box 960090
Orlando FL 32896-0090
FADFFAD I FI FATAAATFTDADTFTFFFTDTDAATTAFDTDAFAFFAFTDDFTDADTDTATADAF
5433 AIH 7 28 110131 PAGE 1 or 3 9119 0200 0175 01DJ5433
The JCPenney Rewards Gold 1 Platinum Credit Card Program*
The JCPenney Rewards Gold 1 Platinum Credit Card Program offers many special benefits exclusively for our JCPenney Rewards
Gold! Platinum cardmembers, Including Special Savings Certlficate(s) and a Birthday Reward Certificate.
Please visit jcp.comlcredit to learn more about the JCPenney Rewards Gold I Platinum Credit Card Program
' Spend 5500 or more on merchandise or services with your JCfenney Rewards Credit Card over 2 or more unique shopping days in each calendar year to
earn or maintain JCPenney Rewards Gold status. Spend 51,000 or more on merchandise or services with your JCFbnney Rewards Credit Card over 2 or
more unique shopping days in each calendar year to earn or maintain JCPenney Rewards Platinum status. We reserve the right to change or cancel the
JCPenney Rewards Gold / Platinum Program or any or all of its benefits at any lime without notice. If your account is not in good standing and/or you no
longer meet our credit criteria, you may be ineligible for the JCPenney Rewards Gold /Platinum Program and/or unable to take advantage of JCPenney
Rewards Gold I Platinum Program promotions. The JCPenney Rewards Gold / Platinum Program is available only while you are a resident of the
contiguous 48 United States, Puede Ricoand Alaska.
Credits To YourAccount: An amount shown in parenthesis or preceded by a minus (-) sign is a credit orcredit balance unless otherwise indicated. Credits
will be applied to your previous balance immediately upon receipt, but will notsatisty any requirements that maybe due.
BanktuptcyNotice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding tolhe following
address: GE Money Bank, Attn: Bankruptcy Dept., P0. Box 103104, Roswell, GA 30076.
Your Account is owned and serviced by GE Money Bank.
Hearing Impaired: TDD users call 1-800-444-1732.
CustomerService/Questions: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 981131, El Paso, TX
79998.1131. Please include your account number on anycorrespondence you send to us.
Payments: Send payments to P.O.Box 960090, OrlandoFL 32896-0090 array online.
Notice: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, please writeto our Billing Inquiries Address, P.O. Box981403, E I Paso, TX 79998-1403.
Purchases, returns, and payments made just prior to billing dale may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same
day we receive your payment, and you will not receive our check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment with the payment stub), In your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353.0 and not the Payment Address.
What To Do if You Think You Find A Mistake On Your Statement
It you think there is an error on your statement write to us at:
GE Money Bank P.O. Box 981403, EI Paso, TX 79998-1403
Or, complete and mail or fax the Dispute Form found at
www.jcp,comIcredit
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error
• Description of Problem: If you think there is an error on your bill,
describewhat you believe is wrong and why you believe itis a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You maycall us, but if
you do we are not required to investigate any potential errors and you may
have to paythe amount in question.
Whilewe investigatewhether or not there has been an error, the following
are true,
• We cannot try to collect the amount in question, or report you as
delinquent on that amount.
• the charge in question may remain on your statement, and we may
continue to charge you interest on that amount, But, if we determine that
we made a mistake, you will not have to pay the amount in question or any
interest or other fees related to that amount,
• While you do not have to pay the amount in question, you are
responsible for the remainder ofyourbatance.
• We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With YourCredit Card Purchases
If you are dissatisfied with the goods or services that you have
purchased with your credit card and you have tried in good faith to
correct the problem with the merchant, you may have the right not to pay
the remaining amount due on the purchase
To use this right, allot the following must be true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have
been more than $50, (Note: Neither of these are necessary if your
purchase was based on an advertisement we mailed to you, or if we own
thecompanyt hat sold you thegoods or services.)
2. You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that accesses your
credit card account do not qualify.
3. You must not yet have fully paid for the purchase
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us inwr!ing or electronically) al.
GE Money Bank P.O. Box 98'1403, El Paso, TX 9998-1403
(www.jcp.com/credit)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our im2sbigation, we will tell you our
decision, At that point, if we thinkyou owe an amount and you do not pay we
may report you as delinquent.
Information About Payments: You may pay more than the Total
Minimum Payment at anytime. Mailed payments received after 5:00 PM
(ET) on any day will be credited as of the next day. Credit to your Account
maybe del ed up to fire days if payment (a) is notreceived at the Payment
Adress, (bblyis not made in US. dollars drawn on a U.S. financial institution
located in the U.S., (c) is not accompanied by the remittance coupon
attached to your statement, (d) contains more than one payment or
remittance coupon, )e) is not received in the remittance envelope provided
or (f) includes staples, paper clips, tape, a folded check, or
correspondence of any type. Under, ordinary circumstances, any
payments made at a JCPenney store will be credited as of the day you
make such a payment. AlternatNely you may make your payment online at
the website address shown on your billing statement, provided you make
your payment in US. dollars from a bank located in the U.S. onditional
Payments: All writer communications concerning dispute amour s,
including any check or other payment instrument that: (i) indicates that the
payment constitutes 'payment in full" or is tendered as full satisfaction of a
disputed amount; orii) is tendered with other conditions or limitations
(Disputed Payments' , must be mailed or delivered to us at P.O. Box
981403 El Paso, TX 7 998-1403.
Credit Reports and Account Information: If you believe That we have
reported inaccurate informatbn about you to a consumer reporting agency,
please contact us at P0. Box 981402, El Paso, TX 79998-1402. In doing so,
please identify the inaccurate information and tell us why you believe it s
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a cop/ of that repot. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other defaults on your account may be reflected in your credal report.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance Including current transactions): We figure
the interest charge on your account W applying the periodic rate to the
'average daily balance' of your account(. To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interest charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits, This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the Mal by the number of days in the billing cycle. This gives us the
average daily balance.' which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero will be
treated as zero Aseparate average daily balance will be calculated for each
balance type on your account.
B. The same as Method A. except unpaid Interest Charges are not
included in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance.
D. The same as Method C. except unpaid Interest Charges are not
included in the beginning balance.
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the daily balance" of your account for each
dayinthe billing cycle.Wethenadd the interest tothedaily balance. Togelthe
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. An
daily balance of less than zero will be treated as zero. A separate daily
balance will be calculated for each balance type on your account. The
bale nce(s)shown in the Interest Charges section of this statement's the sum
of the daily balances for each day in the billing cycle divided by the number of
days in the billing cycle.
Balance Type on the face of this statement refers to the following payment
method. RY Regular Charge; M=Major Purchase Charge; C=Commercial.
You can request to receive statements in Spanish by calling customer
service number at 1-800-542-0800.
010J5433 - 7 - 11/02/2010
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone numberonyour account, you consent to GE Money Bank and any otherowneror servicer of your account contacting you about
your account, Including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing
system andlor an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below
n
Name
Street
Address
City, State;
Zip
Phone #
E-mail
Home Phone 9 Business Phone # 'Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
free 8x10 portrait
free sitting fees
plus, receive an additional 50% off
your entire portrait purchase!
JCPenney Portraits can be found in most larger JCPenney stores
schedule appointments at jcpportraits.com or 1.800.59.SMILE for studio locations
Offer expires 4124111.
Free sitting fees. Present coupon at time of sitting. Valid for 50% off entire portrait purchase including enhanced portraits, merchandise and fees. Percent
offer not valid on reorders, media. studio events. portrait memberships, services, with other offers or online orders. One free traditional dat0 per family.
PROMO CODE 1812720
46ddd1W0$1$ili6:
Tran Balance
Date Reference Number Type Description of Transaction or Credit
01/10 P9119000BOISITYVEK R JCP CATLG LOGISTIC CTR RENO NV
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 63812425
WAREHOUSE SHIPMENT
01/12 P9119000D01V6Y ITV R JCP CAT LOGISTIC MANCHESTER CT
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 32637491
WAREHOUSE SHIPMENT
0120 P9119000M01 VJRBA9 R JCP CAT LOGISTIC MANCHESTER CT
FOR QUESTIONS CALL
I-800-709-5777
CATALOG INV. 32792184
WAREHOUSE SHIPMENT
0125 P91 I9000TOOXTYP3B PAYMENT - THANK YOU
FEES
0123 LATE FEE
01/31
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
Total Fees Charged in 2011
Total Interest Charged in 2011
S25.00
$138.17
Amount
$77.96
$61.96
S95.67
($330.00)
$25.00
$25.00
$138.17
$138.17
*Pga<: 315 Gi$C $�ibiR :
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA
NA
26.99% 5610.17 $13.99 E
23.99%
$6,094.42
5124.18
E
..$.......1'�i:�PiPftllbi�I?�'�:iiii::•�:iii}}:•:�:�:•:•�i�'�:::�::�:::�::::::::i:y':�: }$:�::::::i:
ICP Rewards - As a JCPenney Rewards Credit Card member, you am automatically enrolled in JCP Rewards, our loyalty
program] Earn 25% bonus points when you use your JCPenney Rewards Credit Card.
Monitor your Account 24/7. Enroll in free eServicing at jcp.com/credit and take advantage of the easy way to: view recent
transactions, cheek your balance, update personal information and much more.
HIS GUIDE TO LOOKING GOOD,
GETTING INSPIRED
AND SHOPPING SMART.
matters
°tyle
Don't miss a single fashion -filled page
featuring men's regular and big & tall sizes.
STORES /// JCP.COM /// A MAILBOX NEAR YOU
JCPenney
LEONARD C BEISH
Account Number: 11.111.111111
i3RhtM'4 aBA@pA
Previous Balance
- Payments
+ Interest Charged
5335.00
5123.51
New Balance
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
S6.430.25
57,000.00
5539.00
02/28/2011
28
i a ,, , is ;,.. pp,t)i:?
4001 4i*!8(t : ;ii i#i i t>;
Current Status: JCP Rewards Platinum
Total Year to Date Spend
Additional spend needed to reach/maintain,
-JCP Rewards Gold Status
-)CP Rewards Platinum Status
5235.59
S264.41
S764.41
Visit us at jcp.comlcrcdit
Customer Service: 1-800-527-7717
P.O. Box 965009 Orlando 91.32896-5009
Ncw Balance • 36,430.25
Total Minimum Payment Due S321.00
Payment Due Date 03/23/2011
Late Payment Warning: If we do not receive your minimum
payment by thc date listed above, you may have to pay a late
fcc up to 535.00.
Minimum Payment Warning: Rpm make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
:I£ jCiskiGi#:::ids
?11E<'2 E:?�?td;nieiy¢'ri
,:i1 *.iti3:Mfs <t
•5:;:diC;ikh008: Sfiji9$t*$.: >f :
:**-1§1Y 3,il1.-i
il3ibi!iD3i,1 i3d3 : ii:; :r 13i1i3t!$:0'#i:: <:
it<GC«R?
5,:<%�Ni?`�
Only thc Minimum
payment
10 years
510.703.00
If you would like information about credit counseling
services .call 1-877-302-8775.
it t*. 16.4, ? a2 #1 U hk16114W9f:` : i s i- i# ; i •': ;
..L`WI:K-`:514 fd.�td>::::.
Requalify for JCP Rewards Platinum status• this year
and continue to receive these Benefits next year.
-jcp.com Free Shipping Event(s)
-Special Savings Certificate(s) & Birthday Reward Certificate
•2 nips required in each calendar ycnr
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR 119 -STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. Sec reverse for details. Billing Rights Informn6on and other
imponant information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB.
JCP REWARDS - Earn
25% BONUS points
when you use your
JCPenney Rewards
Crcdit Card]
www.jcprewards.com
1111111111111111111111111111111111111
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
rt.A000A_ 5321.00
Account Number:
3fi?sjipcdii?oicifi> :?:?E?E:Ehai;>c:s
03232011 1 56,430.25
FILL IN TOTAL PAID $ n n n n n
•
Ncw address or email? Print changes on the back.
u
—I
AADDDATTTAFDDTDADTDFFDTFFDFTAFAFDTDADDTDTFDAATTTATFTFAAFATDFTAATT
P.O. Box 960090
Orlando FL 32896-0090
DAFADTTFFDATTADAA DFA ADFAFFFA FrATATFFFDTAFM-DOA DAATA ATTTTAFTTFATTT
5433 A10 7 28 110228 PAGE 1 of 3 9119 0200 0175 01EA5433
The JCPenney Gold I Platinum Rewards Credit Card Program*
The JCPenney Gold I Platinum Rewards Credit Card Program offers many special benefits exclusively for our JCPenney Gold I Platinum
Rewards Credit Cardmembers, Including Special Savings Certificate(s) and a Birthday Reward Certificate.
Please visitjcp.com/credit to learn more about the JCPenney Gold / Platinum Rewards Credit Card Program
• Spend $500 ormoreon merchandise or serviceswit your JCPenney Card over 2 or more unique shopping days in each calendaryearto earn or maintain
JCPenney Gold status. Spend 01,000 or more on merchandise or services with your JCPenney Card over 2 or more unique shopping days in each
calendaryear to earn or maintain JCPenney Platinum status. We reserve the right to change or cancel the JCPenney Gold /Platinum Program or any or all
of is benefits at any time without notice. If your account is not in good standing and/or you no longer meet our credit criteria, you may be ineligible for the
JCPenney Gold / Platinum Program and/or unable to take advantage of JCPenney Gold I Platinum Program promotions, The JCPenney Gold / Platinum
Program is available only while you area resident of the contiguous 48 United States, Puerto Rico and Alaska.
Credits To Your Account: An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
wit be applied toyour previous balance immediately upon receipt, but will not satisfy any requirements that may bedue.
Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information relatedto the proceeding lo the following
address: GE Money Bank, Attn: Bankruptcy Dept., P.O. Bca 103104, Roswell, GA 30076.
Your Account is owned and serviced by GE Money Bank.
Hearing Impaired: TDD users call 1-600-444-1732.
CustomerService/Questions: For account Information, please call the toll free number on the front of this statement, Unless your name is listed on this
statement, your access to information on the account maybe limited. You may also mail q*estions (but not payments) to: P.O. Box 965009, Orlando, FL
32896.5009. Please include your account number on any corresppoondenceyou send (pus.
Payments: Send payments to P.O. Box 960090, Orlando FL 32896.0090 or payonline.
Notice: See below foryour Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, please write to our Billing Inquiries Address, P.O. Box 965008, Orlando, FL 32896-5008.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provides check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account orto process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), In your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353-0945 and not the Payment Address.
What To Do if You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Money Bank P0. Boz 965008, Orlando, FL 32896-5008
Or, complete and mail or fax the Dispute Form found at
www.jcp.com/credit
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem: If you think them is an error on your bill,
describe whatyou believe is wrong and whyyou believe it is a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You may callus, but if
you do we are not required to investigate any potential errors and you may
haveto paythe amount inquestion.
While we investigate whether or not there has been an error the following
are true:
• We cannot try to collect the amount in question, or report you as
delinquent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
madea mistake, you will not have to pay the amount in question orany interest
or other fees related to that amount.
• While you do not have to pay the amount in question, you are
responsible for the rema inder of your balance.
• We can apply any unpaid amount against your credit limit.
YourRlghrs H You Are Dissatisfied With Your Credit CardPurchases
If you are dissatisfied with the goods or services that you have purchased
with your credo card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
duean the purchase.
To use this right, all of the following mustbe true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have been
more than $50. (Note: Neither of these am necessary if your purchase was
based on an advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card accou nt do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact vein writing for electronically) at:
GE Money Bank PO. Bax 965008, Orlando, FL 328965008
(wdew.jcp.com/credit)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we willtell you ourdeciobn.
At that point, if we think you owe an amount and you do not pay we may report
you as delinquent.
Information About Payments: You may pay more than the Total
Minimum Payment at any time- Mailed payments received after 5:00 PM
)ET) on any day will be credited as of the next day, Credit to your Account may
be delayed up to five days if payment (a) is not received at the Payment
Address, (6) is not made in U.S. dollars drawn on a U.S. financial institution
located in the U.S., (oils not accompanied by the remittance coupon attached
to your statement, (d) contains more than one payment or remittance
coupon, (e) is not received in the remittance envelope provided or(f) includes
staples, paper clips, tape, a folded check, or correspondence of any type.
Under ordinary circumstances, any payments made ata JCPenney storewill
be credited as of the day you make such a payment. Aternat'ey you may
make your payment online at the website address shown on your billing
statement, provided you make your payment in U.S dollars from a bank
located in the U.S. Conditional Payments: All written oammun'ations
concerning disputedamounts, including any check or other payment
instrument that: (i) indicates that the payment constitutes" meet in ur' or
is tendered as full satisfaction of a disputed amount; or (ii) is tendered with
other conditions or limitations (Disputed Payments), must be mailed or
delivered to us at P0. Box 965008, Orlando, FL32896-5008.
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about you to a consumer reporting agency,
please contact us at P.O. Box 965007, Orlando, FL 328965007. In doing so,
please identify the inaccurate information and tell us why you believe t is
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other dela ults on your account may he reflected in your credit report.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance Including current transactions): We figure
the interest charge on your account try applying the periodic rate to the
average daily balance" of your account To get the "average daily balance"
we take the beginning balance of your account each day which includes any
unpaid interest charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle This gives us the
'average daily balance," which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero will be
treated as zero. A separate average daily balance will be calculated for each
bale ncetype on your accou nt.
B. The same as Method A, except unpaid Interest Charges are not included
in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance,
D, The same as Method C, except unpaid Interest Charges am not included
inthe beginning balance
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the daily balance" of your account for each
day in the tilling cycle. We then add the interest to the daily balance To gel the
"dairy balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. Any
daily balance or less than zem will be treated as zero. A separate daily
balance will be calculated for each balance type on your account. The
balence(s) shown in the Interest Charges section of this statement is the sum
of the daily balances for each day inthe billing cycle divided by the number of
days in the bitlingcycle
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge: C=Commercial,
You can request to receive statements in Spanish by calling customer
service number at 1.800542-0800.
01E A5433 - 1 - 02/1012011
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on youraccount, you consent to GE Money Bank and any other owner orservicer of your account contacting you about
your account, including using any contact information or cell phone numbers you provide, and you consent to theuseof any automatic telephone dialing
system andlor an artificial or prerecorded voice when contacting you, even it you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below.
Street
Address
City, State,
Zip
Phone
E-mail
Home Phone 9 Business Phone ft 'Cell 6 or other phone Owe Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
free 8x10 portrait
FREE sitting fees!
plus, receive an additional 50% off
your entire portrait purchase!
JCPenney Portraits can be found in most larger JCPenney stores
schedule appointments at jcpportraits.com or 1.800.59.SMILE for studio locations
Offer expires 4/24/11.
Free sitting lees. Present coupon at time of sitting. Valid for 50% off entire portrait purchase including enhanced portraits, merchandise and fees. Percent
offer not valid on reorders, media, studio events, portrait memberships, services, with other offers or online orders. One free traditional 8010 per family.
PROMO CODE 1812726
�r3tLt�fiiiE$.........:::5:;:::;;:�:�o-;: r;;;t;<�:;tc:::i:;:tEi::is�rr$:�r:rr23S:<`•
Reference Number
02/22 P9119001S0OXTMZON
PA YM ENT - THANK YOU
FEES
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
02/28 INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PER1013
Total Fees Charged in 2011
Total Interest Charged in 2011
$25.00
$261.68
Amount
($335.00),
$0.00
$123.51
$123.51
Poiciai • ', ::: iitiiitud'oic <; ` ` ; r �r: ;; � 2 � �r MMr`:'.•'t M f: : ; :'t f : :
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16(2010
Regular Purchases
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
26.99% $744.18 515.41 9
NA
NA
23.99%
$5,873.73
$108.10
E
ffAir•trW , s ToTotipctirai' Sr rr:::; rrrri: rt::: : r: rr::22ta2 SS a : ita l fi r: r r::Yt't r f:
................................................................................................................
JCP Rewards - As a JCPenney Rewards Credit Card member, you are automatically enrolled in JCP Rewards, our loyalty
program] Earn 25% bonus points when you use your JCPenney Rewords Credit Card. Go to jcprewards.com for more
information.
Monitor your Account 24/7. Enroll in free eServicing atjcp.com/credit and take advantage of the easy way to: view recent
transactions, check your balance, update personal information and much more.
JCPrewards
Earn 50 bonus points on your irst qualifying purchase of the following
exclusive brands from March 1 - March 31, 2011:
Women
Liz Claibome
Mens
Claiborne
Footwear
Call It Spring
Kids
Total Girls
Jewelry
Diamond Jewelry
All bonus points will be automatically added to your account and appear in your next JCP rewards monthly e -statement. Bonus points are available to
JCP Rewards members in the United States and Puerto Rico. Bonus points apply only to the first non -clearance purchase made in each category listed
above between 03/1/11 and 03/31/11. This offer is not applicable toward previously purchased merchandise. This offer can be combined with other
offers. No discount code is required at checkout. Other offers/discounts, taxes, duties, gill cards, shipping & handling do not qualify for bonus points.
5433 A10 1 7 28 110228 PAGE 2 of 3 9119 0200 0115 01EA5433
new season, new styles. it's your guide to spring's
essentials, plus all the must -haves of the season.
Utfie red book
don't miss a single inspiring page featuring
fashion innovation for misses and extended sizes.
stores • jcp.com • a mailbox near you
JCPenney
LEONARD C BEISH
Account NumbetloniliMilliM
:SRKttR4 •>B:Aetvus�:Ac
Previous Balance
- Payments
+ Purchases/Debits
+ Interest Charged
36.430.25
5321.00
588.13
5133.88
New Balance $6.331.26
Credit Limit $7,000.00
Available Credit $668.00
Statement Closing Date 03/310011
Days in Billing Cycle 31
Current Status: JCP Rewards Platinum
Total Year to Date Spend
Additional spend needed to reach/maintain:
-JCP Rewards Gold Status
JCP Rewards Platinum Status
5323.72
$176.28
5676.28
Visit us at jcp.com/credit
Customer Service: 1.800.527.7717
PO Box 965009 Orlando FL 32896-5009
New Balance $6.331.26
Total Minimum Payment Duc $316.00
Payment Due Date 04232011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above. you may have to pay a late
fee up to $35.00.
Minimum Payment Wanting: If you make only the
minimum payment each period. you will pay more in interest
and it will take you longer to pay off your balance.
For example:
. tt90t lli hb • isi'
(ti..atA3 Clidi ?` t>•
: i1Mi�i},t?{f!t j$dtIdl;: ;;y
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2;; 90tegost ki;?4..is?;i
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i•s i ? 1? 1? ?J$? <
::dAt3ibdiCl3-:btid3:
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.
Only the Minimum
payment
10 years
810.553.00
If you would like information about credit counseling
services . call 1-877-302-8775.
i?¢R9R}??Wer:Pi i!AU !t!12?Fi:: <., i•`: i i<: ; ::: i ::
>rtdlM�f`ar'd;i;!2t!a%?�::22�:c<�i�iiaai•':�i�:'+.e+:: �>:t�::i�:�:i�:+
Requalify for JCP Rewards Platinum stems• this year
and continue to receive these Benefits next year.
-jcp.com Free Shipping Event(s)
-Special Savings Certificate(s) & Birthday Reword Certificate
`2 trips required in each calendar year
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
JCP REWARDS - Earn
25% BONUS points
when you use your
JCPenney Reward
Credit Card)
www.jcprewanls.com
1111111 I1111111IIII 11111111111 III 111
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB. —1
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Account Number.
$316.00
04/23/2011 56,331.26
FILL IN TOTAL PAID $ o n n n
.n
New address or email? Print changes on the back.
AFDDTAAATADTDDDADFDFFATDFTTTA FFDDTDADAADDFAAATTTAFFTFTFFFDTATTATA
P.O. Box 960090
Orlando FL 32896-0090
TFOATDFDFDTAADFDTAFADFFFDTTTDA DA DFATDTADTTDTA DTTTADFAA ADDAATDTFAA
5433 AIH 7 28 110331 PAGE 1 0: 3 9119 0200 M175 01FA5433
The JCPenney Gold I Platinum Rewards Credit Card Program*
The JCPenney Gold 1 Platinum Rewards Credit Card Program offers many special benefits exclusively for our JCPenney Gold I Platinum
Rewards Credit Cardmembers, Including Special Savings Certificate(s) and a Birthday Reward Certificate.
Please visit jcp.com/credit to learn more about the JCPenney Gold 1 Platinum Rewards Credit Card Program
' Spend $500 or moreon merchandise or services with your JCPenney Card over 2 or more unique shopping days in each calendaryear to earn or maintain
JCPenney Gold status. Spend $1,000 or more on merchandise or services with your JCPenney Card over 2 or more unique shopping days in each
calendar year to earn or maintainJCPenney Platinum status. We reserve the right to change or cancel the JCPenney Gold /Platinum Program or any or all
of its benefits at any time without notice. If your account is not in goad standing and/or you no longer meet our credit criteria, you may be ineligible for the
JCPenney Gold /Platinum Program andior unable to take advantage of JCPenney Gold / Platinum Program promotions. The JCPenney Gold /Platinum
Program is availableonlywhiteyou are a resident of the contiguous 48 United States, Puerto Rico and Alaska.
Credits To Your Account: An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied toyour previous balance immediately upon receipt, but will not satisfy any requirements that may be due.
Bankruptcy Notice:lf you file bankruptcy, you must send us notice, including account number and all Information related to the pmceeding to the following
address: GE Money Bank, Attn: Bankruptcy Dept., P.O. Box 103104, Roswell, GA 30076.
Your Account is owned and serviced by GE Money Bank.
Hearing Impaired: TDD users call 1-800-444-1732.
CuntomerServlce/Questlons: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account maybe limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32896-5009. Please include your account number on any correspondence you send to us.
Payments: Send payments to PO Box 960090, Orlando FL 32896.0090 or pay online.
Notice: See below foryour Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, please write to our Billing Inquiries Address, P.O. Box 965008, Orlando, FL 32896-5008.
Purchases, returns, and payments madejust prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), in your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353-0945 and not the PaymentAddress.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Money Bank PO. Box 965008, Orlando, FL 32896-5008
Or, complete and mat or fax the Dispute Form found at
www.jcp.com/credit
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected emor.
• Description of Problem- If you think there is an error on your bill,
describe what you believe is wrong and whyyou believe t b a mistake.
You must contact us wthin 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You may call us, but if
you do we are not required to investigate any potential errors and you may
haveto pay the amount in question.
While we investigate whether or not there has been an error, the following
are true:
• We cannot try to collect the amount in question, or report you as
delinquent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
madea mistake, youwill not have to paythe amount in question or any interest
or other fees related to that amount.
• While you do not have to pay the amount in question, you are
responsible forthe remainder of your balance.
• We can apply any unpaid amount against your credit limit.
YourRightsIf You Are Dissatisfied With YourCredit Car d Purchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have been
more than $50. (Note: Neither of these am necessary if your purchase was
based on an advertisement we mated to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account do not qualify.
3. You must not yet have my paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in writing(or electronically) aC
GE Money Bank PO Box 9;0008, Orlando, 32896-5008
(www.jcp.com/credit)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tellyou ourdecision.
Millet point, if we think you axe an amount -and you do not pay we may report
you as delinquent.
Information About Payments: You may pay more than the Total
Minimum Payment at any time. Mailed payments received after 5:00 PM
(ET) on any day will be credited as of the next day. Credit to your Account may
be delayed up to five days if payment (a) is not received at the Payment
Address, (b) is not made in US. dollars drawn on a U.S. financial institution
located in the U.S., (c) k not accompanied by the remittance coupon attached
to your statement, (d) contains more than one payment or remittance
ceupon, (e) is not received in the remittance envelope provided or(Q includes
staples, paper clips, tape, a folded check, or correspondence of any type.
Under ordinary circumstances, any payments made at a JCPenney store will
be credited as of the day you make such a payment. Aternativey you may
make your payment online at the website address shown on your billing
statement, provided you make your payment in U.S.dollars from a bank
boated in the U.S. Conditional Pay gots: All written communications
concerning disputed amounts, incuding any check or other payment
instrument that (i) indicates that the payment constilutes"payment in turbr
is tendered as full satisfaction of a disputed amount; or (ii) is tendered with
other conditions or limitations ("Disputed Payments"), must be mailed or
delivered to us at P0. Box965008, Orlando, FL 32896-5008.
Credit Reports and Account Information: If you believe that we have
reported Inaccurate information about you to a consumer reporting agency,
please contact us at PO Box 965007, Orlando, FL 328965007. In doing so,
please identify the inaccurate information and tell us why you believe itis
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
otherdefaulls onyour account maybe reflected inyour credit report.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance Including current transactions): We figure
the interest charge on your account uy applying the periodic rate to the
'average daily balance" of your accountt. To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interest charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daily balances fate billing cycle and
divide the total by the number of days in the billing cycle This grves us the
average daily balance," which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero wit be
treated as zero. A separate average daily balance will be calculated for each
balancetype on your account.
B. The same as Method A, except unpaid Interest Charges are not induded
in the beginning balance
C. The same as Method A, except new Purchases are not included in the
daily balance,
D. The same as Method C, except unpaid Interest Charges are not included
in the beginning balance
E. (Daily Balance Method): We figure the interest charge on your account'
by applying the periodic rate to the daily balance" of your account for each
day in the billing cycle. We then add the interest to the daily balance. Toget the
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. Any
daily balance or less than zero will be treated as zeroA separate daily
balance will be calculated fa each balance type on your account The
balance(s) shown in the Interest Charges section of this statement is the sum
of the daily balances for each day in the billing cycle divided by the number of
days in the billing cycle.
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge, C=Commercial.
You can request to receive statements in Spanish by calling customer
service number al 1-800-542-0800.
01 EA5433. 1 - 02/10/2011
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on youraccount, you consent to GE Money Bank and any other owner or servicer of your account contacting you about
your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing
system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the bon and print the changes below
Street
Address
City, State,
Zip
Phone 6
E-mail
Home Phone d
Business Phone `Cell k or other phone 9 we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
free 8x10 portrait
FREE sitting fees!
plus, receive an additional 50% off
your entire portrait purchase!
JCPenney Portraits can be found in most larger JCPenney stores
schedule appointments at jcpportraits.com or 1.800.59.SMILE for studio locations
Offer expires 4/24/11.
Free sitting lees. Present coupon at time of sitting. Valid for 50% off entire portrait purchase including enhanced portraits, merchandise and lees. Percent
offer not valid on reorders, media, studio events, portrait memberships, services, with other offers or online orders. One free traditional 8x10 per family.
PROMO CODE 1812692
$:tdtL�fidtt$3t.......`L<r:L�:6:::;:;:;;:t;:; �:;:;:'$'t;::;t::',:i3 :;:;:;:;:;r:�:y:t :•, rr:;a;:ti;;:;:; : � rrr:;:t � :;:;: � <:�:;:
Tran Balance
Date Reference Number Type Description of Transaction or Credit Amount
03/01 P9119001X01SR2LBV R JCP CAT LOGISTIC MANCHESTER CT $16.90
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 33386064
WAREHOUSE SHIPMENT
03/02 P911900IZOISVRYKL R JCP CAT LOGISTIC MANCHESTER CT $11.94
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 33386055
FACTORY SHIPMENT
03/08 P9119002401 V53B88 R JCP CATLG LOGISTIC CTR COLUMBUS OH $59.29
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 19718543
WAREHOUSE SHIPMENT
03/22 P9119002HOOXTMWTA PAYMENT- THANK YOU ($321.00)
FEES
TOTAL FEES FOR THIS PERIOD
03/31
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
Total Fees Charged in 2011
Total Interest Charged in 2011
$25.00
$395.56
$0.00
$133.88
5133.88
fSl.....t....GidFi$;a!$iti:<
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA
NA
26.99%
23.99%
$833.38
$5,632.81
519.10 E
$114.78
E
Please Note: Enclosed is the Privacy Policy for this account. Please take a moment to read it, then keep it with other financial
.PN ; 6': : Cf4lbb[8f•: �$i?::. 'r:i 'r6 ::::i:i tom. :{: :{::i`v:° :f: :: :i•:• }:i:f$f : ?}'{::: ti :• ifii:iiii i'r'r'ri'
.........................................................................................................................................
JCP Rewards - As a JCPenney Rewards Credit Card member, you are automatically enrolled in JCP Rewards, our loyalty
program] Earn 25% bonus points when you use your JCPenney Rewards Credit Card. Go to jcprewards.com for more
information.
Monitor your Account 24/7. Enroll in free eServicing atjcp.com/credit and take advantage of the easy way to: view recent
transactions, check your balance, update personal information anti much more.
baby sale! 20-50%off
furniture,
bedding,
gear,
apparel
and more!
april 21 - may 24, 2011 • in store & at jcp.com
JCPenney
LEONARD C BEISH
Account Number.-
:SR1R7th •G3:Ii@eiwti<ii3C •
Previous Bolancc 56.331.26
• Paymenlo
$316.00
+ Interest Charged 5121.59
Ncw Balance 56.136.85
Credit Limit 57,000.00
Available Credit 5863.00
Statement Closing Date 04/29/2011
Days in Billing Cycle 29
Current Status: JCP Rewards Platinum
Total Year to Date Spend
Additional spend needed to reach/maintain:
-JCP Rewards Gold Status
-JCP Rewards Platinum Status
5323.72
5176.28
5676.28
Visit us at jcp.com/credit
Customer Service: 1.800-527.7717
PO Box 965009 Orlando F132896-5009
GM:itiE4lgilkipi$
Ncw Balance S6.136.85
Total Minimum Payment Due 5306,00
Payment Due Date 05/23/2011
Late Payment Warning: If we do nor receive your minimum
payment by the date listed above. you may have to pay a late
fee up to 535.00.
Minimum Payment Warning: if you make only the
minimum payment each period. you will pay more in interest
and it will take you longer to pay off your balance.
For example:
lfau iak . ' r.
iiA?1.Ri!Ati i.irii
? �r1Jd,!k* Alik;iii!f! ;;;
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Only the Minimum
payment
10 years
010,231.00
If you would like information about credit counseling
services •call 1-877-302-8775.
WYiivgy>Ala til k{ipam:fi
Requalify for JCP Rewards Platinum status* this year
and continue to receive these Benefits next year.
-jcp.com Free Shipping Event(s)
-Special Savings Certificate(s) & Birthday Reward Certificate
'2 trips required in each calendar year
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. Sec reverse for details. Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB.
JCP REWARDS - Earn
25% BONUS points
when you use your
)CPenncy Rewards
Credit Card!
www.jcprcwards.com
1111111111111111111111111111111111111
LEONARD C BEISH
1505 LOUISA 1.14
MECHANICSBURG PA 17050-7281
f:i��OyJlbOdf:F�ij7j•>'
0306.00
"'iioF •�tn.'•''dir:i? i vo'i'ri�'isa'>i�zi"r;::::::
•.56.136.85.• 111
05/23/2011
FILL IN TOTAL PAID $ nn
❑.nn
Ncw address or email? Print changes on the back.
—I
DFTTA DA FTFTD FDA DDFFTDFA DTTDFFTDTFFFDTFITFDFTADFDA ATA DDTA FAD DDDTAD
P.O. Box 960090
Orlando FL 32896-0090
AFDDTAFTADDADADTDADFAFAFAAFFTTFAATAFAFATADFAFTDFDFAFDAATDTDTATDDA
5433 01H 7 28 110429 PAGE 1 of 4 9119 0200 M175 01005433
The JCPenney Gold / Platinum Rewards Credit Card Program*
The JCPenney Gold I Platinum Rewards Credit Card Program offers many special benefits exclusively for our JCPenney Gold I Platinum
Rewards Credit Cardmembers, Including Special Savings Certificate(s) and a Birthday Reward Certificate.
Please visitjcp.com/credit to learn more about the JCPenney Gold I Platinum Rewards Credit Card Program
Spend $500 or moreon merchandise or services with your JCPenney Card over 2 or more unique shopping days in each calendaryear to earn or maintain
JCPenney Gold status. Spend $1,000 or more on merchandise or services with your JCPenney Card over 2 or more unique shopping days in each
calendaryear to earn or maintain JCPenney Platinum status. We reserve the right tochange or cancel the JCPenney Gold /Platinum Program or any or all
of Es benefits at any time without notice. If your account is not in good standing and/oryou no longer meet our credit criteria, you may be ineligible for the
JCPenney Gold /Platinum Program and/or unable Intake advantage of JCPenney Gold / Platinum Program promotions. The JCPenney Gold / Platinum
Program is availableonly while you area resldento( the contiguous 48 United States, Puerto Rico and Alaska.
Credits To YaurAccount: An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied toyourprevlous balance immediately upon receipt, but will not satisfy any requirements that may bedue.
BankmptcyNotice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Money Bank, Attn: Bankruptcy Dept., 00, Box 103104, Roswell, GA 30076.
Your Account is owned and serviced by GE Money Bank.
Hearing Impaired: TDD users call 1.800-444-1732.
CustomerServlce/Questlons: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account maybe limited. You may also mail questions (but not payments) to: RO. Box 965009, Orlando, FL
32896.5009. Please include your account number on any correspondence you send to us.
Payments: Send payments to P.O. Box 960090, Orlando FL 32896-0090 or pay online.
Notice: See below foryour Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserveyour rights, please write to our Billing Inquiries Address, P.O. Box 965008, Orlando, FL 329965008,
Purchases, returns, and payments madejust prior to billing date may not appear until next month's statement. When you provides check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer, hinds maybe withdrawn from your account as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), in your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353.0945 and not the PaymentAddress.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Money Bank PO. Box 965008, Orlando, FL 32896-5008
Or, complete and mail or fax the Dispute Form found at
www.jcp.com/credit
In your letter, gree us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem' If you think there is an error on your bill,
describe what you believe is wrongand why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of arty potential errors in writing. You may call us, but if
you do we am not required to investigate any potential errors and you may
haveto paythe amount inquestion.
While we investigate whether or not there has been an error, the following
are true:
• We cannot try to collect the amount in question, or report you as
delinquent on that amount
• The change in question may remain on your statement, end we may
continue to charge you interest on that amount. But, if we determine that we
made a mistake, you will not have to pay the amount in question or any interest
or other fees related tothat amount.
• While you do not have to pay the amount in question, you are
responsible forthe remainder of your balance.
• We can apply any unpaid amount against your credit limit.
YourRights H YouAre Dissatisfied With YourCredit Card Purchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
wnh the merchant, you may have the right not to pay the remaining amount
due en the purcha se.
To use this right, all of the hilloWng must be true:
1. The purchase must have been made in your home stale or within 103
miles of your current mailing address, and the purchase price must have been
more than $50. (Note: Neither of these are necessary it your purchase was
based on an advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account donut qualify
3, You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied wnh the
purchase, contact us in writingor electronically) at:
GE Money Bank P.O. Box 965008, Orlando, FL 32896.5008
(www.jcp.com/credt)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our decision.
At that point, if we think you owe an amountand you do not pay we may report
you as delinquent.
Information About Payments: You may pay more than the Total
Minimum Payment at any time. Mailed payments received after 500 PM
(ET) on arty day will be credited as of the next day. Credit toyour Account may
be delayed up to We days if payment (a) is not repented at the Payment
Address, (b) is not made in U.S. dollars drawn on a U.S. financial institution
located in the U.S., (c) is not accompanied by the remittance coupon attached
to your statement, (d) contains more than one payment or remittance
coupon, (e) is not received in the remittance envelope provided or (f) includes
staples, paper clips, tape, a folded check, or correspondence of any type,
Under ordinarycircumstanoes, any payments made at a JCPenney store will
be credited as of the day you make such a payment. Adernat'ively you may
make your payment online at the website address shown on your billing
statement, provided you make your payment in U.S. dollars from a bank
located in the U.S. Conditional Paw encs: Al written communications
concerning disputed amounts, including any check or other payment
instrument that: (i) indicates that the payment constitutes "payment intuit' or
is tendered as full satisfaction of a disputed amount; or (io is tendered with
other conditions or limitations ("Disputed Payments"). must be mailed or
delivered to us at P0. Box 965008, Orlando, FL 32896-5008.
Credit Reports and Account Information: If you believe That we have
reported inaccurate information about you toe consumer reporting agency
please contact us at P.O. Box 965007, Orlando, FL 32896-5007. In doing so,
please identify the inaccurate information and tell us why you believed is
Incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other defaults on your account maybe reflected in your credit report.
Balance Subject To Interest Charge Calculation
A. (Average ally Balance Including current transactions): We figure
the interest charge on your account try applying the periodic rate to the
"average daily balance" of your acceun . To get the "average daily balance"
we take the beginning balance of your account each day which includes any
unpaid interest charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle. This gives us the
"average daily balance,' which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero will be
treated as zero. A separate average daily balance will be calculated for each
balance type on your account.
B. The same as Method A, except unpaid Interest Charges are not included
in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance.
D. The same as Method C, except unpaid Interest Charges are not included
in the beginning balance
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the daily balance" of your account for each
day in the billing cycle. We then add the interest to the dairy balance. To get the
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. Any
daily balance of less than zero will be treated as zero. A separate daily
balance will be calculated for each balance type on your account. The
balance(s) shown in the Interest Charges section of this statement is the sum
of the dally balances for each day In the billing cycle divided by the number of
days inlhe billing cycle.
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge; C=Commemlal.
You can request to teceive statements in Spanish by calling customer
service number at 1-800-542-0800.
01EA5433 -1 - 02/10/2011
This is an attempt to collect a debt and any information obtained will be used far that purpose.
'By providing a telephone number on youraccountyou consent to GE Money Bank and any other owner orservicer of your account contacting you about
your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing
system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below.
Street
Address
City, State,
Zip
Phone k
E-mail
Home Phone 9
Business Phone ti 'Cell B or other phone 9 we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
free 8x10 portrait
FREE sitting fees!
plus, receive an additional 50% off
your entire portrait purchase!
JCPenney Portraits can be found in most larger JCPenney stores
schedule appointments at jcpportraits.com or 1.800.59.SMILE for studio locations
Offer expires 6/20/11.
Free sitting lees. Present coupon at time of sitting. Valid for 50% off entire portrait purchase Including enhanced portraits, merchandise and fees. Percent
offer not valid on reorders, media, studio events. portrait memberships, services, with Other Offers Or Online orders. One free traditional 8%10 per family.
PROMO CODE 1812698
$titLCK+idit$ft........:: Sr:t:::,:«;tt33;:r::::r:::::::::�:�r:::::t:::: «:::�r <r �:;t3 ::'<,:t:$: ::b c::::::$ � is t:•,'•: ::
Reference Number
04/19 P9119003DOOXTMWT8
04/29
PAYMENT -THANK YOU
FEES
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
Total Fees Charged in 2011
Total Interest Charged in 2011
$25.00
$517.15
Amount
(5316.00)
$0.00
$121.59
5121.59
..t •:::.; ttHh`6t#�:::: �::r':: � �: rrr?:ii trrr:{t r:�} r:•:':<tt;t•:•:tti :•:•::t5:�:•:::::? i:•:� tt:�t? rrr:::i: r::::::ttt
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA
NA
26.99% 8866.10 $11.57 E
23.99%
$5,404.50
5103.02
E
rre
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..S' ele!lCtit01 'r n ff:?i :::i? :? }: }}}:iYti :i
JCP Rewards - Ac a JCPenney Rewards Credit Card member, you arc automatically enrolled in JCP Rewards, our loyalty
program] Earn 25% bonus points when you use your JCPenney Rewards Credit Card. Go to jcprewards.com for more
information.
Monitor your Account 24/7. Enroll in free eServicing at jcp.com/credit and take advantage of the easy way to: view recent
transactions, check your balance, update personal information and much more.
HIS GUIDE TO LOOKING GOOD,
GETTING INSPIRED
AND SHOPPING SMART.
matters
°style
Don't miss a single fashion -filled page
featuring men's regular and big & tall sizes.
STORES /// JCP.COM /// A MAILBOX NEAR YOU
5933
/OH
7 28 110429
PAGE 2 of 4
9119 0200 M175 01EA5433
O;po actWROd:iNcc?tAw:•::•::::: • :•:::. _ ......::::•::::::v::• :•:ME:::::::•:::::•:::::::::::::::•::::N:::•
Minimum Payment: We are increasing the total minimum payment on your account. The terms in
your Agreement which explain how your total minimum payment is calculated will be replaced with
the terms below. The remaining provisions of the Payments section in your Agreement remain in
effect and are not changing.
"Your total minimum payment will be calculated as shown below. Your total minimum payment will
not be less than the total of any unpaid interest and insurance premiums due. If your new balance
on your billing statement is less than the amount in section I.(a) below, then your total minimum
payment will be equal to the new balance. Your total minimum payment will he:
1. The greater of: (a) $25, or $35 if you have failed to pay at least the total minimum payment due
by the due date in any one or more of the prior six killing cycles, or (h) the sum of any past due
amounts, any credit insurance premiums, the minimmn payment on the Regular Charge balance,
and the minimum payment on the Major Purchase Charge balance, calculated as follows: (i) for the
Regular Charge balance, 5% of the new Regular Charge balance, rounded down to the whole
dollar; (ii) for the Major Purchase Charge balance, 2.5% of your highest Major Purchase Charge
balance since your Major Purchase Charge balance was zero, rounded down to the whole dollar.
OR
2. If you are charged a late payment fee during a billing cycle, for the next four months, we will
make the following calculation each month us long as you make at least the total minimum payment
each month as' shown in section I above. We will calculate if the total of your payments is at least
equal to the sum of the following: (A) the interest billed on your statement each month, plus (B) 1%
of the new balance shown on your billing statement each month, plus (C) the late payment fee that
was assessed in the billing cycle before the four month period. If for the four month period the sum
of your payments is not at least equal to the sum of A, B and C, then your total minimum payment
for future billing cycles will he the greater of either:
(a) the minimum payment calculation shown in section I above, or
(b) the sum of: (i) 1% of the new balance shown on your billing statement plus interest and late
payment fees charged to your account in the current billing cycle, rounded down to the whole dollar;
PLUS (ii) any past due amounts."
Additional Changes To Your Current Terms
li As of 7/252010, we eliminated the Penalty APR. if applicable, that may apply except for any
account that triggered the Penalty APR prior to 7/25/2010 and is currently subject to such rate.
If your account is subject to this exception, then the Penalty APR provision in your Agreement
will remain in effect until the Penalty APR no longer applies to your account. After that. the
Penalty APR provision will be eliminated from your Agreement.
ti As of 8/192010, the Returned Payment Fee (Retumed Check Fee), if applicable, was
eliminated from your account terms.
5433 ASH 1 1 28 110429 PAGE 4 of 4 9119 0200 9175 01EA5433
sale prices effective through 5/1/11 - 6/4/11
custom decorating
50%Galaxy Collection
draperiescornices, valances,
O{{ bedspreads, pillows,
II tablerunners, and more
free in home consultation
more than 30,000 sizes, colors and styles.
if you can dream it, we can help you design it.
available in stores, 800-445-4145 or jcp.com/customdec
JCPenney
LEONARD C BEISH
Account Number:
9R!R!RA!'�;DTAlCR!
Previous Balance
- Payments
+ Purchases/Debits
+ Interest Charged
.....................:.:.:.:56.136.85
..................... .
5306.00
5388.12
5134.54
Ncw Balance
56.353.51
Credit Limit 57.000.00
Available Credit S646.00
Statement Closing Date 05/31/2011
Days in Billing Cycle 32
41440000,10W.ii>i
Current Status: JCP Rewards Platinum
Total Year to Date Spend
Additional spend needed to reach/maintain:
-JCP Rewards Gold Status
.JCP Rewords Platinum Status
5711.84
$0.00
5288.16
Visit us at jcp.conticredit
Customer Service: 1.800-527-7717
PO Box 965009 Orlando FL 32896-5009
.................................::....:.....::..:::..:.,:::::::::
Ncw Balance 56,353.51
Total Minimum Payment Due 5317.00
Payment Duc Date 06232011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to 535.00.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
•... ...
iii
:iiiii2't! g• Yfildl
•
: ? :cQC:IL tRMA:
; ; ibtll;itit 3S'A;attt`{
;: ; WtcR1Rt(t j/. :
.2608tb3tb
rr: S: :;-tE N •:•f:•}:•i:
Only the Minimum
payment
10 years
510,653.00
If yttu would like information about credit counseling
services , call 1-877.302-8775.
-Nt# 1111, PA.:•J•t'•`•r}h• •t{i'? I2Scti?F:'+. :yt t i;: t:t
:;?:i i i:;',•.; }::;:<::?ti ;t`S
Requalify for JCP Rewards Platinum status• this year
and continue to receive these Benefits next year.
-jcp.com Free Shipping Event(s)
•Special Savings Certificate(s) & Birthday Reword Certificate
n2 trips required in each calendar year
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into on electronic debit. See reverse for details. Billing Rights Information and other
important information.
JCP REWARDS - Earn
25% BONUS points
when you use your
JCPenney Reward
Credit Cord)
www.jcprewanls.com
llllllllllllllllll1111111111111III ll
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB. —I
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
5317.00
06232011
Account Numbe .
t8!fcuq•,idilo�;
56.353.51
FILL IN TOTAL PAID
n
n
•
New address or email? Print changes on the back.
TDDATTADDTTTTFFATFFAAATDTAFDFFTDTADDATADFAFTFFDFFFTTTTATFAFAFTAFT
P.O. Box 960090
Orlando FL 32896-0090
ADFfADATTATTFFTFFAFDTFTTFAAAA FDFTDDTADFFAFDDTAADFFI-TFI-TFFDDATDTFT
5433 Al0 1 7 28 110531 PAGE 1 of 3 9119 0200 n175 01EA5433
The JCPenney Gold i Platinum Rewards Credit Card Program*
The JCPenney Gold 1 Platinum Rewards Credit Card Program offers many special benefits exclusively for our JC Penney Gold l Platinum
Rewards Credit Cardmembers, Including Special Savings Certificate(s) and a Birthday Reward Certificate.
Please visit jcp.com/credit to learn more about the JCPenney Gold I Platinum Rewards Credit Card Program
' Spend $500 amore on merchandise or services with your JCPenney Card over 2 a more unique shopping days in each calenda ryear to earn or maintain
JCPenney Gold status. Spend 51,000 or more on merchandise or services with your JCPenney Card over 2 or more unique shopping days in each
calendaryear to earn or maintain JCPenney Platinum status. We reserve the right to change orcancel the JCPenney Gold /Platinum Program a any orall
of Its benefits at any time without notice. If your account is not In good standing and/ayou no longer meet ourcredit crlterla, you may be ineligible for the
JCPenney Gold / Platinum Program and/or unable to take advantage of JCPenney Gold / Platinum Program promotions. The JCPenney Gold / Platinum
Program is available only whileyou area resident of the cadlguous 48 United States, Puerto Rico and Alaska.
Credits To Your Account:An amount shown In parenthesise preceded by a minus (-)sign Is a creditorcredit balance unless otherwise indicated. Credits
will be applied to your previous balance immediately upon receipt, but will not satisfy any requirements that maybe due.
Bankruptcy Notice:If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Money Bank, Alin:Bankruptcy Dept., P.O. Box 103104. Roswell, GA 30076.
Your Account Is owned and serviced by GE Money Bank.
Hearing Impaired: TDO users call 1.800-444-1732.
Customer Service/Questions: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32896.5009. Please include your account number on any correspondence you send tous.
Payments: Send payments b P.O. Box 960090, Orlando FL 32896 0090or pay online.
Notice: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
p eserveyour rights, please write to our Billing Inquiries Address, P.O. Box 965008, Orlando, FL 328965008.
rchases, returns, and payments madejust prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account onto process the payment as a check
transaction. When we use Information from your check to make an electronic fund transfer. funds may be withdrawn from your account as soon aslhesame
day we receive your payment. and you wit not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), In your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353-0945 and not the Payment Address.
What To Do If You Think You Find A Mistake On Your Statement
II you think there is an error on your statement, unite to is at the Biting
Inquiries Address of:
GE Money Bank P.O. Box 965008, Orlando, FL 32896-5008
Or complete and mat or tax tits Dispute Form bund al
www.jcp.combedit
In your letter, eke us the blknving information:
• Account mtonnatlon Your name and account number.
• Dollar amount: The dollar arnourt of the suspected error
• Description at Problem' If you think there is an error on your bill.
descnbewhat you beleveisendwtryyou believe! h a mistake.
You must contact us with days after the error appeared on your
statement.
You must notify us of any potential errors in writing, You may call us, but If
you do we are not required to investigate any potential errors and you may
have topay lheamounl nquesticn.
While we investigate whether or vol there has been an error, the blowing
aretroe:
• We cannot try to coked the amount In question, or report you as
delinquent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
madea mistake, yaucull not have to pay thea mount inqueslionor any interest
mother lees related to that amount.
• While you do not have to pay the amount in question, you are
responsk lefathe remainder of your belance.
• We can apply any unpaid amount against your credit limit.
Your Rights H You Are Dissatisfied With YourCredit CardPurchases
11 you ere dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried it good lath to correct the problem
with the merchant. you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the fallowing must be true:
1. The purchase must have been made In your hone state or within 100
miles of yourcurrerk mat ng address, and Ore purchase price must hmcheen
more than 550, (Note: Neither of these are necessary if your purchase was
based on en advertisement we mailed to you. or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account do net quaily.
3. You must not yet here July paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, canted us In wrdln meiectronicalW at:
GE Money Bank PO Box , Orlando, FL 3289(96.5008
(wwwjcp.condcredit)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, wewill tell you ourdec'ebn.
yAmtt utthat pont. if we think you owe an amount -and you dont pay we may report
as information Payments: You may pay more than the Total
Minimum Payment at any lime. Mated payments received after 5:03 PM
(ET)on arty day will ecredked as of the next day. Credttoyour Account may
be delayed up to five days II payment (a) is not received et the Payment
Address. n U. ) e nal made tars drawn on a U.S. financial institution
located in the U.S., MS not accompanied by the remittance coupon attached
to your statement, (d) contains more than one payment or remittance
coupon, (e) is no received in the remittance envelope provided or (t) includes
staples, paper cies, tape, a folded check, or correspondence of any type.
Under ordinary circumstances, any payments made ata JCPenney store wit
be credited as of the day you make such a payment. Alternatively you may
make your payment eeine at the website address shown on your burg
statement, provided you make your payment in U.S. dollars from a bank
located in the U.S. 29 dill Al written communications
oonzerning disputed amounts, in Ing any check or other payment
insuumerd'ithat: indicates that the payment constitutes"payment in tuff or
is tendered as that:
satisfaction of a disputed amount; or (ii) Is tendered will
other conditions or Imitations 'Ois ledends must be mailed a
delivered tous al P,O.Box Orlando FL 2896 .
Credit Reports and Account Information: If you beieve that we have
reported inaccurate information about you to a consumer reporting agency,
please contact us at P.O. Box 965007.Orlando, FL 328965007. In doing so.
please kknby the inaccurate information and tel us why you believe it is
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may repod information
about your account to creek( bureaus. Late payments, missed payments, or
other defaults on your account may be retracted in your credit report.
Balance Subject To Interest Charge Calculation
A. (Average Oath/ Balance Includingg current transactions): We figure
the interest charge on your account by applying the periodic rate to the
"averwe taketel eabbeeginnig balance of balance" of your � ticcouTo nteathe
h day, inge cludes any
unpaid interest charges from the previous bilrgcycle, add any new charges,
and applicable fees and subtractany payments or crafts. This gives us the
daily balance. Then, we add up all the daily balances is the tiling cycle and
divide the total by the number of days in the biking cycle. This gives us the
"average daily balance," which is the balance shown to the Interest Charges
section of the statement. Any average dal), balance of loss than zero wilf
treated as zem. A separate averagedaky balance will be calculated br each
baiancetype co youraccount.
B. The same as Method A, except unpaid Interest Charges are nal Included
hr the beginning bolance.
C. The same as Method A, except new Purchases are not included In the
daily balance.
D. The same as Method C, except unpaid Interest Charges are not included
In the beginning balance.
bE.. (Daily Balance Method): We 19100 the interest charge on your account
dayynhebikng iingcycle Welham to
ddd lheirdweestt to balance" of
Tooggetr ch
the
-daffy balance we take the beginning balance of your account each day
(which includes unpaid interest). add are, new charges, and applicable fees,
end subtract arty payments or credits. Tuts gives us the daily balance. My
duly balance of less than zero wit be treated as zero. A separate daily
batarce wit be calculated fa each balance type on your account. The
balance(s) sham in the Interest Charges section of this statement is the sum
dolalysedst bitialac�es for each day in the biting cycle aided by the number of
in Balance Type on Ole face of lits statement refers to the foloxing payment
method: R=RgularCharge; M=Major Purchase Charge:C=CommemaL
You can request to recene statements in Spanish by calling customer
service number al 1.800-542-0800.
01 EA5433.1 •02/10/2011
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on your amount. you consent to GE Money Benkand any other owner or servicer of your account contacting you about
your account, Including using any contact Information Of cell phone numbers you provide, and you consent to the use of any automatic telephone dialing
system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number andior email, please check the box and print the changes below.
Street
Address
City, State.
Zip
Phone k
E -mai
Home Phone 0 Business Phone II 'Cell S or other phone O we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
loo us to share your email address to JCPenney so you can receive special offers end updates,
JEWELRY SPECTACULAR SALE!
june 1 - june 19, 2011
X20
fine jewelry Qfinejeelry
purchases made 0 {% and watcwhes
Offon your JCPenney fx— c with any form
Rewards Credit Card W 1 I of payment
june
1-7,
2011
special financing available june 1-7, 2011, when you use your JCPenney Rewards Credit Card. see store for deta is.
Extra 20% off Fro Jewelry with your JCPenney Retards credit Card, Extra 15%0111i a Jewelya Watches wilt wry form at payment effective WI 211-6/7O1.
Otters do not aptly to services, service parr 9d1 cards, aired adersrMa wrdases, or in cemdmtlm with odor moms. JCPwney Card purchases subject to credit approval.
To save an Extra 20%,011 Fre Jewelrywith your JClVney eerrwrdv Cre61 Cab a an Extra 15%Off Foe Jewelry and Watches at i44com, ®da code GEM451.M8 what
portgted at diming or col 11300.2226181 and menrdan the code.
1�7J11#o"Stlitt
Tran Balance
Date Reference Number Type Description of Transaction or Credit Amount
05/09 P9119004301TIGY4S R JCP CAT LOGISTIC MANCHESTER CT 578.98
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 34390635
FACTORY SHIPMENT
05/11 P9119004401T31S09 R JCP CATLG LOGISTIC CTR COLUMBUS OH 511.99
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 20994256
WAREHOUSE SHIPMENT
05/16 P9119004901TATT5W R JCPCATLG LOGISTIC CTR COLUMBUS 011 5115.20
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 21057423
WAREHOUSE SHIPMENT
05/17 P9119004900XTMXFI PAYMENT - THANK YOU (5306.00)
05/17 P91I9004BOITDHPF2 R JCP CAT LOGISTIC MANCHESTER CT 521.99
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 34531511
FACTORY SHIPMENT
05/18 P9119004BOITDK6LM R JCP CAT LOGISTIC MANCHESTER CT 5159.96
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 34581742
WAREHOUSE SHIPMENT
FEES
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
05/31 INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
Total Fees Charged in 2011
Total Interest Charged in 2011
50.00
5134.54
5134.54
j/iIK2Ai� �;iP:::. dai11iN1YOKsi{{{:??$`i{:i:{ $:{ } Ci�};•'.Gv
...... •:.�1.:�.:x•41.,:•............:................:...........::......::.:................:..:................:::.:..............::......
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA
NA
26.99% 51.089.61 525.78 E
23.99%
55.170.96
5108.76
B
Ktiligomisogilotp � t '<��bi::i ::i � :� �::�:�: t<� �:'c:<'it�:f:•:�::; :t• �:f:•r• �:::•r :::
JCP Rewards - As a JCPenney Rewards Credit Card member. you arc automatically enrolled in JCP Rewards, our loyalty
program) Earn 259E banns points when you use your JCPenney Rewards Credit Cord. Go tojeprewards.com for more
infatuation.
Monitor your Account 2417. Enroll in free cScrvicing at jep.com/credit and take advantage of the easy way to: view recent
transactions. check your balance. update personal information and much more.
5433 Ala 7 28 110531 PAGE 2 of 3 9119 0200 m175 01EA5433
it doesn't get better
than platinum
congratulations, you're loyalty royalty!
your JCPenney Rewards Platinum Credit Card brings
you special benefits, including:
$15 birthday reward
special $15 perks
visit jcp.com/credit for details
JCPenney
LEONARD C BEISH
Account NumberAIMEIMPIP
SR7ihY4 IP3AiCttlllfi<:YtC
Previous Balance • • $6,353.51
Payments
+ Purchases/Debits
+ Fees Charged
+ Interest Charged 5130.63
$317.00
$79.95
$35.00
New Balance
$6,282.09
Credit Limit $7,000.00
Available Credit 5717.00
Statement Closing Date 06/30/201 I
Days in Billing Cycle 30
Current Status: JCP Rewards Platinum
total year to date spend
additional spend needed to reach/maintain:
-jcp rewards gold status
-jcp rewards platinum status
$791.79
50.00
$208.21
Visit us at jcp.condcredit
Customer Service: I-800-527-7717
PO Box 965009 Orlando FL 32896-5009
iklGit::1li�4Ef11Rt?ait:: t:`t$ } <::: I:I::tttt t3 :tI i
New Balance $6,282.09
Total Minimum Payment Duc $314.00
Payment Due Date 0723/2011
Lute Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $35.00.
Minimum Payment Waming: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
.441 b 4iilAW9$:i ::
:iZhh$di!t1; :; ;
is 331C:cbbtj:oiotjt,>; t;`
. i s ??3 4;iv;:: ;
'.:; 3 C; h? S CL : <'
; 3iE*btiibi t t
i:i ; sleoloa,¢uLiiS tit
,•'•,'*.; !,.Q9i;' KO..
. . .......... ...
; r:
;.;&141iC3:titif}3:
::: p: i4:ai; : i
`: y Vi;;
Only the Minimum
payment
9 years
$10,509.00
If you would like information about credit counseling
services , call 1-877-302-8775.
-�'�.1�•�P19oY:RewpFlfF:fYrot§t,f1i1T?!:f7�•°.?�:•:•I<$ _. _.,_ _ ,•'
keep it upl cam jcp rewards platinum status again this
year and continue to enjoy these benefits next year.
-$15 birthday reward
-special $15 perks
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment maybe converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
Get the NEW Jodee
Post -Mastectomy
book for you or a
friend. Call 1-800-
932-4115 or log on
jepencey-jodee.com
1111111111111111111111111111111111111
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMS. —I
Account Number: delialiallinip
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
e'cf�ku��ctci;
..... ....... .....
$314.00
0723/2011
$6,282.09
FILL IN TOTAL PAID $ ri
u
New address or email? Print changes on the back
ETA EDA FTDADFTADTADTFAFDAFAATTFAI 1111FTAFDAA FCATDDAFDTTTFDDAFATFDT
P.O. Box 960090
Orlando FL 32896-0090
AFAFFAAAFADDDDTAAATDFATAATAFADFADTDFTTFAAATFFTFAAAAATFATFTAATTATF
5433 AlH 1 28 110630 PAGE 1 of 3 9119 0200 M175 01EA5433
The JCPenney Rewards Gold 1 Platinum Credit Card Program*
The JCPenney Rewards Gold / Platinum Credit Card Program offers many special benefits exclusively for our JCPenney Rewards
Gold /Platinum Credit Cardmembers, Including special S15Jcp perks and a $15 birthday earned Jcp reward.
Please visit jcp.comlcredit to learn more about the JCPenney Rewards Gold I Platinum Credit Card Program
Spend $500 or more on merchandise or services wih your JCPenney Rewards Credit Card over 2 or more unique shopping days in each calendar year to
earn or maintain jcp rewards gold status, Spend $1,000 or more on merchandise or services with your JCPenney Rewards Credit Card over 2 or more
unique shopping days in each calendar year to earn or maintain jcp rewards platinum status. We reserve the right to change or cancel the jcp rewards
gold / platinum program or any or all of its benefits at any time without notice, If your account is not in good standing and/or you no longer meet our credit
criteria, you may be ineligible for the jcp rewards gold / platinum program and/or unable to take advantage of jcp rewards gold I platinum program
promotions. The jcp rewards gold / platinum program is available only while you area resident of the contiguous 48 United States, Puerto Rico and
Alaska.
Credits To Your Account: An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied loyourprevious balance immediately upon receipt, but will not satisfy any requirements that maybe due.
Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Money Bank, Attn: Bankruptcy Dept., P0. Box 103104, Roswell, GA 30076.
Your Account is owned and serviced by GE Money Bank.
Hearing impaired: TDD users call 1-800-444-1732.
CustomerSeMce/Questions: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also majkquestions (but not payments) to: P.O. Box 965009, Orlando, FL
32896-5009. Please includeour account number on any correspondence you send to us.
Payments:Send payments to P.O. Box 960090, Orlando FL 32896-1090 orpay online.
Notice: See below foryour Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, please write to our Billing Inquiries Address, P.O. Box 965008, Orlando, FL 32896-5008.
Purchases, returns, and payments madejust prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your checkto make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same
day we receive your payment, and you wit not receive our check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment with the payment stub), in your own envelope — not the enclosed window envelope,
addressed to: RD. Box 530945, Atlanta, GA 30353-094 and not the Payment Address.
What To Do It You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Money Bank PO. Box 965008, Orlando, FL 32896-5008
Or, complete and mail or fax the Dispute Form found at
www.jcp.comlcred4
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount The dollar amount of the suspected error
• Description of Problem If you Think there is an error on your bill,
describe what you believe is wrong and whyyou believed is a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You may call us. but if
you do we are not required to investigate any potential errors and you may
haveto paytheamount in question.
While we investigate whether or not there has been an error, the following
are true:
• We cannot try to coded the amount in question, or report you as
deli ngvent on that amount.
• The change in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
made a mistake, you will not have to pay the amount in question or any interest
anther fees related tothat amount,
• While you do not have to pay the amount in question, you are
responsiblefathe remainder of your balance.
• We can apply any unpaid amount against your credit limit.
YourRightslf You Are Dissatis#ed With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried In good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home stale or within 100
miles of your current mailing address, and the purchase price must have been
more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you. or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account do not qualify
3. You must not yet have fully paid for the purchase.
If all of the criteria above
are met and youareare still dissatisfied with the
GE Mosnecontact
BankiPG Box wiltingin 65 0f a Orlando TFL 32896.5008
(www.jcpcoMcredit)
While we investigate, the same rules ap to the disputed amount as
discussed above. After we finish our investiga 'n, we will tell you our decision.
At that point, if we think you owe an amount and you do not pay we may report
you as delinquent.
Information About Payments: You may pay more than the Total
Minimum Payment at any time. Mailed payments received after 5:011 PM
(ET) on any day will becredded as of the next day Creditlayout Account may
be delayed up to five days if payment (a) is not received at the Payment
Address, (b) is not made in U.S. dollars drawn on a U.S. financial institution
located in the US, (c) is not accompanied by the remittance coupon attached
to your statement, (d) contains more than one payment or remittance
coupon, (e) is not received in the remittance envelope provided or (f) includes
staples, paper clips, tape, a folded check, or correspondence of any type.
Under ordinary circumstances, any payments made ata JCPenney store will
be credited as of the day you make such a payment. Akemativefy you may
make your payment online at the website address shown on your billing
statement, provided you make your payment in US. dollars from a bank
located in the U.S. Conditional Payments: All written communbalions
concerning disputed amounts, including any check or other payment
instrument that: p indicates that the payment constitutes"payment in tuff' or
is tendered as full satisfaction of a disputed amount; or (it is tendered with
other conditions or imilatlone ("Disputed Payments"), must be mailed or
delivered to us al PO Box96500B, Orlando, FL 32896-5008.
Credit Reports and Account Information: If you believe that we have
eported inaccurate information about you to a consumer reporting agency,
please contact us at P0. Box 965007, Orlando, FL 32896-5007. In doing so,
please identify the inaccurate information and tell us why you believe itis
ncarect. If you have a copy of the credit report that includes the inaccurate
nformalon, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other defaults on your account may be reflected in your creditrepo rt.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance includinggtrycurrent transactions): We figure
the interest charge on your account t applying the periodic rate to the
"average daily balance' of your account To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interest charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle. This gives us the
"average daily balance." which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero will be
treated as zero. A separate average daily balance will be calculated for each
balancetype onyouraccount.
B. The same as Method A, except unpaid Interest Charges are not included
in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance.
D. The same as Method C, except unpaid Interest Charges are not included
in thebeginning balance
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the daily balance" of your account for each
day in the billing cycle. We then add the interest to the dairy balance To get the
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges,gnd applicable fees,
and subtract any payments or credits. This gives us the daily balance. Any
daily balance of less than zero will be treated as zeroA separate daily
balance will be calculated for each balance type on your account. The
balance(s) shown in the Interest Charges section of this statement is the sum
of the daily balances for each day in the billing cycle divided by the number of
days in the billing cycle
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge; C=Commercial.
You can request to receive statements in Spanish by calling customer
service numberat 1-800-542-0800.
01 EA5433 - 9 - 05120/2011
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on youraccount, you consent to GE Money Bank and anyother owner or servicer of your account contacting you about
your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing
system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the boa and print the changes below.
Street
Address
City, State,
❑
Zip
Phone #
E-mail
Home Phone If Business Phone # 'Cell If or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
bonus!
Earn 50 bonus points on your first qualifying purchase of the following JCP
exclusive brands from July 1 - July 31, 2011: rewards
women
f1irtitude-
men
home kids
LIZ clalborne I ZOD
Home & Luggage School Uniforms
All bonus points will be automatically added to your account and appear in your next AP Rewards monthly e -statement. Bonus points are available to ICP Rewards members in
the United States and Puerto Rico. Bonus points apply only to the first non-dearance purchase made in each category listed above between 07/1/11 and 07/31/11. This offer is
not applicable toward previously purchased merchandise. This offer can be combined with other offers. No discount code is required at checkout. Other offers/discounts, taxes,
duties, gift cards, shipping & handling do not qualify for bonus points.
�fJ�l`�x':IOd:�*.......rr:;:tiiii•,:•,:;{:;:•.:::::::::::::$::�r:�:i;:i; ; :;:•,:,i;:;:;}:} :•,:;i:;i::•.{i::<}:: :•,� :i:� �:�::\� L�:�:�7;:2}}::}}} � :;� :;;:;:::;:;:;::i v:CLitti:�
Date Reference Number
06/09 P9119005100Y281TA R CAPITAL CITY MALL CAMP HILL PA
BIG/TALL SPTSWR
06/28 P9119005KOOXTMSKP PAYMENT - THANK YOU
FEES
06/23 LATE FEE
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
06/30 INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
ottli
Total Fees Charged in 2011
Total Interest Charged in 2011
$60.00
$782.32
Amount
$79.95
($317.00)
$35.00
$35.00
$130.63
$130.63
$itCk'it't'r�),r.,u.,.�. .�'.1�4Vitlli4h`:::a<:•,:>:� :<`v:� `v:�;t�it� �:`v::i:� tt�:;":aav � ate �.'•i'i>:i
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
Annual
Expiration Percentage
Date Rate
NA
NA
Balance
Subject To Interest Balance
Interest Rate Charged Method
26.99% $1372.00 $30.44 E
23.99%
$5.080.70
$100.19
E
.4'`dti$Oiffit$tl:�tkdkn.SF�iih41YW041•::: h:•:•:•:•:•.':i � v :::'y'::•:•:•:•i:y:::: �:•;• r �:•:•rrJ � � ::::•.'i? �1; �:•:•:•:•:�5i �;j:j::i , :j}i';•i}::fY:� <�
JCP Rewards - As a JCPenney Rewards Credit Card member, you arc automatically enrolled in JCP Rewards, our loyalty
program) Earn 25% bonus points when you use your JCPenney Rewards Credit Card. Go to jcprewnrds.com for more
information.
Monitor your Account 24/7. Enroll in free eServicing at jcp.com/credit and take advantage of the easy way to: view recent
transactions, check your balance, update personal information and much more.
easjspirit.
SEASY SUMMER
E
5433
ASH
7 28 110630
It only happens
once a year!!
June 14 -July 17, 2011
Easy Spirit Women's sport
and casual shoes
39.99-59.99
Shop for Easy Spirit shoes in store or at jcp.com
PAGE 2 of 3 9119 0200 M175 01EA5433
it doesn't get better
than platinum
congratulations, you're loyalty royalty!
your jcpenney rewards platinum credit card
status' brings you special benefits, including:
$155 birthday earned jcp reward
special $15 jcp perks
earn up to $30 in jcp rewards each month**
'check out the jcpenney rewards credit card status section
"go to jcprewards.com/credit & click on "how it works"
or visit your local store for details
JCPenney
LEONARD C BEISH
Account Number: 11111111111.1.
:Si12iY�!;P1:2?CekliAt:A k ii :i+i < itt2EL:ii
Previous Balance
- Payments
+ Purchases/Debits
+ Fees Charged
+ Interest Charged
$6,28.2.09
$314.00
$146.47
$35.00
5132.83
New Balance $6,282.39
Credit Limit $7,000.00
Available Credit $717.00
Statement Closing Date 0701/2011
Days in Billing Cycle 31
J y4�.kid)40*.g :4.1Mgig#40.Wit * ' ? it ?r.•r'
Current Status: JCP Rewards Platinum
total year to date spend
additional spend needed to reach/maintain:
-jcp rewards gold status
-jcp rewards platinum status
5938.26
$0.00
$61.74
Visit us at jcp.com/credit
Customer Service: 1-800-527-7717
PO Box 965009 Orlando FL 32896-5009
New Balance $6,282.39
Total Minimum Payment Due $314.00
Payment Due Date 0823/2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to S35.00.
Minimum Payment Waming: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
',,:tik6K iYa?si
;
Yi?
`;';:t2ib3hflW1C$:fiJht
'04 1. d4;2
r? BGv? l#
23iCkbi4dit,' :K,it3 it :
Only the Minimum
payment
8 years
$10,460.00
If you would like information about credit counseling
services , call 1-877-302-8775.
�4'FFPA��?l�PP14':�`'¢R9�i4�k�kkh?t4°#$ri�t�tr:,•'i � ti�S; S?
almost there] eamjcp rewards platinum status again
this year and continue to enjoy these benefits next year.
-$15 birthday earned jcp reward
-special $15 jcp perks
-cam up to $30 in jcp rewards each monthl'
ego tojcprewards.condcredit & click on "how it works"
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR 1N -STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB.
Account NumbeilliMMINIIIIIIP
JCP REWARDS - Earn
25% BONUS points
when you use your
JCPenney Rewards
Credit Card]
www.jcprewurds.com
1111111111111111111111111111111111 111
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
. !;Syipih-iliii ioiof
.... a•�P'}tIb011{:�' AHP}:
ijyf;:e±it;i?..:...t .
$314.00
0823/2011
$6.282.39
FILL IN TOTAL PAID $ n n n n
.nn
New address or email? Print cha igcs on the back.
TTFDAFDFTFFAFTADF I TTDDFADDTTDTFFDFATTDDAADTFDDAFTDDFFFDDTFDTFFDTF
P.O. Box 960090
Orlando FL 32896-0090
TFDTTTFFTFTFDAFADAFAAFFDDATTDTTATAAAFAATTDATFFTFDFDFFAFDDADDFTDFA
5433 A1n 1 7 25 110731 PAGE 1 of 3 9119 0200 51175 01005433
The JCPenney Rewards Gold 1 Platinum Credit Card Program*
The JCPenney Rewards Gold I Platinum Credit Card Program offers many special benefits exclusively for our JCPenney Rewards
Gold / Platinum Credit Cardmembers, Including special $15 jcp perks and a 415 birthday earned Jcp reward.
Please visitjcp.com/credit to learn more about the JCPenney Rewards Gold / Platinum Credit Card Program
' Spend Met more on merchandise or services with your JCPenney Rewards Credit Card over 2 or more unique shopping days in each calendar year to
earn or maintain jcp rewards gold slatus. Spend 61,000 or more on merchandise or services with your JCPenney Rewards Credit Card over 2 or more
unique shopping days in each calendar year to earn or maintain jcp rewards platinum status. We reserve the right to change or cancel the jcp rewards
gold / platinum program or any or all of its benefits at anytime without notice. If your account is not in good standing and/or you no longer meet our credit
criteria, you may be Ineligible for the jcp rewards gold / platinum program and/or unable to take advantage of jcp rewards gold I platinum program
promotions. The jcp rewards gold / platinum program is available only while you area resident of the contiguous 48 United States, Puerto Rico and
Alaska.
Credits To Your Account: An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied toyourprevious balance immediately upon receipt, butwill not satisfy any requirements that may bedue,
Bankruptcy Notice:If you file bankruptcy, you must send us notice, including account number and all information relatedto the proceeding to the following
address: GE Money Bank, Attn: Bankruptcy Dept., P.O Box 103104, Roswell, GA 30076.
Your Account Is owned and serviced by GE Money Bank.
Hearing Impaired: TDD users call 1-800-444-1732.
CustomerServlce7Questions: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32696.5009. Please include your account number on any correspondence you send to us.
Payments: Send payments to P.O. Boa 960090, Orlando FL 32896-0090or pay online.
Notice: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, please write to our Billing Inquiries Address, P.O. Box 965008, Orlando, FL32896-5008.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from yourcheckto make an electronic fund transfer, funds may be withdrawn from your account as soon as the same
day we receive your payment, and you win not receive our check back from your financial Institution. You may choose not to have your payment
collected electronically by sending your payment with the paymen stub), In your own envelope — not the enclosed window envelope,
addressed to: PG. Box 530945, Atlanta, GA 30353.094 and not the Payment Address.
What To Do if You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Money Bank PO Box 965008, Ovando, FL 32896-5008
Or, complete and mail or fax the Dispute Form found at
wwwjcp.com/credit
In your letter, give us the stowing information
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error
• Description of Problem' If you think there is an error on your bill,
describe what you believe is wrong and whyyou believe it h a mistake.
You must contact us within 60 days after the error appeared on your
statement
You must notify us of any potential errors in writing. You may call us. but if
you do we are not required to investigate any potential errors and you may
havetopaytheamount in question.
While we investigate whether or not there has been an error, the blowing
arelrue:
• We cannot try to collect the amount in question. or report you as
delinquent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
made a mistake, you will not navels paythe amount in question or any interest
or other fees related to that amount.
• While you do not have to pay the amount in question, you are
responsible for the remainder of your balance.
• We can appy any unpaid amount against your credit limit.
YourRlghtsI You Are Dissatisfied With YourCredit Card Purchases
If you are dissatisfied wflh the goods or services that you have purchased
with pour credit card, and you have tried in good faith to correct the problem
wkh the merchant, you may have the right not to pay the remaining amount
due en the purchase.
To use this right, all of the following must be true
1. The purchase must have been made m your home state or within 100
miles of your current mailing address, and the purchase price must have been
more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you, or if we own the company that
sold you the goodsorservices.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account do not qualify.
3. You must not yet have fully paid far the purchase.
If all of the criteria above are met and you are still dissatisfied with the
GE Moe, Bank PO in
965008, writing
g Orlando,
FL at:
Orlando, FL 32896-5008
(www.Jcpcom/credit)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation. we will tell you our decSion.
At that point, if we think you ave an amount and you do not pay we may report
you as delinquent.
Information About Payments: You may pay mom than the Total
Minimum Payment at any time. Mailed payments received after 5:00 PM
(ET) on any day will be credited as of the next day. Credit to your Account may
be delayed up to fate days if payment (a) is not received al the Payment
Address, (b) s not made in U.S. dollars drawn on a U.S. financial institution
located in the US., (c) 's not accompanied by the remittance coupon attached
to your statement, (d) contains more Than one payment or remittance
coupon, (e) is not received in the remittance envebpe provided orf) includes
staples, paper clips, tape, a folded check, or correspondence of any type.
Uncle' ontinary circumstances. any payments made at a JCfenneystore will
be credited as of the day you make such a payment. Alternatively you may
make your payment online at the website address shown on your billing
statement, provided you make your payment in U.S. dollars from a bank
boated in the U.S. Conditional Payments: All written communications
concerning d'sputed amounts, including any check or other payment
instrument that: )i) indicates that the payment constitutes "payment in fulr or
is tendered as full satisfaction of a deputed amount; or (iI) is tendered with
other conditions or limitations ('Disputed Payments"), must be mailed or
delivered to us at PO. Box 965008 Orlando, FL 32896-5008.
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about you to a consumer reporting agency,
please contact us at P.O. Box 965007, Orlando. FL 320965007. In doing so,
please identify the inaccurate information and tell us why you believe ft is
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other defaults on your account maybe reflected in your creditreporf.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance including current transactions): We figure
the interest charge on your account by applying the periodic rate to the
"average daily balance" of your account. To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interest charges horn the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle. This goes us the
"average daily balance." which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero wilt be
treated as zero. A separate average daily balance will be cebulated for each
balancetype on youraccount.
B. The same as Method A, except unpaid Interest Charges are not included
in the begin ping balance.
C. The same as Method A, except new Purchases are not included in the
daily balance,
D. The same as Method C, except unpaid Interest Charges are not included
in the beginning balance.
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the 'daily balance" of your account for each
day in the billing cycle. We then add the interest to the daily balance To get the
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. Any
daily balance of less than zero will be treated as zero. A separate daily
balance will be calculated for each balance type on your account. The
balances) shown in the Interest Charges section of this statement is the sum
of the daily balances breach day in the billing cycle divided lythe number of
days in thebilling cycle.
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Mayr Purchase Charge, C=Commercal.
You can request to renew statements in Spanish by calling customer
service number at 1 -B00-542-0800.
01 EA5433 - 9 - 05/20/2011
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on your account. you consent to GE Money Bank and any other owner or servicer of your account contacting you about
your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing
system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below
Street
Address
City, State,
Zip
Phone #
E-mail
Home Phone 11 Business Phone # 'Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
bonus!
Earn 50 bonus points on your first qualifying purchase of the following
brands from Aug. 1 — Aug. 31, 2011:
women
men
Levi's
home
kids
JCP
rewards
shoes
all family
footwear
All bonus points will be automatically added to your account and appear in your next jcp rewards monthly e•statement. Bonus points are available to jcp rewards
members in the United States and Puerto Rko. Bonus paints apply only to the first nontlearance purchase made in each category listed above between 08/1/11 and
08/31/11. This offer is not applicable toward previously purchased merchandlse.lhis offercan be combined with other offers. Ho discount code is required at checkout.
Other offers/discounts, taxes, duties, gift cards, shipping & handling do not quality for bonus points.
11'.411: 5ib$il......::: < S •`::::< ::::::i :f :fi::f::::r :: : `:•`3rr': :::: 'r:£ 2:: :< :::f::::::::::•`:2:::t : rr 2 : ; : 13r
Reference Number
Type Description of Transaction or Credit
07/22 P9119006D0ISQ3NQY R JCP CAT LOGISTIC MANCHESTER CT
FOR QUESTIONS CALL
1.800-709-5777
CATALOG INV. 35442121
WAREHOUSE SHIPMENT
07/25 P9119006EOOXTNI OW PAYMENT -THANK YOU
07/25 P9119006G0ISLNG4K R JCP CAT LOGISTIC MANCHESTER CT
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 35442120
FACTORY SHIPMENT
FEES
07/23 LATE FEE
07/31
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
is28'st•P9446. sa:? ?«r
595.00
S915.15
Total Fees Charged in 2011
Total Interest Charged in 2011
Amount
$119.98
(5314.00)
S26.49
$35.00
$35.00
5132.83
$132.83
i(i#01, :�u�{l�l�'dllOi�::•:•i s?::•:•:?t:}:<•:•}:?•:•} :{•:•}i} }}:•:•;: ?{? •:•: i•:•:i :? }:•:•'+i•:•: i}: Li?'.•;:} ;:•,:v::::•:•:>+i{{iifi'i:?: ii +{iii ti::;:•,'i:•
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rote Charged Method
NA
NA
26.99% $1,506.08 534.53 E
23.99%
$4.824.11
598.30
E
4.1:4tidd: Jitc• a:: • 6t6lbtidr:;........................................................:...................:............:.:.
JCP Rewards . As a JCPcnncy Rewards Credit Card member, you are automatically enrolled in JCP Rewards, our loyalty
program] Earn 25% bonus points when you use your JCPcnncy Rewards Credit Card. Go tojcprewards.com for more
information.
Monitor your Account 24/7. Enroll in free eServicing at jcp.com/credit and take advantage of the easy way to: view recent
transactions, check your balance. update personal information and much more.
save in store & at jcp.com'
july 17 - august 29, 2011 •
- Whether you're redecorating or just updating, it's time to .
save on our entire stock of bedding, bath, window coverings, cookware
and kitchen electrics, lamps, rugs, furniture and mattresses.
it only happens twice a year!
!chum, you're priceless!
congratulations! you've reached jcpenney rewards platinum
credit card statusl* now you'll enjoy all the special benefits of
being loyalty royalty, including:
$15 birthday earned jcp reward
special $15 jcp perks
earn up to $30 in jcp rewards each month!**
"check out the jcpenney rewards credit card status section
"go to jcprewards.conVcredit & click on "how it works" or visit your local store for details
Menney
Summary of Account Activity
LEONARD C BEISH
Account Number: 1111111111111/1111,
Previous Balance
+ Purchases/Debits
+ Fees Charged
+ Interest Charged
56,282.39
$267.00
$35.00
$139.48
New Balance
$6,723.87
Credit Limit $7:000.00
Available Credit $276.00
Statement Closing Date 08/31/2011
Days in Billing Cycle 31
ii„ggeiggit
current status: jcp rewards platinum
total year to date spend
additional spend needed to reach/maintain:
-jcp rewards gold status
-jcp rewards platinum status
$1,205.26
$0.00
50.00
Visit us at jcp.com/crcdit
Customer Service: 1-800-527-3369
PO Box 965009 Orlando FL 32896-5009
Payment ent Infornuu ion
New Balance
Minimum Payment This Period
Amount Past Duc
Total Minimum Payment Due
Payment Due Date
56,723.87
$336.00
$314.00
5650.00
09/23/2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above. you may have to pay a late
fee up to $35.00.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
1 *kV
:1 .1vba td4
."?:II>Y?Y,jb�t:K9h
:;;{:; �T'tlL'Ii10, b: } ::
Ali ;:;::
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9?S;> 9'* 10911 <::•:•:,
:s 100?e9tla9 }•};
: ;t;: i?•Fr6:: r:t
::i:;5 v:<: }
Only the Minimum
payment
9 years
811,018.00
If you would like information about credit counseling
services , call 1-877-302-8775.
*,d >x ,q.
congratulations] your jcpcnney rewards platinum credit card
brings you these special benefits:
-$15 birthday earned jcp reward
-special $l5jcp perk
-earn up to $30 in jcp rewards each month]*
ago tojcprewards.com/credit & click on "how it works"
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may he converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB.
111111111111111111II 11111111111111 111
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Tout Minimum Amount Past Due
Payment Due
$650.00
5314.00
Account Num,
Payment New Balance
Due Date
1 1
FILL IN TOTAL PAID $ ❑
New address or email? Print changes on the back.
n. n
FATDTFTATTFDFDDFDATFDDTDFDDTADFADDDADA 11 I FAATATTADFADADFATDATFATT
P.O. Box 960090
Orlando FL 32896-0090
FF FA FTAT F ATTD TTT A A FD FA DT FTD A A DTA DTDTTFFA A A FDD T A A A FFA A FA D FTFFTTTA F
5433 119H 1 7 28 110831 D PAGE 1 of 3 9119 0200 M175 01E05433
The JCPenney Rewards Gold / Platinum Credit Card Program*
The JCPenney Rewards Gold 1 Platinum Credit Card Program offers many special benefits exclusively for our JCPenney Rewards
Gold / Platinum Credit Cardmembers, Including special $l5Jcp perks and a $15 birthday earned Jcp reward.
Please visitjcp.comleredit to learn more about the JCPenney Rewards Gold I Platinum Credit Card Program
Spend $500 or more on merchandise or services with your JCPenney Rewards Credit Card over 2 or more unique shopping days in each calendar year to
earn or maintain jcp rewards gold status. Spend $1,000 or more on merchandise or services w/h your JCPenney Rewards Credit Card over 2 or more
unique shopping days in each calendar year to earn or maintain jcp rewards platinum status. We reserve the right to change or cancel the jcp rewards
gold / platinum program or any or allot its benefits at any lime without notice. If your account is not in good standing and/or you no longer meet our credit
criteria, you may be ineligible for the jcp rewards gold / platinum program and/or unable to take arNantage of jcp rewards gold I platinum program
promotions. The jcp rewards gold / platinum program is available only while you are a resident of the contiguous 48 United States, Puerto Rico and
Alaska.
Credits To Your Account: An amount shown in parenthesisor preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied loyour previous balance immediately upon receipt, but will not satisfy any requirements that may bedue.
Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding lathe following
address: GE Money Bank, Attn: Bankruptcy Dept., P.O. Box 103104, Roswell, GA 30076.
Your Account is owned and serviced by GE Money Bank.
Hearing Impaired: TDD users call 1-600-444-1732.
CustomerService/Questions: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement. your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32896.5009. Please include your account number onanycorrespondence you send to us.
Payments:Send payments to P.O. Boa 960090, Orlando FL 32896-0090oryonline.
Notice: See below for your Billing Rights and other important information, Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, pleasewrite to our Billing Inquiries Address, P.O. Box 965008, Orlando, FL 32896-5008.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), in your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353-0945 and not the Payment Address.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Money Bank PO..Boa 965008, Orlando, FL 328965008
Or, complete and mail or fax the Dispute Form found at
wwwwjcp.com/credt
In your letter, give us the following information:
• Account information:: Your name and account number.
• Dollar amount The dollar amount of the suspected error
• Description of Problem: If you think there is an error on your hill,
describe what you believe is wrong and whyyou believe it is a mistake.
You must contact us wihin 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You may call us, but if
you do we are not required to investigate any potential errors and you may
havelo paytheamount in question.
While we investigate whether or not there has been an error, the following
aretrue:
• We cannot try to collect the amount in question, or report you as
deli nguent on that amount
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
made a mistake, you will not have to pay the amount in question or any interest
orather fees related toihat amount.
• While you do not have to pay the amount In question, you are
responsible torthe remainder of your balance.
• We can apply any unpaid amount against your credit limit.
YourRlghts H You Are Dissatisfied With YourCredit Card Purchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith In correct the problem
with the merchant. you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, andihe purchase price must have been
more than $50. (Note: Neither of these are necessary if your purchasewas
based on an advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account do not qualify
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in writin• orelectronical at:
GE Money Bank PO. Box •.. 608, Orlando, Fl. 32896-5008
(wwwjcp.coMcredit)
While we investigate, the same rules apply to the disputed amount as
discussed above After we finish our investigation, we Willett you our decision.
At that point, if we think you owe an amount you do not pay we may report
you as delinquent.
Information About Payments: You may pay mom than the Total
Minimum Payment at anytime. Mailed payments received after 5:00 PM
(ET) on any day will be credited as of the next day. Credit loyourAccount may
be delayed up to free days if payment (a) is not received at the Payment
Address, (b) is not made in U.S. dollars drawn on a US. financial institution
located in the U.S., (c) s not accompanied by the remittance coupon attached
to your statement, (d) contains more than one payment or remittance
coupon, (e) is nd received in the remittance envelope provided cry) includes
staples, paper clips, tape, a folded check, or correspondence of any type.
Under ordinarycircumstances, any payments made ata JCPenneystore will
be credited as of the day you make such a payment. Alternatively you may
make your payment online at the website address shown on your billing
statement, prodded you make your payment in U.S. dollars from a bank
located in the U.S. Conditimal Payments: All written communications
concerning disputed amounts, including any check or other payment
instrument that: (i) indicates that the payment constitutes " constitutes *payment in full' or
is tendered as full satisfaction of a disputed amount; or (ii) Is tendered with
other conditions or Imitations ("Disputed Payments.), must be mailed or
delivered to us at P.O. Box 965008 Orlando, FL 32896-5008
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about you to a consumer reporting agency,
please contact us at P.O. Box 965007, Orlando, FL 32896-5007. In doing so,
please identify the inaccurate information and fell us why you believe it is
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please includes copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other defaults on your accountmay be reflected in your credit report.
Balance Subject To (Merest Charge Calculation
A. (Average Daily Balance Including current transactions): We figure
the interest charge on your account by applying the periodic rale to the
"average daily balance" of your account. To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interest charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle This gives us the
"average daily balance," which is the balance shown in the Interest Charges
section of this statement, Any average daily balance of less than zerowiltbe
treated as zero. A separate average daily balance will be cakulaled for each
balance type on you r account.
B. The same as Method A, except unpaid Interest Charges are not included
in the begin ning balance.
C. The same as Method A, except new Purchases are nit included in the
daily balance.
D. The same as Method C, except unpaid Interest Charges are not included
in thebeginning balance.
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the 'daily balance" of your account for each
day in the billing cycle. We then add the interest tothe daily balanceTo get the
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add aqy new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. Any
daily balance of less than zero will be treated as zero. A separate daily
balance will be calculated for each balance type on your account. The
balance(s) shown in the Interest Charges section of this statement is the sum
of the daily balances for each day in the billing cycle divided by the number of
days in the billing cycle.
Balance Type on the face of this statement refers to the following payment
method: R=RegularCharge; M=MajorPurchase Charge; C=Commercial.
You can request to recene statements in Spanish by calling customer
service numberat 1-800-542-0800.
01EA5433 - 9 - 05/20/2011
This is an attempt to collect a debt and any Information obtained will be used for that purpose.
'By providing a telephone number on your account, you consent to GE Money Bank and any other owner or servicer of your account contacting you about
your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic lelephilne dialing
system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below.
Street
Address
City, State,
Zip
Phone #
E-mail
Home Phone # Business Phone if `Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
bonus!
earn 50 bonus points on your first qualifying purchase
of the following brands from September 1 - 30, 2011:
women
MNCr...�o
men
VANHEUSEN
home
window
coverings
kids
carters•
accessories
women's
boots
jewelry
diamond
jewelry
All bonus points will be automatically added to your account and appear in your next jcp rewards monthly e -statement Bonus points are available to jcp rewards
members In the United States and Puerto Rico. Bonus points apply only to the first non -clearance purchase made in each category listed above between 09/1/11 and
09/30/11.Thiscffer is notapplicable toward previously purchased merchandise.This Arran be combined with otheroffers. No discountcode is required at checkout
Other offers/discounts, tares, duties, giftcards, shipping & handling do notqualify for bonus points.
Transaction Summary
Tran
Date Reference Number
Balance
Type Description of Transaction or Credit
08/02 P9119006POIV62M4B R JCP CAT LOGISTIC MANCHESTER CT
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 35566795
WAREHOUSE SHIPMENT
08/03 P9119006ROIV7135W R JCP CATLG LOGISTIC CTR COLUMBUS OH
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 22304346
WAREHOUSE SHIPMENT
08/05 P9119006V01SD76FM R JCP CATLG LOGISTIC CTR LENEXA KS
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 52554962
WAREHOUSE SHIPMENT
FEES
08/23 LATE FEE
08/31
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2011 Totals Year -to -Dam
Total Fees Charged in 2011
Total Interest Charged in 2011
$130.00
$1054.63
Amount
$69.96
$79.47
$117.57
$35.00
S35.00
$139.48
$139.48
Interest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
is the annual interest rate on your account.
Expiration
Date
Annual
Percentage
Rate
Balance
Subject To Interest Balance
Interest Rate Charged Method
NA 26.99% $1,926.60 $44.17 E
NA
23.99%
$4.677.31
$95.31
E
C rdmcnsher News St hstormauun
Your account reflects an amount past due. If you are having difficulty
making this payment, we have several temporary repayment options
available to help make things easier for you. Call 1-800-527-3369
today to find out if you are eligible for one of our payment options.
Your Total Minimum Payment Due on this statement includes the Amount Past Due (if any) shown.
C: riltne sber Benefits & Informmion
jcp rewards - As a jcpcnney rewards credit cardmember, you arc automatically enrolled in jcp rewards, our loyalty program]
Earn 25% bonus points when you use yourjepenncy rewards credit card. Go tojcprewards.com for more information.
Monitor your Account 24/7. Enroll in free elervicing atjcp.com/credit and take advantage of the easy way to: view recent
transactions, check your balance, update personal information and much more.
5433 a91-1 1 7 28 110831 a PAGE 2 of 3 9119 0200 n175 01EA5433
you're tops, glerdnum.
congratulations! you've reached jcpenney rewards platinum
credit card statusl now you'll enjoy all the special benefits of
being loyalty royalty, including:
$15 birthday earned jcp reward
special $15 jcp perks
earn up to $30 in jcp rewards each month!**
`check out the icpenney rewards credit card status section
"go to icprewards.com/credit & click "how it works" or visit your local store for details
Menney
Summary of Account Activity
LEONARD C BEISH
Account Number
Previous Balance
- Payments
+ Interest Charged
$6,723.87
$651.00
$131.23
New Balance
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
$6,204.10
$7,000.00
$795.00
09/30/2011
30
w.;'a„:::
current status: jcp rewards platinum
total year to date spend
additional spend needed to reach/maintain,
-jcp rewards gold status
-jcp rewards platinum status
$1,205.26
$0.00
$0.00
Visit us at jcp.com/credit
Customer Service: 1-800-527-7717
PO Box 965009 Orlando FL 32896-5009
Payment lnlinnnnion
New Balance
Total Minimum Payment Due
Payment Due Date
$6,204.10
5310.00
1023/2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $35.00.
Minimum Payment Waming: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
iii44l itho
i. ?Rlfi ?R!i??i:i> ?
:ri4!�leP?�1;4?Q�tia::• }}::•:•',•'i
o
,p fiiti
r,•' #Qdp38 9 i <:;?
ttepeo iR:}:: o
tt i i? 1?? iath
i? y3Cdk?t..
!
H < ttt?i
Only the Minimum
payment
8 years
$10,383.00
If you would like information about credit counseling
services ,call 1-877-302-8775.
congratulations] your jcpenney rewards platinum credit card
brings you these special benefits:
-$15 birthday earned jcp reward
-special $15 jcp perks
-earn up to $30 in jcp rewards each month)'
ego tojcprewards.com/credit & click on "how it works”
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB.
11111111111111111111 1111111110111 III
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Total Minimum
Payment Due
$310.00
Account Number:
Payment Due Dale
New Balance
$6,204.10
FILL IN TOTAL PAID $ ........
New address or email? Print changes on the back.
—I
TTFTATDFADAADTAAFTFTFDFATDAFDATADAADTFDFADFDFFFATDTDFFDTTATTDADAF
P.O. Box 960090
Orlando FL 32896-0090
AAFTFDTATAATFFTFFFADTTDAFFAAAFTDADDTATDFFFADTTATFTFADDDDATDFTATFD
5433 H9H 1 7 28 110930 PAGE 1 of 3 9119 0200 M175 01EA5433
The JCPenney Rewards Gold / Platinum Credit Card Program*
The JCPenney Rewards Gold / Platinum Credit Card Program offers many special benefits exclusively for our JCPenney Rewards
Gold / Platinum Credit Cardmembers, Including special 515 Jcp perks and a $15 birthday earned Jcp reward.
Please visitjcp.comlcredit to learn more about the JCPenney Rewards Gold I Platinum Credit Card Program
• Spend $500 or more on merchandise or services with your JCPenney Rewards Credit Card over 2 or more unique shopping days in each calendar year to
earn or maintain jcp rewards gold status. Spend 51,000 or more on merchandise or services with your JCPenney Rewards Credit Card over 2 or more
unique shopping days in each calendar year to earn or maintain jcp rewards platinum status. We reserve the right to change or cancel the jcp rewards
gold / platinum program or any or all of As benefits at any time without notice. If your account is not in good standing and/or you no longer meet our credit
criteria, you may be ineligible for the Jcp rewards gold / platinum program and/or unable to take advantage of jcp rewards gold 1 platinum program
promotions. The jcp rewards gold / platinum program is available only while you are a resident of the contiguous 48 United States, Puerto Rico and
Alaska.
Credits To Your Account: An amount shown In parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied to your previous balance immediately upon receipt, but will not satisfy any requirements that maybe due.
Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Money Bank, Attn: Bankruptcy Dept., 00. Box 103104, Roswell, GA 30076,
Your Account Is owned and serviced by GE Money Bank.
Hearing impaired: TDD users call 1-800-444-1732.
Customer Service/Questions: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: 00. Box 965009, Orlando, FL
328965009. Please include your account number on any correspondence you send boa.
Payments: Send payments to 00. Box 960090, Orlando FL 32696.0090or pay online.
Notice: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, please write to our Billing Inquiries Address, P.O. Box 965008, Orlando, FL 32896-5008.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment. you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from youraccount as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), In your own envelope — not the enclosed window envelope,
addressed to: 00. Box 530945, Atlanta, GA 30353-0945 and not the PaymentAddress.
What To Do If You Think You Find A Mistake On Your Statement
If ynu think there is an error on your statement, write to us al the Billing
Inquiries Address of:
GE Money Bank P0. Box 965008, Orlando, FL 32896.5008
Or complete and mail or fax the Dispute Form found at
www.jcp.com/credit
In your letter, give us the following information:
• Account information: Your name and account number
• Dollar amount: The dollar amount of the suspected error
• Description of Problem' If you think there Is an error on your bill,
describe whalyou believe is wrong and whyyou believe A is a mistake.
You must contact us within 6D days after the error appeared on your
statement.
You must notify us of any potential errors M writing. You may call us, but if
you do we are not required to investigate any potential errors and you may
haveto paythe amount inqueslicn.
While we investigate whether or not there has been an error, the following
aretrue:
• We cannot try to collect the amount in question. or report you as
delinquent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
made a mistake, you will not have to paythe amount in question orany interest
or other fees related to that amount.
• While you do not have to pay the amount in question, you are
responsible forihe remainder of your balance.
• We can apply any unpaid amount against your credit limit.
YourRightslf You Are Dissatisfied With YourCredit CardPurchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right riot to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have been
more than $50. (Note: Neither of these are necessary If your purchase was
based on an advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM orw/h a check that accesses your credit
card account dead qualify
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase. contact us in writing orelectronically) at:
GE Money Bank B0. Box 95.W8, Orlando, FL 32896-5008
(www.jcp.com/cretlrt)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our decision.
At that point, if wethin k you owe an amount arid you do not pay we may report
you as delinquent.
Information About Payments: You may pay more than the Total
Minimum Payment at an time. Mailed payments received after 5:00 PM
(ET)on any day will be credited as or the next day. Credit to your Account may
be delayed up to five days if payment (a) is not received at the Payment
Address, (b) is not made in U.S. dollars drawn on a U.S. financial institution
located in the U.S., (c) is not accompanied by The remittance coupon attached
to your statement, (d) contains more than one payment or remittance
coupon, (e) isnot received o the remittance envelope provided orf) includes
staples, paper clips, tape, a folded check, or correspondence of any type.
Underordinarycircumstances. any payments made at a JCPenney store will
be credited as of the day you make such a payment. Alternatively you may
make your payment online at the website address shown on your billing
statement, provided you make your payment in U.S. dollars from a bank
located in the U.S. Conditional Payments: All written communications
concerning disputed amounts, including any check or other payment
instrument that: 6) indicates that the payment constitutes "payment infur' or
S tendered as full satisfaction of a disputed amount; or (ii) is tendered with
other conditions or limitations ("Disputed Pa mems"(, must be mailed or
delivered to us at PO. Box 965008, Orlando, FL32896-5006
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about you to a consumer reporting agency,
please contact us at P.O. Box 965007, Orlando, FL 32896-5007. In doing so,
please identify the inaccurate information and tell us why you believe A is
Incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a cop/ of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other defaults on your account maybereflected inurcredit report.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance includingg current transactions): We figure
the interest charge on your account oy applying the periodic rate to the
"average daily balance" of your account{. To get the "average daily balance
we take the beginning balance of your account each day, which includes any
unpaid interest- from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle This gives us the
"average daily balance," which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero will be
treated as zero. A separate average daily balance will be calculated for each
balancetype on your account.
B. The same as Method A, except unpaid Interest Charges are not included
in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daiN balance.
D. The same as Method C, except unpaid Interest Charges are not included
in the beginning balance
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the daily balance" of your account for each
day in the billing cycle. We then add the interest to the daily balance. To get the
"daily balance we lake the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. Any
daily balance of less than zero will be treated as zero. A separate daily
balance will be calculated for each balance type on your account The
balance(s) shown in the Interest Charges section of this statement is thesum
of the daily balances for each day in the billing cycle divided by the number of
days in the billing cycle.
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge, C=Commercial.
You can request to receive statements in Spanish by calling customer
service number at 1-800-542-0800.
01EA5433 - 9 - 05/20/2011
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on youraccount, you consent to GE Money Bank and any other owner or servicer of your account contacting you about
your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing
system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below.
Street
Address
City, Stale,
Zip
Phone #
E-mail
Home Phone # Business Phone # •Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
bonus!
earn 50 bonus points on your first qualifying purchase
of the following brands from october 1 - 31, 2011:
women
Liz clalborne
fine jewelry
watches
kids
shoes
CALL IT
SPRING
men
clalborne
home
Calphalon
All bonus points will be automatically added to your account and appear in your next jcp rewards monthly e -statement. Bonus points are available MO rewards
members in the United States and Puerto Rico. Bonus points apply only to the first purchase made in each category listed above between 10/1/11 and 10/31/11. This
offer is not applicable toward previously purchased merchandise. This offer can be combined with otheroffers. No discount code is required at checkout. Other offers/
discounts, taxes, duties, gift cards, shipping & handling do not qualify for bonus points.
Transaction Sununu y
Tran
Date Reference Number
09/06 P9119007TOOXTNBMY
09/20 P9119008700XTM W OO
Balance
Type Description of Transaction or Credit
PAYMENT THANK YOU
PAYMENT - THANK YOU
FEES
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
09/30 INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2011 Totals Year -to -Date
Total Fees Charged in 2011
Total Interest Charged in 2011
$130.00
$1,185.86
Amount
($315.00)
($336.00)
$0.00
$131.23
$131.23
Interest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
is the annual interest rate on your account.
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA
NA
26.99% $2,018.39 $44.78 E
23.99%
$4,384.17
$86.45
E
Cardmentbcr Nears & Information
Effective October 1, 2011, GE Money Bank is changing its name to GE Capital Retail Bank.
Cardmcmbcr Benefits & Information
jcp rewards - as a jcpenncy rewards credit cardmember, you are automatically enrolled in jcp rewards, our loyalty program]
earn 25% bonus points when you use your jcpenncy rewards credit card. go tojcprewards.com/credit for more information.
Monitor your Account 24/7. Enroll in free eServicing atjcp.com/credit and take advantage of the easy way to: view recent
transactions, check your balance, update personal information and much more.
now hiring
for the` holiday season
apply in store or online at jcpenneycareers.com
jcpenney offers:
E career growth opportunities
® flexible hours
• competitive benefits
® generous merchandise discount
5433 1.191m 1 7 28 110930 PAGE 2 of 3 9119 0200 M175 01EA5433
congratulations! you've reached jcpenney rewards platinum
credit card status!' now you'll enjoy all the special benefits
of being loyalty royalty, including:
$15 birthday earned jcp reward
special $155 jcp perks
earn up to $3O in jcp rewards each month!**
'check out the jcpenney rewards credit card status section
"go to jcprewards.com/credit & click "how it works" or visit your local store for details
Elenney
LEONARD C BEISH
Account Number:
Sununary of Account Activity
Previous Balance
+ Purchases/Debits
+ Fees Charged
+ Interest Charged
$6,204.10
$185.37
$35.00
$135.70
New Balance
$6.560.17
Credit Limit $7,000.00
Available Credit $439.00
Statement Closing Date 10/31/2011
Days in Billing Cycle 31
current status: jcp rewards platinum
total year to date spend
additional spend needed to reach/maintain:
-jcp rewards gold status
-jcp rewards platinum status
$1,390.63
$0.00
50.00
Visit us at jcp.com/credit
Customer Service: 1-800-527-3369
PO Box 965009 Orlando FL 32896-5009
Payment Inhumation
New Balance
Amount Past Due
Total Minimum Payment Due
Payment Due Date
$6,560.17
$310.00
$638.00
1103/2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $35.00.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
itttiAiiiielllk;Ai2;iiiAi
uii 3j'zQait ,••;
i!i iiiik :Dft
: t bteii li.-t;
:;Aii?iijlerhi* ba
f;bvi a i3 Qict :
Only the Minimum
payment
9 years
$10.791.00
If you would like information about credit counseling
services , call 1-877-302-8775.
congratulations] your jcpenney rewards platinum credit card
brings you these special benefits:
-$15 birthday earned jcp reward
-special $15 jcp perks
-earn up to $30 in jcp rewards each month]'
'go tojcprewards.com/credit & click on "how it works"
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. Sec reverse for details, Billing Rights Information and other
important information.
1111111111111111111111111111111111111
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GECRB. —I
Account Number111.1111111.111111
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Tutal M61111 111111 Amount Past Due
Payment Otic
5638.00
$310.00
Payment
Due Date
Ncw Balance
$6.560.17
FILL IN TOTAL PAID $ ........
New address or email? Print changes on the back.
DTAAADDDDFAFFAAFATATTTATTFDDDTDATFAFADDAATDDDDFFDDTFTFTITFADDFFFD
P.O. Box 960090
Orlando FL 32896-0090
DTTAFDDDFTAAATAFTDFTDDDFDDFADFTTDFTADFDDDATTAFADTTDDADAFTAFFDFDAD
5933
H9H
7 28 111031
D PAGE 1 of 3
9119 0200 M175 01EM5433
The JCPenney Gold I Platinum Rewards Credit Card Program*
The JCPenney Gold 1 Platinum Rewards Credit Card Program offers many special benefits exclusively for our JCPenney Gold I Platinum
Rewards Credit Cardmembers, Including Special Savings Certificate(s) and a Birthday Reward Certificate.
Please visit jcp.comlcredit to learn more about the JCPenney Gold I Platinum Rewards Credit Card Program
• Spend S500 or more on merchandise or services with your JCPenney Card over 2 or more unique shopping days in each calendaryear to earn or maintain
JCPenney Gold status. Spend $1,000 or more on merchandise or services with your JCPenney Card over 2 or more unique shopping days in each
calendaryear to earn or maintainJCPenneyPlatinum status. We reserve the right tochange or cancel the JCPenney Gold /Platinum Program or any or all
of its benefits at any time without notice. If your account is not in good standing and/or you no longer meet our credit criteria, you may be ineligible for the
JCPenney Gold / Platinum Program and/or unable to take advantage of JCPenney Gold I Platinum Program promotions. The JCPenney Gold / Platinum
Program is available only whlleyou area resident of thecontiguous 48 United States, Puerto Rico and Alaska.
Credits To YourAccount: An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied toyour previous balance immediately upon receipt, but will not satisfy any requirements that may be due.
Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Capital Retail Bank, Attn: Bankruptcy Dept., P0. Box 103104, Roswell, GA 30076.
Your Account Is owned and serviced by GE Capital Retail Bank.
Hearing Impaired: TDD users call 1-800-444-1732.
CustomerServlce/QUestlons: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32896.5009. Please include your account number on any correspondence you send taus.
Payments: Send payments to P.O.Box 960090, Orlando FL 32896-0090 or pay online.
Notice: See below foryour Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, please write to our Billing Inquiries Address, B0. Box 965008, Orlando, FL 32896.5008.
Purchases, returns, and payments madejust prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from youraccount as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), in your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353.0945 and not the PaymentAddress.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
Inquires Address of:
GE Capital Retail Bank, P0. Box 965008, Orlando, FL 32896-5008
Or, complete and mat or fax the Dispute Form found at:
www.jcp.com/credit
In your letter, gree us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Descnption of Problem: If you think there is an error on your bill,
descri be what you believe is wrong andwhy you believe it is a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You may call us, but if
you do we are not required to investigate any potential errors and you may
haveto paythe amount in question.
While we investigate whether or not there has been an error, the following
aretrue:
• We cannot try to collect the amount in question, or report you as
delinquent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
made a mistake, you will not have to pay the amount in question or any interest
or other fees related to that amount.
• Whileu do not haw to pay the amount in question. you are
responsiblefo the remainder of your balance.
• We can appy any unpaid amount against your credit limit.
YourRtghts If You Are DtssatishedWith Your Credit CardPurchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100
miles of your current malting address, and the purchase price must have been
more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you, or If we own the company that
sold you thegoods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
cavi account do not qualify
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in wdting(orelectronicaly) at:
GE Capital Retail Bank P.O. Box 965008, Orlando, FL 328965008
(wwwjcp.cem/credit)
While we investigate, the same rules apply to the disputed amount as
discussed above. Atter we finish our investigation, we will tell you our decision.
At that point, if wethink you ave an amount and you clonal pay we may report
youas delinquent.
Information About Payments: You may at any time pay, in whole or in
part, the total unpaid balance without any ad&ttanal charge, for
prepayment. Mailedpayments received after 5:00 PM (ET) on anydaywll be
credited as of the next day. Credit to your Account may be delayed up to five
days if payment (a) is not received at the Payment Address, (b) is not made in
U.S. dollars drawn on a U.S. financial institution located in the U.S.. (c) is not
accompanied by the remittance coupon attached tour statement, d)
contains more than one payment or remittance coupon, ((ee(isnot receive in
the remittance envelope provided or (f) Includes staples, paper clips, tape, a
folded check, or correspondence of anytype.. Underordinary circumstances,
any payments made at a JCPenney store will be credited as of the day you
make such a payment. Alternatively you may make your payment online at
the webstte address shown on your billing statement, provided you make
your payment in U.S. dollars from a bank located in the U.S. Condilialal
Pa menta: All written communications concerning disputed amounts,
including any check or other payment instrument that:(i) indicates that the
payment constauden "payment in full" or is tendered as ull satisfaction of a
disputed amount; or (ii) is tendered with other cendtions or limitations
Trisected Pa ments'1, must be mailed or delivered to us at P.O. Bou 965008,
Orlando, FL 32896-5008.
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about you toe consumer reporting agency,
please contact us at P.O. Box 965007, Orlando, FL 32896-5007.1n do ng so,
please identify the inaccurate information and tell us why you believe it is
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other defaults on your account may be reflected inyour credit report.
Balance Subject To Interest Charge Calculation
A. (Average ally Balance including current transactions): We figure
the interest charge on your account try applying the pehodic rate to the
"average daily balance" of your account. To get the "average daily balance"
we take the beginning balance of youraccount each day, which includes any
unpaid interest charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle. This gives us the
"average daily balance" which is the balance shown in the Interest Charges
section of this statement. Any average daily ba lance of less than zero will be
treated as zero. A separate average daily balance will be calculated for each
balance type on your account.
B. The same as Method A, except unpaid Interest Charges are not included
in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance,
D. he same es Method C, except unpaid Interest Charges are not included
in the beginning balance.
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the daily balance" of your account for each
day in the billing cycle.We then add the interest to the daily balance. To get the
"daily balance eve take the beginning balance of your account each day
(which includes unpaid interest), add airy new charges, and applicable fees,
and subtract any payments or credits This gives us the daily balance. Any
daily balance of less than zero will be heated as zeroA separate daily
balance will be calculated for each balance type on your account. The
balance(s) shown in the Interest Charges section of this statement is the sum
of the daiybalancesfor each day in the billing cycle divided by the number of
days in the billing cycle.
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge; C=Commercial.
You can request to receive statements in Spanish by calling customer
service number all -800-542-0800.
01 EM5433 - 3 - 08/04/2011
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on your account, you consent to GE Capital Retail Bank and any other owner or servicer of youraccount contacting you
about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone
dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box arid print the changes below.
Street
Address
City, State,
Zip
Phone #
Enroll
Home Phone # Business Phone # 'Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
bonus!
earn 50 bonus points on your first qualifying purchase
of the following brands from november 1 - 30, 2011:
women
outerwear
Ambrielle•
lingerie
kids
ARIZONA
fine jewelry
bridal
jewelry
men
ICA ,
home
coffeemakers
All hones points will be automatically added to your account and appear in your next jcp rewards monthly e -statement. Bonus points are mailable to jcp rewards
members in the United States and Puerto Rico. Bonus points apply only to the first purchase made in each category listed above between 11/1/11 and 11/30/11. This
offer is not applicable toward previously purchased merchandise, This offercan be combined with other offers. No discount code is required at checkout. Other offers/
discounts, taxes, duties, gih cards, shipping & handling do not qualify for bonus points.
Transacli0n Sununary
Tran
Date Reference Number
Balance
Type Description of Transaction or Credit
10/14 P911900910t V067WJ R JCP CATLG LOGISTIC CTR LENEXA KS
FOR QUESTIONS CALL
I-800-709-5777
CATALOG INV. 53803420
WAREHOUSE SHIPMENT
FEES
10/23 LATE FEE
10/31
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2011 Totals Year -to -Date
Total Fees Charged in 2011
Total Interest Charged in 2011
5165.00
$1321.56
Amount
5185.37
$35.00
$35.00
5735.70
$135.70
Interest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transactions on or before 10/162010
Regular Purchases
is the annual interest rate on your account.
Expiration
Date
Annual
Percentage
Rate
Balance
Subject To Interest Balance
Interest Rate Charged Method
NA 26.99% S2,182.28 $50.03 E
NA
23.99%
$4,204.42
$85.67
Cardnsensbcr News ak htfi,rmation
Your account reflects an amount past due. If you am having difficulty
making this payment, we have several temporary repayment options
available to help make things easier for you. Call 1-800-527-3369
today to find out if you arc eligible for one of our payment options.
One day only] Exclusive special financing event only forjepenney rewards platinum credit cardmembers.
in-store on 12/15/2011 and receive no interest for 9 months on each individual sales receipt purchase that day of $150 or
more of in -stock merchandise when you use your jcpenney rewards platinum credit card account (excludes jcp.com, phone
orders, delayed delivery merchandise and special order merchandise). Minimum monthly payments required. After the
promotion ends, an APR of 26.99% will apply to any remaining promotional balance. Subject to credit approval. Regular
account terms apply to non -promotional purchases and, after promotion ends, to promotional purchases. This will be your
last chance to take advantage of this offer. Effective 12/31/2011, this earned benefit will no longer be offered as part of the
jcpenney rewards credit card program. So don't miss nut on this one day only special financing event.
Effective October 1, 2011, GE Money Bank ("GEMB") changed its name to GE Capital Retail Bank ("GECRB"). During the
next few months you may see either name on documents you receive while we complete the transition.
Shop
Qudmcnsbcr Benefits R Information
jcp rewards - as a jcpenney rewards credit cardmember, you are automatically enrolled in jcp rewards, our loyalty program]
earn 25% bonus points when you use your jcpenney rewards credit card. go tojcprewards.conalcredit for more information.
Monitor your Account 24/7. Enroll in free eServicing at jcp.com/credit and take advantage of the easy way to: view recent
transactions, check your balance, update personal information and much mom.
5433 H9H 1 7 28 111031 DPAGE 2 of 3 9119 0200 0175 OocM5433
congratulations! you've reached jcpenney rewards platinum
credit card status!' now you'll enjoy all the special benefits
of being loyalty royalty, including:
$15 birthday earned jcp reward
special $15 jcp perks
earn up to $30 in jcp rewards each month!**
"check out the jcpenney rewards credit card status section
"go to jcprewards.com/credit & click "how It works" or visit your local store for details
ggenney
Summary of Account Activity
LEONARD C BEISH
Account NumberTNIMIMER
Previous Balance
- Payments
+ Purchases/Debits
+ Fees Charged
+ Interest Charged
56,087.19
5304.00
$551.34
$35.00
$131.37
Ncw Balance
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
$6,500.90
$7,000.00
5499.00
12/30/2011
30
DNUAMit;ralavek TL
current status: jcp rewards platinum
total year to date spend
additional spend needed to reach/maintain:
-jcp rewards gold status
-jcp rewards platinum status
$1,941.97
$0.00
50.00
Visit us at jcp.corrr/credit
Customer Service: 1-800-527-7717
PO Box 965009 Orlando FL 32896-5009
Payment Inlbrmation
New Balance
Total Minimum Payment Due
Payment Due Date
$6,500.90
$325.00
01/23/2012
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $35.00.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balm -ice.
For example:
d t0 vti
:10��: I!f :•t$ti:;Ijt
a I ;s aegt {
•
..: i?i�I?:?!Il$ti'i,::ti j
: �ti�a�l�,t:��'.d4..1�G.'.tl»
;Y.^P t{1 t :til t::xp
::•: ?t�mgat:�n:?:
::: :a 4k4IfI ::::
:tip g3,•�N.`i b.. :'«:• ::•:
fpat :? ,
::::•:•:•:,tsar:•}: •:•:•:• :
`:a:a a;:'::` :: ':;:•:;:vJ
Only the Minimum
payment
9 years
$11,021.00
If you would like information about credit counseling
services , call 1-877-302-8775.
congratulations] your jcpenney rewards platinum credit card
brings you these special benefits:
-$15 birthday earned jcp reward
-special $15 jcp perks
-eam up to $30 in jcp rewards each month]*
*go tojcprewards.com/credit & click on "how it works"
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
1111111111111111111111111111111111111
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GECRB. —i
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Account Numbe
Total Minimum Payment Due Date
Payment Doc
11 1 1
New Balance
$6,500.90
FILL IN TOTAL PAID $ ..II En in
New address or email? Print changes on the back.
DDTDAAADAFDDDDATDDTTFFFDDTDTFAATDAFATFFDFDDAFFAFAFDTDDTDFADDDTATF
P.O. Box 960090
Orlando FL 32896-0090
TDTDTFFDADDFAFFFDATATFADTAAFDAAFTFADFFADTDAATFDTDATDDADADFTDFDDDA
5433 595 1 7 28 111230 Pose 1 of 3 9119 0200 M175 01.5433
The JCPenney Gold I Platinum Rewards Credit Card Program*
The JCPenney Gold / Platinum Rewards Credit Card Program offers many special benefits exclusively for our JCPenney Gold I Platinum
Rewards Credit Cardmembers, Including Special Savings Certificate(s) and a Birthday Reward Certificate.
Please visit jcp.com/credit to learn more about the JCPenney Gold I Platinum Rewards Credit Card Program
• Spend $500 or more on merchandise or services with your JCPenney Card over 2 or more unique shopping days in each calendaryearto eam or maintain
JCPenney Gold status. Spend $1,000 or more on merchandise or services with your JCPenney Card over 2 or more unique shopping days in each
calendar year to earn or maintainJCPenneyPlatinum status. We reserve the right lochangeor cancel the JCPenney Gold /Platinum Program or any or all
of its benefits at any lime without notice. If your account is not in good standing and/oryou no longer meet our credit criteria, you may be ineligible for the
JCPenney Gold /Platinum Program and/or unable to take advantage of JCPenney Gold / Platinum Program promotions. The JCPenney Gold / Platinum
Program Is available only whileyou area resident of the contiguous 48 United States, Puerto Rico and Alaska.
Credits To YourAccount: An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied toyour previous balance immediately upon receipt, but will not satisfy any requirements that maybe due.
BankruptcyNotice:If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Capital Retail Bank, Attn: Bankruptcy Dept , P.O. Box 103104, Roswell, GA 30076.
Your Account Is owned and serviced by GE Capital Retail Bank.
Heating Impaired: TDD users call 1-800-444-1732.
CustomerSeMce/Questlons: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32896-5009. Please include your account number on any correspondence you send to us.
Payments: Send payments to P.O. Box 960090, Orlando FL 32896-0090 or pay online.
Notice: See below foryour Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, please write to our Billing Inquiries Address, P.O. Box 965008, Ovando, FL32896-5008.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), In your own envelope — not the enclosed window envelope,
addressed to:90. Box 530945, Atlanta, GA 30353-0945 and not the PaymentAddress.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Capital Retail Bank, P.O. Box 965006 Orlando, FL 32896-5008
Or, complete and mail or fax the Dispute Form found at:
www.jcp.cem/credit
In your letter, give us the following information
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem' If you think there Is an error on your bill,
descri be what you believers wrong andwhyyou believe it is a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You may callus, but if
you do we are not required to investigate any potential errors and you may
haveto paylhe amount in question.
While we investigate whether or not there has been an error, the following
aretrue:
• We cannot try to collect the amount in question, or report you as
deli ngvent on that amount
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
made a mistake, you will not have to pay the amount in question or any interest
or other fees related to that amount.
• While you do not have to pay the amount in question, you are
responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.
YourR/ghts H You Are asses fled With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have been
more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you, or if we own the company that
sold you thegoods orservices.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account do not qualify
3. You must not yet have my paid for the purchase.
If at of the criteria above are met and you are still dissatisfied with the
purchase, contact us in writing (or electronically) at:
GE Capital Retail Bank P.O. Box 965008. Orlando, FL 32896-5008
(wwwjcp.condcredit)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation. we will tell you ourdecision.
At that point, if we think you wean amount and you done pay we may report
you as delinquent.
Information About
ppPayments: You may at any
ut ytime pay, in whole or in
for
prey yment.total
Mailed paymid ents received ace fer500PM (ET) anydayadditional will be
credited as of the next day Credit to your Account may be delayed up to five
days if payment (a) is not received at the Payment Address. (b) is not made in
U.S dollars drawn on a U.S. financial institution located In the U.S., (c) is not
accompanied by the remittance coupon attached to your statement, d)
contains more than one payment or remittance coupon, (a) is not received in
the remittance envelope provided or (f) includes staples, paper clips, tape, a
folded check , or correspondence of anytype.Under ordinary circumstances,
any payments made ata JCPenney store will be credited as of the day you
make such a payment. Alternatively you may make your payment online at
the website address shown on your billing statement. providedu make
your payment in U.S. dollars from a bank located in the U.S. Conditional
Pa monis: All written communications concerning disputed amounts,
in u mgay check or other payment instrument that: (i) indicates that the
payment constitutes " payment in full" or is tendered as full satisfaction of a
dispputed amount;Ppaavyo�r�(�n is tendered with other conditions or limitations
("Disp tedLayBents' must be mailed or delivered to us at P.O. Bax965008,
Credit Reports and Account Information: If you believe that we have
reporlectinaccurate information about you to a consumer reporting agency,
please minted us at P.O. Box 965007, Orlando, FL 32896-5007.1n doing so,
please identify the inaccurate information and tell us why you believe i is
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may report information
about your aarount to credit bureaus. Late payments, missed payments, or
otherdefaults on youraccountmay be reflected inynurcreditreport,
Balance Subject To Interest Charge Calculation
A. (Average aily Balance including current transactions): We figure
the interest charge on your account try applying the periodic rate to the
"average dairy balance" of your account To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interestcharges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits This gives us the
daily balance. Then, we add up at the daily balances for the bitting cycle and
divide the total by the number of days in the billing cycle This gives us the
"average daily balance," which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero will be
treated as zero. A separate average daily balance will be calculated for each
balancetype on your account.
B. The same as Method A, except unpaid Interest Charges are not included
in the beginning balance,
C. The same as Method A, except new Purchases are not included in the
daily balance.
D. The same as Method C, except unpaid Interest Charges am not included
in the beginning balance.
E. (Daily Balance Method): We figure the interest charge on your account
by applyng the periodic rate to the dailybalance" of your account for each
day in the billing cycle. We then add theinterest to the daily balance. To get the
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credIs. This gives us the daily balance. Any
daily balance of less than zero will be treated as zero. A separate daily
balance will be calculated for each balance type on your account. The
balance(s) shown in the Interest Charges section of this statement is the sum
of thedaiy balances for each day in the billing cycle divided by the number of
days in the biting cycle.
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge: M=Major Purchase Charge; C=Commercel.
You can request to receive statements in Spanish by calling customer
service numberat 1-800-542-0800.
01 EM5433 - 3 - 08/04/2011
This is an attempt to collect a debt and any information obtained will be used for that purpose.
`By providing a telephone number on youraccount, you consent to GE Capital Retail Bank and anyother owner or servicer of yauraccount contacting you
about your account, Including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone
dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the bar and print the changes below.
Street
Address
City, State,
Zip
Phone #
E-mail
Home Phone # Business Phone # 'Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
•
big news!
To be eligible for exclusive benefits, including monthly
sweepstakes and bonus points opportunities, make
sure to register your jcpenney rewards credit card
at c „ :: < res..(.r :;::, :;r<;; . Plus, you can earn up
to 100 points — just for registering!
Transaction Summary
Tran
Date Reference Number
Balance
Type Description of Transaction or Credit
12/12 P911900AVO 1RYMJ09 R JCP CATLG LOGISTIC CTR COLUMBUS OH
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 27017998
WAREHOUSE SHIPMENT
12/20 P911900B300YBV72X R CAPITAL CITY MALL CAMP HILL PA
4-6X TOPS, 4-6X BOTTOMS
GIRLS RELATE SEP
1220 P91190013300YBV735 R CAPITAL CITY MALL CAMP HILL PA 5100.00
JCP GIFT CARDS
12/20 P911900B300Y2HQKF R CAPITAL CITY MALL CAMP HILL PA 5120.00
ALLIANCE G CRDS
12/23 P911900B700YJFJN7 R CAPITAL CITY MALL CAMP HILL PA $63.33
CLAIBORNE, BIG/TALL SPTSWR
CUTLERY/GADGETS
12/23 P9 1900B700Y2HKZ1 R CAPITAL CITY MALL CAMP HILL PA 516.99
SWEATERS
12/24 P911900B700Y2ELRN R CAPITAL CITY MALL CAMP HILL PA 5100.00
ALLIANCE G CRDS
12/27 P91190013900XTN2R3 PAYMENT- THANK YOU (5304.00)
Amount
$119.98
$31.04
FEES
12/23 LATE FEE
12/30
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2011 Totals Year -to -Dale
Total Fees Charged in 2011
Total Interest Charged in 2011
5235.00
$1,582.95
535.00
535.00
$131.37
$131.37
Interest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
is the annual interest rate on your account.
Annual Balance
Expiration Percentage Subject To Interest Balance
Datc Rate Interest Rate Charged Method
NA 26.99% $2,647.41 $58.73 E
NA
23.99%
53,683.57
572.64
E
Cardmemher Benefits & Intinmatiun
jcp rewards - as ajcpenney rewards credit cardmember, you arc automatically enrolled in jcp rewards, our loyalty program]
cam 25% bonus points when you use your jcpenney rewards credit card. go tojcprewards.com/credit for more information.
Monitor your Account 24/7. Enroll in free cScrvicing atjcp.com/credit and take advantage of the easy way to: view recent
transactions, check your balance, update personal information and much more.
5433 H9H 1 7 28 111230 PAGE 2 of 3 9119 0200 M175 OIEM5433
earn jcpenney rewards platinum credit card status*
again this year and enjoy exciting benefits, including:
$15 birthday earned jcp reward
earn up to $30 in jcp rewards each month!"
'check out the jcpenney rewards credit card status section
"go to jcprewards.com/credit & click "how it works" or visit your local store for details
additional spending needed to maintain your
5762.71 jcpenney rewards platinum status
Emenney
Summary of Account Activity
LEONARD C BEISH
Account Number: amonor
Previous Balance
+ Purchases/Debits
+ Fees Charged
+ Imerest Charged
$6,500.90
$237.29
$35.00
$149.93
New Balance
$6,923.12
Credit Limit $7,000.00
Available Credit $76.00
Statement Closing Date 01/31/2012
Days in Billing Cycle 32
current status: jcp rewards platinum
total year to date spend
additional spend needed to reach/maintain:
-jcp rewards gold status
-jcp rewards platinum status
$237.29
$262.71
5762.71
Visit us at jcp.com/credit
Customer Service: 1-800-527-3369
PO Box 965009 Orlando FL 32896-5009
Paymcul Information
New Balance
Amount Past Due
Total Minimum Payment Due
Payment Due Date
$6.923.12
$325.00
$671.00
02/23/2012
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $35.00.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
yj!4}k;thCt�1ji(!l�: *i
ctx4*,tsa It Ingyli;:•:•:
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Only the Minimum
payment
9 years
$11,536.00
If you would like information about credit counseling
services , call 1-877-302-8775.
keep it up] earn jcp rewards platinum status again this
year and continue to enjoy these benefits next year
-$15 birthday earned jcp reward
-cam up to $30 in jcp rewards each month]*
•go tojcprewards.com/credit & click on "how it works"
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment maybe converted into an electronic debit. Sec reverse for details, Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GECRB.
IIIII111111111111III 111111IIIII III III
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Account Number
Toad Minimum Amount Past Due Payment New Balance
Pmnent Due Duc lane
1111.3=111.11.1
$671.00
FILL IN TOTAL PAID $ .... U U U
New address or email? Print changes on the back.
—i
FADAATTTFDADTATTTTFDADADAFAFAADFTTFDFFDDTTDTAAFTFDATTFAAADATAAAFF
P.O. Box 960090
Orlando FL 32896-0090
ATFTFDTTTAADFFTDFF-FUTTDTFFATAFDTTDDTADDFFFADATADFTFTFDAFATTATF I FF
5433 H9H 1 7 28 120131 0PAGe 1 of 3 9119 0200 M175 01e1,5433
The JCPenney Gold / Platinum Rewards Credit Card Program*
The JCPenney Gold! Platinum Rewards CreditCard Program otters many special benefits exclusively for our JCPenney Gob! Platinum
Rewards Credit Cardmembers, including Special Savings Certificate(s) and a Birthday Reward Certificate.
Please visit jcp.comlcredit to learn more about the JCPenney Gold I Platinum Rewards Credit Card Program
Spend $500 or more on merchandise or services with your JCPenney Card aver 2 or more unlqueshopping days in each calendaryear toeamormainlain
JCPenney Gold status. Spend 51,000 or more on merchandise or services with your JCPenney Card over 2 or more unique shopping days in each
calendar year to earn or maintain JCPenney Platinum status. We reserve the right to change or cancel the JCPenney Gold !Platinum Program or any mall
01 its benefits at any lime without notice. If your account is not in good standing and/or you no longer meet our credit aierie, you may be Ineligible for the
JCPenney Gold /Platinum Preg ram anceor unable to lake advantage of JC Penney Gold ! Platinum Program promotions. The JCPenney Gold ! Platinum
Program Is avalla ble only while you area resident of the contiguous 48 United States, Puerto Rico and Alaska.
Credits To YourAccounb An amount shown in parenthesis or preceded by a minus (-) sign is a credit or credit balance unless otherwise indicated. Credits
wild be applied layout previous balance immediately upon receipt, but will not satisfy any requirements that maybe due.
BankruptcyNutice: If you file bankruptcy, you must send us notice, including account number and all information relatedto the proceeding to the following
address: GE Capital Retail Bank, Attn: Bankruptcy Dept., P.O. Box 103104, Roswell, GA 30076.
Your Account Is owned and serviced by GE Capital Retail Bank.
Hearing Impaired: TOO users call 1-800-444-1732.
Customer Service/Questions: For account information, please call the loll free number on the front of this statement Unless your name is listed on this
statement, your access to information on the account may be limited, You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32596.5009. Please include your account numberon eny correspondence you send to us.
Payments: Send payments to P.O. Box 960090, Orlando FL 32896.0090 or pay online.
Notice: See below for your Billing Rights and other important information. Tele honing about billing errors will not preserve your rights under federal law To
preserve your rights, please write to our Billing lnqu ivies Address, P.O. Bax 96 ct!, Orlando, FL 37896-5C08.
Purchases, returns, and payments made just prior to billing dale may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use inlurmalion from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
bansaclion, W hen we use information from your deckle make an electronic hind transfer, hinds maybe withdrawn from your account as soon as (became
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have our payment
collected electronically by sending your payment `with the payment stub), In your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530045, Atlanta, GA 30353-0945 and not the Payment Address.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error an your statement, write to us at One Billing
Inquiries Address of:
GE Capital Rela,l Bank, PO. Box 00519)0 Orlando, FL 32596-50�
Or, complete and mail or fax the Dispute korm found at:
wenejcp.cundcredg
In your letter, gghe us the helaving inferrnaden:
• Account irdormation: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem' If you think there is an area on your bill,
describeWaal you believe is wrong and why you believe it is a mistake.
You must contact Le within 50 days ager the error appeared on your
statement.
Ow must notify us of any potential errors in writing. You may call us, but if
you do we are not required to investigate any pc4ential errors and you may
have to pay the amount in question.
While we investigate whether or not there has been an error, the following
arelme:
• We cannot try to collect the amount in question, or report you as
delinquent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount, But, if we determine that we
made a mistake, you will not have to paytheemount in question or any interest
gather fees related to that amount.
• While you do not have to pay the amount in question, you are
responsible nor lee remainder of your balance.
• We can appty any unpaid amount against your credit limit.
YourRightsif YouAre Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not is pay the remaining amount
due on the purchase,
To use this right, all of the following must. be true:
1. The purchase must have been made m your home slate or vermin 10D
miles of your currenl malting address, and the purchase price must have been
more than 550 (Note: Neither of these are necessary if your purchase was
based on an adverfsgnevT we mailed to you, or if we own the compony that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from en ATM or wlh a check that accesses your credit
card accent do not qualify.
3. You must not yet have fully paid for the purchase.
If of of the erten abuse are met end yes.' are s101 dissatisfied with the
purchase, contact us in writing (or electronically) at:
GE Cepitel Retail Bank P.O. Bee 965008, Orlando, FL 328965006
Whilmrn/credui
lepwe investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we well tell you our decision.
Al that point, it welhink you owe an amounfand you Cenci pay we may report
you as delinquent.
Information About Payments: You may al any lime pay, in whole or In
part, the total unpaid balance without any add'donal charge, lar
prepayment. Mailed payments received after 5:00PM (ET) on any day well be
credited as of the next day. Crede to your Account may be delayed up to five
days it payment (a) is not received at Pte Payment Address, (b) s not made in
U.S dollars drawn on a U.S. financial institution leafed in the U.S., (c) is not
accompanied by the remittance coupon attached to your statement,d)
eontains more than one payment or remittance coupon, (a) is not remeed in
the remittance envelope provided or (f) includes staples, paper clips, tape, a
folded check, or correspondence of any type.. Under ordinary circumstances,
any payments made e, a JCPenney store will be credited as of the day you
make such a paymant. Alternatively you may make your payment online at
the website address shown on your billing statement Wohded ou make
your payment in U.S. dollars horn a bank located in the U.S. enelticnal
Pa ens: All written communications concerning dispute amounts,
r u
ing any check or other payment Instrument that:i) indicates that the
payment constitutes "payment in fun" or is tendered as full satisfaction of a
disputed amount; oor�r��(�ii) is tendered with other conditions or limitations
(Die doePpdL32B9 ustbemailedordefveredtousalP.O.Box965038,
OrlaeCredit Reports and Account Information: If you believe that we have
reported inaccurate information about you Ib a consumer repotting agency,
please contact us at P.O. Box965007, Orlando, FL 32896-5007. In doing so,
please identify the eaccurale'mlormalion and tell us why you believe II is
!correct. I1 you have a copy of the credit report mat includes the inaccurate
information, please include a copy of that repot. We may report information
about your account to credit Wens. Late payments, missed payments, or
other defaults on youraccounl maybe reflected in yourcredil report.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance Including current transactions): We figure
interest charge on your account by applying the periodic rate to the
'average daily balance" of your account. To get the "average dally balance"
we lake the beginning balance of your exeunt each day, which includes any
unpaid interest charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits, This gives us the
dairy balance. Then, we and up all the daily balances for the d0rg cycle and
divide the total by the number of days in the billing cycle. This gives us the
"average daffy balance," veld is the balance shown in the Interest Charges
section of Ns statement. Any average dart balanced less than zero err be
treated es zero, A separate average daily balance will be tabulated for each
bula we type on your accourn.
B. The same as Method A, except unpaid interest Charges are nal included
in the beginning balance.
C. The same es Method A, except new Pie -chases are not inducted in the
daily balance.
D. The same as Method C. except unpaid Interest Charges are not included
in the beginning balance.
E. (Dally Balance Method): We figure the interest charge on your account
by applying the periodic rate to the daily balance" of your account for each
day mthe btlling cycle. We then add the interest lobe daily balance. To gel the
"daily balance we tate the beginning balance et your account each day
(whch includes unpaid interest), add army new charges, and applicable fees,
end subtract any payments or credits This gees us the daily balance, Any
daily balance of less than zero will be treated as cam. A separate daily
balance will be calculated for each balance type on your account. The
balance(s) shown in the Interest Chargesseclion of this statement is the sum
of the daily balances foreach day in the billing cycle divided bythe number of
days in the billing cycle.
Balance Type on the face of this statement refers to the following payment
method: Rehegular Charge: McMaior Purchase Charge, Ce -Commercial.
You can request to receive statements in Spaeth by calling customer
service number at 1.800.542-0800.
01E M5433 - 3 - 08104011
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone numberon your account, you consent to GE Capital Retail Bank and any otherowner or service( of Wier account contacting you
about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone
dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged for thecae under your phone plan,
For changes of address, phone number anchor email, please check the box and print the changes below.
Street
Address
City, State,
Zip
Phone I
E-mail
Home Phone a Business Phone a 'Cell O or other phone a we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers end updates.
}
Elportraits
every picture tells a story
free 8x10 portrait!
Bring the entire gang In for a session at one of
our portrait studios. There's no sitting fee, and
Pest of all, you get a free WO to take home!
That's a deal ever. the Easter Bunny can't Cleat.
ar�:tear;,'n salEdO;r: `:,itiii.r ens,.,, .. brain cne nrearm ,tiom.b sir t
tvrurant,,r cn V,ndn,Cnwgt i:i,;,. i'r,ck.;rcA'd,n••x aur.es;nir.'>r xo Jt:c
n.anv1wrm.45.M4I r;eet,nvG:t, u:rice;rcenfinr cams.
Summary of Account Activity
LEONARD C BEISH
Account Number: viiiimmik
Previous Balance
- Payments
+ Purchases/Debits
+ Fees Charged
+ Interest Charged
56,923.12
$325.00
$38.62
$35.00
$136.91
New Balance
$6,808.65
Credit Limit $7,000.00
Available Credit $191.00
Statement Closing Date 02/29/2012
Days in Billing Cycle 29
Ata
current status: jcp rewards platinum
total year to date spend
additional spend needed to reacWmaintain:
-jcp rewards gold status
-jcp rewards platinum status
$275.91
5224.09
S724.09
Visit us at jcp.com/credit
Customer Service: 1-800-527-3369
PO Box 965009 Orlando FL 32896-5009
Payment Information
New Balance
Amount Past Due
Total Minimum Payment One
Payment Due Date
56,808.65
$346.00
$686.00
0323/2012
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $35.00.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
•
: t!i;itt$a'i ;iti?it ,
'iei$ta iulalhey86 ::
is yusi4 jft0095i l :t
i!:... I;i?4?:?!i!A?b!?j: i
i ?lrt!it i !k#si}! litttiiii
ibebah4'o,hR
:;:;:s21i wrctg 4btg` `
? i ?t tp it2i1::Ettty
iiit$ifi)kb't �i45i2?i;3„s
:;:t$i;�ayal viii :
:osioieil4tei61
;
Only the Minimum
payment
9 years
$11,346.00
If you would like information about credit counseling
services , call 1-877-302-8775.
keep it up] earn jcp rewards platinum status again this
year and continue to enjoy these benefits next year:
-$15 birthday earned jcp reward
-cam up to $30 in jcp rewards each month]*
.go to jcpmwards.com/credit & click on "how it works"
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment maybe converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
1111111111111111111111111111111111111
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GECRB. —I
Account Number:
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Total Minimum Antonin Past Due
Payment Due
$686.00
$346.00
Payment
Due Date
MEEMBINI
New Balance
$6,808.65
FILL IN TOTAL PAID $ .... ..
New address or email? Print changes on the back.
A ATATTTTFA A DDA DTTTAFATTDA FTFAFTATTDFFDTDTA ATATDTFDATTAFA ATA AA AAF A
P.O. Box 960090
Orlando FL 32896-0090
FAA A DTTTD DATTTDTA FFFFDAAFDFTATDTFTFATFTAFTDD FTTA A DFATTFDA DFTTA AAT
5433 H9H 1 7 28 120229 0 PAGE 1 of 3 9119 0200 !4175 01E55433
the jcpenney rewards gold 1 platinum credit card program
The Jcpenney rewards gold I platinum credit card program offers many special benefits exclusively for our Jcpenney rewards gold I
platinum credit cardmembers, including a $15 birthday earned jcp reward.
Please visit jcp.com/credit to learn more about the jcpenney rewards gold I platinum credit card program.
Spend 5500 or more on merchandise or services with your jcpenney rewards credit card over 2 or more unique shopping days in each calendar year to
earn or maintain jcpenney rewards gold status. Spend Si, 000 or more on merchandise or services with your jcpenney rewards credit card over 2 or more
unique shopping days in each calendaryear to earn or maintain jcpenney rewards platinum status. jcpenney rewards gold /platinum status is determined at
time of your monthly billing statement after meeting purchase threshold. We reserve the right to change or cancel the jcpenney rewards gold / platinum
program or any or all of its benefits at any time without notice. If your account is not in good standing and/or your no longer meet our criteria, you may be
ineligible for thejcpenney rewards gold/platinum program and/or unable to lake advantage of jcpenney rewards gold /platinum promotions. The jcpenney
rewards gold /platinum program is available onywhileyou area resident of the 48 contiguous United States, Puerto Rico and Alaska. For complete details,
visit jcprewards,com/credit or your local store.
Credits To Your Account: An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied to yourprevious balance immediately upon receipt, but will not satisfy any requirements that may be due.
Bankruptcy Nodce:lf you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Capital Retail Bank, Attn: Bankruptcy Dept., P0. Box 103104, Roswell. GA 30076.
Your Account is owned and serviced by GE Capital Retail Bank.
Hearing Impaired: TDD users call 1-800-444.1732.
Customer Service/Questions: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32896.5009. Please include your account number on any correspondence you send to us.
Payments: Send payments to P.O. Box 960090, Orlando FL 32896-0090or pay online.
Notice: See below foryour Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserveyour rights, please write to our Billing Inquiries Address, P.O. Box 965008, Orlando, FL 32896-5008.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment es a check
transaction. When we use information from your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment fwlth the paymen stub), In your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353.09455 and not the PaymenlAddress.
What To Do If You Think You Find A Mistake On Your Statement
If you think them is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Capital Retail Bank, P0 Box 965008, Orlando, FL 328965008
Or, complete and mat or fax the Dispute Form found at:
wwwjcp.condcredit
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem' If you Think there is an error on your bill,
describe what you believe is wrong and whyyou believed is a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You may call us, but if
you do we am not required to investigate any potential errors and you may
have to pay the amount in question.
While we investigate whether or not there has been an error, the following
are true:
• We cannot try to collect the amount in question, or report you as
delinquent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
made a mistake, you will not haveto pay the amount in question or any interest
or other fees related to that amount. -
• While you do not have to pay the amount in question, you are
responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.
YourRlghts If You Are DissatisfiedWrth Your Credit CariPurchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
dueon the purchase.
To use this right, all of the following mustbe true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have been
more than $50 (Note: Neither of these am necessary if your purchase was
based on an advertisement we marled to you, or if we own the company that
sold youthegoods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances tom an ATM or with a check that accesses your credit
card account do not qualify
3. You must not yet have rely paid for the purchase,
If all of the criteria above are mel and you are still dissatisfied with the
purchase, contact us in writing (or electmnicaly) at:
GE Capital Retail Bank P.O. Box 9651108, Orlando, FL 32896-5008
(www.jcpcoMcredit)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our decision.
At that point, if we think you owe an amount and you do not pay we may report
you as delinquent.
Information About Paments: You may at any time pay, in whole or in
Part the total unpaid balance without any additional charge for
prepayment Mailed payments received after 5:00 PM (ET) on anydeywill be
credited as of the next day. Credit to your Account maybe delayed up to five
days if payment (a) is not received at the Payment Address, (b) is not made in
U.S. dollars drawn on a U.S. financial institution located in the U.S., (c) is not
accompanied by the remittance coupon attached to your statement, d)
contains more than one payment or remittance coupon, (e) is not received in
the remittance envelope provided or (f) includes staples, paper clips, tape, a
folded check, or correspondence of any type._ Underardinary circumstances,
any payments made a a JCPenney store will be credited as of the day you
make such a payment. Alternatively you may make your payment online at
the website address shown on your billing statement, provided you make
your payment in U.S. dollars from a bank located in the US. Conditional
Pa menfs: All wrtten communications concerning disputed amounts,
in any check or other payment instrument that: )i) indicates that the
paymen? constitutes "payment in full' or is tendered as lull satisfaction of a
disputed amount; or (ii) is tendered with other conditions or limitations
(DisputedPayments'', must be mailed or delivered to us at P.O. Bae 965008,
Orlando FL3 896-5008.
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about you to a consumer reporting agency,
please contact us at P.O. Box 965007, Orlando, FL 32896-5007.1n doing so,
please identify the inaccurate information and tell us why you believe it is
incorrect If you have a copy of the credit report that includes the inaccurate
informaligp, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
otherdefaults on your account maybe reflected in your credit report.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance including current transactions): We figure
the interest charge on your account by applying the periodic rate to the
"average daily balance" of your account. To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interest charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daily balances for the tilling cycle and
divide the total by the number of days in the billing cycle. This gives us the
"average daily balance,' which is the balance shown in the Interest Charges
sectional this statement. Any average daily balance of less than zero will be
treated as zero. A separate average daily balance will be calculated for each
balance type on your account.
B. The same as Method A, except unpaid Interest Charges are not included
mike beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance.
D. The same as Method C, except unpaid Interest Charges am not included
in the beginning balance.
E. (Daily Balance Method): We figure the interest charge on your account
by applying the periodic rate to the daily balance" of your account for each
day in the billing cycle. We then addthe interest tothe daily balance. To getthe
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits This gives us the daily balance. Any
daily balance of less than zero will be treated as zero. A separate daily
balance will be calculated for each balance type on your account. The
balance(s) shown in the Interest Charges section of this statement is the sum
of the daily balances for each day in the billing cycle divided by the number of
days in the billing cycle.
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge: C=Commercial.
You can request to receive statements in Spanish by calling customer
service number et 1-600-542-0800.
01 EY5433 - 2 - 01/17/2012
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on your account, you consent to GE Capital Retail Bankand anyother owner or servicer of your account contacting you
about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone
dialing system and/or en artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below
Street
Address
City, Stale,
Zip
Phone #
E-mail
Home Phone # Business Phone # 'Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
• everyday priced
no need for coup.:. (i
tw uvekend sale. .
rad Pecos mean 5rnd'
a
best prices-'
eery1st 8 310 tridey
we mark tt way down
score In blue. and
grab It ouldr:._. ..
mnsactiun Summary
Tran
Date Reference Number
Balance
Type Description of Transaction or Credit
02/07 P911900DNOOXTMWHI PAYMENT - THANK YOU
02/21 P911900E601SBF1S3 R JCP CATLG LOGISTIC CTR COLUMBUS OH
FOR QUESTIONS CALL
1.800.709-5777
CATALOG INV. 29017881
WAREHOUSE SHIPMENT
02/22 P911900E70ISQSGEV R JCP CATLG LOGISTIC CTR COLUMBUS OH
FOR QUESTIONS CALL
1-800-709-5777
CATALOG INV. 29016404
FACTORY SHIPMENT
FEES
02/23 LATE FEE
TOTAL FEES FOR THIS PERIOD
INTB2EST CHARGED
02/29 INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2012 Totals Year -hr -Date
Total Fees Charged in 2012
Total Interest Charged in 2012
Total Interest Paid in 2012
$70.00
S286.84
$146.11
Amount
($325.00)
521.66
$16.96
$35.00
S35.00
5136.91
$136.91
Interest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transactions on or before 10/162010
Regular Purchases
is the annual interest rate on your account.
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA 26.99% 53.447.49 S73.93 E
NA
23.99%
$3,303.93
$62.98
E
Card mem her News & Information
Your account reflects an amount past due. If you arc having difficulty
making this payment. we have several temporary repayment options
available to help make things easier for you. Call 1.800-527-3369
today to find out if you arc eligible for one of our payment options.
The following special promotions may be offered at jcpenncy stores in the U.S. and online atjcp.com: No Interest far 6. 12.
18 or 24 months or no interest until January 1.2013 or June 1, 2013. For each promotion, after the promotion ends. a rate of
26.99% will apply.
5433 1190 7 28 120229 0PAGE 2 of 3 9119 0200 0175 01E1'5433
Summary of Account Activity
Previous Balance
+ Fees Charged
+ Interest Charged
LEONARD C BEISH
Account Ending: •" ••' 312 71
6,546.12
535.00
5144.33
Ncw Balance
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
56,725.45
56,725.00
None
04/30/2012
31
sICPeiiii0 3Eivarifs:C�edttiiGx'_4(8Weir
current status: jcp rewards platinum
total year to date spend
additional spend needed to reach/maintain:
-jcp rewards gold status
-jcp rewards platinum status
5191.12
5308.88
5808.88
Visit us of jcp.cont/credit
Customer Service: 1-800-527-3369
PO Box 965009 Orlando FL 32896-5009
Payment Information
Ncw Balance
Amount Past Due
Total Minimum Payment Due
Payment Due Date
56.725.45
5663.00
S999.00
05/23/2012
Late Payment Warning: E we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $35.00.
Minimum Payment Warning: If you make only the
minimum payment each period. you will pay more in interest
and it will take you longer to pay off your balance.
For example:
:' y14}5. i! k ........
iu3ibisi-ii otyo!$,'.
: Qiio :biNl.4s:4 ..:
3 ;x�iih;?i is
ii!ii iFy'1 ftb 1 b E:%
••:;?iii b Iboe :;;#
:.".... 4i u ,bli;;: ::
iS:r:;8A!!fi?!ik:;i:5:!;:<:;ii!..
:;Abiciii 46•
i;,•; ••••,s okR kr? i].
evibtodm lekt
i'r'iii it<##
Only the Minimum
payment
9 years
510.996.00
If you would like information about credit counseling
services . call 1.877-302-8775.
30f 7 0111WEFel FGnr�r 1(extetttn
keep it up) earn jcp rewards platinum status again this
year and continue to enjoy these benefics next year.
-515 hiethdoy earned jcp reward
-earn up to S30 in jcp rewards each month]'
'go tojcprewards.com/credit & click on "how it works"
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment maybe converted into an electronic debit. Sec reverse for details, Billing Rights Information and other
important information.
1111111111111111111111111111111111 III
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO CECRB. —�
LEONARD C BEISH
.1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Account Ending: "• ••' 312 71
Total Minimum Amount Past Due Payment
Pnvmcnt Due Due Date
S999.00 5663.00
Ncw Balance
05/23/2012 I 56.725.45
FILL IN TOTAL PAID $ ... I U ..
•
New address or email? Print changes on the heck.
DADDAADAFA FFDDTTATTTFTATTDFFTFTA DADT I TTFTDAAAFADADTDTADATDTDAA FDD
- _ GECRB /jcp
P.O. Box 960090
DTDFFFDFDTFAFTAFTDTTDTTFTDTFDFFDFFTDDFDDDATATDFTTTTIVAWItjW§A6j0
5433
t194
7 29 120430
X PAGE 1 of 3 '
9119 0200 M175 01c1(5433
the jcpenney rewards gold i platinum credit card program
The jcpenney rewards gold I platinum credit card program offers many special benefits exclusively for our jcpenney rewards gold 1
platinum credit cardmembers, Including a 515 birthday earned jcp reward.
Please visit jcp.com/credit to learn more about the jcpenney rewards gold I platinum credit card program.
• Spend 5500 or more on merchandise or services with your jcpenney rewards credit card over 2 or more unique shopping days In each calendar year to
earn or maintain jcpenney rewards gold status. Spend 51,000 of more on merchandise or services with yourjcpenney rewards credit card over 2 or more
unqueshopping days in each calendaryearto earn or maintain jcpenney rewards platinum status. jcpenney rewards gold /platinum status Is determinedat
time of your monthly billing statement after meeting purchase threshold. We reserve the right to change or cancel the jcpenney rewards gold/ platinum
program or any or all of its benefits at any lime without notice. If your account is not In good standing and/or your no longer meet our criteria, you maybe
ineligible for the jcpenney rewards gold l platinum program and/or unable to take advantage of jcpenney rewards gold/ platinum promotions. The jcpenney
rewards gold/platinum program is available onlywhile you area resident of the 48 contiguous United States, Puerto Rico and Alaska. For complete details,
visit jcprewards.comlcredit or your local store.
Credits To YourAccounf: An amount shown in parenthesis or preceded bye minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will beapplied to your previous balance immediatelyupon receipt, but will not satisfy any requirements That maybe due.
Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Capital Retail Bank, Atte: Bankruptcy Dept., P.O. Box 103104, Roswell. GA 30076.
Your Account Is owned and serviced by GE Capital Retail Bank.
Hearing Impaired: TDD users call 1400.444-1732.
Customer Service/Questions: For account Information, please call the toll free number on the front of this statement. Unless your name is lived on this
statement, your access to information on the account maybe limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32896.5009. Please include your account number on any caresandence you send to us.
Payments:Send payments to P.O. Bax 960090,Odando FL 32896-0090 oronline.
Notice:Seebelow for your Billing Rghtsand other important information.T�pphoninngqabout billi errors will not preserve your rghtsunder federal law. To
preserve your rights, please write to our Billing Inquiries Address, P.O. Box 965M8. Orlando, FL 32896-5008.
Purchases. returns, and payments madejost env to billing dale may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-timeeleclronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer. kinds maybe withdrawn from your account as soon as the same
day we receive your payment, and you wit net cocoon your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment lwlth the paymen stub), In your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 0353494 and at the Payment Address,
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on you statement, wrke to us at the Billing
Inquiries Address of:
GE Capital Retail Bank. P.O.Box 985008 Orlando. FL 328965038
Or, complete and mai or fax the Dispute Form loud at:
wwwjcp.com/credl
In your letter,give us the following nformation:
• Account ircormatian You name and account number.
• Dollar amount: The dollar amourd of the suspected error.
• Descnpfion of Problem' If you think there is an error on your rill,
describe whatyouhelieveis ardwhyyou believe it is a mistake.
You must coriact us within 60 days after the error appeared on your
statement.
You must notify us of am, potential errors n wnling� You maycall us, but if
you do we are not required to investigate any pots tial errors and you may
aveto pay theamount it question.
While we investigate whither or not Were has been an error, the following
aretrve:
• We cannot try to aced the amount in question, or report you as
delinquent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, If we determine that we
modes mistake, Wuwil not have to pay the amount inquestionaany interest
or other fees related to That amount.
• While you do not have to pay the amount in question, you are
responsibleiathe remainder of your balance.
• We can apply any unpaid amount amountagainst your credit limit.
YourRighfs if You Am Dissatisfied With YourCredit Card Purchases
If you are dssatis0ed with the goods or services that you have purchased
with your credit card, and you have tried in good faah to correct the problem
with the merchant, you may have the right nit to pay the remaining amain
due Oil the purchase.
To use the right, all of the flowing must. be true:
1. The purchase must have been made n your home stale or within 100
mllesof your current malting address, andihe purchaseprice must have been
more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mated to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances horn an ATM or with a check that accesses your credk
cardaccantdonct qualify
3. You must not yet have July paid for the purchase.
If all d the criteria above are met and you are sill dissatisfied wlh the
purchase. contact uslnwrPJn (orelodronkely)at:
GE Capital Retail Bank P.O. Box 965006, Orlando, FL 328965008
(www.jcp.coMcredd)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation. wewtllee you our decision.
yAttuthat pont, if wethink you owe an amounted you do not pay we may report
Information bouttunpa Payments: You may at any
ytime In whole or in
part, the payment Ma ailed paymentsreceivedreccei nce without any
(ET an anyal daywwit be
wedded as of the next dry. Credit to your Account maybe delayed up to five
days if payment (a) is net received al he Payment Address, (b) Is not made In
U.S. dollars drawn one US. financial ins/Rution located In the U.S., (c) is mt
accompanied by the remittance coupon attached to your statement, d)
contains more than one payment or remittance coupon, e) Is not received in
the remktance envelope provided or (t) includes staples. paper dips, tape, a
folded check.ocorres nce of any type. Underordlnarycircumstances,
any payments made at a JCPenney store will be credited as of the day you
make such a payment. Aternatyyou may make your payment online at
the website address shown on your biting statement, paraded make
ur payment in US. dollars horn a bank located in the US.
All written communications concerning dlsput amoun
I u mg any check or ether payment instrument that: (i) indicates that the
payment constitutes "payment in Nr or Is tendered as full satisladan of a
disputed amount: or (ii is tendered with other condiiorrn or Imitations
Od5ardoedP OOBmost be mated ordeliveredtouse' PO. Bar 965008,
Credit keports and Account Information: If you believe that we have
reported inaccurate information about you to consumer ,reporting agency,
please ceded us at P.O. Box 96007.Orlando, FL 328955067.10 clang SO,
please Identity the naccurete information and tell us N
you believe is
incorrect. If you have a copy of the credi report That includes the inaccurate
nformafion, please include a copy of that report. We may report information
about your acceunt to credit bureaus Late payments, missed payments, or
other defaults on you account maybe reflected inyour credit report.
Balance Subject To Interest Charge Catxulatfon
A. (Average Daily Balance Including�current transactions): We fgure
the inleresl charge on your account % applying the periodic rate to the
"average daily balance" of your ecaum. To get the "average daily balance"
we take the beginning balance of you account each day which includes any
unpaid inten:sfcharges from the previous billing cycle, add any new charges,
and applicable lees end subtract any payments or credos. This gives us the
daily balance. Then, we add up all the dally balances ter the tiling cycle and
divide the total by the amber of days In the billing cycle. This goes us the
"average dairy balance," which is the balance shown in the Interest Charges
section or this statement. Any average daily balance of less than zero wlfhe
treated as zero. A separate average daily balance with be cakdated for each
ba lancetype onyou account.
B. The same as Method A, except unpaid Interest Charges are not Included
in the beginning balance.
C. The same as Method A. except new Purchases are na included in the
daily balance.
D. Thesame as Method C, except unpaid Interest Charges are not included
inthe beginning balance.
E. (Dally Balance Method): We figure the interest charge on you account
by applying the periodic rate to the daily balance" 01 your account for each
day In l he Ming cycle. Alk then odd the Merest to the d ally balance. To get the
"deity balance we lake the beginning balance of your account each day
(which includes unpaid Merest), add any new charges, and applicable fees,
and subtract any payments a credits. This gives us the daily balance. Any
daily balance of less than core will be treated as zero. A separate daily
balance wit be calculated for each balance type on your account. The
balance(s) shown In the Interest Charges section of this statement Is the sum
ofa yIhssedalybbalanin the Ming cceess for each day in the biting cycle dnided by the number of
dcle.
mealTyoe
=Regda Chargee;face ofM Major Purrchase CChfers arrgeeFCamerrcca.eat
You can request to recent statements in Spanish by caking customer
service number at 1-800542-0800.
O1EY5433 - 2 - 01/17/2012
This is an attempt to collect a debt and any information obtained WIN be used for that purpose.
'By providing a telephone number on your account, you consent to GE Capital Retail Bank and any otherawnerorservicerof your account contacting you
about your account, including using any contact information or cell phone numbers you provide. and you consent to the use of any automatic telephone
dialing system and/or an artificial or prerecorded voice when contacting you• even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the bar and print the changes below.
a
Street
Address
City, State.
Zip
Phone #
E-mail
Home Phone # Business Phone # 'Cell # or other phone # we Email Address
can use to contact you
By providing your email address. you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
ii ililitia Y'' 11:,10rw" %.
Transaction Sununnry
Tran
Date Rcfcrcncc Number
04/23
04/30
Balance
Type Description of Transaction or Credit
FEES
LATE FEE
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2012 Totals Year -to -Date
Total Fee Chargcd in 2012
Total Interest Chargcd in 2012
Total Interest Paid in 2012
5140.00
S568.43
S209.09
Amount
035.00
035.00
5144.33
0144.33
merest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transactions on or before 10/162010
Regular Purchases
is the annual interest ram an your account.
Annual
Expiration Pcrocntagc
Datc Rntc
NA
NA
Balance
Subject To
Interest Rate
Intcrcrt Bnlancc
Charge Mcthod
26.9990 S3.664.53 084.01
23.99%
02,960.11
060.32
Card member News R Information
Your account is past due. If you arc having difficulty making your
payments. we have many options available to help you bring your
account current including Lowering Payments. Payment Matching and
Interest Waivers. Call 1-800-527-3369 today to determine if you are
eligible for one of our payment options.
The following special promotions may be offered at jcpcnncy stores in the U.S. and online at jcp.com: No Interest for 6. 12.
18 or 24 months or no interest until January 1.2013 or June 1.2013. For each pmmotion. after the promotion ends. a rate of
26.99% will apply.
5433
H9H
7 28 120430
X PACE 2 of 3
9119 0200 9175 01E35433
Summary of Account Activity
LEONARD C BEISH
Account Ending: ••• •"• 312 71
Previous Balance
+ Fees Charged
+ Interest Charged
S6.725.45
$35.00
5148.35
Ncw Balance
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
S6.908.80
$6,725.00
None
05/31/2012
31
Payment Information
Visit us at jcp.com/credit
Customer Service: 1-800-527-3369
PO Box 965009 Orlando FL 32896-5009
New Balance S6.908.80
Amount Past Duc $999.00
Taal Minimum Payment Due $1,344.00
Payment Due Date 06/23/2012
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay n late
fee up to $35.00.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
u6ibtoi u(4uuYcn
`i i ;tbr bu%aotis : •'. t:`:
;c?pj;6i3tr* ,nes 2
«p; ? :8} ti;:
6§iit?9i411tit
.`• s>}
i2b1'i'4<%Y
r..
Only the Minimum
payment
8 years
SI 1,064.00
If you would like information about credit counseling
services .call 1-877-302-8775.
Trnnsnctiun Sunrnory
Tran
Dote Reference Numhcr
Balance
Type Description of Transaction or Credit
FEES
0523 LATE FEE
TOTAL FEES FOR THIS PERIOD
(Continued on next page)
Amount
$35.00
$35.00
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment maybe converted into on electronic debit. See reverse for details. Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GECRB.
1111111 I1111111IIII 11111111111 III 14
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050.7281
Account Endin : ••• "•" 312 71
New Balance
Total Mininuuu Amount Pact Dire
Payment Due
=r3EIMMII
5999.00
Payment
Due Date
0623/2012
$6,908.80
FILL IN TOTAL PAID ... .....
$ New address or email? Print change on the back.
TFAFFAATATDDTATTDFDTAFAFTAADAFDTAATAAFADDTTFTFATDFTFDTAAFDATTTATD
GECRB /jcp
P.O. Box 960090
TTADTFTDTFI-TAAFDFFDATTATTFFDFAFTIFFDFATFDDFFAFDTFD 11bHi1r(wMflk o0
5,133
non
7 28 120531 X pact 1 of 3
9119 0200 M175 01EY5933
the jcpenney rewards gold I platinum credit card program
The jcpenney rewards gold I platinum credit card program offers many special benefits exclusively for our jcpenney rewards gold I
platinum credit cardmembers, including a $15 birthday earned Jcp reward.
Please visit jcp.com/credit to learn more about the jcpenney rewards gold / platinum credit card program.
• Spend $500 or more on merchandise or services with yourjcpenney rewards credit card over 2 or more unique shopping days in each calendar year to
earn or maintain jcpenney rewards gold status. Spend $1,000 or more on merchandise or services with yourjcpenney rewards credit card over 2 or more
uniqueshopping days Meech calendaryearto earn or maintain jcpenney rewards platinum status. jcpenney rewards gold /platinum status is determined at
time of your monthly billing statement after meeting purchase threshold. We reserve the right to change or cancel the jcpenney rewards gold / platinum
program or any or all of its benefits at any time without notice If your account is not in good standing and/or your no longer meet our criteria, you may be
ineligible forihejcpenney rewards gold/platinum program and/or unable to take advantage of jcpenney rewards gold /platinum promotions. The jcpenney
rewards gold /platinum program is available only while you area resident of the 48 contiguous United Stales, Puerto Rico and Alaska. For complete details,
visit jcprewards.com/credit or your local store.
Credits To Your Account: An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
wit be applied toyourprevious balance immediately upon receipt, but will not satisfy any requirements that may bedue,
Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Capital Retat Bank, Attn: Bankruptcy Dept., P.O. Box 103104, Roswell. GA 30076.
Your Account is owned and serviced by GE Capital Retail Bank.
Hearing Impaired: TDD users call 1-800-444-1732.
CustomerServlce/OUestlons: For account information, please call the toll free number on the front of this statement Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32896.5009. Please include your account number on any correspondence you send loss.
Payments: Send payments to P.O. Boa 960090, Orlando FL 32896-0090 or pay online.
Notice: See below foryour Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law To
preserveyour rights, please writeto our Billing Inquiries Address, PO Box 965006, Orlando, FL 32996-5008.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from youraccount as soon as the same
day we receive your payment, and you will not receive our check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment with the paymen stub), in your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA30353.094 and not the PaymentAddress.
What To Do N You Think You Find A Mistake On Your Statement
II you think there is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Capital Retail Bank, P.O. Box 965008, Orlando, FL 32896-5008
Or, complete and mail or fax the Dispute Form found al:
wwwjcp.com/credit
In your letter, gee us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem: If you think there is an error on your bill,
descdbewhatyou believe is wrong and whyyou believe it is a mistake.
You must contact us within 60 days atter the error appeared on your
statement.
You must notify us of any potential errors in writing. You may call us, but if
you do we are not required to investigate any potential errors and you may
have to pay the amount in question.
While we investigate whether or not there has been an error, the following
aretrue:
• We cannot try to collect the amount in question, or report you as
delirpsent on that amount.
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that we
made a mistake, you will not have to pay the amount in question orany interest
mother fees related to that amount.
• While you do not have to pay the amount in question, you are
responsible forthe remainder of your balance.
• We can apply any unpaid amount against your credit limit.
YourRights H You AreDissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the fel bwing mustbe true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have been
more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mated to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in wdtin (or electronicaly) at:
GE Capital Retail Bank P.O. Box 965009, Orlando, FL 32896-5006
(wwwjcp.condcredit)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish ourinvestigatidn, we will tell you ourdecision
At that point, if we think you bwe an amount -and you do not pay we may report
you as delinquent.
Information About
he total pPayments: You may at any
gqtime ppaay, in whole or in
for
pmpayment Mailed paymaid ents received0er5lance without :00PM (ET)) on antional y day will be
credited as of the next day. Credit to your Account may be delayed up to five
days if payment (a) is not received at the Payment Address, (b) is not made in
U.S. dollars drawn on a U.S. financial institution located in the U.S., (c) is not
accompanied by the remittance coupon attached to your statement, (d)
contains more than one payment or remittance coupon, (e) is not received in
the remittance envelope provided or (f) includes staples, paper clips, tape, a
folded check, or correspondenceof anytype.Under ordinary circumstances,
any payments made ata JCPenneystore will be credited as of the day you
make such a payment. Alternativey you may make your payment online at
the website address shown on your billing statement, provided u make
your payment in U.S. dollars from a bank located in the U.S.
Pa ants: All written communications concerning dispute amour s,
in u ng any check or other payment instrument that: 0) indicates that the
paymentconstitutes'payment in full" oris tendered as lull satisfaction of a
disputed amount; or (ii) is tendered with other conditions or limitations
ODisputed Payments"), must be mailed or delivered to us at P.O. Box 965008,
rlando FL32896-508.
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about you to a consumer ne orfing agency,
please contact us at P.O. Box 965007, Orlando, FL 32896-5007. In doing so,
please identify the inaccurate information and tell us why you believe it is
incorrect. If you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
otherdefaults onyouraccountmay be reflected inurcredit report,
Balance Subject To Interest Charge Calculation
A, (Average Daily Balance includinggoycurrent transactions): We figure
the interest charge on your account t applying the periodic rate to the
"average daily balance" of your account To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interest -charges from the previous billing cycle, add any new charges,
and applicable fees and subtract any payments or credits This gives us the
daily balance. Then, we add up all the daily balances for the tilling cycle and
divide the total by the number of days in the billing cycle. This gives us the
"average daily balance," which is the balance shown in the Interest Charges
section of This statement. Any average daily balance of less than zero wlfbe
treated as zero. A separate average daily balance will be calculated for each
balance type on your account.
B. The same as Method A, except unpaid Interest Charges are not included
in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance.
D. The same as Method C, except unpaid Interest Charges are not included
inthe beginning balance.
E. (Daily Balance Method): We figure the interest charge on your account
by applying the perbdic rate to the daily balance of your account for each
day in the billing cycle. Wethen add the interest tothedailybalance.Togetthe
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. Any
daily balance of less than zero will be treated as zero. A separate daily
balance will be calculated fm each balance type on your account. The
balance(s) shown in the Interest Charges section of this statement is the sum
of the daily balances breach day in the billing cycle divided by the number of
days in the binine cycle.
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge, C=Commercial.
You can request to receive statements in Spanish by calling customer
service number at 1-800-542-0800.
01EY5433-2-01/17/2012
This is an attempt to collect a debt and any information obtained will be used for that purpose.
*By providing a telephone number on your account, you consent to GE Capital Retail Bank and any other owner or servicer of your account contacting you
about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone
dialing system and/or en artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the box and pint the changes below.
Street
Address
City, State,
Zip
Phone #
E-mail
Home Phone # Business Phone # *Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
Trmsaction Summary (Continued)
Tran
Date Reference Number
05/31
Balance
Type Description of Transaction or Credit
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2012 Totals Year-al-D:nc
Total Fees Charged in 2012
Total Interest Charged in 2012
Total Interest Paid in 2012
0175.00
S716.78
S209.09
Amount
0148.35
0148.35
Interest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transactions on or before 10/162010
Regular Purchases
is thc annual interest rate on your account.
Annual Balance
Expirntion Percentage Subject To Interest -Balance
Date Rate Interest Rntc Charged . Method
NA
NA
26.99% 53.786.00 586.79 E
23.99% 03.021.03 561.56
E
Cardntcmber News & Information
YOUR ACCOUNT HAS 4 PAYMENTS DUE. PLEASE PAY THE MINIMUM PAYMENT DUE
OR CONTACT THIS OFFICE AT THE NUMBER LISTED ON YOUR STATEMENT.
The following special promotions may be offered at jcpcnncy stores in thc U.S. and online at jcp.com: No Interest for 6, 12,
18 or 24 months or no interest until January I, 2013 or one 1, 2013. For each promotion, after the promotion ends, n rate of
26.99% will apply.
5433 59H 3 7 20 120531 %PAGE 2 of 3 9119 0200 0175 010r5433
the jcpenney rewards gold / platinum credit card program
The jcpenney rewards gold / platinum credo card program offers many special benefits exclusively for our jcpenney rewards gold I
platinum credit cardmembers, including a $15 birthday earned Jcp reward.
Please visitjcp.com/credit to learn more about the jcpenney rewards gold / platinum credit card program.
Spend $500 or more on merchandise or services with your jcpenney rewards credit card over 2 or more unique shopping days in each calendar year to
earn or maintain jcpenney rewards gold status. Spend 51,000 or more on merchandise or services with your jcpenney rewards credit card over 2 or more
unique shopping days in each calendaryearto earn or maintain jcpenney rewards platinum status. jcpenney rewards gold /platinum status is determined at
time of your monthly billing statement alter meeting purchase threshold. We reserve the right to change or cancel the jcpenney rewards gold / platinum
program or any or all of its benefits at any time without notice. If your account is not in good standing and/or your no longer meet our criteria, you may be
ineligible for the jcpenney rewards gold/ platinum program and/or unable lo take advantage of jcpenney rewards gold /platinum promotions. The jcpenney
rewards gold 1 platinum program is available only while you area resident of the 48 contiguous United States. Puerto Rico and Alaska. For completedetails,
visit jcprewards.comlcredit or your local store.
Credits To Your Accounh An amount shown in parenthesis or preceded by a minus (-) sign is a creditor credit balance unless otherwise indicated. Credits
will be applied toyourprevious balance immediately upon receipt, but will not satisfy any requirements that may bedue.
BanknrptcyNntice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Capital Retail Bank, Attn: Bankruptcy Dept., P.O. Bon 103104, Roswell, GA 30076.
Your Account is owned and serviced by GE Capital Retail Bank.
Hearing Impaired: TDD users call 1-800-444-1732.
CustomerServlce/Questions: For account information, please call the toll free number on the front of this statement, Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32596.5009. Please include your account number on any correspondence you send tous,
Payments:Send payments to P.O. Box 960090, Orlando FL 32896-0090 oryonline.
Notice: See below foryour Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserveyour rights. please write to our Billing Inquiries Address, P0. Box 965008, Orlando, FL 32896-5008.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your check to make an electronic fund transfer. fonds maybe withdrawn from your account as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with -the paymen stub), In your own envelope — not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353.0945 and not the PaymentAddress.
What To Do N You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
10 times Address of:
GE Capital Retail Bank. PO Bou 965006 Orlando, FL 32896-5008
Or, complete and mat or fax the Dispute Form found at:
wwwjcp.com/credit
In your letter, give us the following information:
• Account information: Your name and account number
• Dollar amount The dollar amount of the suspected error.
• Description of Problem' If you think there is an error on your bill.
describe what you believe is wrong and why you believe it's a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing. You may call us, but if
you do we are not required to investigate any potential errors and you may
haye to pay the amount in question.
While we investigate whether or not (here has been an error, the following
aretme:
• We cannot try to collect the amount in question, or report you as
delinquent on that amount,
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, it we determine that we
made a mistake, you will not have to pay the amount in question or any interest
orother lees related tothat amount.
• While you do not have to pay the amount in question. you are
responsiblefor the remainder of your balance.
• We can appy any unpaid amount against your credit limit
YourRlghts If You Are Dissatisfied With YourCredit Card Purchases
If you are dissatisfied with the goods or services that you have purchased
with Your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
dueonthe purchase.
To use this right, all of the fatkrvdng must be true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have been
more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you, or if we own the company that
sold you thegoods orservices.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account do not qualify.
3. You must not yet have Nlry paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in wnfin (orelectronicaly)at.
GE Capital Retail Bank P.O. Bae 965008, Orlando, FL 32896-5008
(wwwjcp.comlcredit)
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigatksn, we vnll lett you ourdecision.
At that point, if we think you owe an amount and you do not pay we may report
youas delinquent.
Information About
pPayments: You may at any
ithout ytime in whole or In
prepaymehe nt Mailed paymaid ents recceice ved after 5:00 Padditional
ETj any daywillfor
be
credited as of the next day. Credit to your Account may be delayed up to five
days it payment (a) is not received at the Payment Address, (b) is not made in
U.S. dollars drawn on a U.S. financial institution located in the U.S., (c) is not
accompanied by the remittance coupon attached to your statement, d)
contains more than one payment or remittance coupon, (e) is not received in
the remittance envelope provided Or (f) Includes staples, paper clips, tape, a
folded check, orcorrespondenceof anytype, Under Ordinary circumstances,
any payments made ala JCPenney store will be credited as of the day you
make such a payrnent. Alternatively you may make your payment online at
the website address shown on your billing statement, provided you make
your payment in US. dollars from a bank located in the U.S. Condibalal
Payments: All written communications concerning disputed amounts,
including any check or other payment instrument that: 4i) indicates that the
payment constitutes "p ment in NII" or is tendered as Tull satisfaction of a
disputed amount; or (ii is tendered with other conditions or limitations
(Disputed Paymentsl, must be mailed ordetvered to us at PO. Bar 965008,
Orlando FL3 896-5008.
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about you to a consumer reporting agency,
please contact us at P.O. Box 965007, Ovando, FL 32896-5007. In doing so,
please rdentily the inaccurate information and tell us why you believe d s
incorrect If you havea copy of the credit reportihat includes the inaccurate
information, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
other defaults on your account maybe reflected in your credit report.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance including current transactions): We figure
the interest charge on your account by applying the periodic rate to the
average daily balance" of your account. To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interest charges from theprevious billing cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gNes us the
daily balance, Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle. This gees us the
average daily balance' which is the balance shown in the Interest Charges
section of this statement. Any average daily balance of less than zero wit be
treated as zero. A separate average daily balance will be calculated for each
balancetypeon yuuraccount.
B. The same as Method A. except unpaid Interest Charges are not Included
in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance.
D. The same as Method C, except unpaid Interest Charges are not included
in the beginning balance.
E. (Daily Balance Method): We figure the interest charge on your account
by epplyng the periodic rate to the daily balance" of your account for each
day in the billing cycle. We then addtheinterest to the daily balance. Toget the
"daily balance we take the beginning balance Of your account each day
(which includes unpaid interest), add any new charges, and appticable fees.
and subtract any payments or credits. This gives us the daily balance. Any
daily balance or less than zero v411 be treated as zero. A separate daily
balance wit be calculated for each balance type on your account. The
balance(s) shown in the Interest Chargessection of this statement is thesum
of the daily balances for each day in the billing cycle dNided by the number of
days in the billing c le.
Balance Type on the face of this statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge: C=Commercial.
You can request to receive statements in Spanish by calling customer
service number at 1-800-542-0800.
01E95433-2-0111712012
This is an attempt to collect a debt and any Information obtained will be used for that purpose.
'By providing a telephone number on youraccount, you consent to GE Capital Retail Bank and any other owner or servicer of your account contacting you
about your account, including using any contact information or cell phone numbers you provide, and you consent lathe use of any automatic telephone
dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone number and/or email, please check the bore and print the changes below.
Street
Address
City, State,
Zip
Phone 9
E-mail
Home Phone tt Business Phone 9 'Cell 8 or other phone 5 we Email Address
can use to contact you
By providing your email address. you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receNe special offers and updates.
I ransaeuon Summary (Continued)
Tran
Date Reference Numbcr
06/29
Balance
Type Description of Transaction or Credit
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2012 Totals Yearn -Date
Total Fees Charged in 2012
Total Interest Charged in 2012
Total Interest Paid in 2012
$210.00
$859.24
5209.09
Amount
$142.46
5142.46
Interest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
is the annual interest rate on your account.
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA 26.99% $3,904.54 683.73 E
NA
23.99%
53,081.17
$58.73
E
Cardmcmhcr News & Information
Your account is past due. If you are having difficulty making your
payments, we have many options available to help you bring your
account current including Lowering Payments, Payment Matching and
Interest Waivers. Call 1-800-527-3369 today to determine if you are
eligible for one of our payment options.
Please see the Important Changes To Your Account Terms section for any changes being made to your account
that are not described in this section.
INFORMATION ABOUT CERTAIN PROVISIONS OF THE ENCLOSED JCPENNEY REWARDS CREDIT CARD
ACCOUNT AGREEMENT
Please carefully review the enclosed JCPenney Rewards Credit Card account agreement. It is an important legal document
and should be kept for future reference.
The enclosed agreement has been simplified to make it easier to understand. It also reflects GE Money Bank's name change
xs of October 1. 2011 to GE Capital Retail Bank. The key differences between your existing agreement and the enclosed
agreement arc summarized in the bullet points below (although some or all of these may already apply to your account) and,
if applicable, in the "Important Changes to Your Account Terms" section of this billing statement. There are additional
differences in tcrninology from your existing agreement.
The enclosed agreement will apply to your account immediately, except for any changes shown in the "Important Changes to
Your Account Terms" section of this billing statement. Those changes will take effect on the dates as indicated. If you reject
any changes shown in the "Important Changes to Your Account Terms" section of this billing statement, the enclosed
agreement will still apply to your account immediately and will replace your existing agreement, but the terms you reject will
not apply.
li RESOLVING A DISPUTE WITH ARBITRATION. This provision supersedes any arbitration provision in your existing
agreement. You have the right to reject this new provision, in which event neither you nor we will have the right to
require arbitration of any claim. See the Resolving A Dispute With Arbitration terms in Section 111 of the enclosed
agreement.
li CONSENT TO COMMUNICATIONS. This provision allows us to contact you using all channels of communication. See
the consent To Communications terms in Section 111 of the enclosed agreement.
li GOVERNING LAW. This provision explains that your account will be governed by federal law and, to the extent state
law applies. the laws of Utah without regard to its conflicts of law principles. It supersedes any governing law provision
in your existing agreement. See theoG vemine Law terms in Section III of the enclosed agreement.
(Continued on next page)
5433 H9H 7 28 120629 EXPAGE 2 of 4 9119 0200 0175 01E05433
.1
Important Changes to Your Account Tams
The following is a summary of changes that are being made to your account terms.
Unless otherwise noted, these changes will take effect on 08/31/12 .
You have the right to reject these changes. other than any changes to the Minimum Payment.
However, if you reject the changes that you are allowed to reject, you will not be able to use your
account for new transactions. You can reject these changes by calling us at I-800-543-0800.
For more information about the changes being made to your account, please see the Cardholder
Ncws and Information section of this billing statement and the enclosed JCPenney Rewards Credit
Card account agreement which will replace your existing agreement.
Minimum Payment:
We arc changing the total minimum payment on your account. We are eliminating certain
calculations for your regular account balance. In addition, on or before June 12, 2012, we
eliminated the Major Purchase Charge feature. If your account has un existing Major Purchase
Charge balance, we will calculate the required minimum payment applicable to that portion of your
account balance at 2.5% of your highest Major Purchase Charge balance since your Major
Purchase Charge balance was zero, rounded down to the whole dollar.
See below and the Minimum P•rymrm Cnlcul•vion terms in Section 11 of the enclosed agreement for
how your total minimum payment will be calculated.
"Minimum Payment Calculation. Your total minimum payment will be calculated as follows:
The greater of:
I. The sum of:
(a) 025, or 535 (which includes any past duc amounts) if you have failed to pay at least the total
minimum payment due by the duc date in any one or more of the prior six killing cycles; PLUS
(b) Any credit insurance premiums charged in the current billing cycle,
OR
2. The sum of:
(a) The following amounts, rounded up to the next highest whole dollar:
(i) Any past due amounts; PLUS
(ii) 1% of your new balance (excluding any Major Purchase Charge balance) shown on your
billing statement plus any interest charged in the current billing cycle on such balance; PLUS
(iii) Any late payment fees charged in the current billing cycle; PLUS
(h) Any credit insurance premiums charged in the current billing cycle; PLUS
(c) 2.5% of your highest Major Purchase Charge balance sines your Major Purchase Charge
balance was zero. rounded down to the whole dollar.
OR
3. If your account balance does not include debt cancellation fees, the sum of:
(a) Any unpaid interest (excluding any interest charged on any Major Purchase Charge
balance); PLUS
(b) Any credit insurance and other insurance premiums charged in the current billing cycle;
PLUS
(c) 2.5% of your highest Major Purchase Charge balance since your Major Purchase Charge
balance was zero. rounded down to the whole dollar; PLUS
(d) Any past duc amounts.
In any event, your total minimum payment will never be more than your new balance. Any total
minimum payment required in connection with a Major Purchase Charge balance will not he
increased. but may be included in the S25 or S35 minimum amount otherwise due on your account."
5433 H9H 1 28 120629 Ex PAGE 4 of 4 9119 0200 0175 01E55433
LEONARD C BEISH
Account Ending: "• •" 312 71
Summary of Account Activity
Previous Balance
+ Interest Charged
07,086.26
5161.26
New Balance
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
57,247.52
-• 56,725.00
None
07/31/2012
32
Visit us at jcp.com/crcdit
Customer Service: 1-800527-3369
PO Box 965009 Orlando FL 32896-5009
I':nmcnt Infonu llion
New:Balance
Amount Pat Due
Total Minimum Payincnt Due
Poynienl Doc Date -
57.247.52
01.690.00
52,060.00
08/23/2012
Late Payment Warning: 1f we do not receive your minimum
pnytnent by the date listed andve,you may hove topay a Inge
fee nolo 035.00.
Minimum Payment Warding: • . 18you'inake only the
minimum payment each period. you will pay mom in interest
and it will take you longer to pay off your balance.
Far c%mnplc:,
i<tf�iJiii'{tiolSkiUj
i#?2ih2;iti1k{b!ibE;i i;i1$ifjii0A4*1Aa
ii: 2::23!NJy?Son0)nf73;i
di,iiu;IobQ61
; 0.!i!,E41 ?•1X1?,Q?l/
,'•;S ?kit*.:;
: t9}t,:i,
Only the Minimum
8 years -
;SI1,135.00
• payment
If you wduld Like infdrination abhor credit counseling
scrvi00 ,call 1-877-302.8775.
Transaction Summary
Tran
Date Reference Number
(Continued on next page)
Balance
Type Description of Transaction or Credit
FEES
TOTAL FEES POR THIS PERIOD
• Amount
S0.00
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT -MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment maybe converted into oh electronic debit. Scc reverse for details, Billing Rights Information and other
important information. •
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GECRB.
111111110111111111111111111111III III
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Account Ending: 4.. "`" 312 71
Total Minimum Amount Past Due
Payment Out
S2.060.00
51:698.00
Payment New Balance
Due 1)mc
08/23/2012
FILL IN TOTAL PAID $ ...... ..
Ncw address or email? Print changes on the back.
AFAADTADADTTTFFADFFFAADFFAFAFAADTTADFAFDFAADATDTDAFTDDAFFAAADTAAA
GECRB /jcp
P.O. Box 960090
TTDTDDDFTPAAFFFDDDAATDADDFTADATDAFAAFTTDDDFTTFTTDDRO LT/SMLikf t
tammalwallWRIF
5433 090 1 7 24 120731 E0000E 1 of 3 9119 0200 0175 01E05433
patimaa
Transaction Summary (Continued)
Trim
Date Reference Number
07/31
Balance
Type Description of Transaction or Credit
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2012 Totals Year -to -Date
Total Fees Charged in 2012
Total Interest Charged in 2012
Total Interest Paid in 2012
5210.00
$1,020.50
' $209.09
Amount
' $161.26
. S 161.26
Interest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transactions on or before 10/16/2010
Regular Purchases
is the annual interest rate on your account.
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA 26.99% $4,020.51 $95.14 E
NA
23.99%
$3,143.55_
$66.12
E
Cardnrcmher News & Information
YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR
CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT.
5433
H9H
1 7 28 120131
EoPAOE 2 of 3
—I
9119 0200 14175 01E25433 •
the jcp gift card
baby, wedding or just because? give them something to remember.
Sunmuuy 01 Account Activity
in stares i> jcp corn. 1.800.E .616E
trans a,d vaci:ians epyi
LEONARD C BEISH
Account Ending: *nn nun 312 71
Previous Balance
+ Interest Charged
$7,247.52
$159.73
New Balance
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
$7,407.25
$6,725.00
None
08/31/2012
31
Visit us at jcp.com/credit
Customer Service: I-800-527-3369
PO Box 965009 Orlando FL 32896-5009
Payment Information
New Balance
Amount Past Due
Total Minimum Payment Due
Payment Due Date
$7,407.25
$2,060.00
$2,294.00
0923/2012
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $35.00.
Minimum Payment Wareing: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
iif3ittib*1t ti;:;<::?iifi?it
:oul'p ?bu cotcil , _ .
iois2;u(r.11:* pnlB ;
:SQ4b#:' i'
};?iEt
.abi Nrcw Lf i i; 'c:::
2f iiiiiiiiax 2::
: : a11fiNSi*::*
;AYttj4kt;it? ha
btl 10ll it io 6
t :$ ; .iQ ii ;i.S
"'i
Only the Minimum
payment
17 years
$16,853.00
If you would like info mation about credit counseling
services ,call 1-877-302-8775.
Transaction Summary
Tray
Date Reference Number
(Continued on next page)
Balance
Type Description of Transaction or Credit
FEES
TOTAL FEES FOR THIS PERIOD
Amount
$0.00
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GECRB.
111111111111111111II 111111111111II III
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Account Ending: eua ue, 312 71
Total Minimum Amount Past One
PaVnlcnt Otte
$2,294.00
$2,060.00
Payment New Balance
Me Date
FILL IN TOTAL PAID $ .... I I I
New address or email? Print changes on the back.
—I
DTFDATDADTAATFDAAAFDFDTADFFTTFFAFAFDAFDDTDADFFAA 11111 FDTAFFFDAFTA
GECRB /jcp
P.O. Box 960090
FTFTTATFDDFDTDDTADTFADAAFDA IF 11111 FTFATADTFOFTTAFDDIN. ILFSWIS 90
5433 H9H 1 1 28 120831 Ex PAGE 1 of 3 9119 0200 M175 01FC5433
the jcpenney gold / platinum credit card program
The jcpenney gold I platinum credlt card program offers many special benefits exclusively for our jcpenney gold /
platinum credit cardmembers, Including a $15 birthday earned jcp reward.
Please visitjcp.com/credit to learn more about the jcpenney gold / platinum credit card program.
' Spend 5500 or more on merchandise or services with your jcpenney credit card over 2 or more unique shopping days in each calendar year to earn or
maintain jcpenney rewards gold status. Spend $1,000 or more on merchandise or services with your jcpenney credit card over 2 or more unique shopping
days in each calendar year to earn or maintain jcpenney rewards platinum status. jcpenney rewards gold / platinum status is determined al time of your
monthly billing statement after meeting purchase threshold. We reserve the right to change or cancel the jcpenney rewards gob !platinum program or any
or all of its benefits at any time without notice. If your account Is not in good standing and/or your no longer meet our criteria, you may be ineligible for the
jcpenney rewards gob/ platinum program and/or unable to take advantage of jcpenney rewards gold l platinum promotions. The jcpenney rewards gold/
platinum program is available only while you are a resident of the 46 contiguous United States, Puerto Rico and Alaska. For complete derails, visit
jcprewards.comlcredit oryour local store.
Credits To Your Account: An amount shown in parenthesis or preceded by a minus (-) sign is a credit or credit balance unless otherwise Indicated. Credits
will be applied toyour previous balance Immediatelyupon receipt, but will not satisfy any requirements that may bedue.
Bankruptcy Notice: If you fib bankruptcy, you must send us notice. including account number and allinformation related to the proceeding to the following
address: GE Capital Retail Bank, Attn: Bankruptcy Dept., P.O. Box 103104, Roswell, GA 30076.
Your Account Is owned and serviced by GE Capital Retail Bank
Hearing Impaired: TDD users call 1-800.4441732.
Customer ServlcelOuestlons: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement. your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32896.5009. Please includeyou( account numberon anycorres•• dance you send to us.
Payments:Sendpayments toPO. Box960090,Orlando FL328•. rr•oor pay onhne.
Notice:See below tor your Billing Rights and other important information, Telephoning about bitting errors will not preserve your rights under federal law. To
reserve your rights. please write to our Billing Inquiries Address, P.O. Box 965008, Orlando. FL 32896-5008.
urchases, returns, and payments made just prior to billing date may not appear unci next month's statement. When you provide a check as payment, you
authorize us eitherto use Information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
transaction. When we useInformationfromour check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same
day we receive your payment, and you will et
not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), In your own envelope - not the enclosed window envelope,
addressed to: P.O. Box 530945, Atlanta, GA 30353.0945 and not Bre Payment Address.
What To Do If You Think You Find A Mistake On Your Statement
If you think there Is an error on your statement, write to us al the Billing
Inquiries Address of:
GE Capital Retail Bank, P.O. Box 965008 Orlando, F1.32896-5008
Or, compete and mai or fax the Dispute Form Pound al:
www.jcpoem/credd
In your leiter, give us the fdbwirg Information:
• Account information: Your name and acmtslt number.
• Ddkramount: The dollar amount of the suspected error.
• Description d Problem: If you think there is an era an your bill,
d escnbe what you believe is wrongg a nd why you believed is a mistake.
You must contact us within 60 days atter the error appeared on your
statement.
You must notify us of any potential errors in wring. You may cal us, but if
you do we are not required to investigate any potential errors and you may
rl aeetopay the amount hquestion.
Wnde we investigate whether or not there has been an error, the following
aretme:
• We cannot by t0 culled the amount b question, or report you as
delrquedathatamoud.
• The charge in question may remain on your statement. and we may
continue to charge you interest on that amount But, if we determine that we
made a m M ake, you xtl not lave to pay the amount in quest ion or eery interest
mother fees related to that amount.
• While you do not have to pay the amount in question. you are
responsible for the remainder of your balance.
• We can apply arty unpaid amount against your creek (mit.
Your Rights if Yee Am Dlssaf/sIled Wlfh YourCredlf Card Purchases
If you are dissatsled with the goods a services that you have purchased
will your credo card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not t0 pay the remaining amount
dueonthe purchase.
To use les right, all of the Idlowlng must be true:
1. The purchase must have been made in your hem* state or within 100
miles of your current mating address, and the purchase pike must have been
more than 550. (Note: Nether of these are necessary 11 your purchase was
based on an advertisement we mailed to you, or if we own the company That
soldyouthegoods or services.)
2. You must have used your credt card for the purchase. Purchases made
vAlh cash advances from an ATM or with a check that accesses your credit
card account do not quality.
3. You must not yet have fury paid for the purchase.
11 al of the criteria above are met and you are still dissatisfied with the
Purchase, contact usir writing (or eledmnicaly) at:
GE Capital Retail Bank PO. Box 965008, Orlando, FL 32896-5008
(wwwjcp.am/credd)
White we investigate, the same rules apply to the disputed amount as
discussedabove.Ala we@dishourdmsllgga Ibn,wewilltelysuourdedsbn.
At that point, If we think you ave an amount and you dont pay we mayreport
yyoouuesdeibquent.Informe pa
In whole or In
part heonf About nPay Payments:
u without anaf y additional charge for
perp the tttMf unpaid y
prepaymentdedaof the
Cs recoiledr Acrosetma00 PM ( be an any yeduptill Ibe
cradled y rte the next day. Credit toyourAccount mdi los de uptoeve
US. If llaymeawn on a U.S.enaan oral In Payment Address, (b)fs made h
U.S. dollais drawn on a USfinancial instdutbn located In the U.S.. (c) Is not
accompanied by the remittance coupon attached to your statement. (d)
contains more than one payment or remdtance coupon, (e) is not received in
the remdtanceenvelope provided or (t) includes staples, paper dips, tape. a
fobedchedt orcorresoondenceof anytype.Underordkary circumstances,
any payments made al a JCPenney store vitt be creclted as of the day you
make such a paaAAnnent. Aiernaiiely you may make your payment online at
the websle address shown on your biding statement, providedyou make
r payment in US. defiers from a bank located In the U.S. Conditional
e ts: Al written communications concerning dispted amounts,
mc erg any check or other payment Instrument that: (1) indicates that the
payment constitutes "- ment in kr a Is tendered es 1 satisfaction of
disputed amourd; or (1) Is tendered with other conditions or limitations
(Disputed Payments", must be mailed or delivered to is at P.O. Box965008,
Oriando F1.32106-5008.
Credit kepons and Account Information: If you believe that we have
reported inaccurate information aboutyou to a consumer reporting agency,
please contact us at P.O. Box 965001, Orlando, FL 328965007. In doing sq
please identify the inaccurate information and tell us why you believe itis
marred. II you have a copy of the credl report that Includes the Inaccurate
blormallon, please include a copy of that repel. We may report information
abort your account to credit bureaus. Late payments, missed payments, or
other defarlis on your account may be relleded in your credit report.
Balance Subject To Interest Charge Calculatron
A. (Average Daily Balance Including current transactions): We figure
the interest charge on your account try applying the periodic rate to the
average deity balance of your accou To gel the 'average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interesfcharges from the tamebus diGnq cycle, add any new charges,
and applicable fees and subtract any payments or credits. This gives us the
daily balance. Then, we add up all the daffy balances for the billing cycle and
d/de the total by the amber o1 days in the biting cycle. This gives us the
"average da1y balance," which is the balance shown in the Interest Charges
section of this statement. Arty average daily balance of less than zero 011 be
treated es zero. Aseperateaverage daily balance wil be cabdated for each
bala rce type a your aeon.
B. The same as Method A, except unpaid Interest Charges are not included
in the beginning balance.
C. The same as Method A, except new Purchases ere not Included in the
daily balance
D. The same as Method C, except unpaid Interest Charges vend included
lathe beginning balance.
E. (Daly Balance Method): We figure the interest charge on your account
by applying the pedalo rete to the deity balance" of your account fa each
day inthe bdingc de. Wethenaddtla interestto thedaiy balance. Togetthe
"daily balance we take the begndng balance of your account each day
(which includes unpaid interest), add any new charges, and appicable fees,
deity bnd alanceny loss than zero �wilulbe This
as zero. daily the eparatbalantee daily
balance w8 be calculated for each balance type on Your account. The
balance(s) shown tithe Interest Changes section of this statement B the sum
of the daly balances for each day in the blr'ng cycle dMded by the number of
daysbthebdkng cycle.
Balance Type on the face of this statement refers to the following payment
method: R=RegutarCharge: M=MajorPumhase Charge; C=Commeroal.
Ya can request to receive statements in Spanish by offing customer
service number at 1-800-542-0800. 01 FC5433. 1 •0823/2012
This is an attempt to culled a debt and any information obtained will be used for that purpose.
'By providing a lelephonenumberon your account, you consent to GE Capital Retail Bank and any otherowner or servicer of youraccount contacting you
about your account. bcbding using any contact Information or cell phone numbers you provide, and you consent to the use of any automatic telephone
dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged far the call under your phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below.
Street
Address
City, State,
Zip
Phone e
E -mal
Home Phone M Business Phone M 'Cell Mor other phone M we Email Address
can use to contact you
By providing your email address. you agree to nacelle email communications about your account and also give permission
lot us to share your email address to JCPenney so you can receive special offers and updates.
get ft aH
sign up and every month, get updates sent right
to your mobile phone, email inbox - or both)
message and data tares may apply. 'AM will not
be autrnat:onlly op ted in to ra' tine teal alerts.
tyr text alerts. reply Y to S27365 (r msgs/'month).
mot ie terms S conditions www..jcpern !C.
tela HELP for iredp and STOP to asa^:::el text:.
text
CR12
to JCP365
(527365)
Timtsaction Sununary (Continued)
Tran
Date Reference Number
08/31
Balance
Type Description of Transaction or Credit
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2012 Totals Year -to -Date
Total Fees Charged in 2012
Total Interest Charged in 2012
Total Interest Paid in 2012
$210.00
$1,180.23
$209.09
Amount
$159.73
$159.73
Interest Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Transsetions on or before 10/16/2010
Regular Purchases
is the annual interest rate on your account.
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA 2699% $4,115.22 594.34 E
NA
23.99%
$3,209.29
$65.39
E
Cardmemhcr News in lufouumion
Your account is in default Pursuant to your Account Agreement, if we
do not receive sufficient payment by the due date above, we will
terminate any financing promotion(s) on your account and seek
immediate payment of your entire account balance. Please contact us
at 1-800-945-6596 for the amount you must pay to avoid this.
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159 50809 (talon glpnp ttn sp_murh
ofnfc-Prams rotmrttnpnftiVrouf pttrCttefiAltr;S
SIS:;;AUgUStto'benefit Boys& arls Clubs OPAtnE
nc!444 pragtwilsittatIrlsPirt.ondetnptt rktl
cr<sSSAtxerica;`::
5433
H9H
7 28 120831
E x PAGE 2 of 3
9119 0200 M135 01FC5433
the jcp gift card
baby, wedding or just because? give them something to remember.
in stores' jcp com * 1.&00.222.6161
terns and coli :m apgi/
LEONARD C BEISH
Account Ending: + **+ 312 71
Sunuuary of Account Activity
Previous Balance
- Other Credits
S7.407.25
$7,407.25
New Balance
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
$0.00
$6,725.00
None
09/28/2012
29
Visit us at jep.com/credit
Customer Service: 1-800-527-3369
PO Box 965009 Orlando FL 32896-5009
Payment lnfunuatiun
New Balance
Amount Past Duc
Total Minimum Payment Due
Payment Due Date
$0.00
$0.00
$2,369.00
09/20/2012
Late Payment Warning: If we do not receive your minimum
payment by the date listed above. you may have to pay a late
fee up 10 635.00.
Transaction Summary
Tran
Date Reference Number
0928 F911900M000999990
09/28 F911900M000999990
0928
Balance
Type Description of Transaction or Credit
R CHARGE OFF ACCOUNT -PRINCIPALS
R CHARGE OFF ACCOUNT 'FINANCE CHARGES"
FEES
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
INTEREST CHARGE ON PURCHASES
TOTAL INTEREST FOR THIS PERIOD
2012 Totals Year -to -Date
Total Fees Charged in 2012
Total Interest Charged in 2012
Total Interest Paid in 2012
$210.00
$1,180.23
$209.09
Amount
($5,509.61)
($1,897.64)
S0.00
$0.00
$0.00
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment maybe converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
1111111111111111111111111111111111 111
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GECRB. —I
LEONARD C BEISH
1505 LOUISA LN
MECHANICSBURG PA 17050-7281
Account Ending: 312 71
Total Mininnuu Amount Past Due
Payment Due
$2,369.00
$0.00
Payment
Duo Onto
09/30/2012
New Balance
FILL IN TOTAL PAID $ .. . I I I I
New address or email? Print changes on the back.
DTFATFDATFFAADTDFADFTTFATDTFTTDFAF-DAI It 11 AFFFFDADTDADAFDAATTDFFFD
GECRB /jcp
P.O. Box 960090
TDDFTDETTDTFAAFFDAAADFADTADFTAAAFFADTDADADDAADDDTdjitAMAARWM6FT
5933
H9H
3 28 120928
eX PAGE 1 of 3
9119 0200 M175 O1rC5933
the jcpenney gold / platinum credit card program
The jcpenney gold / platinum credit card program offers many special benefits exclusively for ourJcpenney gold /
platinum credit cardmembers, including a 615 birthday earned jcp reward.
Please visitjcp.com/credit to learn more about the jcpenney gold 1 platinum credit card program.
' Spend S500 or more on merchandise or services with your jcpenney credit card over 2 or more unique shopping days in each calendar year to earn or
maintain jcpenney rewards gold status. Spend 91.000 or more on merchandised: services with yourjcpenney credit card over 2 or more unique shopping
days in each calendar year to earn or maintain jcpenney rewards platinum status. jcpenney rewards gold / platinum status is determined at time of your
monthly billing statement after meeting purchase threshold. We reserve the right to change or cancel thejcpenney rewards gold / platinum program or any
or all of its benefits at any time without notice. If your account is not in good standing and/or your no longer meet our criteria, you may be ineligible for the
jcpenney rewards gold / platinum program and/or unable to take advantaged jcpenney rewards gold / platinum promofions. The jcpenney rewards gold t
platinum program is available ony while you are a resident of the 48 contiguous United States. Puerto Rico and Alaska. For complete details, visit
jcprewards,com/credit oryour local store.
Credits To YourAcceunf: An amount shown in parenthesis or preceded by a minus (-) sign Ise creditor credit balanceunless otherwise indicated. Credits
will be applied toyour previous balance immediately upon receipt, but will not satisfy any requirements that may bedue.
BankruptcyNotice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
address: GE Capital Retail Bank, Attn: Bankruptcy Dept., P.O. Box 103104, Roswell, GA 30076.
YourAccounf Is owned and serviced by GE Capital Retail Bank.
Hearing Impaired: TDD users call 1-800-444-1732.
Customer Service/Questions: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this
statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 965009, Orlando, FL
32898-5009. Please include your account numberon any correspondence you send to us.
Payments: Send payments to PO Bar 960090, Orlando FL 32886-0090 or pay online.
Notice: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To
preserve your rights, pieasewriteto our Billing Inquiries Address. P.O. Box 965008. Orlando, FL 32896-5008.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you
authorize us either to use information from your check to make a one -lime electronic fund transfer from your account or to process the payment as a check
transaction. When we use information from your checkto make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same
day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment
collected electronically by sending your payment (with the paymen stub), in your own envelope — not the enclosed window envelope,
addressed to: PO. Box 530945, Atlanta, GA 30353.0946 and not the Payment Address.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Billing
Inquiries Address of:
GE Capital Retail Bank, P0. Box 965008, Orlando, FL 32896-5008
Or, complete and mail or fax the Dispute Form found at:
wvAvjcp.com/credit
In your letter, gtee us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem: If you think there Is an error on your bill,
describe what you believe iswrong andwhy you believe it is a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in witting. You may call us, but if
you do we are not required to investigate any potential errors and you may
have to pay the amount Inquestbn.
While we iorestigate whether or not there has been an error, the following
aretrue:
• We cannot try to collect the amount in question, or report you as
delinquent on that amount.
• 1 he charge in question may remain on your statement. and we may
continue to charge you interest on That amount. But, if we determine that we
made a mistake, you will not have to pay the amount in question or any interest
°rather fees related to that amount.
• While you do not have to pay the amount in question. you am
responsible for the remainder of your balance.
• We can appy any unpaid amount against your credit limit.
YourRlghtsIf YouAreDlssatls#ed VAlli Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
dueon the purchase.
To use this right, all of the following mustbe true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have been
more than 550. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check That accesses your credit
card account do not qualify.
3. You must not yet have Nlly paid for the purchase.
If all of the criteria above are met and you are stitl dissatisfied with the
purchase, contact us in wrifing(orelectronically) at:
GE Capital Retail Bank P.O. Box 965008, Orlando, FL 32896-5008
(www.lcp.comlcredit)
While we investigate, the same rules appy to the disputed amount as
discussed above. Atterwefnish our investigqaation,wewill tellyou our decision.
At that point, if we think you owe an amount and you do not pay we may report
you as delinquent.
Information About Payments: You may of any Dme pay, in whole or In
part, the total unpaid balance without any additional charge for
prepayment Mailedpayments receked after 5:00 PM (ET) on any day will be
credited as of the next day. Credit to your Account may be delayed up to five
days it payment (a) is not received at the Payment Address, (b) is not made in
U.S. dollars drawn on a U.S. financial insbiution boated in the U.S., (c) is not
accompanied by the remittance coupon attached to your statement, (d)
contains more than one payment or remittance coupon, (e) is not received in
the remittance envelope provided or (1) includes staples, paper clips. tape, a
folded check, or correspondence of any type. Urderordinary circumstances,
any payments made ata JCPenney store will be credited as of the day you
make such a payment. Alternatively you may make your payment online at
the website address shown on your billing statement, provided you make
your payment in U.S. dollars from a bank boated in the U.S. Conditional
Payments: All written communications concerning disputed amounts,
including any check or other payment instrument that: (1) indicates that the
payment constitutes "payment in full' or is tendered as full satisfadbn of a
disputed amount; or (ii) is tendered with other conditions or limitations
("Dosputed Payments'1, must be mailed or delivered to us at PO. Box 965008,
Orlando FL32896-5008.
Credit Reports and Account Information: If you believe that we have
reported inaccurate information about You to a consumer reporting agency,
please contact us at PO. Box 965007, Orlando, FL 32896-5007. In doing so,
please identify the inaccurate information and bell us why you believe k's
incorrect 11 you have a copy of the credit report that includes the inaccurate
information, please include a copy of that report. We may report information
about your account to credit bureaus. Late payments, missed payments, or
otherdefaults on youraccount may be reflected inyour credit report.
Balance Subject To Interest Charge Calculation
A. (Average Daily Balance includingghycurrent transactions): We figure
the interest charge on your account t applying the perbdic rale to the
"average daily balance" of your account. To get the "average daily balance"
we take the beginning balance of your account each day, which includes any
unpaid interest charges from the previous bilk cycle, add any new charges,
and applicable fees and subtract any payments or credits. This glues us the
daily balance. Then, we add up all the daily balances for the billing cycle and
divide the total by the number of days in the billing cycle. This g5es us the
"average dairy balance,"which is the balance shown in the Interest Charges
section of the statement. Any average dal balance of less than zero wilt be
treated as zero. A separate average daily balance will be calculated for each
balance type on youraccount.
B. The same as Method A, except unpaid Interest Charges arena included
in the beginning balance.
C. The same as Method A, except new Purchases are not included in the
daily balance.
D. The same as Method C, except unpaid Interest Charges are not included
in the beginning balance.
E. (Daily Balance Method): We figure the interest charge on your aoceunt
by applying the periodic rate to the da IN balance" of your account for each
day in the bilhn9 cycle. Welhen add the interest to the daily balance, To get the
"daily balance we take the beginning balance of your account each day
(which includes unpaid interest), add any new charges, and applicable fees,
and subtract any payments or credits. This gives us the daily balance. Any
daily balance of less than zero will be treated as zero A separate dairy
balance will be calculated for each balance type on your account. The
balance(s) shown in the Interest Charges section of (his statement is the sum
of the daily balances (°reach day in the billing cycle divided by the number of
days in lhebilling cycle.
Balance Type on the face of the statement refers to the following payment
method: R=Regular Charge; M=Major Purchase Charge; C=Comnerve I.
You can request to receive statements in Spanish by calling customer
service number at 1-800-542-0800.
01FC5433-1-08232012
This is an attempt to collect a debt and any information obtained will be used for That purpose.
'By providing a telephone number on your account, you consent to GE Capital Retail Bank and any other owner orservicerof your account contacting you
about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone
dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
For changes of address, phone numberandlor email. please check the box and print the changes below.
Street
Address
City, State,
Zip
Phone #
E-mail
Home Phone # Business Phone # 'Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission
for us to share your email address to JCPenney so you can receive special offers and updates.
uz Claiborne
only at (cp
introducing an exciting new shop
Fashion designer Liz Claiborne founded her brand in 15175 With
the idea that clothes should be designed to tit the way you live.
The now iconic. brood Is known for modem twists on timeless . .
pieces that make your transition from work to play effortless,
To celebrate over 35 years of Groat style, we've created an
exclusive shop Inside (Co with everything Lb—Including clothing,
acrossories, shoes and handbags, all at great pries every day.:
jcp.com/liz
Inreicat Charge Calculation
Your Annual Percentage Rate (APR)
Type of Balance
Current Transactions
Regular
Trnnsactions on or before 10/16/2010
Regular Purchases
is the annual interest rate on your account.
Annual Balance
Expiration Percentage Subject To Interest Balance
Date Rate Interest Rate Charged Method
NA
26.99% $0.00 $0.00 E
NA 23.99% $0.00 50.00 E
5433
son
3 28 120928
cares
change for the better
too r<!re s IS about more dm just doing good.
We care about doing good In the best possible
way :anti wit promise :hail (It: re}pctrslhillty to each
comrnemity •au starve doesn't end at our !root door.
.foie tub cares by rounding till your burs:hale
in stores this September to benefit reach for
Arneriol, an organization that deveic•ps teachers
and leaders to make America's schools great.
Parr mom information. visit lcp•com/epcares.
TEAR FORAMERICA
L x PAGE 2 of 3
9119 0200 9115 01sC5433
VERIFICATION
The undersigned, Gregg L. Morris, hereby states that he is the attorney for Plaintiff in
this action and verifies that the statements made in the foregoing pleading are true and correct to
the best of his knowledge, information and belief. By virtue of the fact that the Plaintiffs
representative is outside the jurisdiction of the Court and the verification cannot be obtained
within the time allowed for the filing of this pleading, the pleading is submitted by counsel
having sufficient knowledge, information and belief based upon the information provided to him
by the Plaintiff and based upon his own personal knowledge. Plaintiff has represented to counsel
that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within
the foregoing pleading. Plaintiff has provided counsel with all relevant information in order to
allow counsel to sign this verification. Plaintiff agrees to provide a verification signed by
Plaintiff upon request by Defendant. The statements are made subject to the penalties of 18
Pa.C.S. Section 4904, relating to unsworn falsification to authorities.
Date: November 26, 2014
. Morris, Esquire
ate a, de & Felix, A.P.C.
U213. E:'ain Street
Carnegie, PA 15106
(412) 429-7675
PA_01 Atty Verification P&F File No. 14-18645
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL RETAIL BANK
Plaintiff
v.
LEONARD BEISH
Defendant(s)
NO. 14-6459
PRAECIPE TO SUBSTITUTE
VERIFICATION
Filed on behalf of:
SYNCHRONY BANK FNA GE
CAPITAL RETAIL BANK
Counsel of Record for This Party:
Gregg L. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
PA_158D Prcp Substitue Verification P&F File No. 14-18645
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL RETAIL BANK )
)
Plaintiff ) NO. 14-6459
)
)
)
)
)
)
)
)
V.
LEONARD BEISH
Defendant(s)
PLAINTIFF'S PRAECIPE TO SUBSTITUTE VERIFICATION
TO: Prothonotary
Kindly substitute the attached verification made by an employee and representative of
Plaintiff, SYNCHRONY BANK FNA GE CAPITAL RETAIL BANK for the verification of
Plaintiffs counsel filed in the matter captioned above. Thank you.
Date: December 05, 2014
Res e ily submitted:
Pate ausL & Felix, A.P.C.
e, 'A 15106
/PA
,
(412) 429-7675
PA_158D Prcp Substitue Verification P&F File No. 14-18645
Defendants Name: LEONARD BEISH,
Accounts Number: )00000000000(3127
VERIFICATION
I hereby state that I am an employee for the plaintiff herein, with authority to sign this
verification; and that the facts set forth in the foregoing Complaint In Civil Action with respect to the
balance due are true and correct to the best of my knowledge, Information and belief. The language In
the Complaint Is that of counsel and not of plaintiff. To the extent that the contents of the Complaint
are that of counsel, ptaintiff has relied upon counsel in making this verification. This verification Is made
subject to 18 Pa.C.S. Section 4904 which provides for certain penalties for making false statements.
ctJ
Kasha Scott
Specialist, Recovery Liaison Attorney
Programs
PA OIG£ Veriflcatioa P&F File No, 14-18643
I, GREGG MORRIS, attorney for Plaintiff, SYNCHRONY BANK FNA GE CAPITAL
RETAIL BANK , hereby certify that a true and correct copy of foregoing document was served
this date by ordinary mail upon the following:
Robert D. Klingensmith, Esq.
209 West Patriot Street
Somerset PA 15501
Date: December 05, 2014
, sq ire
& Felix, A. .C.
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
PA 65 Certificate of Service P&F File No 14-18645
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL RETAIL BANK
Plaintiff
v.
LEONARD BEISH
Defendant(s)
NO. 14-6459
CERTIFICATION OF SERVICE
OF COMPLAINT IN CIVIL
ACTION
Filed on behalf of:
SYNCHRONY BANK FNA GE
CAPITAL RETAIL BANK
Counsel of Record for This Party:
Gregg L. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
PA 103A Cert Service P&F File No. 14-18645
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL RETAIL BANK )
)
Plaintiff ) NO. 14-6459
)
)
)
)
)
)
)
)
v.
LEONARD BEISH
Defendant(s)
CERTIFICATION OF SERVICE
I, GREGG MORRIS, attorney for Plaintiff, above named, hereby certify that a true and
correct copy of COMPLAINT IN CIVIL ACTION was served this date by ordinary mail upon
the following:
HAROLD SHEPLEY & ASSOC, ESQ.
209 WEST PATRIOT ST
SOMERSET PA 15501
Date: December 03, 2014
ain Street
Carnegie, PA 15106
(412) 429-7675
PA 103A Cert Service P&F File No. 14-18645
I, GREGG MORRIS, attorney for Plaintiff, SYNCHRONY BANK FNA GE CAPITAL
RETAIL BANK , hereby certify that a true and correct copy of foregoing document was served
this date by ordinary mail upon the following:
Harold Shepley & Assoc, Esq.
209 West Patriot St
Somerset PA 15501
Date: December 03, 2014
squ
a enaud & Felix, A.P.C.
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
PA_65 Certificate of Service P&F File No 14-18645
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL :
RETAIL BANK •
Plaintiff •
CIVIL ACTION -LAW
•
v. NO: 14-6459
•
PRAECIPE TO ENTER APPEARANCE
LEONARD BEISH
Defendant •
Filed on Behalf of Defendant:
LEONARD BEISH
Counsel of Record:
Robert D. Klingensmith, Esquire
PA LD. # 313960
HAROLD SHEPLEY & ASSOCIATES, LLC
209 West Patriot Street
Somerset, PA 15501
(814) 444-0500
(814) 444-0600 (fax)
rklingensmith@shepleylaw.com
rn r=7-1 rri
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- C51
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL :
RETAIL BANK
Plaintiff CIVIL ACTION -LAW
v.
LEONARD BEISH
Defendant
NO: 14-6459
PRAECIPE TO ENTER APPEARANCE
TO THE PROTHONOTARY:
Kindly enter the appearance of ROBERT D. KLINGENSMITH, ESQUIRE and the law
firm of HAROLD SHEPLEY & ASSOCIATES, LLC, on behalf of the Defendant, LEONARD
BEISH, in the above captioned matter.
1 JO' (P[1(
Robert D. Klingensmith, Esquire
Attorney for the Defendant
Harold Shepley and Associates, LLC
209 West Patriot Street
Somerset, PA 15501
(814) 444-0500
(814) 444-0600 (fax)
rklingensmith@shepleylaw.com
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL :
RETAIL BANK •
Plaintiff •CIVIL ACTION -LAW
v. •NO: 14-6459
PRELIMINARY OBJECTIONS
LEONARD BEISH
Defendant
Filed on Behalf of Defendant:
LEONARD BEISH
Counsel of Record:
Robert D. Klingensmith, Esquire
PA I.D. # 313960
HAROLD SHEPLEY & ASSOCIATES, LLC
209 West Patriot Street
Somerset, PA 15501
(814) 444-0500
(814) 444-0600 (fax)
rklingensmith@shepleylaw.com
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL :
RETAIL BANK •
Plaintiff •CIVIL ACTION -LAW
v. •NO: 14-6459
•
•
LEONARD BEISH •
Defendant •
DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028
AND NOW, comes the Defendant, LEONARD BEISH, by and through his attorney,
Robert D. Klingensmith, Esquire of Harold Shepley & Associates, LLC, and files the following
Preliminary Objections to Plaintiff's Complaint:
1. Plaintiff filed a Complaint in Civil Action against Defendant demanding damages
in the amount of $7,407.25.
2. Plaintiff's Complaint fails to conform to law or rule of court under Pa. R.C.P.
1028(a)(2).
3. Plaintiff's Complaint contains insufficient specificity in its pleading under Pa.R.C.P.
1028(a)(3).
Objection I Pa.R.C.P. 1028(a)(2)
4. The Plaintiff alleges to have purchased the alleged account from GE Capital Retail Bank.
5. The assignment showing that the Plaintiff has appropriate standing is not attached to the
Complaint. There is nothing in the Complaint that shows this individual alleged account was in
fact purchased/assigned by the Plaintiff. The assignment attached does not show the individual
account in question was in fact subject to the assignment.
6. When the Plaintiff is not the original credit holder, they must show they have proper
standing to bring the lawsuit. This can be accomplished by a bill of sale or proof of assignment
showing the individual account in question.
7. The assignment in no way shows the individual account was subject to the assignment.
8. Therefore, Plaintiff's Complaint fails to conform to law or rule of court under Pa.R.C.P.
1028(a)(2).
WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an
Amended Complaint or dismiss this action with prejudice.
Objection II Pa.R.C.P. 1028(a)(3)
9. Pa.R.C.P. 1019 (a) requires that the material facts on which a cause of action or defense
is based shall be stated in a concise and summary form.
10. Pa. R.C.P. 1019(0 requires that averments of time, place and items of special damages
shall be specifically stated.
11. Plaintiff in this matter claims that the Defendant opened and used a credit account issued
by Plaintiff.
12. Plaintiff has attached numerous account statements to its Complaint.
13. However, the earliest statement is from December of 2010 and shows a previous balance
of over $6,400 dollars.
14. The Complaint has failed to plead the various transactions and purchases which resulted
in the alleged debt due.
15. Pursuant to Pa.R.C.P. 1019(0 Plaintiff has failed to provide information of the time and
places any items were allegedly bought on the credit card.
16. By failing to include documentation of what items were purchased, when those items
were bought and the amount of each purchase, Defendant is unable to ascertain the validity of
the amount owed on the account.
17. Plaintiff has also failed to provide documentation of any cash advances made by Plaintiff.
18. Plaintiff has failed to provide a concise summary of the payments made by the Defendant
on the alleged account as well as the date of last payment.
19. Without a showing of the last payment on the account, the Plaintiff can not establish that
this suit was filed within the statute of limitations.
20. Furthermore, if Plaintiff is suing under a breach of contract theory, then the Plaintiff has
failed to attach the writing in which it relies.
21. If the contents of the pleading are based on a writing, which it appears Plaintiff is
alleging that it does, then Plaintiff has failed to attach a copy of the original account agreement
and all amendments to any such agreement, or provide a reason why the original agreement is
and all amendments to said agreement are not accessible and set forth the substances of the
writings (Pa.R.C.P. 1019(i).
22. This lack of a writing is not sufficient under Pa.R.C.P. 1019(i).
23. As a result, Plaintiff's Complaint contains insufficient specificity as required under
Pa. R.C.P 1028(3).
WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an
Amended Complaint or dismiss this action with prejudice.
Respectfully submitted,
Robert D. Klingensmith, Esquire
PA I.D.# 313960
Harold Shepley & Associates, LLC
209 West Patriot Street
Somerset, PA 15501
Attorney for Defendant
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL :
RETAIL BANK
Plaintiff
v.
LEONARD BEISH
Defendant
•
•
•
CIVIL ACTION -LAW
NO: 14-6459
CERTIFICATE OF SERVICE
I served this Petition to Enter Appearance, Preliminary Objections and Brief in Support
of Preliminary Objections by U.S. Mail, postage prepaid, at 213 E. Main Street, Carnegie, PA
15106 on Gregg Morris, Esquire, of Patenaude and Felix, A.P.C. the Attorney for the Plaintiff,
Synchrony Bank on December 23, 2014.
I declare under penalty of perjury that this information is true.
Date: December 23, 2014
L)UP L'7i P,t
Server's Signature
Gretchen Giles — Legal Assistant
Printed Name and Title
Harold Shepley & Associates, LLC
209 West Patriot St.
Somerset, PA 15501
Server's Address
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
SYNCHRONY BANK FNA GE CAPITAL :
RETAIL BANK
Plaintiff
CIVIL ACTION -LAW
v. NO: 14-6459
LEONARD BEISH
Defendant
•
•
•
Order of Court
On this day of , upon consideration of defendant(s)'
preliminary objections, it is hereby ORDERED that plaintiff(s)' complaint is stricken.
Plaintiff(s) is (are) granted days leave to file an amended complaint. If the plaintiff(s)
fail(s) to file an amended complaint within days of the date of this order, upon
praecipe of defendant(s), the Prothonotary, shall dismiss the case with prejudice.
BY THE COURT
J.