August 13, 2008 through September 11, 2008

JPMorgan Chase Bank, N.A.

P O Box 260180 Primary Account: 000907018470965
Baton Rouge, LA 70826 - 0180

CUSTOMER SERVICE INFORMATION

Web site: Chase.com
Service Center: 1-800-935-9935
00028966 DRE 802 162 25608 - NNNYN T 1 000000000 28 0000 Hearing Impaired: 1-800-242-7383
SHAILENDRA KULKARNI Para Espanol: 1-877-312-4273
OR SMRUTI KULKARNI International Calls: 1-713-262-1679
706 STONY BROOK WAY
NORTH BRUNSWICK NJ 08902-4584

00289660301020000023
Important Changes to Your Chase Free Checking Account
On 11/16, Chase Free Checking will be called Chase Checking(SM). All other terms, conditions, benefits &
features remain the same, including no monthly service fee with monthly direct deposit or when you make 5 or
more debit card purchases each statement period. Call us at 1-800-935-9935 if you have questions.

Introducing Chase Exclusives SM

BETTER RATES - MORE REWARDS - BIGGER DISCOUNTS

Learn about Special Benefits for Being a Chase Checking Customer
Visit Chase.com/Exclusives or Talk to a Banker Today!
Restrictions and limitations apply
„ 2008 JPMorgan Chase Bank, N.A. Member FDIC

CONSOLIDATED BALANCE SUMMARY

ASSETS
Checking & Savings ACCOUNT BEGINNING BALANCE ENDING BALANCE
THIS PERIOD THIS PERIOD
Chase Better Banking Checking 000907018470965 $1,138.43 $104.08
Chase Free Checking 000000726830805 1,318.43 12,681.24

Total $2,456.86 $12,785.32

TOTAL ASSETS $2,456.86 $12,785.32

All Summary Balances shown are as of September 11, 2008 unless otherwise stated. For details of your retirement
accounts, credit accounts or securities accounts, you will receive separate statements. Balance summary information for
annuities is provided by the issuing insurance companies and believed to be reliable without guarantee of its completeness
or accuracy.

Page 1 of 6
 August 13, 2008 through September 11, 2008
Primary Account: 000907018470965

BALANCING YOUR CHECKBOOK

Note: Ensure your checkbook register is up to date with all transactions to date whether they are included on your
statement or not.

1. Write in the Ending Balance shown on this statement: Step 1 Balance: $

2. List and total all deposits & additions not shown on this statement:

Date Amount Date Amount Date Amount

Step 2 Total: $_________________

3. Add Step 2 Total to Step 1 Balance. Step 3 Total: $_________________
4. List and total all checks, ATM withdrawals, debit card purchases and other withdrawals
not shown on this statement.

Check Number or Date Amount Check Number or Date Amount

Step 4 Total: -$_________________

5. Subtract Step 4 Total from Step 3 Total. This should match your Checkbook Balance: $_________________

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS:Call or write us at the phone number or address on
the front of this statement (non-personal accounts contact Customer Service) if you think your statement or receipt is incorrect or if you
need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you
the FIRST statement on which the problem or error appeared. Be prepared to give us the following information:
- Your name and account number
- The dollar amount of the suspected error
- A description of the error or transfer you are unsure of, why you believe it is an error, or why you need more information.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days (or 20 business days for
new accounts) to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the
time it takes us to complete our investigation .

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONS:Contact the bank immediately if your statement is
incorrect or if you need more information about any non-electronic transactions (checks or deposits) on this statement. If any such error
appears, you must notify the bank in writing no later than 30 days after the statement was made available to you. For more complete
details, see the Account Rules and Regulations or other applicable account agreement that governs your account.

JPMorgan Chase Bank, N.A. Member FDIC

Page 2 of 6
 August 13, 2008 through September 11, 2008
Primary Account: 000907018470965

CHASE BETTER BANKING CHECKING

SHAILENDRA KULKARNI Account Number: 000907018470965

10289660302000000063
OR SMRUTI KULKARNI

CHECKING SUMMARY
AMOUNT
Beginning Balance $1,138.43
Checks Paid - 600.00
ATM & Debit Card Withdrawals - 420.35
Other Withdrawals, Fees & Charges - 14.00
Ending Balance $104.08

Interest Paid Year-to-Date $0.43

This message confirms your enrollment in the Classic Benefits Package.

CHECKS PAID
CHECK NUMBER DATE AMOUNT
PAID
179 ^ 08/15 $600.00
Total Checks Paid $600.00

If you see a check description in the Transaction Detail section, it means your check has already been converted for
electronic payment. Because of this, we're not able to return the check to you or show you an image on Chase.com.

^ An image of this check may be available for you to view on Chase.com.

TRANSACTION DETAIL
DATE DESCRIPTION AMOUNT BALANCE
Beginning Balance $1,138.43
08/15 Check # 179 - 600.00 538.43
08/15 Card Purchase 08/13 C A* Yahoo *Trivak. 800-318-087 CA Card - 12.94 525.49
0087
08/21 Card Purchase 08/19 C A* Delta 00621658 Salt Lake UT Card 0087 - 74.60 450.89
08/25 Card Purchase 08/22 C A* Bp Oil 0 Clarksville TN Card 0087 - 40.02 410.87
08/25 Card Purchase 08/21 C A* Exxonmobil 421 Daleville VA Card 0087 - 36.01 374.86
08/27 Card Purchase 08/25 C A* Exxonmobil 42 Breezewood PA Card - 27.00 347.86
0087
08/28 Card Purchase 08/25 C A* Shell Oil 51311 Cambridge C IN Card - 39.01 308.85
0087
09/03 Non-Chase ATM Fee-With - 2.00 306.85
09/03 Card Purchase 09/01 C A* Econo Lodge Westley CA Card 0087 - 70.20 236.65

Page 3 of 6
 August 13, 2008 through September 11, 2008
Primary Account: 000907018470965

(continued)
TRANSACTION DETAIL
DATE DESCRIPTION AMOUNT BALANCE
09/03 Non-Chase ATM Withdraw 09/02 5152 Monterey Road San Jose, CA Card - 62.00 174.65
0087
09/03 Card Purchase 09/01 C A* Fedex Kinko's #053 Milpitas CA Card 0087 - 5.25 169.40
09/04 Card Purchase 09/02 C A* Fedex Kinko's #5185 Fremont CA Card - 3.00 166.40
0087
09/05 Card Purchase 09/02 C A* Shell Oil 504836000 Westley CA Card - 32.32 134.08
0087
09/09 Card Purchase 09/05 C A* Getty 00254001 N Brunswick NJ Card - 18.00 116.08
0087
09/11 Service Fee - 12.00 104.08
Ending Balance $104.08

Did you know you can waive your monthly service fee by keeping at least $1,500 in your Chase Better Banking Checking
account or a combined average balance of $5,000 in qualifying checking, savings, credit, securities and mortgage loan
accounts? During the statement period your minimum Chase Better Banking Checking balance was $116 and your
combined average balance was $413.00.

Continental Airlines - Rewards Program Summary

REWARDS SUMMARY
DATE DESCRIPTION MILES
09/11 Use your Chase Continental Airlines Banking Card to pay your
monthly wireless phone bills and watch the miles add up!
Simply sign up for automatic bill pay with participating
wireless providers and earn miles for your qualifying monthly
payments. So call today and get rewarded. For more details go to
www.chasebillmanager.com.

Miles from Card ending in 0087 credited OnePass # EX863905

Continental Airline Card ending in 0087 Miles from Qualifying purchase 179

CHASE FREE CHECKING

SHAILENDRA KULKARNI Account Number: 000000726830805
OR TRIVIKRAM S KULKARNI

CHECKING SUMMARY
AMOUNT
Beginning Balance $1,318.43
Deposits and Additions 25,000.00
Checks Paid - 11,558.00
ATM & Debit Card Withdrawals - 2,043.19
Other Withdrawals, Fees & Charges - 36.00
Ending Balance $12,681.24

Page 4 of 6
 August 13, 2008 through September 11, 2008
Primary Account: 000907018470965

Your monthly service fee was waived because you had a direct deposit OR at least 5 debit card purchases during the
statement period.

CHECKS PAID
CHECK NUMBER DATE AMOUNT
PAID
9992 ^ 08/15 $700.00
9994 * ^ 08/27 10,858.00

10289660303000000063
Total Checks Paid $11,558.00

If you see a check description in the Transaction Detail section, it means your check has already been converted for
electronic payment. Because of this, we're not able to return the check to you or show you an image on Chase.com.
* All of your recent checks may not be on this statement, either because they haven't cleared yet or they were listed on
one of your previous statements.
^ An image of this check may be available for you to view on Chase.com.

TRANSACTION DETAIL
DATE DESCRIPTION AMOUNT BALANCE

Beginning Balance $1,318.43

08/14 Fed Wire Credit Via: Citibank/021000089 B/O: Usha T Kulkarni Road 15,000.00 16,318.43
Vakola, Ref: Chase Nyc/Ctr/Bnf=Shailendra Kulkarni OR North Brunswick,
NJ 089024584/Ac-000000007268 Rfb=O/B Citibank Nyc Obi=S0305
Education Bbi=/Acimad: 0814B1Q8021C005564 Trn: 0442401227Ff
08/14 Incoming Domestic Wire Fee - 15.00 16,303.43
08/14 Card Purchase 08/14 Unitrin Direct Ins C 800-Unitrin CA Card 6564 - 275.55 16,027.88
08/15 Non-Chase ATM Fee-Inq - 2.00 16,025.88
08/15 Non-Chase ATM Fee-With - 2.00 16,023.88
08/15 Check # 9992 - 700.00 15,323.88
08/15 Non-Chase ATM Withdraw 08/15 2013 Rt 27 South Summerset NJ Card - 21.50 15,302.38
6564
08/19 Card Purchase 08/18 Reservation Rewards 800-7327031 CT Card - 12.00 15,290.38
6438
08/25 Card Purchase 08/22 Vonage *Price+Taxes 866-243-4357 NJ Card - 31.58 15,258.80
6438
08/25 Card Purchase 08/23 Shopper Discounts 800-8898776 CT Card 6438 - 12.00 15,246.80
08/26 Card Purchase 08/26 Twx*Aol Service 0808 800-827-636 NY Card - 14.95 15,231.85
6438
08/27 Check # 9994 - 10,858.00 4,373.85
08/27 Card Purchase 08/26 Avis Rent-A-Car New Brunswick NJ Card 6438 - 506.10 3,867.75
08/27 Card Purchase 08/26 Delta Air 0062165506 Salt Lake UT Card 6438 - 162.00 3,705.75
08/28 Card Purchase 08/27 Shoprite of North North Brunswi NJ Card 6438 - 74.54 3,631.21
09/02 Card Purchase 08/31 Cigarette Max San Jose CA Card 6438 - 35.71 3,595.50
09/02 Card Purchase With Pin 09/01 Nnt Cigarettes & Pa5320 Milpitas CA Card - 35.30 3,560.20
6438
09/03 Non-Chase ATM Fee-With - 2.00 3,558.20
09/03 Non-Chase ATM Withdraw 09/02 5152 Monterey Road San Jose, CA Card - 102.00 3,456.20
6438
09/05 Card Purchase 09/03 Fox Rent A Car South San Fra CA Card 6438 - 124.86 3,331.34
09/05 ATM Withdrawal 09/05 1550 Georges Rd N Brunswick NJ Card 6438 - 100.00 3,231.34
09/05 Card Purchase 09/03 Holiday Inn Express Wes Westley CA Card - 74.52 3,156.82
6438

Page 5 of 6
 August 13, 2008 through September 11, 2008
Primary Account: 000907018470965

(continued)
TRANSACTION DETAIL
DATE DESCRIPTION AMOUNT BALANCE
09/05 Card Purchase 09/03 Chevron 00205456 Westley CA Card 6438 - 44.00 3,112.82
09/08 Card Purchase 09/06 Tire Barn, Inc North Brunswi NJ Card 6438 - 141.03 2,971.79
09/08 Card Purchase 09/05 Vip Health Fitness C 732-8218700 NJ Card - 80.25 2,891.54
6438
09/08 Card Purchase 09/07 Chutney Mary-Restaur Monmouth Ju NJ Card - 46.82 2,844.72
6438
09/08 Card Purchase 09/05 Mars Silver Spring Baltimore MD Card 6438 - 45.57 2,799.15
09/08 Card Purchase 09/06 Getty 00254001 N Brunswick NJ Card 6438 - 44.74 2,754.41
09/08 ATM Withdrawal 09/07 1550 Georges Rd N Brunswick NJ Card 6564 - 40.00 2,714.41
09/08 Card Purchase 09/06 Xtreme Clean S Plainfield NJ Card 6438 - 18.17 2,696.24
09/10 Fed Wire Credit Via: Citibank/021000089 B/O: Usha T Kulkarni Road 10,000.00 12,696.24
Vakola, Ref: Chase Nyc/Ctr/Bnf=Shailendra Kulkarni OR North Brunswick,
NJ 089024584/Ac-000000007268 Rfb=O/B Citibank Nyc Obi=S0305
Education For Sonimad: 0910B1Q8021C004713 Trn: 0341002254Ff
09/10 Incoming Domestic Wire Fee - 15.00 12,681.24
Ending Balance $12,681.24

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