EFTA00186383 Page 1 of 31
PAYMENT DUE DATENEW BALANCEMINIMUM DUE
07/16/2005$3,853.85$77.00
ACCOUNT NUMBER: | **JEFFREY E EPSTEIN** | | | :--- | :--- | | 457 MADISON AVENUE | | | C/O J. EPSTEIN CO 4TH FL | | | NEW YORK NY 10022-6843 | | # Facsimile Copy CHASE Chase Gold MasterCard
NEW BALANCE $3,853.85PAYMENT DUE DATE 07/16/2005TOTAL CREDIT LINE $18,600TOTAL AVAILABLE CREDIT $14,746STATEMENT CLOSING DATE 06/21/2005
## Here is your Account Summary:
TOTAL
Previous Balance$1,568.99
(-) Payments, Credits1,652.19
(+) Purchases, Cash, Debits3,913.65
(+) FINANCE CHARGES23.40
(=) New Balance3,853.85
Minimum Payment Due$77.00
Here are your Charges and Credits at a glance:
TRAN. DATEPOST DATEREF. NO.DESCRIPTION OF TRANSACTIONSCREDITSCHARGES
05/2105/217AK5TREVI NAILS NEW YORK NY83.20
06/0106/016Y68WESTERNUNION COM MONEY 877-989-3268 CO367.50
06/0106/01KPHONE PAY FEE14.95
06/0106/01VXJ9PAYMENT - THANK YOU1,652.19
06/1306/137Z3ZCHRISTOPHER HYLAND NEW YORK NY3,448.00
Total of your credits and charges1,652.193,913.65
DUE TO IMPROVEMENTS BEING MADE TO OUR ELECTRONIC PAYMENT SERVICE, WE WILL NOT BE ABLE TO PROCESS EPAYS FROM WED, JULY 20TH AT 4:00 P.M. UNTIL MON, JULY 25TH AT 8:00 A.M. EASTERN TIME. WE THANK YOU FOR YOUR PATIENCE AND APOLOGIZE FOR ANY INCONVENIENCE THIS MAY CAUSE. THE CHASE PAYMENT PROTECTOR PLAN CAN HELP YOU PROTECT YOUR GOOD CREDIT RATING. FOR MORE INFORMATION, PLEASE CALL OPEN A CHASE FREE CHECKING ACCOUNT WITH DIRECT DEPOSIT! FREE ONLINE CHECK IMAGING! FREE EMAIL ALERTS! FREE ACCESS TO OVER 6,500 CHASE AND BANK ONE ATM'S NATIONWIDE! FREE CHASE ONLINE BILL PAYMENT! CHASE FREE CHECKING WITH DIRECT DEPOSIT! VISIT A BRANCH OR WWW.CHASE.COM TODAY! FOUND THE HOME OF YOUR DREAMS? TALK TO CHASE HOME FINANCE FIRST. AND GET SPECIAL SAVINGS ON YOUR CLOSING COSTS. CALL A CHASE MORTGAGE CONSULTANT TODAY AT ALL LOANS ARE SUBJECT TO CREDIT AND PROPERTY APPROVAL. CERTAIN RESTRICTIONS AND LIMITATIONS APPLY. EQUAL HOUSING LENDER.
Page 1 of 2 8/15/2006 EFTA00186384 Page 2 of 31 Here's how we determined your Finance Charge*: Days in Billing Cycle: 33
DAILY PERIODIC RATEAVERAGE DAILY BALANCEPERIODIC MIN. FINANCE CHARGETRANSACTION FEE FINANCE CHARGETOTAL FINANCE CHARGENOMINAL ANNUAL PERCENTAGE RATEANNUAL PERCENTAGE RATE
Cash0.06025%$235.27$4.68$11.02$15.7021.99%51.26%
Purchases0.04381%$532.32$7.70$0.00$7.7015.99%15.99%
* Please see reverse side for balance computation method and other important information. Questions about your account? Credit Card lost or stolen? Call Chase Customer Service 24 hours a Day, 7 days a week, toll-free, at or write P.O. BOX 15650, Wilmington, DE 19886-5650. Para Servicio al Cliente en Español: Page 2 of 2 https://instantimage.bankrate.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte 8/15/2006 EFTA00186385 Page 3 of 31
PAYMENT DUE DATE 08/14/2005NEW BALANCE $576.79MINIMUM DUE $16.00
ACCOUNT NUMBER: | **JEFFREY E EPSTEIN** | | | :--- | :--- | | 457 MADISON AVENUE | | | C/O J. EPSTEIN CO 4TH FL | | | NEW YORK NY 10022-6843 | | # Facsimile Copy CHASE Chase Gold MasterCard ACCOUNT NUMBER:
NEW BALANCE $576.79PAYMENT DUE DATE 08/14/2005TOTAL CREDIT LINE $18,600TOTAL AVAILABLE CREDIT $18,023STATEMENT CLOSING DATE 07/20/2005
Here is your Account Summary:
TOTAL
Previous Balance$3,653.85
(-) Payments, Credits3,653.85
(+) Purchases, Cash, Debits560.98
(+) FINANCE CHARGES15.81
(=) New Balance576.79
Minimum Payment Due$16.00
Here are your Charges and Credits at a glance:
TRAN. DATEPOST DATEREF. NO.DESCRIPTION OF TRANSACTIONSCREDITSCHARGES
07/1207/1214KJPAYMENT THANK YOU3,853.85
07/1307/13X044WESTERNUNION COM MONEY 877-989-3268 CO222.00
07/1507/15Z0AGSP TRADING EDISON NJ338.98
THE CHASE PAYMENT PROTECTOR PLAN CAN HELP YOU PROTECT YOUR GOOD CREDIT RATING. FOR MORE INFORMATION, PLEASE CALL Here's how we determined your Finance Charge*: Days in Billing Cycle: 29
DAILY PERIODIC RATEAVERAGE DAILY BALANCEPERIODIC/MIN. FINANCE CHARGETRANSACTION FEE FINANCE CHARGETOTAL FINANCE CHARGENOMINAL ANNUAL PERCENTAGE RATEANNUAL PERCENTAGE RATE
Cash0.06094%$328.64$5.81$10.00$15.8122.24%57.72%
Purchases0.04450%$0.00$0.00$0.00$0.0016.24%0.00%
* Please see reverse side for balance computation method and other important information. Questions about your account? Credit Card lost or stolen? Call Chase Customer Service 24 hours a Day, 7 days a week, toll-free, at or write P.O. BOX 15650, Wilmington, DE 19886-5650. Para Servicio al Cliente en Español: Page 1 of 1 //G: location //Point de SqueeName=CCStmt & small & TotalItte 8/15/2006 EFTA00186386 Page 4 of 31 526327100972135600003500001775045047391 #83398 BEX Z 20108 D JEFFREY E EPSTEIN 457 MADISON AVENUE CVO J EPSTEIN CO 41TH FL NEW YORK NY 10022-6843 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19888-5153
MASTERCARD ACCOUNT SUMMARY Account Number:ACCOUNT INQUIRIES
Previous Balance$576.79Total Credit Line$18,600P.O. Box 15298
Payment, Credits-$576.79Available Credit$18,824Wilmington, DE 19850-5298
Purchases, Cash, Debits+$1,732.00Cash Access Line$18,600PAYMENT ADDRESS
Finance Charges+$43.04Available for Cash$18,824P.O. Box 15153
New Balance$1,778.04Wilmington, DE 19856-5153
TRANSACTIONS
Trans DateReference NumberMerchant Name or Transaction DescriptionAmount
CreditDebit
07/2655541865209004027479978WESTERNUMON COM MONEY 877-863-3358 CO$882.00
07/2955541865209004027479978CASH ADVANCE FINANCE CHARGE26.45
06/0712182190409254168142745PAYMENT - THANK YOU576,79
06/1755432735229207699500018ULTRASMITH SYSTEMS INC NEW YORK NY850.00
FINANCE CHARGES
CategoryDaily Periodic Rate 30 days in cycleCorresponding APRAverage Daily BalanceFinance Charge Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV .04518%16.49%$0.00$0.00$0.00$0.00
Cash advancesV .06162%22.49%$896.50$16.58$26.46$43.04
Total finance charges$43.04
Effective Annual Percentage Rate (APR): 56.92% Please see reverse side for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. ## IMPORTANT NEWS See this summer’s blockbuster movie Lits and get 50% rebates. Upgrade your card to the Chase Prestige Card and get cash back rewards on movie tickets, any movie, any theatre when you pay with your Chase Prestige Credit Card. Call now to learn more about upgrading. Important privacy notice. By special arrangement, you can protect the personal data stored in your home computer with corporate-grade online security software worth $130. Plus, you’ll receive a $1,500.00 PC replacement guarantee. Log on for details. www.CardmemberAdvantage.com/FREEinitial. As a valued Cardmember, you are eligible to receive high-quality merchandise not available to the general public from top brands such as Lenox, Tonka, Disney and more! Just go to www.valuacenter.com and enter in here it asks for your certificate number. Act now, quantities are limited! This Statement is a Facsimile - Not an original X 0000001 F1533335 D 10 000 N Z 19 06/0K19 Page 1 of 1 06890 MA MA 62089 20110000100006328901 https://instructure.bookke.net/Star/action/Print.do?pageName=CCStmt&null&nTotalUte 8/15/2006 EFTA00186387 Page 5 of 31 ## Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ___ City: State: ___ Zip: ___ Home Phone: ___ Work Phone: E-mail Addiosa: ## Information About Your Account | Headings | Content | | :--- | :--- | | 1. Update to EBian Center. Please report your local or online information immediately by calling the Customer Service number based on the level of your complaint. Notices are always available. | | | 2. Contact us at [email] for any questions. | | | 3. If you have any questions, please contact us at [email]. | | # Contacting All Payments For payments by regular U.S. mail, send at least your minimum payment due to our post office designated for payment on this statement. Your payment may be made by check or money order, payable in U.S. dollars, and drawn as an payable through a U.S. financial institution or the U.S. embassy or a foreign financial institution. Do not send cash. While your account number on your check or money order, Payments must be accepted by the payment account in the services provided with our address via telephone through the U.S. Postal Service. Payments can be no paper, paper, paper, or correspondence included with your payment. If your payment is in accordance with our payment instructions, it may be made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account if that day if your payment is not sent by regular U.S. mail and follow payment instructions if your payment is not sent by regular U.S. mail to our post office box designated for payments, ending of your payment may be delayed for up to 5 days. Payments made by check or money order, payable in U.S. dollars, and drawn as an payable through a U.S. financial institution or the U.S. embassy or a foreign financial institution. Do not fabricate content that does not exist in the image. # Account Information Reported to Credit Bureau We may report information about your account to credit bureau. Late payments, missed payments or other defaults on your account may be reflected in your credit report, if you think we have reported businesses you may wish to use the Cardholder Services Add-on based on your billing statement. Checks Calculated Electronically We reserve the right to electronically call your eligible payment checks, if all presentation and any restraint from the bank account on your check is deemed necessary. The bank will not be able to update the amount of the check electronically, or if needed by a draft drawn along the bank account. Checks will be collected electronically by sending the check amount along with this check, routing, and amount numbers to your bank. Your bank account will be defined as the check number. The digital check will be displayed and image will be maintained in our records. ### Conditional Payment Any payment check or other form of payment that you send us no longer than the full balance due that is incurred “paid off” or be returned as a settlement, or your otherwise unpaid balance in full satisfaction of a deposit amount, must be sent to Card Services, P.O. Box 10289, Worthington, DE 18175-0500. We reserve all our rights regarding these payments (i.e., if we are determined to have no valid object to any such delivery), and may refuse to accept any such payment by returning it to you, and nothing to do with it. All other payments that you make should be sent to the appropriate payment address. Annual Financial Notice: If your account has an annual fee, it will be charged each time you monthly installment, whether or not you own your account, and you agree to pay it annually if not owed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we mail your settlement balance on the annual fee delivered and at the same time, you pay your outstanding balance in full. Your payment of the annual fee depends on your account. If your account is paid by you as well, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Charges You will calculate periodic finance charges, using the applicable rates shown on this form, separately, for each account (rug, balance transfer, or cash advances). These calculations may combine different categories with the same daily periodic rate. If there is an amount to be determined that runs over a period of time, it must be determined that runs and be comproached with APR as described in your Carrierment Agreement, as amended. There is a minimum finance charge in any bill in which you pay any periodic finance charges, and a transaction finance charge for each balance transfer or cash advance. In the amounts addressed in your Carrierment Agreement, as amended. To get the daily balance for each day of the commuting cycle, we use the beginning balance for each feature, and any new transactions or other data used, unless specified otherwise. Transactions are added on the transaction date, the beginning of the billing cycle which they are posted to your account, or a label of the current choice of that transaction. add all of the data deposited by the group or a unit of your choice. Fees are added either on the date of a related transaction, the date they are paid to your account, or the first day of the billing cycle. This gives us on that day's daily balance. A credit balance is issued for each day of the billing cycle. If you pay your entire balance by the daily portfolio charge for your periodic finance charges for that day. We then add these periodic finance charges to your daily balance to get the beginning balance for the day. All (more than one) daily balance credits apply based on the average daily balance, the total amount of the daily balance, and the number of days the balance cycles to calculate the periodic finance charges change daily. If this statement makes a previous cycle average daily balance for purchases, we do the same for each day of the previous cycle to get the daily balance of purchases for the previous billing cycle. However, the daily balance for previous billing cycle purchases is updated to be the sum of the daily balance of purchases on your previous statement or we reused payment of your future balance on your previous statement in full by the date and time your payment was due. To get your daily periodic finance charge for a billing cycle when a daily periodic subaccount applies, we add all of the daily periodic finance charges for all features. To determine an applicable daily periodic rate, multiply each feature by the applicable billing cycle rate. If you must calculate the average daily balance for each feature by the applicable daily periodic rate, and then multiply each feature by the number of features, you should also calculate the periodic finance charge for the billing cycle, except for minor variations due to matching. To get your total periodic finance charge for a billing cycle when a monthly periodic subaccount applies, multiply the average daily balance for each feature by the applicable monthly periodic rate), apply the same formula as above to each feature, and then multiply each feature by the number of features for the billing cycle, except for minor variations due to matching. Grass Patch (all 10 board 25) We accrue your daily charges on a transaction fee, or finance charge when the data it is added to your daily balance and payment in full is received. We will charge you for purchases during a billing cycle if we receive both payment of your New Balance on your current statement by the date and your payment in due and also payment of your New Balance on your previous statement by the date and your payment in due. There will be no finance charge for balances transferred, such as check transfers, overpayment advances. Grass Priced for Qualifying Promotional Balance You will not have periodic fee charges on a qualifying promotional balance if you pay full balance in full by the specified date. A qualified promotional balance, pay your full balance within your total qualifying promotional balance by the date and pay your payment in day. However, if your amount shows a minimum payment issue, we must advise at all times that payment is by your own account, even if your own balance includes qualifying promotional balances. In Case Errors or Questions About This Bill: If you think your bill is wrong, or if you need more information about a transaction on a account with Cardium Services on a separate account, please contact us at cardiumservices@cardiumservices.com or call 1-800-254-3967. If you have questions that exceed 60 days after you sent the first bill on which the error or problem appeared, you can contact us, but during those and preserve your rights. ## SKILLS RIGHTS SUMMARY In your letter, give us the following information. - The deflator amount of the expected error * - Discuss the error and explain. If you can, why your belief from it an error. If you need more information, describe the both you are about. You do not need to pay any amount in question while we are investigating, but if you are obligated to pay the parts of your bill that are not in question, we will investigate your payment on your behalf. If you have authorized us to pay your credit card automatically from your bank or checking account, you can still pay on any amount you think is wrong to adjust the payment, your bill or call (using the Cardholder Service address or telephone number) at 1-800-253-4767 or at all three business days before the annual account statement is issued to enter: Special Bills for Credit Card Payment or if you have a problem with the amount of goods or services that you purchased with a credit card (providing payment is made with a credit), and you have tried its good bills to contact the provider with the merchant, you may not have to give the payment amount shown on the goods or services. You have to provide only the amount shown on the goods or services. There are 180 values of your mailing address. There is nothing that does not apply to even or more payments, or if you have the permission at the prompt for the payment or services. MA571005 https://instantimage bankone net/Star/action/Print do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186388 Page 6 of 31 526327100972135600006300004162590000003 | 30164 BEX Z 36025 D | | :--- | **JEFFREY E EPSTEIN** 457 MADISON AVENUE **CIO J EPSTEIN CO 4TH FL** **NEW YORK NY 10022-6843** **GARDMEMBER SERVICE** **PO BOX 15183** **WILMINGTON DE 19885-5153**
CHASEStatement Date:08/20/05 - 09/19/05CUSTOMER SERVICE
Payment Due Date:10/14/05In U.S.
Minimum Payment Due:$83.00Español
TDD
Outside U.S.
MASTERCARD ACCOUNT SUMMARY Account Number;
MINTERCARD ACCOUNT SUMMARY Account Number:ACCOUNT INQUIRIES
Previous Balance$1,775.04Total Credit Line$18,600
Payment, Credits-$1,775.04Available Credit$14,437
Purchases, Cash, Debits+$4,155.64Cash Access Line$18,600
Finance Charges+$6.95Available for Cash$14,437
New Balance$4,162.59
TRANSACTIONS
Trans DateReference NumberMerchant Name or Transaction DescriptionAmount CreditDebit
09/011244246447905252321284PAYMENT - THANK YOU$1,775.04
09/0105444005245228573429218BLACKMAN PLUMBING SPLY TEL7189397200 NY745.00
09/0655547505250254760010597LESTERS OF NY NEW YORK NY1,020.64
09/0955434252529304747300031SAUNA SALES VAN NUYS CA2,890.00
FINANCE CHARGES
CategoryDaily Periodic Rate 31 days in cycleCorresponding APRAverage Daily BalanceFinance Charge Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV .04518%16.49%$0.00$0.00$0.00$0.00
Cash advancesV .06162%22.49%$363.52$6.95$0.00$6.95
Total finance charges$6.95
## Effective Annual Percentage Rate {APR}: 22.49% Please see reverse side for balance computation method, grace period, and other important information. The Corresponding APR in the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. ## IMPORTANT NEWS Due to system changes, any checks we previously issued to you without an expiration or void date on them will not be honored after 12/9/105. Please destroy them before this date. Claim your Cardmember Thank You before November 10, 2005! For Being a valued Cardmember, we’ve arranged for you to receive up to $100.00 worth of your favorite magazines. Call by 1/10/06 to guarantee your selections. You must call by the date shown for deltas and choices. As a valued Cardmember, you are eligible to receive high-quality merchandise from top brand like Cross, Lenco, and John Doeil. Just go to www.wakecenter.com and enter where it asks for your certificate number. These problems are not available to the general public, so act now! Surf Safer with EarthLink HS or Dial Ca This Statement is a Facsimile - Not an original X 0000001 F1533335 D 7 000 N Z 19 06/09/19 Page 1 of 1 06086 MA,MA,36164 2621000007000381640 https://instantimage bankone.net/Star/action/Print do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186389 Page 7 of 31 ## Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: Ctr: State: ___ Zip: Hemo Phone: ___ Work Phone: E-mail Address: ___ ## Information About Your Amount | Requirement | Description | | :--- | :--- | | Leaf or Blank Card | Please request your leaf or blank card immediately by emailing the Customer Service Desk. | | Card Size | The card size is 5" x 7". | | Address Format | Address should be written in a standard address format with the following details: | | Address | Address should be written in a standard address format with the following details: | | Address | Address should be written in a standard address format with the following details: | ### Controlling All Payments For payments by regular U.S. mail, and at local your minimum payment due to our postal office, be designated for payments shown on this statement. Your payments by mail must comply with the instructions in this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or placed through a U.S. financial institution or the U.S. branch of a foreign financial institution. Do not cash checks. If your account is assigned on your or your account's payment, Payments must be accompanied by a receipt indicating the investment cannot remain must be in one payment or coupon, and there can be no stamps, paper,胶片, or correspondence included with your payment. If your payment is in accordance with our payment instruction, and is made in local our postal office has designated for payments on this statement, and will send the payment to your account at any time. If your payment is not in accordance with our payment instruction, and will be sent to your account at any time, our postal office has designated for payments on this statement, and will not do either payment or payment designation if your payment is not sent by regular U.S. mail to our postal office designed for payments. Crediting of your payment may be delayed up to 5 days. Payments made with cash will be accepted and are delivered within 5 days of payment. Account information Repeated to Credit Bureau: We now report information about your account to credit bureau. Late payments, refunded payments or other details on your account may be relied upon as your credit impact. If you think we have received Business Information, you may wish to use a Cardholder Service address on your billing information. Checks collected electronically will receive the right to electronically call your eligible payment checks, at first presentation and any requirement. From the bank account on the check, you can request a copy of the check electronically or if needed by a draft drawn against the bank account. Checks will be collected electronically by sending the check amount along with the check, mailing and numbering it by your bank. Your bank account may be debited as well as credited. The original check will be designed and imprinted will be maintained in one record. **Conditional Payment:** Any payment check or other form of payment that you need us to send less than the full bill due because that is required “paid in full” or contains a similar situation, or you desire someone tender in full submission of a disputed amount, must be sent to **Card Services, P.O. Box 9048, New York, NY 10026**. We will receive all our digits correctly and will process your payment accordingly. If you have any questions regarding payment to any other address, we may accept the check and you will give us any remaining balance. We may return to accept any touch payment by returning it to you. No calling or delivering it. All other payments that you make should be sent to the appropriate payment address. **Annual Reward Notice:** If your account has an annual fee, it will be charged each year or in monthly installments, whether or not you pay your account, and you agree to pay if you failed. The account list is non-transferable unless you notify us that you wish to close your account in 30 days of the date we mail your statement on the account you are charged and all the time we pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to close your account and to limit your right to receive future payments. We change the account list until you pay your outstanding balance in full and terminate your account relationship. # Expansion of Finance Charges Calculating his calculation periodic periodic charges using the applicable rate periods shown on this statement, separately for each taxation lag, balance transformations checks and each audit check ("Cash flow analysis"), purchases, balance transfers, cash advances,平衡转移和 overstatement adjustments. These
Associates may hold confidential charges against the same entity, the same person, or the same organization, and the bodies and organs in charge to determine that rate and its corresponding APIs are deferred in your Conference Agreement, as amended.
There is a minimum finance charge in any billing pitch in which you use any associate finance charges, and a transaction finance charge for each balance transfer, advance, or check transactions. In the amounts stated in your Conference Agreement, as amended.
To track the daily balance for each day of the current billing cycle, we take the beginning balance for each month, add any new transactions or other details (including refunds, cash advances, etc.) to the balance, and then calculate the ending balance. These calculations are added at the end of the transaction date, the beginning of the billing cycle in which it is issued to a customer account, or a later date if no initial balance has been set that other transactions occur. added as of the date disposed by the program or in balance of our choice). Fees are added on the data of a related transaction, the date they are payable to your account, or the last day of the billing cycle. This gives us on the daily daily balance. A credit balance is treated as a charge for the last day of the billing cycle. We will use the daily daily balance to get your periodic finance charges for that day. We then add these finance charges to your daily daily balance to get the beginning balance for the next day. If all these are daily periodic credit could apply based on the average daily balance, we will use the daily periodic credit that applies to the average daily balance at the end of each billing cycle. If all these are monthly periodic credit based on the average monthly cycle average, we will use a previous cycle average daily balance for purchases, we do the same thing for each day of the previous cycle to get the daily balance of purchases for the previous billing cycle. On the daily balance for previous billing cycle purchases is considered to be an auto payment for purchases purchased on your previous statement or we calculated payment of your New Balance on your previous statement in full by the date and your year payment was due. To get your total periodic finance charge for a billing cycle when a daily periodic rate applies, we add all of the daily periodic finance charges for all features. To determine an applicable daily periodic rate, you must multiply the daily periodic rate by the applicable billing cycle(s). If you modify the average daily balance for each feature by the applicable daily periodic rate, and then multiply each value of these rates by the number of days in the applicable billing cycle(s), and then add all of the days together to calculate the monthly periodic rate, you must round to the nearest whole number. To get your total periodic finance charge for a billing cycle when a monthly periodic rate applies, you must multiply the average monthly balance for each feature by the applicable monthly periodic rate for the billing cycle, and ensure that minor values due to rounding Grass Point (all 20 days) We learn periodic balance changes on a transaction, or finance charge from the data it is attached to your daily balance payment in full. It will be charged at the rate of $1 per dollar paid. Your payments listed during a billing cycle we receive both payment of your New Balance on your previous statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment is due. There is a grace period for balance transfers, cash advance check transactions, or overdraft charges. Grade Passed for Best Qualifying Balance: You will not incur periodic finance charges on a qualifying promotional balance if you pay that balance in full by the specified date. If you pay your balance in full by the specified date, a qualified promotional balance, pay your full New Balance invoice total qualifying promotional balance by the date and time your payment is due. However, if your statement shows that a minimum payment is due, we must review at least that minimum payment by the specified date or your statement, even if your only obligation is qualifying your promotional balance. ## BILLING RIGHTS SUMMARY In Case of Illness or Questionable Allergy: Then you think your bill is wrong, or you need more information about a transaction on your bill, with certain Customer Services on a new website you do not trust than 50 days after the bill on which the error or problem appeared. You can call helpline, but doing so will limit your rights. In your letter, give on the following information: - The differ amount of the suggested error *Describe the error and explain. If you can, why you believe there is an error. If you need more information, describe the error you are about to see.* You do not have to pay any amount in question whatsoever as it is investigated. You will be obligated to pay the parts of your bill that are not in question. While we investigate your questions, we will not charge you for any additional information or questions. If you have authorized us to pay your credit card automatically from your phone or checking account, you can stop paying the amount on your账单 in writing. To stop the payment, your phone or call during the Customer Service address or telephone number provided on our website or at least during business days before the automatic authorization is instituted its occur. Special Rules for Credit Card Fees: If you have a problem with the quality of goods or services that you purchased with a credit card (including purchases made with a debit), and you have tried its good bits to contact the problems with the merchant, you may not be able to resolve them. The purchase price was more than 200 and the merchant was made in your home address or within 100 miles of your mailing address. These limitations do not apply to new or existing merchant, or if you advertise the merchant for property or services. MA07105& https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/200 8/15/2006 EFTA00186390 Page 8 of 31
Statement for account number:
New BalancePayment Due DatePast Due AmountMinimum Payment
$379.2001/13/06$0.00$10.00
Amount Enclosed$Make your check payable to Chase Card Services.
New address or e-mail? Print on back.
526327100972135600001000000379205116565 | **40404 BEX Z 39038 D** | | :--- | JEFFREY E EPSTEIN CIO J. EPSTEIN CD 4TH FL NEW YORK NY 10022-6843 | CARDMEMBER SERVICE | |-----------------------| | PO BOX 18153 | | WILMINGTON DE 19888-5153 |
CHASEStatement Date:15/20/05 - 12/18/05CUSTOMER SERVICE
Payment Due Date:01/13/06In U.S.
Minimum Payment Due:$10.00Español
TDD
Outside U.S.
MASTERCARD ACCOUNT SUMMARY Account Number:ACCOUNT INQUIRIES
Previous Balance$0.00Total Credit Line$18,600P.O. Box 16290
Purchases, Cash, Debit+$379.20Available Credit$18,220Wilmington, DE 19850-5295
New Balance$379.20Cash Access Line$18,600PAYMENT ADDRESS
Available for Cash$18,220P.O. Box 15153
Trans DateReference NumberMerchant Name or Transaction DescriptionAmount
CreditDebit
12/1355541865345004026270263FL DRIVER LI/OVEH SVCS 850-487-4303 FL$379.20
FINANCE CHARGES
CategoryDaily Periodic Rate 30 days in cycleCorresponding APRAverage Daily BalanceFinance Charge Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV .04724%17.24%$0.00$0.00$0.00$0.00
Cash advancesV .06368%23.24%$0.00$0.00$0.00$0.00
Percentage Rate (APR)0.00%
Please see reverse side for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance changes - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage.
## IMPORTANT NEWS To help you reduce your balance more quickly, your minimum payment is increased with this statement. This ensures that your principal balance is reduced by at least 1% each month. If you pay more than the Minimum Payment, this change may not affect you. Please see the enclosure for details. Send sensational season's greetings with unforgettable gifts from 1-800-FLOWERIS.COM[RJ]. Get 15% off your purchase of fresh flowers, gourmet gift baskets, gorgeous wreaths, contempopea and more when you use promotion code BANK43. *For details please visit WWW.1600FLOWERIS.COM/DISCLAIMER.* Pay today, log on to www.chase.com/creditcards it’s fast, secure, and free! Take $10 off Florida's finest citrus at Aha Family Farms! Big savings on 20 lbs navel oranges, grapefruit or mixed. First time buyers only-$24.95 plus S&H, limit 2, ends 01/15. Visit www.enjoycitrus.com or call 606-237-8000. sept. 06x. https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186391 Page 9 of 31 ## Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: City: ___ State: ___ შესრული Home Phone: ___ Work Phone: ___ E-mail Address: ## Information About Your Account Gear or Bank Card Center, Please report your lost or stolen item and immediately by calling the Customer Service number below to fill out your payment. Additionally, you are always available for assistance with any issues you may encounter during the payment process. **Coaching of Payments:** For payments by regular U.S. mail, send at least your minimum payment due to our good offer displayed on payment shown on this document. Your payments by mail must comply with the instructions on this document, and must be checked by a credit or money order, please in U.S. Dollars, and on an envelope through a U.S. Federal驻馆 or the U.S.海关 of a foreign financial institution. Do not send cash, checks, or money orders # Account Information Reported to Credit Bureau Your credit bureau may request information about your account to credit banks. Lite payments, refunded payments or other details on your account may be reflected in your credit report. If your bank has requested information about your account you will need to add to the Cardholder Service and ask for an online statement. Checks Collateral Electronicsly. We reason the right to electrorally extend your account security checks, all first permission and any requirement, from the bank account on your device to the account of the check electrically or if needed by a draft claim against the bank account. Checks will be collateral electronically by sending the check along with this check, mailing and numbering your bank. Your bank account may be debited for the security checks, and the required check will be displayed and an image will be mounted on our screen. ### Conditional Payments Any payment check or other form of payment that you send us on loan than the full balance due shall be marked “paid with” or “contains a solitary solution, or that your attorney受理 in full authentication of a disputed amount, must be sent to Card Services, P.O. Box 1003, Wellington, OT 1859-8000. We愿 all answer our rights regarding these payments (e.g., if we are determined there is no valid dispute or if any bank check is received, we will not accept any payment by returning it to you, and nothing to destroying it. All other payments that you make should be sent in the appropriate payment address.) **Annual Reward Notice:** If your account has an annual fee, it will be charged each year or monthly, regardless, whether or not you pay your account, and you agree to pay it if you have failed. The annual fee for an online balance address you notify us that you wish to charge your account with 300 days of the date we email onwards on which the account is charged and at all the time, you pay your outstanding balance in full. Your payment of the annual fee will be charged on your account. If your account is charged by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. # Equivalent of Finance Charges with periodic finance charges, using the applicable periodic rate on an account, separately for each feature (jq). - **Calculation**: Use the appropriate formula to calculate the periodic finance charge based on the specified feature rate. - **Example**: If a $10,000 account has a 5% periodic rate, the periodic finance charge would be: $$\text{Periodic Finance Charge} = \frac{\$10,000}{365} \times 0.05 = \$14.28$$ This calculation may combine different features with the same daily fee. If there is a fee to be applied to the account, it must be included in the corresponding APR and are assigned to your Cardholder's Account, as amended. - **Example**: If a $10,000 account has a 5% periodic rate, the periodic finance charge would be: $$\text{Periodic Finance Charge} = \frac{\$10,000}{365} \times 0.05 = \$14.28$$ This calculation may combine different features with the same daily fee. If there is a fee to be applied to the account, it must be included in the corresponding APR and are assigned to your Cardholder's Account, as amended. To begin the daily balances for each day of the billing cycle, we note the beginning balance for each each day, and any new transactions or other details (paid from credit card transactions) are added to the transaction date, the beginning balance of the billable cycle which they are posted to your account, or a later date of our office (where such transactions occur). will be used as of the daily deposit by the payer or a daily balance of one choice. Fees are added on other entries of the data as indicated by the data they are placed in your account, or the half day of the billing cycle. This gives an full daily daily balance. A credit balance is issued on the first payment of the daily deposit. The credit balance for the daily deposit may be paid out if no charge was made for the day. When this and the periodic annual change to your daily balance get to the beginning balance for the next day, more than one daily periodic balance could apply on the average daily balance, so we will use the periodic annual application for the average daily balance amount at the end of each period. If a periodic annual balance applies to a previous periodic average daily balance for purchases, we do the same for each day of the previous cycle to get the daily balance of purchases for the previous billing cycle. However, the daily balance for previous billing cycle is considered to be the same for each day of the previous billing cycle if a periodic finance charge was already applied on the previous billing cycle. The periodic finance charge is based on our service provider's obligation to bill the date and time their own service was used. To get your total periodic finance charge for a billing cycle when a daily periodic rate applies, we add all of the daily periodic finance charges for all features. The document to use is **Finance Cycle Charge Calculator**. To get the applicable billing cycle rate, if you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each of these results by the number of features, you will obtain the periodic finance charges for the billing cycle, except for minor variations due to soiling. To get your total periodic finance charge for a billing cycle when a monthly periodic rate applies, multiply the average daily balance for each feature by the applicable monthly periodic rate, except for minor variations due to soiling. Grass Pond (all but 20 dogs) We accept periodic charge changes on a transaction, or Election Change from the data to the data is added to your daily balance payment in full. In all cases, we will process your purchase during a billing cycle if we receive both payment of your New Balance on your current statement by the data and then your payment in full and also payment of your New Balance on your purchase statement by the data and then your payment in full. There is no gross payment for balance transfers, cash exchange, check transactions, or overdrafts. Grand Prix for Qualifying Professional Balance. You will not have purchase Finance charges on an qualifying promotional balance if you pay your balance by the specified amount on a qualifying promotional balance, pay your full New Balance return your total qualifying promotional balance by the daily and yearly payment in cash. However, if your balance shows a minimum balance to do not meet the required annual balance at least that condition is paid by your balance on your payment, even if your only balance contains qualifying promotional balances. BRELING RIGHTS BUMPWART In Case of Grace or Questions About Your Bill: You will pay your bill on time, or you may need more information about a transaction on your bill, by calling Customer Service on a separate phone line no later than 60 days after we send you the first bill which is the error or problem appraised. You can call helpline, but they do not will not preserve your rights. In your letter, give us the following information: * Your name and password number - The dollar amount of the suspected error # Describe the error and explain. If you can, why do you believe them to be an error? If you need more information, describe the error in an exam book. You do not need to pay any amount in question which are we investigating, but you may be obligated to pay the parts of your bill that are not in question. While we investigate your billing information, we will not charge you for any additional questions. If you have authorized us to pay your credit card bill automatically from your bank checking account, you can stop paying the payment on any account you’re writing. In case the payment, your letter or still having the Cardholder Service address or telephone number, is not at least on our local business days before the automatic payment is scheduled to occur. **Special Rates for Credit Card Purchase:** If you have a problem with the quality of goods or services that you purchased with a credit card (purchasing goods with a credit), and you have been given good fault to correct the problem with the merchandise, you may need to have your purchase price lowered by more than 50% and the merchandise made in your home state or within 100 miles of your mailing address. These information will not apply if you own or operate the merchandise, or if you were asked the advertisement for the property or services. MAD71006 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186392 Page 10 of 31 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186393 Page 11 of 31 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186394 Page 12 of 31
New BalancePayment Due DatePast Due AmountMinimum Payment
$1,752.4602/13/08$0.00$36.00
Amount Enclosed$Make your check payable to Chase Card Services.
New address or e-mail? Print on back.
526327100972135600003500001752465134681 555M7 BEX Z 24006 D JEFFREY E EPSTEIN COJ JEPSTEIN CO 4TH FL NEW YORK NY 10022-6843 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 18886-5153 | CHASE | CUSTOMER SERVICE | | :--- | :--- | | Statement Date: 12/20/05 - 01/19/06 | In U.S. | | Payment Due Date: 02/13/06 | Español | | Minimum Payment Due: $35.00 | TDD | | Outside U.S. | | MASTERCARD ACCOUNT SUMMARY Account Number:
MASTERCARD ACCOUNT SUMMARY Account Number:ACCOUNT INQUIRIES
Previous BalanceS379.20Total Credit Line$18,600Wimington, DE 19850-6298
Payment, Credite-S379.20Available Credit$18,847
Purchases, Cash, Debtia+$1,738.00Cash Access Line$18,600PAYMENT ADDRESS
Finance Charges+$14.46Available for Cash$16,847P.O. Box 16153
New Balance$1,752.46Wimington, DE 19856-6153
TRANSACTIONS
Trans DateReference NumberMerchant Name or Transaction DescriptionAmount CreditDebit
12/2155541865356004020136238WESTERNUNION COM MONEY 877-969-3268 MO$222.00
12/2355541865356004020136238CASH ADVANCE FINANCE CHARGE10.00
01/0910090090414662275211009PAYMENT - THANK YOU379.20
01/1185502796012980000536165DEER OUT LLC SOUTH PLAINFI NJ1,516.00
FINANCE CHARGES
CategoryDaily Periodic Rate 31 days in cycleCorresponding APRAverage Daily BalanceFinance Charge Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV .04724%17.24%$0.00$0.00$0.00$0.00
Cash advancesV .06368%23.24%$225.94$4.46$10.00$14.46
Total finance charges
$14.46
## Effective Annual Percentage Rate (APR): 75.08% Please see reverse side for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance changes - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. ## IMPORTANT NEWS Good News! We've extended your special offer until March 31, 2006, so that you'll have more time during the holidays to earn up to a $516 statement credit when you make blink purchases at any of the hundreds of blink retailer locations Go to www.chaseblink.com to find a blink retailer near you! As a valued cardmember, you are eligible to receive high-quality merchandise not available to the general public from top brands such as Lenox, Tonka, Disney and more! Juel go to www.valuecenter.com and enter in where it asks for your certificate number. Act Now, purchases are limited. Pay your taxes the fast and easy way. Just use your card to pay for federal and state personal income taxes from 3/1/06 through 4/30/06. Visit www.officialtaxes.com/chase or call 800-725-9222 for details. This Statement is a Facsimile - Not an original | 000 | H | Z | 19 | 06/01/19 | Page 1 of 3 | 00690 | MAMA 68887 | 01910000100005588701 | https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186395 Page 13 of 31 ## Address Change Request Please provide information below only if the address information on front is incorrect. Sheet Address: ___ State: ___ Zip Home Phone: Work Phone: ___ E-mail Address: ## Information About Your Account Leah B. Blinder Clerk Please email your book or address book immediately to the calling Customer Service number: 1-800-745-2360 We can assist you but cannot guarantee that your order will be delivered within one week. For further information, visit www.blinders.com or contact your account number. ### Crediting of Payments For payments by regular U.S. mail, send all local your minimum payment due to our creditors and be disposed of payments shown on this statement. Your payment by mail must comply with the instructions above, and must be made by check or money order. Payable in U.S. dollars, and drawn on or payable through U.S. Mail. Insured institution of the U.S. branch of a foreign bank is responsible for the payment. The account number is automatically assigned by the payment issuer in the smallest amount with our address while through the envelope whether the envelope cannot contain more than one payment, and there can be no skips, paper pages, tape or intermediaries included with your payment. If your payment in accordance with our payment instructions and is made in advance on any day except December 28 at 1:00 p.m. your account will not be affected. If your payment in accordance with our payment instructions, but is made available on 1:00 p.m. from your post office affixed for payment on this statement, our payment is if your account of the most day. If you do not follow our payment instructions or if your payment is not in any other U.S. mail to our post office affixed for payment, sending of your payment is delayed for up to 5 days. Payments made directly through our automated transaction are delivered for up to 5 days. Payments made electronically through our automated transaction are delivered for up to 5 days. Our payment, or our wish will be subject to any processing time determined for these payments. Checks Collected Checkstability: We ensure the right electrical connection on your right payment check, all first payment and any reimbursement. From the bank account on which the check was drawn, our record of your payment check is your authorization for its collection at the amount of the check electrically, or if required by a draft driven against the bank account. Checks will be collected electrically by sending them as early as the same day we receive your payment. The original check will be destroyed and an image will be manifested in our records. ### Amount Information Required for the Credit Bureau We may require information about your account to credit you with a loan. Liquidity payments, payment of interest or other fees on your account may be required by your credit report. If you have received financial information to a credit bureau, you may write to us at all the Cardmember Banker address listed on your贷品 information. ### Conditional Payments Any payment check is either here of payment that you pay on less than the fee that you due that masked $ paid in cash or include a smaller settlement, or that you obtain a hold on a subdivision of a deposit account, must be held by Card Services, P.O. Box 19048, Washington, ID 19830. If someone else pays you more money than you owe, we may allow them to access your other addresses, we may accept your bill and will give you additional benefits. We may also accept any much payment by returning it if you do not calling us at describing it. All other payments that you may make should be sent to the appropriate payment address. ### Annual Remuneration Bills: If your account has an annual fee, it will be billed each year or in monthly, whether or not you pay your account, and you agree to pay it wheniled. The annual fee is charged on your account, and the monthly fee is charged on your account as well. You pay your outstanding balance in full. Your payment of the annual fee does not affect our rights to chase your account and will be paid by us. You make transactions on your account. If your account is closed by you or us, we will close it immediately. If your account is open, we will charge you for the transaction using the applicable periodic rate shown on this statement, separately for each month (e.g., balance between checks and bills and each check between a checkbook receipt, purchase, each cash withdrawal, prepaid bill, etc.) In get the daily balance for each day of the current billing cycle, we take the beginning balance for each day and any transaction or other debt (including fees), unpaid finance charges and other charges) posted by any transaction or other debt, and add other payments. Transactions are added to the beginning balance for each day of the current billing cycle. Any payment made on a new account or on a new charge is In get your daily specific finance change for a baggage when a daily饼面 rule applies, we add to all the daily饼面 rule charges for all changes. In determine an average daily饼面 rule, we add your daily饼面 rule and divide by the number of the days in the applicable daily饼面 rule. If you modify the average daily饼面 rule for each feature by the applicable daily饼面 rule, and then multiply each of them by results by the number of days in the financial cycle (billing cycle), and then add all of the months together, the total will also equal the periodic Finance charges for the billing cycle, except for minor variances due to moving. To get your total periodic Finance charge for a billing cycle when it is monthly periodic monthly, multiply the average monthly charge for each month by the applicable monthly rate and add the periodic balance. The total will equal the periodic Finance charges for the billing cycle, except for minor variances due to moving. ## Green Parked [pdf] [book].29 Oct 14 We require periodic financial charges on transaction, tax, or finance charge from the data it is added to your account. These charges are charged at the time of each transaction and are not charged during a billing cycle if we must install payment on your balance on your current statement by the date and thus your payment and also apply your full Balance Balance. We will charge these charges at the time of each transaction in the greatest possible frequency, with shortest turnover or minimum admittance. In addition, if there is a “billing and Payment Financial” section on this document, you will not need finance charges on any Paying Balance that appears in that section if you say that balance in the payment section is not paid. If there are any Paying Balances in the Billing and Payment Financial section, your pay for the balance makes the bill of Billing Balances by the date and your payment date. Note: If your statement states that a reimbursement payment is due, we must request that our reimbursement payment be made to your statement, even if your New Rewards only contains only of Qualifying Paying Balances. Already, for some Guangdong Promotional Financing Institutes, applicable finance charges occur during the pre-financing period but will not be added to your account. Instead, they accumulate from the first time in billing charge. This is referred to as “adferred interest.” If a defined interest Guangdong Promotional Financing Institute is not paid by you for an application Deposit (DIP), the defined finance charges will be added to your account in an amount equal to the Guangdong Agreement, the defined finance charges will be added to your account as soon as the default of Guangdong Agreement. BILLING BUGGIES SIGNATURE in case an answer to a question About Your Bill. If your bill your bill is wrong, or if you need more information about a transaction on your bill, write Computer Services on a separate Pill. Fill out the form below and send it to Computer Services at 800-251-3460. We must know your bill before we can advise you on any cost-saving bill you may be asked about the nature of the problem asked. You can call us at 800-251-3460, but doing so will In your letter, give as the following information: + The dollar amount of the suspected error - **Learn the terms and symbols.** If you can, why you believe there is an error. If you need more information, describe the item more closely to understand it. The document does not have any payment in question unless we are insuring it, you will still be required to pay the parts of your bill if not in question. Otherwise, neither will your insurance, nor can you import your an advertisement or this action to purchase the amount you question. If you have authorized us to pay your credit card automatically from your billing or shipping account, you can stop paying on any amount you receive by calling us at (312) 555-1234 or visit www.yourwebsite.com. You may also contact us directly on our website for more information about this admission or the amount you question, as well as all local three business days before the automatic admission is scheduled to occur. Special Price Rules for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased, you may be charged a special price. You must pay the problem cost on the purchase date, but you may not pay the amount due on the goods or services. You have this protection only when the purchase price exceeds $100 and the purchases occur within 30 days after the purchase date. If we can arrange for the payment, or if we cannot arrange for the payment, the applicable price will be determined. https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186396 Page 14 of 31 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186397 Page 15 of 31 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186398 Page 16 of 31
New BalancePayment Due DatePast Due AmountMinimum Payment
$1,041.9503/16/06$0.00$20.00
Amount EnclosedSMake your check payable to Chase Card Services.
New address or e-mail? Print on back.
526327100972135600002000001041950000009 | 4177 BEX Z 05894 D | | :--- | **JEFFREY E EPSTEIN** 457 MADISON AVENUE OO J. EPSTEIN CO 4TH FL NEW YORK NY 10022-6843 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153
Statement Date:01/20/06 - 03/19/06CUSTOMER SERVICE
Payment Due Date:03/18/06In U.S.
Minimum Payment Due:$20.00Español
TDD
Outside U.S. call collect
MASTERCARD ACCOUNT SUMMARY Account Number:
MASTERCARD ACCOUNT SUMMARY Account Number:ACCOUNT INQUIRIES
Previous Balance$1,752.46Total Credit Line$18,600P.O. Box 15298
Payment, Credits-$1,752.46Available Credit$17,558Wilmington, DE 19850-5298
Purchases, Cash, Debits+$1,028.02Cash Access Line$18,600PAYMENT ADDRESS
Finance Charges+$13.93Available for Cash$17,558P.O. Box 15153
New Balance$1,041.95Wilmington, DE 19888-5153
TRANSACTIONS
Trans DateReference NumberMerchant Name or Transaction DescriptionAmount CreditDebit
01/3010300300444529256303928PAYMENT - THANK YOU$1,752.48
02/0755499676038286199901067I-800-MATTRESS LONG ISLAND C NY531.04
02/085554186039004027144436WWW.POLO.COM 888-475-7674 PA167.88
02/0955541860340204018256145WESTERNUNION COM MONEY 877-989-3258 MO329.00
02/1355541860340204018256145CASH ADVANCE FINANCE CHARGE10.00
FINANCE CHARGES
CategoryDaily Periodic Rate 31 days in cycleCorresponding APRAverage Daily BalanceFinance Charge Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV .04792%17.49%$0.00$0.00$0.00$0.00
Cash advancesV .06436%23.49%$196.92$3.93$10.00$13.93
Total finance charges$13.93
## | Effective Annual Percentage Rate (APR): | 49.95% | | :--- | :--- | Please see reverse side for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. ## IMPORTANT NEWS Good News! Wirve extended your special offer until March 31, 2006, so that you’ll have more time during the holidays to earn up to a $15 statement credit when you make blink purchases at any of the hundreds of blink retailer locations Go to www.ohaseblink.com to find a blink retailer near you! This Statement is a Facsimile - Not an original 000 N 2 19 06/02/19 Page 1 of 1 65898 MAMA 47577 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186399 Page 17 of 31 ## Address Change Request # Please provide information below only if the address information on front is incorrect. Street Address: State: ___ Home Phone: Work Phone: ___ ___ ___ E-mail Address: | Identifier | Description | | :--- | :--- | | Id#104 | Milton Gaith. Please report your test or other card immediately by calling the Customer Service Number 800-253-7699. Advisors are available to you when you can reach out after your test is completed. | | Id#105 | Milton Gaith. Please report your test or other card immediately by calling the Customer Service Number 800-253-7699. Advisors are available to you when you can reach out after your test is completed. | ## Information About Your Account ### Confiling of Payments For payments by regular U.S. mail, visit local your minimum payment due to our offer贴身 designed for payments shown on this statement. Your payment by mail must comply with the instructions and this statement, and must be made by check or moneypiece, payable to U.S. Orders, and shown on or payable through U.S. Financial institutions or the U.S. branch of a foreign bank registered in the United States. If you are not a U.S. resident, the envelope should be accompanied by the payment envelope provided with our address visible through the envelope whether the envelope contains more than one payment or enclosure, and then can be shipped, placed in box, type or enclosed included with your payment. If your payment with our payment envelope and it is made available to us on any day except December 25 at 1:00 p.m. on the first business day of the month, your account will be of all kind if your payment is in accordance with our payment instructions, but made available to us after 1:00 p.m. on the first business day of the month. If you do not follow our payment instructions or if your payment is not paid in regular U.S. mail, our goodwill designates payments, including of your services, Customer Service advises, or our web site will be required to any processing time disclosed for those payments. Answers below are required by Gail Business. We may not inform you about your account or credit card login. Lay down payment, payment or other payment on your account may be refunded if your credit card report. If you have received incorrect information in a credit card, you may visit www.cardmember.service.address for your billing statement. Checks Confirmed Euthanasia: We review the right to euthanasia without your eligible payment check, at first institution and any other institution. The bank on which we are drawn must record your payment check in our authorization for us to collect the amount of the check electronically, or if I need it a dark drive with a bank account. Checks will be collected electronically by sending them as early as the same day we reach your payment. The original check will be destroyed and an image will be maintained in our records. ### Conditional Payments: Any payment check or other form of payment that you send us for less than the fee due but that is made in full or in partial or on condition, or that you tender to our fellow subscriptions of a discounted amount, must be sent to Card Services, FD Row 10048, Wilmington, DE 19830-0009. We receive all rights regarding payment checks (e.g., if a discount is applied to your account), and we do not accept any payments without such a discount being measured before they may be received by our staff. We may refuse to accept any such payment by returning it to us, not calling us or delivering it to All other payments that you may make should be sent to the appropriate payment address. ### Account Balanced Billlet If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you pay your account, and you agree to pay it when billed. The annual fee is one-fourth of the balance you earn annually on that you pay to obtain your account within 30 days of the date you pay your account on which the annual fee is charged and the bill is paid. You pay your outstanding balance on time to avoid interest charges. If you wish to make transactions on your account, if your account is charged by you or, we will charge on the annual fee you pay for your outstanding balance itself and on your account balance. ### Expiration of Finance Charges for the calculate periodic finance charge, using the applicable periodic rate on this statement, separately for each feature (i.e., balance transfer, settlement fee check advance, check transaction), purchase, balance transfer, cash advances, prepaid balances or overdraft advances. These calculations may differ depending with the daily periodic rate. If it is a Y*U to a periodic rate on this statement, Balance transfer may, and the index may increase. There is a minimum finance charge by a billing query in which you can any periodic finance charge, and a bonus finance charge for each balance transfer, cash advances, or check transactions, in the amounts stated in your Cardholder Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each holiday, and any new transactions or other debts (including欠款, unpaid charges and other expenses) on the previous day to calculate the daily transaction data. The beginning of the billing cycle in which we are asked to account for our own choice of one check transaction is added to the date deposited by the payer or a later date of our choice. Few are added earlier on the date of a related transaction, the date they are posted to your account, the date of the billing cycle, or the date of the payment. We must calculate the daily balance for the periodic period to get your periodic finance charges for each day. We then and periodic finance charges to your daily balance to get the beginning balance for the day of the most recent day of your periodic cash could simply be the average daily balance. We will use the periodic cash for that the to the highest balance shown on a periodic average daily balance for purchases, we do the running账 for the periodic process to get daily balance of purchases for the previous daily账. However, the daily balance for product sales cash purchases is calculated in the form for each day of the previous daily账 we needed payment of year New Balance on your previous statement in full by the date and time your payment was sent. In get your daily periodic finance charges for a living cycle when a daily periodic rule applies, we add all the daily periodic finance charges for all cycles. In system an average daily balance rule, we add all your daily balance and divide by the number of the days in the applicable daily balance period. If you modify the average daily balance for each day by the applicable daily balance rule, and then multiply each of these The total by the number of days in the application will be the bilingual cycle, and then add all the minor conditions together. The total will also equal the periodic finance changes for the bilingual cycle, except for minor variations due to moving. To get your total periodic finance change for a bilingual cycle when a monthly periodic rate is applied, multiply the average daily balance for each equation by the applicable monthly rate and add the periodic results. The total will always equal the periodic finance changes for the bilingual cycle, except for minor variations due to moving. Green Peak (Shelford) 28 acres In excess periods finance charges on a business loan, or interest charge on the data is added to your daily balance until payment is made on your account. However, we do not charge interest charges on new purchases during a King cycle if we increase both payment on your balance on your current statement by the date and time your payment is due and also payment of your New Balance on your previous statement by the date and time your payment was due. There is no grace period for finance charges, each advance, check invoices, or overdraft advances. In addition, if there is a “*” in a **Premium Financial Planning** section on this sheet must, you should not place a financial planner on any **Premium Balanced Fund** section in that sheet if you wish to include it in your plan. If you do include it in your plan, you should only include any **Premium Balanced Fund** in the **Premium Financial Planning** section, your full **Fair Value Balance** as the basis of the **Premium Balanced Fund** in the **daily** and your payment in your plan. However, if your plan shows that a minimum payment is due, we must process all that payment paid by your plan statement with a minimum payment in your plan, and if your Plan balances out all of Quality Premium Financial Planning balance. | Description | Explanation | | :--- | :--- | | All, for the Guangzhou Provincial Financial Recruiting Bureau, periodic finance charges occur during the provincial promotional fee not all are added to your account balance. They accumulate from 4% of the filing charge. This is referred to as an "Admitted Interest." If a defined Guangzhou Provincial Financial Recruiting Bureau not to add in your account for the exhibition Demo Hall, the deemed financial charges will be paid to your account as soon as the first day after the Expiration Date. Further, if you default on any of these agreements, the deferred financial charges will be added to your account as soon as the date of default. | BELLING RIGHTS SEMANTRY In Case of Errors or Questions About Your Bill, you will your bill for errors or you read more information about a transaction on your bill, write a Customer Service on a telephone PID: 15238 Washington, OR 910-2500 as soon as possible. We must hear from you no later than 8:30 a.m. when the error or appeal is applied. You can contact us, but doing so will not improve your credit. In your letter, give us the following information: ## The dollar amount of the suspected error *Describe the name and explain why you believe it to be an error. If you need more information, describe the item you are about to use.* You do not have to pay any amount in question when we are inquiries, but you may be required to pay the parts of your bill that are not in question. While we have your questions, we cannot report you an adjustment or take action to address the amount you question. If you have inquiries on to pay your credit card bill automatically from your taxing or缴款 account, you can also pay the amount on your account you think is in error. To stop the payment, your letter or call (the Cardholder Service Address) and all other details must be sent all at once. These business days, after the automatic payment is submitted, are Special calls for the Credit Card Purchase: If you have a problem with the quality of goods or services you purchased with a card, please contact the credit card manufacturer with a check, and provide the good faith in the answer to the problem with the manufacturer, process customer pay by the payment amount on the goods or services you purchased. If this production only happens when the purchase price wins them then the purchase was made in your home address or within 300 miles of your mailing address. These information do not apply if we even contact the manufacturer, or if we would attach the payment to the property service. https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186400 Page 18 of 31 526327100972135600000269000002695169394
MASTERCARD ACCOUNT SUMMARY Account Number:ACCOUNT INQUIRIES
Previous Balance$1,041.96Total Credit Line$18,600P.O. Box 15298
Payment, Credits-$1,041.96Available Credit$18,597Wilmington, DE 19850-5298
Finance Charges+$2.69Cash Access Line$18,600PAYMENT ADDRESS
New Balance$2.69Available for Cash$18,597P.O. Box 15153
TRANSACTIONS
Trans DateReference NumberMerchant Name or Transaction DescriptionCreditAmount Debit
03/0410630630435400228311088PAYMENT - THANK YOU$1,041.95
FINANCE CHARGES
CategoryDaily Periodic Rate 28 days In cycleCorresponding APR*Average Daily BalanceFinance Charge Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV .04792%17.49%$0.00$0.00$0.00$0.00
Cash advancesV .06435%23.49%$149.01$2.69$0.00$2.69
Total finance charges$2.69
## | Effective Annual Percentage Rate (APR): | 23.49% | | :--- | :--- | Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. ## IMPORTANT NEWS Good Newal We've extended your special offer until March 31, 2006, so that you'll have more time during the holidays to earn up to a $15 statement credit when you make blink purchases at any of the hundreds of blink solitaire locations Go to www.chaseblink.com to find a blink relator near you! Final Cardmember Rewards Notice before May 10, 2006 As a valued Cardmember, you're entitled to Rewards valued up to $170.00! You must act quickly. Quantities are limited. So log on now for details and to claim your magazine Rewards valued up to $170.00! www.321mags.com/Rewards. Get 4 complimentary weeks of today's Wall Street Journal, the world's most trusted source of vital business news and analysis. After your 4 complimentary weeks, an additional 28 weeks (30 in all) will be available at low rate of only $53.75. Pay your taxes the fast and easy way. Just use your card to pay for federal and state personal income taxes from 3/1/06 through 4/30/06. Visit www.officialmargins.com/career or details. This Statement is a Facsimile - Not an original 000 11 Z 19 08/03/19 Page 1 of 3 05684 USA USA 62724 0181000000005372401 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186401 Page 19 of 31 ## Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: State: ___ $\partial p$. Home Phone: Work Phone: E-mail Address: | Information | Description | | :--- | :--- | | Load on Mobile Carrier | Please report your last or active card immediately by calling the Customer Number given on the front of your statement. Admissions are always available to assist you. You can reach an advisor by pressing D after you enter your account number. | ### Certification of Payment: For payments by regular U.S. mail, send at least your minimum payment due to our post office for designated payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made through a foreign financial institution or the U.S. branch of a foreign financial institution. Do not send cash. Write your account number on your check or money order. Payments must be incurred by the payment account in the envelope provided with your address visible through the window. You cannot be nailed, paper clipped, tape on correspondence included with your payment. If your payment in accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payment on this statement, we will credit your payment access card. | 1. after 9:00 p.m. local time at our post office designated for the payments on this statement, we will credit it to your account as of the next day if you do not follow our payment instructions or if your payment is not by register $5.00 to our post office box compounded for payment, credited of your payment may be delayed up to 5 days. Payment made electronically through our automated transaction service. Customer Service web site will be subject to any processing delays due for those payments. | # Amount Information Reported to Credit Bureau: We may report information about your account to credit bureau. Late payments, missed payments or other details on your account may be required by your credit report. If you think we have reported incorrect amounts to you, we may wish to us at the Credit Bureau Service listed on your billing statement. Checks Collected Electronically. We reserve the right to electronically collect your eligible payment checks, at first presentation and any requirement, from the bank account on behalf of you. You may contact us by calling the amount of the check electronically or if needed by a staff driver against the bank account. Checks will be collected electronically by sending the check amount along with the check, reading and account numbers to your bank. Your bank account may be blocked by an antivirus software. The original check will be destroyed and an image will be maintained in our records. ### Goodwill Payments: Any payment check or other form of payment that you send us less than the full balance due that is issued to us "paid in full" or contain a similar notification, or your attorney tenderer in full solicitation of a disposed amount, must be sent to Card Services, FO, Dec 15, 2009, DE 18900-001, We reserve all right regarding these payments (e.g. if it is determined that we are in valid dispute or any such check is received, we will not accept such payment). We may refuse to accept any such payment by returning it to us, not counting it or destroying it at all. All other payments that you make should be sent to the appropriate payment address. | **Terminal Binder:** If your account has an annual fee, it will be paid each year or in monthly payments, whether or not you use your account, and you agree to pay if when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 20 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect your account balance. If your account does not have an annual fee, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account retention. Explanation of Finance Changes: We calculate periodic finance charges, taking the applicable periodic rates shown on this statement, warranted for each balance in g, b, c balance, interest rate, cash advances, promotional balances or investment advances. These calculations may combine different categories with the same daily payable rate. If there is a paid interest rate, its corresponding APR is identified on your Condemnation Agreement, as amended. There is a minimum payment any in billing cycle in which you own any periodic finance charges, and a transaction finance charge for each balance in your Condemnation Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each event, and any new transaction or other events (including unpaid adjustments). Transactions are added at all the transactions date, the beginning of the billing cycle in which they are posted to your account, or a later date of our choice present that check transactions are added as of the date deposited by the payer or a later date of our account. We add the ending balance for each year, or the last day of the calendar cycle. This gives us on that day the daily balance. A credit balance is based on a balance of zero. If a daily periodic rate applies to any payment, we multiply the daily balance by the daily periodic rate to get your periodic finance charges beginning balance for the next day. If more than one daily periodic rate applies beginning balance for the next day, all of them will be more than one daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charges. We do the same thing for each day of the previous cycle to get the daily balance of payments for the previous billing cycle. However, the daily balance for previous billing cycle purchases is considered to be for each day of the previous cycle if a periodic finance change was already on purchases on your previous balance for the previous cycle. On your previous balance for the previous cycle, if the date and time your payment was due, To get your total periodic finance charge for a biking cycle when a daily periodic rate applies, we add all of the daily periodic finance charges for all features. To determine an appropriate daily periodic rate, multiply each feature's daily periodic rate by the applicable billing cycles(). If you multiply the average daily balance for each feature by the applicable daily periodic rate, and then multiply each result by the number of days in the applicable billing cycles(), you will obtain the biking cycle expense for annual variances due to returning. To get your total periodic finance charge for a biking cycle when a monthly periodic rate applies, multiply the average daily balance for each feature by the applicable monthly periodic rate, and then multiply each result by the number of months in the applicable monthly periodic rate, you will obtain the monthly variances due to returning. Grance Period cal beast 20 chars: no account periodic balance changes on a transaction, fee, or finance charge from this date to an updated daily balance until payment in full is received as your account. However, you may choose to pay your account monthly or quarterly. You can select the service deposit payment of your line balance on your current statement by the office and then your payment due and afterpayment of your New Balance on your previous statement by the office.
the date and time your payment was dueThere is no grace period for balance transfers, cash advances, check transactions, or even credit advances.
In addition, if there is a “qualifying Promotional Finance” section on your statement, you will not reprint any promotional charges on any Remaining Balance that appear in this section if you pay that balance in full by the applicable Expiration Date. To would finance changes on new purchase when your New Balance Include any Remaining Balance(s) in the Qualifying Promotional Finance section, pay your full New Balance return the total of Unused Remaining Balance(s) by the date and time your payment is due. However, if your New Balance return is paid in cash, you must pay the amount expended by the date or time submitted on your statement, even if your New Balance pays out of Qualified Promotional Finance Balance. Also, for some Qualifying Promotional Financing balances, periodic finance charges occur during the operational period but are not added to your account balance. Included, they are the following: deferred interest on the qualified promotional financing balance, deferred interest on Qualifying Promotional financing balance in new full pay by the applicable Expiration Date, the deferred finance charge will be added to your account as soon as the first day after the Expiration Date. Further, if you do not under the terms of your contract, the deferred finance charge will be added to your account as the date of default. BOLLING HEIGHTS BOMBERP In Case of Eases or Disadvantages About Your Bank You Must Make Your Bank is wrong, or if you need more information about a transaction on your bank You will be Confirmation Service on a separate phone line when you later return 89 days after we send you the First Bank on which the same or problem appeared. You can telephone us, but they will not preserve your rights In your letter, give as the following information: *Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the damage the data you are about to show.* - The dollar amount of the suspected error You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as an employee or as a customer, so please send us a copy of your bill automatically from your earnings or checking account, you can tell the payment on any account you think is wrong. To stop the payment, your letter or call leaving the Credit Union Service address or telephone number will be sent at least three business days before the automatic payment is scheduled to occur. Special Rate for Credit Card Purchaser: You may have a problem with the quality of goods or services that you purchased with a credit card (purchasing goods made with a cheque) and you have been in good faith to contact the problem with the merchant, you may not have had the problem when the price paid was more than $50 and the merchant was made in your home address or within 100 miles of your mailing address. These limitations do not apply if you own or operate the merchant, or if we mailed you the advertisement for the property or service. https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186402 Page 20 of 31 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186403 Page 21 of 31 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186404 Page 22 of 31
New BalancePayment Due DatePast Due AmountMinimum Payment
$1,435.4506/14/06$0.00$28.00
Amount Enclosed$Make your check payable to Chase Card Services.
New address or e-mail? Print on back.
526327100972135600002800001435455192570 80320 SEX Z 10908 D JEFFREY E EPSTEIN 457 MADISON AVENUE OID J, EPSTEIN CO 4TH FL NEW YORK NY 10022-6843 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19866-5153
CHASEStatement Date:03/20/06 - 04/18/06CUSTOMER SERVICE
Payment Due Date:05/14/06In U.S.
Minimum Payment Due:$28.00Espafoil
TDD
Pay by phone
Outside U.S.
MASTERCARD ACCOUNT SUMMARY Account Number:
MASTERCARD ACCOUNT SUMMARY Account Number:ACCOUNT INQUIRIES
Previous Balance$2,69Total Credit Line$18,600P.O. Box 15298
Payment, Credits-$2,69Available Credit$17,184Wilmington, DE 19650-5298
Purchases, Cash, Debits+$1,435,45Cash Access Line$18,600
New Balance$1,435,45Available for Cash$17,164PAYMENT ADDRESS
P.O. Box 15163
Wilmington, DE 19686-5153
VISIT US AT:
www.chase.com/creditcards
TRANSACTIONS
Trans DateReference NumberMerchant Name or Transaction DescriptionAmount
CreditDebit
03/2325411176082082011712103INSIGHT DIRECT 800-4674448 AZ$1,235.45
03/2910680880433083260142783PAYMENT - THANK YOU2.69
03/3185185646592080003286580BLUE LINE TRANSPORTATI PORTLAND OR200.00
## FINANCE CHARGES
CategoryDaily Periodic Rate 31 days in cycleCorresponding APRAverage Daily BalanceFinance Change Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV .04861%17.74%$0.00$0.00$0.00$0.00
Cash advancesV .06506%23.74%$0.00$0.00$0.00$0.00
## | Effective Annual Percentage Rate (APR): | 0.00% | | :--- | :--- | Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. ## IMPORTANT NEWS NEW! Unlimited Internet access with PeoplePC Online for only $4,977/month for 3 months, then just $9.95/month. With Virus Protection, Pop-Up Blocker ensures Internet Call Waiting, and more call today. **Mention Offer Code:** HEYDAY. OR visit: www.peoplepc.com/go/heyday. My Wines Reserve provides an Inside look at wine from around the world. Receive $10 off every order, free shipping on much all for just $9.99 per month. Call to enroll and receive a wine sample pack. CPP N.A. offers My Wines Reserve and is not affiliated with Chase. Send mom the best of everything when you give her a gift from 1-800-FLOWERS.COM, your flair of choice! Guest gift purchase of fresh flowers, plush bears, gourmet gift baskets and more when you use promotion code CHASE65. *For details please visit WWW.1800-FLOWERS.COM/COM/CLAIMER.* https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186405 Page 23 of 31 Address Change Request Please provide information below only if the address information on front is incorrect. **Street Address:** CITY: State: ___ # Zip. --- Name Phone: ___ Work Phone: E-mail Address: Information About Your Account! Load on Bailer Card! Please report your last or sick card issued by calling the Customer Service number found on the bank of your account. Advances are always available to assist you. You can reach an Advance by pressing 0 after you enter your account number. ### Calculating Payments for: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payment by mail must comply with the instructions on this statement, and must be made through a financial institution or the U.S. branch of a foreign financial institution. Do not send cash. While your account number on your check or order payment Matures must be accompanied by the payment券 in the envelope provided with our address whilst through the envelope window, the envelope contain contents than no payment is accepted, and there may be restrictions on the amount of money you can pay. Payment is in accordance with our payment instructions and available to us on any day except December 25 by 1.00 p.m. local time at our post office box designated for payments on this statement. We will credit the payment to your account as of the first day if it is received after 1.00 p.m. local time at our post office box designated for payments on this statement. We will credit it to your account as of the first day if you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, arriving of your payment may be delayed up to 8 days from the date of payment. If you are unable to receive your payment, or our web site will be subject to any processing times discussed for those payments. Account Information Required to Credit Banking: We may require information about your account to credit bureau. Latest payments, mortgages or other details on your account may be required in your credit report. If you wish we have repeated information you may wish to see it at the Cashback Services address listed on your billing statement. Checks Collected Electronically: We reserve the right to electronically collect your eight payment checks, at all first presentation and any repayment, from the bank account on behalf of you. The checks may be collected by a bank or collated the amount of the check electronically, or if needed by a bank draft against the bank account Checks will be collected electronically by sending the check amount along with the check, routing and account numbers to your bank. Your bank account will be designated as the check number and the original check will be enclosed as an envelope to be mailed in record. ### Conditional Payments: Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contain a serial number, or that you otherwise tender in full satisfaction of a deposit amount, must be sent to Card Services, P.O. Box 10489, Washington, D.C. 20037, DEPartment of Finance, Washington, D.C. This reserve all our rights regarding these payments (e.g. if it is determined there is no valid discount or any such check on your account), and we will not charge any additional balance. We may refuse to accept any such payment by referring to you, not yet submitting it or discharging it at all other payments that you make should be sent to the appropriate payment address. Annual Rental Waiver Notice, if your account has an annual fee. It will be billed each year on an monthly schedule, whether or not you pay your account, and you agree to pay it when billed. The annual fee in non-refundable amounts you notify us at that time to check your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee does not affect our right to charge your account and to limit your rights to make changes to your account. If you wish to change the annual fee add you your outstanding balance in full and terminate your account reaffirmation. Explanation of Finance Charges: We estimate periodic finance charges, using the applicable period rules shown on this statement, separately for each feature in a list. The feature is defined by the following formula: $$\text{Feature Charge} = \frac{\text{Annual Charge}}{\text{Number of Features}} \times \left(1 - \frac{\text{Current Charge}}{(\text{Annual Charge} + \text{Current Feature Charge})}\right)$$ cash advances, promotional benefits or credit advances). These calculations may be different categories with the same daily periodic charge. If there are any other factors that affect the rate and its corresponding APR, they should be determined to determine the rate and its corresponding APR, and described in your Cardholder Agreement, as amended. There is a minimum finance charge in any billing cycle in which you new any periodic finance charges, and a transaction finance charge for each balance in your Cardholder Agreement, as amended. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each invoice, add any new transactions or other debts (including fees, unused balances, and adjustments), and transcribe these amounts to the daily balance. The beginning balance in which they are posted to your account, or a final date of our choice (except that check transactions are added as of the daily deposit by the payer or a later date of one of your accounts), or the last day of the billing cycle. This gives us on that day's daily balance. A credit balance is added as a balance of data. If a daily periodic rate applies to any payment, we multiply the daily balance by the daily periodic rate to get your periodic finance charges. We calculate the beginning balance for the next day (if more than one daily periodic rate applies) based on the average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charge each day. We calculate the ending balance for the next day (if more than one daily periodic rate applies) based on the same thing for each day of the periodic cycle to get the daily balance of purchases for the previous billing cycle. However, the daily balance for previous billing cycles is considered to be for each day of the previous billing cycle if a periodic finance change was already applied on purchases based on your previous balance adjustment. On your previous statement in behalf of the date and time your payment due. To get your total periodic finance change for a bailing cycle when a daily periodic rate applies, we add all of the daily periodic finance charges for all features. To determine an applicable daily periodic rate, you must calculate the average daily balance for each feature by applying daily periodic rates, and then multiply each of these results by the number of features. You also equal the periodic finance changes for the bailing cycle, except for minor durations due to rounding. To get your total periodic finance change for a bailing cycle when a monthly periodic rate applies, you must calculate the average monthly finance charges for each feature by adding monthly periodic rates and add the results together. The total will equal the periodic finance charges for the bailing cycle, except for minor variations due to rounding. This account periodic finance charges on a transaction, or if finance charge from the date it is applied to your balance until payment in full is received on your previous statement. If no finance charge is received on your previous statement, please contact the bank below your new financial on your current statement by the date and time your payment is due and any payment of your new financial on your previous statement by ## Grace Period (al least 25 days): The date and time your payment was due. There is no grace period for balance transfers, each交易，check transactions，或everyday advances. In addition, if there is a “Qualifying Financial Plan Balance” section on your statement, you will not incur periodic charges on any Rewarding Balance that appears in this section. If you pay that balance in full by the applicable Expiration Date, to avoid finance charges on new purchases when your New Balance Invoice is Rewarding Balance(s) in the Qualifying Financial Plan balance, pay your full New Balance makes the full amount of the remaining balance shown a minimum payment to due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance owes only at Qualifying Financial Plan balances. Also, for some Qualifying Promotional Financial balances, periodic finance charges accrued during the promotional period but are not added to your account balance instead, they are deferred by the application Qualifying Promotional Financial balance is not paid in full by the applicable Exploration Data. The deferred finance charges will be added to your account as soon as the first day after the Exploration Data. Further, if you default under the terms of your account, the deferred finance charges will be added to your account as soon as the data is filed. *you can contact us or Guarantee About Your Bill.* If you think your bill is wrong, if you need more information about a transaction on your bill, write a Cardholder Service on a separate line below your bill. You may be given later than 80 days after was sent your first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: - The dollar amount of the magnified user - recognize the error and explain, if you can, why you believe there is an error. If you need more information, describe the error you are unaware about You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the part of your bill that is not in question. While we are invigorating your savings, we will only accept payments for services that are directly related to your question. If you have authenticated or paid your credit card bill automatically from your savings or checking account, you can pay this payment on any account you wish to make. To stop the payment, your letter or call asking the Customer Service address or telephone number provided in the instructions at least before this bill begins before the automatic payment is scheduled to occur. Special Rates for Card Card Purchase: If you have a problem with the quality of goods or services that you purchased with a card credit (including purchases made with a chequey), and you have failed in good faith to correct this problem with the merchant, you may not have received your payment. In such cases, the $300 purchase made was made from the home address or within 100 miles of your mailing address. These limitations do not apply if we own or operate the merchant, or if we marked your advertisement for the property or service. https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186406 Page 24 of 31 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186407 Page 25 of 31 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186408 Page 26 of 31 526327100972135600001000000018430000004 MASTERCARD ACCOUNT SUMMARY Account Number:
MASTERCARD ACCOUNT SUMMARY Account Number:ACCOUNT INQUIRIES
Previous Balance$1,435.45Total Credit Line$18,600P.O. Box 15298
Payment, Credits-$1,435.45Available Credit$18,581Wilmington, DE 19850-5298
Purchases, Cash, Debits+$18.43Cash Access Line$18,600
New Balance$18.43Available for Cash$18,581PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19850-5153
TRANSACTIONS
Trans DateReference NumberMerchant Name or Transaction DescriptionAmount CreditDobit
04/2005133006110611131919463CSC COMPUTER COURBEVOIE FRA$18.43
04/21 EURO14.50 X 1.234482758 (EXCHG RATE) + 0.63 (EXCHG RATE ADJ)
05/0211221220417586234891363PAYMENT - THANK YOU1,435.45
CategoryDaily Periodic Rate Corresponding 30 days in cycleAPRAverage Daily BalanceFinance Charge Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV .04929%17.99%$0.00$0.00$0.00$0.00
Cash advancesV .06573%23.99%$0.00$0.00$0.00$0.00
Total finance charges
$0.00
| Effective Annual Percentage Rate (APR): | 0.06% | | :--- | :--- | Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original 000 11 Z 19 08/25/10 Page 1 of 1 09636 MA.MA.07481 135100000000000748101 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186409 Page 27 of 31 ## Address Change Request Please provide information below only if the address information on front is incorrect. Sheet Address: Citv: ___ State: ___ Zip: Home Phone: Work Phone: E-mail Address: ## Information About Your Awareness as a Saskatoon Castle. Please report your lost or stolen card immediately by calling the Customer Service member found on the floor of your stationary. Additions are always available to assist you. You can reach an Advice by pressing O after you enter your exam number. | Statement on payments, our payments are required, or we may send your payment due to our post office fee designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order,销货单, or a branch of a National Finance Company. The due cash label will write your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address空白 through the division window, the average cannot contain more than one payment or coupon, and then payment is to accordance with our payment instructions and is made available to us on any day except December 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit your account as of that day if it is received after 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day if you do not follow our payment instructions or if your payment is not issued by seguir U.S. mail to our post office box designated for payments. Payments made electronically through our automated telephone service. Customer Service advises, or our web site will be subject to any processing times displayed for these payments. Charts Checked Electrically: We reserve the right to electronically collect your eligible payment checks, at least first presentation and any replacement, from the bank account an account with which you have a direct deposit or card issued by the bank. Charts will be collected electrically, or if needed by a draft drawn against the bank account. Charts will be collected electronically by sending the check amount along with the check, and account number to your bank. Your bank account may be changed, and an account number may be maintained in our records. # Amount Information Required to Credit Businesses We may request information about your account to credit businesses. Late payments, balances or other details on your account may be reflected in your credit report. If you think we have requested transactions listed on your own fulfillment list, you may write to us at the Cashier or Service address listed on your own fulfillment list. ### Goodwill Payments Any payment check or other form of payment that you need us for less than the full balance that is made to that insured or contain a similar liability, or that you otherwise tender in full satisfaction of a displayed amount, must be sent to Card Services, P.O. Box 1059, Washington, BE 18030-5948. We reserve all right regarding these payments (e.g., if it is determined there is no valid dispute or any such check is received), but we may not accept any such payment by returning it to you, nor coating it or destroying it. All other payments that you make should be sent to the appropriate e-mail address. Annual Banking Binder: If your account has an annual fee, it will be billed each year on your monthly installment, whether or not you pay your account, and you agree to pay it when billed. The annual fee is non-refundable unless you notify on that you wish to close your account within 30 days of the date we mail your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. New payments are made on the same day as the payment on your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. ## Treatment of Finance Charges We calculate periodic finance charges, using the applicable periodic rate shown on this statement, separately for each fee (i.e., balance transfer, cash advances, preeminent balances or overdraft advances). These calculations may combine different categories with the same daily periodic rate. If there is a difference between the rates for each category, we will use the difference to determine the rate and its corresponding APR and described in your Cardholder Agreement, as awarded. There is a minimum finance charge in any billing cycle in which you own any periodic finance charges, and a transaction finance charge for each balance transfer, cash advance, check transaction, in the amounts stated in your Cardholder Agreement. To get the daily balance for each day of the current billing cycle, we take the beginning balance for each future addition, and any new transactions or other details (including fees, unpaid balances, or adjustments) to be added to the current balance. Transactions are added at the transaction date, the beginning of the billing cycle in which they are posted to your account, or a time date of not choice (that shall then transactions are added as of the date deposited by the payer on a later date of our account). At the end of the billing cycle, you can return to your account, or the last day of the billing cycle. This gives us that day's daily balance. A credit balance is based on a balance of ones. If a daily periodic rate applies to any feature, we multiply the daily balance by the daily periodic rate to get your periodic finance charges. We will use this daily periodic rate when applying the beginning balance for the next day. All more than one daily periodic rate that applies to the average daily balance, we will use the daily periodic rate that applies to the average daily balance amount at the end of the periodic cycle to calculate the daily periodic finance charges. We will use the same thing for each day of the previous cycle to get the daily balance of purchases for the previous billing cycle. However, the daily balance for previous billing cycles purchases is amended to be for each day of the previous cycle a calculation of the same amount as the previous purchase, we do To get your total periodic finance charge for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an applicable daily billing rate(s), you must calculate the average daily balance for each feature by applying daily periodic rate, and then multiply each of these results by the number of periods in the billing cycle. You can also equal the applicable periodic finance charges for the billing cycle, except for minor variations due to rounding. To get your total periodic finance charge for a billing cycle when a monthly periodic rate(s) applies, the average monthly balance for each feature by the applicable periodic rate is calculated. To determine an applicable monthly finance charge for the billing cycle, except for minor variations due to rounding. We accept periodic Business charges on a transaction, I.e., or Finance charge from the data it is added to your daily business balance until full is received on your account. However, we do not accept any finance charge for payments made through a credit card or online payment because both payment of your New Dilanced on your current statement by the date and time your payment is due and this payment of your New Dilanced on your previous statement by | Group Period | [af Issue 29 days] | | :--- | :--- |
the date and time your payment was duethere is no grace period for balance transfers, cash advances, check fraudinations, or overdraft admissions
In addition, it here is a "Guaranteed Promotional Financing" section on this statement, you will not incur periodic finance charges on any Remaining Balance that appears in the section if you pay that balance in full by the applicable Deposit Data. To avoid finance charges on new purchase when your New Balance includes any Remaining Balance) in the Guaranteed Promotional Financing section, pay your full full balance returns the full value of the remaining balance shown that a minimum payment is due, we must receive at least that minimum payment by the date and time specified on your statement, even if your New Balance solves all Guaranteed Promotional Financing balances. Also, for some granting Promotional Financing balances, periodic finance charges account during the promotional period that are not added to your account balance instead, they account during the billing cycle by billing you a fee. Periodic finance charges do not add up in full by the applicable Expense Date, the deferred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, if you adjust under the terms of your Customized Agreement, the deferred finance charges will be added to your account as soon as BOLLING BROKEN BOMMERY In Exams all answers are Guaranteed Almost All Right! If you think your ID is wrong, if you have more information about a transaction on your card with Cardmember Services you can request it at www.cardmemberservices.com or call 1-800-254-3799. Your older ID has almost 60 days left before we send your first ID which the dealer or problem appraiser approved. You can phone us as soon as possible, but doing so will not preserve your right's In your letter, give us the following information: - The date amount of the suspected error *Describe the event and explain, if you can, why you believe there is an error. If you need more information, describe the item you are about to.* You do not have to pay any amount in question where we are investigating, but you are still obliged to pay the parts of your bill that are not in question. While we investigate your complaint, we will not charge you for any additional questions. If you have authorized us to pay your credit card card automatically from your savings or checking account, you can pay the payment on any account you think is wrong. To stop the payment, your letter or call asking the Cardmember Service address or telephone number is required at least two business days before the automatic payment is scheduled to occur. **Bonded Labels for Credit Card Purchases.** If you have a problem with the quality of goods or services that you purchased with a credit card (including purchases made with a credit), and you have failed in good faith to correct the problem with the merchant, you may not have received your purchase amount more than $200 and the merchant was made in your home state or within 100 miles of your mailing address. These limitations do not apply if you open or operate the merchant, or if we wanted you the advertisement for the property or services. https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186410 Page 28 of 31 526327100972135600006800003412000000007 CARDMEMBER SERVICE PO BOX 16153 WILMINGTON DE 19886-5153 CHASE Statement Date: 05/20/06 - 06/19/06 Payment Due Date: 07/14/06 Minimum Payment Due: $88.00 CUSTOMER SERVICE In U.S. Español TDD Pay by phone Outside U.S. MASTERCARD ACCOUNT SUMMARY_Account Number:
MASTERCARD ACCOUNT SUMMARY Account NumberACCOUNT INQUIRIES
Previous Balance$18.43Total Credit Line$18,600P.O. Box 15298
Payment, Credits-$18.43Available Credit$15,188Wilmington, DE 19650-5293
Purchases, Cash, Debits+$3,412.00Cash Access Line$18,600PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19886-5153
New Balance$3,412.00Available for Cash$15,188
TRANSACTIONS
Trans DateReference NumberMerchant Name or Transaction DescriptionAmount
CreditDebit
05/1985502796141980000536110DEER OUT LLC SOUTH PLAINFI NJ$3,032.00
05/3185500396152401150010029MEDICAL IMAGING MANHAT NEW YORK NY360.00
06/1211641630430968240191720PAYMENT - THANK YOU18.43
FINANCE CHARGES
CategoryDaily Periodic Rate 31 days in cycleCorresponding APRAverage Daily BalanceFinance Charge Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV .04929%17.99%$0.00$0.00$0.00$0.00
Cash advancesV .06573%23.99%$0.00$0.00$0.00$0.00
Total finance charges
Effective Annual Percentage Rate (APR): Please see Information About Your Account section for balance computation method, grace period, and other important information. * The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. ## IMPORTANT NEWS For convenient and secure, 24/7 account access visit www.chase.com/creditcards Did you know you can use your credit card to access cash whenever and whosoever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call to create your PIN today. This Statement is a Facsimile - Not an original 000 N Z 18 06/06/19 Page 1 of 1 05638 MA MA 40522 17810000000004052201 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186411 Page 29 of 31 ## Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: **CIV:** --- State: 2Dx. Home Phone: Work Phone: ___ E-mail Address: ## Information About Your Assignment List at least 5 Cashless Calls. Please report your bill to stolen card immediately by contacting the Customer Service number found on the level of your accountant. Adhere to always available to assist you. You can reach an Advise by pressing @ after you enter your account number. | Enabling of Payments | For payments by regular U.S. mail, send at local your delivery payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made by check or money order, payable in U.S. Dollars, and drawn on or payable through a U.S. Postal Service account. You must include your second number on your check or money order. Payments must be accompanied by the payment coupon in the emessage provided with our address visible through the envelope. The enclosure cannot contain more than one payment or coupon, and there can no longer be share, paper clip, type, or computer-encoded includes with your payment. If you wish to accept December 28 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit your account to your account as of that day. If your payment is accordance with our payment instructions, but it may require us to use additional information, we will credit your account as of the next day. If you do not follow our payment restrictions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, ordering of your payment may be delayed up to 5 days. Payments made electronically through our automated service services Customer Services web site will be subject to any processing times displayed for those payments. # Account information requested to Credit Bureau: We may report information about your account in credit bureau. Bank credits, missed payments or other details on your account may be required in your credit report. If you have received incorrect information, you may want to see at the Cardholder Service address listed on your credit bureau. | **Melissa Bluestead Electronic Check Generator:** When you provide a check to payment, your authorizes us to use information from your check to make a one-time electronic fund information from your check to make an electronic fund transfer, funds may be authorized from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number or write about electronic fund collection or do not want your authorizes electronic funds. ### Conditional Payments Any payment check or other form of payment that you send us for less than the full balance that is marked "paid in full" or contains a similar notification, or you otherwise tender in full retaliation of a disputed amount, must be sent to Card Services, P.O. Box 10498, Wilmington, DE 19850-9498. We reserve all our rights regarding these payments (e.g., if it is determined from no initial deposit or any such check to be valid), and we will accept any such payment by returning it to us, not mailing it or discharging it, at all other payments that you make should be sent to the appropriate payment address. **Annual Banking Statement**. If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you use your account, and you agree to pay if when billed. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we提交 your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee will be charged to your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your account relationship. Explanation of Finance Chapter: Use calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each balance, balance transfer, cash advances, principal balances or overdraft advances. These calculations may combine different categories with the same daily semi-annual rate. If there is a difference between the two rates used to determine the sale and its corresponding APR, are described in your Cardholder Agreement, as amended. There is a minimum finance charge any billing cycle in which you own any periodic finance charges, and a transaction balance charge for each balance. The check transaction, in the amount stated in your Cardholder Agreement, as amended. To get the daily balance for each day of the current billing cycle, use the beginning balance for each feature, add any new transactions or other debts (including fees, unpaid balances, or overdue payments) to the previous balance, and add any new transactions or other debts (including fees, unpaid balances, or overdue payments) to the previous balance, the beginning balance of the billing cycle in which they are posted to your account, or a later date of our choice (assume that check transactions are added as of the date deposited by the power or a later date of our account). If you want to record your payment to your account or the last day of the billing cycle, give us that daily balance. If credit balance is placed at a balance of zero if a daily periodic rate applies to any interest, we multiply the daily balance by the daily periodic rate to get your periodic finance charges beginning balance for the next day. If more than one daily periodic rate could apply based on the average daily balance, we will use the daily periodic rate that applies to the average daily balance amount at the end of the billing cycle to calculate the daily periodic finance charges beginning balance for the next day. If more than one daily periodic rate could apply based on To get your total periodic finance charges for a bilingual cycle when a daily periodic rate applies, we add all of the daily periodic finance charges for all features. To determine an applicable daily bilingency rate, multiply each feature by the number of days in the period. If you multiply the average daily bilingency for each feature by the applicable daily periodic rate, and then multiply each result by the number of days in the period, you will obtain the average periodic finance charges for the bilingency cycle, except for minor variations due to accounting. To get your total periodic finance charge for a bilingual cycle when a monthly periodic rate applies, multiply the average daily bilingency for each feature by the applicable monthly periodic rate. If you multiply the average periodic finance charges for the bilingency cycle, except for minor variations due to accounting, you will obtain the average periodic finance charge for a bilingual cycle, except for minor variations due to accounting. ##
Game Period (at least 29 days)
We account for periodic finance charges on a transaction, tax, or finance charge from the data it is added to your daily business balance until payment is received on your account. However, it may be necessary to pay additional taxes or fees on your account. We also account for periodic business payment of your fine Balance on your current statement by the date and your payment is due and payment of your fine Balance on your previous statement by the date. | one date and time your payment was made | There is no grace period for balance transfers, cash advances, check payments, or overdraft advance | | :--- | :--- | In addition, if there is a “*billing Promotional Financial*” section on this statement, you will not incur periodic finance charges on any *billing Balance* that appears in that section if you pay that balance in full by the applicable Expense Data. To credit finance charges on new purchases when your New Balance includes any *billing Balance* in the *billing Promotional Financial* section, pay your full new Balance within the field of *total Remaining Balance*($) by the date and time your payment in dollar amounts. If your payment is paid by the date and time specified on your statement, even if your New Balance outlines each of *billing Promotional Financial* balances. Also, for some qualifying Promotional Financing balances, periodic finance charges account during the promotional period that are not paid by your account will be applied. If they are not paid by your account, the default defined Promotional Financing balance is not used in full by the application Expiration Date, the defended Finance charges will be added to your account as on the first day after the Expiration Date. Further, if you delete under the terms of your application, the defended Finance charges will be added to your account as on the date of default. on how we manage @BasisInfo at Allotment #1 if you think your bill is wrong, or if you would need more information about a transaction on your bill, visit www.CardholderInformation.com as an appropriate resource. When you no longer have 60 days from the date you received your bill, send your first bill to which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: * The dollar amount of the suspected error - Download the answer and explain, if you can, why you believe there is an error. If you need more information, describe the steps you are unable to understand.* You do not have to pay any account in question while we are investigating, but you are obligated to pay the价金 of your lift that are not in question. While we investigate your question, we cannot respond you if a defendant or other action has been filed against you. You may be charged with selling or accounting on account, you can stop this payment on any account you like it is wrong. To stop the payment, your letter or call requesting the Condominium Service address or telephone number must be sent to us at least their business address below the automatic payment is scheduled to occur. Special Rates for Credit Card Purchase: If you have a problem with the quality of goods or services that you purchased with a credit card (including purchases made with a cheque), and you have lived in good faith to correct the problem with the merchant, you may not have received your purchase. When the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address, these limitations do not apply if all own or operate the machine, or if you paid you the advertisement for the property or services. https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186412 Page 30 of 31 526327100972135600001000000019050000005 | 50571 BEX Z 20068 D | | :--- | JEFFREY E EPSTEIN 457 MAXISKON AVENUE CIO J. E EPSTEIN CO 4TH FL NEW YORK NY 10022-6843 CARDMEMBER SERVICE PO BOX 15183 WILMINGTON DE 19366-5153 MASTERCARD ACCOUNT SUMMARY Account Number:
MASTERCARD ACCOUNT DEMENTY Account Number:ACCOUNT INQUIRIES
Previous Balance$3,412.00Total Credit Line$18,600P.O. Box 15298
Payment, Credits-$3,412.00Available Credit$18,600Wilmington, DE 19850-5298
Purchases, Cash, Debit+$19.05Cash Access Line$18,600PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 19366-5153
New Balance$19.05Available for Cash$18,600
TRANSACTIONS
Trans DateReference NumberMerchant Name or Transaction DescriptionCreditAmount Debit
07/1111921920230066245372522Payment Thank You Electronic Chk$3,412.00
07/1105133006182619332718460CSC COMPUTER COURBEVOIE FRA19.05
07/12 EURO
| 14.50 X 1.275862058 (EXCHG RATE) + 0.55 (EXCHG RATE ADJ) | | :--- | :--- | *Note: The table is a simple representation of the data provided, with no formatting or special characters.* FINANCE CHARGES
CategoryDaily Periodic Rate 30 days in cycleCorresponding APRAverage Daily BalanceFinance Charge Due To Periodic RateTransaction FeeFINANCE CHARGES
PurchasesV. .04998%18.24%$0.00$0.00$0.00$0.00
Cash advancesV. .06642%24.24%$0.00$0.00$0.00$0.00
Total finance charges | Effective Annual Percentage Rate (APR): | 0.00% | | :--- | :--- | Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. ## IMPORTANT NEWS Did you know you can use your credit card to access cash whenever and wherever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call to create your PIN today. This Statement is a Facsimile - Not an original X 0000001 F1323335 D B 000 N Z 19 06/07/18 Page 1 of 1 06858 MA MA 29571 20010000000002037101 https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186413 Page 31 of 31 48 2 48 ## Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: CRY: State: ___ Zip: Home Phone: Work Phone: ___ E-mail Address: ___ Information About Your Account Last Updated @ 8:04AM Cardle. Please report your best fit or skidden damage immediately by calling the Customer Service number found on the front of your statement. Adhdrns are always available to assist you. You can reach an Advisor by greeting 8 after you enter your account number
--using all Payments: For payments by regular U.S. mail, send at least your minimum payment due to our post office box designated for payments shown on this statement. Your payments by mail must comply with the instructions on this statement, and must be made through a foreign financial institution or the U.S. branch of a foreign financial institution. Do not send each letter your account number on your check or money order. Payments must be accompanied by the payment amount in the envelope provided with our address stable through the envelope window. The envelope cannot contain more than one payment receipt, and have no other information. For payments in accordance with our payment instructions and made available on us on any except September 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit the payment to your account as of that day if it is received within 10 days from the date of receipt. For payments in accordance with our payment instructions and made available on us on any except September 25 by 1:00 p.m. local time at our post office box designated for payments on this statement, we will credit it to your account as of the next day. If you do not follow our payment instructions or if your payment is not sent by regular U.S. mail to our post office box designated for payments, crediting or paying your payment may be delayed up to 5 days. If you do not follow our payment instructions, or our web site will be subject to any processing times disclosed for those payments.
## Nike About Electronic Check Government: Nike will provide a check as payment, you advertise an order to use information from your check to make a one-time electronic fund transfer information from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Call the customer service number about electronic check collection or do not send your payments electronically. # Account Information Required to Credit Banking We may report information about your account to credit banks. Lapsed loans, missed payments or other details on your account may be reflected in your credit report. If you think we have requested information you may need to visit the Carlsbad Service Center based on your billing statement. ### Cardinal Payments: Any payment check or other form of payment that you need on for less than the full balance due that is mailed "in gold" or contains a similar solution, or your otherwise tendered in full satisfaction of a deposit amount, must be sent to Card Services, P.O. Box 10245 10248, Washington, D.C. 20038-9048. We reserve all our right regarding these payments (e.g., it is determined there is no room for any such checks in your account). We may accept any payment by check to you if not existing in or destroying in, all other payments that you make should be sent to the appropriate payment address. **Annual Annual Bills:** If your account has an annual fee, it will be billed each year or in monthly installments, whether or not you pay your account, and you agree to pay it when lifted. The annual fee is non-refundable unless you notify us that you wish to close your account within 30 days of the date we make your statement on which the annual fee is charged and at the same time, you pay your outstanding balance in full. Your payment of the annual fee will be charged to your account. If your account is closed by you or us, we will continue to charge the annual fee until you pay your outstanding balance in full and terminate your relationship. Explanation of Finance Changes: We calculate periodic finance charges, using the applicable periodic rates shown on this statement, separately for each balance (e.g., balance due to a loan or credit card), cash advances, promotional balances or overdraft advances). These calculations may combine different categories with the same daily default rate. If there is an overdue note, we will determine the rate and assign the APR determined in your Cardholder Agreement, as amended. There is a minimum finance charge in any billing cycle in which you own any periodic finance changes, and a transaction finance change for each balance due to a loan or credit card, cash advances, promotional balances or overdraft advances, as amended. To get the daily balance for each day of the annual billing cycle, we take the beginning balance for each balance, and any new transactions or other disbursements, until unpaid. The balance is then adjusted on the next billing date, the beginning of the billing cycle in which they are posted to your account, at a later date of our choice (except that check transactions are added as of the date deposited by the payee or a later date of our choice). Fees are added on the next day of the billing cycle. This gives us the daily账单 balance, which is multiplied by a balance of amt. If a periodic payment applies to any balance, we multiply the daily balance by the daily账单 rate to get your periodic finance charges. This day, we will add the fee to the daily账单 balance. We will also add one more time the daily账单 rate could apply based on the average daily balance, we will use the daily账单 rate that applies for the average daily balance amount at the end of the daily账单 cycle to calculate the daily periodic finance charge each day. If this statement shows a periodic cycle average daily balance for purchases of purchases on the previous billing cycle, however, the daily balance for previous billing cycle purchases is considered to be zero for each day of the provision billing cycle a periodic finance change was already applied on purchases on your previous balance for purchases on the previous billing cycle. Balance on your previous balance in the date and time your payment due. To get your total periodic finance charges for a billing cycle when a daily periodic rate(s) applies, we add all of the daily periodic finance charges for all features. To determine an applicable periodic billing cycle, you must calculate the average daily balance for each feature by applying the daily periodic rate and then multiply each result by the number of days in the billing cycle. If the average daily balance equals the periodic finance charges for the billing cycle, except for minor variations due to rounding, you will get your total periodic finance charge for a billing cycle when a monthly periodic rate is applied. To calculate the average daily balance for a monthly periodic rate, add the assets together. The total will equal the periodic finance charges for the billing cycle, except for minor variations due to rounding. Green Period [of local 20 days]: We accept periodic finance charges on a transaction, or finance change from the data it is added to your daily balance until payment is full is accepted on your account. However, we are not responsible for any errors in the data provided by you. You must confirm receipt of both payment of your New Balance on your current statement by the date and time your payment is due and also pay your New Balance on your previous statement by The data and free your payment was done. There is no grace period for balance transfer with cash advances, check transactions or overdraft advances. In addition, if there is a “Qualifying Promotional Financial” statement on this statement, you will not incur periodic charges on any Returning Balance that appears in this section if you pay the balance in full by the applicable Expiration Date. To avoid finance charges on a purchase when your New Balance Includes any Returning Balance] in the Qualifying Promotional Financing section, pay your full New Balance even the first of the minimum payment shown that a minimum payment is due. You must meet at least that minimum payment by the date and time specified on your statement, even if your New Balance invoices all of Qualifying Promotional Financial benefits. Rates, for some Duality Qualifying Promotional Financing balances, periodic finance charges account during the promotional period but are not added to your account balance. Involved. If you have a defianced interest qualifying Promotional financing balance in not paid full by the defianced interest qualifying Promotional financing balance will be added to your account as soon as the final day after the Expiration Date. For both, if you default under the terms of your account, the defianced finance charges will be added to your account as soon as the date of default. ## BILLING RIGHTS SUMMARY *how can we answer an question about Your Bill?* You think your bill is too long, or if you need more information about a transaction on your bill, use Cardholder Service on a separate card. *H In your letter, give an explanation of the following information: - The dollar amount of the suspected error - Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the form you are about to use.* You do not have to pay any amount in question while we are investigating, but you will be obligated to pay the most of your bill if that is not in question. While we investigate your complaint, we will not charge you for any additional questions. If you have authorized us to pay your credit card automatically from your evisuer or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call using the Customer Service address or telephone number provided will止 all of their business days before the automatic payment is scheduled to occur. Specialties for Card Credit Purchases: If you have a problem with quality of goods or services that you purchase with a credit card (including purchases made with a check), and you have been in good faith to contact the problem with the merchant, you may not have received your purchase price more than $200 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply if all or some of the operations, or if all mail you used the advertisement for the property or services https://instantimage.bankone.net/Star/action/Print.do?pageName=CCStmt&null&nTotalIte... 8/15/2006 EFTA00186414 DECEIVE 8725 EFTA00186415