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07-6877
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. PATRICIA HOWARD Defendant No: 7 &d COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 05760285 C A Pit CXC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No PATRICIA HOWARD Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 i COMPLAINT 1. Plaintiff, is a corporation with offices at 6500 New Albany Rd, New Albany, OH 43054. 2. Defendant is adult individual(s) residing at the address listed below: PATRICIA HOWARD 162 E LOUTHER ST CARLISLE, PA 17013 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 6011300670133188 . A copy of Plaintiff's Statement of Account s attached hereto, marked as Exhibit "A" and made a part hereof. 4. Defendant made use of said credit card and currently has a balance due and owing to Plaintiff, as of October 15, 2007 , in the amount of $3502.33 . 5. Defendant is in default by failing to make payments when due. 6. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 7. Plaintiff avers that such attorneys' fees will amount to $500.00 . I 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant , PATRICIA HOWARD INDIVIDUALLY , in the amount of $3502.33 with interest at the legal rate of 6.000% per annum from date of judgment plus attorneys' fees of $500.00 , and costs. James C. Warmbrodt,42524 WELTMAN EINBERG & REIS CO., L.P.A. 436 Se n h Avenue, Suite 2718 Pittsb rg , PA 15219 (412) 434 7955 FAX: 12- 38-7130 0576 285 C A Pit CXC This law firm is a debt collector attemotihg to collect this debt for our client and any information obtaine ill be used for that purpose. VIJI.)V tK ? CARD $3,502.33 $3,502.33 { Payment Due Date January 21, 2007 22 SDSN6A01 0011712 PATRICIA HOWARD 162 E LOUTHER ST CARLISLE PA 17013-3027 Enter Amount Enclosed Below E° Please make check payable to Discover Titanium Card. Minimum payment due includes a past due amount of $566.00. Consolidate bills quickly and securely with a Balance Transfer to your Discover Card - Call 1-877-353-0989 or visit Discovercard.com/balancetransfer TODAYI PO BOX 15251 WILMINGTON DE 19886-5251 Address, e-mail or telephone change6 Print change in space above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011300670133188035023300000000350233 Discover Titanium Card Account Summary Closing Date: December 22, 2006 page 1 of 1 Account Number 6011 3006 7013 3188 Previous Balance $3,502.33 Payment Due Date January 21, 2007 Payments And Credits 0.00 Minimum Payment Due $3,502.33 Purchases + 0.00 Credit limit $4,500.00 Cash Advanc + 0.00 Credit Available $997.00 Balance + 0.00 Cash Credit Limit $0.00 Fino + 0.00 Cash Credit Available $0.00 No 41 ( e 53,502.33 How Can We Help You? For Account Inquiries, write to us at. Pleaw hour Discover Card available. Discover Titanium Card, PO Box 30943 aw __._y __..__..._..... .______.._._....SphlpkoCity,-UTAA130. --- Manage your account online at Discowrcard.com TDD (Telecommunications Device for the Deaf): Customer Servere: 1.800-DISCOVER (1-800.347.2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Cut back on mailbox clutter) Sign up For Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.04449% 16.24% V 16.24% $0 none Cash Advances $0 0.04449% 16.24% V 16.24% $0 $0 previous billing period: 22 days Purchases $0 0.04449% 16.24% V 16.24% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, he/she is an attorney for the Plaintiff herein; makes this Verification based upon the facts as supplied to her by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for filing of this pleading, and that the facts set forth in the foregoing pleading are true and correct to the best of her knowledge, information and belief. 05760285 C A Pit CXC G VS. -7 A In the Court of Common Pleas of Cumberland County, Pennsylvania No. _ &P Civil. & 4AO-7 To Prothonotary 19 VL? Attorney yfon4lak tiff- . No. Term, 19 VS. PRAECIPE Filed 19 Atty. -77 --t .? 1 IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff vs. PATRICIA HOWARD Defendant No: 07-6877 CIVIL ACTION - LAW DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT Pursuant to Pa.R.C.P. No 1028, Defendant Howard, by and through her attorneys, MidPenn Legal Services, preliminarily objects to Plaintiff's Complaint and moves for its dismissal as follows: 1. MOTION TO STRIKE/FAILURE OF PLEADING TO CONFORM TO LAW AND RULE OF COURT Plaintiff filed a Complaint demanding damages in the amount of $3,502.33, plus, interest at the legal rate of 6.00% per annum from the date of judgment plus attorneys' fees of $500.00, and costs. 2. Plaintiff has failed to attach to the Complaint a signed written contract between Plaintiff and Defendant. Although this contract would form the very core of Plaintiff's case, such a writing has not been appended to the Complaint, nor its absence explained, as required by Pa.R.C.P. No. 1019(i). 3. Although Plaintiff avers that a credit card was issued to the Defendant, no agreement forming the basis for the use of the credit card was attached to the Complaint. 4. In addition, while Plaintiff claims in Paragraph 5 that Defendant defaulted under the terms of the agreement, Plaintiff fails to attach any documentation of charges or payments which would evidence such a default. WHEREFORE, Defendant Howard demands the Plaintiff's Complaint be dismissed. II. MOTION TO STRIKEANSUFFICIENT SPECIFICITY OF PLEADING 5. Paragraph's 1-4 are incorporated herein by reference hereto. 6. As a whole, the Complaint is grossly vague and lacking in factual averments such that Defendant is without knowledge or information sufficient to form a meaningful response and prepare a defense. 7. The Complaint fails to provide any documentation or accounting of charges allegedly made by Defendant, which would support Plaintiff's claim of damages, such as a breakdown of charges, payments, and interest, so that Defendant can properly formulate a response and assert any counterclaims. 8. Given the generality of Plaintiff's allegations and failure to attach any documentation to support its claim, the Complaint fails to satisfy the Pennsylvania Rules of Civil Procedure. WHEREFORE, Defendant Howard demands that Plaintiff's Complaint be dismissed. Date: 1A16:21,,206 MIDPENN LEGAL SERVICES By: Geoffrey M. Biringer, Esquire 401 E. Louther Street Carlisle, PA 17013 (717) 243-9400 Sup. Ct. ID #18040 CERTIFICATE OF SERVICE The undersigned, being an attorney in good standing with the Bar, hereby certifies that on the below stated date, he served a true and correct copy of the within Defendant's Preliminary Objections to Plaintiff s Complaint, by mailing same to the office of the Plaintiff's attorney or record by regular first-class mail, postage prepaid, addressed as follows, which service satisfies the requirements of Pa.R.C.P.No. 440: James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REIS CO.,L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Date: December 5, 2007 V MidPenn Legal Services Geoffrey M. Biringer 401 E. Louther Stret Carlisle, PA 17013 (717)243-9400 Supreme Court ID#18040 f^+„l -r7 t - ?/} 1 1-I 1 SHERIFF'S RETURN - REGULAR CASE NO: 2007-06877 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DISCOVER BANK HOWARD PATRICIA VS STEPHEN BENDER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE HOWARD PATRICIA DEFENDANT the at 1520:00 HOURS, on the 29th day of November-, 2007 at 162 E LOUTHER STREET CARLISLE. PA 17013 PATRICIA HOWARD was served upon by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharges Sworn and Subscibed to before me this So Answers: 18.00 4.80 .00 __ 10.00 R. Thomas Kline .00 32.80 11/30/2007 WELTMAN WEINBER & REIS By. day eputy Sheriff of A. D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff VS. PATRICIA HOWARD, Defendant No. 07-6877 Civil AMENDED COMPLAINT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD THIS PARTY: Patrick Thomas Woodm , Esquire PA I.D.#34507 Weltman, Weinberg & Re s Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5760285 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff vs. PATRICIA HOWARD, Defendant No. 07-6877 Civil AMENDED COMPLAINT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Patrick Thomas Woodman, Esquire PA I.D.#34507 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5760285 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. PATRICIA HOWARD Defendant Civil Action No 03 "(0&73- CrulL COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT 1. Plaintiff Discover Bank is a corporation with offices located at 6500 NEW ALBANY ROAD, NEW ALBANY, OH 43054. 2. Defendant is an adult individual residing at 162 E. LOUTHER STREET, CARLISLE, PA 17013. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa.C.S.A. § 4122. 4. On or about May 11, 1999, Defendant applied for, obtained and used a credit card issued by Discover Bank bearing the account number 6011300670133188. A copy of the Application is attached hereto marked as Exhibit "A" and made a part hereof. 5. Defendant was also provided with a "Cardmember Agreement" that contained terms and provisions applicable to Defendant's credit card account. A copy of the Cardmember Agreement is attached hereto marked as Exhibit "B" and made a part hereof. 6. Defendant used the aforementioned credit card to purchase goods, merchandise and services and currently has a balance due and owing to Plaintiff in the amount of $3502.33 as of October 15, 2007. 7. Attached hereto, marked as Exhibit "C" and made a part hereof are true and correct copies of the monthly statements on Defendant's aforementioned account, number 6011300670133188, dated from August 27, 2003 through September 27, 2006. 8. Pursuant to the terms of the agreement between the parties, Defendant agreed to make monthly payments on the outstanding balance on the account, in the minimum amounts indicated on the monthly statements mailed to them by Plaintiff. 9. Plaintiff states that the Cardmember Agreement between the parties provides that Plaintiff, is entitled to the addition of finance charges at the rate of 6.00% per annum on the unpaid balance. 10. Plaintiff states that the Cardmember Agreement between the parties provides that Defendant will pay Defendant's attorney's fees. 11. Plaintiff avers that such attorney's fees will amount to $500.00. 12. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant Patricia Howard, in the amount of $3502.33 with continuing finance charges thereon at the rate of 6.0% per annum from the date of judgment, plus attorney's fees in the amount of $500.00, plus costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & REIS, CO., L.P.A. Patrick Thomas Woodman, Esquire PA I.D.#34507 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5760285 EXHIBIT A DISCOVER' CARD IMPORTANT INFORMATION ABOUT YOUR DISCOVER* TITANIUM CARD ACCOUNT CARDMEM13ER AGREEMENT The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the Acceptance of Agreement and Right to Reject Arbitration" section. SEE PAGES 1- 12 PRIVACY POLICY A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others ......... SEE PAGES 13 -16 BILLING RIGHTS Important Information about your rights and our responsibilities under the Fair Credit Billing Act ..... .•......• .....................SEE PAGES 16-17 DESCRIPTION OF COVERAGE The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile ..... SEE PAGES 17 - 23 ® 2008 Discover Bank. Member FDIC T334001.040BTL17 EX IBIT CARDMEMBER AGREEMENT Please read this Agreement carefully before using your DIKO er' Card Account. It contains the terns and conditions of yontr Account, some of which may have changed from evier materials provided to you. in the event of any differences, this Agreement shall control. Privacy respect your privacy, for adddittiml fo or rmation. Section on page 9 and our The Arbitration of Disputes Section on pogo 11 includes a waiver of a number of ri including the right to a jury trial. Acceptance of Agree ment and Right to Reject Arbitration section on page 2 descri bes the procedure Dips S you must follow N you desire to reject the Arbitration of CARDMEMBER AGREEMENT Agreement Terms....... .. ........................ 1 Acceptance of Agreement and Right to Reject Arbitration ..................... ................ 2 Use of Your Account ......................................... 2 Authorized Users ............................................ 3 Unauthorized Use ........................................... 3 Credit Umit-Available Credit .:................................ 3 Promise to Pay .............................................. 4 Monthly Billing Statement .............................. 4 Monthly Payment Options ................................. 4 Minimum Nlordhly Payment ................................... 4 Credit Balances .......................................:. .... S Balance Transfers ...................................... 5 Periodic Finance Charges ................................ . ...... 5 Default Rate Plan ............................................7 Cash Advance Transaction Fee Finance Charges .................. 7 Balance Transfer Transaction Fee Finance Charges ................. 7 Minimum Finance Charge ..................................... 8 Late Fee . ..................... 8 Overlimit Fee ................................................ 8 Returned Payment Fee ....................................... 8 Returned Discover Card Check Fee ............................. 8 Stop Payment Fee ........................................... 8 Pay-by-Phone Fee ........................................... 8 Research Fee .............. ....... 8 Default-Acceleration-Collection Costs ........................... 8 Cancellation ........................... 9 Privacy ............................................... 9 Electronic Communications ................................... to Credit Authorizations ...................................... to Change of Terms ..................................:........ 10 Change of Address or Telephone Number ...................... 10 Assignment of Account ...................................... 10 Claim Notices ................................. .10 Arbitration of Disputes ...................................... 11 Severability.......................................... .......12 Compliance with Interest Rate Umitations ............... 12 Governing law .............................................12 AGREEMENT TERMS. The word 'Account' means your Discover Card Account. The word 'Card' means any one or more Discover Cards issued to you or someone else with your authorization. The words 'you', your', or 'yours' refer to, in addition to you, the Cardmember, any -1- other person or persons who are also contractually liable under this Agreement. The words 'we" "us" and "our" refer to Discover Bank, the issuer of your Discover Ca?e?. The words 'Authorized User' mean any person whom you authorW to use your Account or a Card, whether you notify us or not. The words 'Pricing Schedule' mean the document accompanying your Card and &L the Finance Charge rates that apply to your Account The Pricing le is part of this Agreement. ACCEPTANCE OF AGREEMENT AND THE RIGHT TO REJECT ARBITRATION. The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, including the Arbitration of Disputes provision on es 11-12. You may, however, ec he Arbitration of Disputes by providing a notice of n within 30 days after a {and, at the following ad addn>ss: ver C ard, P.O. Box 30931, Sock Cft% UT 841304M If you were prew subject to arbitration with respect to any account with us, the ri t to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be any other correspondence. Calling us to indicate that you rej?t with Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we requke that the notice be provided by you directly and not through a third partr?y Rejection of arbitration will not affect your other r'lhts or responsibilities under this Agreement or your obligation to arbitrate disputes under army other account as to which you and we have i? reed to arbitrate disputes. if you do sot send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any rior account you have had with us, even If you have previously sent a rejPection notice with respect to that prior amount. USE OF YOUR ACCOUNT. Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances -to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign currency, and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment Your Account may be used for personal, family, household and charitable purposes. Your Account may not be cued to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agree- ment or for any transitions that are unlawful where you reside or -2- where you are physically located when you use the Account to initiate the transaction "Prohibited Transactlons'. Prior to its use, each card must be signed by the person to whom it is issued. We are not responsible for the refusal of anyone to accept or honor a Card or to acceptdchecks tthat o uswe hav eprovided you. You must return any Card or checks upon quest If a merchant fails to provide your purchase to your satisfaction and u resolve the di it to your Account, we will investigate the dispute. it we and you will be deemed your favor we will s credit to yoaurraAccount to have merchant andlor any third party assigned crediteed mount. U Ipon the our request, you agree to provide us with written evidence of such assignment. Your rights and responsibilities under the Fair Credit Billing Act described in the biBl rights summary on peges 16.17 and on the back of your monthy, bil frig statement app1y ly to credit card transactions. The Special Rule for Credit Card Pulr ases does not apply to purchases made with a balance transfer check, cash advance, or promotional purchase check. Therefore, if you have a problem with the quality of goods or services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. AUTHORIZED USERS, If you want to cancel the authority of a current Authorized User to use your Account or a card, you must notify is In writing or by telephone and destroy any Card in that person's possession. None of your rg?m under this Agreement (other than to pay amounts owed) may be exercised by person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). UNAUTHORIZED USE. If a Card Is lost or stolen, or If you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by tole Oning 14WDISCOVER (f- 800.347-2683), or by writing D COW, O R CARD, PO Box 15156, Wilmingto% DE 19886-1002. You agree to assist us in determining the fact relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require In connection with our investigation. If you have enrolled in an automatic billing arrangement, such as a monthly gym membership, and wish to continue the automatic billing arrangement, you must provide the merchant with your new Account number. CREDIT UMTFA11AILABLE CREDIT. We will advise you of your Account credit limit We may impose a louver limit that will apply to cash advances, referred to as the cash advance credit limit We may also Impose a louver limit that will apply to balance transfers, referred to as the balance transfer credit limit You agree riot to allow your unpaid balancer including Finance Charges and fees, to exceed your Account credit limit. if you exceed your Account credit limit we may request immediate payment of the amount by which you exceed your Account credit limit We may increase or decrease your Account credit limit, your cash advance credit limit, or your balance transfer credit limit without notice. The credit available for your use may, from time to time, be less than your Account credit limit For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we -3- receive. Your available credit will not be increased by the amount of any credit balance. PROMISE TO PAY. You agree to pay us in. U.S. Dollars for all purchases, cash advances and balance transfers including applicable Finance Chargas and other charges pr fees, incurred by you or anyone you authorize or permit to use )w Account or a Card, even if you do not n?otiffyy us that others are using your Account or a Card. We will convert purcfiasa and cash advances made in a foreign currency to US. Dollars at the rate we are dinged on the date of conversion. If you pay us In other than US. DoRasr we may refuse to accept the payment or charge your Account our cost to CCriYert your payrtner to U.S. Dollars. All checks must be drawn on funds on deposit In the U.S.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account If Account is a joint Account, each of you. agrees to be liable i ividu and jointly for the entire amount owed on your Account We can accept left payments or partial payments or checks and money orders marked. 'payment in full' or whh any other restrictive erfdorsement hNI#h01lt losing any of our right under this Agreement. MONTHLY BILLING STATEMENT. We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credit posted to your Account during the billing period. It will show your New Balance, Minimum Payment Due and Payment Due Date. MONTHLY PAYMENT OPTIONS. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due. All payments must be made in accordance with the terms, Including the payment cutoff time, stated on your momhy billing statement, and we will credit your Account in accordance with those terms. in addition, we reserve the rigght to change y those terms without prior notice as pemsimd by law. We will applg payments and credits to the New Balance shown cn your current billin statement in order of the Annual Percentage Rate applicable to the balance of each transaction category (as referenced in the Periodic Finance Charges Sectiongenerally from lowest to highest inning with the balance subject to the lowest Annual Percentage Rate. e then apppl?yy eats and credits to aanhyy new transactions using the same me'thoiwvever, we have the night to apply, payments and credits to balances with higher Annual Percentage Rates prior to balances with lower Annual Pa a Rates, such as when there are two initial special rates applicable to your Account and the lower Annual Percentage Rate will expire before the higher Annual Percentage Rate. MINIMUM MONTHLY PAYMENT. The Minimum Payment Due each month will be the greater of (1) $15 or the New Balance if the New Balance is less than $15; or (ii) any amount past due plus the greater of (a) 2% of the New Balance (excluding current Period Finance Charges, Late and Overlimit Fees) or (b) current Period Finance Charges plus late and Overlimit Fees pun 15 (not to exceed 3% of the New Balance), with (a) and (b) rounded up to the nearest dollar. However, the Minimum Payment Due will never exceed the New Balance. In calculating the Minimum Payment Due, we may subtract certain fees added to your Account during the billing period. We may also include in your Minimum -4- month as the change in the Prime Rate. An Increase in the Annual Percentage Rate will usually result in an Increase In your Minimum Payment Due. DEFAULT RATE PLAN. We will review your Account on the last day of each billing period to determine the Annual Percentage Rates that will apply to your Account. If we did not receive at least the Minimum Payment Due by the Payment Due Date, then the standard ANNUAL PERCENTAGE RATE for purchases will be increased by five percerh#age points, not to exceed 28.99%, and remain as either a fixed or variable rate based on the type of rate in effect before the increase. In addition, arty special rate on balance transfers and any introductory or promotional rate on purchases that curren applies to your Account, and any such rate that we have previously offered to you, will terminate and increase to be the same rate and change to be the same type (fixed or variable) as the new standard Annual Percentage Rate for purchases. If any other Annual Percentage Rate applicable to your Account, such as your Annual Percentage Rate for cash advances, Is less than or to the new standard Annual Percentage Rate for purchases, it will ualge to be the same type (fixed or variable) as the new rate and If it is less, it will increase to the new rate. If any rate exceeds the new rate, it will not increase or change type. The Prime Rate is the index for any variable rates. A increased rate and change In type will apply beginning with the first of the billin hg period in which we did not receive at feast the Minimum ayrnent Due by the Payment Due Date. If your standard Annual Percentage Rate for purchases was increased under this or an y prow. versan of the Default Rate Plan and, for any nine consecutive Ibi ling periods ending after April 1, 2006, you pay at least the Minimum Payment Due, If any, by the Payment Due Date, therh your Annual Percentage Rate for your Whew purchases will be reduced and your-Annual Percentage Rate for your existing purchase balance may be reduced. Any reduced Annual Percentage Rates will apply beginning with the first day of your tenth billing period. CASH ADVANCE TRANSACTION FEE FINANCE CHARGES. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee Finance Charge R 3% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $5.00 and no maximum. The Imposition of Cash Advance Tramschpn Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee F nce Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the biding period charged under this Section to any Periodic Finance Charges ca uleted under the Periodic Finance Charges Section for each cash advance transaction category and add up these amounts. BALANCE TRANSFER TRANSACTION FEE FINANCE CHARGES. If the balance transfer offer you receive contains a Balance Transfer Trans- action Fee Finance Charge, we will charge you a Balance Transfer Transaction Fee Finance Charge forthe amount of each balance transfer made under that offer. If there Is a Balance Transfer Transaction Fee Finance Charge in conjunction with the offer you received when you applied for an Amain; it will be in the amount set forth in the Pricing Schedule. The imposition of Balance Transfer Transaction Fee Finance _7_ Charges may result in an Annual Percentage Rate for balance trarr fem that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add arty Balance Transfer Transaction Fee Finance Charges calculated under the Periodic Finance Charges section for each balance transfer trans- action category and add up these amounts. MINIMUM FNANCE CHARGE. We will charge you a minimum FINANCE CHARGE of .50 for arty billing period in which some FINANCE CHARGE of less than 3.50 would otherwise be imposed. LATE FEE We will charge you a Late Fee If you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the late Fee 6 based on the sum of all outstanding purchases, cash advances, balance transfers, other dharg?, other fees and Finance Chars at the and of that billing period ff the sum Is equal to or less than f500, the late Fee is 3151 and if the sum b greater than $500, the late Fee is $39. OVERLIMIT FEE. We will charge you an Overlimit Fee each time that, as of the dose of a billing period, your outstanding Account balance exceeds your Account credit limit. This fee may be charged even if the transactionswhich causes you to exceed your Account credit Omit is authorized by ns or if you exceed your Account credit limit due to the posting of Finance Charges or fees to your Amount The amount of the Ovedimit Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and finance Charges at the end of the billing period, 0 the shun is equal to or less than $SW and you exceed your credit limit, the Ovefimit Fee is $15. If the sum is greater than $500 and you exceed your credit limit, the Overlimit Fee is $39. RETURNED PAYMENT FEE. We will charge you a Returned Payment Fee of $35 each time you pay hs with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit amount from which you have authorized us in writing, electronically, or orally to periodically deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the fist time any payment is returned unpaid, even if it is paid upon resubmission. RETURNED DISCOVER CARD CHECK FEE We will charge you a Returned Discover Card Check Fee of $29 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. STOP PAYMENT FEE. We may charge a Stop Payment Fee of $15.00 each time we stop payment at your request on a cash advance check, balance transfer deck, promotional purchase check, or other promotional check. PAY-BY-PHONE FEE. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will charge a Pay-by-Phone Fee of $15 for each such transfer or payment RESEARCH FEE We may charge you a Research Fee of $5.00 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT-ACCELERATION-COLLECTION COSTS. You are in default if you become insolvent; it you file a bankruptcy petition or have one filed against you; H we have a reasonable belief that you are unable or Payment Due all or a portion of the amount by which your outstanding balance exceeds your Account credit limit as of the last day of the baling period. Paying the Minimum Payment Due may be Insufficient to bring your Amount balance below your Account credit limit and, consequently, may not avoid the imposition of an additional Overiimit Fee described in the Overrimit Fee Section. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with this Agreement, and ?u must pay the Minimum Payment Due for the following billing periock. CREDIT BALANCES. We will refund any credit balance within seven business days from receipt of your written request. if you do not request a refund, we will automatiwflyrefund credit balances greater than $1.00 that remain in your Account after 6 months. BALANCE TRANSFERS. We may periodically offer you the opportunity to transfer balances from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain an Initial sp? I rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rate Plan Section, and may contain a Balance Transfer Transaction Fee Finance Char for each balance transfer made during the term of the offer, as disc used in the offer and as set forth in the Pricing Schedule, if applicable. After the expiration of this time period, the Annual Percentage Rate that applies for purchases will apply to transferred balances. Balance transfers subject to the initial spedai rate are referred to as special rate balance transfers; balance transfers for which the initial special rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. PERIODIC FINANCE CHARGES. Periodic Finance Charges are Imposed on all transactions from the date the transaction is 0mmaekon your Amount until the date you pay your entire New Balancipayments or receiving credits. However, iif you paid the New Byour previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on your current billing statement, we will not impose Periodic Finance Charges on new ppuurchases that is, purchases first appearing on the current statement Wa caB this the " ace period.' There Is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the and of each billing period, we compute balances and Periodic Finance Charges for each daily of the billing period for each transaction category. We use the follow ng equation to compute Periodic Finance Charges for each transaction category: Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (You may refer to the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction -5- category to get the total Periodic Finance Charges for your Account The Average.Dally Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the two-cycle average daily balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means if you did not pay the New Balance shown on the billing statement you received during the previous billing period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement, as well as new purchases that first appear on the current billing statement, unless we already imposed Periodic Finance i Charges on the purchases on your previous billing statement. We compute the Average Daily Balance for each transaction category by adding up all the daily balances In a billing period for a transaction category and dividl the total by the number of days in the billing cycle. We compute the dais balance for each transaction category on each day by first adding the following to the previous day. doll.p balance: transactions made that claw fees charged that day and Perodk Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In callculating the doll balance for the previous billing period, we consider the 'previous day daily balance" to have been zero on the first day of the billing period. If a transaction is posted to your Account after the dose of the billing period in which it occurs, we will treat the transaction as having occurred on the first day of the billing period in which it is posted to your Amount All fees charged to your Amount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable rash advance transaction category and Balance Transfer transaction Fee Finance Charges which are added to the applicable balance transfer transaction ca When the special rate expire; we move the unpaid balance of the 6alince transfer and the Balance Transfer Transaction Fee Finance Chaves to the standard purchase transaction category. However, K the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. The Daily Periodic Rate and corresponding Annual Percentage Rate that apply to each transaction category are either faced rates or variable rates asset forth in your Pricing Schedule or marry special offers ou receive from us. The Daily Periodic Rate is 14365th of the correspond ng Annual Percentage Rate. Variable Annual Percentage Rates are determined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as 'Prime + (percentage points).* For purposes of this Agreement, die Prime Rate is the highest rate of interest lis tel as the prime rate' in the Money Rates section of The Wall Street Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate chaff. This charge will be effective beginning with the first day of the billing period that begins during the same -6- unwi[Nng to repay your obligations to us; If you are declared incompetent by a court or If a court appoints a guardian for you or a conservator for your assets; if you die; If you fail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your Account credit limit or using your Card or Account for a Prohibited Transaction; or R you fail to make a required payment when due on mother account you have with us. If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys' fees and court or other collection costs as permitted by law and as actually Incurred by tm including fees and casts in connection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. CANCELLATION. You m cancel our Account noy,ng us in writing or byy telephone and re urning or destroying eevery (aid and unused d?edc that we have provided you. Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. If your Account is a joint Account, either Cardmember may cancel the Accourut, butyou will both remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Amount at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. PRIVACY. We respect the privacy of information about you and your Account. Our Privacy Policy Includes a summary of the personal infor- mation we collect, when it may be shared with others, how we safe- guard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement As indi- cated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover Card, PO Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. We may from time to time review your credit, employment and income records Our personnel may Listen to or record telephone calls between you and our representatives without notice to you as permitted by law. We may use any medium, including but not limited to mail, Irve telephone calls, automated telephone equipment prerecorded tele. phone calls, and a-mail to contact you about your Account or offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, call us at 1800 DISCOVER or write to us at Discover Card, P.O. Box 15354, Wilmington, DE 19850. We provide various methods by which you can obtain Information about your Account. We will only release such Information to you, any Authorized User that our records indicate is an authorized buyer on your Account and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security measures cannot insure against unauthorized inquiries You agree that -9- we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristics about you such as your personal identification number, Account number or social security number. ELECTRONIC COMMUNICATIONS. We may offer you the opportunity to receive cataln notices from us electronically rather than through the mail, inducting monthly billing statements and charge of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. CREDIT AUTHORIZATIONS. Certain transactions will require our authorization prior to completion of the transaction. In some arses, you may be asked to provide Identification. We have the right not to authorize a transaction for security or other reasons Also, R our authorization system Is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. CHANGE Of TERMS. We may dwnge any term or part of this Agmem nt, Ion , but not limited to, any finance dnarge rate, fee or method of conr?ig any balancee upon which the finance charge rate Is assessed, or arry'inew term or part to this Agreement If required by law we will send you a written or eiecbonically delivered notice at least 15 days before the change is to become a ff acdve. We may apply an sudr change.to the outstanding balance of your Account on the effective date of the change and to new charges made after that date. You may be offered the oppatu y to nject some of the changes, and if you do, you must notify us kn writing or ehctro Ilc lly WNW 15 Is after the mailing of the notice of change at the address provided in the notice of change, In which case your Account will be dosed and you must pay us the balance that you owe us under the exit terms of the unchanged In the nnordce.UUse of?yourvAcc aunt atr tithe effecti- ve daft of the =go will be deemed acceptance of the new tams as of such effective data, even If you p vAously notified us that you did not agree to the change. We may also dame any term of an service, or benefit offend in connection with your Account We vv iwtity you as required by law or by the terms of the product, service, or benefit. CHANGE OF ADDRESS OR TELEPHONE NUMBER. 4 you change your address or telephone number you must notify us of your new address or telephone number within IS days. ASSIGNMENT OF ACCOINIT. We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. CLAIM NOTICES. In the event that you or we have a claim that arises from or relates to your Account any prior amount you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement before initi- ating, joining or partiapatnng in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding°), the cornplalnknt? partX shall ghre tlue other parEy: in a written notice of the claim ("Claim Notice°) at least i5 days before lnitiatirxf any Proceeding, explaining in reasonable detail the MaIr e of the im arr??rtpofareasonaity trolve the claim the necessity of a ng. is includes ny dairn>s involvassn parent crporation, ies, affiliates (inducting wit h _ 1p- out limitation, Discover Financial Services LLQ, predecessors, successors, asstgr?, as well as the officers, directors and employees of each of these entities Arty Claim Notice shall be sent to us at P.O. Box 8040, Hilliard, Ohio 43026 (or such other address as we shall subsequently provide to you) Me 'Claim Notice Address') or to you at your address appearing in our records or, it you are represented counsel, to your attorney at your attorneys office. ARBITRATION OF DISPUTES. In the event of any past, present or future claim or dispute (whether based upon contract tat, statute, common law or equity) between you and us ar(sing from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVETHE RIGHTTO LITIGATE THATCLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ('Class Action Waiver'). Notwithstanding anything else to the contrary in this arbitration provision only a court, and not an arbitrator, shall determine the wall- and ehect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit, and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your states equivalent court if any, so long as the claim 4 pending only in that court and does not exceed K000.W. Your Account involves interstate commerce, and this provision shall be governe a by theeFederal Arbitration Act (FAA). The arbitration shall be option of whoever files the arbitration claim, by either the American Aif * Ion Association (" or the National Arbitration Forum (NAF) in accordance with their procedures in effect when the claim is filed For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Avenue, Floor 10, New York, NY 10017-5905, (phone 1.800.778-7879) or NAF at P.O. Box 50191, Minneapo u, MN 5n65 (phone 1-800474-2371). No other arbitration forum will be permitted, except as agreed to pursuant to either the Change of Terms section or a writing signed by both parties. Unless oriented to by all parties, no arbitration may be administered by any administrator that has any formal or Informal policx rule or pro- cedure that is inconsistent with or purports to override the terms of this section. At your written request we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to P.O. Box 15192, Wilmington, DE 1906- 1020. The arbitrator will decide who will ultimately be responsible for paying ose fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you _1t_ would have been responsible for paying 'attorneys' fees and court or other collection costs had the action proceeded in court. in no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable taw Any arbitration hearing vvill take place in the federal judicial district where you reside. The arbitrator shall follow appliable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted the substantive laws that would apply ff the action were pending in court. if requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrators decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $100,000.00, airy party may appeal the award within 30 days to a three-arbitrator panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon arry award by the arbitrator may be #hforced in any court having jurisdiction. Our rights and obligations under this arbitration provision shall Inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates pncludirg, without imitation, Discover Financial Services LLQ, predecessom successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with arty of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. This arbitration provision shall survive termination of ur Account as well as voluntary payment in full by you, any Q al proceedings by us to collect a debt owed by you, arry bankruptcy by you and any sale by us of your Account. SEVEIWBILITY. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Acton Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. COMPLIANCE WITH INTEREST RATE LIMITATIONS. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. If it Is ever finally determined that, but for this Section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that y' have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a chedr in our diwetion. GOVERNING LAWN. This Agreement and any claim or dispute arising out of this reement will be extent state law applies Delawarelew plcsllile federal law and, to the -12- PRIVACY POLICY We Respect Your Privacy Our mission ls to provide you with superior products and services, alongg with the peace of mind knowing that that the security of your personal Information a our top priority. We understand your concerns about guarding information about you and your Account We want to azure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. It includes a summary of the following Important Information: • A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Pocky carefuly. it will help you understand hour we collect and share information. 1. What Poroonof Information Do We Collect? To serve you better and nonage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us from your dealings with us and others, from consumer reporting agencies and from other sources such as our Web sites. For example: • We may obtain Information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain information such as Amount balances, payment history, your use of your Account and the types of services you prefer from your transactions; and other dealings with to and others. • We may obtain information such as the belwm of your loans with other [ended and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provides; your email address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared With Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer tat amepts the Discover* Card rtay come to us with a special offer for Carrkrmembers, such as a tkscourt oxrt&ate or product upgrade.. After prefer consideration of the nature of the offer and the comparhx we will ueate a list of Cafdmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to tho>Se Garkrmembers on behalf of the retailer , for example, including an Insert in their monthly billing statement or ma91ng the offer ourselves. We control the information used to make the offer we do not share the list or any Information about our Cardmembars with the retailer. However, please understand tat 'f you do receive this type of offer from us is;3 choose to take advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, however, dramutances in which we may share the information _13_ we collect about you, as described in Section 1, with other companies in order to provide you with access to proxlucts and services and to service your Account eftectiv* as detailed below. We require these companies to adhere to our privacy standards and to use this information only for the limited mrrpose for which it was shared We do not allow them to disclose it to others without our prior approval, a. Sharing Personal Information with Our Corporate Family we are part of the Morgan Stanley family of companies, our cc to family offers a wide variety of products and services that can heyou manage your finances. In order to provide you with access to these produces and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer mortgage lending services, securities and asset manaaerhem services, investment opportunities and mutual funds, and may include non--financial service providers in the future as our corporate family continues to grow b. Sharing l information with Non-Affiliated Parties for Marketing Rapow We may share the information we collect about you, as described in Section 1, with nonaffiliated third parties including those that accept the Discover Card, in order to provide you with access to products and services offered directly bhr these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and iron-financial companies, such as retailers. c. Sharing Personal Information with others We may share the Information we collect about you, as described in Sections 1, with companies that perform support or marketing services on our behalf, such as malting, market research and data processing; other financial institutions with which we have nt marketing agreements, or companies that are our partners for cog, nd ore& card programs or reward law. programs. We may also share such information as permitted by w 3. Mow Do We Protect The Confidentlailty, Security and kmtegrity Of Infomaton About You? We rm n--in physical, electronic and procedural safeguards to protect the information we co4ect about you. Access to won irmfoitmation is restricted to individuals who need it in order to service your Account or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirernerts are subject to our disupliiory process. Where third parties provide support services, we require them to conform to our privacy standards. It a importani that the information we maintain about you is accurate and complete. if you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inacurate, pleam write to us at Discover Card, P.O. Box 311443, Salt Lake Gtyy UT 84130-0943 so trot we can update this information. 4. How Can You Ummit Sharing Of Information About You? We respectyor privacy and offer you choices as to whether we may share ii>foxmation about you with others. You have the option to tell us not to share the information we collect about you, as described In Section 1, with nonaffiliated third parties. You also have the option to tell us not to share certain information we collect about you, as described in Section 1, with companies In our corporate family. However, this option ls limited to information about your eligibitcty for credit obtained from your -14- application, such as your income, and from consumer reporting agencies, such is your credit history. If you Indicate a preference for either of these that you may not receive offers far products aiiidi servkes provided by other companies that could help you lower your costs, maximize your financial resources or manage your finances. To indicate your preferences, please call us at 1-800.2255202 or write to us at Discover Card, P.O. Box 30961, Salt Lab City, UT 84130.0961. If you have pnvkx* notified us abort your privacy preferences, it Is not n to do so again unless you decide w your preferences Your n request should in dude your name, address, telephone number and Account number(s) and should not be sent with airy other correspondence. In order to process your request, we requee that the request be provided by you directly and rat through a third party. You will need to provide us with you preferences for each credit card account you have with us. You notify us about your preferences at any time. Your request will request remain effect until you notify us otherwise. We will honor your and not share this to of rmation exce=aspen itted by law. For example, federal law permits is to share in about you with consumer reporting agencies, service providers and financial institution with which we have lomt marketing agreemem it also permits us to share information about our experiences and transactions with you, suds as your Account balance and payment history with us, with other members of our corporate family. If you are a new Cardmember, we will rat share any information about you, except as permitted by law, forthirty days after we provide this Policy to you in order to give you an opportunity to Inform us about your preferences. If you are an existing Cardmember, please from other companies That were already in production prior to the processing of your request. This Pr icy Policy is provided to the pnmerry Cardmember listed on the Account FtaNwever, any joint Cardmernber has the right to notify us about preferences and we Will treat that request as applying to the entire Amount. We do not share information about former customers, rapt as permimd by law. This ratification supercades all previously issued Privacy Policies. We reserve the right to amend this Privacy Policy from time to time and we will notify you if we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which curendy it dude GTC Insurance Agency, Inc and Discover Products Inc it applies to the family of Discover Cards for consumem and the te Wallet ?Protect? aofferen registtr anion service ( the exceptiolen of arry information registered In connection with the service, which will not be shared). It is part of your Cardmember Agreement and provides a further explanation of how we collect and share Infoorrmmaatti You may have other rigghts under state laws that appppyto this information. Please rote that you w71 also receive privacy notices for other credit card accounts you have with us as well as other financial products and services provided to you us and our affiliates. You will need to Indicate your preferences for of these separately as disclosed in the notice. Vermont Residents - Your state taw requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 1.800-DISCOVER and authorize us to do so. -is- California Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with non- affiliated third parties. Except as permitted by lag we will not share information we collect about you with no "ifillated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important Information about your rights and our responsibilities under the fair Credit Billing Act. L Notify Us In Case of Emars or Quesdons About your ONE If you think your bill 6 wrong, or if you need more Information about a transaction on your bill, write us on a separate sheet of paper at the address listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we set you the first bill on which the error or problem appeared. You can telephone ice, but doing so will not preserve your rights. In your letter, give us the following information: • your name and Account number. 6 your dollar amount of the suspected eroc • describe the error and explain, if you an, you believe there is an tT' item you are. not sure error. If you need more Information, describe about. If you have authorized us to pay your credit card bill automatically from your savings or dreddng amount, you an stop the payment on airy amount you think 6 wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. 2 Your and Our ResImsdnrNda After We Receive Your Written We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter we cannot try to collect any amount you question, or report you as delinquent. We an corrtleue to bill you for the amount you question, including finance charges, and we an apply any unpaid amount against your Account credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance dirges related to anyr questioned amount If we didn't make a mistake, you may have to pay ffie finance ch and you will have to make up any missed payments on the gkamount In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we, may report you as delinquent However, if our explanation does not satisfy you and you write us within tern days telling in that you still refuse to pal, we must tell anyone we reportyou to that you have a question about your bill. And, we must leis you the name of anyone we reputed you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the frost $50 of the questioned amount, even if your bill was correct -is- I SMW Ruts For Credit Card Pu diem If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limftatlons on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must, have been more than $50. These limitations do not apply I we own or operas the merchant or if we nailed you the advertisement for the goods or services. DESCRIMON OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE. Discover' Titanium Cardmembers are provided with up to $15%000 Scheduled Air Travel Accident* protection. Whenever you use your Discover Titanium Card (the 'credit card') to charge your entire Common Carrier Fare Ticket on any Commercial Aircraft operated by a Scheduled Air Carrier under a license for the transportation of passengers for hire (herein called Scheduled Air Carrier), you automatically receive this valuable coverage at no addiitiorial cost. The benefits of the Policy providing your coverage are governed primarily by the law of a state other then Florida. *Coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, PA (the 'Insurance Company"), with offices in New York, NY. Certain limitations and exclusions apply. PLAN FEATURES Benefit Amount: $150,000 Family Aggregate Principal Sum ACCIDENTAL DEATH BENEFITS. Insurance overage will be equal to the benefit amount for accidental loss of life. The loss must occur within one year of the accident that caused the Injury. Family Aggregate Principal Sum means the total amount of insurance in force on the Cardmember, his or her space and their dependent children for any one accident. If more than one Insured Person dies as the result of the injuries received in any one accident, the Family Ag Principal Sum will be prorated and paid in accordance with the m dayment and beneficiary provisions of the Policy. Once the Family Aggregate Principal Sum s paid for any one Insured Person in a Family that occurs as the result of any one accident, no further benefits are payable for further deaths in that Family due to Injuries received in the same accident. Maximum Accidental Death benefits payable under the Policy if more than one Cardmember suffers a loss from the same accident, are limited to an aggregate of $20,000,000 for all Cardmembers combined. Any reduction of benefits necessary to comply with this limitation will be made on a proportionate basis to each Cardmember up to this aaggggr limit of liability As used herein, Cardmember means cardrnember, his or her insured sparse and insured dependent children. This aggregate limit does not replace or in any way affect the Family Aggregate Principal Sum stated under the Policy. 'Injury' means bodily injury: (a) which is sustained as a direct result of an unintended, unanticipated accident that is external to the body and that occurs while the injured person% coverage under this Policy Is in force, and _17_ (b) which directly (independent of sickness, disease, mental infirmity, bodily infirmity or anyodw cause) causes a covered loss. DISAPPEARANCE BENEFITS. We will presume you suffered loss of life due to an accident It you are riding in a Scheduled Air Carrier that is Involved in a covered accident and as a result of the aaident, the Scheduled Air Carrier is wrecked, sinks, or disappears, and your body is not found within one (1) year of the accident. The total of all benefits payable for you, your spouse and your dependent ddWrern from the same accident wil not exceed the $150,000 Family Aggragate Prbdpal Sum. WGIIIIIIiLI Y. This automatic insurance is provided to eligible holders of the credit card whose names appear on the credit card, their spouses and their unmarried dependent children under age 19 (ae 23 if attending school on a full-time basis and {?y dependent on you for support). However, the age limit does not apply fo a child who is incapable of self-sustaining employment by reason of mental or physical incapacity. EFFECTIVE DATES. You Insurance under this plan is effective on the later of. 1) July t, 2001- or 2) the date you become an eligible person. Your Insurance under" plan will cease on the earlier of, 1) the date the insurance average is terminated; or 2) on the date you cease to be an eligible holder of the credit card THE BENENCIARY. Unless you designate otherwise with a beneficiary designation form, your death benefit will be paid, in equal shares, to the first surviving doss of those that follow. (1) you spore, (2) your children; (3) your parents,; or (4) your brothers and sisters. if no class has a survivor, the beneficiary s your estate. You may change your beneficiary by writing to the Insurance Company at: Accident & Health Division, 500 West Madison Street Suite 2250, Chicago, IL 60661. CLAIM PROCEDURE. Claim forms may be obtained through the insurance Company. Claim for benefits wrist be filed with the insurance Company within 90 days or as soon as reasonably possible after the loss occurs. PLAN OF INSURANCE COVERAGE. You, as a Cardmember, and your and children will be covered against injuries that result in an entai death while as a passer in or on, including getting in or out of or on or off of, any 5dwduled Air Carrier if the Common Carder Fare Ticket for the flight was charged to your credit card. Companion tickets issued for free with the purchase of a full-fare common carrier ticket and used a or d?endent child will be considered as fully charged to they ft card, ff the corresponding full Common Carrier Fare Ticket is charged to the credit card. Coverage is effective when you board the Scheduled Air Carrier, provided the full Common Carrier Fare Ticket is purchased, or the travel reservation is made for the companion tickets, prior to boarding such Scheduled Air Carrier. Coverage ands when you alight from the Scheduled Air Carrier. EXCLUSIONS. Benefits arc not payable If the lass is caused by or results from: 1) self=inflicted injury or suicide 2) sidmes, disease, or mental incapacity or bodily infirmity whether directly or indirectly; 3) infections of any kind regardless of how contracted, except bacterial infectious that are d mused by botulism, ptomaine poisoning or an accidental cut or wowed independent and in the absenceof any undedy'm sickness, disease or condition including, but not limited to diabetes; 4) committing or attempting to commit a 5) war or act of war, declared or undeclared; or (6) travel or fl it in or of any vehicle used for aerial navigation, as a pilot operator or am member. _18- LIMITATIONS. Benefits will only be payable under one Cardmember account, the credit card under which the Common Carrier Fare Tickets were fully charged Bene% are not payable for losses due to injury sustained while on a trip for which the tickets were purchased with a frequent flyer voucher. Complete pprovisions pertaining to this plan of insurance aze contained in P(liccyy Lr9029072 issued by National Union Rre Insurance Company of Pittsburgh, PA wish office in New York, NY. The premium for this insurance is paid by Discover Financial Services tlC out of income derived from its credit card operations Please read this Description of Coverage. Keep it in a safe place with your other insurance doamersts This Description of I (Form Number S30365DOQ is not a contract of insurance but is Sim an informative statement to each eligible individual of the prindpa provisions of the insurance while in effect If a conflict exists between a statement in this Description of Coverage and airy p?visions In the Policy, the Poky will govern. Claims administered by.. A&H Claims Department P.O. Box 15701, Wilmington, DE 19850 5701, (B00) 551-0824. SECONDARY RENTAL CAR COLLISION COVERAGE PROVIDED TO DISCOVER TITANIUM CARDMEMBERS DESCRIPTION OF COVERAGE. COVERAGE DESCRIPTION: • Secondary Rental Car Collision Coverage will reimburse You or the Rental Agency for Covered Damages as a result of Collision Damage on an exce? base (over and above any amount due from any other valid and collectible insurance or any other form of reimbursement le by those responsible for the loss) on a secondary basis. Covered amages are those amounts, up to $25,000 per incident, on claims for Collision Damage to the Rented Automobile for which You or any authorized driver is leggy responsible to the Rental en In no event will We be liable beyon the amounts actually paid either You or the Rental Agency. HReimbursement will be on an Actua Cash Value basis. • From the amount of reimbursement due, the amount of any valid and collectible insurance, or the sum of $0 (whichever is greater), shall be deducted. DEFINITIONS: • Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of Collision Damage, less depreciations. • Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. • Eligible Card means the Discover Titanium credit card. • lass of Use means the charges imposed by the Rental inky, for which You are liable, due to Callas Damage to the Rented lie, for the period of time the vehicle Is being repaired • Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. • Rented Automobile means a four-wheeled privatepassenger type motor vehicle or a mini-van manufactured and deli to transport a maxi. mum of eight passengers and used exclusively to carry passengem it must be designed for travel on public roads and rented from a licensed Rental Agency. _19_ • We, Us and Our means Virginia Surety Company, Inc. • You or Your means the eligible Cardhokkr, hereinafter referred to as Cardmember, his or her spouse, and unmarried children under the age of 19 (or age 23 if a full-time student at an accredited college or ursine Spam includes domestic partner, which means a person designates and Bsted as a domestic partner on the account of the primary Ca member who Is at least 18 years of age, and who during the past 12 months: a) has raided in the same household as the primary Card. member, and b) has been join* responsible with the Cardmember for each other's financial obligations. HOW TO GET COVERAGE: • initiate and pay for the entire rental transaction with Your Eligible Card. If a coupon or voucher of an kind Is initialy applied toward payment of at least one day of rental must be charged to Your the Rented Eligible Card; Automobile, and d • Decline the colItionlloss damage walver offered by the Rental Agency, and • You must rent the car In Your own name and sign the rental car contract. Coverage does not apply If You pay for someone else to rent the car. • it 6 not necessary for You to notify Us at the time of rental. WHO IS COVERED: • You WHERE YOU'RE COVERED: • Coverage is available in the fifty (50) United States of America and Canada. Coverage is not applicable where precluded by law or In violation of the territory terms of the rental agreement or prohibited by individual merchants. PERIOD OF COVERAGE: • Coverage begins when You pick up the car and ends when You turn it in to the itenta Agency. • The period of coverage shall not exceed thirty-one (31) consecutive days. EXCLUDED RENTAL VEHICLE • Trucks; recreational vehicles; camppeerrs? pickup trucks; minibuses; full-size ve s mounted on truck cha* vehides manufactured to seat more than e ht occupants; vehicles when used to carry , haul or transport any type o cargo or property; off-road vehicles; trailers; motorbikes; motorcyclesand motor scooters; antique motor vehicles (which means vehicles over 25 years old or any vehkle which has not been manufactured for 10 years or more); limousines; high-value motor vehicles (those whose replacement value exceeds $S%W0p. limited-edWon motor vehicles (which are high-value, exotic, high ante or collector-type vehicles); spedal kbrest or exotic cars nclu ding Aston Martin, Bentley, 8riddln, Daimler, Det oe?, Excalbur, Ferran, lessen, Lemborghini, Lotus, MIWM Porsche, Rolls Royce or similar vehicles, selected models of BMW, Mercedes-Benz, Cadlllac, and Lincoln). WHAT IS MH COVERED: • Coverage 6 not all-inclusive, which means it does not cover such things as personal injury, personal Babilit% or personal property. In other words, it does not cover You for damage to someone else's vehicle, or property, Your property or personal property inside the vehicle. R does not cover You for any injury to any party. _Zq_ • Losses resulting from any did wst, fraudulent or criminal act • Loss resulting from forgery. • Loss that occurs while You are in violation of the Rental Agreement • Loss due to driving while intoxicated (as defined by the laws of the jurisdiction where the lass occurred), or under the influence of any narcotic urdess prescribed by a physician, reckless driving, or due to contraband or illegal activities. • Intentional loss or damage. • Loss resulting from hostility of any kind (including declared war, undeclared war, invasion rebellion, riot, civil commotion, or insurrection) or confiscation 6y authornees. • Loss due to nuclear reaction or radioactive contamination. • Loss as a result of hail, lightning, flood, earthquake, windstorm, water, or other weather-related causes. • Loss resulting from fallirg objects, fire, theft or larceny, explosion, malicious mischief or vandalism. • Loss or theft of personal belongings. • Loss caused by someone other than You. • Loss due to wear and tear, gradual depreciation, freezing, mechanical or electrical breakdown or failure. • Blowouts and fire damage unless the loss is coincident with a covered loss. • Depreciation, administrative, Loss of Use, or other fees charged by the Rental Agency. • A single rentaftntract of more than thirty-one (31) consecutive days. • Back-to-back rentals for more than thirty-one (31) consecutive days (a back-to-back rental 4 two or more rentals of the some or different vehicles within the same dty, with the first ending and next beginning within a 24-hour period). • Leases or mini-leases. • Expenses assumed, waived, or paid by the Rental Agency or its insurer. • Any obligation You assume under any agreement (other than the standard rental car agreement). • Loss resulting from an authorized driver's lack of reasonable care in protecting the Read Automobile before or after the loss occurs including, but not limited to, mysterious disappearance of the rental car keys, leaving the rental car running while unattended, etc • Damage sustained on any road not regularly maintained by a municipal, state, or federal entity. • Loss or damage resulting from use of vehicles unlicensed for road use. • Experses reimbursed by your insurer, employer, or employer's insurer. • Loss resulting from use of the Rented Automobile in tests, races, or contests. • Loss resulting from use of the Rented Automobile to carry passengers and property for hire. • Losses occurring in states or countries where prohibited by law. • Losses not reported within the time period provided, as stipulated in the claim procedure. • Coverage will not pay for, or duplicate, the collisionAoss damage waiver offered by the Rental Agency. -21- HOW TO HLE A CLAM • After Collision Damage occurs„ You must contact the administrator, Aon Innovative Solutions, P.O. Box 220, Golden, CO W402, so coverage can be verified and a claim form sent to You. You must report any Collision Damage within 45 days of the incident, or We will not be able to honor Your claim. • Report within 24 hours any damage or loss to the appropriate official representative, including the police and Rental Agency. • Complete and sign the claim form and attach all appropriate documentation, including a copy of • The account statement showing the Rental Agency transaction; and • The automobile rental agreement (front and back); and • The police report and • The initial claim report submitted to the automobile Rental Agency; and • The paid claim presented by the Rental Agency for the Collision Damage for which You are responsible; and • Proof of submission of the loss to and the results of any settlement or denial by the applicable insurance carrlerW; and • If no other insurance is applicable, a notarized statement from You to that effect; and • An other daaanentation We may request • Be sureto submit all above required documentation to the administrator within 180 days of the incident, or as soon as reasonably possible, or the claim will not-be honored. • it Is a condition of this coverage that You, as often as may be reasonably required by Us, will submit, and within Your power cause others to submit, to examinations under oath and will pro ud ce for examination all writings books of account, bilk Invoices and vouchers, or certified copies thereof, at such reasonable time and place as We may designate and will permit extracts and copies thereof to be made. • If payment is made under the Secondary Rental Car Collision Coverage, We are entitled to recover such amounts from other parties or persons. Arty party or person to or for whom We make payment must transfer to Us is or her rights to recovery against any other party or person. You must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from You. However; M will not require reimbursement against Your personal insurance carrier, but You agree to Us for any reimbursement, up to the amount of any recovery from Your personal insurance carrier. FOR NEW YORK RESIDENTS: The amounts of insurance set forth in this section are the maximum allowed by New York law. Actual amounts of insurance may be lower under the coverage: • Secondary Rental Car Collision Coverage will reimburse You or the Rental Agenty far Covered Damages as a result of Collision Damage on an euxess basIs (over and above any amount due from any other valid and collectible Insurance or any other form of reimbursement payable by used outside the for Automobile when the Rented when those responsible n d the States, its its t te territories and ppossessions the Eligible Card was Issued to You as an employee of an organization which has provided the Eligible Card for business use, in which case coverage is primary. -22- Secondary Rental Car Collision Coverage is an insurance program. Reminder. Please refer to the Insurance Disclosures section. CDW Wool Insurance Disclosures Secondary Rental Car Collision Coverage Is provided under a master Policy of insurance issued by Virginia Surety Company, Inc (herein referred to as Company). All information in this Description of Coverage (DO() about these benefits Is subject to the terms and conditions of the master poI4 Coverage under Secondary Rental Car Collision Coverage is effective July t, 2001. Insurance benefts are provided to Cardmember atcounthokfers Gndividuals who have an open and active Discover Titanium aedd card aaount) free of charge and enrolknent is automatic This DOC replaces all prior DOCs, program desaiptiorss, advertis'ug andlor brochures by any party. We reserve the right to d>ange the benefits and features of all these programs. Discover Financial Services LLr, or the Company an cancel or choose not to renew the Insurance ca craps for all Insureds If this happens, Discover Financial Services LLC, will ratify the Cardmember aaou tholder at least 30 days In advance of the expiration of the policy or as permitted by law. Such notices need not be given if substantially similar replacement coverage takes effect without interruption and is provided by the same insurer. Insurance benefit will still apply to car rentaiscommenced prior to the date of such cancellation or non-renewal, provided all other terms and condition of coverage are met. The insurance benefit applies to you, the insured, whose cards are issued by U.S. financial institutions. These benefits do not apply if Your Eligible Card privileges have been suspended or cancelled. However, Insurance benefits will still apply to car rentals commenced prior to the date that Your Eligible Card account Is suspended or cancelled provided all other terms and conditions of coverage are met. AN parties are expected to exercise due diligence and prudent judgement to avoid or diminish any loss to the properly insured under this program. Coverage will be void if, at any time, the Grdrnember has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the Cardmember's Interest herein, or in the case of any fraud or false swearsnngg by the Insured relating thereto. No person or entity other than the Cardrrrember shall have any legal or equitable right, remedy, or claim for insurance proceeds andfor damages under or arising out of this coverage. Salvage may be requested by the administrator. If salvage is requeste it must be remitted to the administrator at the Cardmembeu's expense. Failure to remit requested salvage may result In denial of the claim. No action at law or in equity shall be brought to recover on this coverage prior to the expiration of 60 days after proof of lass has been fumished in accordance with the requirements of this DOC ID (M) -23- VIJA.' NCK $123.21 CARD 27 SDSN8A010010077 HOWARD, PATRICIA 162 E LOUTHER ST CARLISLE PA 17013-3027 j $10.00 Enter Amount Enclosed Below PaymentDue Date September 26, 2003 Please make check to Discover Titanium Card or a online a D' rcard com p y . . Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day Visit . Discovercard.com/payments today. PO BOX 15251 111111 Ill 1,IN IIll 1111111111 pa WILMINGTON DE 19886-5251 Address, e-mail or teleone chane? Print above or go to DiscoveFrcard. om9 Print yyourle-mail address to if 11111 rl Ill i rill tell i l l Ill [title lelr l i late 111111 Ill i i 11111111 receive important Account information and special offers. 000001986762010878396001232100000000001000 Discover Titanium Card Account Summary Closing Date: August 27, 2003 page 1 of 1 Account number ending in 3188 Previous Balance $0.00 Payment Due Date September 26, 2003 Payments And Credits - 0.00 Minimum Payment Due $10.00 Purchases + 0.00 Credit Limit $3,000.00 Cash Advances + 0.00 Credit Available $2,876.00 Balance Transfers + 117.22 Cash Credit limit $1,500.00 Finance Charges + 5.99 Cash Credit Available $1,500.00 New Balance _ $123.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Hel You? ? I . Visit Discover.com to pay your bit for no cost, view your p I latest Account information, earn and redeem rewards and more It's your choice - 3 WAYS to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side SaR Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Balance Transfers Jul 29 Jul 29 BALANCE TRANSFER CHECK 0355 $ 117,22 Jul 29 Jul 29 BAL TRANS TRANSACTION FEE FINANCE CHARGE 5.00 APR 9.90% EXPIRES 12/2003 Information For You Simplify and Savel Use your Discover(R) Card to pay off high-rate balances today. You can save money and consolidate your debt into one convenient payment. Call 1.800-353-0942 to see if a Balance Transfer offer is available for you. Discover Financial Services is proud to support this year's Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Help us raise even more money to fund research for a cure by participating in the Walk. A cure is within reach. To learn more, visit Discovercard.com or www.idrf.org. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES QiARGES CHARGES current billing period: 31 days Purchases $0 0.03285% 11.99% V 11.99% $0 none Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0 Balance Transfers $118.73 0.02712% 9.90% F 60.54% $0.99 $5.00 previous billing period: 30 days Purchases $0 0.03285% 11.99% V 11.99% $0 none The rates that apply to your Account are e ither fixed (F) or they may vary (V) as noted above. EIBIT n Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. Bee your Cttdeiember Agreement. Your Cartlmember Agreement contains all the terms of your Account m 0 Lost or stolen cards. Report rmmedlaleyl Call 1.800-847-2983. Z yo yo m trranuctioonN on Vou D lWwr us Case aEsepaarate sheeofofspaper at Disco er Ti[at ium PO.bx 15192WWilm np on, UEu 195192 050., as s oo as p ttYible o We must bear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but o_ doing so will not preserve your rights. In your letter, give us the following information: *Your name and Account number. S The dollar amount of the suspected error. I *Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about You do not have to pay any amount in question while we are investigating, but you are stile obligated to pay the parts Of your bill that are not in question. While we investigate your queston. we cannot report you as delinquent or take any action to collect the amount you question. SpeolN Rule for CrOM Card Prrchase$: IfVou have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct tfia problem with the merchant you ma not have to pay the remaining amount due on the bond'1000, services. You have this protection only when a purchase price was more than B0 and the purc ase was made in your home state or our rn miles of your mailing address. (H we own or operate the merchant or if we mailed you the advertisement for the goods of services, all purchases are covered regardless of the amount or location W purchase.) PaymeMS. Send ony your payment and Ne top portion a/ this statement in Ne envelope providetl. Do not send cash. By sending your check as OescriDe0 aDOw, you aulhonze us to use informaWn on your check to make an eleotonx: fund transfer from your account t the financial institution indicated on your check or to process Ne payment as a check transacUou. If payment is processed as an electronic fund transfer, the transfer will De for the amount o! the check. When we use information from your check W make an elecUOnb fund transfer funds may be withdrawn from your account as soon as the same day we receive Yyoour payment antl you will not receive your check back from your financial insUWtion, The processing o/ your payment may De tlele ed dyou send cash, correspondence w other dams with your Dayment H you send the payment to any other address w tt you use an envelope over Nan the one prwntlad. Payments recewetl on w after t PM Monday through Friday or on a weekend or bank ndidaV will be posted to ur Account as ot Ne next business day H you now misplaced your envelope, send your payment to Discover Bank, PO Box 15251, Wilmin0ton, DE 19886.5251. Please allow 7.10 days !or delivery If your payment is returned unpaiq we reserve the right lo resubmit it as an electronic debit You can paV your mtmmum payment or a greater amount over the lekphone. Call us at 1-800.347.2683. You will need this statement and your bank account information. You must ensure Nat suffiwenl funds are awdaLle m your Dank account antl all transactions must comply with U.S. law. Vou will be asked to provide the Tirst 5 digds of your account statement zip code. By anlerin0o thou numbers ss your electronic signature, you will be agreeing to this authwaalion to a9aw us and your bank to deduct each payment you aulfiorite, in the amount requested by you. from your bank aocoun oatler?o cancel payment we mull ?eceipe not ce at ball three days in ad nee of the scheduled payment Yo may notify us by Credit Reportft We may report information about your account to credit bureaus. Late payments, missed pa?rments. or other defaults on your account may be reflected in i your credit report We normally report the status and payment history of Your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Titanium Card, PO Box 15316, Wilmington DE 19650.5316. Please include your name, address, home telephone number and Account number. Periodic Fharsee Charon. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dae he transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avid payment of Periodic finance Charges on new purchases if you pay Ne New Balance shown on the Dillin slalemenl on whkh the urchase first appears iotl" by the Payment Due Date, and the Payments and Cretltts on that sUtemenl egseal or exceed your fpevious Balance. We call Phis the "grace per. You do not haw a grace ppeerod on balance transfers or cash advances Poriodic Finance Charges are imposed on new balance Dansfers antl cash advances Degimm?g with Ne dsle the lransacUon occurs Periodic Finance Charges are imposed on alftransaotions and Ob Balances until file dale ot repayment Repayment means pa menl ot your entire New Balance. Flowever, if you pay Ne New Balance shown on Nis Dillinp statement by the Payment Due Dale, and the Payments and Cretlits sh n on this statement equal or exceed the Previous Balance, we will not impose Per odic Finance Charges on new purchases that Is, purchaseslsrst ap rating on this statement ONerwne, you brie receive a Dllling statement nest month Nat includes Periotllo Finance Charges imposetl until the narges rot your Account ine agyoeu dOid bholnpayinth ding nl Due Date, we will imp; $as that first appear on this bdb It We compute the averaggee dategory and dividing the tonal b by first adding the following to ccrued on the previous days ( Uon categmy on that day. In c 1 0 on the first dayy of the billinf i the balance of lha purchase a i Charges are included in the di terminated due to a late paym ate otherwise would have expo we subtract the un ,id balenc ce transfers on that day and we unl are added to the Curchase cash advance transaction cateo cash advances, balance transfers and Old Balances (which we refer to as transaction e x number of days in the bilanp period x Daily Periodic Rate. (Refer to the finance ts) Then we atld all the Period'to Finance Charges for each transaction category, to Average Daily Balanr.e is shown as 0 if no Periodic Finance Charges apply to the w transactions) method of tabulating the balance upon which we ireoose Periodic Balance shown on the Dillim statement wu received dudne the oreuinus ITi oaiance transier transaction categorryy n. a transaction made in a -previous billing period is itemized on date to be the first day of the currenT buhng period when we calculate your Periodic Finance Charges. For TOO (TeleeommuYentlon Devise for the Deal) assistance, please call 1.800-947-7449. The Discover® Titanium Card is issued by Discover Bank, Member FDIC. I rate balance transfers and Balance ce transfers that were subiecl to an credit limit are also included in the nce transfer transacton category on lance Charges and balance transfers urchase transaction category. I Advance Transaction Fee Finance Ice Charges which are added to the lenient we consider the transaction V?J?"....."bCK $114.18 $10.00 Enter Amount Enclosed Below CARD ___ -___._.___ Payment Due Date _ _ $1 October 26, 2003 Please make check payable to Discover Titanium Card or pay online '@ Discovercard.com. 27 SDSN6A01 0010078 HOWARD, PATRICIA Will your payment get to us on time? Pay 162 E LOUTHER ST CARLISLE PA 17013-3027 your bill online and your payment can be made to your account on the same day. Visit Discovercard.com/paymentstoday. PO BOX 15251 1 lime 111 11111 11 111111 He Ill WIL MINGTON DE 19886-5251 Address,e-mail ortelephone change? Print change in space lime ll above, or go to Discovercard.com. Print your e-mail odd ess to lil1il11lilrrl1ill111lilri1lilil1l1111ll1li1111rlllllill receive important Account information and special offers. 0000019867620108783960011418a0010000001U00 Discover Titanium Card Account Summary Closing Date: September 27, 2003 page 1 of 1 Account number ending in 3188 Previous Balance $123.21 Payment Due Date October 26, 2003 Payments And Credits 10.00 Minimum Payment Due $10.00 Purchases + 0.00 Credit Limit $3,000.00 Cash Advances + 0.00 Credit Available $2,885.00 Balance Transfers + 0.00 Cash Credit Limit $1,500.00 finance Charges + 0.97 Cash Credit Available $1,500.00 New Balance $114.18 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? I . Visit Discover corn to pay your bill for no cost, view our l? latest Account information, earn and redeem reward: and more Irrs yOurChOICC - 3 Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Co9omer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 6 Sep 6 PAYMENT - THANK YOU $ -10.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Simplify and Sovel Use your Discover(R) Card to pay off high-rate balances today. You can save money and consolidate your debt into one convenient payment. Call 1.877.353-0985 to see if a Balance Transfer offer is available for you. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03285% 11.99% V 11.99% $0 none Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0 Balance Transfers $116.58 0.02712% 9.90% F 9.90% $0.97 $0 previous billing period: 31 days Purchases $0 0.03285% 11.99% V 11.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. B there is more than one page to this billing statement. see the back of each page for additional important information. See year Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account • o Lad or stolen cards. Report Immediately. Call 1400-347-2669. co Bong Iwo Sulmrry. In Case of Errors or Ouestions About Your BID: If You think your bill is wrong, or if you need more information about a o transaction on your ill write us on a separate sheet of paper at Discover Titanium: P0. Box 15192; Wilmington, DE 19850-5192, as soon as possible. We must hear Tram you no later than 60 days after we sent you the 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: $ Your name and Account number. *The dollar amount of the suspected error. n •Describe the error and explain, If you can, why you believe there is an error. If you need more information, describe the item you are unsure about You do not have to pay ani amount in Cuestion while we are investigating. but you are still obligated to pay the parts of your bill that are not in question. While we mveslig to your qua ion. we cannot report you as delinquent or take any action to collect the amount you question. Spedal Rive for Credit Card Purchisa: If you have a problem with the quality of goods or services that you purchased with a credit card. and you.have tried in good faith to correct the problem with the merchant you mg not have to pay the remaining amount due on the ggoods or services. You have this protection only when Ina purchase price was. more than S5yI and the purchase was made in your home state or within 100 miles of your mailing address. (If vise own or operate the merchant, or if we mailed you the advertisement for the goods or services, an purchases are covered regardless of the amount or location of purchase.) PaytneMS. Sentl only your.paymenl and Ne lop portion of Nis statement in Ne envNOpe provided. Do not send cash. By sending your check as tlescnDed above, you authonie us to use information on your check lo make an electronic land transfer from yyoour account at the financial institution indloatetl on your check or to process the payment as a, check transaction. If pa nl is processed as an electronic fund transfer, the transfer will De for the amount of the check. When we use information from your check to make an electronrc fund transfer funds may be wit drawn from your on. account as soon aS Ne same tlay WE receive 1yro0Uf paymeat. antl you wdl nor reCewe your check Deck from Your (InanCleI InSUWti The processing of your payment may be delayed 7f you sentl cash, correspontlence or other items with your FaYment it you send the payment to any other address or tl you use an envelope other loan Ne one provitletl. Payments received an or after 1 PM Monday through Friday or on a weekentl w bank holitlaV will be ported to tar Account as of the nett business tlay If you have misplaced your envelope, send your payment to Discwler Bank, PO Box 15251 Wilminggton, DE 19886.5251. Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an elec?roniC tlebit Voss can ay your minimum payment or a greater. anaunl over Ne talepp??ione. Call us al 1.800-347-2683. You will need this statement and your bank accounP infwmauon. You must enwre Nat wfficlenl tunas are available in Your bank account. and au transactions must compy, with U.S. law. You will be as , to provide the Urri 5 digits of your account sulemenl tip code. By entenn0 thou numbers as your electronic signature, you will be agreeinp to Nis authoIQaUOn to allow us antl your bank to deduct each payment you au Fire, in the amount requested by u, from your bank . V may nobly us by acwwnC In order to cancel a payment we must receive notice at least three days m advance of the scheduled payment o phone at 1.000-347-2683 or by in if at address listed in the previous paragraph. Credit RaoorlNq We may report information about your account to credit bureaus Late payments, missed Pa nts, or other defaults on your account rttay be reflected in your credit report We normally report the status and payment history of y Accoun[ to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following adtlour ress Discover Titanium Card, PO Box 15316, Wilmington DE 19650-5316. Please include your name, address, home telephone number and Account number. Period, Fhnnee Charges Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases d you pay the New Balance shown on the Dlllin0 statement on which the DurChaas flrsl appears by the Payment DUa Dale, and the Payments antl Crodits On that slalemenl equal w exceed your eV10Ua B71anCe We call Nis th e "grace period" You tlo not Mve a grace ppeerkxt on balance transfers or cash advances. miodic Finance Charges are imposed on new balance transfers and cash advances Deginning with Uie date Ne transaction occurs Parodic Financo-Che -are imposed on elf transactions and Olo Balances until lee tlate of repayment Repsymenl means pa enl of your entire New Balance. tlowever, d you pay the New Bounce shown on this billing statement by the Payment Due Dale, and the Payments and Cretlits shown on Nis statement equal w exceetl the Prev ous Balance, we will not impose Per odic Finance Charges on new purchases, Nal w purchases Urst appearing on Nis statement Otherwise, you will receive a billing sulemenl next month that includes PenoOic Finance Charges imposed until the tla of repsVmant. le Podic Finance Charges each day for purchases, cash advances, balance transfers and iAd Balances (wn. we refer tat0 to as transaction ei Catepa i?esDy using the following equation A verage Daily Balance x number of days m th the billing period x Daily Periodic ftale (Refer . to the finance charge wmmary on Ne front of YVour slalemenl for these amounts.) Then we ad all the Panotl ic Finance Charges for each transaction category to get the total Periodic Finance CBarpes for your Account The Averagc Daily Balance is shown as 0 if no Penotln: Finance Charges apply a the balance in a transaction category. We use the lore-cycle average dalW balance (includnp new transactions) method of calculating the balance upon which we impose Pan is Finance Charges. This means if you did not pay the New Balance shown on the billing statement you received during Ina previous billing period by the Payment Due Date, we will impose Periodic Finance Char es on new purchases that first appeared on that billing statement as well as new purchases that first appear on this Dieing statement unless we aPready imposed Periodic Finance Charges on the purchases an the All fees charged to r Account are auded io Ina renew tranaaactam cance Wlln Ire exception or uasn nuance Iranaaction ree rlnanCe Chat ges which are adiieif to the cash advance Uansa ion category no Bou ransfer Transaction Fee Finance Charges which are added to the bounce transfer transaction categwYY. If a transaction made in a previous billing period is itemized on this statement we consider the transaction date to be the first day of the currenT billing period when we calculate your Periodic Finance Charges Fa 700 (Telecom undeMlon Device for the Deaf) assistance, pure call 1400-347-7449. The DiscoverA Titanium Card is issued by Discover Bank, Member FDIC VIV5%.r''., NCK $105.05 j$10.00 Enter Amount Enclosed Below CARD i______-.._____._.... __._... _, Payment Due Date $ November 26, 2003 Please make check payable to Discover Titanium C d l G d ar or pay on ine Discovercor .com. 27 SDSN6A01 0010079 HOWARD, PATRICIA Will your payment get to us on time? Pay 162 E LOUTHER ST your bill online and your payment can be made to your account on the same day. Visit CARLISLE PA 17013-3027 Discovercard.com/paymentstoday. PO BOX 15251 Illurllnnr111lnrlnrlll WILMINGTON DE 19886-5251 d s n ? n m I lll l l l l l ll I 1 1 1 ll l [ l ill l l i abo ve ail Print your e- orgotoDiscovercardcom addressto rrl r rn ir r nn nn nnI 1 111 1 1 l iii n I I r' B lls f receive important Account information and special offers. 000091986762010878396001050500010000001000 Discover Titanium Card Account Summary Closing Date: October 27, 2003 page 1 of I Account number ending in 3188 Previous Balance $1 14.18 Payment Due Date November 26, 2003 Payments And Credits - 10.00 Minimum Payment Due $10.00 Purchases + 0.00 Credit Limit $3,000.00 Cash Advances + 0.00 Credit Available $2,894.00 Balance Transfers + 0.00 Cash Credit Limit $1,500.00 Finance Charges + 0.87 Cash Credit Available $1,500.00 New Balance = $105.05 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help YOU? 1 • Visit Discover.com to pay your bill for no cost, view our p latest Account information, earn and redeem rewardi and more It's your choice - 3 Ways t0 help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak'with o Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credits Oct 6 Oct 6 PAYMENT - THANK YOU $ .10,00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Simplify and Savel Use your Discover(R) Card to pay off high-rate balances today. You can save money and consolidate your debt Into one convenient payment. Call 1.800-767.7315 to see if a Balance Transfer offer is available for you. Identity theft is the fastest growing crime in the U.S. (General Accounting Office, 1/03). Enroll in optional ProfileProtect(R) and we will send you your credit.report, monitor your. credit file for-changes each business day, and send you Quarterly Credit Updates - tools to help protect yourself from identity theft. Call 1.877.737-1936 to enroll. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.03285% 11.99% V 11.99% $0 none Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0 Balance Transfers $107.26 0.02712% 9.90% F 9.90% $0.87 $0 The rates that apply to your Account are either fixed (F) or they may vary (VI as noted above. ImportarN IMwrnotlen. N there is more than one page to this billing statement see the back of each page for additional important information. See your Condrnenlhar Agreement. Your Cardmember Agreement contains all the terms of your Account o Lost sir stolen cords. Report immediately'. Call 1400.347-2689. - Z m Btllap Rights Sur assay. In Case of Errors OF Questions About Your Bill: If yyoouu think your bill is wrong, or H you ed nave information about a o transaction on your bill, write us on a separate sheet of paper at Discover Titanium; P.0 Box 15192; Wilmington.' N as soon as possible. We must hear roll you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but 8 doing so will not preserve your rights. In your letter, give us the following information: o Your name antl Account number. o -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 item you are unsure about. You do not have to pay any amount in %estion 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 delinquent or ake any action to collect the amount you question. special Rule for CroM Cord PrneI es: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct Inc problem with the merchant, you may not have to pDaay the remaining amount due on the ggnods or services. You have this protection only when he purchase price was more than $d0 and the purchase was made in your home stale or wehin 100 miles of your mailing address. (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. SenO only your payment antl Ne top portion of Nis alalemenl in Ne envelope providatl. Do not send cash. By sending your check as tlescrihetl above, you autwixe us l0 use information on your check to make an elecUcoic fund Uansfer from yynwuir account at the financial institution indaaled on your check or to process Ne payment as a check lnnsacUco. If payment is processed as an electronic fund transfer, the transfer will he for the amount ol Na check. When we use mfwmation from your check to make an electronic funtl Uansfer funds may be withdrawn from your account as soon as to same day we receive yyoouur payment and you will not receive your check back from r tinanoral institution. The processing of your payment may ou dela d d you send cash, correspondence or other items with yyoouur payment if you send the payment to any other adtlress or d you use en envelope other Nan to one provided Payments recewed on or aflAr t PM Monday through Friday of on a weekend or bank holbay will be posted N ur Account as of to next business day. d you nave misplaced your envelope, send Your payment to Discover Bank, PO Box 15251, Wdmmgton, DE 19886-5251. Phase aNOw 7-t6 days for delivery. If your payment is returned unpai , we reserve the right N rewbmA d as an ekcUouic debit You can Coy your minimum payment w a greater amount Dori Ne telephone. Call us at 63. You will need Nis statement and your bank account information. You must ensure Nat sufficient tunas are available in your bank account antl all transactions must comply with U.S law you will De asked to provide the first 5 digits of your account statement zip code. By entering those number as your electronic signature, you will be agreeing to this authorization to alkiw us and your hank to deduct each payment you aullSwize, in the amount requested Dy from your bank account In order to cancel a payment we must receive notice at least three tlays in advance of the scheduled payment YOU may notify us by phone at 1-000-347-2683 of by mail at address listed in the previous paragraph. Credlt Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected a your credit report We normally report the status and payment history of r Account to credit reportingg agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following a dress Discover Titanium Cal ,, Agencies 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Ts. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers date the transaction occurs until the date of repayment and on Oa Balances until the date of repayment Old Balances are purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 of Reserve orient of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the rs by the Payment Due Dale, and the Payments and Credits on that statement ayual or exceed your Previous Balance. We call d". You do not have a grace ppeeriod on balance transfers or cash advances. Periodic Finance Charges are imposed on new d cash advances begutmn9 with Ne date the transaction occurs barges are imposed on alt transactions and Old Balances until the date of repayment Repayment means payment of your entire ver if you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown dual or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is. purchases first element Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the tic Finance Charges each pay for purchases, cash advances, balance transfers and OM Balances (which we refer to as transaction the following equation: Average Daily Balance x number of diet's in the billin period IF Daily Periodic Rate (Refer to the finance the front of your statement for these amounts) Then we add all the PerarRc Finance Charges for each transaction categoy to : Finance Charges for your Account The Average Daily Balance is shown as 0 N no Periodic Finance Charges apply :o'lhe tan category. scycle average alaiN balance (including new Uansscllons) meNrxt al ealculattg the balanro upon which we imppopse Perndic hu means if You did not pay to New Balance shown on to Ditng salement you receimd during the previous the Payment Due Dale, we will impose Pe riodic Finance Charges on new purMases Nal firs) appeared on that billing r new purchases tat lirsl appeour on Nis d Il in statement unless we already imposed Periodic Finance Charges on the purchases ling statement We compute the average der balance to each transacl'an category by adding up all to daily DaWncea in a ransaction category and tlrviding th e total M he number of days in Ne billing cycle. We compute the daffy tralance for each on each day Dy lust arid. Ne lollovnnp to Na prevous day's alai lIyv balance: Gansaclrons matla that day, fees chargetl Nal day e Charges accrued On Ne previous days daffy balance, antl by Oien subtracting y an credits and payments Nat are applied of the transaction calegogf,on that day.- In CakU. g the dairy bounce for Ne prevaui biding period, we consider to "previous mt are all cash adva dory If a we are a n the we calculate your For TOO (TNeoanunraiicallen Device for the Dealt) nsletance, plane call 1-800447-7449. The DiscoverO Titanium Card is issued by Discover Bank, Member FDIC. IV?J?.''•: ° V CK $0.00 $0.00 I Enter Amount Enclosed Below CARD Payment Due Date December 26, 2003 27 SDSN6A010010080 HOWARD, PATRICIA Will your payment get to us on time? Pay your bill online and your payment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 made to your account on the some daayy. Visit Discovercard.com/paymentsMy. PO BOX 15251 Ill 11111111111111144 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space IrrrIll rlrr1 irlrlrrlrrllirrlrlrrrl l I rl ll l l lll l ) above, or go to Dixovercard.com. Print your e -mail address to r r rrrr r r iirr r rr receive important Account information and special offers. 000001986762010878396000000000105050000000 Discover Titanium Card Account Summary Dosing Date: November 27, 2003 page I of 1 Account number ending in 3188 Previous Balance $105.05 Payment Due Date December 26, 2003 Payments And Credits - 105.55 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $3,000.00 Cash Advances + 0.00 Credit Available $3,000.00 Balance Transfers + 0.00 Cash Credit Limit $1,500.00 Finance Charges + 0.50 Cash Credit Available $1,500.00 New Balance m $0,00 How Can We Help You? I . Visit Discover.com to pay your bit for no cost, view ur P latest Account information, earn and redeem rswardsoand more Ifs your choice' 3 WAYS to help- 2. Coll 1.800-DISCOVER (347-2683) For fast, easy self-service Please have your Discover Cord available. options onto"speak With a Cust6Post Service Account Manager 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dote Date Payments and Credits Nov 5 Nov 5 PAYMENT -THANK YOU $ -105.05 Nov 27 Nov 27 SMALL BALANCE CREDIT .0.50 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03285% 11.99% V 11.99% $0 none Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0 Balance Transers $27.07 0.02712% 9.90% F 990% $0.22 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above. Important Information. If there is mote than one page to this billing statement see the back of each page for additional important information. See your Cardw ember Agreemenf. Your Cardmember Agreement contains all the terms of your Account p Ch Lott w stake cards. Report immedialelyl Can 1400-347-2683. N RRIYig Rlghb t:" In Case of Errors or Questions About Your Bill. If you mink your bill is wrong, or d need more information about a o transaction on Your bill, write us on a separate sheet of paper at Discover Titanium; PO. Box 15197 Wilmington, DE 19850-5192, as soon as possible We must hear from you no later than 60 days alter we sent you the first bill on which the error or problem appeared. You can telephone us, but 8 doing so will not preserve your rights. In your letter, give us the following information. •Your name and Account number. $ *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 item you are unsure about You do not have to pay any amount in Gueslion 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 delinquent or take any action to collect the amount you question. SpedY Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in goad faith to correct the problem with the merchant you mayy not have to ppay the remaining amount due on the 1,rs or services You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address (If we own or rate the merchant or 9 we mailed you the advertisement for the goods or services, all purchases are covered regardless et the amount or location of purchase.) Psynranfs. no only your payment and lee top portion d this statement in me enveope prwtletl. Do not send cash. By sending your check as Described above, you authorize us to use information on your check to make an electronic fund transfer from yyo0ur account at the linanclal mslilulwn IndlCaletl Or1 ybUf Check IX IO process lh0 payment as a, CiIECk lfanfaChOn. If payment ii processed at i0 OfECtronic fund transfef, mE transfer will De for me aMount of me check. When we use information from your check to make an electronic fund transfer funds may ce wilhtlrawn from your account as won as me stria: day we recevee r payment and you will not receive your cneck back from your iinancral institution. The processingp of your payment may ce etaVed If you send cash, correspondence or other Gems with lrour WYment if you send the payment to any other addras§ or d you use an enve bpe other Nan the one provitletl Payments received on or alter 1 PM Monday through Fritlay or on a weekend or bank honday will be posted to r Account as of the next business tlay. If you have misplaced your envelope, send your payment to Diuover Bank- . Box 15251, Wilmington, DE 19888.5251. Please allow 7.10 days for delivery. If your payment is returned unpaid . we reserve Inc right to resubmit It as an electronic aeon. You can pay your minimum payment or a greater amount over the tale one. Call us at 1.800.347-2683. You will need this statement and your bank account mfamation. You must ensure that sufficient funds are available in your bank account and all transactions must comply with U.S. law You will be asked to provide the fast 5 digits of your account statement zip code. By entering mow numbers as Your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amoun requested by u, from your bank account In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment YO may notify us by phone at 1.800-347.2683 or by mail at address listed in the previous paragraph. Credit ReWing. We may report information about your account to credit bureaus Late payments, missed pa nts, or other defaults on your account may be reflected in your credit report We normally report the status and payment history o( your Account to credit reporting agencies each month. H you believe that our report is inaccurate or incomplete, please write us at the following adU em Discover Titanium Card, PO Box 15316, Wilmington DE 19850-5316. Please include your name, address. home telephone number and Account number. Periodic Finance Charges. Except as provided below, we will I Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of iepaygent Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billing, statement on which the Vrchaw first appears by the Payment Due Date, and the Payments and Credits on that statement a ual or exceed your evious Balance. We call tots the "grace period". You do not have a grace ppeeriod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginning with OIe date the transaction occurs. Periodic Finance Charges are imposed on alt transactions and Old Balances until the dale of repayment Repayment means payment of your entire New Balance. However if you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing his statement Otherv"w, you will receive a pilling statement next month that inclutles Periodic Finance Charges imposed until me date of repayment We coinputo Periodic finance Charges each day for pumhases, cash aMances, balance transfers and OM Baances (whu;h we refer to as uansadion the categories) by using the folkswmg equation. Average Dary Baance x number of V in is billin perbtl x Daily Periodic Rate. (Refer to me finance charge summary on the front of or statement for these amounts.) Then we add all this Per is Finance Charges for each transaction cate0wy to get a tataI Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 d no Periodic Fcance Charges apply o the dally balance (indudin new transactions) method of calculating the balance upon which we imp aid not pay the New Balance shown on the billing statement you received during 0 kie Dale, we will impose Periodic Finance ChargQes on new purchases that first appeared on sal first aDDear on this billing statement unless we arready imposed Periodic Finance Charges on th are ini d due r171 the cash advance transaction category and Balance transfer transaction h category . If a transaction made in a previous billinp period is itemized on e current billing period when we calculate your PerioBic Finance Charges. For TOO (Telecommu deathvr Device for the Deal) assistance, please call 1400547-7445. The Discovers Titanium Card is issued by Discover Bank, Member FDIC. VI„',„..a`Vtr( $55.06 $10.00 1 Enter Amount Enclosed Below CARD Payment Due Date March 26, 2004 Please make check payable to Discover Titanium d d Car or pay online 0 Discovercar .com. 27 SDSN6A01 0010081 HOWARD, PATRICIA Will your payment get to us on time? Pay b ll li d t b 162 E LOUTHER ST CARLISLE PA 17013-3027 your i on ne an your paymen can e made to your account on the same da . Visit y Discovercard.corn/paymentstod ay. PO BOX 15251 Illrrrllrrrrrlrllrrrlrrrlll WIL MINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in loll ll b d lrlrrlrrl1 ltrlI I llr1rlrlrrrl1 l1 lrlrrrrllI lrlrI I I lllI loll a ove, or go to Discovercar .com. Print your e-mail address to receive important Account information and special offers. 000001986762010878396000550600000000001000 Discover Titanium Card Account Summary Closing Date: February 27, 2004 page 1 of 1 Account number ending in 3188 Previous Balance $0.00 Payment Due Date March 26, 2004 Payments And Credits - 0.00 Minimum Payment Due $10.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $4,444.00 Balance Transfers + 50.00 Cash Credit Limit $2,300.00 Finance Charges + 5.06 Cash Credit Available $2,300.00 New Balance $55.06 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? P I . Visit Discowr.com to pay your bil for no cost, view your l t t A f d d It's your choice - 3 ways to help a es ccount in ormation, earn an re eem rewards and more 2. Coll 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Balance Transfers Feb 23 Feb 23 BALANCE TRANSFER CHECK 0367 $ 50.00 Feb 23 Feb 23 BAL TRANS TRANSACTION FEE FINANCE CHARGE 5.00 APR 9.90% EXPIRES 06/2004 Information For You Congratulations) Your Account credit limit has been increased to $4,500.00 Congratulationsl Your Account's cash credit limit has been increased to $2,300.00. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03285% 11.99% V 11.99% $0 none Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0 Balance Transfers $8.86 0.02712% 9.90% F 121.44% $0.06 $5.00 previous billing period: 31 days Purchases $0 0.03285% 11.99% V 11.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Get organized with pa rless statements. Start receiving your Discover(R) Card statement exclusively online) No more worries about added clutter, lost statements or postal delays. You'll get an e-mail when your current statement is available online and a printable version for your records. Visit the Account Center at Discovercard.com to enroll. Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. See your CWmember Ailmonsert. Your Cardmember Agreement contains all the terms of your Account o Lost or stoles cards. Report Immediately! Call 1-600-947-2863. ca Slap Rights 8ummey. In Case of Errors OF Questions About Your Bilk If you think your bill is wrong, or ityp u need more information about a transaction on Your bill, write us on a separate sheet of paper at Discover Titanium: P.O. Box 15192; Wilmington. DE 19850-5192, as soon as possible. We must bear Trom you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but 8 doing so will not preserve your rights, In your letter, give us the following information: -Your name an Account number. 8 The doter 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 item you are unsure about v You do not have to pay arrv amount in question while we are Investigating, but Xou are still obligated to pay the parts of your bill that are not in question. While we investigate your queXoln, we canna report you as delinquent r take any action to collect the amount you question. Speddi Rule for Credit Card purchases: tt yyoouu have a problem with the quality of goods or services that you purchased with a credit card, and y0u.he tried in good faith to correct the problem with the merchant you may not have to pay the remaining amount due on the pnods or xrvx:n. You have this protection only when the purchase price was, more than S50 and the purchase was made in your home state or wlhin 100 miles of your mailingg? address. (d we own or rate the merchant or d we mailed you the advertisement for the goods or services, all purchases are covered regardless n( the amount or location of purchase.) 1Mymants. Send Dory your .payment and the lop portion o1 Nis statement In the envelope provded. Do not send cash. By sending your check as tlescriDed above, rya authaae us te use information on your check to make an electronic land transfer from your account at the financial institution indicatetl on your check a te process Ne payment as a check lnnsactlon. If payment is processetl as an electronic fund transfer, the transfer will De for the amount of Ne check When we use information from your check te make an electronic land transfer funds may be withdrawn from your account as soon as Ne same day We receive yyoouur payment and you will not receive you chock Oack from your hnancial institution. The processing ol your payment may De tlelaYyeetl d you send cash, caiespondence or oNar items with Your paymarat it you send theyyment to any other address or d you use an envelope aTier Nan the one provided Payments received on or aflbr 1 PM Monday through Fri W of on a Weekend Dr Dank h01Wav Will be postetl t0 Your Account as ol the next Rosiness tlay If you have misplaced your envelope, send your payment to Discover Bank, PO Box 15251 Wilmin ton, OE t9B86-5251. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the r?pnt te resubmit it as an elec4onb de?it You can Day r minimum payment a a greater amount error the leeohone. Call us at 1.800.347.2683. You will need this statement and Your Dank account bl&mation. You must ensure that suffbuenl funds are available n Your bank account and all transactions must comply With U.S. law You tyill be asked te provitle Ne first 5 digits ol your account statement xip cotla ey enlennp Nose numbers as your electronic signature, you will be agreeing to this authonZatio to allow us and your bank te deduct aach payment you aulPiaae, in the amoum requested by you from your bank accanC In order to cancel a payment we must receive notice at least three days in advance of the Scheduled payment You may notify us by phone at 1-800-347-2683 or by mail at address listed in the previous paragraph. Credit Repenihq. We may report information about your account to credit bureaus, Late payments, missed W nts, or other. defaults on your account may be reflected in your credit report We normally report the status and payment history of your Accoun[ to credit reporting agencies each month, If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Titanium Card, PO Box 15316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number. Periodic Finance Char6as Except as provided below, we will imse Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the ch, the transaction occurs until the dale of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoitl payment of Periodio Finance Charges on new purchases if you pay the Now Balance shown on the billing, statement on which the Carthorse first appears try the Payment Due Date, and the Payments and Credits on that statement equal or exceed you evious Balance. We call tots Ne "praca period". You tlD riot have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash atlvancas Depinnm with the dale the transaction occurs Periodic Finance CMrgas are imposed on alPtransadions and Old Balances until the dale Of repayment Repayment means pa nt of your entire New ealenCe. Rowever, if rya pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on Nis sUtemenl equal a exceetl the Previous Balance, we will not Impose Periodic Finance Charges on new purchases, that is, purchases first adppeaange oynmteh?st statement Otherwise, you will receive a billing statement next month that Includes Periodic Finance Charges imposed until the Wa compute Periotlic Finance Charges each derv fa purchases, cash advances, balance transfers and Oki Balances (which we refer to as transaction categaies?Dy usurp the following equation Average Dafly Balance x number of derYS in Ne .. period x Dairy Periodic Bale (Baler to the finance chargge summary on the front of YYoouur statement for these amounts) Then we atld all the Per rc Finance Charges for each transaction category to get tits total F cacttion category. n caateeegory Cfiarges la your Account The Average Daily Balance i; shown as 0 if no Periodic Finance Charges apply-to the balance We in a IF ansac use the two-cycle avers, a tlaip balance (inclutlinp new Balance transactions) method of baling statement the balance upon, ewhich d we impose Periodic Finance Char This means if OYou did not pay the New Balance shown on the billing stele ment nl you you received during Ne previous billing period t tits Payment Due Date, we Will Impose Periodic Finance Charges on new purchases that first appeared on that billing statement as well as new purchases that first appear on this billing statement unless we aPre civ imposed Periodic Finance Charges on the purchases mat Decome purcnase rate Dalence transiers on trial day and we add trial unpaid balance to Ne balance All fees charged tor Account are added to the purchase transaction category with the exceptior Cnarges which are adr1ad to the cash advance transaction category and Balance Transfer Transaction F balance transfer transaction category. If a transaction made in a previous billing period is itemized on date to be the first day of the current billing period when we calculate your Perwdic Finance Charges, For TDD (Tsieeeerrmounleation Device for the Deaf) assistance, plane call 1400-347-7449. The Diseovertm Titanium Card is issued by Discover Bank, Member FDIC. Ula%., d V C K $0.00 $0.00 L Enter Amount Enclosed Below I ___._._____..__ ___ CARD Payment Due Date _.__. $ April 26, 2004 27 SDSN6A010010082 HOWARD, PATRICIA Will your payment get to us on timeP Pay your bill online and your payment can be 162E LOUTHER ST CARLISLE PA 17013-3027 made to your account on the same dayy. Visit Discovercard.com/paymentstoday. PO BOX 15251 111111111111111 11 11111 WIL MINGTON DE 19886-5251 p Address, e-mail or above or go toDiscooverh ardcomBPrint? our?e-mailadd?euto "'II I'I'rl„I'Irrl"II"'I'Ir"1'1'1'1""11'1'1""111'1"I , y receive important Account information and special offers. 000001986762010878396000000000055060000000 Discover Titanium Card Account Summary Closing Date: March 27, 2004 page 1 of 1 Account number ending in 3188 Previous Balance $55-.06 Payment Due Date April 26, 2004 Payments And Credits 55.56 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $4,500.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 finance Charges + 0.50 Cash Credit Available $2,300.00 New Balance $0.00 How Can We Help You? 1 Visit Dixowr tern to pay your bill for no coat, view ur P latest Account information, earn and redeem rewardsaand more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683( for fast, easy 301f-Mrvice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearing see reverse side 3. Write us at Discover Card, PO Box 30943, ( impaired) Salt Lake City, UT 64130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 8 Mar 8 PAYMENT - THANK YOU $ -55.06 Mar 27 Mar 27 SMALL BALANCE CREDIT -0.50 Finance Charge Summary Average. Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolances Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $0 0.03285% 11.99% V 11.99% $0 none Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0 Balance Transfers $17.17 0.02712% 9.90% F 9.90% $0.13 $0 previous billing period: 31 days Purchases $0 0.03285% 11.99% V 11.99% $0 none The rates that apply to your Account are either fixed (F( or they may vary M as noted above. Important Infarmalicn. If there is more than one page to this billing statement see the back of each page for additional important information. See yell Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account o Last er stolen ends. Report Immediateyl Call 1-800-347-2653- B?Irg 1111" Sra?Oa? In Case of Errors OF Questions About Your Bill: tt you think your bill is wrong, or if you need more information about a o transaction on your bill, write us on a separate sheet of paper at Discover Titanium; P.0 Box 15192; Wilmington, DE 19850-5192, as soon as possible We must hear Trom you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but S doing so will not preserve your rights. In your letter, give us the following information: o ling name and Account number e -The dollar amount of the suspected error. *Describe the error and explain, if you can, why you believe there is an error. 9 you need more information, describe the Item you are unsure < about 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 que on, we cannot report you as delinquent or ke any action to collect the amount you question. Rulo for Credll Card PreMnes• If you have a problem with the quality of goods or services that you purchased with a credit card, and have tried in good faith to correct the problem with the merchant you maY not have to pay the remaining amount due on the gsods or services You have this protection only when the purchase price was more than 850 and the purchase was made in your home stale or wain 100 miles of your mailin00 address. (If we own or opevale the merchant or if we mailed you the adverUSemenl for the goods or services, all purchases are covered regardless df the amount or location 0f purchase.) the top portion of this statement in the enveope provided. Do not send cash. By sending your check as information on your check to make an electronic fund transfer from Your account at the financial institution e payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will we use information from your check to make an electronic fund transfer funds may be withdrawn from your five Your payment and you will not receive your check. back from l i )inancial institution. be delayed if you send cash, correspondence or other items with your payment if you send the payment to elope other than the one provided Payments received on or after 1 PM Monday through Friday or on a -to ur Account as of the next business day If you have misplaced your envelope, send your payment to i, DE 19666.5251. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the You can pay your minimum payment or a greater amount over the teleran. Call us at 1.600.347.2683 You will need this statement and your bank account information You must ensure that sufficient funds are availa ble in your bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering, thou numbers as your electronic signature, you will be agleam? to this authorization to allow us and your bank to deduct each payment you autfionze, in the amount requested by u, from your bank account. In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment Yo may notify us by phone at 1.600-347.2683 or by mail at address listed in the previous paragraph. Credit ReportMg. We may report information about your account to credit bureaus. Late payments, missed pa menns, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address Discover Titanium Card, Pll Box 15316, Wilmington DE 19850.5316. Please include your name, address. home telephone number and Account number. Period', FMenea Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dale he transaction occurs until the date of repayment and on Old Balances until the date of repsVmenl Old Balances are compruetl of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the ppuurchase first appears by the Payment Due Date, and the Payments and Credits on that statement a seal or exceed your Previous Balance. We call leis the "grace period". You do not have a grace permd on balance transfers or cash advances. VI Finance Charges are imposed on new balance transfers and cash advances beginning with Inc date the transaction occurs. - Periodic Finance Charges are imposed on alf transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However, d you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is. purchases first asp acing on this statement Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction following equation: Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (Refer to the finance front of lrour statement for these amounts) Then we atld all the Periodic Finance Charges for each transaction category to 'inance_Charges for your Account Tne Average Daily Balance is shown as 0 if no Periodic Finance Charges apply le the daiN did All fees charged t0 our Account are added to the urCbase transaction categTory wiln MI Chargpes which are ad d to the cash advance lransac ion category and Balance ransfer Tra balance transfer transaction category. If a transaction made in a previous bdlin0 period is it date to be the first day of the current billing period when we calculate your Periodic Finance ( For TOO (TaMconarvtsnleatlon Device for the Deaf) assistance, piano eta 1-800-347-7449. The Discoverr9 Titanium Card is issued by Discover Bank, Member FDIC. the as. Special rate balance transfers and Balance loBalance transfers that were sub t to an n Account credit limit are also incluz in the of the balance transfer transaction category on ion Fee Finance Charges and balance transfers cc of the purchase transaction Category lion of Cash Advance Transaction Fee Finance i Fee Finance Charges which are added to the on this statement we consider the transaction VIJL',. N tK $772.63 1$16.00 Enter Amount Enclosed Below CARD L__. __.______ Payment Due Date $ --? November 26, 2004 Please make check payable to Discover Titanium Card or pay online 0 Discovercard.com. 27 SDSN6A010010083 HOWARD, PATRICIA Will your payment get to us on time? Pay your bill online and our a ment b 162 E LOUTHER ST CARLISLE PA 17013-3027 y p y can e made to your account on the some day. Visit Discovercard.com/paymentstoday. PO BOX 15251 111 1111111111 11 111111 111 Ill WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space above, or go to Discovercard.com. Print your e-mail address to Irii?llilrrlrilrlii?irllrrrlrlrrr?i?ilrlrrrrl?rlr?irrrll?lrrl r receive important Account information and special offers. 000001986762010878396007726300000000001600 Discover Titanium Card Account Summary Closing Date: October 27, 2004 page 1 of 1 Account number ending in 3188 Previous Balance $0.00 Payment Due Date November 26, 2004 Payments And Credits - 0.00 Minimum Payment Due $16.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $3,727.00 Balance Transfers + 771.25 Cash Credit Limit $2,300.00 Finance Charges + 1.38 Cash Credit Available $2,300.00 New Balance _ $772.63 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? I? 1. Visit Discover.com to pay your bill for no cost, view your l t A f It's your choice - 3 ways to help a est ccount in ormation, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) For fast easy self-service Pleose have your Discover Card available. , options or to speak with a Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Balance Transfers Oct 5 Oct 5 BALANCE TRANSFER CHECK 0387 $ 580.00 APR 2.90% EXPIRES 02/2005 Oct 7 Oct 7 BALANCE TRANSFER CHECK 0383 191.25 APR 2.90% EXPIRES 02/2005 Information For You Go paperlessl Elect to stop receiving your Discover(R) Card statements by mail and receive them exclusively online. You'll get an e-mail notification when your statement is available online and a printable version of your statement for your records. Visit the Account Center at Discovercard.com to enroll. Finance Charge Summary Average Daily Balances current billing period: 30 days Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES Purchases $0 0.03490% 12.74% V 12.74% Cash Advances $0 0.05477% 19.99% F 19.99% Balance Transfers $579.03 0.00795% 2.90% F 2.90% previous billing period: 31 days Purchases $0 0.03422% 12.49% V 12.49% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above $0 none $0 $0 $1.38 $0 $0 none TRANSFER BALANCES Today - Call 1.800-767-7399 now or visit Discovercard.com to see what Balance Transfer rate is available for you. Pay off loans, make home improvements or take that dream vacation. It's a fast and easy way to save moneyl Important Information. If there is more than one page to this boiling statement, see the back of each page for additional important information. $ee Vow Cardmanlber Agreement. Your Cardmember Agreement contains all the terms of your Account on Lost or stolen cards. Report Immediately! Call 1400.947-2889. Z Bglkq Rights Buw on ry. In Case of Errors or Questions About Your BiR If You think your bill is wrong, or it need more information about a TO transaction st ear Trom bill. riauussr man s60 ate aRm we ape at Discover Ti(at him. P.O. Box 15192; Wilmington, DE 19850.5192, as soon as possible. o you days sent you the first bill on which the error or problem appeared. You can telephone us, but o doing so will not preserve your rights. In your letter, give us the following information: $ *your name and Account number. -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 item you are unsure V 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 delinquent or take any action to collect the arrlounl you question. Sped Rule for Craft Card Purchases: If You have a problem with the quality of goods or services that you purchased with a credit card, and you have hied in good faith to correct the problem with the merchant you maY el have to pay the remaining amount due on the goads or services. You have this protection only when the purchase price was more than $ 5g and the purchase was made in your home stale or within 100 miles of your mailinG? address (if we own or operate the merchant or of We mailed you the advertisement for the goods or services, all purchases are covered regardless 0( the amount or location of purchase.) raymenu. xne Dory your payment antl. the tap on of this statement in the envelope provided. Do not send cash. By sending your check as deseribed above, you authorise us to use information on your check to make an electronic fund banner from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ant is procesand as an a ectronic fund transfer, the transfer will Da for the amount of the check When ova use information from your check to make an e18Mmnic fund transfer funds may be withdrawn from your account as soon as Ne same day we receive tar payment and you will not receive your check back from your linanciat institution. The processing of your payment may De ?elavetl d you send cash, correspondence or other items with your grant if you send the payment to any other atldress or if you use an envelope other an the one provided. Payments received on or after 1 PM Monday through Friday or on a weekend w bank holiday veal be ported to tar Account as of the next business day If you have misplaced your envelope, send your payment to Discover Bank, PO Box 15251 Wdmm9ton, DE 19886.5251. Please allow 7-10 days for delivery If your payment is returned unpaid, ova reserve the ngM to resubmit it as an electron c debit You can pay yow minimum payment or a greater amount over the telephone. Call us at 1.800-347.2683. You will need this statement and your bank account information. You must ensure Nat sufficient funds are available in your bank account and all transactions must comply with U.S. law. You will oc asked to provide the first 5 digits of your account statement zip code. By entering, those numbers as your electronic signature, you will be agreeing to IN authoraatlen to allow us and your bank to deduct each payment you auize, in the amount requested by ou, from your bank account In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment You may notify us by phone at 1.800-347.2663 or by mad at address listed in the previous paragraph. Creel Raoerling. We may report Information about your account to credit bureaus Late payments, missed pa nts, or other defaults on your account rtlay De reflected in your credit report We normally report the status and payment history of your Accoun[ to credit reporting agencies each month. B you believe that our report is inaccurate or incomplete, please write us at the following address Discover Titanium Caro PO Box 15316, Wilmington DE 19050.6316. Please include your name, address, home telephone number and Account number. Periodic Finance Charges Except as provided below, we will impose Periodic FinanceOld Bala Charges on purchases, cash advances antl balance transfers beginning with the date the transaction occurs until the date of repayment and on nces until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the urchass first appears by the Payment Due Date, and the Payments and Credits on that statement a uaI or exceed your evious Balance We call iris the "grace period" You do not have a grace Carl on balance transfers or cash advances ?eriodic Finance Charges are imposed on new balance transfers and cash advances beginninp with the date the transaction occurs. Periodic Finance Charges are imposed on atf transactions and Old Balances until the date of repayment Repayment means pa nt of your entire New Balance. However if you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance,. we will not impose Periodic Finance Chartggees on new purchases. that is, purchases first app armg on this statement Otherwise, you will receive a billing statement next month that includ s Periodic Finance Charges imposed until the dale of repayment We compute Periodic Finance Charges. each dal, for purchases, cash advances, balance transfers and OW Balances (which we refer to as transaction categories) by using the following equation: Average Daily Balance x number of days in the billin period x Daily Periodic Rate. (Refer to the finance charge summary on the front of your statement for these amounts.) Then we add all the Per is Finance Charges for each transaction category to oel the total Periodic Finance Charges for Your Account The Average Dairy Balance is shown as 0 if no Periodic Finance Charges apply to the atance in a transaction categoryWe use the two-cycle avera06a daily balance (Including, new transactions) method of calculating the balance upon which we impose Periodic Finance Chargges. This means it You did not pay the w Balance shown on the billing statement you received during the previous billing partod by the Paymentt Due Date, we will imppoose Periodic Finance Charges on new purchases that first appeared on that billing statement as well as new purchases that first appear on Nis brill, statement unless we arready imposed Periodlc Finance Charges on Ne purchases on your previous billing statement We compute lne averagge dmgN balance for each transaction category Dv addinC up all lne daily balances in a bitting ported for a transaction category and dividing the lo[al by the number of boat's m Ne billing cycle. We compute the daily balance for each transaction category on earn day by first adding Ne lollowin to Ne prevleus days itaiW Wlance: GansacUOns made teas day, fees cnargetl Nat day and Perkrdlc Finance Charges accrued on Ne previous da?s tlaiy balance; one by then subtracting any credits and payments that are applied against the balance of the t°anaaction calegay on Nat day. In calcule Ong the daily Dalence Ior the previous billing perioQ ova consider Ne "previous days daily balance" to Dave been n M the (iM nay N ii.. nvvnn n.n., rl lu -- - w .??• ???•r uay ur are current wrong perlco wnen we calculate your Periodic Finance For TOO (TekeananrunkNlon Device for the DeaQ assistance, plane call 1-800-247-7448. The Discover® Titanium Card is issued by Discover Bank, Member FDIC N CK $758.50 ! $16.00 Enter Amount Enclosed Below CARD - Payment Due Date ----- $ December 26, 2004 Please make check payable to Discover Titanium Card or pay online 0 Discovercard.com. 27 SDSNGA010010084 HOWARD, PATRICIA Will your payment get to us on time? Pay your bill online and your payment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 made to your account on the same day. Visit Discovercard.com/paymentsroday. PO BOX 15251 116111 Iloilo 111111164 1111 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in s ace above, or go to Discovercard.com. Print your e-mail address to 1111 111111I11I11111111111111111111111111111(1111111111111(111 receive important Account information and special offers. 000001986762010878396007585000016000001600 Discover Titanium Card Account Summary Closing Date: November 27, 2004 page 1 of 1 Account number ending in 3188 Previous Balance $772.63 Payment Due Date December 26, 2004 Payments And Credits - 16.00 Minimum Payment Due $16.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $3,741.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 1.87 Cash Credit Available $2,300.00 New Balance $758.50 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view our I? latest Account information, earn and redeem rewards and more It's your Choice-- 3 Ways to help 2. -Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available, options or to speak with a Custornet Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dote Dote Payments and Credits Nov 8 Nov 8 PAYMENT - THANK YOU $ .16,00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0.00%. Rate is subject to the terms of the offer including expiration. Give that someone special the gift that could only come from you. Discover(R) Gift Cards come in festive designs in denominations up to $500, and are accepted most everywhere Discover Card is welcomed. Customize yours with a personal message when you order at Discovergiftcard.com. Not available to residents of CT, DC, MA, ME or NH. Finance Charge Summary current billing period: 31 days Nominal Average Daily ANNUAL ANNUAL Daily Periodic PERCENTAGE PERCENTAGE Balances Rotas RATES RATES Purchases $0 0.03490% 12.74% V 12.74% Cash Advances $0 0.05477% 19.99% F 19.99% Balance Transfers $763.22 0.00795% 2.90% F 2.90% previous billing period: 30 days Purchases $0 0.03490% 12.74% V 12.74% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $0 none $0 $0 $1.87 $0 $0 none Protect your good credit during this busy Holiday season. ProfileProtect(R) helps you manage your credit, prevent identity theft & reduce your risk of fraud. ProfileProtect provides a copy of your credit report, monitors your credit file every business day & alerts you to changes. Enroll today 1.866.708.0672 or Discovercord.com/ProfileProtect. Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. See your Cardinarals r Agreement. Your Ca ilmember Agreement contains all the terms of your Account U) Last or stolen cards. Report immetliateyt GII 1-800-347-2883. Z Willing Rights EwnW. In Case of Errors or questions About Your Bill d u think your bill is wrong, or if you need more information about a o transaction on Your Dilf, mite us on a separate sheet of paper at Discover Titanium; P.O. Box 15192; Wilmington, DE 19850.5192, as soon as possible o We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but o doing so will not preserve your rights. In your letter, give us the following information: your name and Account number. -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 item you are unsure about 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 bin that are not in question. White we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rote for Credit Cerd Fuld nos: If you have a problem with the quality of goods or services that you purchased with a credit card, and you.have tried in good faith to correct the Croblem with the merchant you may riot have to pay the remaining amount due on the goods or services You have this protection only when the purchase price was more than E50 and the purchase was made in your home slate or within 100 miles of your mailingC address. (N we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) The processing of your payment may be dell yed if you send -cash, correspondence or other items with your payment if you send the payment to any other address or if you use an envelope mr, r than the one provided. Payments received on or alter 1 PM Monday through Friday or on a weekend or bank holiday will be posted to your Account as of the next business day. N you have misplaced your envelope, sendmyour payment to Discover Bank PO Box 15251 Wilminggton, DE 19686-5251. Please allow 7.10 days for delivery. If your payment is returned unpa we reserve the right to resubmit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone. GII us at 1.800-347-2683. You will need this statement and rut bank account information. You must ensure that sufficient funds are available in your bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. Bentering those numbers as your electronic signature, you will be agreeingg to this authorization to allow us and your bank to deduct each aymenl you authorize. in the amount requested Dy from your bank accounC In order to cancel a payment we must receive notice at least Rhree days in advance of the scheduled payment Youumay notify us by phone at 1.800-347.2683 or by mail at address listed in the previous paragraph. Cre& Repeating. We may report information about your account to credit bureaus Late ppaayments, missed pa nts, or other defaults on your account may De reflected m your cretlil report We normally report the slaws and payment hiStay of Your Account to credit reporting agencies each month. If you believe that our report is maccurate or incomplete, please write us at the following address Discover Titanium Card, PD Box 15316, Wilmington DE 19860.5316. Please include your name, address, home telephone number and Account number. Pealodo fllMlnee Clasps. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dare the transaction occurs until the dale of repayment and on Old Balances until thou date of repayment Oki balances are comprised of either purchases and rash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve pay the New Balance shown on the billing, statement on which the on mat statement easeal or exceed your evious Balance We call or cash advances. Periodic Finance Charges are imposed on new c Finance Charges are imposed-on alrtransaclions and Old Balances until the date of repayment Repayment means payment of your entire ance. However, if you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that a. purchases first g on this statement Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the epayment nputo Periodic Finance Chargas. each day for purchases, cash advances, balance transfers and OW Balances (which we infer to as transaction ;s) Dy using me folbwinp aquauon. Aw:rige Daily Balance ._nu, r of days in me Dilhng period x Daily Periodic Bale (peter to me finance ummary on the, front ot your statement fa mesa amounts) Then we atld all me Parodic Finance Charges for eacD lransaclan category to total Penatltc Finance Charges fur your Account The Arae Daily Balance is shown as 0 if no Penodic Finance Charges apply I. me m a brmsacton ca. -Y se me lwo•cycle average da lN balance (including craw transactions) method of Caleulaung me balance upon which we impose Periodic Charges This means if You did not Deal he Naw Balance shown on me billin. statement you received during lDa previous fT-7 I rate balance transfers and Balance ca transfers that were su=t to an credit limit are also included in the nee transfer transaction category on lance Charges and balance transfers xirchase transaction category.. h Advance Transaction Fee inance ice Charges which are added to the lament we consider the transaction Fa TOO (Telecon munleafbn Dowlee for the Dean assistance, please cell 1400-347-7449. The Discover® Titanium Card is issued by Discover Bank, Member FDIC. VIZ&. -.'VtK $744.28 $15.00 Enter Amount Enclosed Below CARD Payment Due Date $ -? January 26, 2005 Please make check payable to Discover Titanium Card or li ® Di d pay on ne scovercar .com. 27 SDSN6A010010085 HOWARD, PATRICIA Will your payment get to us on time? Pay b ll l d 162 E LOUTHER ST CARLISLE PA 17013-3027 your i on ine an your payment can be made to your account on the same day. Visit Discovercard.com/paymentstoday. PO BOX 15251 Ill r r r llnrrrnlrllrrrlrrrlll WIL MINGTON DE 19886-5251 Address, *-mail or telephone change? Print change in space above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000001986762010878396007442800016000001500 Discover Titanium Card Account Summary Closing Dale: December 27, 2004 page 1 of 1 Account number ending in 3188 Previous Balance $758.50 Payment Due Date January 26, 2005 Payments And Credits - 16.00 Minimum Payment Due $15.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $3,755.00 Balance Transfers + 0.00 Cash Credit limit $2,300.00 Finance Charges + 1.78 Cash Credit Available $2,300.00 New Balance $744.28 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TOO 3. Write us at Discover Card, PO Box 30943, (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 5 Dec 5 PAYMENT - THANK YOU $ -16.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0.00%. Rate is subject to the terms of the offer including expiration. Give that someone special the gift that could only come from you. Discover(R) Gift Cards come in festive designs in denominations up to $500, and are accepted most everywhere Discover Card is welcomed. Customize yours with a personal message when you order at DiscovergiBcard.com. Not available to residents of CT, DC, MA, ME or NH. Finance Charge Summary current billing period: 30 days Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES Average Daily Balances Purchases $0 0.03559% 12.99% V 12.99% Cash Advances $0 0.05477% 19.99% F 19.99% Balance Transfers $747.09 0.00795% 2.90% F 2.90% The rates that apply to your Account are either fixed (F) or they may vary )V) as noted above. $0 none $0 $0 $1.78 $0 Protect your good credit during this busy Holiday season. ProfileProtect)R) helps you manage your credit, prevent identity theft & reduce your risk of fraud. ProfileProtect provides a copy of your credit report, monitors your credit file every business day & alerts you to changes. Enroll today 1-866.708.0672 or Discovercard.com/ProfileProlect. Imperlarl MlamaUon. If there is more than one page to this billing statement, see the back of each page for additional important information lift Vow Conlinsonabor Agreement. Your Cardmember Agreement contains all the terms of your Account ti 0 Lest er stolen Lards. Report immediately! Call 1400.347-266. Z m B? gery In Case of Errors or Questions About Your Bilt tt you think your Dill is wrong, or it you need more information about a o UansacUOnlghtsoniimblurnDilf, write us on a separate sheet of paper at Discover Titanium; P.0 Box 15192; Wilmington, DE 19850.5192, as soon as possible We must hear rom you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but $ tlothg so will not curve your rights. In your later, give us the following information: .Your name and Account number. .The dollar amount of the suspected error. m .Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about You do not have to pay any amount in aueriion 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 quest ion, we cannot report you as delinquent or take any action to collect the amount you question. 0 ell Built for Credit Card Purchoses: V p have a problem with the quality of goods or services that you purchased with a credit card, and You.have tried in good faith to correct the roblem with the merchant you ma not have to pay the remaining amount due on the ggods or services You have this protection only when the purchase price was more than =5y0 and the purchase was made in your home state or within 100 miles of your mailing address (if we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your ,payment and Ne top portion of this statement in the envelope provided. Do not send cash. By sending your check as rlescribetl aDOve, you authonze us N use information on your check N make an electronic lund transfer from l1rorour account al Ne linanoal mriiluUOn intlicale0 on your check or N process the payment as a check transeclion H payment h processed as an elecUOnb fund Uanster, the transfer will be for Ne amount M Ne check When we use rnformaUOn from your check to make an elecUOnic fund Uansfer lunds may De wilhtlrawn from your account as soon as Ne same day we receive Your a y(ment and you will not receive your check.back from your )financial institution. Thor processing of your payment may be tlelayyee you send cash, correspontlance or Diner seems with your WVment if you send Ne payment to any other etltlresc or if you use an envelope other than the one provided. Payments receivetl on or after 1 PM Monty NrouCh FrMay or on a weekentl or bank nolMaY wotl De posted to Your Account as of the next business day If you nave misplacetl your envelope, send your payment to Discover Bank, PO Box 15251 Wilmington, DE 19886.5251. Please allow 7.10 days for delivery. tt your payment is returnetl unpai4 wit reserve the rigor to rewOmd it as an electronic debit You can City your minimum payment or a greater amount over the telephone Call us at 1.600-347.2683. You will need this statement and Your Dank account information. You must ensure Nal sulibenl funds are a"'W le in Your bank account and all transactions must comply with U.S. law. You will ba asked to provide the first 5 tligds ot your account statement zip code. By entarin0 Nos` numbers as your electronic signature, you will be agreeing to this authoiz r N allow us and your bank to deduct each payment you aut?ionze, in the amoum requested Dy you from your bank account In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment You may notify us by phone at 1.600-347-2683 or by mail at address listed in the previous paragraph. Credit We may report information about your account to credit bureaus Late payments, missed pa :trients. or other defaults on your account y De reflected in your credit report We normally report the status and payment history of your Account to credit reporting eyencies each month. If you believe that our report is inaccurate or incomplete, please wrote us at the following address Discover Titanium Card, PO Box 15316, Wilmington DE 19650-5316. Please include your name, address, home telephone number and Account number. Padedie FYmlea Charges Except as provided below, we will impose Periodic Finance Charles on purchases, cash advances and balance transfers beginning with the daTe the transaction occurs until the dale of repayment and on Old Balances until the data of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. Vou can avoid payment of Poriotlb finance Charges on new purchases it you pay the New Balance shown on the Dillin® statement on which Me ppurchase first appears W the Payment Due Date, antl the Po menu and Credits on Nat stalemenl equal o exceetl your fprevbus Balance. We call Nis Ne "grace periaf". Vou do not have a grace pperind oh bagnce Uansfers or cash advances. Perbtlb finance Charges are imposed on new balance 'ran sfers and cash advances Depinnina with the data Ne Uansaclion occurs Pere to Finance Charges are imposed on elff transactions and Old Balances until Ne tlate of repayment Repayment means payment of your entire New Balance. However, d you pay the New Balance show n on tbis billing statement Dy the Payment Due Oats, and the Payments and Cretlots shown on Nis statement equal or exceed th e Previous Bahnce, we will no impose Periatle Finance Charges on new purchases, Nal is, purchases first ^pPea imp on this statement Otherwise, you will recewe a billing statement next month at mclutles Ponotlb Finance CMrOes imDOSed until the Finance Charges each day for purchases, cash advances, balance transtera and Old Balances 'rich we refer N as lransaotion fotbwing equallon: Average Daily Balance x number of days in Ne billin penotl x Daily Perwdic Rate (Refer to Ne finance front of Your statement fo Neu amounts) Then we atltl all the Peric Finance CMrges to each bansaMbn category the N ance Cfiarges for your Account The Average Daily Balance is shown as 0 d no Perrotlre Finance Charge apply to anal daiN balance (including new It nsacho method of calculating the balance upon which we impose Pe iodic h means it you_ did _ not pay Ne eve Balance shown on Ne 0, use .,..,.M... as well as new purchases that first glar on evious billing statement We compute the in Dd for a transaCton Catedorv, and dividino Ni to an ,,?All feescharged to yyro?or Account ore addedd ttooathe guuichassee transactionncaltteee0pobaory with( the eeceplar Charges which are adibd to the cash advance transac tion category and Balance -Transfer Transaction F balance transfer transaction Categoryy. If a transaction made in a previous bilhnp period is itemized on dale to be the first day of the outran T billing period when we calculate your Perwdic Finance Charges. For TDD (TeletorlsnNadeatfon Devito ter the Deaf) assistance, Pont call 1-000-947-7440. The Discovers Titanium Card is issued by Discover Bank, Member FDIC. VIJ?.`vCK $1,271.10 $26.00 I Enter Amount Enclosed Below - CARD 'Payment Due Date J $ February 26, 2005 Please make check payable to Discover Titanium C rd l a or pay on ine ! Discovercard.com. 27 SDSN6A01 0010088 HOWARD, PATRICIA Will your payment get to us on time? Pay your bill online and your payment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 made to your account on the some dayy. Visit Discovercard.com/paymentstoday. PO BOX 15251 Illy 111111111 1111111 1 111111 WIL MINGTON DE 19886-5251 Address, e-mail or pa Print Iu1lI b D d v d rl -m c l11ulu11lulul11u111iu11111r11uiIll 11111sill 1lnl a isc o .om.Print you e mail ddreuto oe,orgoto ercar receive important Account information and special offers. 000001986762010878396012711000015000002600 Discover Titanium Card Account Summary Closing Date: January 27, 2005 page 1 of I Account number ending in 3188 Previous Balance $744.28 Payment Due Date February 26, 2005 Payments And Credits - 15.00 Minimum Payment Due $26.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 520.00 Credit Available $3,228.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 21.82 Cash Credit Available $1,780.00 Now Balance $1,271.10 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? p I • Visit Discover.com to pay your 691 for no cost, View your latest Account information, earn and redeem rewards and more It's you Choice - 3 Ways to help 2. Call 1.800-DISCOVER 1347.26831 for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD 3. Write us at Discover Card, PO Box 30943, (assistance for hearing impaired) see reverse side Saft Lake City, , UT UT 8A 130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dote Payments and Credits Jan 6 Jan 6 PAYMENT - THANK YOU $ .15.00 Cash Advances Jan 13 Jan 13 CASH ADVANCE CHECK 49987 520.00 Jan 13 Jan 13 CASH ADVANCE TRANS FEE FINANCE CHARGE 15.60 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Give that someone special the gift that could only come from you. Diecover(R) Gift Cards come in festive designs in denominations up to $500, and ore accepted most everywhere Discover Card is welcomed. Customize yours with a personal message when you order at Discovergiftcard.com. Not available to residents of CT, DC, MA, ME or NH. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03627% 13.24% V 13.24% $0 none Cash Advances $260.16 0.05477% 19.99% F 46.20% $4.42 $15.60 Balance Transfers $734.50 0.00795% 2.90% F 2.901/ $1.80 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Protect your good credit during this busy Holiday season. ProfileProtect(R) helps you manage your credit prevent identity theft 3 reduce your risk of fraud. ProfileProtect provides a copy of your credit report, monitors your credit file every business day 8 alerts you to changes. Enroll today 1-866.708-0672 or Discovercard.com/ProfileProtect. kni errant Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See Vow Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account a Lost or stolen twits. Report Immediately Call 1-800-347-2883. _ m BU" Moo S In Case of Errors or Oueslions About Your Bill: N u Think your bill is wrong, or if you need more information about a o transaction on your hit write us on a separate sheet of paper at Discover Titanium; P.0 Box 15192; Wilmington, DE 19850-5192, as soon as possible. We must hear Trom you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but °o uorng so will not preserve your fights, In your letter, give us the following information. •Your name and Account number. $ *The dollar amount of the suspected error. •Oeseribe the error and explain, if you can, why you believe there is an error. U you need mote information, describe the item you are unsure about You do not have to pay any amount in Cuestion while we are investigating, but you are still obligated to pay the parts of your bill that are not in v question. While we investigate your quesfron, er cannot report you as delinquent or take any action to collect the amount you question. Speclal Rule for Credit Card Purchases: Ifypu have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant you may not have to ppaay the remaining amount due on the ponds or services You have this protection only when the purchase price was more than 150 and the pufchase was made in your home state or vnThin 100 miles of your mailing address (If we own or operate the merchant or H we mailed you the advertisement for the goods or semces, all purchases are covered regardless of the amount or location of purchase.) PaymeMS. Send only your payment and the lop portion of this statement in the envelope provided. Do not send cash By sending your check as descnbEd above, you authorize us to use information on your check to make an electronic fund transfer from lyroour account at the financial institution t aicaletl on your check or to process the payment as a. check transaction. If payment is processed as an efeclronic fund transfer, the transfer will De for the amount of the check. When we use information from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as th e same day we receive Yyoouur pa nt and you will not receive your check back from your financial institution. The processing of your payment may be delayed 71 you send cash, correspondence or other items with your payment, it you send the payment to any other addmss or d you use an envelope other than the one provided Payments recerved on or after 1 PM Monday through Friday or on a wnkentl or Wnk holiday will be posted to your Account as of the next business tlay. If you have misplaced your envelope, send lrour payment to Discover Bank, PO Box 15251 Wilmington, DE 19886.5251. Please allow 7.10 days for delivery. If your payment is returned unpaitl, we reserve the fight to resubmd it as an electronic debit You can pay your minimum payment or a greater amount over the telephone. Call us at 1-400-347.2683. You will need this statement and Your Dank account information. You must ensure that sufficient funds are available in pr bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code.. entering those numbers as Your electronic signature, you will be agreem to this authorization to allow us and your bank to deduct each payment you authorize. in the amount roquested by u, from your bank accounC In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment you may notify us by phone at 1-800-347-2683 or by mail at address listed in the previous paragraph. Credit Reporting. We may report Information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected In your credit report We normally report the status and payment history of your Accounf to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover Titanium Card, PO Box 15316, Wilmington DE 19650.5316. Please include your name, address, home telephone number and Account number. Parledlt Fiance Chartist. Except as provided below, we will fig" Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date lhe transaction occurs until the date of repayment and on Old Balances until the dale of repsYmenL Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billin statement on which the Furchase first appears by the Payment Due Date, and the Payments and Credits on that statement eCUal or exceed your f?rewous Balance. We call hs the "grace period" You do not have a grace ppeeriod on balance transfers or cash advances. Periodic Finance Charges are imposed on new Detente transfers and cash advances begimmnu with the date the transaction occurs Periodic Finance Charges are imposed on alt transactions and Old Balances unfit the date of repayment Repayment means pa ent of your entire New Balance. However if you pay the New Balance shown on this billing statement by the Payment Due Date, and the Paymentsmand Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearring^onmthis statement Otherwise, you will recenre a billing statement next month that includes Periodic Finance Charges imposed until the Finance Charges each tlay lor purchases, cash advances, balance transfers and old Balances (which we otter to as transaction following equation: Average Dally Balance x number of days in the billin perod x Daily Periodic Rate. (Refer to the finance front of pouf statement for These amounts) Then we add an the Pen le Finance Charges for each transaction category to inance Charges for your Accauct Tne Average Dairy Balance is shown as 0 tl no Periodic Finance Charges apply to the category fCk average Flat iN balance (including new transactions) method of cakulaling the balance upon worth we impose Periodic means if you_ did _not pay the New Balance shown on .is billind statement you rect. durrnn rte orevirxis are mi d due ml are added to the wrch a transaction category with the exception of Cash Advance Transaction I cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are a gorX If_ a transaction_ made in a previous billing, period is itemized on this statement we consider the in the rv on For TOO ITelecermaimel"ti r Devi" for the Deaf) nsletente, Phi ns CAN 1.400-347-7449. The Discovers Titanium Card is issued by Discover Bank, Member FDIC. VI,(„' °V tK $1,256.10 1$26.00 1 Enter Amount Enclosed Below CARD Payment Due Date $ March 26, 2005 Please make check payable to Discover Titanium l d ine @ Discovercar .com. Card or pay on 27 SDSN6A01 0010087 HOWARD, PATRICIA Will your payment get to us on lime? Pay t b bill li d 162 E LOUTHER ST CARLISLE PA 17013-3027 your paymen can e your on ne an made to your account on the some dayy. Visit entst d Di d / o ay. scovercar .com paym PO Box 15251 Illrrrllrrrrrlrllrrrlrrrlll WIL MINGTON DE 19886-5251 Address, e-mail or pp e n ? a above, or go to Discov .Print your e- il a dress to codcom receive important Account information and special offers. 000001986762010878396012561000026000002600 Discover Titanium Card Account Summary Closing Date: February 27, 2005 page 1 of 1 Account number ending in 3188 Previous Balance $1,271.10 Payment Due Date March 26, 2005 Payments And Credits 26.00 Minimum Payment Due $26.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $3,243.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 11.00 Cash Credit Available $1,780.00 New Balance $1,256.10 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Hel YOU.? 1. Visit Discover.com to pay your 691 For no cost, view jour p latest Account information, earn and redeem rewardsoand more It's your hoice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available, options or to speak with a Customer Service Account Manager - 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Uabilify Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Feb 7 Feb 7 PAYMENT - THANK YOU $ -26.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as credit resource in case of emergency. Call 1.800-DISCOVER or visit Discovercard.com/AdditionalCords today. Call 1.877-353.0941 today or visit Discovercordsom to find out if you qualify for a valuable Balance Transfer offer. It's a Fast and easy way to save moneyl Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03627% 13.24% V 13.24% $0 none Cash Advances $544.48 0.05477% 19.99% F 19.99% $9.25 $0 Balance Transfers $714.32 0.00795% 2.90% F 2.90% $1.75 $0 The rates that apply to your Account are either fixed IF) or they may vary IV) os noted above. Important Security Information: Some criminals imitate the a-mails of legitimate companies to entice people to share personal information. This is known as "phishingg." By following a few simple steps, you can keep your personal information safe and secure. For details, go to Discovercord.com and click on Security Information under Online SoFety. Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. See your Crdeneiliher Agreenent. Your Cardmember Agreement contains all the terms of your Account j Lest or stolen cards. Report immediateyl Call 1400.347-2689. Z Ram RiEhts SUMM In Case of Errors or Questions About Your Bill: g think your bill is wrong, or if you need more information about a o transaction on Vour 1.711, write us on a separate sheet or paper at Discover Titanium; P.O. Box 15192; Wilmington, DE 19850-5192, as soon as possible. We must hear lrom you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but S doing so will not preserve your rights In your letter, give us the following information: -Your name and Account number. 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 item you are unsure about You do not have to pay any amount in Guestion while we are investigating, but you. are still obligated to pay the parts of your bill that are not in question. While we invit"Ate your ques[inn. we cannot report you as delinquent or ake any action to collect the amount you question. Special Rule for Credll Card Purdmn: If o have a problem with the quality of goods or services that you purchased with a credit card, and you have Vied In good faith to correct the problem with the merchant you my not have to pay the remaining amount due on the otl services. You naveNis protection only when he purchase price was more than S50 and the purc Ty was made in your home state or waoI m s100'r miles of your mailing address (if we own or o rate the merchant or if we mailed you the advertisement for the goods or servk:at all purchases are covered regardless Df the amount or location of purchase.) Payments. Send only your paymient and Na top portion r this statement m Ne envelope provided. Do not send cash. By sending your check as dESCrIDEd above, yoU authorl2e Uf l0 USE bformalbn en your CMECk le mike an EIEClr01uC fund traasler from your account at the financial institution intlicated on your check r to process the payment as a. check lasnsacton. If payment is processetl as an electronic fund transfer, the transfer will De lot the amount of the check. When we use infrmalan from your check W make an electronic tund transfer funds may be withdrawn from your account as soon as the same day we receve Your payment antl you will not receive your check back from your financial institution. The procesti?nC? ot your payment may be Belavetl of you send cash, crrespontlence or floor hems with your payment if you send the payment to any other atltlress r d you use an envelope other Nan Ne one prrrvitletl. Payments received on a alter 1 PM Monday through Friday or on a weekend r Dank nolitlaV will be posted to ur Account as ot Ne next Duriness day. S you have muplaced your envelope, send your payment to Diuover Bank, PO Box 15251 Wilminalon, 19886.5251. Please allow 7-10 days for delivery. E your payment is returned unpaid, we reserve the right 1o resubmR it as an eleclronlc tlea?birl You can Dal your minimum payment r a greater amount over Ne telepDhone. Call us al 1-800.3Q-2683. You will need this statement and your bank account information. You must ensure Nat suflbonl funtls are aveieDle in r bank account antl all transactions must comply with LI S law. You will De asketl to provide the first 5 digits r your account statement zip catle. By enlennp Nose numbers as Your electronic signature, you will be agreein g to this authrixation o allow us and your Dank to deduct each payment you aulfiorize, in the amount requested by you, from your bank account In order to cancel a payment we must receive notice at east three tlays in advance of the scheduled payment You may notify us by phone at 1-800-347-2683 or by mail at address listed in the previous paragraph. Credit ReWl". We may report Information about your account to credit bureaus Late payments, missed pa nts, or other defauas on your account may be reflected in your credit report We normally report the status and payment history of your Accoun[ to credit reporting appencies each month . If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Titanium Card, PO Box 15316, Wilmington DE 19050-5316. Please include your name, address, home telephone number and Account number. Perlodle Finance CharSaa Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to Ne last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periabb Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Dale, and the Payments and Credits on that statement *VI or exceed your Previous Balance. We call this the "grace period". Vou do not have a grace pored on balance transfers or cash advances. Periodic Finance Charges are imposed on new bsence Uanstrs antl cash atlvancES Dagmninpp with Ina date the transaction occurs Perrotla: Finance Charges are imposed fin alrUansacbons and Old Balances until the date of repayment Repayment means payment of your entire New Balance. Fkwrever if you pay Ne New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown onpeNis satement equa) or exceed the Previous Balanee, we will not impose Periodic Finance Charges on new purchases Nat M purchases first sale of ie ceVmteh?stsUtement Ollerwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the We compute Perodb Finance Charges. each Day for purchases, cash advances, balance transfers and Did Balances Mich we refer to as transaction caegrlesP by using Ne following equation: Average Daly Balance x number of data in the billin period x Daily Periodic Rate (Refer to the finance char0e summary on thq (font of Your rialemenl for these amounts) Then we add all the Pert is Finance Charges for each transaction category, to gei the m total UansacPeriodichon Finance cate aryes for your Account The Average Daly Balance is shown as 0 9 no Periodic Finance Charges apply to the bbaalance a gay We use the two-cycle avenge dai balance (includin0 new transactions) method of cak:ulaOng Ne balance upon which we impose Periodic Finance Charges. This means if you, did _ not pay the New Balance shown on the billing statement you received dunna the Drevious we balance transfer transaction category If a transaction nude Ira -previous billingg period is itemized on date to be the first day or the currenT billing period when we calculate your Perkraic Finance Charges For TDD (Teeeanrrnurknbn Devoe for the Deed) assistance, please cab 1-800-347-7449. The DiscoverA Titanium Card is issued by Discover Bank, Member FDIC. Ula% 1i,_.iw CK $2,267.47 $46.00 Enter Amount Enclosed Below CARD L__-.____. ___.._ Payment Due Date _. . J $ April 26, 2005 Please make check payable to Discover Titanium Card or pay online Discovercard.com. 27 SDSN6A01 0010088 HOWARD, PATRICIA Will your payment get to us on time? Pay your bill online and your payment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 made to your account on the same dayy. Visit Discovercard.com/paymentsloday. PO BOX 15251 IIIn111upolio 11 1111111111 WIL MINGTON DE 19886-5251 Address, e-mail or lone chaneg ppaa 1111 Il e sc 9 l rl m n p l, lrrlrrlrlrrl I Ill 111111111111111111111111 1 111 1 1 above, go to Di o ercard. om v Print you e- ail addrass to 1 1111 1 11 receive important Account information and special offers. 000001986762010878396022674700026000004600 Discover Titanium Card Account Summary Closing Date: March 27, 2005 page 1 of 1 Account number ending in 3188 Previous Balance $1,256.10 Payment Due Date April 26, 2005 Payments And Credits - 26.00 Minimum Payment Due $46.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 982.56 Credit Available $2,232.00 Balance Transfers + 0.00 Cash Credit limit $2,300.00 Finance Charges + 54.81 Cash Credit Available $798.00 New Balance $2,267.47 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? I . Visit Discover.com to pay your bill for no cost, view ur I? latest Account information, earn and redeem rew ?'and more It's your choice - 3 wa to help 2. Call 1.800.DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 8 Mar 8 PAYMENT - THANK YOU $ -26.00 Cash Advances Mar 4 Mar 4 CASH ADVANCE CHECK #0537 332.56 Mar 4 Mar 4 CASH ADVANCE TRANS FEE FINANCE CHARGE 9.98 Mar 14 Mar 14 CASH ADVANCE CHECK #0540 650.00 Mar 14 Mar 14 CASH ADVANCE TRANS FEE FINANCE CHARGE 19.50 Information For You Call 1-800.767-73 1 5 today or visit Discovercord.com to find out if you qualify for a valuable Balance Transfer offer. It's a fast and easy way to save money[ Paperless statements can jumpstart your spring cleaning) Gel rid of the excess paper in your life by receiving your Discover(R) Card statements online instead of by"mail. You'll get an e-mail letting you know when your statement is ready to view online. You can even pay your bill online while you're there. Go to Discovercard.com to sign up. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $691.73 0.03696% 13.49% V 13.49% $7.16 none Cash Advances $1184.76 0.05477% 19.99% F 48.26% $18.17 $29.48 The rates that apply to your Account are either fixed IF) or they may vary (V) as noted above. Did you know that millions of credit cards are lost or stolen every year? The Register(R) can help prevent credit cord fraudl In the event your cards are lost or stolen, we'll cancel them and have new ones reissued to you. Plus, you'll receive a credit report $ 60 day monitoring. Call 1.800-347.3395 or visit Discovercard.com to enroll. Important Information. If there is more than one page to this billing statement see the back of each page lot additional important information. See Vow CarOrnmuDer Agreement. Your Cardmember Agreement contains all the terms of your Account. o Lost a Nolen cards. Report immediately. Call 1-800-E47-2683. z Billing Rights Surmob . In Case of Errors or Ouestions About Your Bill If ru think your bill is wrong, of if you new more information about a o transaction on your bit. write us on a separate sheet of paper at Discover Titanium; P.O Box 15192; Wilmington, UE 19050.5192, as soon as possible o We must hear Trom you no later than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, but o doing so will not preserve your rights. in your letter, give us the following information: 8 Your name and Account number. -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 item you are unsure about You do not have to pay any amount in guestwn 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 qua ion, we cannot report you as delinquent or lake any action to collect the amount you question. Epeelal Rule for Credit Card Purchases: If You have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant you ma not have to pay the remaining amount due on the goods or services. You have this protection only when he purchase price was more than SO and the purchase was made in your home state of wi hm 100 miles of your mailing address.. (If we own or operate the merchant or if we mailed you the advertisement for the goods of services, all purchases are covered regardless of the amount or location of purchase.) PayrneMS. Sentl only your payment antl, the top portion d this staemenl in the envelope proviOatl. Do not send cash. By sending your check as tlescribed above, you authorize us b use information on your check to make an electronic fund tranrier from yyoouur acount at the financial institution intllealed on your check or m prceess the payment as a check transaction. II payment n prouessetl as an electroncic fund transfer, the transfer will ba for the amount of the check. When we use inlormalinn from your check to make an elecUOnic funtl transfer funs may be withdrawn from your account as soon as the same tlay we receive your payment and you will not receive your check back from your briancial institution. The processing of your payment may be delayed d you send cash, correspondence or othn ilema with your ;aliment if you send the payment to any other address or if you, use an envelope other loan the one provided. Payments received on or alter 1 PM Monday through Friday or on a vreekenO a Dank holitlay will De pesleO to r Account as of the next business day. d you have misplaced your envelope, send your payment to Discover Bank, Po Box 15251 Wilmingyton, DE 19886-5251. Please allow 7-10 days for delivery. d your payment is returned unpaid. we reserve the right lO refUDlllll it. ai an electronic dEDil You can pay r minimum payment or a greater amount over the lekpnone GII us al 7.800.347.2683. You will need this statement and your bank account intermalwn. You must enwre that wfficienl funds are awilaDle in Yyoour bank account antl all transactions must comply with U.S. law You will be askn to provitle the first 5 tlgds of your account sulemenl zip code. By entering loose numbers as your eloctronic signature, you will be agreeing id this authorization to allow us and your bank to deduct eace payment you autllodze, in the amount requested Dy yDu, from your bank aecoun In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment Yes may notify us by phone at 1.600-347-2683 or by mail at address listed in the previous paragraph. Credit Report". We may report information about your account to credit bureaus Late payments, missed pa menns, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting aggencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Titanium Cara PD Box 15316. Wilmington DE 19850-5316. Please include your name, address, hone telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date te transaction occurs until the date of repayment and on Cad Balances until the dale of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoie payment of Pertotlic Finance Charges on new purchases H you pay the New Balance shown on the billing statement on which the Wrchase first appears D1l the Payment Due Date, and the Payments and Credts on that statement epual or exceed your revious Balance We call this the "grace period You do not have a grace penod on balance transfers or cash advances. P1 notiic Finance Charges are imposed on new balance transfers antl cash advances begmnin9g who the date the transaction occurs Periodic Finance Charges are imposed on dill transactions and Old Balances until the date of mpayment Repayment means pa nt of your entire New Balance. However, d you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement eOUal a excen the Previous Balanee. we will not impose Periodic Finance Charges on new purchases, that is, purchases first aDpeanng on this statement Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the aorta of repoYyment.. We coinpule Porwtlic Finance Charges each day la purchases, cash advances, of balance transfers and Old Balances (which we refer to as transaction fly Balance x number of d' in the Dillin ;ante x Daily Periodic Rate. (Refer r to o the finance categories) by using Ne following equation: Average D ese charOe summary on the Iront of youi sWlemenl la these amounts.) Then we adll the Perk Finance d no far each transaction category gget the total Pennic finance Chafges for your to The Averages Daily Balaalance is mown as s 0 0 d no Periodic Finance Charges apply to the e balance in a transaction category. We use the two-cycle average daily balance (including new transactions) method of calculatinC the balance upon which we Impose Periodic Finance Charges. This means if 1rou did not pay the New Balance shown on the billing sl3lament you received dungy Ne previous billing period by the Payment Due Date, we will impose Periodic Finance Char es on new purchases that first appeared on that billing statement. as well as new Wrchases that first appear on this billing statement unless we aready imposed Periodic Finance Charges on the purchases Old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daffy balance transfer transaction category. Balance transfers that were supiect to an inibal special rate that has been barmnated due to a late pa nl or because you exceetletl Your Account credit limn are also included in the category until the initial special rate otherwise would nave ex intl. In rakulaling thou tlaiy balance of the balance transfer transaction category on the first day of the bi im Perin, we subtract the unW?id Dalence of those Balance Transfer Transaction Fee Finance Charges and balance transfers Nat become purchase rate balance transfers on that tloY and wE adtl that unpad balance to the batance of the purchase transaction category.. All fees charged to yO1Ir Account are added to the purchase transaction category with the exception of Caste Advance Transaction Fee Finance Charges winch are added to the cash a._nee UanaaC(fgh Ca1EgOry and Balance Transfer TnneacGgrl FEe Finance Charges which arc addetl to the baWrfce transfer transaction categoryy. tt_ a transaction matle m a previous billingg periotl is inmizetl on this snlement we consider the transaction date to be the first day of the current billing period when we calculate your PenoOic Finance Charges. For 700 (TekeammWeNbn Device for the Dean asshtaiee, please call 1-800-347-7448. The Discoverer Titanium Card is issued by Discover Bank. Member FDIC. UDLi,, ,V tK $2,247.69 $45.00 1 Enter Amount Enclosed Below CARD Payment Due Date $ L May 26, 2005 Please make check payable to Discover Titanium Card or pay online @ Discovercord.com. 27 SDSN6A010010089 HOWARD, PATRICIA Will your payment get to us on time? Pay 162 E LOUTHER ST your bill online and your payment can be made to your account on the some dayy. Visit CARLISLE PA 17013-3027 Discovercard.com/paymentstoday. PO BOX 15251 111rrr111111ArIIrrr1111111 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space above, or go to Discovercord.com. Print your e-mail address to receive important Account information and special offers. 000001986762010878396022476900046000004500 Discover Titanium Card Account Summary Closing Date: April 27, 2005 page 1 of t Account number ending in 3188 Previous Balance $2,267.47 Payment Due Date May 26, 2005 Payments And Credits - 46.00 Minimum Payment Due $45.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $2,252.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 26.22 Cash Credit Available $798.00 New Balance $2,247.69 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? I . Visit Discover.com to pay your 611 for no cost, view ur I? latest Account information, earn and redeem rewardsoand more It's your choice - 3 Ways to help 2. Coll 1-800-DISCOVER (347.2683) for Fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write Os at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr 6 Apr 6 PAYMENT - THANK YOU $ -46.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as credit resource in case of emergency. Call 1-800-DISCOVER or visit Discovercard.com/AdditionalCards today. Paperless statements canaumpstart your spring cleaning) Getsid of the excess paper in your life by receiving your . . Discover(R) Card statements online instead of by mail. You'll get an e-mall lofting you know when your statement is ready to view online. You can even pay your bill online while you're there. Go to Discovercard.com to sign up. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $659.11 0.03764% 13.74% V 13.74% $7.69 none Cash Advances $1588.43 0.03764% 13.74% V 13.74% $18.53 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. What if your credit falls into the wrong hands? Reduce your risk of identity theft and credit fraud with ProfileProtect(R). This comprehensive service helps safeguard you against misuse of your personal credit information. Visit ProfileProtect.com/safe for more information or to enroll. Important Inlwnation. If there is more than one page to this billing statement, see the back of each page for additional important information. See year Cardmelnber Agroement. Your Cardmember Agreement contains all the terms of your Account CA Lot or stalen eandi. Report immediately. Call 1-800-347-2663. Z m s18Yrg Rights summry. In Case of Errors or Questions About Your Bilk If you think your bill is wrong, or N you need more information about a o transaction on Your b0f, write us on a separate sheet of paper at Discover Titanium; P.0 Box 15192; Wilmington, DE 19850.5192, as soon as possible We must heat nom you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but _8 doing se will not preserve your rights In your letter, give us the following information: *You( name and Account number, 8 *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 item you are unsure about You do not have to pay any amount in qauestion 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 delinquent or take any action to collect the amount you question. Spacial Rub Ow Cradt Cwt Puielrses: Nyou have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the pWroblem with the merchant, you mayy not have toW y the remaining amount due on the oootls or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or vnlhm 100 miles of your mailing address. (If we own or operate the erchanl, or if we mailed you the advertisement fix the goods or services, all purchases are covered regardless of the amount or location of purchase. to. Send only your . yment and the top portion of f above, you authon2a us to use information on your I on your check or to process the payment as a the e amount of the check. When we use information I as soon as the same day we receive r payment i xocessin of your payment may be r ra if you s r addm or of you use an anveloba er than th ie asked to provide I to this authorization In order to cancel 1-000-347-2683 oil in the envelope provided. Do not send cash. By sending your check as an electronic fund Uansfer from rut account at the financial institution If payment is processed as an electrons: fund transfer, the transfer will to make an electronic fund transfer funds may be withdrawn from your Fee we your check back from your financial institution. pondence or other items with your payment if you send the payment to Payments received on or after 1 PM Monday through Friday or on a uness day If you have misplaced your envelope, send your payment to 0 nays for delivery If your payment is returned unpaid, we reserve the hone. Call us at 1.600.347-2663 You will need this statement and ypur As in Maur bank account and all transactions must comply with U.S. law :ode. By enteringg Nose numbers as lour electronic signature, you will be rymenl you autfiorize, in the amount requested by ou, from your bank nee days in advance of the scheduled payment Yyou may notify us by Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed pa?mrents. or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Accoun to credit reporting PaOgencies each month. If you believe that our report is inaccurate or incomplete, pease write us at the following adC ess Discover Titanium Card, Box 15316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number. Perpde Flonce CNOrges Except as provided below, we will imeoser Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dafCee the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billing, statement on which the Wrchase first appears by the Payment Due Date, and the Payments and Credits on that statement a seal or exceed your evious Balance. We call his the "grace period". You tlo not have a grape ppeeriod on balance transfers or cash advances. Periodic Finance Charges are imposed on new ba lance transfers and cash advances beginnin00 with the date the transaction occur: Periodic Finance Charges ate imposed on at transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However, if you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the date of repayment We compute Periodic Finance Charges. each dal, for purchases, cash advances, balance transfers and OW Balances which we refer to as transaction categories by using the following equation: Average Daily Balance x number of days in the billing penal x Daily Per?odic Rate (Refer to the finance charge summary on the front of your statement for these amounts) Then we ad all the Periodic Finance Charges for each transaction category to gel the total Periodic Finance Charges for your Account. The Average Deily Balance is shown as 0 if no Periodic Finance Charges apply to the balance in a transaction category. We use the two-cycle average daily balance (includin Finance Ch &:w transactions) method of calculating the balance upon winch we impo Periodic arger. This means it 1 did not pay the Ba you lance shown on the billing statement you received dung these previous lulling period by the Paymen Due Dale, we will impose Periodic Finance Char es on new purchases that brat appeared on that trilling statement as well as new purchases that first appear on this d I"I in sUlement unbar we aPreatly impoed Periodic Finance Charges on the purchases on your ptewous tr fling statement We compute the averapa derpry balance for each Uansaclion category by add g up all the daily balances in a DiI1Ng period for a transaction category and dwitling the total by the number of days in the Dillinpp cycle. We compute the daffy balance for each lransac ion calegay on each day by first adding Ne following to Ne previous lays daily balance transacUOns made that day, fees charged that day and Periedio Finance Cnar er accrued on Ne previou s days daily balance, and by then ruDtrachir any credits and p ayments Nat are applied against the balance of the t°ansaction category On Nat day. In calculating the daily balance for Ne previous billing perioQ we consider the "previous dew's dairy balance" to have been 0 on the first tlay of Ne trilling period. Old Balances are excluded from the balance of tiff: purchase and cash advance transaction cale0ortes Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in Ne daffy balance transfer Iran saction category. Balance transfers that were suDiect to an initial special_nte that has been lermmaled due to a_Iate payment or because you exceeded your Account credit limit are also included in the trial Decome purenase rate balance transfers on mat day and we add that unpaid balance to the balance of the purchase transaction cafe All fees charged to ur Account are added to the purchase transaction category with the exception of Cash Advance Transaction F Charges welch are added to the cash advance lranuctbn category and Balance Transfer Transaction Fee Finance Charges which are a balance transfer transaction category If ,a transaction made in a previous billing period is itemized on this statement, we consider the date to be the first day of the currenT billing period when we calculate your Per is Finance Charges. For TOD (TeleconiorrYealbe Devoe for the Decry assistance, please call 1-800-347-7449. The Discover® Titanium Card is issued by Discover Bank, Member FDIC. LAZIL. Y M $2,808.63 $57.00 Enter Amount Enclosed Below CARD ?_....___ - ___.. _.. _? Payment Due Date $1 July 26, 2005 Please make check payable to Discover Titanium Card or pay online o Discovercard.com. 27 SDSN6A01 0010091 HOWARD, PATRICIA Will your payment get to us on time? Pay your bill online and your payment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 made to your account on the same day. Visit Discovercard.com/paymentstoday. PO BOX 15251 IIIrr111rrrrrlrIll rIII still I WILMINGTON DE 19886-5251 Address, wmail or telephone change? Print change in sppi?ce above, or go to Discovercard.com. Print your e-mail address to Irrrlllrlrrlrrli?irlrllrrrlrlr i rlrl i lrlrr 111 It ?rlrrrrlllrlrrl r receive important Account information and special offers. 000001986762010878396028086300057000005700 Discover Titanium Card Account Summary Closing Date: June 27, 2005 page 1 of 1 Account number ending in 3188 Previous Balance $2,834.27 Payment Due Date July 26, 2005 Payments And Credits - 57.00 Minimum Payment Due $57.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $1,691.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Firance Charges 31.36 Cash Credit Available $798.00 New Balance $2,808.63 You may be able to avoid Periodic Finance Charges , see the reverse side for details. How Can We Help I . Visit Discover com to pay your bill for no cost, view your p You? latest Account information, earn and redeem rewards and more It's your choice - 3 Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card avoilable. options or to speak with a Customer Service Account Manager For TDD assistance For hearing impaired) see reverse side 3. Write us of Discover Card, PO Box 30943, ( Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 5 Jun 5 PAYMENT - THANK YOU $ .57.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rote is subject to the terms of the offer including expiration. FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as a credit resource in case of emergency. Call 1-800-DISCOVER or visit Discovercard.com/AdditionalCards today. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $615.18 0.03833% 13.99% V 13.99% $7.31 none Cash Advances $1625.48 0.03833% 13.99% V 13.99% $19.31 $0 Balance Transfers $566.51 0.02712% 9.90% F 9.90% $4.74 $0 The rates that apply to your Account are either fixed IF) or they may vary IV) as noted above. Call 1-800-767.7315 today or visit Discovercord.com to Find out if you quality for a valuable Balance Transfer offer. It's a fast and easy way to save money) Important Information. 9 there is more than one page to this billing statement see the back of each page for additional important M ormaton See your Cardmerrseer Agniusa erst. Your Cardmember Agreement contains all the terms of your Account CA Lost or stakes cards. Report immediately. Call 1400-347-2683. Z BOO Rights Srrsmary. In Case of Errors or Ouestions About Your But if you think your bill is wrong, or a ycu need more Information about a o transaction on ur bill, write us on a serate sheet of paper at Discover Titanium; P.O. Box 15192: Wilmington, E U 19850-5192, as soon as possible. " d We must will rom you no later than 6g days after we sent you the first bill on which the error or problem appeared. You can telephone us, but °o 9 PRISINVII Your rights. In your letter, give us the following information: .Your name and Account number. .The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an errof. If you need more information, describe the item you are unsure v You tle not have to pay any amount in Cuestion 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 delinquent or take any action to collect the amount you question. SpeclY Rude for CreW Crd Pmohnes• 9 you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the pprroblem with the merchant you may not have to y the remaining amount due on the ggoods or services. You have this protection only when the purchase price was. more than S50 and the purchase was made in your home state or wghin 100 miles of your mailing address. pf we own or operate the merchant or d we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) ns. beno onry, your ayment and the lop portion of this statement in the envelope provided. Do not send cash. By sending your check as ,it above, you author a us to use information on your check to make an electrons; fund transfer from yyoour account 31 the financial institution don your check or to process the payment as a check transaction. If pa ent is processed as an electronic fund transfer, the transfer will re amount of the check. When we use information from your check to make an electronic fund transfer funds may be withdrawn from your as soon as the same day we receive Your payment and you will not receive your check. back from r financial institution. processmD of your payment may be tlelaved if you send cash, correspondence or other items with dur Payment, it you send the payment to at address or If You use an envelope o er than the one provkletl. Payments received on or after 1 PM Monday through Friday or on a f or bank holida will be posted to r Account as of the next business day 9 you have Misplaced your envelope, senq: ?nwr payment to Bank, PO Box 15251 Wilrmnnggton, DE 19086.5251. Please allow 7.10 days for delivery. If your payment 's returned unpa we reserve the resubrin a as an ekc6on0 tlebil You can y Your mmlmum payment or a greater amount over the tale hone Call us at 1-800.347.2683. You will need this statement and your bank accoun informaton. You must ensure that sufficient funds are available in Your bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By enterllsp those numbers as Your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you aul arum, in th e amount requested by tom yyopur bank account In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment Yoouu may n5lify us by phone at 1.800-347.2663 or by mail at address listed in the previous paragraph. CmdN Reparlhsg. We may report information about your account to credit bureaus. Late payments, missed pa nu, or other defaults co your account may be reflected in your credit report We n ma0y report the status and payment history of your Account to credit reporting apencies each month. N you believe that our report is inaccurate or incomplete, please write us at the following adtlrest Discover Titanium Caro PO Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Pakedk FBmrree Chaises Except as provided below, we will impose Periodic Finance Char es on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Bi ances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Gurchase first appears by the Payment Due Date, and the Payments and Credits on that statement eVl or exceed your Previous Balance. We call this the "grace period". You do not have a grace ppeerod on balance transfers or cash advances Periodic Finance Charges are imposed on new balance transfers and cash advances begunnun with the date the transaction occurs. Periodic Finance Charges are imposed on alt transactions and Old Balances until the date of repayment Repayment means pa nt of your entire New Balance. However if you pay the New Balance shown on this baling statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is. purchases first that includes Periodic Finance Charges imposed until the appearing on tbis stafement Otherwise, you will rettive a bitting slalemenl next month dale of repoymant We compute Porbduc Finance Charges eacD day for purchases, cash adwnCars Dauance tansfns and OItl Balances (which we refer to as transaction calapaies) by using the following equation: Average Daily Balance x number of tlays in the billing period x Dairy Periodb Rate. (Reber to the finance char0e summary on thgfronl of yaw statement for these amounts.) Then we adA all the Porrodic Finance Charges tin A ge ry, each lransacUai category o get tie loUl iodc ce Charge IF for your Accoun It The vera Dai nee us e shown as 0 if no Piodic Finance Charges apply to ilia balan ce una Per i Fria transaction calesory. We use the two le avera tla,H balance (me, ding Raw transactions) method o/ calculating ma balance upon which we Im Poriodue Fiq ntt Charges. This means if ou_ tld not pay the New BaWntt shown on th e lolling sutement wu recexMn m.ua• n.e .. puiunase ram carefree Iansrers on that day and we add that unpaid balance to ti All fees charged to your Account are added to the pmchase transaction caclegTory with thi Charges which are added to the cash advance tansacli'on category an0 Balane ransfer Tra balance transfer transaction calegol.. If a transaction made in a previous bull period is it date to be the first day of the current billing period when we calculate your PerrodI Finance ( For TOO (Tekeeannrmkation Device for the Deat? ardstance, pima Call 1400-347-7449. The DiscoverO Titanium Card is issued by Discover Bank, Member FDIC. I rate balance transfers and Balance ice transfers that were subl'ect to an credit lime are also included in the nee transfer transaction category on lance Charges and balance transfers rutransaction category Prentiss Transaction Fee Finance ice Charges which are added to the lament we consider the transaction NIJ%. V rm 53,152.44 1 $66.00 1 Enter Amount Enclosed Below CARD i_..- .._ __...- _..__ __ Payment Due Date $ August 26, 2005 Please make check payable to Discover Titanium Card or pay online 0 Discovercard.com. 27 SDSN6A01 0010092 HOWARD, PATRICIA Will your payment get to us on time? Pay 162 E LOUTHER ST your bill online and your payment can be CARLISLE PA 17013-3027 made to your account on the same day.Visit Discovercard.com/payments today. PO BOX 15251 IIIurlluurlrlluJurlll WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space Ir?illlrlrrlrrlr?rrlrrllrrrlr?rrrlrlrlrlrrrillrlrlrrrrllliliil above, or go to Discovercard.com. Print your e-mail address to receive Important Account information and special offers. 000001986762010878396032524400060000006600 Discover Titanium Card Account Summary Closing Date: July 27, 2005 page 1 of 1 Account number ending in 3188 Previous Balance $2,808.63 Payment Due Date August 26, 2005 Payments And Credits 60.00 Minimum Payment Due $66.00 Purchases + 29.00 Credit Limit $4,500.00 Cash Advances + 441.00 Credit Available $1,247.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 33.81 Cash Credit Available $357.00 New Balance $3,252.44 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Hel You? 1 • Visit Discover corn to pay your 611 for no cost, view our I? latest Account information, earn and redeem rewardsoand more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available, options or to speak with a Customer Service Account Manager For TDD 3. Write us at Discover Card, PO Box 30943, (assistance for hearing impaired) see reverse side Salt Lake City, , LIT UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credits Jul 6 Jul 6 PAYMENT - THANK YOU $ -60.00 Other/Miscellaneous Jul 7 Jul 7 CASH ADV RTRN CHK FEE #7596 29.00 Cash Advances Jul 6 Jul 6 CASH ADVANCE CHECK #7595 150.00 Jul 7 Jul 7 CASH ADVANCE CHECK #7593 171.00 Jul 8 Jul 8 CASH ADVANCE CHECK #7594 120,00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Call_ 1.877353.0941 today or visit Discovercard.com to find out IF you qualify for a valuable Balance Transfer offer. It's a fast and easy way to save money) Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FIN FINACHARGES Balances Rates RATES RATES CH GES current billing period: 30 days Purchases $622.41 0.03833% 13.99% V 13.99% $7.16 none Cash Advances $1955.48 0.03833% 13.99% V 13.99% $22.49 $0 Balance Transfers $512.25 0.02712% 9.90% F 9.90% $4.16 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. TRANSFER BALANCES - Call - 1.877.353.0941 today or visit Discovercard.com to see what Balance Transfer rate is available for you. Pay off loans, bills or take that summer getaway. It's a fast and easy way to save moneyl ImporlaM Inlonnallon. 0 there is more than one page to this billing statement, see the back of each page for additional important information. In your Cordmsrnher Ageament. Your Cardmember Agreement contains all the terms of your Account o Lost as stollen cards. Report immediatetyl Call 1-600.947.2685. Z Bueng NW48 flumes in Case of Errors or Duestions About Your Bill: 9 You think your bill is wrong, or if you need more information about a o transaction on your WIf, write us on a separate sheet of paper at Discover Titanium; P.0 Box 15192; Wilmington, DE 19850-5192, as soon as possible. o We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but o doing so will not preserve your rights. In your letter, give us the following information: o •YOur name and Account number. o -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 item you are unsure about. You do not have to pay any amount in gueslan while we are investigating, but you are s011 obligated to pay the parts of your bill that are not in question. While we investigata your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Nude for Credit Cord Purchases: rc you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried m good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when a purchase price was. more than S50 and the purchase was made in your home state of within 100 miles of your mailing address. (If we own or rate the merchant, or if we mailed you the advertisement for the goads or services, all purchases are covered regardless of the amount or location of purchase.) PayasMS. Send only your payment and, the lop portion ol this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorite us fe use information on your check to make an Nectronlc funtl Transfer from your account at the financial institution intllcaled On your check or fe process the payment as a check tansection. If pa enl is processetl as an electronic fund transfer, the transfer will be for the amount of the check. When we use mfamallon from your check to make an electronic fund Transfer, funds may be withdrawn from your account as soon as the same day we receive r payment and you will not receive your check track from your financial Institution. The?rocessing of your payment may De elaved it ya send casD, correspontlence or other items with your Went if you send the payment to any oth r address or d yoq use an envelope other loan the one providetl Payments recavetl on or at 1 Went through Friday or on a weekend or Dank holiday wdl De posted to r Account as of the next business tlay. tt you haw misplaced your envelope, send your payment to Discover Bank, PO Boz 15251 Wilmington, DE 19886-5251. Please allow 7-10 days for tlebvery. If your payment is returned unpaid. we reserve the riphl to resuDmg it as an electronic debit You can Pay Your minimum payment or a greater amount over the telephone. GII us at 1-Bg0-347.2683. You will need this statement and your bank accoun Inf gallon. You must ensure that suflloienl funtls are averts le inyo ur Dank account, and all transactions must comply with U.S. law. You will De asked fe provide the tirsl 5 dlilt gds ol your account statement zip cotle. uy enlerinaa loose numbers as your electronic signature, you will be agreeing to this authorintion to alkwr us and your bank to deduct each payment you 'advance orize, in the arrloun requested by you, from your bank accounCC In order to cancel a payment we must receive notice at least three days m advnnce of the scheduled payment You may notify us by phone at 1-800.347.2683 or by mail at address listed in the previous paragraph. CroM ft We may report information about your account to credit bureaus. Late payments, missed pa gents, or other defaults an your account y be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete. please write us at the following address Discover Titanium Card, PO Box 15316. Wilmington OE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Fhlanee Charges Except as provided below, we will impose Periodic Finance Chargpes on purchases, cash advances and balance transfers beginning with the dafe the transaction occurs until the date o1 repayment and on Old Balances until the date of repsygent. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the ppurchase first appears try the Payment Due Date, and the Payments and Credits on that statement eVI or exceed your revious Balance. We call This the "grace period". You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances begmnmg with a date the transaction occurs Periodic Finance Charges are imposed on elf transactions and Old Balances unlit the date of repayment. Repayment means paVment of your entire New Balance. However, if you pay the New Balance shown on this billing statement by the Payment Due Dale, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appeanng on this statement. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the date of repayment We comfule Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories by using the following equation: Average Dairy Balance x number of days in the DillinG periotl IF Daily Periodic Rate (Roller to the finance charge summary on the front of your statement for these amounts.) Then we add all the Periodic Finance Charges for each transaction category to gel a total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Penodlc Finance Charges apply to the balance in a transaction category . We use the two-cycle average tlaily balance (including new transactions) method of calculating the balance upon which we Impose Periodic Finance Charges. This means tt you tlid not pay the New Balance shown on the billing statement you received durin g the previous billing period try the Payment Due Date, we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement as. well as new purchases that first appear on this bI Il ing statement, unless we a ready imposed Periodic Finance Charges on the purchases onyouur previous billing statement We compute _the average daiN balance for each transaction category by adding Up all the daily balances in a in the ory on All fees Cnargaci to your Account are added tD the purchase transaction category with thr Charges wnicn are added to the cash advance transaction category and Balance Transfer Tfa balance transfer transaction category. If a transaction made in a previous Ddling period is it dale to be the first day of the curren billing period when we calculate your Pen is Finance For TDD (TNecerr munlica0on Device for the Deal) assistance, plane call 1-800-547-7440. The Discover® Titanium Card is issued by Discover Bank, Member FDIC. L ZA-': V CK $3,223.58 $65.00 Enter Amount Enclosed Below CARD Payment Due Date $--1 September 26, 2005 Please make check ayyable to Discover Titanium Card or pay online Discovercard.com. 27 SDSN6A01 0010093 HOWARD, PATRICIA Will your payment get to us on time? Pay your bill online and your a ment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 p y ma de to your account on the some do Visit Discovercard.com/payments today. PO BOX 15251 Illrrrllrrrrrlrllrrrlrrrlll WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in s ace above or o t Di d P l Iris)Ilrlrrlrrlrlrrlrrllrrrlrlrrrlrlrlrlrrrrllrlrlrrrrlllrlrrl , g o scovercar .com. rint your emai address to receive important Account information and special offers. 000001986762010878396032235800066000006500 Discover Titanium Card Account Summary Closing Date: August 27, 2005 page 1 of 1 Account number ending in 3188 Previous Balance $3,252.44 Payment Due Date September 26, 2005 Payments And Credits 66.00 Minimum Payment Due $65.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $1,276.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 37.14 Cash Credit Available $357.00 New Balance $3,223.58 You may be able to avoid Periodic Finance Charges, see the reverse side For details. How Can We Help You? p 1 • Visit Discovsr.com to pay your bill for n t o cos, vlew our latest Account i fo ti d d d( d It's your choice - 3 ways to help n rma on, earn an re eem rewar an more 2. Call I.800•DISCOVER (347.2683) for fast, easy self-service Pleas have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) sae reverse aids 3. Write us at Discover Card, PO Box 30943, Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 7 Aug 7 PAYMENT- THANK YOU $ -66.00 Information For You Discover Bank Money Market and CD Account rates consistently beat national overagesl' View our rates at Discoverbank.com, or call 1-800-347.7000 to speak with an Account Manager. Open an Account today and mention code: SM0805M. Member FDIC. `Based on comparison of rates reported in a recent survey of financial institutions by BanxQuote.com. Paying your Discover(R) Card bill online at Discovercord.com is the fastest, most convenient way to make your monthly payment. All you need is your checkbook - enter your banking information once during sign-up and you'll never have to enter it again. Visit the Account Center at Discovercard.com and you can begin making payments right away. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Transaction Periodic Fee Daily Bala Periodic t R PERCENTAGE PERCENTAGE RATES FINANCE FINANCE nces a es RATES CHARGES CHARGES current billing period: 31 days Purchases $629.80 0.03901% 14.24% V 14.24% $7.62 none Cash Advances $2111.28 0.03901% 14.24% V 14.24% $25.53 $0 Balance Transfers $475.26 0.02712% 9.90% F 9.90% $3.99 $0 The rates that apply to your Account am either fixed (F) or they may vary (V) as noted above. Use your Discover(R) Card with confidence knowing that it has the identity fraud services ranked #1 by Javelin Strategy & Research. Your account is protected anytime, anywhere with $0 fraud liability guarantee and we'll call you right away if there is unusual activity on your account. To learn more, visit Discovercard.com/protection. Important Inks mallon, If there is more than one page to this billing statement see the back of each page for additional important information see your Cardlnember Agreement. Your Grdmember Agreement contains all the terms of your Account N Last ar stolen cared. Report immediately! GII 1.600447-2666. Z Milli rVels summery. In Case of Errors or Oueslions About Your Bill: s ou think your bill is wrong, or if you need more information about a o transaction on Your dlt write us on a separate sheet of paper at Discover Titanium; P.0 Box 15192: Wilmington, DE 19650-5192, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but S doing so will not preserve your rights. In your letter, give us the following information: *Your name and Account number. g *The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. 9 you need more information, describe the item you are unsure 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 delinquent or take any action to correct the amount you question. Special Bole for Cmdlt Cord (Anchises: N u have a problem with the quality of goods or services that you purchased with a credit card, and you. have tried in good faith to correct the problem with the merchant you may not have to y the remaining amount due on the cods or services. You have this protection only when the purchase price was more than 650 and the purchase was made in your home state or wlhm 100 miles of your mailing address. (If we own of rate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless ct the amount or location of purchase.) tMymalq. Send any your payment an0.the top portion of Nis statement m the emebpe provided. Do not send cash. By sending your check as described above, you authorize us to use mfwmallon on your check N make an electronic fun0 transfer in rut account at the financial institution indicated on your check a b proce? the payment as a. check transection. If payment is gqacessed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an eeclronic funtl transfer funds may be withdrawn from your account as soon as Ne same day we receive Your payment antl you wig not receive your cDeck. back from r linanciat institution. The processing of your payment may he CeWVed d you send cash, correspondence or other items with our payment, if you send the payment to any other address or d you sea an envelope o er than Ne one provided. Payments received on or alter 1 PM Monday through Friday or on a weekend or bank holiday will De posted N ur Account as of the next business day If you Dave misplaced your envelope send your payment to Discover Bank, PO Box 15251 Wilmmggion, DE 19686-5251. Phase allow 7-10 days for delnrory. If your payment is returned unpai . we reserve the tight to resubmit d as an electronic tlebit You can pay your mnimum payment o a greater amount over the tolephone. Call us at 1.800-347.2683. You will need this statement and Your Dank account mlormatbn. You must ensure Nat su/liclent funds are available in your bank account antl all transactions must comply with U.S. law. You will be asked N provide the first 5 digits ct your account statement zip coda. By entering g Nom numbers as your electronic signature, you will be agreeingg to this authorization N allow us and your bank to deduct each payment you auinorua. in the amount requested by you from your bank accounC In order to cancel a payment we must receive notice at least three days in advance ct the scheduled payment You may notify us by phone at 1.600.347.2683 or by mail at address listed in the bievious DaradlaDh. Credit Repot ". We may report information about your account to credit bureaus. Late payments, missed pa tits, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account N credit reporting agencies each month. If you believe that our repot is inaccurate or incomplete, please write us at the following address. Discover Titanium Grd, PO Sox s each 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Flounce Chvaea. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the da the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your fievious Balance. We call this the "grace period". You do not have a grace period on balance transfers or cash advances Periodic Finance Charges are imposed on new balance transfers and cash advances beginnin0 with the date the transaction occurs. Periodic Finance Charges are imposed on atf transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However if you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is. purchases first Gale of ?p onVmtno?st statement Otherwise, you win rec ei ve a bng statem'rut next month that includes Periodic Finance Charges imposed unlit the We compDute'a'-b Finance Charges. each tlay for purchases, cash advances, balance transfe rs an d Ol d Balan s hich refer ce w we to as transaction categories) by using the following equation: Average Oany Balance x number ct days in Ne Di0fn period x Giy Perlaeic Rate. (Refer N Ne finance chargge summary on the Iron( of Your statement for these amounts) Then we add all the Perk Finance Charges for each lransagcton category to et the total Penedlo Finance Charges for your Account The Average Daily Balance n shown as 0 d no Penedic Finance Chares appry to the ?alance m a transaction category. We use he two-cycle average dalN balance (i.tvib p new transactions) methed of calculating the balance upon which wis impose Period ic h Finance Carges This means if you_ tlid not pay the New Balance shown on the billine statement you received dunnn n. nr.N?,?• new purchases that first appear on an the mar oecome purcnase rare Dalance transiers r= mat da and We add that unpaid balance to the balance All fees charged to Your Account are added to the 'chase transaction category with the exception Charles which are adtled to the cash advance Uansac ion category and Balance Transfer Transaction F DataiSce transfer transaction categopryry H a transaction made in a previous billmg period is itemized on date to be the first day of the currenT billing period when we calculate your Periodic Finance Charges. For TOO (Telecon municatbn Device for the Heal) assistance, please call 1.900-347-7449. The Discovers Titanium Card is issued by Discover Bank, Member FDIC. V?JV°.-,'r CR 53,196.22 CARD 27 SDSN6A010010094 HOWARD, PATRICIA 162 E LOUTHER ST CARLISLE PA 17013-3027 ! $64.00 Enter Amount Enclosed Below Payment Due Date $ October 26, 2005 Please make check p ble to Discover Titanium Card or pay online @ Dixovercard.com. Address e-mail or telephone change? Print change in space above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Discovercard.com/payments today. PO BOX 15251 111[Bills nJdI or1od11 WILMINGTON DE 19886-5251 (r.11111111111(dn1u((nJJudddJnu(1ddnu111dn1 000001986762010878396031962200065000006400 Discover Titanium Card Account Summary Closing Date: September 27, 2005 page 1 of 1 Account number ending in 3188 Previous Balance $3 223.58 Payment Due Date October 26, 2005 Payments And Credits , - 65 00 Minimum Payment Due $64.00 Purchases . + 0 00 Credit Limit $4,500.00 Cash Advances . + 0 00 Credit Available $1,303.00 Balance Transfers . + 0 00 Cash Credit Limit $2,300.00 Finance Charges . + 37 64 Cash Credit Available $357.00 New Balance . $3,196.22 You may be able to avoid Periodic Finance Charges, see the revere side for details. How Can We Hel You? 1. Visit Discover com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more Ws your Choice - 3 ways to help 2. Call 1.8oo-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options Or to speak with o Customer Service Account Manager for TDD (assistance for hearing impaired) see revere side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 4 Sep 4 PAYMENT - THANK YOU $ -65.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Dail Daily P i d Nominal ANNUAL PERCEN ANNUAL Periodic Transaction Fee y Balance s er o ic Rates TAGE RATES PERCENTAGE RATES FINANCE FINANCE current billing period: 31 days CHARGES CHARGES Purchases $637.53 Cash Advances $2137 18 0.03970% 0 14.49% V 14.49% $7.85 none . Balance Transfers $416.77 .03970% 0.02712% 14.49% V 9.90% F 14.49% 9.90% $26.30 $3.49 $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Into rnatlon. H there is more than one page to this billing statement, see the back of each page for additional important information. Sea your Cardreamher Agreement. Your Cardmember Agreement contains all the terms of your Account N 0 Lest or studies ends. Report immediately! Call 1-800-347-2889. Z I BiIMg Rights E7, In Case of Errors or OuesUons About Your Bill: II you think your bill la wrong, or if you need more information about a o transaction on yywrite us on a sepirate sheet of paper at Discover Titanium; P.O. Box 15192; Wdrnm ton, DE 19850.5192, as soon as possible. We must he ar ter loan aer we sent you the trill DHI OR which the error or problem appeared. You can telephone us, but _$ king so will noe your rights. In yew teller, give us the following information .Your name and Account number. S The dollar amount of the sus bid error •Dc., a Me error and expla in, if you can, why you bedew There is an error. If you need more information, describe the Item you are unsure about . ? You do not have to pay any amount in pueslion 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 delinquent or take any action to collect the amount you question. Spadal Aide for Credit Card purchases: N You have a problem with the quality of goods or services that you purchased with a credit card, and you.have tried in good faith to correct the MGoblem with the merchant you may not have to Gay the remaining amount due on the gpoooods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or wthtn 100 miles of your mailing address (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Sentl only your payment and. the lop portion of this stalement in the envelope provitletl. Do not send cash. By sending your check as described above, you authorize us la use mformatbn on your check to make an electronic fund Uansfar from your account at the financial institution indicaletl on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transier, the transfer will be for the amount of the check. When we use informalan Trom your check to make an electronic lung transfer funds may be withdrawn from your account as soon as the same day we recevee lyro0ur payment antl you will not recevee your check back from your financial institution. Tha procasnngg of your payrrmnl may be delayed d you sand.cash, correspondence or oNer Hems wth your payment d you send the payment to any other adtlresf or d you um an enwlepe other than the one provided. Payments received on a alter 1 PM Monday through Friday or on a weekend or bank hdiday will pe posted to r Account as of the next business day. If you nave misplaced your envelope, send your payment to Discover Bank PO Box 15251 Wilmingpton, DE 19886.5251. Please allow 7-10 days for debvery. If your payment Is returned unpaid, we reserve the right N resubmit it as an eleclrpnk: debit You can pay tar minimum payment or a greater amount over the telephone. Call us at 1-B00-347.2683. You will need this statement and rur bank account inl8rma0on. You must ensure lost sufficient funds are available in Yyoour Dank account and all transactions must comply with U.S. law. You will pe asked to provide the first 5 dpita of yyoour account statement if code. By entering Nose numbers as Your electronic signature, you will be agreeing to this authorization to allow us antl your bank to deduct each payment you auUforize, in the amount requested by from your bank aaoun In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment OU YOU notify us by phone at 1.500.347.2683 or by mail at address listed in the previous paragraph. Credit Repair". We may report information about your account to credit bureaus Late payments, missed parents. or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Accoun to credit reporting agencies each month. 0 you believe that our report is inaccurate or incomplete, please write us at the following address Discover Titanium Card. PO Box 15316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number Periodic FBaece Ch Except as provided below, we will ire Periodic Finance Char es on purchases, cash advances and balance transfers beginning with. the dJlhe transaction occurs until the dale repayment and on Old Balances until the date of repayment Old Balances are comprised of enter purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve: Line balances. You can avoid payment of Periodic Finance Charges on new purchases U you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement eVl or exceed your Previous Balance. We call 1 is the "grace period You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed an new balance transfers and cash adv Periodic Finance Charges are New Balance. However if you on this statement equal or exi new purcnases mat First appear on wthod of on the :e Charge ss we air we an the and Old Balances until the date of repayment Repayment means payment of your entire 1 on this billing statement by the Payment Due Date, and the Payments and Credits shown we will not impose Periodic Finance Charges on new purchases, that is, purchases first a billing statement next month that includes Periodic Finance Charges imposed until the hales, cash advances, balance transfers and Old Balances (which we refer to as transaction Balance x number of days in the billing period x Daily Periodic Rate (Refer to the finance amounlt) Then we a all the Perwdic Finance Charges for each transaction category to The Average Daily Balance is shown as 0 if no Periodic Finanec Charges apply to the you s for your dad! Dial that become purenase rate balance transfers on mat day and we add that unpaid balance to the balance of the purchase transachpe tale All tees charged to ur Account are added to the purchase transaction category with the exception of Cash Advance Transaction F Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are a? bala nce transfer transaction category . If a transaction made in a previous lootingp period is itemized on this statement we consider the dale to be the first day of the current billing period when we calculate your Periat7ic Finance Charges. For TDO (TekeommuNntlon Device for the Dee" assistance, pleats ed 1400.947-7445. The Oiscovere Titanium Card is issued by Discover Bank, Member FDIC. Ulb(_ `V tK $3,170.57 $64.00 Enter Amount Enclosed Below CARD Payment Due Date November 26, 2005 Please make check payable to Discover Titanium - C d l d ar or pay on ine Discovercar .com. 27 SDSNOA01 0010095 HOWARD, PATRICIA Will your payment get to us on time? Pay your bill online and your payment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 made to your account on the some day. Visit Discovercard.com/paymentstoday. PO BOX 15251 1111111 loll I III 111111 14 1111 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space above, or go to Discovercard.com. Print your e-mail a ddre ss to Irrrlllilrr1 iilrlirlrr(loll I ilrrrlrlrI III iii(III ilrrrrlllrI iil receive important Account information and special offers. 000001986762010878396031705700064000006400 Discover Titanium Card Account Summary Closing Date: October 27, 2005 page 1 of 1 Account number ending in 3188 Previous Balance $3,196.22 Payment Due Date November 26, 2005 Payments And Credits 64.00 Minimum Payment Due $64.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $1,329.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 38.35 Cash Credit Available $357.00 New Balance $3,170.57 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? It's your choice - 3 ways to help. _ %eose have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 1. Visit Discover com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak-with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 5 Oct 5 PAYMENT - THANK YOU $ -64.00 Information For You Balance Transfer offer for current billing period: Doily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Hey, Juniorsl We are searching For outstanding high school juniors to apply for the Discover(R) Card Tribute Award(R) Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www.Discovercard.com/tribute.htm. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $1002.30 0.04038% 14.74% V 14.74% $12.14 none Cash Advances $2163.42 0.04038% 14.74% V 14.74% $26.21 $0 The rates that apply to your Account are either fixed (F) or they may vary m as noted above. Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Criaeember AgroenkrN. Your Cardmember Agreement contains all the terms of your Account m lost or stolen cards. Report immediateyl Call 1400.947-2683. co m 1111114 Rights Statnnary. In Case of Errors or Questions About Your Bill: 8 think your bill is wrong, or it u need more information about a o transaction on rur bill, write us on a separate sheet of paper at Discover Titanium; P.O. Box 15192; Wilmington, 19850.5192, as soon as possible. We must hear rom you no later than 60 days after we sent you the first bill on whic, 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: •YOUr name and r number. $ *The dollar amount of the suspected error $ Describe the error and explain, if you can, why you believe there is an error. N you need more information, describe the item you are unsure 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 delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: It you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct tae problem with the merchant, you maYy not have to pay the remaining amount due on the ggootls or services. You have this protection only when the purchase price was more than S50 and the purCliase was made in your home state or wtlhin ,00 miles of your mailinga atldress (d we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless dt the amount or location of purchase.) PaymeMS. Sentl only your.paymenl and the lop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us te use information on your check to make an electronic fund transfer from yyoour account at the financial institution intlicated on your check w to process IDs payment as a, check transaction. If payment is processed as an eectrome fund transfer, the transfer will he for the amount d the check. When we use Information from your check to make an electronic fund transfer funds may be withdrawn from your account as aeon as the same day we recenreyou r payment, and you will not receive your check back from your financial institution. The processing d your payment may oeVyeed If you send cash, correspondence or other items with your payment, if you send the payment to any other address or d you use an envelope o0ier than the one provided. Payments received on or after 1 PM Monday through Friday or on a weekend or bank hditlaV will be posted to ur Account as of the next business day. If you have misplaced your envelope, send ut pa nl to Discover Bank, PO Box 15251 WilmingQton, DE 19586-5251. Please allow 7.10 days for delivery. 8 your payment is returned unpaid, we reserve the fight ill rasubmlt lt is an ekC6onic daDll You can pay your minimum payment a a greater amount over the telephone. Call us at 1-800.347.2683. You will need this statement and your bank account mfamatxm. You must ensure foal sufficient funds are available in your bank account and all transactions must comply with U.S. law You will be asked to promitle me lirsl 5 tlrgtls of your account statement asp code. By entering those numbers as your electronic signature, you w81 be agreeing to this authorization te allow us and your bank to deduct each payment you auingorize, in the amount requested by you. from your bank account In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment You may notify us by phone at 1-800.347.2683 or by mail at address listed in the previous paragraph. Cradle Reporting. We may report information about your account to credit bureaus Late payments, missed pa rats, or other defaults on your account may be reflected in your credit report We nermaly report the status and payment history olddrer Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following ass Discover Titanium Cara Pl) Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Perlomc Finance Charges Except as provided below, we will impose Periodic Finance es ,. es on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases d you pay the New Balance shown on the billing statement on which the purchase first a ors by the Payment Due Date, and the Payments and Credits on that statement eVI or exceed your Previous Balance. We call hh i the 'gace enod'. You do^nothave ^a grace Period onADalance transfers or cash advances. dotlk Finance Charges are imposed on new or exceeydlthe P?reviioous Balaane. wec You entire shown .s first ilil the Finance Charges. each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction e following equation: Average Daily Balance x number of d in the billing period x Dairy Periodic Rate. (Rater to the finance front of your statement for these amounts.) Then we adrl all the Perrodre Finance Charges for each transaction category to ;inance Charges for your Account The Average Dairy Balance is shown as 0 if no Periodic Finance Charges apply to the d'U balance (including new transactions) method of did _not pay the ew Balance shown on the we subtract the unp?aid balanc :e transfers on that day antl we nit are added to the burchase cash advance transaction Casco maw ,c sec .sec u, a, way u, uec cunom raning per= wnen we caicumte your Periodic Finance E For TOO (TokeornmrrdeNldn Device for the Deal) assktance, please Call 1400.3474449. The DiscoverA Titanium Card is issued by Discover Bank, Member FDIC. I rate balance transfers and Balance ce transfers that were suded ct to an credit limit are also mctude in the nce transfer transaction categoryrv on lance Charges and balance trga tiers mrchase transaction category. A Advance Transaction Fee Finance ice Charges which are added to the tement, we consider the transaction N CK $3,172.65 $64.00 ' Enter Amount Enclosed Below CARD_ Payment Due Date $ December 26, 2005 Please make check ayyaable to Discover Titanium Card or pay online Dixovercard.com. 27 SDSN6A010010096 HOWARD, PATRICIA 16 Will your payment get to us on time? Pay your bill online and your pa ment can be 2 E LOUTHER ST CARLISLE PA 17013-3027 y ma de to your account on the same day. Visit Discovercard.com/payments today. PO BOX 15251 (IIru?InudJludurlll WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change insp?ce above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000001986762010878396031726500064000006400 Discover Titanium Card Account Summary Closing Date: November 27, 2005 page I of 1 Account number ending in 3188 Previous Balance $3,170.57 Payment Due Dote December 26, 2005 Payments And Credits - 64.00 Minimum Payment Due $64.00 Purchases + 26.74 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $1,327.00 Balance Transfers + 0.00 Cash Credit Umit $2,300.00 Finance Charges + 39.34 Cash Credit Available $357.00 New Balance $3,172.65 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Hel You? 1. Visit Discover corn to pay your bill for no cost, view ur p latest Account information, earn and redeem rewarg'and more It's your Choice' 3 WAYS to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. 'options orta-speak with a Custemer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8d 130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Data Payments and Credits Nov 5 Nov 5 PAYMENT- THANK YOU $ .64,00 Other/Miscellaneous Nov 27 Nov 27 PAYMENT PROTECTION 1.877-883.1959 26.74 FORMERLY DISCOVER ACCOUNTGUARD Information For You Balance Transfer offer far current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A-Wish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make.A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balanc es Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $951.93 0.04038% 14.74% V 14.74% $11.92 none Cash Advances $2190.23 0.04038% 14.74% V 14.74% $27.42 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important ladomnllen. U there is more than one page to this billing statement we the luck of each page for additional important information. See your Cards Isar also Agreement. Your Grdmember Agreement contains all the terms of your Account in Last or stolen cards. Report immediately. GII 1-100-047-2683. co Bf16eg flights Suransior In Case of Errors or Questions About Your Bill U u think your bill is wrong, or if frou need more information about a o transaction on Your bit. write us on a separate sheet of paper at Discover Titanium; P.0 Box 15192; Wilmington, DE 19850-5192, as soon as possible. o We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appealed. You can telephone us, but o doing so will hot preserve your rights In your letter, give us the following information. S Your name and Account number. -The dollar amount of the suspected error. m *Describe the error and explain, tl you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in Qauestion 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 qua ion. we cannot report you as delinquent or take any action to tolled the amount you question. Speeld RWe for Credit Card Ptrehua: If you have a problem with the quality of goads or services that you purchased with a credit card, and you nave vied in good faith to correct Ie problem with the merchant you maYy not have to ppaay the remaining amount due on the ggootls or services. You have this protection only when the purchase price was more than f50 and the purchase was made in your home state or wdhin 100 miles of your mailing address. (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase) only your payment and the top portion of this statement in the enve" provided. Do not send cash. By sending your check as you authdrut us to use miomalion on your check to Make an electronic fund transfer from your account at the financial mstiluUOn r cneck or to process the payment as a check tansaction. If payment is processed as an electronic fund transttt, Ue transfer will d of the check. When we use mlwmaI- from your check to make an electronic fund Innster funds may be wilhtlrawn from your as the same day we receive Yyoouur payment and you wrU not recttve your check back from r )inancul institution. g of your payment may be tlela if send cash, correspondence or other items with w Caymant it you sentl the payment to a or d you use an envebpe al er loan the one provided Payments receivetl on or at r 1 PM Monday through Friday or on a t ndiaaY will be posted to r Account as of the next business day If you nave misplaced your envelope, send your payment to D Box 15251. Wllmmglon, DE 19886.5251. Please alkwv 7.10 days for delivery. If your payment rs returned unpaxt we reserve lha right to reSUDmlt It as an eleclfo You can pay your minimum I ..it account Information. You I You will be asked to provide the agreeing to this authorization to accounC In older to cancel a p phone at 1-800-347-2683 or by r GII us at 1.800-347.2683. You will need this statement and your your bank account and all transactions must comply with U.S law By entering,pthose numbers as your electronic signature, you will be t you autfio ze, in the amount requested by you, from your bank ays in advance of the scheduled payment You may notify us by Credit Reporting. We may report information aboutyou r account to credit bureaus Late payments, missed payments, or other defaults on your account may be inflected n your credit report We nisrmally report the status and payment history olzur Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following a less: Discover Titanium Card, PO Box 15316, Wilmington DE 19650.5316. Please include your name, address, home telephone number and Account number. Perlede Finance Charges. Except as provided below, we will arose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised ol either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve merit of Periodic Finance Charges on new purchases U you pay the New Balance shown on the billing? statement on which the by the Payment Due Date' c' e PenandCredits on that tatement aual exceed r PreviouBalaceWe call 1"You aa grace otl on bae Itaitslers o cash advanceenotlic FinancChare ion cah dvanmnm win dale thansaction occurs edimtl on alPUansand lad Balances un61 the dale ot epayment Repsyntenl mans nt r entire u y thNew Balancown on tins Dillmg statement Dy the Payment Due Date, antl the Payments and Credos shown dal or exceed th e Previous Balance, we will not impose Periodic Finance Charges on haw pwcnases, that is, purchases first Cement Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the c Finance Charges. each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction he following equation Average Daily Balance x number of days in the billin period x Wily Periodic Rate. (Reber to the finance he front of yyoour statement lot these amounts) Then we ad all the Per'ic Finance Charges for each transaction category to Finance Cbrges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply o the on category. cycle average tlaily balance (including new transactions) meUO0 d cak:ulating Ue balance upon which we impou Periodic is means if you did rid pay the New Balance shown on Ue Dillinp stalemenl you receivetl during lase previous In. Payment Due Date, we will impose Periodic Finance Chat es on new purchases mat first appeared on Ual filling new purcMSes at first apppear on th n Mlltlin statement unless we aPreadly imposetl Periodic Finance Charges on the purchases 1g statement We wmpute the aveto ai balance for each tansadion category Dv adding up all Ue daily balances in a rnsacWn cafepory and dividing Ue total by a number of days in the billin cycle We compute the oaiy balance for each m each tlay Dy'U. atltling the tdlow.n W Ue prewous days tlaiN balance: Pransacl ohs made Uat day, fees charged that tlay Charges accrued on the previous days dairy balance; and by l en suotroctinp anyy cretlils and payments that ate applie0 f the hanuclion category on That pay- In cakulaUng Ue dairy balance for the previou3 baling period, we considtt the "prewious which are added to the consider the transaction For TOO (Teleeommudeation Duke for the Deal) assktance, please eat 1-800-347-7449. The Discover0 Titanium Card is issued by Discover Bank, Member FDIC. LAZJIL'.-'VtK $3,174.14 i$64.00 Enter Amount Enclosed Below CARD L____. _.______.__ Payment Due Date $ 1 January 26, 2006 Please make check payable to Discover Titanium Card or pay online 0 Discovercard.com. 27 SDSN6A010010097 HOWARD, PATRICIA Will your payment get to us on time? Pay ll l 162 E LOUTHER ST CARLISLE PA 17013-3027 your bi on ine and your payment can be made to your account on the some day. Visit Discovercard.com/paymentstoday. PO BOX 15251 1 Ill 11111 Ill ill Ill Ill 111111 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print_change in space Irrrlllr above, or go to Discovercard.com. Print your e-mail address to lrrliilrlrslrrllrrrli(rrr(rlrlrlrrri(?rlrlrrrrlllrlri? receive important Account information and special offers. 000001986762010878396031741400064000006400 Discover Titanium Card Account Summary Closing Date: December 27, 2005 page 1 of 1 Account number ending in 3188 Previous Balance $3,172.65 Payment Due Date January 26, 2006 Payments And Credits 64.00 Minimum Payment Due $64.00 Purchases + 26.75 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $1,325.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 38.74 Cash Credit Available $357.00 New Balance $3,174.14 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? I . Visit Discover.com to pay your bill for no cost, view our p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call I.800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 6 Dec 6 PAYMENT - THANK YOU $ .64,00 Other/Miscellaneous Dec 27 Dec 27 PAYMENT PROTECTION 1.877.883.1959 26.75 FORMERLY DISCOVER ACCOUNTGUARD Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A-Wish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit W Ww.wish.org. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES _ RATES CHARGES CHARGES current billing period: 30 days Purchases $926.88 0.04107% 14.99% V 14.99% $11.42 none Cash Advances $2217.59 0.0410711. 14.99% V 14.99% $27.32 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. If there is more than one page to this billing statement, we the back of each page for additional important information. See your Cardrlie ul er Agreement. Your Cardmember Agreement contains all the terms of your Account rn 0 Lost or stolen cards. Report immediately. Call 1-800.347-211117. rn z m BIIBng Rights b In Case of Errors or Questions About Your 881: If You think your DIII is wrong, OF if you need more information about a o transaction on Your bit, write us on a separate sheet of paper at Discover Ti(aniurtt P.O. 15192; Wilmington, DE 19850-5192, as soon as possible. We must hear from you no later than 60 days after we sent you the 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: $ Your name and Account number. -The dollar amount of the suspected error. Describe be the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the tarts of your bill Nat are not in question. While we investigate your qua ion, we cannot report you as delinquent or take any action to collect the arlaunI. you question. Special Rule for Crergt Cad Preehaser If yyopuu have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to coned the Cblem with the merchant, you maY not have to pay the remaining amount due on the ooods or services. You have this protection only when the purchase price was more 1Dan S50 and the purchase was made in your home state or within 100 miles of your mailingy address. (it we own or operate themerchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless it the amount or location of purchase. Psyreads SenO only your peymanl and the lop portion of lhn sUlemant in the enveape provided. Do not send cash. By sending your check as desenbad above, you aulhorixe us to use information on your check th make an ekcUOnic fund transfer from YYoouur account 3t the financial institution intlaaled on your check or 1o process Ne payment as a check Iransection. tt payment is processed as an erectr omc fund transfer, the transfer will De for the amount d the Check. When we use information from your check a make an electronic funtl bansfer funds may be withdrawn from your account as soon as Ne soma day we receive r pa moot and you will not recehve your check back from your )financial institution. The processing d your payment may ba yed ?f you sentl coin, correspontlence or aher items with our Ppayment, if you send the payment to any other address w d you use an envelope other than the one provitle0. Payments received on or after 1 M Monday through Friday or on a weekend w bank holiday will be posted to ur Account as ot the next business tlay If you have misplaced your envelope, send r payment to Mseover Bank, PO Box 15251 Wilmington, OE 1911116.5251. Please allow 7•i0 days for delnery tt your payment is returned unpardwe reserve the right a resubmit tt as an electronic tlebit Voce can pay your minimum payment w a greater amount over Ne leleMOne. CaN us at 1.800.347-2683. You will need this statement and Your Dank account unlormalan You must ensure lost suffaient funds are ?vadabblle m your Dank account and all transactions must comply with U.S law You will lea askatl to provide Ne first 5 tlpib ot ynw account slalemenl zip cotle. try entenn0 tho,se numbers as Fur electronic signature, you will be agreein g to this authorization a allow us antl your bank to deduct aach payment you aut5aize in the amount requested by from your bank accoun . In order to cancel a payment we must receive notice at least Three days in advance of the scheduled payment You may notify us by phone at 1.800.347-2683 or Dy mail at address listed in the previous paragraph. Crergt Reporting. We may report information about your account to credit bureaus. Late payments, missed pa nts, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of Your Account W credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following i ogress Discover Titanium Card, PO Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Psrlede Flnarres CDarpas. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with th e dale the transaction occurs until the date of repayment and on Old Balances unfit the date of repayment. Old Balances are eomprlsetl of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases 9 you pay the New Balance shown on the billing statement on which the wrchase first appears by the Payment Due Date, and the Payments and Credits on that statement e VI or exceed your Vrevious Balance. We call this the "grace period". You do not have a grace Fe on balance transfers or cash advances Periodic Finance Charges are imposed on new balance transfers and cash advances begmnm9 with the date the transaction occurs. Periodic Finance Charges are imposed on alf transactions and Old Balances until the date of repayment Reparent means pa ent of your entire New Balance. However, d you pay the New Balance shown on this billing statement by the Payment Due Date, and the Paymenlsmand Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is, purchases first apPe rag"on this statement Otherwise. you will receive a billing statement next month that includes Periodic Finance Charges imposed until the Finance Charges, each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction i following equation: Average Daily Balance x number of days in the billin period x Daily Periodic Rate. (Refer to the finance front of yyoour statement for these amounts) Then we add all the Per Ic Finance Charges for each transaction category to !finance OR.= for your Account The Average Daily Balance is shown as 0 8 no Periodic Finance Charges apply to the age deity balance (Inc not cal Dueid Date, wey w ses that first appear on d We compute the as ategory and dividing the ?b11I1 first adding the foil ccrued on the previous .tan category on that d s 0 on the first day of ll h the balance of the pu Charges are included terminated due to a Is ate otherwise would ha we subtract the unpail ce transfers on that dayyp unt are added to the cash advance transacll gory If a transaction i pate to ce me Trial. oay or the current erring period when we calculate your Peno sec Finance C For TDD (Tekcomesunleatlon Device for the Deaf) asbtanee, please cam 1400-347.7449. The DiscoverA Titanium Card is issued by Discover Bank, Member FDIC. z new transactions) method of calculating the balance upon which we impose Periodic few Balance shown on the billing statement you received during ilia previous npose Periodic Finance Charges on new purchases that first appeared on that billing billin statement unless we already imposed Periodic Finance Charges on the purchases e dairyry balance five each transaction category by adtling up all the daily balances in a d by the number of days in the billing cycle. We compute the daily balance for each to the =ous day's dairy balance: bansactions made that day, fees charged that day s daily balance, and by then subtracting any credits and payments that are applied n calculating the daily balance for the previous billing period, we consider the "previous Icing period as and cash advance transaction categories Special rate balance transfers and Balance dairy balance transfer transaction category Balance transfers that were all I. to an iymenl or because u exceeded your Account credit limit are also included in the rpiretl. In caaulatarthe ca. y balance of the balance transfer transaction category on ante of those Balance Transfer Transaction Fee Finance Charges and balance transfers we add that unpaid balance to the balance of the purchase transaction catepo ase transaction categTry with the exception of Cash Advance Transaction F-eg ,Finance tegary and Balance Fenster Transaction Fee Finance Charges which are added to the in a previous billing, period is itemized on this statement we consider the transaction 1J1aS_ 1 V CK 53,241.46 589.00 L Enter Amount Enclosed Below I -____.__.__ _.. _..___ CARD Payment Due Date _.... $ February 26, 2006 Please make check payable to Discover Titanium Card. Minimum payment due includes a past due amount of $24.00, 27 SDSN6A010010098 - HOWARD, PATRICIA Will your payment get to us on time? Pay 162 E LOUTHER ST CARLISLE PA 17013-3027 your bill online and your payment can be made to your account on the some day. Visit Discovercard.com/paymentstoday. PO BOX 15251 Ill 111111111111111111111111 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000001986762010878396032414600040000008900 Discover Titanium Card Account Summary Closing Date: January 27, 2006 page 1 of 1 Account number ending in 3188 Previous Balance $3,174.14 Payment Due Date February 26, 2006 Payments And Credits - 40.00 Minimum Payment Due $89.00 Purchases + 66.32 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $1,258.00 Balance Transfers + 0.00 Cash Credit limit $2,300.00 Finance Charges + 41.00 Cash Credit Available $357.00 New Balance $3,241.46 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? p I . Visit Discover.com to pay your bfl for no cost, view your l A f It's your choice - 3 ways to help atest ccount in ormation, earn and redeem rewards and more 2. Call 1.800-DISCOVER (347.2683) for fast easy self-service Please have your Discover Cord available. , options or to speak with a Customer Service Account Manager For TDD 3. Write us at y, LIT 8Card, PO Box 30943, (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 8 Jan 8 PAYMENT - THANK YOU $ 40.00 01her/Miscellaneous Jon 27 Jan 27 PAYMENT PROTECTION 1.877.883.1959 27,32 FORMERLY DISCOVER ACCOUNTGUARD Jan 27 Jan 27 LATE FEE 39.00 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due amount. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-Amish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make.A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $922.42 0.04175% 15.24% V 15.24% $11.93 none Cash Advances $2245.76 0.04175% 15.24% V 15.24% $29.07 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Inforosation. If there is more than one page to this billing statement see the back of each page for additional important information. Bee your Cardmember Agreenes d. Your Cardmember Agreement contains all the terms of your Account o Lost or stolen cards. Report immediately! Call 1-800-947-21189. co B" Rights 8seT7 In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a o transaction on Your bill, write us on a separate sheet of paper al Discover Tita1 turn: P.O. Box 15192; Wilmington, DE 19850-5192, as soon as possible. We must hear Troth you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but $ doing so will not preserve your lights. In your letter, give us the following information .Your name and Account number. °o 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 hem you are unsure o You do not have to pay any amount in quetkn while we are investigating, but you are sou obligated to pay the parts of your bill that are not in question. While we investrgate your question, we cannot report you as delinquent or take any action to collect the amount you question. Spacial Rule for Credit Card Purelwas: g you have a problem with the quality of goods ot services that you purchased with a credit card, and you have tried in good faith to correct the pprroblem with the merchant you may not have to pay the remaining amount due on the qootls or services. You have this protection only when the purchase price was more roan S50 and the purchase was made in your home state or wdhin 100 miles of your mailing address. (if we own or operate the merchant or d we mailed you the advertisement for the goads or services, all purchases are covered regardless of the amount or location of purchase.) Pavmants. Send oniv vour Payment and the too Portion of this statement in the envisions Provided. Do not send cash. By sendina vour check as as soon as the same rent to resubmit a as an electronic Pena You can ay your minimum payment or a greater amount over the tekCCnone. Call us at 1.800.347.2683 You will need this statement and C. bank accoun P information. You must ensure foal sufficient funds are available in ur bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip torte. r'y entering those numbers as vow electronic signature, you will be agreein0 to this authorization to allow us and your bank to deduct each payment you aulfionze, in the amount requested by u, from your bank account In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment Yoou may notify us try phone at 1.800.347.2683 or by d at address listed in the previous paragraph. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed pa nts, or other defaults on your account may be reflected in your credit repot We normally report the status and payment history of your Accoun(W credit reporting apqencks each month. If you believe that our repot is inaccurate or incomplete, please write us at the following address Discover Titanium Card, PD Box 15316, Wilmington DE 19050-5316. Please include your name, address, home telephone number and Account number. Perledc Fine. CMroeS. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the tlak the transaction occurs until the date of repayment and on Old Balances until the data of repayment. Old Balances are comprised of either purchases and cash advances made on or pilot to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the "grace period" You do not have a grace ppeuriod on balance transfers or cash advances rl0dk Finance Charges are imposed on new balance transfers and cash advances bcginninp with the date the transaction occurs. Periodic Finance Charges are imposed on atftransactions and Oki Balances until the date of repayment Repayment means pa ntof your entire New Balance. However. if you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is. purchases first a janng on this statement Otherwise, you Will receive a billing statement next month that includes Periodic Finance Charges imposed until the date of repayment We compute Periodic Finance Charges, each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the following equation: Average Daly Balance x number of days in the billing period x Daily Periodic Rate. (Refer to the finance charggee summary on the front of your statement for these amounts.) Then we add all the Pen lc Finance Charges for each transaction category to get tie total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the Wlance in a transaction category. We use the two-cycle average dal balance (includin new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means if you dxt not pay the ew Balance shown on the billing statement you received during the previous billing perior7 by the Payment Due Date, we will impose Periodic Finance Charges on new purchases that first appeared on that biltinp stator At as well as new purchases that first appeour on this bilgnf1pp slatemenL unless we a ready imposed Periodic Finance Charges on the purchase on your Previous bggna statement We compute the average daiN balance fa each transaction category by adding up all the daily balances in a es. SpecPaI rate balance transfers and Balance ory? Balance transfers that were sublI'ecl to an r Account credit limit are also incluekd in the of the balance transfer transaction category on en Fee Finance Charges and balance transfers ce of the purchase transaction category. ion of Cash Advance Transaction Fee Finance Fee Finance Charges which are added to the on this statement we consider the transaction For TDD (Telecomnkrilcation Device for the Deaf) assistance, please call 1-800-947-7449. The DiscoverA Titanium Card is issued by Discover Bank, Member FDIC. Ulb(_' 'V tK $3,220.51 $48.00 Enter Amount Enclosed Below CARD L_ Payment Due Date $? March 26, 2006 Please make check payable to Discover Titanium Card or pay online 0 Discovercard.com. 27 SDSN6A010010099 HOWARD, PATRICIA Will your payment get to us on time? Pay 162 E LOUTHER ST your bbill online and your payment can be made to your account on the same It y. CARLISLE PA 17013-3027 Discovercard.com/paymentstoday. PO BOX 15251 Illurllnnrlrllurlnrlll WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in a ce ?i,rlllrlrrlrrli?irlrrllriilr?iirlrlrlrlrrrrl?i?rlrrrrlllilrr? above, or go to Discovemord.com. Print your e-mail address to receive important Account information and special offers. 000001986762010878396032205100048000004800 Discover Titanium Card Account Summary Closing Date: February 27, 2006 page 1 of 1 Account number ending in 3188 Previous Balance $3,241.46 Payment Due Date March 26, 2006 Payments And Credits 48.00 Minimum Payment Due $48.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 27.05 Cash Credit Available $0.00 New Balance $3,220.51 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? I It's your choice - 3 ways to help 2 Please have your Discover Cord available. 3 For TDD (assistance for hearing impaired) see reverse side Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more Call 1-800-DISCOVER (347.2683) For Fast, easy self-service options or to speak with a Customer Service Account Manager Write us at Discover Card PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 5 Feb 5 PAYMENT - THANK YOU $ 48.00 Information For You Your account has been suspended. Please call 1.800-DISCOVER so we can work together to resolve this problem Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $948.93 0.02712% 9.90% F 9.90% $7.97 none Cash Advances $2270.02 0.02712% 9.90% F 9.90% $19.08 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See yarn CariOnamber Agreement. Your Cardmember Agreement contains all the terms of your Account o lost or stolen cards. Report immediateyl Call 1400-347.2683. co 9 BrDq RIgMs Srni eery. In Case of Errors or Questions About Your Bill. B you think your bill is wrong, or if you need more information about a o transaction on Your bill, write us on a separate sheet of paper at Discover Titanium; P.O. Box 15192; Wilmington, DE 19850-5192, as soon as possible. We must hear from you no later than 60 days alter we sent you the first bill on which the error or problem appeared. You can telephone us, but °o doing so will not preserve your rights. In your letter, give us the following information: *Your name and Account number. 8 The dollar amount of the suspected error. )$ *Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure V You do not have to pay any amount in 0uestwn 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 qu on, we cannot report you as delinquent or take any action to collect the amount you question. Special Role for CreM Card Purchases: N you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you maYy not have to pay the remaining amount due on the 00oods or services You have this protection only when a purchase price was more than S50 and the purchase was made in your home slate or wRhin 100 Miles of your mailing address. (If we own or rate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) PayrsreMS. Sentl only your .payment and,the top potion of this statement m the envelope provided. W not send cash. By sending your check, as describetl above, you authorize us N use mformatlpn on your check N make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a_ check Uanwclion lt pa oral. K processetl as an electronic fund transfer, the transfer will be for Ne amount of Ne chock. When we use informalon from your check to make an eectronic luntl transfer funds may be withdrawn from Your account as soon as the same tlatl we receive yyoouur payment, and you will nct reuive your check,back Irom your financial institution. Tne processing M your payment may be deUyyeed d you send cash, correspondence or cthar Hems with your payment, it you send the payment to any other address or d you um an envelepe oilier Nan the one provroed Payrtenls received on or after 1 PM Monday through Friday or on a weekentl or Dank holitlaY will ba poslgetl to r Account as ct the next business day U you have misplaced your envelope, send your payment to rDighl lOrreiunbrnit?t asxanSebcUair rdebttn, DE 19886.5251. Please allow 7-10 days for delivery. lt your payment is returned unpaid, we reserve the You can wy your minimum payment or a greater, amount over the telephone. Call us at 1.800-347.2883. You will need this statement and your Dank account information. You must ensure that wllrcienl funds era available in lrour bank account, and all transactions must comply with U.S. law. You will be asketl to povide the first 5 tligils of your account statement zip code. By entering Ihosa numbers as rur electronic signature, you will be agreein N this authorization to allow us and your bank to deduct each payment you all orize, in the ameun requested by u, from your bank accoun In order to cancel a payment we must receive notice at least three days in advance ol the scheduled payment ou may notify us by phone at 1.600.347-2683 or by mall at address listed in the previo paragraph. Credit R We may report Information about your account to credit bureaus. Late payments, missed pa ents, or other defaults on your account ay be reflected in your credit report We normally report the status and payment history of your Account W cfedB reporting aGGencies each month. If you believe that our report is inaccurate of incomplete, please write us at the following address: Discover Titanium Card. PO Box 15316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number. Perbdk FNerree Cheraw Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the da the transaction occurs until the dale of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the rchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call Phis the "grace period" You 66 not have a grace ppeeriod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginnnP with Ne date the transaction occurs Periodic Finance Charges are imposed on at transactions and Old Balances until the date of repayment Repayment means pa nt of your enure New Balance. However it you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this. statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases. that is, purchases first appearing on this statement Otherwise, you will receive a Wiling statement next month that includes Periodic Finance Charges imposed until the dale of repayment We compute Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the following equation: Average Wily Balance x number of days in the billing period x Daily Periodic Rate. (Refer to the finance charge summary on theq front of your statement for these amounts) Then we add all the Periodic Finance Charges for each transaction Categpoory to Qel a total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply•lo the daiW the new Old Balances are excluded from the balance of the purchase and cash advance transaction cafe Spoctal rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category Balance transfers that were subl?ect to an Initral special rate that has Deers lermmaled due to a tale payment or because you exceeded your Account credit limit are also incluAetl In Ne talefirs ry until Ne ina D0 1ing pt special rate uhe"act would nave expmed. In calculating Ne dory balance of the balance transfer transaction category on b t day of lne period, we subtract the unpaid balance M those Balance Transfer Transaction Fee Finance Charges and balance transfers loaf become purchase rate balance transfers on that dosy and we add that unpaid balance to the balance ol Ne purchase Uansaclion tale All lees charged to r Account are added to the purcaase transaction category with me excepl'an of Casn Advance Transaction ee Finance Charges which are adifed to the cash advance brinsacD'on category anE Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category N a transaction made in a previous billin period rs itemized on lhd statement we consider the transaction dale to be Nif !fist da y of Ne current billing period when we calculate your Perio?io Finance Charges For TUD (Talecolmraxdeation Daylee for the Deaf) assistance, please eta 1400-847-7449. The Discover® Titanium Card is issued by Discover Bank, Member FDIC. V CK $3,196.78 CARD 27 SDSN6A010010100 HOWARD, PATRICIA 162 E LOUTHER ST CARLISLE PA 17013-3027 $48.00 Enter Amount Enclosed Below Payment Due Date $ April 26, 2006 Please make check payable to Discover Titanium Card or pay online 0 Discovercard.com. Address, e-mail or telephone change? Print change in sppaace above, or go to Discovercard.com- Print your e-mail addreu to receive important Account information and special offers. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discovercard.com/payments today. PO BOX 15251 11111m 111 milli m 111111111111 WILMINGTON DE 19886-5251 1r1m111m1Ill 11111r11mr11mrpill 11,61111 11nr11111111IIill 1u1 000001986762010878396031967800048000004800 Discover Titanium Card Account Summary Closing Dote: March 27, 2006 page 1 of 1 Account number ending in 3188 Previous Balance $3,220.51 Payment Due Date April 26, 2006 Payments And Credits 48.00 Minimum Payment Due $48.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 24.27 Cash Credit Available $0.00 New Balance $3,196.78 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help YOU? 1. Visit Discover.com to pay your Will for no cost, view your I? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Credits Mar 7 Mar 7 PAYMENT - THANK YOU $ -48.00 Information For You Your account has been suspended. Please call 1.800-DISCOVER (1.800-347-2683) so we can work together to resolve this problem. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES _ CHARGES CHARGES current billing period: 28 days Purchases $907.97 0.02712% 9.90% F 9.90% $6.89 none Cash Advances $2288.25 0.02712% 9.90% F 9.90% $17.38 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. ireportMt •Mormatlon. If there is more than one page to this billing statement see the back of each page for additional important information. Be* your Cerdalenher Agreement. Your Cardmember Agreement contains all the terms of your Account o Lost or stolen cards. Report immediately! Call 1400-347-2688, z BMIft Rights ;unary In Case of Errors or Questions About Your Bill: If ru think your bill is wrong. Of if we need more information about a o lransecbon on vour bllF, write us on a separate sheet of paper at Discover Titanium; PO Box 15192; Wilmington, DE 19850-5192, as soon as possible. We must bear rote you no later than 60 days after we sent you the 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: 'o •Your name and Account number. The dollar amount of the suspected error. $ •DWnbe the error and explain. U you can, why you believe there is an error. If you need more information, describe the item you are unsure T about J 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 delinquent of take any action to collect the ar'nounl you question. Special Rub for CradN Card Purchases: Uyo u have a problem with the quality of goods or services that you purchased with a credit card, antl you,have tried in good faith to correct the problem with the merchant you maY not have to ppaay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the pure T?ase was made in your home stale or wi hen 100 mites of your mailing address. (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Paymenta. Send only yourpeymenl and ilia lop portion of Nis statement in Ne envelope provided Do not send cash By sending your check as described above, you aulhor3e us N use information on your check to make an electrons fund transfer from Yyoouur account at the financial institution indicated on your check or to process. Ne payment as a check lransecUOn. If payment ce processed as an electronlc fund transfer, the transfer will ba for Ne amount d the chock. When we use informalon from your check so make an electOnic fund transfer funds may be withdrawn from your account as soon as Ne same day we receive Your payment and you will not receive your check back from your financial institution. The procesang of your payment may ba delayetl d you sentl cash, correspondence or other items with your paymenntif YU send the payment on to any other address or d yoq use an envelope other than the one provided. Payments received on or after 1 PM Monday through y weekend or Dank hditlaV Ynll De Dpoossfed to your Account as of Ne next business day. U you nave misplaced your envelope, senr payment to Discover Bank, PO Box 15251 WilmmOOion, DE 19886.5251. Please allow 7-10 days for delivery If your payment is returned unpa. we reserve the riphl 1g resubmit H a5 an ele¢lrgne debit VW can pay tar minimum payment or a greater amount over the telephone. Call us at 1.800.347-2fi83 You will need this statement and Your Dank account inibrmation. You must enwre Nat wfficrenl funds are available m Your Dank account and ad transactions must comply with U.S. law agreei f your account statement tip coda 6y entering thou numbers as your electronic signature, you will be You will De asked to govitle the first 5 digits o nC to this authorization to allow us and your bank to deduct each payment you authorize, in the amount requested Dy from your bank accounC In order to cancel a payment wa must receive notice at least three days in advance of the scheduled payment Yoouu may notify us by phone at 1.000.347.2683 or by mad at address listed in the previous paragraph. CroM Roper". We may report information about your account to credit bureaus. Late payments, missed parents, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Accouncredit reporting agencies each month. R you believe that our report is inaccurate or incomplete, please write us at the following address Discover Titanium Card, PO Box 15316, Wilmington DE 19850-5316. Please include your .name, address, home telephone number and Account number. PerNtlk Finance Cs. Except as provided below, we will impose Periodic Finance Chartres on purchases, cash advances and balance transfers beginning with the dace the transaction occurs until the date of repayment and on OM Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances.. You can avoid payment of Panotlb Finance Charges on new purchases if you pay the New Baance shown on the Dllling statement on which the urchase first appears b11 t Payment Due Date, antl ilia Payments and Credits on that statement equal or exceetl your Previous Balance. We call Phis the "grace parxltl" You do not have a grace ppeerlotl on balance transfers or cash advances radlc Fihanc¢ Charges are Impoutl on new balance transfers and cash advances bepimm?gg with ilia tlate Ne UansecUal occurs. Periodlc Finance Charges are Imposed on alf transactions and Olo 8alences until Ne date of repayment Repayment means payment of your entire New Balance. However if you pay the New Balance shown on this biding statement ly Ne Payment Due Dale, and Ne Payments and Credits shown on this sUtemenl equal or exceed N¢ Previous Balance, we will not impose Periodic Finantt Charges on new purchases, that is, purchases first .:ann. on this statement Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges impOSetl until the .bases, cash advances, balance transfers and Did Balances (which wa refer to as transaction Balance x number of days in the oillin period x Daily Periodic Rate. (Refer to the finance amounts) Then we add all the Per is Finance Charges for each transaction category to The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the in a transaction ca se the two-cycle verage daiN balance (includin0 new transactions) method of calculating the balance upon which we ans tl vase did not oav the New Balance shown on the billing statement You received dunn Charges. TMs m...."el Special rate balance transfers and Balance Balance transfers that were wb'ecl to an count credit limit are also inclued in the Charaes which are added to the cash advance transaction category and Balance TiansleF Transaction Fee Finance charges whicn are a balance transfer transaction ca=1epqy.. If a transaction made in a previous billingg period is itemized on this statement we consider the sale to be the first day of the currenT billing period when we calculate your Per oBic Finance Charges. For TDD (Telecommimicatlon Device for the Deal) assistance, please call 1-900-347-7448. The DiseoverO Titanium Card is issued by Discover Bank, Member FDIC. UM.` .,J V t K $3,223.76 $96.00 1 Enter Amount Enclosed Below CARD Paym ent __ Due __.- Dale $?? May 26, 2006 Please make check payable to Discover Titanium Card. Minimum payment due includes a past due amount of $48.00. 27 SDSN6A010010101 HOWARD, PATRICIA Will your payment get to us on lime? Pay b b ll li d t 162 E LOUTHER ST CARLISLE PA 17013-3027 your paymen can your i on ne an e made to your account on the some dayy. Visit Di d / t t d scovercar .com paymen s o ay. PO BOX 15251 IIl,rrllrrrrrlnllrrrl+?rlll WIL MINGTON DE 19886-5251 Address, email or telephone change? Print change in space IieeI llilreleelrlenliilleeilrlrebill ilnleeeelleleliiiillleleel above, or go to Discovercard.com. Print your email address to receive important Account information and special offers. 000001986762010878396032237600000000009600 Discover Titanium Card Account Summary Closing Date: April 27, 2006 page 1 of 1 Account number ending in 3188 Previous Balance $3,196.78 Payment Due Date May 26, 2006 Payments And Credits 0.00 Minimum Payment Due $96.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 26.98 Cash Credit Available $0.00 New Balance s $3,223.76 You may be able to avoid Periodic Finance Charges, see the reverse side For details. How Can We Help YOU? I . Visit Discover.com to pay your bit for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service our Discover Card available. options or to speak with a Customer Service Account Manager Please have y For TDD assistance for hearing see reverse side 3. Write us at Discover Card, PO Box 30943, ( impaired) Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You .,.«..« ATTENTION «****** ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION *******Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Your account has been suspended. Please call 1.800-DISCOVER (1-800-347.2683) so we can work together to resolve this problem. Use your Discover(R) Card to make a $100 donation to The Statue of Liberty-Ellis Island Foundation, Inc. and you can have the name of someone you care about engraved on The American Immigrant Wall of Honor(R), built to celebrate freedom and commemorate American Dreams. For more information log on to Discovercard.com Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $903.17 0.02712% 9.90% F 9.90% $7.59 none Cash Advances $2306.63 0.02712% 9.90% F 9.90% $19.39 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as n oted above. Important IMermatlon. If there is more than one page to this billing statement, see the back of each page for additional important information. See Vow Cardinemher Ag coonent. Your Cardmember Agreement contains all the terms of your Account o Lost er stolen cards. Report immediately! Call 1400-347-2683. ? BI" Rights Sinins". In Case of Errors or Ouestions About Your Gilt If you think your bill is wrong, or N you need more information about a transaction on ur bill, write us on a se arate sheet of paper at Discover Titanium; P.D. Box 15192; Wilmington, DE 19850-5192, as soon as possible We must hear Trom you no later than 6g days after we sent you the first bill on which the error or problem appeared. You can telephone us, but g doing so will not preserve your rights. In your letter, give us the following information: o Your name and Account number o -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 Item you are unsure about ° 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 delinquent or take any action to collect the amount you question. Special Rude for Credit Card Purchases: 6 you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the roblem with the merchant you may not have to Day the remaining amount due on the 11000' services. You have this protection only when Phe purchase price was. more than NO and the purchase was made in your home state or whin miles of your mailing address (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount of location of purchase.) As. Send only your payment antl, the top portion of this statement in the envelope provided.. Do not send cash. By sending your check as d above, you authorize us to use information on your check to make an electronic fund transfer from lrour account at the financial institution I on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will us amount of the check. When we use information from your check to make an electronic fund transfer funds may be withdrawn from your as It as he same tlay we receive r payment and you will not receive your check back from your financial institution. P rag ol your payment may ce slaved. d you send. cash, correspondence a other items with your Gaymenl U you send Ne payment to er address or if you use an envelope of er Nan the one provided Payments received on or alter 1 PM Monday through Friday or on a d or bank holiday will be posted to ur Account as ol Ne nest business tlay If you nave misplaced. your envelope, send your payment to Bank, PO Box 15251, Wilmington, DE 19BB8.5251. Please allay 7-10 days for detlvery. N your payment n returned unpaid, we reserve the resubmit H as an electronic dead can pay your minimum payment at a greater amount over the telephone. Call us at 1.800.347.2883. You will need this statement and Your count information You must ensure that sufficient funds are available in Your bank account and all transactions must comply with U.S. law. be asked to provide the first 5 digits of your account statement zip code. By orderly, those numbers as your electronic signature, you will be I to this authorization to allow us and your bank to deduct each payment you aurize, in the amount requested by you, from your bank In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment You may notify us by 11-000-347-2683 or by mail at address listed in the previous paragraph. Credit Reportlr* We may report information about your account to credit bureaus Late payments, missed payments, OF other defau9s on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agpencies each month. 9 you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Titanium Card, PD Box 15316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your enUra New Balance, by making payments or racennng credits However, via win provitle the following "graceperiad." If You paid the New Balance on your previous bilbng sratemen by Ne Pa rat Due Date shown on that stalemenl and you pa NE New lance oY the Payment Due Date on Nis sutemenl we. will not impose Periedio If Hance Charges on new purcnaseA that ia, purchases first appearing on Nn statement Otherwise, you will receive a bilking stalerronl next month Thal includes Periedic Finance Charges on (hose new purchases.There is no grace period. on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases suokct to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction cafepo ies Al Ne end of each billing periatl, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following uatlen d comppuute Periodic Finance Charges for each transaction category. Average Dairy Balance x number of days in the billing period x Daily Periodic Rate. (See the finance charge summary on your statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category We use the two-cycle average daily balance (including new transactional method of calculating the balance upon which we Impose Periodic Finance Charges This means if you did not pay the New Balance shown on l e billing statement you received during the previous billing period by the Payment Due Date shown on that statement we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement as well as new Wrchases that first appear on the current killing statement unless we already imposed Periodic Finance Charges on the purchases on your previous billing statement We compute Me Averse Wily Balance for each lranseblion ca"" V by adding up all the daiy balances in a billingg period for a transaction caleoorv and divWinp the total the number d days in the Hng cycle. V9e compute Ne daiy balance for each Vansecfion category on each day Dy ihst adding Ne Tollowing to a previous nays Ifaiy balance: transactions matle th day, teas charged that day and Penodic Finance Charges accrued on Ne prevous Jaya daiN balance; aid by Nen suMrading any coedits and payments Nal are applied against me Daunce of Ne transaction category on That day. In caioulab'ng the daiy balance for Ne prevxws billing period, we consider th e " evious Bays daiy balance" to have been zero on Ne fit. day of Ne billing period. N a transaction is boated. N your Account after Ne colas of the ng pedal m which it oceurs, we will treat the lransac on as having occurred on the first day of the billing period in which it le posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to he apppicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and Ne Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Teleconvo rdeatlen Device for the Deaf) assistance, please can 1.800-347-7448. The Discoverl9 Titanium Card is issued by Discover Bank, Member FDIC V13%.`'.-,N CK $3,250.09 $144.00 Enter Amount Enclosed Below CARD Payment Due Date $ June 26, 2006 Please make check payable to Discover Titanium Card. Minimum payment due includes a past due amount of $96.00. 27 SDSN6A01 0010102 HOWARD, PATRICIA Will your payment get to us on time? Pay your bill online and your payment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 made to your account on the same dayy. Visit Discovemard.com/paymentstoday. PO BOX 15251 ?(?rrr??rrrrr?r??rrr(rrr??) WIL MINGTON DE 19886-5251 Address, e-mail or telephone change? Print change inspacs b D d ?rri?r?r?r?rrrr??i?r?rrrr?)?r?ri? ove, or go to a iscovercar .com. Print your e-mail address fo receive important Account information and special offers. 000001986762010878396032500900000000014400 Discover Titanium Card Account Summary Closing Date: May 27, 2006 page 1 of 1 Account number ending in 3188 Previous Balance $3,223.76 Payment Due Date June 26, 2006 Payments And Credits - 0.00 Minimum Payment Due $144.00 Purchases + 0.00 Credit limit $4,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 If6wrrce Charges + 26.33 Cash Credit Available $0.00 _ New Balance $3,250.09 You may be able to avoid Periodic Finance Charges, no the reverse side for details. How Can We Help You? p 1. Visit Discover corn to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more ItrS your choice - 3 ways to help 2. Call 1.8004DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us of Discover Card PO Box 30943 For TDD (assistance for hearing impaired) see reverse side , , Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so of this time. We hove terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchoses to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due dote. See the Default Rate Plan section of the Cardmember Agreement for details. *****'• ATTENTION *'***** ATTENTION --- ATTENTION ****'** ATTENTION ******* ATTENTION ***'*'****We previously requested the past due amount on your account. We haw no record of receiving payment. The amount due should be paid at once. Your account has been suspended. Please call 1.800-DISCOVER (1.800.347.2683) so we can work together to resolve this problem. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dally Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $910.68 0.02712% 9.90% F 9.90% $7.41 none Cash Advances $2325.78 0.02712% 9.90% F 9.90% $18.92 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above. Imp~ Infamatlon. H there is more than one page to this billing statement, see the back of each page for additional important information. See yaw Cardnmmber Apartment. Your Cardmember Agreement contains all the terms of your Account Lost or stolen earab. Report immediateyl GII 1-800-347-2853. Z a BBSng Rights Summary. In Case of Errors or Questions About Your Bill. It You think your bill is wrong, or if yDE ou need more information about a o transaction on your bill, write us on a separate sheet of paper at Discover Titanium; PO Box 15192; Wilmington, 19650-5192, as soon as possible. e We must hear rom you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but g doing so will not preserve your rights. In your letter, give us the following information: o Your name and Account number. -The dollar amount of the suspected error. •Describe the error and explain, if you can, why you believe there is an error. U you need more information, describe the item you are unsure o about V 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 delinquent or take any action to collect the amount you question. id Rude tar Credit Card Purelrses: No u have a problem with the quality of goods or services that you purchased with a credit card. and Sp:Ch yoave tried in good faith to correct the problem with the merchant you mayy not have to pay the remaining amount due on the floods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or w1hin 100 miles of your mailing address. (If we own or rate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase ) Payments. Sentl only your payment and the top patron of Nis statement m Ne enveope provitletl. Do not send cash. By sending your check as deseriba0 above, you auNorite us to use infamalion on your check to make an electronic IunO transfer Irom your account at the financial institution IntllCated On your Check a l0 pfocess Ne payment: as a Check lraOSaCtiOn. If payment IS processetl as a0 electronic fund transfer, the transfer will be for then amount of then check. When we use information from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as Ne same tlay we receve YYoouur payment and you will not receve your check back from your financial institution. The processing d your payment may Da deWYetl d you send cash, correspwdena a other items with your payment, if you send the payment to any other address or d you use an envelope other than the one prowden. Payments received on a after 1 M Monday though Friday or on a weekend or bank haidav wtll be posted to r Account as of then next business day. If you have misplaced your envelope, send your payment to Discover Bank, PO Box 15251 Wilmington, DE 19886-5251. Please allow 7-10 Gays fa tlebvery. tt your payment is returned unpaid, we reserve the night le resubmit it as an elec6onic debit Vou can pay your minimum payment or a greater amount over Ne leephone Call us al 1.600-347.2883. You will need this statement and your bank account information You must enswe that sufticienl funds are available m r bank account and all transactions must Compy with U.S. law You will De asked to provide the first 5 digits of your account statement zip wile. ey entering those numbers as your electronic signature, you will De agreeing to this authorization to allow us and you bank to deduct each payment you aulfiorae, in the amount requested by you, from your bank account. In order to cancel a payment we must receive notice at le ast three days in advance of the scheduled payment You may notify us by phone at 1-000-347-2683 or by mad at address listed in the previous paragraph. Cradle Repatft We may report information about your account to credit bureaus Late payments, missed pa nts, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of Your Account to credit reporting a8enc es each month. If you believe that our report is inaccurate of incomplete, please write us at the lollovmg address Discover Titanium Card. P Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the dale you % your enure New Balance, by making payments or receiving credits However, we will provide the lollowmg grace periotl." If paid the New Baance on your previous billing statement by the Payment Due Dale shown on that statement and you pay the New Balance by he Payment Due Dale on this statement we ewill not impose Periodic Finance Charges on new purchases, that is, Durchases first appearing on this statement Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on Nose new purchases.There is no grace period on balance transfers or cash advances We sort your transactions into gproues of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. Fa example purchases su act to a promotional rate and purchases subject to a standard rate would be separate groups We refer to these groups as transaction ca or as. At the entl of each bi8ing periatl, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction ca ory We use the folowing equation to compute Parodic Finance Charges for each transaction category. Average Dairy Balance x number of days in the billing period x Daily Periodic Rate (See the finance charge summary on your statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category N et the total Periodic Finance Charges for your Account The Average Daily Balance is shown as zero if, because of the grace period. no Part is Finance Charges apply to the balance in a transaction category. We use the two-cycle.average daily balance (includi H new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means if you did not pay the New Balance shown on the billing statement you received durm the previous billing period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement as well as new purchases that first appear on the current billing statement, unless we already imposed Periodic Finance Charges on the purchases on your previous billing statement We compote then Averaggee Deiy Balance for each transaction ca'e0ory by adtling up all then daffy balances in a billing period for a transaction category and diviangg the tout 6Y the number of days in the billing cycle, We compute flee dairy balance for each lansacton category on each tlay Dy rirsl adding Nis Torlowing to the previous days tlafy balance: lransecUOns made that day, fees charged that tlay and Periodic Finance Charges accrued on the pr--u days dai(y balance; and by Nen wblracUng any credits and payments that are applied apamsl the balance a the transaction category o.1 that daY. In calcua(ng the tlafy balenee fa the previous billing period, w0 Consider Ne " revleus days tlaily balance" le have Deen zero On Ne fun day of the billing perH a transaction is led to your Account after Ne close M the billing period m which it occurs, we will treat Ne transaction as having occurred on the first day of Ne billing period in which it is posted to your Account All fees charged to Me ACCwnI are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction Category and Balance Transfer Transaction Fee Finance Charge which are added to the applicable balance transfer transaction category When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges W the standard purchase transaction category. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. Fm TDD (TelecommWeatlon Device for the Dead) assistance, pease call 1.800-347-7448. The Discovers Titanium Card is issued by Discover Bank, Member FDIC. Vt,tir'.. 1V CK $3,277.53 I L$192.00 L Enter Amount Enclosed Below _.._____. CARD Payment Due Date $ July 26, 2006 Please make check payable to Discover Titanium Card. Minimum payment due includes a past due amount of $144.00. 27 SDSN6A010010103 HOWARD, PATRICIA Will your payment get to us on time? Pay our bill online and our a ment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 y p y y made to your account on the same dayy. Visit covercard com/ a menfstoda Di s . p y y. PO BOX 15251 111111111151111111111111111 WILMINGTON DE 19886-5251 pa Addres, e-mail or abovesorgotoDiscovpelrcadcom.Print iyouree-mailcddressto receive important Account information and special offers. 000001986762010878396032775300000000019200 Discover Titanium Card Account Summary Closing Date: June 27, 2006 page 1 of 1 Account number ending in 3188 Previous Balance $3,250.09 Payment Due Date July 26, 2006 Payments And Credits 0.00 Minimum Payment Due $192.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 27.44 Cash Credit Available $0.00 New Balance $3,277.53 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? I . Visit Discover.com to pay your bill for no cost, view ur p latest Account information, earn and redeem reward and more It's your choice - 3 ways to help 2. Call 1.800.DISCOVER (347-2683) For Fast, easy selhservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TOD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so of this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account iF you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION * * * * * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Your account has been suspended. Please call 1.800-DISCOVER (I.800.347-2683) so we can work together to resolve this problem. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $918.24 0.02712% 9.90% F 9.90% $7.72 none Cash Advances $2345.10 0.02712% 9.90% F 9.90% $19.72 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Imperialist Information. If there is more than one page to this billing statement, see the back of each page for additional important information Bee your CWdmenWer Agreement. Your Cardmember Agreement contains all the terms of your Account ti 0 Lest or stolen cards. Report immediately! Call 1-800-347-2883. z Billing Rights Swnnsery In Case of Errors of Questions About Your Bill: 8 you think your bill Is wrong, or if you need more information about a c transaction on your bill, write us on a separate sheet of paper at Discover Titanium; P.O. Box 15192; Wilmington, DE 19650.5192, as soon as possible e We must hear Trom you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but g doing so will not preserve your rights. In your letter, give us the following information: c Your name and Account number. -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 item you are unsure o You do not have to pay any amount in puestion while we are investigating, but you are still obligated to V question. While we investigate your question, we cannot report you as delinquent or take any action to collect the am?ouunt youuqquessbill that tion. are not in Special Mole for CreNl Card Purehaes: 9 you have a problem with the quality of goods or services that you purchased with a credit card. and you have tried in good faith to correct the problem with the merchant, you mayy not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made in your home slate or wlThin 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the goods or services. all purchases are covered regardless of the amount or location of purchase.) PeymeMS. Send Dory your payment and tiro top portion of Nis statement in Ne envelope provided. Do not send cash. By sending your check as tlescribed aDOVe, you auNor¢e us b use information on your check te make an elecUOnrc fund Uanrin /ram your account at the financial institution intlk;aled on your check or te process Ne payment as a check transaction If payment n processed as an electronic fund transfer, the transfer will ba fa the amount of lha check. When we use rnfomation from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as Ne same day wa mttiw your payment antl you will not receive your check. back from your linancol institution. The processing of your payment may be delayed d you send cash, correspondence or other dams with your payment if you send the payment to any other atldress or d you use an envelope oilier Nan the one prowled. Payments received on or after 1 payment through Friday or on a weekend or Dank holitlay will De posktl tour Account as of Ne next business tlay. If you haw misplaced your envelope, sentl your payment to Discover Bank, PO Box 15251 Wilmington, 19886.5251. Please albw 7.10 days for delivery. If your payment IS returned unpai . we reserve the rpht te resubmit it as an electronic: dealt You can pay your minimum payment or a greater amount over Ne telephone. Call us at 1.800.347.2683. You will need this statement and Your bank account information. You must ensure Nal sufficknl funds are aveilabie in r bank account and all transactions must comply with D.S. law. You will be asked to provide the first 5 digits of your account statement zip code. t entering, Nose numbers as rur electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you aullrorixe, in the amount requested by you. from your tank account In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment Yo may notify us by phone at 1.800-347-2683 or by mail at address listed in the previous paragraph. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed pa nts, or other defaults on your account may be reflected In your credit report We normally report the status and payment history of your Account W credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover Titanium Card, PO Box 1531 fi, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the as you ppsayy your entire New Balance, DY making Wymenls or mcewing credits However, vie will provde Ne following grace riod." tt you ,d the New Balance or your previous billing state ment by Ne Payment Oue Date shown on Nal statement, and you pay. Ifie New Baeknce Dig the f?aymanl Due Date on Nis statement we will not impose Periotlic Finance Charges on new purchases, that iA ppuurchases lrrsl appearing on Nis atalemenL Wherwrse, you will receve a billing statement next month Nat includes Periotlre Finance Charges on fhou new purchases.There is no grace pe nod on bala n ce transf n ers or cash advaces. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example purchases ,subkcI to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as tansacton ca ies. Ai Ne end of each billing period we compute balances and Periodic Finance Charges for each day of the billin period far each transaction ca ry. We use the following aCUation to coreppuuto Perio die Finance Charges for each transaction category. Avers Dairy Balance x number of days in the billing period x Daily Periodic Rate. (See the Mince chargge summary on your statement for these amounts. Then we add up ine Pmioalc Finance Charges for each transaction categoryy to ggeet the total Periotlic Finance Charges for your Account The Average Daily Balance b shown as zero if, because of the grace period, no Perbdre Finance Charges apply to the balance in a transaction category We use the two-cycle average daiy balance (including new (ransactionel method of calculating the balance upon which we impose Periodic Finance Charges This means it you did not pay the New Balance shown on the billing statement you received during the previous billing ppeeriod by the Payment Due Date shown on that statemenL we will impose Periodic Finance Charges on new purchases that first appeared on that baling statement, as well as new ppuurchases that lust appear on the current billing statement, unless we already Imposed Periodic Finance Charges on the purchases on your previous billu g statement We compute Ne Average Deity Balance for eacA Uansaction category Dig adding up all Ne daily balances In a billing period for a transaction category antl jI.con hntlinp the total by Na number ct days m Ne billing cycle. We compute Ne tlaiy balance for each UansacDOn category an each day Dig first addithe olbwinq te Die previous days dairy bala nce: transactions matle mat day, tees charged Nat tlay and Periotlle Finance Charges accrued on Ne evious days AdaiN balance; and by th en suDUacting any credits and payments Nat are append against Ne balance of Ne transaction category on tl. day. In cafe fe g Ne daffy Dalance for the ptevxws billinC per we consider Ne " revious days daffy balance" b flaw been zero on Ue first f thlling prtransaction ed te your counNclose of Doling period m whR occurs, we will beat the tranas having occurred on the first day ol the billing period in whic h it is posted to your Account All fees chargetl to your Account are added to the standard purchase transaction cat with the exception of Cash Advance Transaction Fee finance chat! which are added to the applicable cash advance transaction catteeopory and lance Transfer Transaction Fee Finance Charges which are added Wine applicable balance transfer transaction category When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to Ne standard purchase transaction category However. if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDO (TNaeamnuNeallon Device for the Dead. assistance, pease eel 1-800-347-7449. The DlscovetS Titanium Card is issued by Discover Bank, Member FDIC. V IJt.' : ,>' V C K $3,304.29 $240.00 L Enter Amount Enclosed Below CARD ------ - - Payment Due Date -- $ August 26, 2006 Please make check payable to Discover Titanium Card. Minimum payment due includes a past due amount of $192.00. 27 SDSN6A01 0010104 HOWARD, PATRICIA Will your payment get to us on time? Pay 162 E LOUTHER ST CARLISLE PA 17013-3027 your bill online and your payment can be made to your account on the same dayy. Visit Discovercard.com/paymentsMy. PO BOX 15251 111111111111 Ill 11011 ill mill WIL MINGTON DE 19886-5251 Address,a-mail or telephone change? Print change in space Istill b D d IIIr1I111111111111111I1I1till I1I1Ir111IIlIlI111/III1IrrI a ove, or go to iscovercar .com. Print your e-mail address to receive important Account information and special offers. 000001986762010878396033042900000000024000 Discover Titanium Card Account Summary Closing Date: July 27, 2006 page 1 of 1 Account number ending in 3188 Previous Balance $3,277.53 Payment Due Date August 26, 2006 Payments And Credits - 0.00 Minimum Payment Due $240.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 26.76 Cash Credit Available $0.00 New Balanee $3,304.29 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? I . Visit Discover com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 Ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy selfservice . options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD lamistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfix rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION * * * * * * * Your account Is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $925.86 0.02712% 9.90% F 9.90% $7.52 none Cash Advances $2364.58 0.02712% 9.90% F 9.90% $19.24 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Wormation. If there is more than one page to this billing statement, see the back of each page for additional important information. Sae Vow Cardmamber Agreement. Your Cardmember Agreement contains all the terms of Your Account rn a Lott or stolen Cards. Report immediate) ! Call 1400-347-2683. Z BNW4 Rights ?anma? Case of Errors or Oueslions About Your Bill: If You think your bill is wrong, or if you need more information about a . transaction on Sr bill, w N rite us on a separate sheet of paper at Discover Trtamum: P.0 Box 15192; Wilmington, DE 19850-5192, as soon as possible We must hear rom you no later than 60 days after we sent you the 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: o Your name and Account number. -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 item you are unsure o about V 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 delinquent or take any action to collect the amount you question. SpeelY Rule for Credit Card Plarehasa: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant you mayy not have to pay the remaining amount due on the sods or purchase price was more than S50 and the purchase was made in your home state or within 100 services You have this protection only when problem miles of your mailing address (if we own at operate the merchant or H we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location c purchase.) Paymems. Send only your payment antl the top portion of Nis stetemenl in Ne envelope provded. Do not send cash. By sending your check as descnDed above, you authorize us o use inlormaUOn on your check o make an elecUomc land transfer from Yyoouur account at the financial institution indicated on your check or o process the payment as a check transaction. If payment n procassetl as an eectronic fund transfer, the transfer will DO for lid amount of Ne check. When we use mlermation from year Check to make an eectronic Nnd transfer funds may be withdrawn from Your account as soon as Ne same tlay we mceiw your payment and you will not receive your check back from your hmancial institution. Tha processxip of your payment may W delayer d you sentl cash, correspondence or other items with your payment if you send the payment to any other address or d yoq use an envelope other than the one provided. Payments received on or after t PM Monday through Friday or on a weekentl or Dank hoktlay wall De posted o r Account as o/ the next Dusmess day If you have misplaced your envelope, send your payment to Discover Bank, PO Box 15251, Wilmington, DE 19BBfi-5251. Please allow 7-10 tlays for delivery II your payment is returned unpai . we reserve the rgm o rewbmil it as an eectrOnic debit You can pay your minimum payment or a grater amount over the telephone. Call us at 1.600.347.2683. You will need this statement and Your Dank account information. You must twit Nat is funds are available in Your Dank account and all transactions must comply with U.S. w You will W asked to provide the first 5 digits. of your ur acco count statement zip code.. try enlerNC Nose numbers as your electronic signaturee, you will be 1rou, from your bank agreemg to this authorization to allow us and your hank to deduct each payment you authorize, in the amount requested by account In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment You may notify us by phone at 1.800.347.2683 or by mad at address listed in the previous paragraph. Cmdt Reporting. We nay in information about your account to credit bureaus Late payments, missed pa ants, of other defaults on your account may be reflected In your credit report We normally report the status and payment history of your Account to credit reporting agencres each month. If you believe that our report is inaccurate or incomplete, please write us at the following address Discover Titanium Card, PO Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the dale the transaction is posted to your Account until the date you 4. your entire New Balance, by making payments or receiving credits. However, we will provide the following grace period." If you paitl the New nce on your previous billing statement by the Pa ant Due Date shown on that statement and yyoou payy. iDe lace Balance by the Payment Due on this statement we will not impose Periodic Fyn rice Charges on new purchases, that is, purchases lust appearing on this statement Otherwyou will receive a billing statement next month that includes Periodic Finance Charges on those new purchases.There is no grace period on balance transfers or cash advances We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Hale. For example purchases subect to a promotional rate and purchases subject to a standard rate would be separate groups We refer to these prowpz as transaction cote 0ones. t the end of each killing per we compute balances and Periodic Finance Charges for each day of the billingg period for each transaction category. We use the following equation to compute Periodic Finance Charges for each statement category Average Wiry Bounce x number of aye in the billing period x Dairy Pen le Bale. (See the finance charge summary on your these amounts.) Then we add up the Periodic Finance Charges for each transaction category o gel the total Periodic Finance Charges for your Account The Average Daily Balance is shown as zero it because of the grace period. no Fer rodo Finance Charges apply to the balance m a We use the two-cycle average daily balance (incluf iriG new Uansactio isl method of calculating the balance upon which we impose Periodic Finance Charges This means d you did not pay the New Balance shown on the billing statement you received durm09 the previous billing period by the Payment Due Date shown on that statement we will impose Periodic Finance Charges on new purchases that frsl appeared on that billing statement as well as ri Chases that first appear on the current billing statement unless we already Imposed Periodic Finance Charges on the purchases on your previous bi Ung statement We compute Ne Aver tpe Daily Balance for ach Uansaclion cat7--n Dy atltling up all N¢ daily balances in a billing period for a transaction category Ne foul 6v Ne number of days in Ne billing cyce compute the tlaiy balance for each Uansacfion category on each day by Tirsl and div iding adding the ldlowinp o the previous days ally Wlance: transamatle that desy, tees charged that tlay and Periodic Rnance Charges accrued on the evous days desddvv Wlance; and Dy th en wDUacUng any s antl payments mat are applied agamsl the balance of the transaction category on that desy. In caleulabng lan daily Wlance for the previous period, we censkkr Na " revous days dairy Wlance" o have Wen zero on the first dayy of Ne billing perIf a Uan-C. is posted to your Account after Na close of the Dillinp period m which it occurs, we will treat the transact on as having occurred on N¢ first it., of (rte billing period in which it is ptsstetl o your Account All tees charged to your Account are added to the standard purchase transaction cafe with the exception of Cash Advance Transaction Fee Finance Cnarges which are added to the applicable Cash advance transaction cateory and Balance Transfer Transaction Fa Finance Charges which are added to the applicable balance transfer transaction calepmy. When the special? a expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction categorV. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TOO (Telseammwdr:aUon Device for the Deed. assistance, please ea9 1.000-347-7149. The Discovers Titanium Card is issued by Discover Bank, Member FDIC V 1.71-` -N tK $3,332.17 $288.00 Enter Amount Enclosed Below CARD Payment Due Date $ September 26, 2006 Please make check payable to Discover Titanium Card. Minimum payment due includes a past due amount of $240.00. 27 SDSN5A01 0010105 HOWARD, PATRICIA Will your payment get to us on time? Pay a ment can be our bill online and our 162 E LOUTHER ST CARLISLE PA 17013-3027 y y p y made to your account on the some day. Visit mentstoda ve card com/ a Di p y. . y sco r PO BOX 15251 Illrrrllrsrrrlrllrrrlrrrlll WILMINGTON DE 19886-5251 Address,a-mail or telephone change? Print change in space our e-mail address to o to Discovercord com Print above or . . y , g receive important Account information and special offers. 000001986762010878396033321700000000028800 Discover Titanium Card Account Summary Closing Date: August 27, 2006 page 1 of I Account number ending in 3188 Previous Balance $3,304.29 Payment Due Dote September 26, 2006 Payments And Credits - 0.00 Minimum Payment Due $288.00 Purchases + 0.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Cha es Finance + _27.88 Cash Credit Available $0.00 _ _ New Balance _ $3,332.17 You may be able to avoid Periodic Finance Charges, see the reverse side for details. How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You While we are permitted under the Cordmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so al this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you Fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement For details. ...*- ATTENTION ATTENTION '"""" ATTENTION ""'"' ATTENTION --- ATTENTION *******Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made Immediately. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $933.54 0.02712% 9.90% F 9.90% $7.84 none Cash Advances $2384.21 0.02712% 9.90% F 9.90% $20.04 $0 The rates that apply to your Account are either fixed If) or they may vary (V) 03 noted above. Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See yaw Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account o Lost r stolen tarot. Report immetliatayl Call 1-900J47-2889. Z BWbg Nightt Snannnry. In Case of Errors or Ouewons About Your 801 If you think your bill is Wrong, or if you need more information about a c transaction on Your Dill, write us on a separate sheet of paper at Discover Titanium; P.D. Box 15192: Wilmington, DE 19650.5192, as soon as possible We must hear rose you no Wier than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but S doing so will not preserve your nghts In your letter, give us the following information: o Your name and Account number. o -The dollar amount of the suspected error. •Describe the error and explain, rf you can, why you believe there is an error. U you need more information, describe the item you are unsure T V about v 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 delinquent or take any action to collect the amount you question. Special! Rub for Credit Card Franchisees: I you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant you maY not have to pay the remaining amount due on the to ll or services. You have this protection only when a purchase price was more than 150 and the purchase was made in your home state or wi in 100 miles of your mailing address. (l we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) PaymeM t. Send only your payment and Ne lop portion of Nis statement in Me envelepe provided. Do not send cash. By sending your check as descnW aDOve, you authorize us to use Inlrmallen on your chock to make an eectromc fund transter from your account at the financial institution indicated pin your check or ta process the payment for as a check transaction. S paymen n t prtro enic tocssed as an electronic fund transfer, the transfer will be the amount of the check. When we use rnformalron Trom your check to make an elecune transfer funds may be withdrawn from your account as soon as the same day we receive Yyoouur payment and you will not receive your check back from your )inancWl institution. The processing of yoir payment may he data d if you send cash, correspondence or other items with your payment if you send the payment to any other address or d ou use an anvenpe olTe Nn e one providedPants rcon or M Monday Nrouph Friday or on a ekend or nk Dolidill be to Account as of th l t pos businedayI have misplaced your envelope, send your payment le er Ban, Box 21 Wilmington, 9886.5251Please al.10 days for delveryyour payment is returned unpaid, we reserve the ht to reubmit tl as n eronic debbfrt u can y yow miimum payment or a greater amount over me talephone. Call us al 1.800.347.2683. You will need this statement and yoor Dank account information. You must ensure at sufficlenl funds are aveiWDle m r Dank account and all transactions must comply with OS. cut You will be asked to provide the first 5 digits of your account statement zip code. ey entering those numbers as Yyour electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount requested by you, from your bank accoun In order to cancel a payment we must receive notice at least three days in advance of the scheduled payment You may nobly us by phone at 1-800-347-2683 or by mail at address listed in the previous paragraph. Cre& Reporting. We may report information about your account to credit bureaus Late payments, missed pa nts, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of Your Account to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at the following address Discover Titanium Cam, PO Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are Imposed on all transactions from the dab the transaction is posted to your Account unul Ne dale frou pay your entire New Balance, by making payments or receiving credits However, we will provide the followingg grace period' If yyoouu paid the New Balance on your previous billing statement by the Pumenl Due Date shown on that slatemenL and yyoouu pa the New Balance by the Payment Due Date on this statement we. will not impose Periodic finance Charges on new purchases, that is, Purchases first appearing on this statement IXherwise, you will receive a biting statement next month that includes Periodic Finance Charges en those new purchases.There is no grace period on balance transfers or cash advances. We sort your transactions into pploops of purchases, cash advances, and balance transfers and then further sort the transactions within each group by heir Annual Percentage Itab. Fr example purchases.wbtecl to a promotiona' rate anti purchases wbiect to a standard late would be separate groups. We refer to these groups as transaction ca mores. At the end of each billing per we compute balances and Periodic Finance Charges for each day of the Dilkn period for each transaction ca ry. We use the following aqualxm to camDUta Periodic Finance Charges for each transaction category. Average Davy Balance x number of days in the billing period x Daily Periodic Rate. (See the finance charge summary on your statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to pet the total Periodic Finance Charges for your Account The Average Daily Balance is shown as zero if. because of the grace penod,no Periodic Finance Charges apply to the balance in a transaction category. We use the two-cycle average daily balance (including new transactions method of calculating the balance upon which we impose Periodic Finance Charges This means if you did not pay the New Balance shown on a billing statement you received during the previous billing period by the Payment Due Date shown on that statement we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement as well as new Purchases that first appear on the current billing statement unless we already imposed Periodic Finance Charges on the purchases on your previous bi ling statement We compute the Avers Daily Balance nor each transaction categorryY Dry adding up all the dairy balances in a bung periotl for a transaction category and divrdng the total Ne numDer ref days to Ne btting cycle. tide compute the daffy balance for each ltansacPlen category on each day Dylust adding the Talowing to a previous day's dally balance. transactions made Nat dory, fees charged that day and Peripdic finance Charges accrued on the preVlWa Wy'a laity balance; and by Nan wDUacUng any creels and payments coal are applied against Ono balance of the transaction category on t at In In cakula rip the daily balance for Ne previous billiesg perwe consitler Ne " choirs days daffy balance" to have been zero on the first day of the billing period if a uansaclan is poste0 N your Account after th e close of he bilfing period m witch it occurs, we will heal the uansacUOn as having occurred on the first day of ht a billing period in whim fib is posted to your Account All fees charged to your Account are added to the standard purchase transaction categon! with the exception of Cash Advance Transaction Fee Finance Charts which are added to the applicable cash advance transaction cate?Ory and lance Transfer Transaction Fee Finance Charges which are added to e appicable balance transfer transaction category When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction wlegory. However. if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category unfit the special rate would have expired For TOO (TNeeanuma icatlon Device Far the Deaf) asslatenee, please eel 1400-047.7!!9. The Discover6 Titanium Card Is issued by Discover Bank, Member FDIC. TV CK $3,417.43 $355.00 I Enter Amount Enclosed Below CARD -- Payment Due Date ---' October 26, 2006 Please make check payable to Discover Titanium Card. Minimum payment due includes a past due amount of $288.00. 27 SDSN6A010010106 HOWARD, PATR ICIA Will ur payment get to us on time? Pay your bill online and your payment can be 162 E LOUTHER ST CARLISLE PA 17013-3027 made to your account on the some day. Visit Discovercard.cam/poymentstoday. PO BOX 15251 111111111111111111111111111 WIL MINGTON DE 19886-5251 e-mail or p 11'11 erc 9 ' rl m r 111111111111 i i 111111111111111'111'I'1" 11'111111 11111 i 11 above, or Discov ard. om Print you e- ail add ess to ' receive important Account information and special offers. 000001986762010878396034174300000000035500 Discover Titanium Card Account Summary Closing Date: September 27, 2006 page 1 of 2 Account number ending in 3188 Previous Balance $3,332.17 Payment Due Date October 26, 2006 Payments And Credits 0.00 Minimum Payment Due $355.00 Purchases + 39.00 Credit Limit $4,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,300.00 Finance Charges + 46.26 Cash Credit Available $0.00 New Balance $3,417.43 You may be able to avoid Periodic Finance Charges, we the reverse side for details. How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 1. Visit Discovercom to pay your bRl for no cost, view your latest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Doh Other/Miscellaneous Sep 27 Sep 27 LATE FEE $ 39.00 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 60606-6613. While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Man section of the Cardmember Agreement for - - details. **"*** ATTENTION *****"* ATTENTION **"*"** ATTENTION **""*** ATTENTION "****** ATTENTION * * * * * * * Your account is seriously past due. Payment of the amount due and arrangements For future payments should be made immediately. Important Information. If there is more Nan one page to this billing statement, see the back of each page for additional important information. Sae your Car6eemher Agreemdst. Your Cardmember Agreement contains all the terms of your Account o N Loot or stolen cargo. Report immedlatey! Call 1400-347-2688. Z BNhg Mghla Summary. In Case of Errors or Questions About Your Bill. N you think your bill is wrong, of H you need more information about a c transaction on rut bin, write us on a separate sheet of paper at Discover Titanium; P.0 Box 15192; Wtlnungton, DE 19850.5192, as soon as possible We must hear from you no later than fi days after we sent you the first bill on which the error or problem appeared. You can telephone us, but g doing so will not preserve your rights. In your letter, give us the following information: o -Your name and Account number. The dollar amount of the suspected error. °i -Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure To about 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 delinquent or take any action to collect the amount you question. Special Rule for Credt Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card. and you,haw tried in good, faith to cared the pprtoblem with the merchant you may not have to ay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than 550 and the purchase was made in your home stale or Wl in 100 miles of your mailing address. IN we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location or purchase.) Paynrenfa. Send only your ,payment and the lop portron of Nis statement in the envelope provbetl. Do not send cash. By sending your check as described above, you authorize us to use information ou your check to make an elecUOnio fund transter from yyoouur account at the financial institution mdioaletl on your check or to process tie payment as a. check lansaction. If payment is processed as an elect fund transfer, the transfer will be for the amount ot the check. When we use information from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as lie same tlay we receive Y?r payment antl you will not receve your check Dack from your hriancial institution. The processing of your payment may De delayed d yes send cash, correspondence or other items with your payment if you send the payment to any other address a it you use an envelope other Nan the one provided Payments received on or after 1 PM Monday through Friday or on a weekend or Dank hWiday Will be posted to r Account as of the next busmass day. If you haw misplaced your envelope, send ur payment to Discover Bank, PO Box 15251 Wilmington, DE 19886-5251. Please allow 7-10 days for delivery. If your payment is returned unpaid. we reserve the right to msubmit it as an electronic tie 't You can Vey your minimum payment or a greater amount over the telephone. Call us al 1.800-347-26e3. You will need this statement and Your bank account information. You must ensure that wffioient funds are aveilaote in your Dank account and all transactions must comply with U.S. law. You will Oe asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, it the amount requested by You, from your bank accounCt In order to cancel a payment we must receive notice at least three days in advance ot the scheduled payment You may notify us by phone at 1.800-347-2683 or by mail at address listed in the previous paragraph. CrodN Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencxs each month. N you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Titanium Card, PQ Box 15316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account unlN the dale you pay your entire New Balance, by making payments or receiving credits. However, we will provide the following grace period." If 1yropu Gaid the w Balance on your previous billing statement IF the Payment Due Date shown on that statement and you pay tBa lace Balance by the Payment Due Dale on this statement we, will not impose Periodic finance Charges on new purchases, that is, purchases fori appealing on this statement Otherwyou will receive a billing statement next month that includes Periodic Finance Charges on tose new purchases.There is no grace period on balance transfers or cash advances We sort your transactions into Qroues of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. Fa example purchases subjIect to a Gromotional rate and Vumhases subject to a standard rate would be separate groups. We refer to these groups as Uansadron catspories Al the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category We use the following Wuation to compute Periodic Finance Charges for each transaction category. Average Da It y Balance x number of days in the billing period x Daily Periodic Rate (See the finance chargQe summary on your statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to pet the total PetiDdic Finance Charges for your Account The Average Daily Balance is shown as zero if, because of the grace period, no Ferndic Finance Charges apply to the balance in a transaction category. - - We use the two-cycle average daily balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means if you did not pay the New Balance shown on a billing statement you received during the previous billing period by the Payment Due Date shown on that statement we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement as well as new Purchases that first appear on the current billing statement unless we already imposed Periodic Finance Charges on the purchases on your previous billing statement We compute the AversOpeE Daily Balance for each transaction categorryy by adding up all the daily balances in a billing period for a transaction cafe0ory and dividin the total 6 the number of desys in the billing cycle. LNa compute the daily balance for each transaction category on each day by lust adding the followindg to the previous day's dary balance: transactions made that III% fees charged that day and Periodic Finance Charges accrued on the previous day's a% balance: and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the tlaiytra balance for the previous billing period, we consider the " revious day's daily balance" to have been zero on the first tlay of the billing period If a nsaction is posted to your Account after the close of lDe billing period in which it occurs, we will treat the transaction as having occurred on the first day of a billing period in which it is posted to your Account All teas charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Chargaa which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are edtlatl to is a_?plicable balance transfer transaction catteeggoryWhen the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges io the standard purchase transaction category. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. Far 700 (Teleeammunleatien Device for the Dead. assistance, please eel 1.800.347.7U9. The Discover* Titanium Card is issued by Discover Bank, Member FDIC. U10t. N CK CARD DISCOVER I ACC-..l number ending in 3186 it ?s ?E I Real answers from real people. When you hove a question or concern about your Discover' Card account, we're here. 24 hours a day, 7 days a week. And you won't get caught in an endless automated voice loop-you'll be connected to a friendly, knowledgeable Customer Service Representative in less than a minute. It's just one of the ways we put you first. Call us al 1.800-DISCOVER (I -800-347.2683) 02007 Dixover honk, M.A6 FDIC Closing Date: September 27, 2006 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $943.88 0.04449% 16.24% V 16.24% $13.01 none Cash Advances $2410.62 0.04449% 16.24% V 16.24% $33.25 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discovercard.com or call 1-800-DISCOVER (1-800-347-2683. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based upon the facts as supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for filing of this Amended Complaint, and that the facts set forth in the foregoing Amended Complaint are true and correct to the best of his knowledge, information and belief. Patrick Thomas Woodman, Esquire PA I.D.#34507 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5760285 CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's Amended Complaint has been served by U.S. Mail, on the day of A U-w T , 2008 upon the following: GEOFFREY M. BIRRINGER, EXQUIRE MIDPENN LEGAL SERVICES 401 East Louther Street, Suite 103 Carlisle, PA 17013 W&WLO-?' Lb b o%wow- Patrick Thomas Woodman, Esquire PA I.D.#34507 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5760285 C7 C. ?a © 0 s?_ =y ,. Mfir- JCD - it -? c,a IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. PATRICIA HOWARD Defendant No. 07-6877-CIVIL PRAECIPE FOR DEFAULT JUDGMENT ON AMENDED COMPLAINT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: WILLIAM T. MOLCZAN, ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5760285 Judgment Amount $ 4002.33 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No, 07-6877-CIVIL PATRICIA HOWARD Defendant PRAECIPE FOR DEFAULT JUDGMENT ON AMENDED COMPLAINT TO THE PROTHONOTARY: Kindly enter Judgment against the Defendant, PATRICIA HOWARD above named, in the default of an Answer, in the amount of $4002.33 computed as follows: Amount claimed in Complaint $3502.33 Interest from date of judgment at the legal interest rate of 6% per annum Attorney's fees $500.00 TOTAL $4002.33 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: WILLIAM T. MOLCZANdESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5760285 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A.,1400 Koppers Building, 436 7d' Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 162 E LOUTHER ST, CARLISLE, PA 17013 IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Case no: 07-6877-CIVIL Plaintiff VS. PATRICIA HOWARD Defendant NON-MILITARY AFFIDAVIT The undersigned, who first being duly sworn, according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, PATRICIA HOWARD is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the Defendant, PATRICIA HOWARD is not in the military service. Further Affiant sayeth naught. AFFIANT SWORN TO AND SUBS RIBED in my presence this 8 day of JUNE 2009. C0MM0NWj8 :f4 QF RENNSYLVANIP Nelenal Seel Wayne A. Jones, Notary Public CRY of N ARY UBLI My C mpmiWa h, Allegheny eJune , n County 0 Member, Pennsylvania Association of Notaries This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. Request for Military Status Department of Defense Manpower Data Center 40 Military Status Report Pursuant to the Servicemembers Civil Relief Act Page 1 of 1 JUN-02-2009 12:09:33 ?K Last Name First/Middle Begin Date Active Duty Status Service/Agency HOWARD PATRICIA Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. nom, r4. .c00.e,_6 A1?V.- Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person ( e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: http://www.defenselink.mil/faq/pis/PC09SLDR.html WARNING: This certificate was provided based on a name and Social Security number (SSN) provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:IZPJDOXRHW https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 6/2/2009 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff PATRICIA HOWARD Defendant TO: Geoffrey Biringer, Esquire Midpenn Legal Services 401 E. Louther Street Carlisel, Pa 17013 Date of Notice: I WWR#:057660285 CASE#: 07-6877-CIVIL IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 WELTMAN, WEINBERG & REIS CO., L.P.A. PATRICK THOMAS WOODMAN, ESQUIRE PA I.D. #34507 WELTMAN WEINBERG & REIS CO., L.P.A. 1400 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 (412) 434-7955 WWR #05760285 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff PATRICIA HOWARD Defendant TO: Patricia Howard 162 E Louther St Carlisle,Pa 17013 Date of Notice: /2 W WR#:057660285 CASE#: 07-6877-CIVIL IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 WELTMAN, WEINBERG & REIS CO., L.P.A. PATRICK THOMAS WOODMAN, ESQUIRE PA I.D. #34507 WELTMAN WEINBERG & REIS CO., L.P.A. 1400 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 (412) 434-7955 WWR #05760285 THE PZ' '~)f, r ?)TApY 2009 AN 15 f'll l : 18 C?C?t ?/ U??Uys * dmi IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No. 07-6877-CIVIL PATRICIA HOWARD Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $4002.33 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary By: Aft 5? _2" PR ONOTARY TY) PATRICIA HOWARD 162 E LOUTHER ST CARLISLE, PA 17013 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7t' Avenue, Pittsburgh, PA 15219 1-888-434-0085 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 07-6877-CIVIL PATRICIA HOWARD Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Onder or Judgment was entered against you (xx) Assumpsit Judgment in the amount of $4002.33 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary By: PRO ONOTARY P Y) GEOFFREY BIRINGER, ESQUIRE MIDPENN LEGAL SERVICES 401 E. LOUTHER STREET CARLISLE, PA 1701.3 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7`s Avenue, Pittsburgh, PA 15219 1-888-434-0085