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NOTICE OF PROPOSED CLASS ACTION SETTLEMENT AND

HEARING TO CHASE CREDIT CARDHOLDERS

This Notice summarizes your rights under the proposed settlement of a class action lawsuit as described below. You are eligible for payment if you were a Chase or Bank One Circuit City Rewards Credit Cardholder with a California billing address who between May 26, 2004 and June 5, 2014 made a promotional or deferred-interest purchase at Circuit City and who, as a result of payments or credits being allocated first to the promotional or deferred-interest balance before the regular purchase balance, paid more in finance charges than you would have paid if the payments or credits had first been applied to the regular purchase balance.

THIS NOTICE COULD AFFECT YOUR RIGHTS - PLEASE READ IT CAREFULLY

This Notice is provided to you by order of the United States District Court, Central District of California. This summarizes a proposed settlement of a class action lawsuit titled Davis v. Chase Bank, USA, N.A.,Case No. 2:06-CV-04804-DDP-PJW (the "Lawsuit"). In the Lawsuit, Gary Davis and Gene Castillo ("Plaintiffs") allege that Chase Bank, USA, N.A., and before it, Bank One, Delaware, N.A. (together, "Chase"), improperly allocated payments or credits on Circuit City Rewards Credit Cards. Plaintiffs make these claims on behalf of all Chase credit card account holders in California who between May 26, 2004 and June 5, 2014 made a promotional or deferred-interest purchase at Circuit City and who, as a result of payments or credits being allocated first to the promotional or deferred-interest balance, before the regular purchase balance, paid more in finance charges than they would have paid if the payments or credits had first been applied to the regular purchase balance. Chase vigorously denies the allegations, and contends that it fully and adequately disclosed the terms of all promotional rate offers and acted in accordance with its contractual authority. 


Important Dates

Opt Out Deadline: September 18, 2014

Objection Deadline: September 18, 2014

Final Approval Hearing: October 27, 2014