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Home My WebLink About07-7465.1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: 67- '7q(p5 Civil ie m vs. ROBERT B SPEAKMAN COMPLAINT IN CIVIL ACTION Defendant 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 06307992 C A Pit WLG IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No ROBERT B SPEAKMAN 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 ¦ • s 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: ROBERT B SPEAKMAN 341 E MEADOW DR MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 6011002798373221 . 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 November 28, 2007 , in the amount of $5833.14 . 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 $1000.00 ¦ • s 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 , ROBERT B SPEAKMAN INDIVIDUALLY , in the amount of $5833.14 with interest at the legal rate of 6.000W per annum from date of judgment plus attorneys' fees of $1000.00 , and costs. J42)4 armbrodt,42524 WWEINBERG & REIS CO., L.P.A. 4nth Avenue, Suite 2718 Pgh, PA 15219 (4-7955 F -338-7130 0 C A Pit WLG This law firm is a debt collector at em ing to collect this debt for our client and any information obta'ne will be used for that purpose. C/ Ru $661.00 Payment Due Date October 5, 2007 7 17055-5168 ?., tt --um number ending in 3221 Enter Amount Enclosed Below Please make check You payable to Discover Card. are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $833.14. 06 SDSN6A01 0007698 ROBERT SPEAKMAN 341 E MEADOW DR MECHANICSBURG PA Manage your budget, track your spending and avoid fees with FREE timely email reminders. To find out more, visit Discovercard.com/reminders PO BOX 15251 III„'II1II Address, e-mail or telephone change? Print change in space WILMINGTON DE 198862 ,,,rl'„'I„'I above, or go to Discovercard.com. Print your e-mail adcJress to -5251 receive important Account information and special offers,"'II'f1, 'I. 1I,111 111 11111 I1 l111l,l'I'I""11'1'1"'1111i1ii1 000006011002798373221058331400000000066100 Discover More Card A ccount Su mmary Account number endi i Closing Dote: September 6 2007 ng n 3221 Payment Due Date October 5 2007 , Previous Balance page 1 of 1 , Minimum Payment Due $661 00 Payments And Credits $5,615.23 . Credit Limit $5 000 00 Purchases 0.00 , . Credit Available $000 Cash Advances + 78.00 Cash Credit Limit $2 500 00 Balance Transfers + 0.00 . Cash Credit Available $0.00 , Finance Charges + 0.00 --.--___ New Balance ± 139.91 You may be able to avoid Periodic Finance Charges, sea he 1 _4 reverse side for details. Cashback B Onus Opening Cashback Bonus Balance New Cashback Bo E $ 0 00 nus arned , X0.00 Cashback BonusO Anniversary Date: July 6 Cas ilack Bonus Red Balance $ 0.00 $ 0.00 How Can We Help You? F Please have your Discover Card available. or Account Inquiries, write to us at. Discover More Card B Manage your account online at Discovercard c , ox 30943 Salt Lake City, UT 84130 . om Customer Ssrvice: 1-800-DISCOVER 1-800-347-268 ( 3) TDD (Telecommunications Device for the Dea : For assistance fl T , see reverse side. ransactions $0 Fraud Liability Guar t an Trans. Post ee Use your Discover Card wi h confidence . Date Date Other/Miscellaneous Sep 6 Se 6 O p VERLIMI T FEE Sep 6 Sep 6 LATE FEE 39.00 Information For You 39.00 * * * ATTENTION * * * Your account is seriously past due. Payment o payments should be made immediatel nt due y, arrangements for F Via uture Finance Charge Summar y Ave age Dail v IY Periodic ale c s Rates Rates Nominal ANNUAL ANNUAL N PERCENTAGE PERCENTAGE F RA S Transaction Fee current billing period: 31 days I ANC TE RATES QiA90U FIGES Purchases $5682.63 Cash Advances 0.07942% $0 28.99% V 28 99% 0.07942% The rates that apply to your Account are eith f . 28.99% V $139.91 none er ixed (F) or the may vary N) as noted abboove. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unworn falsifications to authorities, that he/she is Robert Adkins (Name) Accounts Manager of DFS Services, LLC , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. ignature) WWR # 6307992 ROBERT B SPEAI{MAN 6011002798373221 n M T Tt is J GJ N3 r7C .?fa1 'T c? OtA SHERIFF'S RETURN - REGULAR CASE NO: 2007-07465 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DISCOVER BANK VS SPEAKMAN ROBERT B SHANW HARRISON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE SPEAKMAN ROBERT B DEFENDANT was served upon the , at 1908:00 HOURS, on the 27th day of December , 2007 at 341 E MEADOW DR MECHANICSBURG, PA 17055 ROBERT SPEAKMAN by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 10.56 Affidavit .00 Surcharge 10.00 .00 it p 9/0'/ , 38.56 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 12/28/2007 WELTMAN WEINBE EI c By: eputy Sheriff of A. D. IN THE CUMBERLAND COUNT,X COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ]DIVISION DISCOVER BANK Case No. 07-7465 Civil Term Plaintiff VS. ROBERT B. SPEAKMAN ANSWER, DENIAL, AFFIRMATIVE Defendant 1. ANSWER Defendant answers the complaint a? follows: 1. I generally admit the statements in paragraph 2, 3, and 5 except for the following statement in paragraph 3: The amount/balance due on statement of account, exhibit A 2. I generally deny the amount of debt contained in paragraphs 4, 6, and 7 and also on statement of account, exhibit A. 3. I lack knowledge about the truth of paragraphs 1 and 8 and therefore deny the statements. WHEREFORE, Defendant dema ds that Plaintiff's Complaint be dismissed and for such further relief to which De endant may be entitled. DATED this 15th day of January, 2008. Robert B. Speakman, Defendant Name: Robert B. Speakman Address: 341 East Meadow Drive Mechanicsburg, PA 17055 Phone No.: (717) 697-3977 COMPLAINT SERVED ON 12/27/2007 COMPLAINT FILED BY THIS PARTY: James C. Warmbrodt, 42524 on behalf of Plaintiff WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Phone: (412) 434-7955 FAX: (412) 338-7130 06307992 C A Pit WLG CERTIFICATt OF SERVICE I hereby certify that I served a copy of the Answer to: Weltman, Weinberg, & Reis Co., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 James C. Wrmbrodt, 42524 By certified U.S.-mail this 15th day of January 2008. Robett B. Speakman, defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: 07- 7gto5 t-iv"1 It-7e vs. ROBERT B SPEAKMAN COMPLAINT IN CIVIL ACTION Defendant 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 06307992 C A Pit WLG rte. COPY FROM RECORD .0 T$ONny wheW, l hm unto set my hanc and the so. of said Court at coWg, pa. "py ofT& 107 ?pil -7. rv IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVILIDIVISION DISCOVER BANK Plaintiff: vs. Civil Action No ROBERT B SPEAKMAN 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 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: ROBERT B SPEAKMAN 341 E MEADOW DR MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 6011002798373221 . 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 November 28, 2007 , in the amount of $5833.14 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 $1000.00 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 , ROBERT B SPEAK !kM INDIVIDUALLY , in the amount of $5833.14 with interest at the legal rate of 6.0001; per annum from date of judgment plus attorneys, fees of $3000.00 , and costs. James .`Rarmbrodt,42524 WELT WEINBERG & REIS CO., L.P.A. 436 ev nth Avenue, Suite 2718 Pit sbu gh, PA 15219 (4 2) 4 4-7955 F : 4 2-338-`7130 0 3079792 C A Pit WLG This law firm is a debt collector at, em Ling to collect this debt for our client and any information obta'ne will be used for that purpose. i 7- ` -, oumow ending in 3221 - I 566T.U0 f Elver Amount Enclosod Below Cl RU L? Payment Due Date I $ 1 -? - October 5, 2007 Please make chock payable to Discover Card. You are overlimit Pay the sum of the monthly minimum payment plus the ovedimif amount of $833.14. Of SDSN6A01 0007696 f a 'j `?:i - ROBERT SPEAKMAN 4.7- Manage your budget, track your spending 341 E MEADOW OR and avoid fees with FREE timely e-mail reminders. To find out more, visit MECHANICSBURG PA 17055-5168 ;J.". ". s Discovercard.com/reminders PO BOX 15251 }}}1161}rtiIIIIiIIIIIiIIIII WILMINGTON DE 19886-5251 Address, e-mail er telephone change?"Print change in space above, or go to Discovercord.com. P } 9 k+!}Ir}u}n}r}n}sr}}wi}i}ur}r}I }I }surtlr}0}rrn}}}r}u} ?nt your e-mail address to receive important Account informatio and special offers. 0000060110007983173221058331400000000066100 Discover More Card Account Summary Closing Date: September 6, 2007 page 1 of I Account number ending in 3221 i : Previous Balance $5,615.23 Payment Due Date Ocfob0 5, 2007 Payments And Credits 0.00 *nimum Payment Due $661.00 Purchases + 78.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers i- 0.00 Cash Credit Limit $2,500.00 Finance Char 06 _ +_ 139.91 Cash Credit Available $0.00 Neva Balance - $5,833.14 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance s 0.00 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Available to Redeem $ 0,04 Date: July 6 How Can We Help ou .t, for Account Inquiries, write to us at, Please have your Discover Card ofla6le. Discover More Card, PO Box 30943 Suit Lake City, UT 84130 Manage your account online ut iscovercarcl.com TDD ITelecommunications Device for the Deal): Customer Service: 1800-DISCO R (1.800.347-2683) For assistance, see reverse side. Transactions $f? Fraud Liability Guarantee Use your Discover Card with confidence. Tr ns. Post D to Date Other/Miscellaneous S$p 6 Sep 6 OVERUMIT FEE $ 39.00 Sep 6 Sep 6 LATE FEE 39.00 Information For You ATTENTION Your account is seriously past due. Payment of the amount due ctnd arrangements for future payments should be made immediately. EB f;' 1. W .' Finance Charge ? ummory Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Deify Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE o ces Rates RATES RATES CHARGES CHARGES current billing period: 31 dayfs Purchases I $5682.63 0,07942% 28.99% V 28.99% $139,91 none Cash Advances $0 0.079-42% 28.99% V 28.99% $0 $0 The rotes that apply to your *ccoun( are either fixed (F) or they may vary fV) as noted above VERI 'ICATION The undersigned does hereby verify subject?to the penalties of 18 PA..C.S. §4904 relating to uns,worn falsifications to authorities, that he/she is _ Robert Adkins (Name) Accounts Manager of D FS LLC plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of > is/her knowledge, information and belief ignature) W WR # 6307992 ROBERT B SPEAKMAN 6011002798373221 ,s IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, VS. ROBERT B SPEAKMAN, Defendant. Case No.: 07-7465 CIVIL TERM MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler, Esquire Pa. I.D.# 93598 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 6307992 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 07-7465 CIVIL TERM VS. MOTION FOR SUMMARY JUDGMENT ROBERT B SPEAKMAN, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $$5833.14 with interest at the interest rate of 6.00% per annum from date of judgment, attorneys fees, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around April 4 2008, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that he has made no payment on the credit card since MAY 10 2007; that he applied for the credit card; that the statements attached to Plaintiffs Discovery WWR No. 6307992 Request correctly identify the payments, charges, and balances on the account; that he has not submitted any written disputes as to billing inaccuracies; and that as of AUGUST 25 2008, $5833.14 is a correct and accurate balance on the credit card account. 7. By way of his Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $$5833.14 with interest at the legal interest rate of 6.00% per annum from date of judgment, attorneys fees, and costs. Respectfully Submitted: By: L/ Benjam ler, E quire Pa. I.D.# 598 Weltman, berg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 6307992 MET A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. ROBERT B SPEAKMAN Defendant No: 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 06307992 C A Pit WLG IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. ROBERT B SPEAKMAN Defendant Civil Action No 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 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: ROBERT B SPEAKMAN 341 E MEADOW DR MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 6011002798373221 . 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 November 28, 2007 , in the amount of $5833.14- 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 $1000.00 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 , ROBERT B SPEAKMAN INDIVIDUALLY , in the amount of $5833.14 with interest at the legal rate of 6.000% per annum from date of judgment plus attorneys' fees of $1000.00 , and costs. J42)4 armbrodt,42524 WWEINBERG & REIS CO., L.P.A. 4nth Avenue, Suite 2718 Pgh, PA 15219 (4-7955 F -338-7130 0 C A Pit WLG This law firm is a debt collector atkempking to collect this debt for our client and any information obta ned will be used for that purpose. C/ Ru 06 SDSN6A07 0007698 ROBERT SPEAKMAN 341 E MEADOW DR MECHANICSBURG PA L 4661.00 Payment Due Date October 5, 2007 17055-5168 Enter Amount Enclosed Below LL 1 Please make check ayable to Discover Card. minimum poym nt plus the overlimit? amount?lof $833.14. Manage your budget, track your spending and avoid fees with FREE timely e-mail reminders. To find out more, visit Dlscovercard.com/reminders PO BOX 15251 Address, e-mail or telephone change$ Print change in space WILMINGTON DE 19886-5251 above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers, 000006011002798373221058331400000000066100 Discover More Card Account S um mary Account number ending in 3221 Closing Date; September 6, 2007 Page 1 of 1 Payment Due Date October 5, 2007 Minimum Payment Due $661 00 Previous Balance Payments And Credits $5.615.23 . Credit Limit $5 000 00 Purchases - 0.00 , . Credit Available $0 00 Cash Advances + 78.00 . Cash Credit Limit $2 500 00 Balance Transfers + 0.00 , . Cash Credit Available $0 ? Finance ?argss + 0.9 ' New Balance ± 139.91 14 You may be able to avoid Periodic Finance Char es re h d s verse si e for details. g , ee e Cashback Bonus® O pening Cashback Bonus Balance New Cashback Bonus Earned = 00 Cashback Bonus® Anniversary D Cashback Bonus Balance Available to Red + $ 0.00 ate: July 6 eem - $ 0.00 How Can We Help You? For A Please have your Discover Card available ccount Inquiries, write to us at. Discover More Card PO B . Manage your account online at Discovercard.com , ox 309,43 Soh Lake City, UT 84130 Customer 5ervics: 1-800 DISCOVER (1.800-347-268 3 ) TDD (Telecommunications Device for the Dsaf : For assistance see Transactions , reverse side. $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Sep 6 Sep 6 OVERLIMIT FEE Sep 6 Sep 6 LATE FEE 39.00 Information For You 39.00 *"* ATTENTION * * * Your account is seriously past due. Payment of the ount due payments should be made immediately, arrangements for Future to Finance Charge Summary Average Dail Y Ba n e• poi IY Periodic R Nominal ANNUAL PERCENTAGE ANNUAL PERCENTAGE FINANCE Transaction Fee current billing period: 31 d ates RATES RATES FENCE A FINANCE ays GES Purchases $5682.63 Cash Advances $0 0.07942% 0 07942% 28.99% V 28,9946 $139 91 The rates that apply to your Acc t . 28.99% V 28.99% . $0 none $0 oun are either fixed (F) or the ma va Y Y ry N) as noted above. ---------- --- VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unworn falsifications to authorities, that he/she is Robert Adkins (Name) Accounts Manager of DFS Services, LLC , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. ignature) WWR # 6307992 ROBERT B SPEAKMAN 6011002798373221 IN THE CUMBERLAND COUNTY COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION 1y<6 DISCOVER BANK EXHZ I? Case No. 07-7465 Civil Term Plaintiff VS. ROBERT B. SPEAKMAN ANSWER, DENIAL; AFFIRMATIVE -- - `' -? Defendant un ~'_ t >' , = Co I. ANSWER ('.T, ` Defendant answers the complaint as follows: 1. I generally admit the statements in paragraph 2, 3, and 5 except for the following statement in paragraph 3: The amount/balance due on statement of account, exhibit A 2. I generally deny the amount of debt contained in paragraphs 4, 6, and 7 and also on statement of account, exhibit A. 3. I lack knowledge about the truth of paragraphs 1 and 8 and therefore deny the statements. WHEREFORE, Defendant demands that Plaintiff's Complaint be dismissed and for such further relief to which Defendant may be entitled. DATED this 15'' day of January, 2008. Robert B. Speakman, Defendant Name: Robert B. Speakman Address: 341 East Meadow Drive Mechanicsburg, PA 17055 Phone No.: (717) 697-3977 COMPLAINT SERVED ON 12/27/2007 COMPLAINT FILED BY THIS PARTY: James C. Warmbrodt, 42524 on behalf of Plaintiff WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Phone: (412) 434-7955 FAX: (412) 338-7130 06307992 C A Pit WLG CERTIFICATE OF SERVICE I hereby certify that I served a copy of the Answer to: Weltman, Weinberg, & Reis Co., L.P.A. 436 Seventh Avenue. Suite 2718 Pittsburgh, PA 15219 James C. Warmbrodt, 42524 By certified U.S. mail this 15th day of January 2008. Robert B. Speakman, defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: a7- 7q(05 e- r rv, vs. ROBERT B SPEAKMAN COMPLAINT IN CIVIL ACTION Defendant 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 06307992 C A Pit WL0 1"A COPY FROM RECORD -n Tes&marry who", I here unto suet my nark wd 9" so-of said cwrt at Catwo, Pa. Jay c"7 rv IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No ROBERT B SPEAKMAN 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 COMPLAINT 1. Plaintiff, is a corporation with offices at 6S00 New Albany Rd, New Albany, OH 43054. 2. Defendant is adult individual(s) residing at the address listed below: ROBERT B SPEAKMAN 341 E MEADOW DR i MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 6011002798373221 . 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 November 28, 2007 , in the amount of $5833.14 S. 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 $1000.00 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 , ROBERT B SPEAKMAN INDIVIDUALLY , in the amount of $5833.14 with interest at the legal rate of 6.000% per annum from date of judgment plus attorneys, fees of $1000.00 , and costs. Jamearmbrodt,42524 EINBERG & REIS CO., L.P.A. WEL77 436 h Avenue, Suite 2718 Pit , PA 15219 (4 27955 F : 38-7130 0 3072 C A Pit WLG This law firm is a debt collector at em tang to collect this debt for our client and any information obta'ne will be used for that purpose. - _ _ - ?? I S6bl.U0 - uuni number ending in 3221 Enter Amount Enclosed Below C/ RU Payment Due Dote $ October 5, 2007 Please make check payable to Discover Card. Yo l u are ovar imit. Pay the sum of the monthly minimum a ment l th li - p y p us e cver mit amounl of $833 14 06SDSN6A010007698 ROBERT SPEA .- .; ..?. . . KMAN 341 E MEAD (-.%` Manage your budget, track your spending d i OW DR an avo d fees with FREE timely e-mail MECHANICSBURG PA 17055-5168 reminders. To find out more, visit Discovercard.comlreminders PO BOX 15251 }?Irrs}}rsr??nrs??nt?tr}} Address, e-mail or telephone change? Print change ins?ace WILMINGTON DE 19886-5251 above, or go to Discovercard.com.Print your e-mail addressto }"'!}}'f't}'r}'irr}ri}}rr }r}rrr}r},},}rrrr}}r},}rtri?}}r}rr? receive important Account information and special offers. 000006011002798373221058331400000000066100 Discover More Card Account Summary Closing Date; September 6, 2007 page 1 of 1 Account number ending in Payment Due Dat 3221 O b Previous Balance $5 615 23 e Minimum Payment Due cto er 5, 2007 $661.00 Payments And Credits Purchases , . 0.00 Credit Limit $5,000.00 Cash Advances + 78.00 Credit Available $0.00 Balance Transfers + 0,00 Cash Credit Limit $2,500.00 Finance Char es + 0.00 Cash Credit Available $0.00 g blew Balance + _139.91 - $5,833.14 You may be able to ovoid Periodic Finan ce Charges see the reverse side for details. , .Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus Earned + 000 Cashback Bonus Bolance $ 0.00 Cashback Bonus® Anniversary Available to Redeem $ O OQ Date: July 6 HOW Can We Help You?. For Account Inquiries, unite to us at. Please have your Discover Card ava>yable Discover More Card, PO Box 30943 . Manage your account online at Discovercord,com Salt Lake City, UT 84130 Customer Service: 1-800-DISCOVER -800.347.2693 11 ) TDD (Telecommunications Device for the Deaf); For or assistance, sae reverse side. Transactions $0 Fraud Liability Guarantee Use our Disco C d Trans. Post y ver ar with confidence. Date Date Other/Miscellaneous Sep 6 Sep 6 OVERLIMIT FEE Sep 6 Sep 6 ATE FEE $ 39.00 39.00 Information For You ATTENTION Your account is seriously past due. Payment of the amount due d arrangements for future payments should be made immediately. , ID8. finance Charge Summary Avero e 9 Daily y Doil Periodic Nominal ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic T roruadton Fee al ces Rates RATES RATES Flt CHARGE RGES FINANCE CHARGES currant billing period: 31 days Purchases $5682.63 Cash Advances $0 0.07942% 0 079 42% 28.99% V 28.99% $139.91 none . - 28.99% V 28.99% $0 $0 The rotes 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. §4904 relating to unworn falsifications to authorities, that he/she is Robert Adkins (Name) Accounts Mangier of DFS Services, LLC , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her kuowledge, information and belief. / may' ? ignature) WWR # 6307992 ROBERT B SPEAKMAN 6011002798373221 W ow c MMMUM IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK, Plaintiff, V. NO.: 07-7465 CIVIL TERM ROBERT B SPEAKMAN, Defendant. PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Submitted by: BENJAMIN R. BIBLER PA I.D #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 06307992 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK, Plaintiff, V. NO.: 07-7465 CIVIL TERM ROBERT B SPEAKMAN, Defendant. PLAINTIFF'S FIRST REQUEST FOR ADAUSSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. WWR No. 06307992 7. In these Requests for Admissions: A. The word "person s " means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a erson means to state the full name and present or last known address and business address of such L)erson(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify" when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identi each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identi the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. WWR No. 06307992 If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter, number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2• Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3 Produce all documentary evidence or information substantiating the defenses asserted in your Answer. WWR No. 06307992 REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in the Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 2: The attached monthly statements, from September 06, 2005 through December 31, 2007, correctly identify the payments, charges, and balances on the account. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: Defendant has made no payment on the credit card since May 10, 2007. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply specific written documentation supporting the denial. WWR No. 06307992 REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. REQUEST FOR ADMISSION NO. 5: $5,833.14 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. PA ".3598 WE , WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 06307992 VlJTftr T 116.11\ CARD Please make check ayyable to Discover Platinum Card or pay online W Discovercard.com. Make payments on your soli a, fn advance or an the same day as your due date. Visit Disoovero ardoom/payments to make an online payment today. Payment Due Date October 5, 2005 06 SDSN6A01 0002363 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 PO BOX 15251 111 111111111 11 WILMINGTON DE 19886-5251 Address, go to change# ??)?i)u?i??i)u)n?)ni) Print your e-mail nadspadress to 11 receive important Account information and special offers. 000006011002798373221049830000000000010000 Discover Platinum Card Account Summary Closing Date: September 6, 2005 page 1 of 2 Account number ending in 3221 Previous Balance $0.00 Payment Due Date October 5, 2005 Payments And Credits 25.00 Minimum Payment Due $100.00 Purchases + 63.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $17.00 Balance Trons6n; + 4,945.00 Cash Credo Limit $2,500.00 Finance Charges + 000 Cash Credit Available $17.00 New Balance $4,983.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashbock Bonus® Anniversary- - - - - - - - - - - • - Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. Opening Cashbook Bonus Balance $ 0.00 New Cashbock Bonus Earned + 0.16 Cashback Bonus Balance $ 0.16 -- - - - -Available to Redeem.. .. ... _ ... _ _ $ _ - --.0100. _ How Can We Help You? For Account inquiries, writs to us at: Please have your Discover Card available. Discover More Carol, PO Box 30943 Salt lake City, UT 84130 Manage your account ordine at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800.347.2683) For assistance, we reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 12 Aug 12 INTERNET PAYMENT - THANK YOU $ .25 00 Restaurants Aug 6 Aug 7 DAMON'S GRILL MECHANICSBURGPA 63.00 galaece Trdris&i:: - Aug r -' ADg 8 AWRIW4 EXPRESS XXXXXXXXXXX3008 7N' Fl. 3;5475.0o.. APR 0.00% EXPIRES 06/2006 Aug 8 Aug 8 AMERICAN EXPRESS XXXXXXXXXXX1004 IN FL 1,400.00 APR 0.00% EXPIRES 06/2006 Information For You 'Auto Bill Pay is Discover(R) Card's free service for paying your bills. Phone. Cable. Subscription services. And more. It's a great way to saw time while building your Cashback Bonus(R). Visit Discovercard.com/Autobillpay to sign up today. VIJ?r 'r ? Ln I VI--WC.WV CK? CARD Real answers from real people When you have a question or concern about your Dis account, we're here. 24 hours a day, 7 days a week. get caught in an endless automated voice loop-you'I to a friendly, knowledgeable Customer Service Repres than a minute. It's just one of the ways we put you firs) Call us at 1-B00-DISCOVER (1-800-347-2683) 02007 Discover Bank, Member FDIC Closing Date: September 6, 2005 page 2 of 2 Finance Charge Summary Average Dail Daily Nominal ANNUAL P E ANNUAL Periodic Transaction Fee y Balances Rates R TESNTAGE RATEESNTAGE F IN GE FINANCE current billing period: 31 days C S Purchases $0 Cash Advances $0 0.00000% 0 05751% 0.00% F 20 99% F 0.00% $0 none Balance Transfers $4764.51 . 0.00000% . 0.00% F 20.99% 0.00% $0 $0 $0 $0 previous billing period: 9 days Purchases $0 0.00000% 0.00% F 0.00% $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. none Questions? Manage your account at Discovercard.com or call 1-800-DISCOVER (1-800-347-26831. W"%W ? 1.1% CARD 06 SDSN6A010002364 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Payment Due Date $ November 5, 2005 Please make check payable to Discover Platinum Card. You are oveilim it. Pay the sum of the monthly minimum yment Pius the overlimit amount of $109. 3 Make payments on your schedule, in advance or on the same day as your due date. VisN Disooveroard.oomlpayments to make an online payment today. PO BOX 15251 IIIII gill 11 111111 1111111111 WILMINGTON DE 19886-5251 Address, e-mail or youmailnaddresto (nrlllrlnlulrlnlnllnrlrlnr1rlrlrluullrlrlunlllrInl abo orgotoDitscovpercard om..Printr h receive important Account information and special offers. 000006011002798373221051094300000000020300 Discover Platinum Card Account Summary Closing Date: October 6, 2005 page 1 of 1 Account number ending in 3221 Previous Balance $4,983.00 Payment Due Date November 5, 2005 Payments And Credits 0.00 Minimum Payment Due $203.00 Purchases + 74.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 52.A3 Cash Credit Available $0.00 New Balance a $5,109.43 You may be able to avoid Periodic Finance Charges, see the reverse side for details. ' Cashback Bonus' Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0,16 = C•ashback Bonus®•Anniversary - - - - - - • - - - - - - - - - - -Available to Redeem -- .... - - - - $ -- - - - _ 0.00. _ . - ' Dab: July 6 How Can We Help You? For Account Inquiries, writs to us at. Please have your Discover Card available. Discover More Card, PO Box 30943 Sob Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Dea9: Customer Service: 1-8004)ISCOVER (1.800.347.2683) For assistance, no reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscsganeaus Oct 5 Oct 5 LATE FEE $ 39.00 Oct 6 Oct 6 OVERUMIT FEE 35.00 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due amount i Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Bakinces Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 30 days Purchases $63.32 0.03490% 12.74% V 12.74% $0.66 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4944.97 0.03490% 12.74% V 12.74% $51.77 $0 previous billing period: 31 days Purchases $63.00 0.00000% 0.00% F 0.00% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. CARD 06 SDSN6AOt 0002365 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA Payment Due Date December 5, 2005 Please make check payyable to Discover Platinum Card or pay online 0 Discovercard.com. B Make payments on your schedule, In advance or on the same day as your due 17 055 - 5168 date. Visit Disooveroard.oom/payments to make an online payment today. Address, e-mail or telephone change6 Print change in space above, or go to Dtscovercard.com. Print your e-mail address to receive important Account information and special offers. PO BOX 15251 111111 1111111111 WILMINGTON DE 19886-5251 IrnnIllrlrrLJrlull11111r61rrr1Jrlrlrr,rllnlJrrnlll,lrrl 000006011002798373221049601500000000010000 Discover Platinum Card Account Summary Closing Date: November 6, 2005 Account number ending in 3221 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available December 5, 2005 $100.00 $5,000.00 $39.00 $2,500.00 $39.00 page 1 of 1 Previous Balance $5,109.43 Payments And Credits - 203.00 Purchases + 0 00 Cash Advances + . 0 00 Balance Transfers . + Finance Charges 0.00 + New BakInc. 53 72 $4,960.15 You may be able to avoid Periodic Finance Charges see the reverse side for details. , Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashbock Bonus Earned + 0.00 Cashback Bonus Bdance $ 0.16 Cashbock-BonusO Anniversary .. ...... Available to Redeem $ 0.00 Date: July 6 Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, writs to us at. Please hers your Discover Cord available, Discover More Card, PO Box 30943 Salt Manage your account online at Discovercard eom Lake City, UT 84130 Cud- Service: I.800-DISCOVER (1-800-347-2683) Foray assistance, see reverse side. Dea Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Dab Payments and Credits Oct 12 Oct 12 INTERNET PAYMENT - THANK YOU $ -203.00 finance Charge Summary Average Daily Daily Periodic Nominal ANNUAL PERCENTAGE ANNUAL R NTAGE Periodic Transaction Fee Balance :current billing eriod: 31 da Rates RATES C A FINANCE CAGES FINANCE CHARGES p ys Purchases $138.38 Cash Advances $0 0.03490% 12.74% V 12.74% $1.50 none Balance Transfers $4826.88 0.05751% 0.03490% 20.99% F 12 74% V 20.99% $0 $0 . 12.74% $52.22 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. CARD Payment Due Date January 5, 2006 $ L Please make check payable to Discover Platinum Card or pay online ! Discovercard.com. 06 SDSN6A01 0002366 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your schedule, in advance or on the same day as your due data. Vlait Disooveroard.oomlpaymems to make an online payment today. PO BOX 15251 111111111 Is 11 If 11 11 111111 11 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. 000006011002798373221049133100000000009900 Discover Platinum Card Account Summary Closing Date: December 6, 2005 page 1 of 1 Account number ending in 3221 Previous Balance $4,960.15 Payment Due Data January 5, 2006 Payments And Credits 100.00 Minimum Payment Due $99.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $86.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 53.16 Cash Credit Available $86.00 New Balance s $4,913.31 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashba& Bonus Balance $ 0.16 C-ashback Bonus® Anniversary - - - - - - - • - - • - - -Available to.Redeem - . . _ .. $ O.OQ Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Progroml Full 5% Coshback Bonus on Got More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at, Please have your Discover Card available. Discover More Card, PO Box 30943 Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Devito for the Deaf): Custe nor Service: 1-800-DISCOVER (1.800.347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 5 Dec 5 INTERNET PAYMENT - THANK YOU -100.00 -Information-For-You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FFINA GCE Balance Rates RATES RATES FWD 3 current billing period: 30 days Purchases $139.89 0.03559% 12.99% V 12.99% $1.50 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4839.27 0.03559% 12.99% V 12.99% $51.66 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. CARD Payment Due Date February 5, 2006 06 SDSN6A010002367 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA B 17055-5168 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. Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. Make payments on your schedule, in advance or on the same day as your due date. Visa Dlaooveroard.oorn*ymente to make an online payment today. PO BOX 15251 111.1 Kill 11 1111 is HII 11 11 WILMINGTON DE 19886-5251 1111 111 1111 11111111111 11111111111 loll 1111111111 11 11111111 11 11 1 000006011002798373221048688100000000009800 :Account number ending in 'Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available Discover Platinum Card Account Summary Closing Date: January 6, 2006 page 1 of 1 3221 Previous Balance $4 913 31 February 5, 2006 Payments And Credits , . 100 00 $98.00 Purchases + . 0 00 $5,000.00 Cash Advances + . 0 00 $131.00 Balance Transfers + . 0 00 $2,500.00 Finance Charges + . 55 50 $131.00 New Bdance . $4,868.81 You may be able to avoid Periodic Finance Charg es, see the reverse side for details. 'Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback-Bonus® Atmiversary - . - - - - - -Available to Redeem $ -0.00- Date: July 6 Cashback Bonus(R) is America's #I Cash Rewards Programl Full 5% Cashbock Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, writs to us at Please have your DiK0Ver Card available. Discover More Card, PO Box 30943 Sant Lake your account online at Diuovercard.eom City, UT 84130 Customer Service: 1-800-DISCOVER (1-800-347.2683) For ass ?M m? e? D°d a for the Deafj: Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date ' Payments and Credits Jan 6 Jan 6 INTERNET PAYMENT - THANK YOU $ -100.00 Information. For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE CHARGES FINANCE o e Rates RATES current billing period: 31 days Purchases $141.42 0.03627% 13.24% V 13.24% $1.59 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4795.47 0.03627% 13.24% V )3.2,4% $53.91 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. W CARD Payment Due Date $ ?- March 5, 2006 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $98.00. 06 SDSNBA01 0002368 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your schedule, in advance or on the same day as your due date. Visit Disoovercard.oom/paymente to make an online payment today. PO BOX 15251 11111111111 1111 pace WILMINGTON DE 19886-5251 Address, e-mail or p ove, or go to Dis overcard cchange? Print om. Print yourte-mail cddress to receive important Account information and special offers. 000006011002798373221049628300000000019800 Discover Platinum Card Account Summary Closing Date: February 6, 2006 page 1 of 1 Account number ending in 3221 ' Payment Due Date March 5, 2006 Minimum Payment Due $198.00 Credit Limit $5,000.00 Credo Available $37.00 Cash Credit Limit $2,500.00 Cash Credit Available $37.00 Previous Balance $4,868.81 Payments And Credits 000 Purchases + 39.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 55 02 New Balance $4,962.83 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus®-Anniversa Available to Redeem 'Date: July 6 How Can We Help You? For Account Inquiries, writs to us at- Please have your Discover Card evadable. Discover More Card, PO Box 309,43 Salt Lake City, UT 84130 Manage your account online at Discovercard com MD (Telecommunications Device for the Deaf): Customer Service: I-800-DISCOVER (1-800.347.2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post . Date Dap Cidw/Miscellaneous Feb 6 Feb 6 LATE FEE $ 39.00 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due amount. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.03627%; corresponding ANNUAL PERCENTAGE RATER : 13.24%.. Rate is subject to tho-lon s_oF the offer. including- expiraation- Finance Charge Summary Average Daily ly Nominal ANNUAL ANNUAL Transaction Periodic Fe Daily Periodic s Balance Rates PERCENTAGE PERCENTAGE RATES RATES e FINANCE FFINCE CHARGES current billing period: 31 days The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Purchases $143.03 0.03627% 13.24% V 13.24% $1.60 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4752.36 0.03627% 13.2490 V 13.24% $53.42 $0 CARD Payment Due Date $ ---? April 5, 2006 Please make check ayyaable to Discover Platinum Card or pay online Dtscovercard.com. 06 SDSWA01 0002369 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA B Flake payments on your schedule, in advance or on the same day as your due 17055-5168 date. Visit Disooveroard.oomlpaymente to make an online payment today. PO BOX 15251 11111111111111111 1111 pill 11 pa WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Priuhasmailn space to above, or o to Discovercard.com. Print receive important Account information and special offers. 000006011002798373221048138800000000009700 Discover Platinum Card Account Summary Closing Date: March 6, 2006 page 1 of 2 Account number ending in 3221 Previous Balance 962 $4 83 Payment Due Date April 5, 2006 Payments And Credits , . 200 00 Minimum Payment Due $97.00 Purchases . Credit Limit $5,000.00 Cash Advances + 0.00 + 0 00 Credit Available $186.00 Balance Transfers . + 0 00 Cash Credit Limit $2,500.00 Finance Charges . + 51 05 Cash Credit Available $186.00 New Balance . s $4,813.88 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bo nus® Opening Cashbock Bonus Balance $ 0 16 New Cashbock Bonus Earned . + 000 C hb Cash6ack Bonus Balance A l l $ 0.16 as ack-Bonus® Annivers ary ysti . - . - - - - abb e to Redeem - - - - . - ..$ . -0100. Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashbock Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback .Bonus on all your other purchases. How Can We Help You? For Account Inquiries, writs to us at: Please have your Discover Card available. available. Discover More Card, PO Box 30943 Sob Lake City, UT 84130 Manage your account online at Discovwcard.com TDD (Telecommunications Device for the Dean: Customer Service: 1-800-DISCOVER (1-800.347.2683) For assistance, see reverse side. ransactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 22 Feb 22 INTERNET PAYMENT - THANK YOU $ -100.00 Mar 5 Mar 5 INTERNET PAYMENT - THANK YOU .10000 1Aitrmation For You - Balance Transfer offer for current billing period: Daily Periodic Rate: 0.03696%; corresponding ANNUAL PERCENTAGE . RATE: 13.49%. Rate is subject to the terms of the offer including expiration. Starting March 25 visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to sign up for our next Get More promotion to get 5% Cashback Bonus(R) on gas and select auto purchases made at locations like AutoZoneIRI. Pao Bovs. CARD Real answers from real people. When you have 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 at 1-800-DISCOVER (1-800-347-2683). 02007 Discover Bank, Member FDIC Closing Date; March 6, 2006 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al ces Rates RATES RATES CHARGES G S current billing period: 28 days The rates kid apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discovercard.cotn or call 1-800-DISCOVER 11-800-347-26831. Purchases $183.77 0.03696% 13.49% V 13.49% $1.91 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4750.22 0.03696% 13.49% V 13.49% $49.14 $0 U1.7%W%,1V tl r.K CARD 06 SDSNSA01 0002370 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA B 17055-5168 V 17-V ' L."M ^11luum CnclaSea Delow Payment Due Date $ May 5, 2006 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $97.00 Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.com/payments to make an online payment today. PO BOX 15251 WILMINGTON DE 19886-5251 Address, email or telephone changell Print change in space above, or -o to Discovercard.com. Print your e-mail address to I if ,IIIrI'i III III irIl l IIrur I III l all I III If l III I III receive important Account information and special offers. 000006011002798373221049300800000000019400 Discover Platinum Card Account Summary Closing Date: April 6, 2006 page 1 of 1 ,Account number ending in ' 3221 Previous Balance $4,813.88 Payment Due Dote May 5, 2006 Payments And Credits 0.00 Minimum Payment Due $194.00 Purchases + 39 00 Credit Limit $5,000.00 Cash Advances . + 0 00 Credit Available $69.00 Balance Transfers . + 0 00 ,Cash Credit Limit $2,500.00 Finance Charges . + 77 20 Cash Credit Available $69.00 New Balance . s $4,930.08 You may bs able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus* Anniversary -Available to Redeem ... _ . ..... _ . _ . $ -.0.00. Date: July 6 How Can We Help You? For Account Inquiries, write to us at. Please have your Discover Card available. Discover More Card, PO Box 30943 Salt Lake City, UT 84130 i Manage your account online at Discovemard corn TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1$00.347.2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date ;Other/MisesUansous Apr 6 Apr 6 LATE FEE $ 39.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05134%; corresponding ANNUAL PERCENTAGE RATE: 18.74%. Rate is subjed to the terms of the offer including expiration. !R###*#* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION * * * * * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 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 $186.19 0.05134% 18.74% V 18.74% $2.97 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4664.94 0.05134% 18.74% V 18.74% $74.23 $0 The rates that apply to your Account are either fixed (F) or they may vary m as noted above. VIa7\.. V GR CARD 06 SDSNBA01 0002371 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 J Y7 ?.vv ? ?.uo? N..VU..i L..L?VaoV Vo?V YI Payment Due Date June 5, 2006 Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. Make payments on your schedule, In advance or an the same day as your due date. Visit Dlsooveroard.oom/payments to make an online payment today. PO BOX 15251 1111111111111111111 11111111 11 WILMINGTON DE 19886-5251 Address, e-mail or telephone changs6 Print change in space 113111 ( 1111 h i l t 1 11 1 1 1 1 1 If I I I l I l 11111111111 r 1 l 1111111111111 above, or go to Discovercard.com. Print your e-mail ac Cass to ' If receive important Account information and special offers. 000006011002798373221048050800000000009500 Discover Platinum Card Account Summary Closing Date: May 6, 2006 page 1 of 2 Account number ending in 3221 Previous Bolance $4,930.08 Payment Due Date June 5, 2006 Payments And Credits - 200.00 Minimum Payment Due $95.00 Purchases + 0.00 Credit Umit $5,000.00 ' Cash Advances + 0.00 Credit Available $194.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance Charges + 75.00 Cash Credit Available $194.00 New Balance a $4,805.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details. .Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus® -Anniversary - - - .. - - - -Available to Rodw t $ - - - - - - - 0.00. Date: July 6 Cashbook Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular cafe nos throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at. Pleats have your Discover Card available. Sob Lake More Card, 3 Box 30943 Sale Lake City, UT 84130 Manage your account online at Discovercard.com TDD {telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800.347-2683) For assistance, we reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr 10 Apr 10 INTERNET PAYMENT- THANK YOU $ .100.00 May 5 May 5 INTERNET PAYMENT - THANK YOU -100.00 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04655%; corresponding ANNUAL PERCENTAGE RATE: 16.99%. Rate is subject to the terms of the offer including expiration. CARD L)MILOV'M r.....vv.x nvu.++v. vnu ny m ??n ? Real answers from real people. When you have 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 at 1-800-DISCOVER (1-B00-347-2683). 02007 Discover Bank, Member FDIC Closing Date: May 6, 2006 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FWANCE FINANCE Balances Rates RATES RATES AGES CHARGES current billing period: 30 days Purchases $228.42 0.05134% 18.74% V 18.74% $3.52 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4641.25 0.05134% 18.74% V 18.74% $71.48 $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 (1-800-347-26831. V6V\ra" V 161% CARD Payment Due Date $ ---, July 5, 2006 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 06 SDSN6AOt 0002372 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your schedule, in advance or on the same day as your due date. Mott Disooveroard.oom/payments to make an online payment today. PO BOX 15251 111-11...11..rr11r1111911 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space ?????uu?????u? above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221047827500000000009500 Discover Platinum Card Account Summary Closing Dade: June 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,805.08 Payment Due Date July 5, 2006 Payments And Credits 100.00 Minimum Payment Due $95.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $217.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 77.67 Cash Credit Available $217.00 New Balance $4,782.75 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 ' Cashback Bonus®-Anniversary- - . ......Available to Redeem ...... O,OU Date: July 6 Cashback Bomos(R) is America's # 1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, writs to us at. Discover More Card, PO Box 30943 Please have your Discover Card available. Sob Lake City, UT 84130 Manage your account online at Diseovemard eom MD (Telecommunications Device for the Deco: Customer Service: 1-8004XSCOVER (1.800-347-2683) For assistance, see ravens side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 30 May 30 INTERNET PAYMENT- THANK YOU $ .100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04655%; corresponding ANNUAL PERCENTAGE RATE: 16.99%. Rate is subject to the terms of the offer including expiration. 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 $232.05 0.05203% 18.99% V 18.99% $3.73 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4584.86 0.05203% 18.99% V 18.99% $73.94 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Get set for fall. Get 5% Cashback BonUS(R). Use your Card July to September at Gap, Kohl's, Marshalls(R), TJ.Maxx(R), Famous Footwear TM, Dell TM, Office Depot(R), OFficeMax(R), Staples, Linens 'n Things(R), Pier 1 Imports(R) and on tuition CARD Payment Due Date August 5, 2006 06 SDSN6A01 0002373 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Address, e-mail or telephone change$ Print change in space above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. Please make check gable to Discover Platinum Card or pay onlineDiscovercard.com. Make payments on your schedule, id advance or on the same day as your due date. Vlalt Disooveroard.oom/paymento to make an online payment today. PO BOX 15251 11111111111111111111 11111111 WILMINGTON DE 19886-5251 1,ulllnln,l„Irlul,rll,nrl,lnnrlnl,lnl,nn11111nln,ulll,611 000006011002798373221047588600000000009400 ,Account number ending in 3221 Discover Platinum Card Account Summary Cbsing Date: July 6, 2006 Payment Due Date August 5, 2006 Minimum Payment Due $94.00 Credit limit $5,000.00 Credit Available $241.00 Cash Credit Limit $2,500.00 Cash Credit Available $241.00 page 1 of 1 Previous Balance $4,782.75 Payments And Credits - 100.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 France Charges + 76.11 New Balance $4,758.86 You may be able to avoid Periodic Finance Charges , see the reverse side for details. tashblack Bonus® Opening Cashback Bonus Balance $ 076 New Cashback Bonus Earned + 000 Cashbadc Bonus Balance $ 0.16 Cashback Bonus® Anniversary - - - - - - - - - - - - -Available to Redeem - - - $ 0.00.- Date: July 6 Cashback Bonus(R) is America's #I Cash Rewards Program[ Full 5% Cashback Bonus on Get More purchases in popular cats ggories 'throughout the year and up to 1 % Cash back Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at. Please have your Discover Card available. Discover More Card, Box 30943 SaN take City, UT 8413 30 Manage your account online at Discowrcard.com _ for Customer Service: 1-800-DISCOVER (1-800.347-2683) Forasssisttance see reveerseside.° th° Deaf): Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jul 5 Jul 5 INTERNET PAYMENT - THANK YOU $ -10000 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic I" Daily Periodic PERCENTAGE RATESNTAGE FINANCE FWGES Balanc es Rates RATES current billing period: 30 days Purchases $4812.82 0.05271% 19.24% V 19.24% $76.11 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Sign up now and get 5% Cashback Bonus(R) with the Get More program when you use your Discover(R) Card to buy fall essentials. Visit Discovercard.com or call 1-800-DISCOVER (1-800-347-2683). mr . oV 1W' ail CARD i Payment Due Date $ -r? September 5, 2006 Please make check gyable to Discover Platinum Card or pay online rDiscovercard.com. 06 SDSNSA01 0002374 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your schedule, in advance or on the same day as your due date. Vislt DisooveroarcLoom/paymer?te to make an online payment today. PO BOX 15251 WILMINGTON DE 19886-5251 Address, e-mail or telephone changel Print change in space above, or go to Discovercard.com. Print your a mail address to receive important Account information and special offers. 000006011002798373221047371400000000009400 Discover Platinum Card Account Summary Closing Date: August 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,758.86 Payment Due Date September 5, 2006 Payments And Credits - 100.00 Minimum Payment Due $94.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $262.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 78.28 Cash Credit Available $262.00 New Balance $4,737.14 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashbadc Bonus Balance $ 0.16 Cashback BonusO Anniversary - - - - - - - - - - - - . -------- Availctb(e - - - - - - - 0100. Date: July 6 Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Coshback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, writs to us at Pleas have your Discover Card available. Discover More Card, PO Box 30943 SaR Lake City, UT 84130 Manage your account online at Discowrcard com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 5 Aug 5 INTERNET PAYMENT- THANK YOU $ -100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily 1cice Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $4790.23 0.05271% 19.24% V 19.24% $78.28 none 'Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. raftrlwl ?? • e.sIL CARD 06 SDSN6A010002375 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA B 17055-5168 Payment Due Date October 5, 2006 ?..r... ,-..rw..r rr ?rwwavaa uer?w $ Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. Make payments on your schedule, In advance or on the same day as your due date. Vlslt Dlsooveroard.oom/payments to make an online payment today. PO BOX 15251 ?Ilnrllru??rnr??nr?rr?l WILMINGTON DE 19886-5251 Address, email 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. 000006011002798373221047150600000000009300 Discover Platinum Card Account Summary Closing Date: September 6, 2006 page 1 of 2 Account number ending in ' 3221 Previous Balance 737 $4 14 Payment Due Date October 5, 2006 Payments And Credits , . 100 00 Minimum Payment Due $93.00 Purchases + . 0 00 Credit Limit $5,000.00 Cash Advances + . 0 00 Credit Available $284.00 Balance Transfers + . 0 00 ,Cash Credit Limit $2,500.00 Finance Charges + . 77 92 Cash Credit Available $284.00 New Balance a . $4,715.06 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bo nus® Opening Cashback Bonus Balance $ 0 16 New Cashback Bonus Earned + . 0.00 Cashback Bonus Balance $ 0 16 Cashback -Bonus® Anniversary - - . - - - - - - - - _ - - - - - -Available to Redeem - . - -- _ $ . - -100 . Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus :on Get More purchases in popular categories throughout the year and up to 1 % Cashck Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at.. Please have your Discover Card available. Discover More Card, PO Box 30943 Sak Lake City, UT 84130 Manage your account online at Discowrcard.com TDD (Telecommunications Device for the Deaf): `Customer Service: 1-800-DISCOVER (1-800-347.2683) For assistance, see reverse side. 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. 'Information For You Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans' Da Post ;Payments and Credits Sep 5 Sep 5 INTERNET PAYMENT - THANK YOU s -100.00 Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Shop confidently. Your Discover(R) Card has you covered with Complete Fraud Protection For your peace of mind. With our 'advanced fraud warnings, we'll call you right away if there's unusual activity on your account. And if someone makes fraudulent charges with your card, our $0 fraud liability guarantee means you're not responsible. Get 5% Cashback Bonus(R) from October to December at restaurants, movies theaters and rental stores; and on books, music and everything else at AMAZON.COM, Barnes & Noble, Borders(R), Circuit City, Crutchfield(R), Napster(R) and 6?1a?V???!/ !6R CARD VIJ Reall answers from real people. When you have 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 at 1-800-DISCOVER (1-800-347-2683). 02007 Discover Bank, Member FDIC Closing Date: September 6, 2006 page 2 of 2 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 $4768.33 0.05271% 19.24% V 19.24% $77.92 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $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 11-800-347-26831. W" rl?_? N 1.9% CARD 06 SDSN6A01 0002376 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your schedule, In advance or on the same day as your due date. Waft Disoovercard.oom/payments to make an online payment today. PO BOX 15251 WILMINGTON DE 19886-5251 Address, e-mail telephone change? your e-mail gaddress to above, or o to Disc Discovsrcard.cam.com. Print nt receive important Account information and special offers. 000006011002798373221049646100000000021800 Discover Platinum Card Account Summary Closing Date: October 6, 2006 page 1 of 2 :Account number ending in 3221 Previous Balance $4 715.06 Payment Due Date November 5, 2006 Payments And Credits , 000 Minimum Payment Due $218.00 Purchases + 133 58 Credit Limit $5,000.00 Cash Advances . + 0 00 Credit Available $35.00 Balance Transfers . + 0 00 Cash Credit Limit $2,500.00 Finance Charges . + 115 97 Cash Credit Available $35.00 New Balance . a $4,964.61 You may be able to avoid Periodic Finance Charges, see the reverse side for details. 'Cashback Bonus Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 ' Cashback Bonus& Anniversary .. - - -. - - - - - - - - - -Available to Redeem $ .-0.00. Date: July 6 Transactions Payments and Credits Odw/Miscellaneous How Can We Help You? For Account Inquiries, write to us at. Please have your Discover Card available. Discover More Card, Box 30943 Safi lake City, UT 84130 i Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Servfcs: 1-800-DISCOVER (1-800.347-2683) For assistance, see reverse side. $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Sep 8 Sep 5 RETURNED INTERNET PMT Sep 8 Sep 8 REPRESENTED INTERNET PAYMENT - THANK YOU Sep 8 Sep 5 ADJUSTMENT - LATE CHARGE Sep 8 Sep 5 ADJUSTMENT - FINANCE CHARGE Sep 8 Sep 8 FEE FOR RETURNED ACH PAYMENT Sep 8 Aug 7 ADJUSTMENT - FINANCE CHARGE Oct 6 Oct 6 LATE FEE $ 100.00 -100.00 39.00 0.10 35.00 20.48 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. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subject to the terms of the offer including expiration. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION *******Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. '0i 1.... unnr r%moun, cnciosea oeiow Payment Due Date $ November 5, 2006 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $87.00. LWN*.# WXX_>' • ttasa CARD VF Real answers from real people. When you have 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. Coll us at t-800-DISCOVER (1-800-347-2683). 02007 ascow Bonk, Membw FDIC Closing Date: October 6, 2006 page 2 of 2 Discovercard.com provides you with the easiest online selfservice options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely e-mail reminder to help you avoid fees. Easy account management is just a click awayl Register or log in to Discovercard.com/registermyoccount Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction F Daily Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FICA ES ee FINANCE CHARGES current billing period: 30 days Purchases $4867.65 Cash Advances $0 0.07942% 0 28.99% V 28.99% $115.97 none .07942% 28.99% V 28.99% $0 $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). vrvw? V 9.2% CARD 06 SDSN6AOt0002377 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 WILMINGTON DE 19886-5251 Address, e-mail or telephone changef Print change in space above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221049993900000000022900 Discover Platinum Card Account Summary Closing Daw November 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4 964 61 Payment Due Date December 5, 2006 Payments And Credits , . 12500 Minimum Payment Due $229.00 Purchases + 39 00 Credit limit $5,000.00 Cash Advances + . 0 00 Credit Available $0.00 Balance Transfers + . 0 00 Cash Credit limit $2,500.00 Frnance Charges + . 120 78 Cash Credit Available $0.00 New Balance - . $4,999.39 You may be able to avoid Periodic Finance Charges, see the reverse side for details. 'Cashback Bonus Opening Cashback Bonus Balance $ 0.16 New Coshback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonuse Anniversary _...Available to Redeem_ . _ $ Dote: July 6 How Can We Help You? For Account Inquiries, write to us at, Please have your Discover Card available. Discover More Card, Box 30943 Sak Lake Cify, UT 8413 30 Manage your account online at Discovercard.com TDD (Tslecommunkalions Device for the Deaff : Customer Service: 1-800-DISCOVER (1.800-347-2683) For assistance, see reverse side. Transactions Payments and Credits Payment Due Date $ December 5, 2006 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $93.00. $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Oct 9 Oct 9 INTERNET PAYMENT - THANK YOU 125.00 -01hsr/Miscellansous Nov 6 Nov 6 LATE FEE 39.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subject to the terms of the offer including expiration. *"***** ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION *******Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction F Daily Balance Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE ee PCHINARGES current billing period: 31 days Purchases $4905.97 ' 0.07942% 28.99% V 28.99% $120 78 n Cash Advances $0 0:07942% 28.99% V 28.99% . $0 one $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above vev1%01 a 0 s-sa CARD 06 SDSNM01 0002378 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your schedule, In advance or on the same day as your due date. Visit Disooveroard.oorn4myments to make an online payment today. PO BOX 15251 WILMINGTON DE 19886-5251 Address, e-mail or telephone change8 Print change in space 1111111111111 pill 1111111111 if 11111 11111 11111 111 11 111111111 1111 above, or go to Discovercord.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221048880300000000013300 Discover Platinum Card Account Summary Closing Date: December 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,999.39 Payment Due Date January 5, 2007 Payments And Credits 229.00 Minimum Payment Due $133.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $111.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 117.64 Cash Credit Available $111.00 New Balance $4,888.03 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0,16 New Cashback Bonus Earned + 0,00 Cashback Bonus Balance $ 0.16 'Cashback Bonus®•Anniversary- - - .. - - - - - - . . . - AvailablatoRadeem. $ ---0.00- Date: July 6 Cashbock Bonus(R) is America's #1 Cash Rewards ProgramI Full 5% Cashback Bonus on Get More purchases in popular categories throu hout the ear and u to 1 %C hb k g y p as ac Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at: Please have your Discover Card available. Discover More Card, PO Box 30943 Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800.347-26831 For assistance, see reverse side. . Transactions Payments and Credits Payment Due Date January 5, 2007 Please make check payable to Discover Platinum Card or pay online '@ Discovercard.com. $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Nov I 1 Nov 11 PHONE PAYMENT - THANK YOU Dec 4 Doc A INTERNET PAYMENT- THANK YOU $ -125.00 -104.00 Finance Charge Summary Nominal Average Daily ANNUAL Daily Periodic PERCENTAGE Balances Rates RATES current billing period: 30 days Purchases $4937.56 0.07942% 28.99% V Cash Advances $0 0.07942% 28.99% V ANNUAL Periodic Transaction Fee PERCENTAGE FINANCE RATES CHARGES 28.99% $117.64 none 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. v vv v nay • e. e Ilk CARD Payment Due Date February 5, 2007 O6 SDSN6AOI 0002379 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Address, e-mail or telephone changelt Print change in space above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. -6101 -11-In LM1VbeU DelaW Please make check payable to Discover Platinum Card or pay online 0 Discovercord.com. Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 Ill 11 111 WILMINGTON DE 19886-5251 Irrrll11111111lrl11l1till till IIIIIIIIIII11I11IIl1lirr1I1hill I 000006011002798373221049558900000000013800 :Account number ending in 3221 Discover Platinum Card Account Summary Closing Date: January 6, 2007 'Payment Due Date February 5, 2007 Minimum Payment Due $138.00 Credit Limit $5,000.00 Credit Available $44.00 ,Cash Credit limit $2,500.00 Cash Credit Available $44.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. page 1 of 2 Previous Balance $4,888.03 Payments And Credits 133.00 Purchases + 78.60 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 122.26 New Balance $4,955.89 'Cashback Bonus® Opening Cashbock Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.20 Cashbadc Bonus Balance Available to Redeem $ 0.36 Cashback $onus® Anniversary $ Q OQ _ Date: July 6 .. - . - - - Cashback Bonus(R) is America's #1. Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular cat rills 'throughout the year and up to 1% Cash ck Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at Please have your Discover Card available. Discover More Card, Box 30943 Sale Lake City, UT 8413 30 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800.347-2683) For assistance, see reverse side. Trans. Dab Post Date Payments and Credits Jan 6 Jan 6 INTERNET PAYMENT - THANK YOU $ 133 00 Travel/Entertainment Dec 28 Dec 28 . TICKETWEB 800-965-4827 CA 47.92 305228 B 1 TW51Q288 Department Store Dec 30 Dec 30 BOSCOVS DEPARTMENT STORE SCRANTON PA 30.68 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence 'Information For You :Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. 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 1 quickly and easily. Sign up at Discovercard.com/ps V ?VV ? V 1.6% CARD VI- Real answers from real people. When you have 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. Coll us at i-800-DISCOVER (1-B00-347-2683). C2007 Discover Bank, Member FDIC Closing Date: January 6, 2007 page 2 of 2 Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Make-A-Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashbock Bonus(R) to the Make•A-Wish Foundation. To loam how, please visit Discovercard.com or visit Wish.org Visit ShopDiscover at Discovercard.com/shop to *am additional Cashback Bonus(R) when you shop online. You will find great offers from retailers like Bames and Noble, FTD, Magazines.com.and morel Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balance Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $4965.87 0.07942% 28.99% V 28.99% $122.26 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $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 I1-800-347-26831. vsvv .? V s_s% CARD Payment Due Date March 5, 2007 Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum yment plus the overlimit amount of $157.36 06 SDSN6A01 0002380 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your soheduls, in advanoe or on the same day as your due date. Visit Disooveroard oom/payments to make an online payment today. Address, e-mail or telephone changoV Print change in space above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. PO BOX 15251 ???rrr??rrr??srrr??rrs?rr?? WILMINGTON DE 19886-5251 000006011002798373221051573600000000027700 Discover Platinum Card Account Summary Closing Date: February 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $4,955.89 Payment Due Date March 5, 2007 Payments And Credits 0.00 Minimum Payment Due $277.00 Purchases + 78 00 Credit Limit $5,000.00 Cash Advances . + 0 00 Credit Available $0.00 Balance Transfers . + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 123 47 Cash Credit Available $0.00 New Balance . $5,157.36 'Cashback Bonus* Opening Cashbock Bonus Balance $ 0.36 New Cashbock Bonus Earned + 0.00 Cashback Bonus Balance $ 0.36 Cashback Bonus® Anniversary Available to Redeem _ .. _ _ _ . .. $ _ _ O 00 . .Date: July6 .How Can We Help You? For Account inquiries, write to us at Please have your Discover Card avertable. Discover More Card, PO Box 309,43 Salt Lake City, UT 8,4130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaq.. Customer Service: 1-800-DISCOVER (1-800.347-2683) For assistance, see reverse side. Trans. Post Date Date .Other/Miscelansous Feb 6 Feb 6 OVERLIMIT FEE Feb 6 Feb 6 LATE FEE Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence 39.00 39.00 Information For You ;Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subject to the terms of the offer including expiration. ***ATTENTION*** Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balance s Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FI ES FINANCE -current billing period: 31 days Purchases $5015.39 ' 0.07942% 28.99% V 28.99% $123 47 none Cash Advances $0 0.07942% 28.99% V 28.99% . $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above CARD Payment Due Date April 5, 2007 Please make check p able to Discover Platinum Card or pay online s? Discovercard.com. 06 SDSN6A010002MI SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA B Make payments on your schedule, in advance or on the same day as your due 17055-5168 date. Vlek Dlecovercard.oom/paymerde to make an online payment today. Address, e-mail or telephone change€ Print change in space above, or go to Discovercard.com. Print yaw e-mail address to receive important Account information and special offers. PO BOX 15251 Hill 11u111un11ulife 11 WILMINGTON DE 19886-5251 If UI'111111111till 111II11111hili dlil11111111111111IIlIlII 000006011002798373221049677500000000012600 Discover Platinum Card Account Summary Closing Date: March 6, 2007 page 1 of I Account number ending in ' 3221 Previous Balance $5 157.36 Payment Due Data April 5, 2007 Payments And Credits , 300 00 Minimum Payment Due $126.00 Purchases . + 0 00 Credit Limit $5,000.00 Cash Advances . + 0 00 Credit Available $32.00 Balance Transfers . + 0 00 Cash Credit limit $2,500.00 Finance Charges . + 110 39 Cash Credit Available $32.00 New Balance . $4,967.75 'Cashback Bonus® Opening Cashback Bonus Balance $ 0.36 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0 36 Cashback Bonus®-Anniversary - - - - - - - -Available to -Redeem. .. ... _ _ ... . $ . _ _ _ _ . _ O.OQ Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throu hout the ear and u to 1 % C hb k g y p as ac Bonus on all your other purchases. How Can We Help You? For Account Inquiries, writs to us at. Please have your Discover Card available. Discover More Card, Box 30943 Sall Lake City, UT 8,4130 Manage your account online at Discovercard.com MD (telecommunications Device for the Deal): Customer Service: 1-800-DISCOVER (1-800.347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence i Trans. Post . Date Date Payments and Credits Feb 12 Feb 12 INTERNET PAYMENT- THANK YOU $ -30000 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic F Daily Periodic B l ee PERCENTAGE PERCENTAGE FINANCE FINANCE a ances Rates RATES_ RATES rHeercc rueef=C current Wiling period: 28 days Purchases $4964.43 0.07942% 28.99% V 28.99% $110.39 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Mange your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R) Card has the right account management options for you. Call 1-800-DISCOVER (1-800.347-2683) or visit Discovercard.com CARD Payment Due Date May 5, 2007 06 SDSN8A01 0002382 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 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. Please make check payable to Discover Platinum Card or pay online i2 Discovercard.com. Make payments on your schedule, in. advance or on the same day as your due date. Visit Dlsooveroard.oomlpayments to make an online payment today. PO BOX 15251 I16111itIIIl,ssrlIMiff II WILMINGTON DE 19886-5251 if uIIIIII a II I IIif Iif 111n11 InI IIIIIIIt u111If II IIt III III I I 000006011002798373221049654200000000013900 Discover Platinum Card Account Summary Closing Date: April 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $4 967 75 Payment Due Date May 5, 2007 Payments And Credits , . 126 00 Minimum Payment Due $139.00 Purchases . Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $34.00 Balance Transfers + 0.00 ,Cash Credit limit $2,500.00 Finance Char es + 0.00 C h C d g + 123 67 as re it Available $34.00 New Balance a $4,965.42 tashback Bonus® Opening Cashbock Bonus Balance $ 0.36 New Cashbock Bonus Earned + 0.00 Cashbadc Bonus Balance ilable to Redeem $ 0.36 Cashbock $onus® Anniversary - - . - - - - -- _ Ava • - - - .... - .. $ -.0.00. Date: July 6 Coshbock Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashbock Bonus on Get More purchases in popular categories 'throughout the year and up to I% Cashbock Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at. Please have your Discover Card avaiable. Discover Moro Card, Box 30943 Sal Laks City, UT 8413 30 Manage your account online at Discovercard,com TDD (Telecommunications Device for the Deaf): 'Customer Service: 1-8004XSCOVER (1-800.347-2683) For assistance, see reverse side. ransactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date ;Paymente and Credits Apr 6 Apr 6 INTERNET PAYMENT- THANK YOU $ -126.00 'Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. 'Finance Charge Summary Average Dail Daily P i d Nominal ANNUAL PERC ANNUAL Periodic Transaction Fee y Balance s er o ic hates ENTAGE RATES PERCENTAGE RATES FINANCE F ? ? C RG ES current billing period: 31 days Purchases $5023.32 Cash Advances $0 0.07942% 28.99% V 28.99% $123.67 none 0.07942% 28.99% V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. CARD Payment Due Date June 5, 2007 06 SDSNSM1 0002363 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 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. Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $196.35. Make payments on your schedule, in advance or on the same day as your due date. Visit Dlsooveroard.oomoayments to make an online payment twdday. PO BOX 15251 gill 11 WILMINGTON DE 19886-5251 Is ,11111hill ,1,1,nlullurloll ?n1JnLlnn?rlisle lun,lllrl,11 000006011002798373221051963500000000027500 Discover More Card Account Summary Closing Date: May 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $4 965.42 Payment Due Dale June 5, 2007 Payments And Credits , 0 00 Minimum Payment Due $275.00 Purchases . + 110 55 Credit limit $5,000.00 Cash Advances . + 0 00 Credit Available $0.00 Balance Transfers . + 0 00 Cash Credit Limit $2,500.00 Finance Charges . + 120 38 Cash Credit Available $0.00 New Balance . a $5,196.35 Cashback Bonus Opening Cashbock Bonus Balance $ 0.36 New Cashback Bonus Earned + 0.08 Cashback Bonus Balance $ 0,44 Cashback-Bonus® -Anniversary - • - - - - - - - - -- -Available tQ WWI. S 0.00. Date: July 6 How Can We Help You? For Account Inquiries, writs to us al. Please have your Discover Card avaiobls. Discover More Card, PO Box 30943 Salt Lake City, UT 8,4130 Manage your account online at Discovemard.com TDD (Telecommunications Dsvice for do Deal): Customw Service: 1-800-DISCOVER (1-800347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Merchandise/Beta l Apr 10 Apr 10 TM *DISNEY ON ICE : 10 215-336-2000 NY $ 32.55 PH15CC9712.57810 Odnsr/Miscellaneous May 6 May 6 OVERUMIT FEE 39 00 May 6 May 6 LATE FEE 3900 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic F Daily Periodic Balance Rates ee PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES 17.14AR17=9 rueof]cc current billing period: 30 days ;' Purchases $5052.61 0.07942% 28.99% V 28.99% $120.38 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. CARD Payment Due Date $ r-- July 5, 2007 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $199.32. 08 SDSN6A01 0002384 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your schedule, In advance or on the same day as your due date. Visit Dleooveroard.oomlpayments to make an online payment today. Address, e-mail or telephone changef Print change in space above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. PO BOX 15251 111rrr1111111ur,11nr1r,11 WILMINGTON DE 19886-5251 000006011002798373221051993200000000021500 Discover More Card Account Summary Closing Date: June 6, 2007 page 1 of 1 Account number ending in 3221 Payment Due Date July 5 2007 h' Previous Balance P $5,196.35 , Minimum Payment Due $215.00 ayments And Credits Purchases 200.00 Credit limit $5,000.00 Cash Advances + 78.00 Credit Available $0.00 Balance Transfira + 0.00 ;Cash Credit Limit $2,500.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance + 12A.97 $5,199.32 Cashback Bonus® Opening Cashbock Bonus Balance $ New Cashbock Bonus Earned + 0.44 0.00 Coshbock-BonuseAnniversary Cashback Bonus Balance Amilable to Redeem $ $ 044 Date: July 6 ... D 00 :How Can We Help You? For Account Inquiries, writ. fo us at Please have your Discover Card avagabk Discover More Card, PO Box 30943 . ;Manage year account online at Dfscown ard.com Soh Lake City, UT 84130 Customer Service: 1-8004XSCOVER (1-800-347-2683) for the De°?: For D R assistance, see reverse side. ever T ransactions $0 Fraud Liability Guarantee U D se your iscover Card with confidence. Trans. Post Date Date Payments and Credits May 10 May 10 INTERNET PAYMENT -THANK YOU Ofher/Miscellaneous Jun 6 239'00 Jun 6 OVERUMIT FEE 39.00 Jun 6 Jun 6 LATE FEE 39.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subjed to the terms of the offer including expiration. * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Average Daily Daily Periodic Nominal ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic Transaction Fee J3alanees Rates RATES F?GES FINANCE -current billing period: 31 days :Purchases $5076.13 Cash Advances $0 0.07942% 28.99% V 28.99% $124.97 none 0.07942% 28.99`Ye V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. CARD Payment Due Date -? $ August 5, 2007 please make cheek payable to Discover Card. You are overlimit P th f th hl . ay e sum o e mont y minimum payment plus the ovedimit amount of $402.63. 06 SDSN8A01 0002385 SPEAKMAN, ROBERT B Make payments on your schedule, in 341 E MEADOW DR advance or on the same day as your due MECHANICSBURG PA 17055-5168 date. Visit Olsaoveroard.oomlpeyments to make an online payment today. PO BOX 15251 {?{u?{{ur{{nu{{ur{n{? WILMINGTON DE 19886-5251 Address, or go toDisccovpen rdco .Print Print youru*-mail naddresssto {u?{{{i{u{n{i{n{n{{m{i{u?{i{?{.{uu{{?{i{un{{{?{u{ receive important Account information and special offers. 000006011002798373221054026300000000035600 Discover More Card Account Summary Closing Date: July 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $5,199.32 Payment Due Date August 5, 2007 Payments And Credits 0.00 Minimum Payment Due $356.00 Purchases + 78.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 125.31 Cash Credit Available $0.00 New Balance a $5,402.63 You may be able to avoid Periodic Finance Charges, see the reverse side for details. ' Cashback Bonus® Opening Cashback Bonus Balance $ 0.44 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.44 Cashbock Bonas®-Anniversary - - - - - - .. ..-Available to Redeem _ .. ...... ... $ ..... _ . 0,00- Date: July 6 How Can We Help You? For Account Inquiries, write to us at. Please have your Discover Card available. Discover More Card, PO Box 30943 Soh Lake City, UT 84130 Manage your account online at Discovercard.com MD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1.800.347.2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date C+Iher/Miscelloneous Jul 6 Jul 6 OVERLIMIT FEE Jul 6 Jul 6 LATE FEE 39.00 39.00 Information For You * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. Soon we'll no longer be printing your full account number on your statement. It's just another way to keep your information safe. But of course, if for any reason you need your full account number, it'll still be right there on your card. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balance Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 30 days Purchases $5259.63 0.07942% 28.99% V 28.99% $125.31 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above CARD Payment Due Date September 5, 2007 Please make checkpayable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $615.23. 06 SDSN6A01 0002986 SPEAKMAN, ROBERT B Make payments an youraahadule, in 341 E MEADOW DR advance or on the same day as your due data. Visit Dlsooveroard.oom/payments MECHANICSBURG PA 17055-5168 to make an online payment today. PO BOX 15251 111111111111111111101111111 WILMINGTON DE 19886-5251 Address, e-mail or aabove, or go to Discovercord.com. P ? rir* Print youh mailn s resa to receive important Account information and special offers. 000006011002748373221056152300000000050600 Discover More Card Account Summary Closing Date: August 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $5,402.63 Payment Due Date September 5, 2007 Payments And Credits 0.00 Minimum Payment Due $506.00 Purchases + 78.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 ,Cash Credit limit $2,500.00 Finance Charges + 134.60 Cash Credit Available $0.00 New Balance $5,615.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. tashback Bonus® Opening Cashback Bonus Balance $ 0.44 New Cashback Bonus Earned + 0.00 Cashba& Bonus Balance l d $ 0.44 $ 0 Cashback -BonusO Anniversary --- . - - - - - - e to Re eem Availabb 0.0. Date: July 6 You? n We Hel H C For Account Inquiries, writs to us ah p a ow Discover More Card, PO Box 30943 Please have your Discover Card avagable. Sak Lake City, UT B4130 Manage your account onln o at Draovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-8004DISCOVER (1-800-347-2683) For assistance, see reverse side. `Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. D a Ocher/Miscellaneous Aug 6 Aug 6 OVERUMIT FEE $ 39.00 Aug 6 Aug 6 LATE FEE 39.00 Information For You * * * ATTENTION * * * Your account is seriously post 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 akmces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5467.48 0.07942% 28.99% V 28.99% $134.60 none ' Cash Advances $0 0.07942% 28.99% V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. CARD Payment Due Date October 5, 2007 please make check payable to ?rl...over Cord. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $833.14. 06 SDSN6A010002387 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/peymente to make an online payment today. Address, e-mail or telephone changeR Print change in space above, or go to Discowrcard.com. Print your e-mail address to receive important Account information and special offers. PO BOX 15251 11112 111111111111111 Rollo If WILMINGTON DE 19886-5251 .IIIif.1.d..IIII111IfitIIIIIIIIIIIIIIIIII11111111111 ?I?III 000006011002798373221058331400000000066100 Discover More Card Account Summary Closing Date: September 6, 2007 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available page 1 of 1 3221 Previous Balance $5 615 23 October 5, 2007 Payments And Credits , . $661.00 Purchases 000 $5,000.00 Cash Advances + 78.00 $0.00 Balance Transfers + 0.00 $2,500.00 Finance Charges + 0.00 $0.00 New Balance + 139.91 $5,833.14 You may be able to avoid Periodic Finance Ch arges see the roVerse side for details. , Cashback Bonus® Opening Coshbock Bonus Balance $ 0 00 New Cashback Bonus Earned + . 0.00 Cashback Bonus Balance $ 0 00 Cashback Bonus® Anniversary .... - - • - - - - . ' Ayalab(e to 1t4d94nt . $ . Date: July 6 How Can We Help You? For Account Inquiries, write to us at. Please have your Discover Card mug". "s. Discover More Card, PO Box 30943 Sall Lake City UT 64130 Manage your account online at Discovemard corn Customer Service: 1-800-DISCOVER (1-804347.2683) , TI) ? s for ? Deaf): F nc or assistance, stan ce, we reverse side. 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post . Dab Date Other/Miscellaneous Sep 6 Sep 6 OVERLIMIT FEE $ 00 39 Sep 6 Sep 6 LATE FEE ' 39.00 Information For You * * * 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 Daily Periodic Nominal ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic Transaction Fee Q I e Rates RATES RATES FINCS FICAS current billing period: 31 days Purchases $5682.63 Cash Advances $0 0.07942% 28.99% V 28.99% $139.91 none 0.07942% 28.99% V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or th ey may vary M 03 noted above. Payment Due Date November 5, 2007 06 SDSN6A01 0002388 SPEAKMAN, ROBERT B Make payments on your schedule, in 341 E MEADOW DR advance or on the same day as your due MECHANICSBURG PA 17055-5168 date. Visit DfeooveroarcLoom/psyments to make an online payment today. PO BOX 15251 ???rrr??rer11ul111r Address e-mail or telephone chonq*V Print change in space WILMINGTON DE 19886-5251 above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221058331400000000077800 Discover More Card Account Summary dosing Date; October 6 2007 -Account number ending in 3221 , Previous Bal page 1 of 1 Payment Due Date November 5, 2007 Minimum Payment Due $778 00 ance Payments And Credits $5,833.14 . Credit Limit $5,000.00 Credit Available $0 00 Purchases Cash Advances + + 0.00 0.00 . ;Cash Credit limit $2,500.00 Balance Transfers Finance + 0.00 0.00 Cash Credit Available $0.00 s New Balance + 000 $5,833.14 Cashback Bonus® O pening Cashbock Bonus Balance New Cashbock Bonus Eamed $ 0'00 ± -- 0.00 :Cashbock Bonuse Anniversary Cashback Bonus Balance Available to Redeem $ 0.00 Date: July 6 $ 0 act How Can We Help You? , , For Accanit Inquiries wr;te t Please have your Discover Card avallable. o us , ah Discover More Card, PO Box 30943 Manage your account online at Discovencard,com Soh Lake City, UT 84130 Customer Service; 1-800-DISCOVER (1-800-347-2683 TDD (Telecommunications Device for the Deaf): For assistance see , reverse side. Finance Charge Summary Averse Dail g Y Bala Daily Periodic Nominal ANNUAL PER CENTAGE ANNUAL PERCENTAGE Periodic Transaction Fee nces current billing period: 30 d Rates _ RATES PE INANCE F? FINANCE ays Purchases $0 'Cash Advances $0 0.07942% 28.99% F 28.99% $0 The rates that apply to our Acc t 0.07942% 28.99% F 28.99% $0 none $0 y oun are either fixed (F) or they may vary (V) as noted above. CARD Payment Due Date $ ?- December 5, 2007 06 SDSNSAOI0002389 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA B Make payments on your schedule, In advance or an the same day as your due 17055-5168 date. Malt Dlsooveroard.oom*yments to make an online payment today. Address, e-mail or telephone change8 Print change in space above, or go to Discovereard.com. Print your e-mail add ess to receive important Account information and special offers, PO BOX 15251 111u111nr11rrar11r,r1rr11 WILMINGTON DE 19886-5251 1111111111,111 1111,1 1, 11 111 11 if I Iif IIIIIi rn111111r,1,111111,1 000006011002798373221058331400000000089500 Discover More Card Account Summary Closing Date: November 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $5 833 14 Payment Due Dote December 5, 2007 Payments And Credits , . Minimum Payment Due $895.00 Purchases 000 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance + 000 $5,833.14 Cashback Bonus Opening Cashback Bonus Balance $ 0 00 . New Cashback Bonus Earned + 0.00 Cashback Bonuse Anniversary- - - - - . - Cashback Bonus Balance $ 0,00 -Available to Radeem _ .. _ _ . _ .. $ - . _ - - 0,00 Date: July 6 - . How Can We Help You? For Account Inquiries, write to us at: Plsoss have your Discover Cord avaiabk. Discover More Card, PO Box 30943 Salt Lake City UT 84130 Manage your account online at Discovemard corn Customer Service: 1-800-DISCOVER (1-800 347 2683 , the Deaf): ?? ode r s? e - . ) . For , see reverse anc Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINCA C FINANCE CES Balances Rates RATES RATES current billing period: 31 days Purchases $0 Cash Advances $0 previous billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% 0.07942% 28.99% F 28.99% 0.07942% 28.99% F 28.99% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. $0 none $0 $0 $0 none CARD Payment Due Date January 5, 2008 06 9DSNM01 0002390 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA B 17055-5168 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. Make payments on your schedule, In advance or on the same day as your due date. Malt Dieooveroard.oom/payments to make an online payment today. PO BOX 15251 1111111 11 1111111111 WILMINGTON DE 19886-5251 1111111,In1till n61111111, 111111111111 if 111111111111111111 1 000006011002798373221058331400000000101200 Discover More Card Account Summary Closing Date: December 6, 2007 pose 1 of 1 Account number ending in ' 3221 Previous Balance $5 833 14 Payment Due Date January 5, 2008 Payments And Credits , . Minimum Payment Due $1,012.00 Purchases 000 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance + 000 C $5,833.14 Cashback Bonus® Opening Cashback Bonus Balance $ 0 00 . New Cashback Bonus Earned + 0.00 Cashback Bonus® Anniversary Cashback Bonus Balance $ 0,00 -/Available to Redeem 0 00 Date: July 6 . . How Can We Help You? For Account Inquiries, write to us at. i Please have your Discover Card available. Discover More Card, PO Box 30943 Lake City Salt UT 84130 Manage your account online of Discown ard.casn Customer Service: 1-800-DISCOVER (1-800-347.2683) , #6 D°a9: FoTDD r (Telecommunications see re erse?side. Finance Charge Summary Average Dall Daily P i di Nominal ANNUAL PER ANNUAL Periodic Tronsaction Fee y Balances er o c Rates CENTAGE RATES RATESNTAGE QW9 FINANCE current billing period: 30 days b Purchases $0 Cash Advances $0 0.07942% 0.07942% 28.99% F 28 99% F 28.99% 28 99% $0 none previous billing period: 31 days . . $0 $0 Purchases $0 0.07942% 28.99% F 28.99% $0 The rates that apply to your Account are either fixed (F) or th ey may vary (V) as noted above. none CARD 31 SDSN6A01 0002391 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA B Make payments on your schedule, in advance or on the same day as your due 17 055-5168 date. Visit Disooveroard.oom/payments to make an online payment today. 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 inhumation and special offers. PO BOX 15251 1111111111111 1111 WILMINGTON DE 19886-5251 Iur111rit I II,IIII I II,IIIIIIIII I IIf 11111urr11r111nu111rif I 000006011002798373221000000000000000112900 Discover More Card Account Summary Closing Date: December 31, 2007 page 1 of 1 Account number ending in 3221 Previous Balance 833 $5 14 Payment Due Date January 30, 2008 Payments And Credits , . 5 833 14 Minimum Payment Due $1,129.00 Purchases , . Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 0.00 C h C d A l + 000 as re vai it able $0.00 New Balance C $0.00 Cashback Bonus® Opening Cashback Bonus Balance $ 0 00 . New Cashback Bonus Earned + 0.00 Cashbadc Bonus Balance $ 0 00 Cashback Bonuses-Anniversary - . Availabl4 to R4deem . $ . - ... _ 0.00 Date: July 6 . _ How Can We Help You? For Account Inquiries, write to us at Moose have your Discover Card available. Discover More Card, PO Box 30943 Sale Lake City, UT 84130 Manage your account online at Discovercard com Customer Service. 1-800-DISCOVER (1-800.347-2683) TDD (Telecommunications Device for the Deaf): For assistance, see reverse side. Payments and credits i ransactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payment Due Date ?- -? January 30, 2008 Dec 31 Dec 31 INTERNAL CHARGE-OFF $ -5,833.14 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: 25 days Purchases $0 0.07942% Cash Advances $0 0 28.99% F 28.99% $0 none .07942% previous billing period: 30 days 28.99% F 28.99% $0 $0 Purchases $0 0.07942% 28.99% F 28.99% $0 The rtes that apply to your Account are either fixed (F) or they none may vary (V) as noted above. CERTIFICATE OF SERVICE A true and correct copy of Plaintiffs First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the -0 day of J*-L-1 2008, upon the following: Robert B Speakman 341 E Meadow Dr Mechanicsburg,Pa 17055 PA WEtI'MAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 06307992 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 Motion, and that the facts set forth in the foregoing Motion are true and correct to the best of his knowledge, information and belief. W WR No. 6307992 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment has been served by U.S. Mail, Postage Pre-Paid, on 2`. day of ? 2008 upon the following: Robert B Speakman 341 E Meadow Dr Mechanicsburg,Pa 17055 By: Weltman`, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR No. 6307992 w ti„? -J1 ' gy _ rr" 4 *l Y O% L7 ?? r' 1 L' ?j % t PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court- CAPTION OF CASE (entire caption must be stated in full) (plaintiff) V5. ?.k *? ?' (Defendant) No. (a:? Civil plaintiff - s motion for new trial., defendant t-s 1. State matter to be argued (i.e., demurrer to complaint, etc.): 2. Identify counsel wbo will argue case: (a) for Plaintiff: Address : V11egQ'V letrlberg Reis 6o. 1400 Koppers Bldg. 436 7th Ave. Pfttsburgh, PA 15219 (412) 434-7955 bbv+ ?*?au-MA ' (b) for defendant : Sq ( t 1 ' l!l a k,.,1 Address: 0 no 3. I will notify all Parties in writing within two days that this case has been listed for argunent- 4. Argument Court Date: CC) ? m r C' c y i C 3 P6 DISCOVER BANK, Plaintiff V. ROBERT B. SPEAKMAN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 2007 - 7465 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT HESS, GUIDO, JJ. ORDER OF COURT AND NOW, this 20TH day of NOVEMBER, 2008, after reviewing the briefs filed by the parties and having heard argument thereon, it appears that there are genuine issues of fact with regard to the balance due and attorney fees. Therefore, the Plaintiff s Motion for Summary Judgment is DENIED. B Yhdto'u , i? Edward E. Guido, J. ? Benjamin R. Bibler, Esquire ?Robert Speakman 341 E. Meadow Drive Mechanicsburg, Pa. 17055 Court Administrator - p LacfxL ?,J - i L sld I.L t le- 'eylu li?CL ?r? U 0 !:!! R 1? A N $GOZ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. ROBERT B SPEAKMAN, Defendant, No. 07-7465 PLAINTIFF'S NOTICE PURSUANT TO PA.R.C.P.1305(b) FILED ON BEHALF OF Plaintiff COUNSEL OF RF,CORD OF THIS PARTY: Benjamin R. Bibler, Esquire PA I.D.#93598 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR# 6307992 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, No. 07-7465 vs. ROBERT B SPEAKMAN, Defendant, PLAINTIFF'S NOTICE PURSUANT TO PA.R.C.P. 1305(b) AND NOW, comes the Plaintiff, by and through its counsel, Weltman, Weinberg & Reis. Co., L.P.A., and hereby gives notice pursuant to Pa.R.C.P. 1305(b) of its intention to offer into evidence at the arbitration hearing the following documents, the copies of which are attached hereto: 1.) Monthly Statements, dated from October 5, 2005 through January 5, 2008 2.) Cardmember Agreements Respectfully Submitted: Benjamin R. Bibler, Esquire PA I.D. 4 93598 WELTMAN, WEINBERG & RI:IS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 6307992 VI?D\.rv.?'' V L.1% Y ?,.vv.vv CARD 06 SDSN6A01 0002363 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Y+=uv vT..___.?._._? u?ro. nnivw?? vi??waou uow rr Payment Due Date October 5, 2005 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. Make payments on your schedule, in advance or an the same day as your due date. Visit Oisooveroard.oom/payments to make an online payment today. PO BOX 15251 111".11... WILMINGTON DE 14886-5251 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. OOOOO6011002798373221049830000000000010000 Discover Platinum Card Account Summary Closing Date: September 6, 2005 page 1 of 2 Account number ending in 3221 Previous Balance $0.00 Payment Due Date October 5, 2005 Payments And Credits 25.00 Minimum Payment Due $100.00 Purchases + 63.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $17.00 Balance Transfers + 4,945.00 Cash Credit Limit $2,500.00 Finance Charges + 0.00 Cash Credit Available $17.00 New Balance $4,983.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus Earned + 0.16 Cashback Bonus Balance $ 0.16 Cashback BonusO-Anniversary ' Available to Redeem 0.,00_ Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Gel More purchases in popular categories h h d h k up l0 13o Cas throug out t e year an bac Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at., Discover More Card, PO Box 30943 Please have your Discover Card available. Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 12 Aug 12 INTERNET PAYMENT - THANK YOU $ .25.00 Restaurants Aug 6 Aug 7 `Wol6nce Transfers " Aug 8-- Aug 8 Aug 8 Aug 8 DAMON'S GRILL MECHANICSBURGPA AMERICAN EXPRESS XXXXXXXXXXX30081N FL APR 0.00% EXPIRES 06/2006 AMERICAN EXPRESS XXXXXXXXXXX1004 IN FL APR 0.00% EXPIRES 06/2006 63.00 3;545.00 1,400.00 Information For You Auto Bill Pay is Discover(R) Card's free service For paying your bills. Phone. Cable. Subscription services. And more. It's a great way to save time while building your Cashback 8onu3(R). Visit Discovercard.com/Autobillpay to sign up today. important 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. rn 0 Lost or stolen cards. Report immediately! Call 1400-947-2683. U) Bills Rights summery. In Case of Errors or Questions About Your Bill: if you think your bill s wrap or it you Wd more information about a o transaction on your GI, write us on a separate sheet of paper at Discover RtorasM P.O. Box 164. vYHr ton UE 1t. 50.6192, as soon as possible. We must hear from you no later than Ell days. after we sent you the first, bill on which the error or prob m appeared You can telephone us, but doing so will not preserve your rights. In your etter, give us the following information: .Your name and Account number. .The dollar amount of the suspected error. .Describe the error and explain, it you can, why you believe there is an error. If you need more information, describe the item you are unsure V about. You do not have to pay any amount in question while we are investipatillg, but you are still led to pay, the parts of your bill that are not in question. While we investigate your question, we cannot report you as tlekngtunt a take any =led cofiect the ale4arnt you question. SSof goods of services that you purchased with a credit card, and Special Rule for Credit Card Purchases: If you have a problem with the quality you.have tried in good faith to correct the problem with the merchant, Than sot have to y the remainudg amount due on the goods or seances You havS this protection only when the purchase price was. rrkxa 1ha U nd the purchase was made I your ho state of wHtrin 100 miles of your mailing address. (If we own or ?xrate the merchant, or d we mailed you the advertisement for the goods m sari es, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your. payment and the to portion of this statement in the envelope provided. Do not send cash. By, seildin your check as described above, you authorize us to use informabM on your check to make an electronic fund transfer from your account the On racial institution indicated on your check or to process the pa t as a check transaction. 9 payment u processed as an efectrortic fund transfer. the transfer will be for the amount of the check. When we u information from your check to "mike an electronic fund transfer funds they fro Withdrawn from your account as soon as the same day we receive your at, and you will not receive your check back from r An "t institution. The processing of your payment may be c Ira you send cash, correspondence or other Item wtilr 811v at, if yon send the ayrrent to any other address or if you use an envelope otter thin the one provided. Payments feceNed on or of 1 Pf+l i4ondp through Frx y or on a weekend. or bank holiday will be posted to ur Account as of the next business day. If YOU have misplaced your envelfop r, send your payment to Discover Bank, PO Box 15251 Wilmington, DE 19888.5251. Please allow 7-10 days for delivery. It your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your 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 that sufficient funds are available in I f bank account, and all transactions must comma with U.S, law. You will be asked to provide the first 5 digits of your account statement zip code. y enter time numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment e?r e, I p art?inh requested by you, from ycarr bank accounf In order to cancel a payment we must receive notice at least three da s in f4tuee of the scheduled payment You may ndmY 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 yyopur account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report We If= the status and papy ,wnt hisstlpo?rYvgot Ydnrr Acclermt to credit rebortbtg atlpbcits each fee month. If you bellve that our report is inaccurate inc te, please write us at the followilSOI atddress Discover More a Card. PQ Bill 15316, Wilmington DE 191 0.5316. Please include your name, addre home telephone' number and Acc number. Pedodk Finance Chaises. Except as provided below. we will impose Periodic Finance Charggeess on purchases, cash advances and balance transfers begginning with the date the transaction occurs until the dale or repayment and an OW frIces until the date of repayment Old acamces are cofnprised of either purchases and cash advances made on or prior to the last day of your bil" period endear during February 1 or ve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if yyoou pay the New Balance shown on the billing statenrrnt on which the Purchase first appears by the Payment Due Date, and the Payments and Crefii on that sNerrient a" or exceed your owes 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 beginning with the date the transaction acquit. Periodic Finance Charges are Imposed on New Balance However if you pay the New on this. statement equal or exceed the Pre appeann on this statement If your ACCp6 the New%alance shown on this Statement Balance. Otherwise, you will receive a bilfin we compute Periodic Finance Charges, ear categories) by using the followingg equatron: charge summary on the front of your slater get a total Periodic Finance Charges for balance in a transaction cateillory. We use the two-cycle Were dairy Finance Charges. This means if rytw did no the Payment Due Date, we will mapcsSC Pe purchases that first appear on this billing s statement. We compute the average Bail transaction category and dividing thf WWI on each dayY byTirsi adding the TWWwinp lc Charges. accrutd on the 6viol, days dell transaction Category on that day In calcul have been 0 an the first day of the bil0ng F Old Balances are excluded from the baler Transfer Transaction Fee Finance Charges initial special rate that has been termmati Category until the initial special rate otherv the first day of the billin0 period, we subtn that become purchase race balance transfer All fees charged to Your Account are ac Charges which are added to the cash adva balance transfer transaction categorfyy If, a date to be the first day of the current billrnl air transactions and Old Balances until the date of ropemenl Repayment means pa ment of your enure Balance shown on this bill?'np slats t . Payrrrext Due Date, and the Pa ants ano G s shown Aous Balance we will not Imo Finance Charges on new RRuu=c?hases, that is, p ses fist nt was closed as of September 271999, you can a payment of Periodic Fioenoe Cho d sou pay iy the payment Due Date and the Payments and Credit on this statement equal or your levious t statertleei next month that include9tocic Finance t h oth$ unlit the dWi rapiiyment. h do tor_Purchases, cash advances, balance train sfM% and, Otd pees (which we r??er to as transaction Aviry a DDanNy Balance x number of da in the br1m paired x Peduxirc Rate %11 46 to the finance rent fir titesa•aalounls.) Then we atiran the Periudr?r F nance Ch roes for each transaction cafeury to your Account The Average Daily Balance is shown as 0 it no Periodic Finance Charges appiy to the balance (includ n new transactions) method of calculating the balance upon which we lling sepePeriodic fod?ic the Char ?pes oo riewce lr hses billing theta f a pyaur? yt statement. a u os ne?w atement unless were If Rerlodk Firtance'tliat son fhb p?ma on yaw p evms brlfinD ! balance inn each Uansdl g ca by add?tg up all-the dairy balances in a nod for 8 rib the number y kt the billing le. We co 'i s the daily balance for each Iran cata?rY the prevqus de s cWrty CeranCe: Uan fleas made lh char that day and tnelsco f baplldpce; and gpy than ITO arty cre?ddits and tare the of trio mm the daft' bilame a p vloU3 29 pm r the s m ranee" to eriod. cc of the purchase and cash advance transaction categories. Special rate balance transfers and Balance see included to the daily balance transfer transaction c Batrrnce transfers that were sutioct to an d due W a late payment or Yte you exrxedetlcount credit Ifmd are also Included rn the Ise would have ex ed. In np the daffy balance of the balance transfer transaction categgoarryy, on ct the unpaid balance of th lance Transfer Transaction Fee Finance Charges and balance transfers on that day and we add that npaW balance to the balance of the purchase transaction category.. we calculate your HE For TOO (Telecommunications Device for the Beef) assistance, please tag 1-800-347-7449. The Discover® More 51A Card is issued by Discover Bank. Member FDIC. ero?r?e r;. V 1.1% 1 VIJ4WVrK CARD __.._.____.___.---_... 1 Real answers from real people. When you have a question or concern about your Discover` Card account, we're here. 24 hours a day, 7 days a week. Arid you won't get caught in an endless outornated 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 at 1-800-DISCOVER (1-800-347-2683). *2007 Discover Bunk, Member FDIC Closing Date: September 6, 2005 page 2 of 2 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 0.00000% 0.00% F 0,00% $0 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4764.51 0.00000% 0.00% F 0.00% $0 $0 previous billing period: 9 days Purchases $0 0.00000% 0.00% F OM % $0 none The rates that apply to your Account are either fixed (F) or they may vary (VI as noted above. Questions? Manage your account at Discovercard.com nr rnll 1_Ann_nmrnvFD (1_A(1n Z d7)f.0']t fLi 9J %r`tl ti.l\ CARD `.-.----------? Payment Due Date November 5, 2005 Please make check payable to Discover Platinum Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $109.43. 06 SDSN6A01 0002364 SPEAKMAN, ROBERT B Make payments on your schedule, in 341 E MEADOW DR advance or on the same day as your due date. Vied Discoveroard.oomlpayments MECHANICSBURG PA 17055-5168 to make an online payment today. PO BOX 15251 1I1rsstlrsslIllIdisn?nl? WILMINGTON DE 19886-5251 Address, a-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. 000006011002798373221051094300000000020300 Discover Platinum Card Account Summary Closing Dale: October 6, 2005 page 1 of 1 Account number ending in 3221 Previous Balance $4,983.00 Payment Due Date November 5, 2005 Payments And Credits 0.00 Minimum Payment Due $203.00 Purchases + 74.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 52.43 Cash Credit Available $0.00 New Balance = $5,109.43 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance New Cashback Bonus Earned $ 0.16 + 0.00 = Cashback Bonus®-Anniversary - - - - - _ _ _ Cashback Bonus Balance .Available to Redeem $ 0.16 Date: July 6 How Can We Help You? have our Discover Card available. y For Account Inquiries, write to us at: Card, Box 30943 Discover More Sall Lake City, UT 84130 Manage your account online at Discovercard.com Customer Service: 1-800-DISCOVER (1-800-347-2683) TDD (Telecommunications Device for the Deaf): For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Oct 5 Oct 5 LATE FEE $ 39.00 Oct 6 Oct 6 OVERLIMIT FEE 35.00 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due amount. i 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 $63.32 0.03490% 12.74% V 12.74% $0.66 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4944.97 0.03490% 12.74% V 12.74% $51.77 $0 previous billing period: 31 days Purchases $63.00 0.00000% 0.00% F 0.00% $0 none 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, see the back of each page for additional Important k?fotrtlatl See your Carmnember Agreement. Your Cardmember Agreement contains all the terms of your Account o Lost or stolen cards. Report immedialelyl Call 1400-347-2889. Z BNHn Rights Summa. In Case of Errors or Questions About Your Bill: If Lhink your bi'(I is wrong or if ou near more information about a transaction on your bit?.. write us on a separate sheet of paper at Discover ea P.O. Box 15192; WHminQtan, IR 198 0-5102. as soon as possible. We must hear from you no later than 6f1 days, attar we rent yoq the first on which the error a probilm appeared. You can telephone us, but doing so will not preserve your rights. In your tter, give us the following information: *your name and Account number. aThe dollar amount of the suspected error. eDescribe 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 x not have to pay anY amount in question while we are investigating, but you are still ilbtigaled to pay the parts of your bill that are not in Youodo v question. While we investigate your question, we cannot report you as delinquent or take an ae to cotlecl the amount you question. Special Rule for Credit Card Purchases: if you have a problem with the quality of goals or services that you purchased with a credit card, and you, have tried in good faith to correct the problem with the merchant YYourt?aYy not have to pay the remaining amount due on the s or services. You have this protection only when the purchase price was, more 1 an i50 and the purchase was made fQ your hento state or w 100 miles of your mailinO? address (H we own. a operate the merchant, or it we mailed you the advertisement for the goods or services, all purchases are covered regardless or the amount or locaon of purchase.) Payments. Send onN lrour payment and the top portion of this statement in the envelope provided. Do not send cash. By sendin your check as described above, you u horize us to use informwo t on your check to make an electronic fund trarufer from r account it the fin?ncral institution indicated on your check of to process the pa t as a check transaction. H ylttent is proca"ad ore ante fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund.Ua , f4Ntds may be withdrawn from your account as soon as the same day we receive yin L and you will not receive your cheek bock tram tirltaaGial institution. The processing of your payment may be s lad if yoonu send cash, correspnce or other Item with r At, if you send the payment to any other address or your you use an envelope other titan the pre provided its received on or all r 1 may tnroupf? Fridayy or of a to weekend of bank holiday will be posted to your Account as of the next business day. If you have misplaced your envelope, send your y0ynd At Discover Bank, PO Box 15251 Wilmington, DE 19886-5251. Please allow 7.10 days for deitvery. If your payment Is returned unpaid, we reserve the right to resubmit it as an ei&+6nle debit You can pay your minimum payment or a greater amount over the telephone. Call us at 1-800-347.2863. You will need this statement ltd Your bank account information. You must ensure that sufficient funds are available in Vaei? bank account, and all trio s must comma within law. You will be asked to provide the first 5 digits of your account statement zip code. By ewerflGrt1?n these n one tare, you will be a reem9 to this authorization te allow us and ? bank to deduct each t auliftita, In the as by from your bank 81 m< daays in-advance of the scheduled payment. ou may ndfNy us by accoun[ In order to cancel a payment we must receive notice at lot phone at 1.800.347-2683 or by mad at address listed in the previous paragraph. Credit Reporting. We may report information about your account to credit bureaus Late payments. missed Pa u, or other defaults on your account may be reflected in your credit report We nbrin lly report the status and peVmant h of Your Account to credit d s each month. If you believe that our report is inaccurate or incona please write us atthe f adds Discover More rd, f f I, 5316, Wilmington DE 19850.5316. Please include your name, addee s °home telephone number and Account number. Perlodle Finance Charges. Except as provided below, we will impose Periodic Finance Char ggees on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balancers until theda te of r ?x?eeott a s are comprised of either purchases and cash advances made on of prior to the last day of your bHHng period aniflng durinFebruary 1993 or Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the W8i statement on which the purchase first appears by the Payment Due Date, And the Pa.ru?tis and Clam an that atalamont *V a stead Yow FWAM sow", we call this the "grace period". You do not have a grace penod art balance transfers of cash advances. Periodic Finance Charges are imposed on new balance transfers and cash atvances beginning with the date the transaction occurs. Periodic Finance Charges are imposed on alfUansactions and Old Balances until the date of repayment Repaymtent means lyment of your entire New Balance . However if you pay the New Balance shown on this billing std ni.by the Payment Due Date, 7ru1 the Pa and Credits shown on this statement equal or exceed the Previous Balance. we will not !mp te l fb ance C, ltaryat on AM that is pencpses Wst ilia New Balance shown on this Statement by the Payment Due Data and the Payments, a Credits on this statement equal or exceed your vrevious Balance. Otherwise, You will receive a billing statemaht next month that includes Porxtdre nance Charges imposed until the date of repayment We corn ute Periodic Finance Charges, each day for purchases, cash advancge?, balance tiansfen and Okl BalancEaa (which we refer to as transaction cateporiesF by using the following equation: Average Daily Balance x number of days in the billing Ia_tied x Dairy Pefkdc Rate. (defer, to the finance lance Charges lot each hansacuon Cate" to charge summary nn the front of yow statement fa these amounts.) Then we add an the Pefiodia- _tied gel the total Periodic Finance Charges lot your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apps -to the balance in a transaction category. We use the two-cycle Avers daily balance (including new transactions) method of calculating the baledtce finance Char which we impose Periodic es This means d u did not pay the New BaTance shown on the billing statement you received oue previous W"Jefiod by the Payment-Due Date. we Will m Periodic Finance Charges on new purnasesnat Pint appeared on that statement as as new purchases that first appear on this billing statoment,'unless we sN ?d!yy t?mpQaeac Pertodtc FiMee Charges on theon your Previous Whin statement We connote the average dally balance fore h Uapeasaa:itxA c by up allll the d1w 4alances in a lot 11" pot sod fa transaction category antl dividing th8 total by the number dx days in the tZilh gaAt for egah c y on each dag 1Tfrsit adding the Tols"i tg to the prerbus dwi daffy Ua l [c Wl cr awe of the Charges ac I J d on the previous day's gaiilyN bairne? attd by then any a sW paymwt a FOM transaction category on that day. In calcufa(lt the daily balane a to the to s bilil;g period, we consttler the 'Previoull days daily balance" 10 have been 0 on the first da of the bi0inG period Old Balances are ex lu from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Fee Charges are included in the dally baarwe transfer transaction cAtegiory. Bgaaca transfers that were $l to an initial special rate that has been terminated due to a tale payment or because you a you credit limit are ago lac! in the catenary until the initial special rate otherwise would have erred. In ttel t the a di1 transfer fr an the Hrsf day of the Wllinp period, we subtract the unpaid be we of theta it Tom ransacton tee' nee Charges ore n ors that become purchase ra[e balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction category All fees charged to your Account are added to the irchase transaction categn with the exee of Cash Advance TTr71?Zion Fist -Finance Charges which are added to the cash advance transaction category and Balance r Aster Transac' tee Finance, Charges which are added to the balance transfer transaction category. If a transaction made in a previous billingg 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 PerioaIt Finance Charges. For TOO (Telecommunications Device for the Deaf) assistance, please cab 1-800-347-7449. The Discover® More am Card is issued by Discover Bank. Member FDIC, v aera..; ! tr CARD 06 SDSN6A01 0002365 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 v.vv.vv GIOeI M111VUn1 CnGlaSea aelaW Payment Due Date $ December 5, 2005 Please make check pa able to Discover Platinum Card or pay online Discovercard.com. 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. Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 111 11111 rr111 11111111111111 WILMINGTON DE 19886-5251 I...IIIIII?I,l1.l..Illll?l?Illll?l?1l1l1ll,ll4lllll?r?lll l{l?l 000006011002798373221049601500000000010000 Discover Platinum Card Account Summary Closing Date: November 6, 2005 page 1 of 1 Account number ending in 3221 Previous Balance $5,109.43 Payment Due Date December 5, 2005 Payments And Credits 203.00 Minimum Payment Due $100.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $39.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 53.72 Cash Credit Available $39.00 New Balance = $4,960.15 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback-Bonus® Anniversary Available to Redeem . $ 0.00 Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to I% Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at. Please have our Discover Card available. Discover More Card, PO Box 30943 Y Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDO (Telecommunications Device for The Deaf}: Customer Service: 1-800-DISCOVER (1-800-347.2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 12 Oct 12 INTERNET PAYMENT - THANK YOU $ .203.00 :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 $138.38 0.03490% 12.74% V 12.74% $1.50 none Cash Advances $0 0,05751% 20.99% F 20.99% $0 $0 'Balance Transfers $4826.88 0.03490% 12.74% V 12.74% $52.22 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Informatlon. If there is more Nan one page to this billing statement, see the back of each page for additional unpertam iAfiwmation, See your Cardmember Agreement. Your Cardmamber Agreement contains all the terms of your Account cn 0 Lost or stolen cards. Report immediately! Call 1400-347-2683. M B86trptt Rights Summary. In Case of Errors or Questions About Your Bill: If youlink your bill is wron or if y l Id more information about a o tran53C110n on your bite write us on a separate shoet of taper at Discover More P.O. Box 15192; Wilrrrgfon, 7? IV50-5192, as soon as possible. We must hear from you no later than fill days " we sent you the first bill on which the error or pro m appeared. You can telephone us, but $ doing so will not preserve your rights. In your Netter, 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 You do not have to pay any amount in question while we are investigating, but you are still obtk>aled to pay the ppaarts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any actiranrr to contact the aAtormt you question. Spatial Rude for Credit Card Purchase: If you have a problem with the quality of goods or servleas that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant ?u or not have to pay the ret[alntng amount due on the goods or services. You have this protection only when tie purchase price was more than 5Q and Gie Apuurc was mark in_yrxrr lr ome state or rlrRtdm 100 miles of your mailing address. (If we own or rate the merchant, or if we mailed you the auFvertisement for the goods or services, all purchases are covered regardless of the amount or location or purchase.) P s. Send only Your payment and the top portion of this statement in the enve provided. Do not send cash. By sending your check as de ribed above, you authorize us to use information an your check to make an electronic lope twrd transfer from your account at the Mranciat institution indicated on your check or to process the payment as a check transaction. If pa nt is processed 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 eectronic fund transfer ,fOR& may be withdrawn from your will not receive your chock blitit from 1iruMlCisl institution, account as soon as the same tlay we receive Fee, nt and 1bu The processing of your payment may be you send ash. correspondence or other Items v ur MV, if you send the payment to any other address or it you, use an envelopthan the one provided. Payments received on or of I 1 ay through Friday a' on a weekend-or bank holiday will be posted to your Account as of the-next business day. It you have misplaced yax-eiweL le, sent? p ne Discover Bank, PO Box 15251 Wilmington, DE 19886.5251. Please allow 7-10 days for delivery. It your paymer it is tetuil unpaid Your- we re rve the right to resubmit it as an elacUonfc debit You can rXY your minimum payment or a greater amount over the telephone. Call us at 1.800.347.2663. You will need this statement and your bank account information. You must ensure that sufficient funds area in Parr be k account. and SO transactions must with U.S. taw. You will be asked to provide the first 5 digits of your account statement zip code. Vr en those numbefs #s Your electronic A lure, you will be agreeing to this authorization to allow us and your bank to deduct each 1 nt You autRatze, in the amount requested by you, from sur bank account in order to cancel a payment we must receive notice at least 1h in da in advance of the scheduled payment You may ntdffy us by Dhone at 1.000-347.2683 or by mail at address listed in the previous oaraoraoh. Credit Reporlhg We may report information alwtrl your account to credit bureaus Late pa menu, missed pa ments, or other defaults on your account may be reflected in your credit report We normally report the status and pa nt hr of your Ac [ to credit a e1+?bs each month. If you beduava that our report is inaccurate or incomplete, please write us aC me ko6 aadracs Nam( More ? l rd PS7 Box $5316, Wilmington DE 19650.5316. Please include your name, address, home telephone number and Ace nt number. Periodic Fhrenee Charges. Except as provided below, we will impose Periodic Finance Char son purcbases. cash advances and balance transfers beagginning with the date the transaction occurs until the date or repaylrtpt and on Old ! until the gate of ropsy rt Old BOW., are coMprised of either purchases and cash advances made on or prior to the het ray of your period en dulusg February 1999 or Restive tine balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the Now Basnce shown on the billing statement on which the purchase firs( appearsod"by 'h0 Payment Due Date, ofd the Paymtnls and Credits on Nat siternMti metal a thus BatAncposage awstrtceavr this Ne "grace peri. u do Rot have a grace period ols talance Uaniltss to cash advaitr es Periarke Ffnmri are +m balance traystars and cash advances beginning with the dale Ne transactiod occurs. Periodic Finance Charges are imposed on a1 transactbria and Od 8ahndxs until the dale tit repayment Rtpayr?tt?t means payment of year entire New Balance. however it you pay Ne New Kahn??ee ahoMm on Nis tti6in staterrunt ply Ne Pawnent tkue t}a1t, and Ne Payments and Cradhs shown 0n Nis statement aqua} ru exceed Ns Previous eafae we with not pp?elid Fbarrceiragees on raw purer that rs, purchases (list aldeanng on this slalemenl f vour Account vras oWaed as of Seotembe.199g: you Can avoid trfvment of Pertadic Finance charges it you eav we cool to o using Periodic the Finance following squab charges. each IM, ffor purchBaaseslance ca x sh adv number of ances days balance the traftslet5 and led Did x daily Balances Periodic (which Ratwe re{er to ai transaction categoriesb on: AvDalai pue ( t& fer to the finance Chat summary on the front of your statement fin these amounts.) Thr.n we add all the Per finance Charges for each iransacuon category to get a total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the balance in a transaction category. We use the two-cycle ivrga daily balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means it you did not pay the Now Balance shown on the statement you received during the previous billing period by the PaymentDue Date, we will imppopsse Periodic Finance Chagas on new purettaaal at tksl a aced on that biling stolitmerrr as weft as now purchases that first appear on this billing statement, unless we already imposed Periodic Finance s on the purchases on your pro billing statement We compute Ne avarap dally balance for each transaction category by adding up all the tlady balances in a bisurg for a transaction category and dividing the total b1 the number of days in Ne bang cycle. We compute the daily balance for each trap actwn category on each day by us auNfin Ne TWlowinp to Oie preldtsus day's daily balance: rrsactions made that dal, lets d that day one Periodic Finance Charges accrued on the p?pevious day's aaihr bsttno; and then su Dp? any cretils and payments Etrat i?te k?pked lost the Datertee of the transaction calepory on Flat day in calculating the daily lance or pt i billing period, we consider the prevbuu s daily balance" to have been 0 on 11rd first day or the billing period Old Balances are excluded from the balance of the purchase and cash advance transaction categories Sppeecial rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the dally balance transfer transaction category. Balance transfers that were suWecE to an initial special rate that has been terminated due to a late payment or betausa you exceeded your Account credit Limit are also includddddeeeeed in the cotegorY until the initial special rate otherwise would have expired. In Calettlath the daily fiance of Is IanCe transfer transaction category on the fists! day of the biliinpp period, we subtract the tinged balance of !hose Bafan?a Transfer Transaction Fee inance Charges and balance transfers that become purchase to a balance transfers on that day and we add that unpa balance to the balance of the purchase transaction cat ry. All fees charged to your Account are added to the purchase transaction ca emery with `ne axcepAso? of Cash Advance Transaction agape Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction fee Finance Charges which are added to the balance transfer transaction category. If, a transaction made in a previous billin 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. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-900-347-7449, _. - e....__.._ .__..-. - n.--.- -- .....-.w-, M- CARD 06 SDSN6A01 0002366 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 vsi.vv uuoi nn w?.u ui?waou uoiurv Payment Due Date $ January 5, 2006 please make check payable to Discover Platinum Card or pay online 0 Discovercord.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. Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 111111 1111 1111 WILMINGTON DE 19886-5251 ?n???l????ln??lulnllu?l?l?????l?l?lunll?l?l?nil?lrlu? 000006011002798373221049133100000000009900 Discover Platinum Card Account Summary Closing Date: December 6, 2005 page 1 of 1 Account number ending in 3221 Previous Balance $4,960.15 Payment Due Date January 5, 2006 Payments And Credits 100.00 Minimum Payment Due $99.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $86.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance Charges + 53.16 Cash Credit Available $86.00 New Balance $4,913.31 You may be able to avoid Periodic Finance Charges, see the reverse side for details. i Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus®-Anniversary -Available to Redeem Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Program) Full 5% Cashback Bonus on Get More purchases in popular categories h k bac throughout the year and up to I % Cas Bonus on all your other purchases. You? How Can We Hel For Account inquiries, write to us at: p Card, Box 30943 Discover More have our Discover Card available. y Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deal): Customer Service: 1.800-DISCOVER (1-800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guaranies Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 5 Dec 5 INTERNET PAYMENT - THANK YOU $ -100.00 Information- For-You- Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342`Ye; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. 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: 30 days Purchases $139.89 0.03559`Yo 12.99% V 12.99% $1.50 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4839.27 0.03559% 12.99% V 12.99% $51.66 $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, see the back of each page for additional impatant Ntfatttiaton See your Cod ember Agreement. Your Cardmember Agreement contains all the terms of your Account, U) Lost or stolen cards. Report immediately! Call 1-800-347-2689. BBgng Rights Summary. . In Case of Errors or Ouestions About Your Bill: If AS ink your bill is wron or if you a id mo a information about a transaction on your bill, write us on a separate shalt of paper at Drover P.O. Box 15192; MIN uE 15D-51i?2, as soon as poasit,tc. We must hear from you no later than 60 days. after we sent you the first bill at which the error or pr appeared. You can telephone us, but doing so will not preserve yyoouur rights. In your etter, 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. It you need more information, describe the item you are unsure V about. You do not have to pay any amount in question while we are investigating, but you are still obligated ?y btu pails ofY Your 111 that are not in question. While we investigate your question, we cannot report you as delinquent or take any actwh to the a nt Special 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, Vu may not have fop?the remaining amount due on the gouda or services. You have this protection only when live (chase price was. more in $ 0 and the purcttala was made in Your hams: slate or willmn,100 miles of your mailing address. (It we own or operite the merchant, or if we mailed you the adverlloentent for the goods or services, ail purchases are covered regardless of the amount or location of purchase.) Payments. Send only Your ent and the on of this statement in the arlvelope provided. Do not send cash. By sa idin your check as described above, you alt orizeaus to use inform your check to make an alectrank fund traiiafer tram your account St the fiAncial insiltuilon indicated on your check or to process the payrttelot as a check transaction. If nt is eaed as an electronic fund transfer, the transfer will be for the amount of the check. When we use infolonation from your check to We an a is fund transfer (untle may be withdrawn from your account as soon as the same day we receive nl, and you will not re dyour too from you al institution. The processing of your payment may be send cash, coma 0 OF ours items with year if you send the payment to any other address or.if you use an envelope er than the one provided. aymants received on or attar 1 y through Friday a on a weekend or bank holiday will be posted to ur Account as of the next business day If you have misplaced your envelope, send your payment to Discover Bank, PO Box 15251 Wilmi?pton, Or, 9386.5251. Please allow 7-10 days for del . If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debi1. star amount over the telephone. Call us at 1.800.347-2683. You will need this statement and your You can pay ur minimum payment or a gre bank account inf mation. You must ensure that sufficient funds are available in Your bank account and 48 transactions must comply with I.I.S. law. You will be asked to provide the first 5 digits of your account statement zip aade. ey entering those numbers as your aftbonic si?raWre, you will be agreeing to this authorization to allow us and Parr bank to deduct each ntannt you aulfwrim in fire) amounl roi;uetded by le from y rr bank accounC In order to cancel a payment we must receive notice at least paYae days in advance of the scheduled payment. You may money ua phone at 1.800.347.2663 or by mad at address listed In the previous paragraph. Credit Reporting. We may repon information about your account to credit bureaus. Late ymsnts, missed pa manta, or other defaults on your account may be reflected in ydrrr credit recoil YMe trot rhea atul and paYment?of yatrr la Credit boiling adeectOs each WilmingtonyDE 98150 5 that. easeeincludee your name. io address. home telephone numtberr and Acconntt0nuikmber. More +r Card, PO fwd tfi3tQ, Periodic Finance Chula. Except as, provided below, we will impose Periods Finance Char on purchases, cash advances and bale ce transfers beginning with the date he transact occurs unlit the date Of ant and on Old unl?l the data of rYment Old to are comprised of either purchases and cash advances made on or prior a test day of yard peeda imp dui February t a serve Line balances. You can avoid Pa ant of Periodic Finance Charges on new purchases if pay the Now Balance shown on the billing statement on which the purchase first appear3 by the Payment Due Dale, and the penis and CreaU at that statement equal or exceed your Pravlous 84=. We tall this the "grace period". You do not have a grace perod oft balance transient or can advances. Periodic inane Charges are iolmilid on now balance transfers and cash advances beginninngp with the date the uansacton o cum Periodic Finance Charges are imposed on alftransactions and Old Balances Until the date of repayYment Repa ment means pa menl of your entire New Balance. However if you pay the New Balance drown on this billing slate nt by the Payment Due Date, nd the IP nt.", and Cretgls sbovnit on this. statement equal or exceed the Previous Bel we will not id sa Periodic Finance Chargpeess on rr0 bur thaE is, pwc sea first enn.?nnn nn Inie etatsmunl if 1 ., Af`nnilnt was as of sedember 71989. you can avoid- payment of ?f apft a Charges you fay fiance Chuges eac?t Apr %oi puichoes Cash advanceibnlarme tren era and OW @abncd (which we refer Waif transaction following equation: Aver iyge Doi Balance x number of days in the biNin period x Daly Pciwdic Rate (Refer to the finance front oCyyrou statement f these amounts.) Thor we add all the Periodic Finance Charges for eacn Iransection category to nance charges for your Account. The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to Ule c daily balance (ineludNa new transactions) method of calculating the balance u which we Impose Periodic le??a leans if you did not pay the New rice shown on the billing statement you received der' the previous ds ing period by we will impose Periodic Finance Charges on new pu 11CUs the first ap?red on that g suamenl, a well as new ear on this billing statement unless we ekes?y imixsted Periodic Finance Charges on the urettases on your prrAous tilling e the everr8agpe dallv balance for each traftaabtion category by adding up ail the dell y t tihminn tnA total 6v the number of davs in the WHina cycle. We compute the daily balance foorr each bra ealo 711 we that become purchase rate balance transfers on that day and we arm list unpaid cadence to me oaiance All fees charged to your Account are added to the OurChase transaction category with the excmtiru Charges which are added to the cash advance transaction category and Balance Transfer Transaetit5 " 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 Periodic Finance Charges For TOO (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Tk. n:...n.,nrm 1An.n nM P-r i. i- -d k,, ni.......-. n-..b \An--knr [rod Sp"I rate balance transfers and Balance Balance transfers that were sir ct to an count credit limit are also inc in the e pfiWe transfer transal catoo on ee Finance Char andbalatn?ce It,, era of the purchase If wrAS " F Of Finance Ca Advance r to to Finance Charges whie arq added to the this statement, we considar the transaction VerdY Ltl\ •"•••,••.••wi°i•,? uud1 r\1IIVU111 cnc.ivsnu 0e1aw CARD Payment Due Dale $ February 5, 2006 Please make check payable to Discover Platinum Card or pay online Discovercard.com. 06 SDSN6A01 0002367 SPEAKMAN, ROBERT B Make payments on your schedule, in 341 E MEADOW DR advance or on the same day as your due dale. Visit Disooveroard.oomlpayments MECHANICSBURG PA 17055-5168 to make an online payment today. PO BOX 15251 111111111111111''111111 1111 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space 1111111 above, or go to Discovercard.com. Print your a-mail address to receive important Account information and special offers. 000006011002798373221048688100000000009800 Discover Platinum Card Account Summary Closing Date: January 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,913.31 Payment Due Date February 5, 2006 Payments And Credits 100.00 Minimum Payment Due $98.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $131.00 Balance Transfers + 0.00 'Cash Credit Limit $2,500.00 Finance Charges + 55.50 Cash Credit Available $131.00 New Balance $4,868.81 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashbock Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 . Cashback BonusO Anniversary -Available to Redeem $ 0,00 Date: July 6 Cashback BOnus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at: Please have our Discover Card available. Y Discover More Card, PO Box 30943 Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): ,Customer Service: 1-800-DISCOVER (1-800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date 'Payments and Credits lan 6 Jan 6 INTERNET PAYMENT - THANK YOU $ .100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.013A2%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES C GES CHARGES current billing period: 31 days Purchases $141.42 0.03627% 13.24% V 13.24% $1.59 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4795.47 0.03627% 1124% V 13.24% $53.91 $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, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account M Lost or stolen cards. Report immediately' Call 1-800-347-2883, rn Z m BMlhrp RIpMs Summer . In Case of Errors or Questions About Your Bill: If yYou Mink your pill "1s wr , or if you need mote information about a o transaction on your bit write us on a separate shsat of paper at Discover A?i s P.O. Box 13192: iNr?roto?y pE 19850.6192, as sown as possible We must hear From you no later than 60 days, after we ant you the first bill on which the error or prub?m appeared You can telephone us, but doing so will not preserve your rights. In your etter, give us the following information: Your name and Account number. •The dollar amount of the suspected error. rn • Describe the error and explain, of 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 obilgabed 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 actiat to COWt the amount you question. Speclal Rule for Credit Card Purchases: If you have a problem with the quality of goods or ser*,a that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchantu rrWy not have to the remaining amount due on the goods or services. You have this protection only when Me purchase price was more iJtan 150 and the ppuurrAarewas made in your MM state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisementfor the goods or services, all purchases are covered regardless cif the amount or location of purchase.) Payments. S above, d onN your payment and the trop Dortion of this statement in the envelope provided. Do not send cash. gy sendingo your check as you authorize us to use infbtma on your check to make an electronic fund transfer from your account at the rk1wiai institution indicated on your check or to process the payment as a check transaction. It payment is processed as an electronic fund transfer, the trapsfei will be for the amount of the check- When we u iefdrmelion from your check t0 m ice an electrwntC fund traastcr funds ma Ee withdrawn f account as soon as the same day we receive yr The processing of your payment m be de any other address or it you use an envek*e weekend-or bank holiday will be posted to ya Discover Bank, PO Box 15251 Wilmine7bagoton, DE right to resubmit it as an electronic dt You can pay yax minimum payment or a 4 bank account information. You must ensure th You will be asked to provide the first 5 digits of agreeing to this authorization to allow us and accounC in order to cancel a payment we n phone at 1.800-347.2883 or by mail at address t?rlent and you will not racakne Parr elreck h?k trrto?t r (kutacial institution. r+rrt your Pjesi, you send cash, corermerrde or other imnu wtltr ?ypouu ppn1 of yaw send the payment to than the one provided. Payments recahied on o ait8r 1 PM Monday through Friday w nn a of stow 7 10 da do . If t halvfe ml Laced yowl envelope, send year payment to c5 5t as ys ry. y payment is returned unpaid, we reserve the r amount over the telephone. Call us at 1.800.347.2683. You will need this statement and your 'rtcient funds are available in your bank account, and all transactions must compy with US law, account statement zip code. By entering those numbers as your electronic srgnilture, you will be bank to deduct each baymenlsu authorize, in the amount raquested by u, from yynouur bank aceive notice at least roe do in advance of the scheduled payment Yo may noltfy, us by I in the previous paragraph. Credit Roper". We may report information about your account to credit bureaus. Late payments, missed pa means, or other defaults on your account may be renecled in your credit report We normalllyy report the status and pa nt hr of r Account to credit rotpW l apgneies each month. 11 you believe that our report is inaccurate or incothtpfate, please write us #t taf?,>rees OiacpNer Morea+s Caid Pt7 Box 15316, Wilmington DE 19850.5315. Please include your nano, address home telephone numbethm, r and Fit number Periodic Finance Ch s. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers tseginningg with the date the transaction occurs until the date of repeymertt and on ills Balant line anal the date of r Ynt O nos are comprise ii of either purchases and cash advances made on or prior to the last day of yrwr tf?ir p period enrfmg durin?February 19fd9 or Elesorye balances. You can avoid payment of Periodic Finance Charges on new put purchase first a Dios by the Payment Due Dale, aged the Payment this the "grace riod". You do not have a grace period on ball balance transfers and cash advances begimnin with the date the if Periodic Finance Charges are imposed on of transactions and Old New Balance. However it you pay the New Balance shown on this on this statement equal or exceed the Previous Mace we will apppearinQ? on this statement If your Account was clad as of Se the New Balance shown on this Statement by the Payment Due DaBalance. Otherwise, you will receive a billing stalamsstt next month We compute Periodic Finance Charges each day for purchases, ca categories) by using the following equation: Average Oaity Balance chargesummary on the front of your statement tot these amounts. get the total Periodic Finance Charges for your Account The Ali balance in a transaction category. We use the two-cycle average daily balance (includ n new theaPayment Due Date, we will fmDOse Penot r?icy the Now Chosen on each day ad Charges accrued transaction cats have been 0 on Old Balances it you pay the New Balance shown on the tsiuirg statement on which the crew on that statement equal of exceed your Previous Balance. We call insists or cash advances. Pariadlc finance Airges are imposed on now on occurs. M until the date of repayment Repayment means payment of your entire statement the Payment Due Date, and the Payments and Credits shown m Finance Charges on new pun that is, purchases first 1999, you an avoid ptiyment of Periodic tnonce ChaMe s If you pay the ooydrsenyl and Credits on this stale nl c al of exc ard revous aides Periodic Finance Charges until the dale of repayment Incas, balance transfers and Old n (which we refer to as transaction or of di in the bu.iii period x Dairy Periodic Rate. (Refer to the finance we add all the Finance Chauges.foi each transaction category to tarry Balance is shown as 0 if no Periodic Finance Charges apply in the -tions) method of calculating the balance upon which we impose Periodic on the bilift statement you received dur' the previous btit rod by r pureh that first ail eared on that bi ssstatar k as wen as new Posed ionttie Finance Dirges an the par s on your previous bating calemxy by adding up ah the daily bitisnces in a billing paried rw a Mng Ia. We Compute the dailv balance for each transaction cateanrv ce transfers and Balance that were sir t to an are also incf in the bra Rost gay or me tour perod. We subtract the Unpaid balance or those Balance Transfer Transaction that become purchase to balance transfers on that day and we add that unpaid balance to the balance All fees charged to your Account are added to the purchase transact'tcn aleglry with the exec Charges which are added 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 dale to be the first day of the current billing period when we calculate your Peri is Finance Charges. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. r- - -_-... ._ .__..- - --- -. -- ..,w,.. C-P the to vraY?,. ? a..ua CARD 06 SDSN6A01 0002368 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA Payment Due Date 1 $ March 5, 2006 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $98.00, B Make payments on your schedule, in advance or an the same day as your due date. Visit Disoovercard.oom/payments 17055-5168 to make an online payment today. PO BOX 15251 (llrnr1lnnn1lnn$nl1rrnlnnll WILMINGTON DE 19886-5251 Address, above, orgoatoDiscovehcardcc m9Prrint?youre•m pp ailaddressto receive important Account information and special offers. 000006011002798373221049628300000000019800 Discover Platinum Card Account Summary Closing Date: February 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,868.81 Payment Due Date March 5, 2006 Payments And Credits 0.00 Minimum Payment Due $198.00 Purchases + 39.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $37.00 Balance Transfers + 0.00 Cash Credit Limit 500.00 $2 Finance Charges + 55.02 Cash Credit Available , $37.00 New Balance = $4,962.83 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus-Anniversary - Available to Redeem. $ 0100 Date: July 6 How Can We Help You? For Account Inquiries, write to us at: Discover have our Discover Card available. More Card, Box 30943 Y Salt lake City, UT 84130 Manage your account online at Discovercard.com TOD (Telecommunications Device for the Deal): Customer Service: 1.800-DISCOVER (1-800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Feb 6 Feb 6 LATE FEE $ 39.00 Information For You Your account is post due. Please pay your minimum monthly payment plus the past due amount Balance Transfer offer for current billing period: Daily Periodic Rate: 0.03627%; corresponding ANNUAL PERCENTAGE RATE: 13,24Y. -Rate is.sublect to the terms of the offer. including- expiratioo.._- 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 $143.03 0.03627% 13.24% V 13.24% $1.60 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4752.36 0.03627% 13.24% V 13.24% $53.42 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Infomntion. If there is more than one page to this billing statement, see the back of each page for additional important Ndorh abort See yaw Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account ra 0 Lost or stolen cards. Report immediately! Call 1400-047-2688. BII1gr? Rights Sr?nmary In Case of Etrots or Oueslions About Your Bili: If you think your bill is wr or if n?td more information about a o transaction on ur bill, write us on a separate sheet of paper at Dscover tiMNesm P. O. Box 15192. Wit DE 19®50.5192, as soon as po or We must hear Trom YOU no later than 60 days, after we sent you the firs) bill on which the error a appeared You can telephone us lose( $ doing so will not preserve your rights. In your etter, give us the tollowing information: tR? •Your name and Amount number. *The ddlar amount of the suspecled error. •Describe the error and explain, it you can, why you believe there is an error. If you need more information. describe the item you are unsure o 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 deAuent or take any action to tow the Amount you question. SpeeW Rule tar Credit Card Purd ass: 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 a problem with the merchant, m may riot have to pay the romainl amount due on Na goods or services. You have this protection only when the purchase price was. more than =5ti and the purchase was mach if your home state or wain 100 miles of your mailing address. (If we own or ratio the merchant, or if we maled you the advertisement for the goods or services, all purchases are covered regardless 6f the amount or location OF purchase.) Payments. Send only yyo0ur payment and the top portion of this statement in the envelope provkfed. Do not send cash. By sendin your check as described above, you auNonzeeus to use mformari on your check to make an electronic fund transfer from YOU( account at the finincdal institution indicated on your check or to process the pa t as a check transaction. If p M b as an c fund transfer, the transiter will be for the amount of the check. When we u3e Mrfamation from your check to ke an el fsanis food U funk may be wiWdrawn from your account as soon as the same day we receive r nt, and you will not rec ' your chock back frgtn tritanBial institution The processing of your payment may be you send cash, come or other Hems with r t H you send the payment to any other address or if you use an envelope r than the one provided. Payments received on or aft r 1 Mondayy througn Friday a on a weekend or bank holiday will be posted to Your Account as of the next business day. H you have misplaced your envekrtse . your payment to Discover Bank, PO Box 15251 Wilmington, DE 19968.5251. Please allow 7.10 days fix delivery n your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay r minimum payment or a greater amount over the telephone. Call us at 1-800-347-2583 You will need this statement and your bank account information. You must ensure that sufficient funds are available in r bank nt and all transactions must comply with uS" law. You will be asked to provide the first 5 digits of your account statement zip code. ay enter num6rtrs Al- eieclron? lure, you will be agreelng to this authorization to allow us and your bank to deduct each t ycu ale in the am equested Dy from year bank accounC In order to cancel a payment we must receive notice at l i = nda in advance of th e se payment ou 'ma n us phone at 1.800.347.2683 or by mail at address listed in the previous paragraph. Credit Reporting. We may report information about yYour account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We nwma# report the status and pa nt histor of our Accoun[ to credit rRp4rtkig 1101?icWs each month. If you believe that our report is inaccurate or incomplete, please wilt us the foliawi p address Discover More Card, IT 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 Cl hoes on purchases, cash advances and balance transfers beginning with the dare the transaction occurs until the date repayment and on Old Balances until the rata of r t 0 ftn es are comprised of either purchases and cash advances made on or prior to the last day of your haling period ending duruaty t 9 r the Line balances. You can avoid payment of Periodic Finance Charges on new purchases if pay the New Balance shown on the billing statement on which the Urchase first appears by the Payment Due Date, and the Payments and Cretfits on that statement squa4 or exceed yo Previous Balance. We call his 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 beginning with the date the transaction occurs. Periodic Finance Charges are imposed on all transactions and Old Balances until the date of repaymenl Repa menI means t of your entire New Balance. However rf you pay the New Balance shown on this bHUrng statement by Paym_ Ous Date, rid Ne F and Credits shown on this statement equal or exceed the Previous Balance we will not irTip Pariadic Finance Charges on new purch s, t Is, purchases first pay anwearina on this statement If your Account was _closed as of Septem0er_ 719 9, you can?avord Peyment of Periodic Finance Charges tf n a the on eaen as Dy Charges ac rues transaction cats have been 0 on Old Balances ,..._._ wilt receive a billin0 stateme t neirt month Nat dudes iodic finance Cnarpes im =i Ithe d rotas n inance Charges each day for purchases, cash advances, balance transfers and (lid iMorftdtien wr refer to transaction following equation: Average Daily Balance x number of days in the billiuntggperind x Daily r is Role (Refer to the finance front of your statement for the: a amounts) Then we add all the Pertadic Finance Charges fur each transaction category to nance Chaiges for your Account the Average Dairy Balance is shown as 0 if no Periodic Finance Charges apply to the category. Me average daily balance (including new transactions) method of calculating the balance u n which we impose Pciaodic neans if ydr did not pay the New Balance shown on the bilk statement u recelved di. the previous hdhttg pnnod by we will impose Periodic Finance Char" on new purchase hat tryst a ed on Nat statement as w+iell as new iar on Nis bHBngg statement unless we already smptaed Periodic Finance "Charges on the purchases on your pr ions billingg e the average daily balance for each transattiorn cab Qpory by addiongmpUp all the dairy balances in a bilHnp Barg a I dividing the "total by the number of days" in the bdit n s rttaoe that the t a s balance for each than tiodtc FinSnc ling the lotlowtnp to [ISet is serfs daily balance: (Ans ? of balance" to Nat cl,y don caalculaatinng the dart' lance WttR bvsais?bi Pafiad vie cohr the rMthat au d?s the Mani ad of the billinga period from the bri nee of the purchase and cash advance transaction categories Special rate balance transfers and Balance i Finance Charges are included In the daily balance transfer transaction category. Balance transfers that were sirDlect to an has been terminated due to a late perment or because you exceeded your Account credit Ilmit are also included in the ---- 1- ... - --l- ,.,.,,.u h.....? .,a i. -fnnmiinn the eaHv halanee nt the balance transfer transaction cateomy on the firstday of the billing period, we subtract the un b balance Of mode ealanCc LiAniit" IJMM•GUVII 1. that become purchase it balance transfers on that aY and we add that unpaid balance to the balance of All tees charged to ur Account are added to the burchase Uansacfwm calegaY with the exception c Charges which are added to the cash advance transactor category and BaWnce_Transfer Transaction Fee balance transfer transaction category. If a transaction made in a revious billing period is itemized on ft date to be the first day of the current billing period when we calculpate your Pert oHic Finance Charges. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-800-947-7449. are added to it the tiansar _ CARD -_- Payment Due Date $ Payment Du te October 5, 2006 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 06 SDSN6A01 0002375 SPEAKMAN, ROBERT B Make payments on your schedule, in 341 E MEADOW DR advance or on the same day as your due date. Visit Disooveroard.oom/payments MECHANICSBURG PA 17055-5168 to make an online payment today. PO BOX 15251 pill 111111 fill fill WILMINGTON DE 19886-5251 Address, e-mail orloophone change? Print change in space above, or go to Df vercard.com. Print your e-mail address to receive important count information and special offers. 0000060 1002798373221047150600000000009300 Discover Platinum Card Account Summary Closing Date: September 6, 2006 page 1 of 2 Account number ending in 3221 Previous Balance $4,737.14 Payment Due Date October 5, 2006 Payments And Credits 100.00 Minimum Payment Due $93.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $284.00 Balance Transfers + 0.00 ,Cash Credit Limit $2,500.00 Finance Charges + 77.92 Cash Credit Available $284.00 Now Balance = $4,715.06 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 'Cashback Bonus® Anniversary Available to Redeem _ $ U0 Date: July 6 Cashback Bonus(R) is America's t! 1 Cash Rewards Program) Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? for Account Inquiries, write to us at: Please have your Discover Card available. Discover More Card, PO Box 30943 Salt Lake City, UT 84130 Manage your account online of Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800.347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 5 Sep 5 INTERNET PAYMENT - THANK YOU $ -100.00 '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. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Shop confidently. Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. With our advanced fraud warnings, we'll call you right away if there's unusual activity on your account. And if someone makes : fraudulent charges with your card, our $0 fraud liability guarantee means you're not responsible. Get 5% Cashback Bonus(R) from October to December at restaurants, movies theaters and rental stores; and on books, music and evervthinci else at AMAZON.COM. Barnes & Noble RorrinrsiRl C'irriiir f ik r•r f,kFw.4(Di ni... f-toi _4 Impartant Irdertnatten. If there is more than one page to this billing statement, see the back of each page foradditional intpeKtant inhume M. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2693. 8118rrg Rights Sterns"". In Case of Errors or Questions About Your Bill: If you think your bill is wrong, of if you need more information about a o transaction on your bill, write us on a separate sheet of paper at Discover MoreaM ; P.O. Box 15192; WHminglnrr; DE 191150-5192, as seen 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: N -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 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 far 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 may not have to pay the femaining amount due on thus or services. You have this protection only when the purchase price was more an ;50 and the purcAmw was made in your herd state or in 100 miles of your mailing address (If we own or operate the merchant, or of we malted you the advertisement for the goods or services, all purchases are covered regardless of the amount or location or purchase.) Payments. Payments. Send only yyoaur payment and the top portion of this statement in the envelope provided. Do not send cash. sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account t the financiat institution indicated on your check or to process the payment as a check transaction. ifpayme nt is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your ch emta?kke an slacb aic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will Pat roe" your check back from your financial institution. The processing of your payment may be delayed it you send cash, correspondence or other Items with your AI meet, if you send the. payment to any other address or if you use an envelope other than the one provided. Payments receives on or after 1 PM Monday through Friday or on a DiscoverdBank, PO Bo x15Yy will, Wilmi posted n(o n,oDE 191 Be-5251 asPleaaof th , allow 7.10 days ivy delivery have ya ennttuis etum unpaid, we rreeseeyment t" the right to resubmit it as an electronic de t. You can pay your 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 that sufficient funds are available in your bank account, and all tranaactims; must comply with u.S 3aw: You will be asked to provide the first 5 digits of your account statement zip code. By antarkno ire nurttt ers as your electronic signature, you will be agreeinp to this authorization to allow us and your bank to deduct each payment autfiotize, in the amour ul sted by you from your bank account In order ?o cancel a payment we must receive notice at least Utree da s in advance of the scheduled payment. Ybu 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 of your Account !e cred r?pw0nig aganctes each month. If you believe that our report Is inaccurate or incomplete, please write us at the % adtlr1fru Discmrer Me[eit a Card, AT Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Ac rut 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 entire Now Balance by making ppaayments or receiving croft however, we will pnevide the t lowly 'Grate If you paid the New Balance on your previous Dilteug staternaft by the Payment MA Dale shown on that statement, and you ay Iho New 8 nceyby the Payment Due Date on this statement, we will not On" Periodic nFl ante Ch s on nel purchases, that is, uremaii first ?e an this statement Otherwise, you will receive a bitting statement next month that it Periodic Finance Charges on Bose new purchh it is no grace period on balance transfers or cash advances. We sort your transactions into ggr_oups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. -For example purchases subloct to a promotional rate and purchases subject to a etandird rate would be separate and Peri grou psWe refer to these groups as Uansacibn bs t file end ad each DiSing penal we compuu balances odic Finance Chargpeess for each day of the bil8nnpp perod Tor each transaction y., vVe,t?sa the fo??owing,pepgyuabioti to c Periodic Finaace Crier fro each trtnsagiom category. Avers DoNy Balance x number of in peruse x Daly Peroedic Rata. (See ha finance charms sumr?rry?son your slaberrcenl tar these amounts.. Then we add up the Parodic inance her fof each Uansactbn. cataWrlr to t finance IChar le Foltanco CDar??pps toI your AcccunL The verage Daily Balance Is shown as zero H, because of the grace ptrrod, no Per' ges apply to the Kalance ni 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 aheti9n out the bd8ng statement you received during the previous blllktg pifW by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purchases that first appeared on that bdbng statement as well as new purchases that first appear on the current billing statement, unless we already imposed Periodic Finance them" on the purchases on your previous billing statement We compute the Averole Daly Balance for each transaction cateporYY D adding up all the daily balances in a bitting period to a Uans+ction category and dividing9 the total number of daYS in the bi6tng o:ycts. MVe rMnpsdta tine defy balance for each Uansa?oon rY on each day oY us adding the Tell" to previous day s stably Defence: UmSactbns made brta! day, teas charggeedd that day and reri0gic nCs s accrued on the previous day s dalalance; and by then wbtraclinngg any credits and payments that are applied a4ainst rho balance of tiie Uari?tan category on that day. In calculaMe daily balance for the praidcos Dilhng perbtl, via consider the " evlous day s daiM balance" to have been ze•o on the first day of the tilting! riod. If a Uansactiat is ppried W r Acrwunt after the clom of the bilkngtperiod in onion it occurs, we will treat the rst day o lDe bbl9ng iod ifl +rich it is prated to your Accoun lransacfiort as having curred on the fi f AI! fees charged to your Account are added to the standard purchase transaction categ0 with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction cafe w aad Transfer iansacdion Fee Fkaence Charges which ar he applicable balance transfer transaction category. When the sparxa ra is ex S we move the unpaid balance of the balance transfer are add C ad to and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction ca However, If the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and thlance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-900-347-7449. Thn nr< mprdh MnrosM Care is isceed by Discover Bank. Member FDIC. aravw.:n.,? V 16.1% CARD 06 SDSN6A010002369 SPEAKMAN, ROBERT 3141 E MEADOW DR MECHANICSBURG PA I',- I-- y1..uu L111bl -11vvIII cllwvwu aelow ` Payment Due Date $ April 5, 2006 Please make check pa able to Discover Platinum Card or pay online Discovercard.com. B Make payments on your schedule, in advance or on the same day as your due date. Visit Discoveroard.com/payments 17055-5168 to make an online payment today. PO BOX 15251 111rr1{11rr{11r111111r11r11 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. 000006011002798373221048138800000000009700 Discover Platinum Card Account Summary Closing Date: March 6, 2006 page 1 of 2 Account number ending in 3221 Payment Due Date April 5, 2006 Minimum Payment Due $97.00 Credit Limit $5,000.00 Credit Available $186.00 Cash Credit Limit $2,500.00 Cash Credit Available $186.00 Previous Balance $4,962.83 Payments And Credits 200.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 51.05 New Balance = $4,813.88 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback 8onusO Anniversary .avoitable to Redeem. $ 0..00 Date: July 6 Cashback Bonus(R) is America's ##1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to I% Cashback Bonus on all your other purchases. How Can We Hel You? For Account Inquiries, write to us at: p Discover More Card, PO Box 30943 Please have our Discover Card available. Y Sall Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800-347.2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 22 Feb 22 INTERNET PAYMENT - THANK YOU $ .100.00 Mar 5 Mar 5 INTERNET PAYMENT -THANK YOU •100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.03696%; corresponding ANNUAL PERCENTAGE RATE: 13.49%. Rate is subject to the terms of the offer including expiration. Starting March 25 visit Discovercard.com or call 1-800-DISCOVER (1.800.347-2683) to sign up for our next Get More --fl- to na! -1- R.,..-im ......... ....a .alert ..,.t.......,.t..._ -.-.L - I__....__. W._ n_- n _..- 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 Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. U) 0 Lost or stolen cords. Report immediately. Call 1400-347-2883. 0 z Biking Rights St mmerlr. In Case of Errors or Ouestions About Your Bill: If you think your bill is wrgn or if You need more information about a o transaction on your bill, write us on a separate sheet of paper at Discover MoreaM P0. Box 15192; vYi n, ?E 19550-5192, as Soon as possiWa, We must hear from you no later than 60 days after we sent you the first bill on which the error or pr appeared. You can telephone us, tint $ 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. rn *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 You o not have to pay any amount in question while we are investigating, but you are still obligated to pay the ppaarts of your bill that are not in V question. While we investigate your question, we cannot report you as de"tient or take any action to collect the ar(wtlnt you question. Special Rude for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and yot. have tried in good faith to correct the problem with the merchant you s not have to ply the remaining amount due on the ggggs or services. You have this protection onlIyy when Me purchase price was more than and the purelh ae was made in your hare state or wRfdrt 100 miles of your mailing address (If we oviri or operate the metchan( or if we mailed you the advertisement for the goods or services, all purchases are covered regardless 6f the amount or location of purchase.) Payments. Send only your payment and the tap portion of this statement in the envekrpa prevailed Do not sand cash. 8v sandin your check . as described above, you 3ulhoriie us to use information on your check to make an eteeUtrttic fudd Uarueer from yaw account it the fiAncut insutuhan indicated on your check or to process the payment as a check transaction. U pa t is processed as an elecUpnic fund transfer, the transfer will be for the amount of the check. When we ule information frarr your check to mike an electronic fund transfer funds may be withdrawn from your account as soon as the same day we receive r nt., and ybu will not receive your check back (rem rfiiAltncraI Institution The processing of your payment may De you send assn, curt pat ' dance or other "M if you sand the payment to any other address or if you. use an envelope o er than the one provided. Payments received on at after I P??t Maiday through Friday of on a weekend or bank holiday will be posted to your Account as of The next business day. If you have misplaced yow envelope, sem your rent to Discover Bank, PO Box 15251 Wilmington, DE 19888.5251. Please allow 7-10 days for detivery. If your payment is returned unpaid, we receive the right to resubunit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone. Call us at 1.600.347-2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must comp comply with U.S. law You will be asked to provide the first 5 digits of your account statement tip code. By enterir? Mise numbers as you( electronic signature, you wilt be aagreeing to this authorization to allow us and your bank to deduct. each t ativjze, let the amount requasied by from 1lmur bank accoun In ceder to cancel a payment we must receive notice at I?st lnree da s in advance of the schedutad payment Yoir may nrrlNy 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 yyoour account to credit bureaus LaUe paymen4l, missed pa monk, or other, defaults on your account ma to re0ectetl m your credd report We nbrmg?atIN?report the sUiWs and p_a?, his ofyour ?t?uTM to credit r month. If u petkve that our report is inaccurate or inrrohlp?tUd, please while w rsitfie'fe? addratr Otseover more,+ Ce P?Is 6 Wilmington DE 19850.5318. Please include your name, address, home tetephale number and Account number Perlodic Finance Ches. 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 repeyrWt and on Oro s until the?rytl9e of ?i9 r nt Ow Balances are comprised of either purchases and cash advances made on or prior to the lost day of your period a dur ebrua 1993 or Reseive Line balances. You can avoid payment of Periodic Finance Chars on new purchases if you pay the Now "ace shown on the Willing statement on which the purchase first appears by the Payment Due Date, 814 the Payments and Ge??d?1hs on that statement eglifit Qf exceed your Previous Balance. We call this the "grace period". You do not have a grace hied o h ..- balance Mara_or cash advances. Penodre Finance Charges are imposed on new adv°-?° .----- ?. __-.:. balance transfers and cash a Periodic Finance Charges are New Balance. However if you on this statement educe) or exi we on each day by Charges acerue+ transaction cats have been 0 on Old Balances tlalance shown on this tioning slatomatt . the fayritatit Due Date, and the P menus ar vious Balance we mil not i ponePeriod Finance Charges on new pusc that ii rat was closed as of Sagember 271999, you can plim"A of t?riodic ni ?e hce Ch te yy ffM i sah dal Avibi lance x number ofd in the ling period x Daily enodic Rata. (Rot nenl f6r thes amounls.l Tlu.n we adau the f ^riod c finance Charges la each franca your Acceunl The Average Daily Balance is shown as 0 d no Pentxlic Finance Char balance (including new transactions) method of calculating the balance u which we fodpaic FimnCew enirnce shown wonp uttrhte ppWMg sta4l±nentyooeu nraenred d'na"I he previous atement. unless we alreadv im0rtsodchPer?lodi7caFinanceppppCnaraees on thet ours istatement. u we or that become purchase rate balance transfers on that day and we add that unpaid balance to the balance All fees charged to your Account are added to the purchase transaction calo?rY with the exceplpr Charges which are added to the cash advance transaction category and Balance r nsfer 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 Periodic Finance Charges. For TOO (Telecommunications Device for the Deaf) assistance, please calf 1-800-347-7449. in a each to as transaction er to the finance Gunn categc:yto ges apply to the impose Perodic m as by as w as new r previous billin ing period for appm, against the balance of the the previous day's daily balance" to •ial rate balance transfers and Balance lance transfers that were supp*?t to an t credit limit are also inchdod in the dance transfer transaction category on Finance Charges and balance transfers purchase transaction category 20 Advance Transaction Fee Finance lance Charges wftTCh are added to the statement. we consider the transaction ILJr1?L. _ V L. 1% CARD V W%.W Y CI% Real answers from real people. When you have 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 Ilion a minute. It's just one of the ways we put you first. Call us at 1.800-DISCOVER (1-800-347-2683). 02007 Discover Bank. Member FDIC; Closing Date: March 6, 2006 page 2 of 2 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 $183.77 0.03696% 13.49% V 13.49% $1.91 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4750.22 0.03696% 13.49% V 13.49% $49.14 $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.coln - ,.,.n 1_flfln-nicrn\/cD (i ann 4.177/,Q'1t CARD 06 S0SN6A01 0002370 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA v+,..,,,•..., i If I sr.vv t cmer mmoum cnaosea oeiow Payment Due Date $ May 5, 2006 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $97.00. B Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/payments 17055-5168 to make an online payment today. PO BOX 15251 111111111 lrl{rrr,II fill If 11 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. 000006011002798373221049300800000000019400 Discover Platinum Card Account Summary Closing Date: April 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,813.88 Payment Due Dais May 5, 2006 Payments And Credits 0.00 Minimum Payment Due $194.00 Purchases + 39.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $69.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Charges + 77.20 Cash Credit Available $69.00 New Balance = $4,930.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Coshbock Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus® Anniversary -- - - - - . .Available to Redeem ..... $ 0,04 . Date: July 6 How Can We Help You? for Account Inquiries, write to us at. Please have your Discover Card available. Discover More Card, PO Box 309,43 Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dabs Other/Miscellaneous Apr 6 Apr 6 LATE FEE $ 39.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rote: 0.05134%; corresponding ANNUAL PERCENTAGE RATE: 18.74%. Rate is subject to the terms of the offer including expiration. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION *******Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 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 $186.19 0.05134% 18.74% V 1874% $2.97 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4664.94 0.05134% 18.74% V 18.74% $74.23 $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, see the back of each page for additional important information. See your Ca?dmember Agreement. Your Cardmember Agreement contains all the terms of your Account U) Lost or stolen cards. Report immediately. Call 1400-347-2883. Z m Billing Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill is wr of if you need more information about a o transaction on your bill, write us on a separate shoat of paper at Discover Mofesw ; P.O. Box 15192; Vfdff* Vilon, DE 19859-5192, as seat as possible, We must hear from you no later than 60 days. aft we sent you the first bill on which the error or problem appeared. You can telephone us, but F doing so will not preserve your rights In your etter, give us the following information: .Your name and Account number. .The dollar amount of the suspected error. o .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 question while we are investigating, but you are still obligated to pay the parts of your bill that are not in J question. While we investigate your question, we cannot report you as delinquent or take any action to cadaetthe amount you question. Special Rude 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 WNh the merchant, you trayy not have to pay the remaining amount due at thega o is or services. You Rave this protection only when the purchase price was more than S50 and Iha purchase was made in your home slate 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 sanrices, all purchases are covered regardless of the amount or location of purchase.) cPhaeycment . Payments. ove d only Your, payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check indicated above, you au atze us to use ifdormaUat on your check to make an electronic fund transfer from your account it the financial your check or to process the payment as a check transaction. K pa nt. is processed as an electfonic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an aieOronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will riot receive your check back from your financial institution. The procesen of your payment may be delayed if. you send cash, correspondence or other items with your aYment, if you send the payment to any other addres? or of you use an envelope potheef then the one provided. Pa nts received of or after 1 ?t4 Monday three Friday or on a Di caaror BankaPO Box 1} 5251, be posted totlrt?DE 19888-525 Ple se al?t7-1Lfog de you ho If yourrppayymmentris re enw uurineeda unpaid we reserve payment to right to resubmit it as an electronic debit You can pay yyoour minimum payment or a greater amount over the telephone. Call us at 1.600.347.2683. You will need this statement and your bank account in( brmation. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with US law. You will be asked to provide the first 5 digits of your account statement zip code. By ent+eiuutpD than numbers as your skcUOnlc iugrtature, you wilt be a veins to this authorization to allow us and your bank to deduct sach. t you au4attxUte, is the aodaurlR nigtneuded by & r bank aFlounC In order to cancel a payment we must receive notice at lead days in advance of the scheduled payment You may nx us by phone at 1-800.347.2663 or by mail at address listed in the previous paragraph. Credit Reporting. We may report information about your account to credit bureaus Late merits, missed pe menns, or other defaults on your account may be reflected in your credit report. We normally report the stabs and payment h m ofyou r Accotinrm credit raoaUnn 188ncies each month. It you believe )Rat our report is inaccurate or incornplete. please wrb us at the falenvlng addrese Discover Moro sr 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 date the transaction is posted to your Account until the dale you ppaayy your critic Now Balance by makingQ ppaayments OF ??eiving credits. However we will prov the f ace period" If you paid the New Bafahce on your previous d 9 Iataunbnt t Ufa Pawrttent tits Dole shown eR Ertel C"rhent? 0 youapay, trio"Nines Ba#nce by the Payment Due Date on this statement, we, will not impose Perledic fiance p?a on new purtY that Is, purchases firstearlin on this statement Otherwise, you will receive a billing statement next month that inctutles Perledre Fnance criarges on chose new purchases.ThBre is no grace period on balance transfers or cash advances. We sort your transactions into Qroups of pu?rchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate for esemple purchases suit to a promotional rate and purchases sub*t to a shooed rats would be aapafale groups We refer to these groups as UansacUon ea ss At the enof each Mating parted we comlwte hatences and Poriodic finance Charges (or each day of the "Da" parted fa each transaction ca We use the follew lion t0 co Pula Periodic finance Charges Sa each Uansaetl0n at AversD?Darr Balance x number of days in the p? n tied x PRa[a (S the finance cR tae sumfnary on }rout statement lot thesb amounls.t Then we add up the Perrodie Fimnee Gtor each tfaMtction catatrorv to gat the total Reriotlic Finance CRargas fur your Account The average Dairy Balance is shown as zero d, ause of the grace period, rile r k Finance Charges apply fo the txilance see a transaction category . We use the two-cycle average dairy 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 bBhnngQ period by the Payment Due Date shown on that statement, we will impo? Periodic Finance Charges on now purcnases that first appeared on fiat baling staterent, as well as new purchases that first appear on the current billing statement, unless we steed} imposed Periodic Finance psi your previous billing statement gee on the Purchases on We compute the Avers a Daly Balance fa each transaction categoryy by adding up all the dairy balances in a billing period for a transaction sate?ry and div)din0 the total the number of daYS in the biBMtg le. We e?mpute the dairy Wgnce for each tie lion. catev on each day by Tirsl adding the Tolbwln to Ra pr evious evrots days daffy balanctz Uuitiona made tRat WYy, fees )Rat aedilodic Fin3rtce CRarr?? accrued on the pd days ?ai1ryy baance; and by than sublactt any credNs and paytnefits Use are led Uao bNance of the traei?ctWn category on that day. In calcu4 a the tlaiy balance for the?ous bNling padod, we consider the " s? Witance" to Rave been zero on the first day of the bliling period. If a Iran sactbrt is to r Actrodtnt alter the close of bdNna eriad wnicR it ocdufs, we will treat the Iran sac 'on as having occurred on the first day of he billing cried in whit h it is posted to your AccattTt All fees chard to your Account are added to the standard purchase transaction cat with the exception of Cash AdVance Transaction Fee Finance Charts which are added to the applicable cash advance trarisarglim category arrd Balance Transfer'Tranaachon Fee inance Charges which are added to e applicable balance transfer transaction csteporv When the s 1e pocie ra expk we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase U category. HOwavor, it lire spacial rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance tran er and the Balance Transfer Transaction fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDO (Telecommunkations Device for the Deaf) assistance, please call 1-800-347-7449. The. niscover® MoresM Card is issued by Discover Bank, Member FDIC, tl?ll?l..rw'JV L;M CARD 06 SDSN6A01 0002371 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA V Y,V VJ.VV V7 J.VV Payment Due Date June 5, 2006 17055-5168 LIIIOI nI11V VIII 111?.IV iOV VOIV rY sF Please make check pa ble to Discover Platinum Card or pay online 0 Discovercard.com. Make payments on your schedule, in advance or on the same day as your due date. Visit Discoveroard.com/payments to make an online payment today. PO BOX 15251 111 11111 11111 111 oil I 1111111 WILMINGTON DE 19886-5Z51 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. 000006011002798373221048050800000000009500 Discover Platinum Card Account Summary Closing Date: May 6, 2006 page 1 of 2 Account number ending in 3221 Payment Due Date June 5, 2006 Minimum Payment Due $95.00 Credit limit $5,000.00 Credit Available $194.00 Cash Credit Limit $2,500.00 Cash Credit Available $194.00 Previous Balance $4,930.08 Payments And Credits 200.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 75.00 New Balance = $4,805.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus® Anniversary - - _Avoiloblw to RQdeem $ -9,00- Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular catsgories throughout the year and up to I% Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at; Please have our Discover Card available. Discover More Card, PO Box 30943 Y Sall Lake "ay, UT 84130 Manage your account online at Discovercard.cbm TDD (Tsleliiiiipmunications Device for the Deaf): Customer Service: 1.800-DISCOVER (1.800-347-2683) For assistwoe, see reverse side. Transactions $0 fraud Liability Guarantee Use y,t,r Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr 10 Apr 10 INTERNET PAYME4 -THANK YOU $ -100.00 May 5 May 5 INTERNET PAYMENT -THANK YOU -100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04655%; corresponding ANNUAL PERCENTAGE RATE: 16.99%. Rate is subject to the terms of the offer including expiration. Important Information. If there is more than one page to this billing statement, see the back of each page for AdMI100e1 important iftleir Atkin See year Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. CD Lost or stolen cards. Report immediately! Call 1-800-347-2683. Zz Billing Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a c transaction on our bill, write us on a separate shad of paper at Discover Moresm ; P.O. Box 15102; Wilmington, E 19050-5192, as soot as Posiiible. 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 tekiphorie us, but doing so will not preserve your rights. In your letter, give us the following information: c? 0Your name and Account number. *The dollar amount of the suspected error. eDescribe the error and explain, it 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 obliigpated 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 getibblti to collect the amount you question. Role for CreuSt Cusrd Ptarolwes: If yyoou have a problem with the quality of goods or services that you purchased with a credit card, and you.have tiled in good faith to correct the pprroblem wth the merchant you may not have to the rthui ing amount due on the pia or Steel services. You have this protection only when the purchase price was more titan ;50 and the pure was mode in your horns slate or within 100 miles of your mailing address. (It we own or operate the merchant or it we mailed you me adverlkement to the goods or services, all purchases are covered regardless of the amount or location of purchau.) Payments. Payments. Send only your payment and the to portion of this statement in the envelope provided Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an e%etrordc fund transfer from your account at the financial institution indicated on your check or to prbeen the payment as a check transaction. if payment is processed 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 eitclrome fund transfer, (funds may be withdrawn from your account as soon as the same day we receive your payment, and you wilt not =11M your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your aymt?nt,. if you.send the payment to any other address or if you use an envelope other than the one provided. Payments received on or after 1 ?M Monday through Friday or on a weekend or bank holiday will be posted to your Account as of the next business day. If you have misplaced your envelope, send your payment to Discover Bank, PO Box 15251, Wilmington DE 19686.5251. Please allow 7-10 days fa delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone. Call us at 1-600-347-2663. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account and aft transactions must own* with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering those numbeis as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pay?om you authorize, in the amwunl r sted byyov, from Your bank account In order to cancel a payment we must receive notice at least CC days rn advance of the scheduled, iymenl You may nrkify us by phone at 1-800.347-2683 or by mah at address listed in the previous paragraph. Credit RenoftYro We meYy report information about Your account to credit bureaus. Late IIA missed payments, or other defaults on your account ay be_reflected In your credit report We normally repel the stows sift! psiyment of yair to credit ling anencies each month. If you believe that our report rs inaccurate a bnr:omptete, please wire ut at the toll ow addrelstcMorelcu d, PCI` Box 15316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number PERIODIC FINANCE CHARGES. Periodic until the date you pay your entireur rev You paid the New Balance on the Pavment Due Date on this slatemen grace period on We sort your transactions into groups of their Annual Percentage Rate. For exan groups. We refer to these groups as 11111 each day of the billing period for each t category. Avera Daily Balance x numb these amounts. Then we add up the Account The verage Dairy Balance is transaction category are imposed on all transactions from the date the transaction is posted to your Account g is or receiving pedKs however, we will provide the t race rod." If en pa it Oue Date anown on that statement am YOU ?i Ina lkw Irisnee by Periodic once CharpDS on raw p?rch8 that is, rahases frrsl appip on this next month that kmWdef Periodic Finance Qiawl on Ntoso new pureS. l Rare is no cash advances, and ices subleet to a m as zero if, because of the grace we within mar on our statement for FilariseyCharges for your apply to the balance in a We use the two-cycle average daily balance (ineludino now 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 bimn abatement you received curing the previous bwinp pe by the Payment Due Date shown on that statement, we will impose Periodic Finance Ch i;$ on new purchases teat Firs; appearod on that DllKr?4 ?tement, 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 bulling statement We compute the Average Daily Balance for each transaction categoy4rryy by adding up all the dairy Daiances in a Donn perrob nor a iransacixxr car i and dividing the total by the number of days in the billing cycle. e compute the daily balance for each transactiori o n ly on each day by ifs adding the following to the previous day's daily balance: transactions made that day, fees charged that day and PericxHc FFM_arco Charges accrued on the previous day's dally balance; and Dy then subtracting any credits and payments, that are applied a list the balance of the transaction category on that day. In calculating the daily balance for the prevails bi9irtg period, we co, &W the " revious Sys dairy balance to have been zero on the first da of the billing period. If a transaction is poked, to your Account after the close of the bllNnp Period in which it occurs, we witt treat the transaction as having occurred on the first day of sthe billing period In which it is pasted to your Aecou L All fees charged to your Account are added to the standard purchase transaction category with the exception of trash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Char s which are added to the applicable balance transfer transaction category. When the special rate expires we move she unpaid ballince of the balanrye transfer and the Balance Transfer Transaction Fee Finance Chargeso the standard purchase transaction category. "" r, 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 (Telecommunications Device for the Beef) assistance, please call 1-600-347-7449. The Discover® Moresm Card is issued by Discover Rank member Fnir ILI G?r.o r V L.IX i ulat-W V CK ----.._.......__.__. CARD Real answers from real people. When you have a question or concern about your Discover' Card account, we're here. 24 hours a day, 7 days a week. Arid 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 o minute. It's just one of the ways we put you first. Call us at 1-800-DISCOVER (1-800-347.2683). (9)2007 Discover Bank, Member FDIC Closing Date: May 6, 2006 page 2 of 2 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 $228.42 0.05134% 18.74% V 18.74% $3.52 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4641.25 0.05134% 18.74% V 18.74% $71.48 $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 - --II I-anf%-nicre%%icn 17 Onn 0 A7 `14001 CARD Payment Due Date July 5, 2006 06 SDSN6A010002372 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 Hill till loll 1111111 1111 till pp WILMINGTON DE 19886-5251 Address, e-mail or , or go to telephrcarone Print Print your a-mail a ddre s to lll`111`1"11till l`I"11111`11"11111 `11111 11 `I`I IIIIIII`IIII above receive important Account information and special offers. 000006011002798373221047827500000000009500 Discover Platinum Card Account Summary Closing Date: June 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,805.08 Payment Due Date July 5, 2006 Payments And Credits 100.00 Minimum Payment Due $95.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $217.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 77.67 Cash Credit Available $217.00 New Balance = $4,78275 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Coshback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus(& -Anniversary - -Available to Redeem. $ .... -..0..00- Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to I % Cashback Bonus on all your other purchases. How Can We Help You? have our Discover Card available. y For Account Inquiries, write to us at: More Card, Box 30943 Discover Salt Lake City, UT 8d13 30 Manage your account online at Discovercard.com Customer Service: 1-800-DISCOVER (1.800-347-2683) TDD (Telecommunications Device for the Deaf): For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 30 May 30 INTERNET PAYMENT - THANK YOU $ -100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04655%; corresponding ANNUAL PERCENTAGE RATE: 16.99%. Rate is subject to the terms of the offer including expiration. 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 $232.05 0.05203% 18.99% V 18.99% $3.73 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $4584.86 0.05203% 18.99% V 18.99% $7394 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Get set for fall. Get 59o Cashback Bonus(R). Use your Card July to September at Gap, Kohl's, Marshalls(R), T.1.Maxx(R), C-..._... [.._?....... TAA n_II TAA nU;__A4..../01 C,....I.-. 1:--- . I- Tl,:-.....IDI D;_. 1 --A ..- ,..:?:..-. Important information. If there is more than one page to this billing statement, see the back of each page for additional impoAant intcrtr non See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account rn U) Lost or stolen cards. Report immediately! Call 1-800-347-2683. z Blflbl Rights Stalin ary. In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or U you need more information about a b transaction on your bill, write us on a separate sheet of paper at Discover MoresM ; P.O. Box 15192; Wilrfiingtort, DE 19558.5192, as wort 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 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 invesUgating, but you are still obligated to pay the parts of your bib that are not in question. While we investigate your question, we cannot report you as delinquent or take any actidn to c00e0 the amount you quedion. Special Rute 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, Ian may not hove 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 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. Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use iiftmafton on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If nt is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your c pa to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you win not receive your check back from your financial institution. The processing of your payment may be delayed 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 other than the one provided. Payments received on or after 1 PM Monday through Friday at on a weekend or bank holiday will be posted to ur Account as of the next business day. N you hive rtu"ced your envelope, send your "payment to Discover Bank, PO Box 15251, WiNriin ton, DE 19885-5251. Please allow 7-10 days for delivery. if your paymaht is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your 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 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 tip code. By entering those numbers as your electronic sivature, you will be agreeing to this authorization to allow us and your bank to deduct each yment auifiOtize, in the tiwlini requested by you, from YRvr bank account In order to cancel a payment we must receive notice at least ree des s in advance of the so aR W+kd payment Ybu may n td try us by phone at 1-800.347.2683 or by mail at address fisted in the previous paragraph. Credit Reporting. We may report information about your account to credit bureaus. Late cats, missed pa ts, or other defaults on your account may be reflected in your credit report We normally report the status and payment X. yqur r t to credit reriorlrrag agtatcles each month. If you beliew that our report is inaccurate or incomplete, please write us at the fs addresses Discover Moresw Card, Pl7 am 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 entire New Balance, by making _ymecats of recoiving credits. However, we will provide the foikrrr. "grata period," N yyoou paid the New Balance on your previous billing sla>etst Dy the P t Due Rate shown on that stalemank and =die CW fine by the Payment Due Date on this statement, we will not impose Periodic ?noe Chars on new purchases, that Is, pur119, es rest r on this statement. Otherwise, you will receive a billing statement next month that included Periodic Finance Charges on those now put. _Lftro is no grace period on balance transfers or cash advances We sort your transactions into ggr?oups of purchases, cash advances, and their Annual Percentage Rate. or example , purchases subiect to a pr groups. We refer to these growps as transacirort ies. let the end ! each day of the biliin0 perrotl for each transaction We use the category. Avers0e DaTi y Baance x number os days in the long Period these amounts.f Then we add up the Periodic Finance Char s for e Account The Average Daily Balance is shown as zero if, because of transaction category and then further sort the i ourchases sublacl to a we al Periodic Finance Charges for your Charges apply to the balance in a for 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 it you id not pay the New Balance shown on the billing statement you received during the previous 1 period by the Payment Due Dale shown on that statement, we will Impose. Periodic Finance Charges on new purchases that fir appeared on that WV statement, as well as new purchases that first appear on the current bl tg statement, unless we already Bnposed Periodic Finance Charges on the purchases on your previous billing statement We compuill the A" al Daily Balance for each transaction categoryy by adding up all the dairy balances in a b01in period for a transaction category and dividinthe total spy the number of desys in the balkrO aycla Vyt compute the daffy balance (or each tr eplry on each day ?y first ading the lewitthvious day s da"ry balancthprvlouays tlairy ba pr lance; and by then subtraclin9 any credits ar?d payments that are it ledttrt the rata ct vie tot coon caleguiy on that desy. In calculating Me daft' balance for the prevlouc DilNng period we consider Ute " vious days hr tialance" to stave been zero on the first tloy of the biting perIf a lranssction is posted to your Account after the cleae of a biking period fn which !t occurs we wi0 neat the d f a billing Period in which it is posted to your Account transaction as having occurred on line first day o All tees charged to your Account are added to the standard purchase transaction catego with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction cat* and nce Transfer Tranuclttn Fee Finance Charges which are added to-the applicable balance transfer transaction category. When the special isle a res, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, 9 the special rate Us 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 (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449. The Discovere MoreeM Card is issued by Discover Bank Member FDIC. CARD 06 SDSN6A01 0002373 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 i .7 Y4.uu I tnter Amount tnclosed t5stow Payment Due Date $ ( - August 5, 2006 Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. Make payments on your schedule, in advance or on the same day as your due date. Visit Discovercard.com/payments to make an online payment today. PO BOX 15251 III If 1111111111111111111111 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space 1111((I1111I II IIIII?I 11111111LIII111111111111d 111111111 II 11' above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221047588600000000009400 Discover Platinum Card Account Summary Closing Date; July 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,782.75 Payment Due Date August 5, 2006 Payments And Credits 100.00 Minimum Payment Due $94.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $241.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 76.11 Cash Credit Available $241.00 New Balance = $4,758.86 You may be able to avoid Periodic Finance Charges, see the reverse side for details. 'Cashback Bonus' Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus® Anniversary Available to Redeem .... $ 0.00. Date: July 6 Cashback BonuslR) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at: Please have our Discover Card available. Y Discover More Card, Box 30943 Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf}: Customer Service: 1.800-DISCOVER (1.800.347-2683) For assistance, see reverse side. Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jul 5 Jul 5 INTERNET PAYMENT . THANK YOU $ .100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. '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 $4812.82 0.05271% 19.24% V 19.24% $76.11 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (VI as noted above. Sign up now and get 5% Cashback Bonus(R) with the Get More program when you use your Discover(R) Card to buy fall -__.;_1. V:.:. M____ -..-I --- ... -..11 i onn NlCr e-l%/CO 11 onn 1.47 n40 O. 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 Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account rn 0 Lost or stolen cards. Report immediately) Call 1-800-347.2888. Cn 0 BWNtg Rights Suunmary. In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if n(?eed more information street a o transaction on your bill, write us on a separate shoat of paper at Discover More ssr ; P0. Box 15192; tM1dbnillgWrn, I11p50-6192, as soon as possible We must hear from you no later than 60 ", after we sent you the first bill on which the error or probem appeared You can telephone us, but doing so will not preserve your rights. In your etter, 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 obi to pay the parts of your bill that are riot in question. While we investigate your question, we cannot report you as delinquent or take any actiah o?coli et the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or sorviCes that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant you Y not have Uf pay the remaining amount due on the goods or services You have this protection only when the purchase price was more VU 50 and the purcf i a was made in your hone state or wolf) 100 miles of your mailing address. (if we own or oparate 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. Payments Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending9 Your check as described above, you authorize us to use Information on your check to make an stectrenle fund transfer from your amount M the firlarkial institution indicated on your check or to process the payment as a check transaction. If payment is processed 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not recel a your check back from your financial institution. The.processing of your payment may be data 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 er than the one provided. Payments received on or slier 1 PM MonrWy through Friday or on a weekend or bank holiday will be posted to your Account as of the next business day. It you have misplaced your en 110- , send your payment to Discover Bank, PO Box 15251 Wilminnggton, DE 19888.5251. Please allow 7.10 days for delivery it your payment is returned unpaid, we reserve the right to resubmit it as an oledronic debit You can pay your 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 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 enro those numbers as your electronkc signature, you *0 be agreeing to this authorization to allow us and your bank to deduct each payment you autltsrrie, in the amount rested by from r bank account In order to cancel a payment we must receive notice at least there 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 repot the status and payment of your Aecq?t to credit reporting amities each month. If you beleve that our report is inaccurate or incomplete please write us at t? ?rasr Rover Moresm Card, PcI Box 15316, Wilmington DE 19860.5316. Please include your name, address, home telephone number and nl 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 entire New Balance, by male nu or receiving Credits. FW44M we will provide the f Naming ace rood.,, If You paid the New rice on your previous bi g in n by the p Data shown on 6ntnt slat I, and I paY Ise' U-00 Mnee by Tne Payment Due Date on this statement we wt not impose Periodicmince Chins on new purchases. that K gure ses first A Now arise on th s statement. Otherwise, you will receive a billing statement next month that includef Periodic Finance Charges on those new pwc fusses Th3re k no grace period on balance transfers or cash advances. We sort your transactions into Qroups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by entage Rate, 'for example purcMSes,sub*t to a promotional rate and purchases subject to a sianeard rate would be separate their Annual Per-66 groups. We refer se groins as vansaclbn e s At the end of each biting periixf, we eontputc balances anti Periodic Finance Charges fm each day of the billingp period or each transaction Ca We use the t puation !o k Periixtic Finance Charges far each Varutacliori category. Average Dar Ty Balance pnumber of days in period xtodc Rate (Sec nonce charge summary on your statement for these amounted Then we add u Ne Periodic Finance Char for eac transaction cats to L the total Periodic Finance Charges fa your Account The ",age Dairy Balance Is shown as zmo if, because of the ghee period, no r rc Finance Charges appry to the balance ,n 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 rf you did not pay the Now Baance shown on the b" statement you received dui the previous bi8tng period by the as met Due Date Datershon on t that statement we will impose Periodic Finance Charges on now purchases that 1411 appeared on that biaug statement well as ne your previous billing statement first appear on the current biding statement, unless we already imposed Periodic finance Charges on the purchases on We compute the Avera Daily Balance for each transaction category by adding up all the daily baiancea in a lwtgngg period for a lransaetien catty and, tlividtna the total the number of days in the billing cycle. a compute the idly balance fm each Ua iron oh each day Dy lust adding [he 7odowing to l ious day s aily bapddaince; aby on t hato cula daily balancfor first daof ay thlling rlotl. d a transaction isp? tot ACC?rnl attar ttte i base ofbNldtg per9?{ whleh it occurs we wdt treat the Uansac[iaf as h'avi?ig occurred on the first day of fhi' 4>dting cried in which it is ported 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 whu:h are added to the applicable cash advance trance cat, and Balance Transfer Transaction Fee Fktanca Charges which are added to the amicable balance transfer transact brr iiooggoorryy tAdieri Gle special dale expires we move the yrtpai?,d? balance of the Datarice transfer and the Balance Transfer Transaction Fee Finance Chair"OuMhe standard purchase trAntacl)on calitgory. Fles der, it the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the lance Tranrter Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TOD (Telecom?nunlcatlons Device for the Deaf) assistance, please call 1-800-947.7449. The nisenvardb MnreaM Card is issued by Diener Rank Member FDIC I %F NO V1.01 V a- I CARD 06 SDSN6A010002374 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA Payment Due Date _ $ September 5, 2006 Please make check payable to Discover Platinum s Card or pay online Q Discovercard.com. B Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.com/payments 17055-5168 to make an online payment today. PO BOX 15251 Illrrrllrrrllrr,rllrrr(rr11 WILMINGTON DE 19886-5251 Address, e-mail or telephone change6 Print change in space ?rrr???r?,r?rr?r?rr?rrl?rrr?r?rrr?r?r?r?rrrr??r?r?rrrr???r?rr? above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221047371400000000009400 Discover Platinum Card Account Summary Closing Date: August 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,758.86 Payment Due Date September 5, 2006 Payments And Credits 100.00 Minimum Payment Due $94.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $262.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 78.28 Cash Credit Available $262.00 New Balance = $4,737.14 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback Bonus8-Anniversary _ .Avoilable to Redeem Date: July 6 Cashback Bonus(R) is America's #11 Cash Rewards ProgramI Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. You? How Can We Hel For Account Inquiries, write to us at: p have our Discover Card available. y Card, PO Box 30943 Discover More Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1.800-DISCOVER (1.800.347.2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 5 Aug 5 INTERNET PAYMENT - THANK YOU $ -100.00 information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Wonces Rotes RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4790.23 0.05271% 19.24% V 19.24% $78.28 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $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, see the back of each page for additional important lnfesttaatWn See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. o U) Lost or stolen cards. Report immediately! Call 1-800-947-2689. Z Bt6lltg Rights Summery. In e of Errors or About Your Bill: If you think your bin is wr or if you need more information about a c Cas OueslWns ttansactan on Your hilt, write us on a N rate sheet of paper at Discover MoresM ; P.O. Box 15192;'N?f ten, I 19850.5192, as soon as possible. We must hear Trom you no later than 6?days after we serif you the fiat bi0 on which the error or problem appeared. You can telephone us, but doing so will not preserv e your rights. In your letter, give us the following information: •Your name and Account number. p •The dollar amount of the suspected error. •Describe the error and exptain, 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 caned the amount you question. Speekl R"4 for Crept Card Purchases: If u have a problem with the quality of goods or services that you purchased with a credit card, and you have triad in good faith to correct a oblem with Ute merchant yyoouu ma not have to rho remain anmunl due on the goods or services. You have this ptoteclion only when rho purchase price was.more than 550 and thepurCae was mademing,youi home alateor wJlhin 1.00 mites of your mailing address. (It we own or operate the merchant or d we mailed you the advertiserrx+?nl for the gacrRt or services sU purchases are covered regardless of the amount or location of purchase.) Payments. Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an ekcimic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed 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 tilootrenic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, conespondenre or other items with your ppaayyment,-tf you send (ha?ayment to any other address or if you use an envelope other than the one provided. Payments received on or after 1 PM Monday through Friday or on a weekend or bank holiday will be posted to youur Account as of the next business day. If you have misplaced your an se you ymmt 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 resubpmayit it as an electronic de it You can t - your minimum payment or a greater amount over the telephone. Call us at 1-600.347-2683. You will need this statement and you( bank accoun information. You must ensure that sufficient funds are avaiIt in r 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 those numbers as 1?u emee emo sigtmature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the sli m requested by 7u, from yW, bank account. In order to cancel a payment we must receive notice at least ihfee days in advance of the sch tiled payment You may notify us by phone at 1.800.341.2683 or by mail at address listed in the previous paragraph. Credit Reporting. We may report information about your account to credit bureaus. Late pa ts, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment tim;tdry 0( your lit to credit report rig a9fcies each month. If you behave that our report is inaccurate or incomplete, please write us at the follwrift aftess?eover Mores 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 date the transaction is posted to r Account until the date you pay your entire New Balance, by making ppaayferds or recamving cradAs. HWwxivar, we will preside the fogowimp period." tt yyou pab the New Balance on your previous bilillp idAtatttent pplyy, the al. 04 Date shown on that tlai?anant, and You Wrfm 1[le Ittitanca by the Payment Oue Daft on this statement, we will not WON Panodic FIN nOe t?ta On n purchases, that is pure saes fist a on this statement Otherwise, you will receive a billing statement next month that lnekmttelf Partodic Finance Charges on those new purchi" 9isThere 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 sub act to a premoUOnal rate and purchases sub(ect to a standard rate would be separate groups. We refer to these groups as transaction ca ies act the end of each bm0ing period, we compute balances and Pefiedic Finance C1ia for each day of the billino period far each tren$action ea we use the f??owm egWLion to c Periodic Finance Cnei for each eon cate0ory. Aversye Daly Balance x number of daYf in th tad mi DasAf P igtk ( so ft finance charge sum mtsiyon your in ment for these amounts.) Then we add up the Perwduc finance ar for each Vans ac category to t the total Periodic Finance Charges for your Account The Average Dairy 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 the Charges. This means if you did not pay the New Balance shown on the billing statement You received the previous a bril Payment Due Date shown on that statement, we win impose Periodic Finance Charges on new purchases that fir appooW on Urat? oso, lit 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 Avera Daily Balance for each transaction categoryy by adding up all the dairy balances in a billing period for a transaction category and dividingg the total bpye the number of days in the billing cycle, WQ coo the daily balance for each transac(Wntateaory on each day by?lirssll adding the Tollowingaily to the previous day's daily balance: tranaaetions rrrode t dayY, fees charged that day and Psvkft in rice Chairs accrued on the previous day's balance; and by then subtracting any credits and payments that a!e as a sisal the balance of the transaction category on that day. In calculating the daily balance for the previous bill mod; we consider thE ' s is dairy balance" to have been zero on W first day of the billing period. If a transaction is hosted to urVont. after the %W of bi0ing period in which it occurs, we will treat the transaction as having occurred on the first day of OW 60" Ariod which it is posted to your Account All fees charged to your Account are added to the standard purchase transaction catogory with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction cate?prY and Lance Transfer Transaction Fee Finance Charges which we move the unpaid balance of the balance transfer are added to the applicable balance transfer transaction ca When this special is exprc es, and the Balance Transfer Transaction Fee Finance Charon-to the standard purchase transaction eatwm However, if the Weal late 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 (Telecommunications Device for the Deaf) assistance, please can 1-800-347-7449. The Discover® More am Card is issued by Discover Bank, Member FDIC. V 169% I a+w?.?• A.n CARD Real answers from real people. When you have 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 at 1-800-DISCOVER (1.800.347-2683). (92007 Discover Bank, Member FDIC Closing Date: September 6, 2006 page 2 of 2 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 $4768.33 0.05271% 19.24% V 19.24% $77.92 none Cash Advances $0 0.05751% 20.99% F 20.99% $0 $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 ,r n?1 1.ann.ntcrr%VCR t1_nnn_1A7_'7Au'11 CARD Payment Due Dale November S, 2006 06 SDSN6AD1 0002376 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 unm .-vuvuiu cnnosea oe(ow Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $87.00. Make payments an your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 111 1111111111 111111 fill I III WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space IutIIIrIuInltlrtlul?nilrlurlrlrl?Iunllrlilnnlllilnl above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221049646100000000021800 Discover Platinum Card Account Summary Closing Date: October 6, 2006 page 1 of 2 Account number ending in 3221 Previous Balance $4,715.06 Payment Due Date November 5, 2006 Payments And Credits 0.00 Minimum Payment Due $218.00 Purchases + 133.58 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $35.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges 115.97 Cash Credit Available $35.00 New Balance $4,964.61 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Cashback Bonuse Anniversary Date: July 6 Opening Cashback Bonus Balance New Cashback Bonus Earned Cashback Bonus Balance -Available to Redeem .... $ 0.16 + 0:00 $ 0,16 $ 0.00 How Can We Help You? For Account Inquiries, write to us at: Discover More Card, PO Box 30943 Please have your Discover Card available. Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1.800-DISCOVER (1.800-347.2683) For assistance, see reverse side. 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 8 Sep 5 RETURNED INTERNET PMT $ 100.00 Sep 8 Sep 8 REPRESENTED INTERNET PAYMENT - THANK YOU -100.00 Other/Miscellaneous Sep 8 Sep 5 ADJUSTMENT - LATE CHARGE 39.00 Sep 8 Sep 5 ADJUSTMENT - FINANCE CHARGE 0.10 Sep 8 Sep 8 FEE FOR RETURNED ACH PAYMENT 35.00 Sep 8 Aug 7 ADJUSTMENT - FINANCE CHARGE 20.48 Oct 6 Oct 6 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. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942`Yo; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subject to the terms of the offer including expiration. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION '""Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Important Information. If there is more than one page to this billing statement, see the back of each page for additional bmparlant inforrrnation. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account 0 Lost or stolen cards. Report immediately! Call 1-800-347-2883. u, P BHIMg Rights Surmnsry. In Case of Errors or Questions About Your Bill: If you think your bill is wr or if need more information about a transacts n on your bill, write us on a separate sheet of paper at Discover MoresM ; P.O, Box 15197, Wn, DE 19 0.5192, as as We must hear from you no later than 60 days after we sent you the first bill on which the error or m appeared. You can done us, 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. 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 0 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 tion action to collect the amount ou ue tak an li t t t d y q s . y nquen or e repor you as e question. While we Investigate your question, we canno Special Rule for Credit Card purchases: If you have a problem with the quality of goods or services that you, purchased with a credit cud, .and oods or Ole remautin amount due on the t h h t i t a i th g o p g e merc an o ave y th you have tried in good faith to correct the problem w , ran r urchase was made in your hoe state or within 100 more -than 150 and the rice was th hase t ti t i l h , p e purc p s pro on on y w en ec services. You have h miles of your mailing address. (If we own or operate the merchant or if we mailed you the adveMisermnt for the goods or series, all purchases are covered regardless of the amount or location of purchase.) Payments. Payments. Send only your payment and the top portion of this statement in the, envelope provided. Do not send cash. By sending your our check to make an electronic fund transfer from your account at the financial th iz s to use information o d d b b ove, you au or e u n y escri a check as e institution indicated on your check or to process the payment as a check tr ansaction. H Pa t is processed as an electronic fun? transfer, the (rinds may be n we use information from your crack to make an aNetronic fund transfer f th h k Wh f t f i t , o e c ec . or he amoun trans er w ll be e withdrawn from your account as soon as the same day we receive your payment and you w91 not receive your check back from your financial institution. The processing of your payment may be delayed if you. send cash, correspondence or other items with your Ument, if you send the_ payment to any other address or lr you use an envelope other than the one provided. Payments received on or after 1 ? Monda inrough Friday or at) a weekend or bank holiday will beposte d to r wit as of IM next budoeN day. If you have misplaced Your enva: e, send your payment to Discover Bank , PO Box 15251 Wit ington, 01 9888- 251. Pleale a8ow, 7-10 drp for delivery. If your payment is returned unpaid, we rederve the ' right to resubmit it as an electronic de t You can pay your 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 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 tip code. By anteing those, numbers as your electronic i ignrAture, you will be en to amen us and your bank to deduct each Cwt youle aor? i the sea ??ledatiy ynu from your bank agreeing this t a by the at leafs rrx dos ltru nMy us e noti 'May e i t t nc accoun In order r to o cancel a paymen ce v ce we mus r 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 pa ments, misted Da ts, or other defaufls on your account may be reflected in your credit report We normally report the status and DaYrllsot of your Accou to Us& report* a0tncies at PO B 15316 D M au C , iscover ore ard, ox month. If you believe that our report is inaccurate or incomrplete, please write us a the fonowing address. Wilmington DE 19050.5316. 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 ported to your Account until the data you pay your entire New Balance by =1 payments of r Oft However, we will the t "gr8c0 p?mpod:" if you paid the New Mance on your previous bl ?g I by the Payment RMt shown on that sU nl and law he New Balance by the Payment Due Date on this statement we, win a impose Periodic rFnance Chef on now purcha that is, pure s net appear or} this statement Otherwise, you will receive a billing sWunt next month that include€ Periafic FMance irges on those new purchases. is is no grace period on balance transfers or cash advances We sort your transactions into Cr ps of purchases, cash advances, and balance transfers and then further sat the transactions within each group b their Annual Percentage Rate. Cexample purabaa4d sup(ect to a premotional rate and purchases subject to a standard rile would be sapafatg groups Wa refer to these grouppss as Uansaeiroti c tee At the end of each bii6np poriad we cornpule bagrnCes and Periodic Finance t3tilrges for each day 00 e lperrod of each Uansaetbrnrorlt. We use the ioHowing _et[datwn ti> compute Periodic Finance txrarges for each transaction category Avers Dar Balance x number of daya.in the ed x Dally Perwdlc Clete. (See lne tlnanoe rxrar?e wrnmwy on Your statorrfent for these amounts)geThen we add up the. Periodic Finance Cha lor each transaction Cat?ory to t tfre total Periodic Finance Charges for your Account The Average Daily Balance rs shown as zero if, because of the grace period, no Perior Finance Charges apply to the balance m 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 on the Alterniont You received dur the p=as berg pa?and by the Payment Due Data shown Oil that statement we will impote eP rkKk Financeesges ion new purchases that f? appeared on that bilt(ng statement as well as now purchases that first appear on the current billing statement u,less we alreidy imposed Periodic Finance Charges on the purchases on your previous billing statement r each Today bty Iii-Sy Urges? accrued on AlActfon category been zero on the we will treat the Alt fees charged to your Account are added to the standard purchase transaction Category with the exca ion of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Batanca Transfer ransacUOn fee Finance Charges which are added to the a icabte balance transfer transaction cagy. When the special rate expires we move the unpaid balance of the balance transfer and the Balance ransfer Transaction Fee Finance Charges 10 the standard purchase transacilon calegor However, it 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 TOD (Telecommunications Device for the Deaf) assistance, please call 1-500-347-7449. 7?.. n;ro,.,...m un..SM r'-ef is i-larl by nim,, mr Rank Memher FDIC. V 16.7% CARD Real answers from real people. vrJ%.O v r1% ..._..._.-.....___-. i1n When you have a question or concern about your Discover' Card account, we're here. 2A 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. Coll us at 1-800-DISCOVER (1-800.347-2683). 02007 Discover Bank, Member FDIC I .. i Closing Date: October 6, 2006 page 2 of 2 Discovercard.com provides you with the easiest online self-service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely e-mail reminders to help you avoid fees. Easy account management is just a click awayl Register or log in to Discovercard.com/registermyoccount 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 $4867.65 0.07942% 28.99% V 28.99% $115,97 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $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 .......u 1_Ann_nicrn\1CD 11 ann IA-7'1Aa') t CARD 06 VSN6AO1 0002377 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA cnler Mlnounl coclosea oelow Payment Due Date- $ -? December 5, 2006 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $93.00. B Make payments on your schedule, in advance or on the same day as your due dale. Visit Disooveroard.oom/payments 17055-5168 to make an online payment today. PO BOX 15251 I""M'r'I l r r'rl I'r''Ill WILMINGTON DE 19886-5251 Address, e-mail or telephone changes: Print change in space our e-mail address to Print c com Di d t b y . scover or . o ove, or go a receive important Account information and special offers. 000006011002798373221049993900000000022900 Discover Platinum Card Account Summary Closing Date: November 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,964.61 'Payment Due Date December 5, 2006 Payments And Credits 12500 Minimum Payment Due $229.00 Purchases + 39.00 000.00 Cash Advances Credit Limit $5 + 0.00 , Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance Charges + 120.78 Cash Credit Available $0.00 New Balance = $4,999.39 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 ,Cashback Bonus® Anniversary Available to Redeem ....... _ $ 10Q Date: July 6 .How Can We Help You? For Account Inquiries, write to us at: Please have our Discover Card available. Discover More Card, PO Box 30943 y Salt Lake City, UT 8,4130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deal): Customer Service: 1-800-DISCOVER (1.800.347-2683) For assistance, see reverse side. 'Transactions ;Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Oct 9 Oct 9 INTERNET PAYMENT - THANK YOU Nov 6 Nov 6 LATE FEE 125.00 39.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subject to the terms of the offer including expiration. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION "'"Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 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 $4905.97 0.07942% 28.99% V 28.99% $120.78 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $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, see the back of each page for additional important information, See year CaMmember Agreement. Your Cardmember Agreement contains all the terms of your Account N v U) Lost or stolen cards. Report immediately! Call 1-800-947-2889. Z Biting Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a c transaction on your bill, write us on a separate shaet of paper at Discover More sm. P.O. Box 15192: WNmmgton,-DE 19950.5192, as amen as posstum We must hear from you no later than 60 days aRerwe 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: W •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 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 Purchaes: If you have a problem with the quality of goods or services that you rchased 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 ram amount duo of the goods or services. You have this protection only when the purchase price was more tan 350 and the pwehaee was made in your harm state or within +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. Payments. Send only yyoour payment and the to portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you auihonze us to use Information on your check to make an electronic fund transfer train your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,i the transfer will be for the amount of live crack. When we use Information from your ctlaCk :le make an etoctronk fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check track from your financial institution. The.processinj of your payment may be delayed it you send cash, correspondence or other items with your payment, if you. send the payment to any other addres or if you use an envelope other than the one provided. Payments received on or after 1 PM kfortday thr Friday or qn a Ace at as of the next business day. 9 u have misplaced your O Nfalape, ae your payment to weekend or bank holiday will be posted to our Discover Bank, PO Box 15251 Wilmin.Vn DE 19886-5251. Please allow 7.10 days for delivery. If your payment;ts returned unpaid we reserve, the right to resubmit it as an electronic debit You can pay your 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 that sufficient funds are available in your bank account, and all transactions must comply with U.S Taw. You will be asked to provide the first 5 digits of your account statement zip code. By entering iodic numbers as your electronic signature. you will be a mein to this authorization to allow us and your bank to deduct er<mt r ize, rat by your t>xnk accoun? In order to cancel a payment we must receive notice at Most eho day's iunauuadvbrance ofMthethescarnourtnadufadTpayment Youuu,mayfromnomy us by phone at 1.800.347.2683 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 paitments, or other defauts on your account ant y be reflected in your credit repot We normally repot the status and payment hisWq of Your Accountt to crept rporlirrg agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the fottovvMg address: Discover Moe Card, ('O Box 15316, Wilmington DE 19860-5316. Please include your name, address, home telephone number and Accotint 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 entire New Balance by making payments of receiving credits However, we will provide the fo rap "grace period" If Youpa id the New Balance on your previous bigGlg cent by the Payment Due Date shown on that slatatlMttt and you pay I[ to New Batanro by the Pa rat Due Date on this statement, we will not Periodic Finer o Mar s on new purchases, that It purchases' f? on this statement Otherwise, you will receive a billing sbttetrxr t nrnd fttenth that eltJ rl idle Finance Charges on (hose new put re is no grace period on balance transfers or cash advances. We sot your transactions into proups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example purchases $.U to A j ono to and purchases U*eCt to a starrdoW fate would pe separate groups. We refer to these groups as tranactxm ca 2. At the end of each bNBn 04 we compute balances and Periodic Finance Chow for each day of the billing period for each transaction ea we use the t s puatfon comBguto Periodic Finance r for each transaction the ?rktl x tleiotNC Rate. (See ia finance charge summary your statement for category. Average Dally glance x number of days in these amounts.y Then we add up the Periodic Finance hart for each UansacOwt categoryr W got the total Perk is Finance Charges fur your Account. The Average Daily Balance is shown as zero if because of the grace period, no Periodic tnsnce Charges apply to the balance in a transaction category. We use the two-cycle average dairy balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means of you did not pay the New Balance shown on the biding statement you reconnd durinngg 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 Willing statement, as well as now purchases that first appear on the current ling statement, unless we already Imposed Periodic finance Charges on the purchases on your previous billing statement We compute the Avera a Daly Balance for each transaction category by adding up a!I the deity balances in a billing period for a transaelion cotegory and dividingC the total logy the number of dosys in the biufng cycle: tee compute the daily Datance !or each bran trait Gition aacn day hy:iirst adding the Tohowin to the previous day s daffy iran#aclions made that dda?yy tees charged that day arWYbdic F Choirges accrued on ig any eredals and payrmMnts tint are sagaursl the balance of the transaction category the previous day's dallIyy balance; and by then su, on that dosy. In caic to Me daily balance for tie pravlorar otiling period wa consNSter the s airy s deiAr balance" m nave beian zero an the first dosY oI the titling period If a transaction is to your Arxovnt ostler the cwse of brttinO period fn which it occurs, we w it treat the transactton as having cu 'ad on_Me first tlay of hf a biring Period M which it is posted to your Accour?t All fees charged to your Account are added to the standard purchase transaction category with the exception of cash advance iansacton fee Finance Charges which are added to the applicable cash advance An category and Balance Transfer Transaction Fee Finance Charges which are added to The applicable balance transfer tronae l r When the special rare expires we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Cnagos the standard purchase transactbn c IielNeVer, K special rate has been terminated under the Default Rate Plan we leave the unpaid balance of the balance transfer and this ffalance Transfer Transactum Fee Finance Charges in the applicable transaction category unlit the special rate would have expired. For TOD (Teleeonnnunkatloru Device for the Deaf) assistance, please call 1-800-947-7449. rw., n4wn -A, kb.,-sin e-4 ie ite-ei hu niennt- Rank Mamhor Fnie CARD $ Payment Due Date January 5, 2007 Please make check payable to Discover Platinum Card or pay online e? Discovercard.com. 06 SDSN6A01 0002378 SPEAKMAN, ROBERT B Make payments on your schedule, in advance or on the same day as your due 341 E MEADOW DR date. Visit Disooveroard.oom/payments MECHANICSBURG PA 17055-5168 to make an online payment today. rrr?u?? PO BOX 15251 ???rrr??rrr??Is III WILMINGTON DE 19886-5251 Address, ae-mail or telephone Print Print change in sp?ce receive important Account information and special offers. 000006011002798373221048880300000000013300 Discover Platinum Card Account Summary Closing Date: December 6, 2006 page 1 of 1 Account number ending in 3221 Previous Balance $4,999.39 Payment Due Date January 5, 2007 Payments And Credits 229.00 Minimum Payment Due $133.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $111.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 117.64 Cash Credit Available $111.00 New Balance = $4,888.03 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.16 Cashback BonusO Anniversary -Available to Radeem.. $ ... ....0,0117. Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Progroml Full 5% Cashback Bonus on Get More purchases in popular categories h back throughout the year and up to 1 % Cas Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at. Discover More Card, PO Box 309,43 Please have your Discover Card available. Sall Lake City, UT 84130 Manage your account online at Discovercard.com TOD (Telecommunications Device for the Deaf): Customer Service: 1.800-DISCOVER (1-800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 11 Nov 11 PHONE PAYMENT - THANK YOU $ -125.00 Dec 4 Dec 4 INTERNET PAYMENT - THANK YOU -104.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES CHARGES CHARGE current billing period: 30 days Purchases $4937.56 0.07942% 28.99% V 28.99% $117.64 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $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, see the back of each page for addiigartal important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account cn 0 Lost or stolen cards. Report immediately. Call 1-600-947-2693. Cb B!" RWAs Summary. 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 at Discover bore sm ; P.O. Box 15192; Wdrnrngton, DE 19650-5192, as soon at 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 8 doing so will not preserve your rights In your letter, give us the following information: *Your name and Account number. N •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. Spec 0 Rude 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 goat faith to correct the problem with the merchant You mayy of have to fay the remaining amount dim on the ooh or services. You have this protection only when the purchase price was mac than t50 and the purchase was made In your home sate or whin 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. Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. B1 sending your check as described above, you authorize us to use Information on your check to make an electronic Lurid transfer from your accarnt t the fKancial institution indicated on your check or to process the payment as, a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use lnfamatiotl from your chick to make an skCtronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your pa?arent if you-semi the payment to any other address or if you use an envelope other than the one provided. Payments received on or afar 1 Pkl Monday thrown Friday or on a weekend or bank holiday will be posted te r Account as of the next business day. It you have miapgted yaw envelope, se your payment to Discover Bank, PO Box 15251 WBminWot DE 19886-5251. Please allow 7-10 days for delivery . H your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your 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 that sufficient funds are available in your bank account, and all transactions must comply with US. law. You will be asked to provide the first 5 digits of your account statement zip coda. By entering these numbers as your electronic signature, you will be agreein®te this authorization to allow us and your bank to deduct each nt you authorize, in the amount requested byYbu from spur bank account In order to cancel a payment we must receive notice at least roe da s in advance of the scheduled payment may ndirty us by phone at 1.800.347.2683 or by maul at address IWO in the previous paragraph. Credit Reporting. We may report information about your account to credit bureaus. Late a is, missed Ds nts, or other defaults on your account may be reflected in your credtt report We namely report the status and ?6Yment of te crew agencies tam month. If you believe that our repot is inaccurate or incomplete, please writs us al 1tre f4irQ'r sdr 11C=' Moresr?Gr?d, Pt7BOd 16316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed an all transactions from the dale the transaction is posted to your Account until the date You Wp]yy you entire New Balance by making payments or rec sivi?g crodrts However, we will provide the follows gp are ppfurod," If Se3ance by yyooupa id the stew Balance on your previous bllwting-dooth"?y the Due Date shun on that staftmosit and you pay tf, the Payment Due Date on this statement we, win not impose Periodic once l3ntnrges on now, purchases that d purchases roast ap?on this statement Otherwise, you is receive a bitting statement next month that includes Periodic Penance Charges on those, new pureh a 1s no grace period on balance transfers or cash advances. We sort your transactions into roups t their Annual Percentage Rate. exs groups. We refer to these grov as In each day of the billinp period for each category Averse Dally Balance x purr these amounts.) Then we add up the Account. The Average Dairy Balance transaction category. cash advances, and no sublect to a par s the end u oorv We use the as zero if, because of the grace it transactions within each group a standard rate wand be separat at and Perildc Finance Charges for tirance Charges for each transaction u summary on your statement for I Periodic Finance Charges for your Charges apply to the balance in a We use the two-cycle average dairy balance (including new transactions method of calculating the balance upon which we impose Periodic €inance Charges. This means of you did not pay the New Balance shown on the billing statement you received dun" the Previous biNit G perwq by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on now purchases that first appeared on that ng statement as well as now rchases 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 Avera Daily Balance for each transaction category by adding up all the dairy balances in a billin period for a transaction categ and dividingg the total 6gye the number of days in the ggnp cycle. tNe compute the daily balanrte for each cst?ory on each day bylirs dic finance Charges accrued on adding the followin to the previous days dally ballma tr?nsaclbns made that day toes awgied that day 00 the evlous days dally balance; and by loco sulHractins any credgs and payments that xe led VaRist tptlF lrliince of the tanipkUoh caiepay on that day. In calculating the daily balance for the pe billing period. we consider the " balance" to have been zero on the first day of the billing period. If a transaction is 91140 to your ACornuri after the close of luginp periaa fn which it occurs; we wait treat the transaction as having occurred on the first day of the billing period in which it is posted to your Accoufft 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 -the applicable balance transfer transaction When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance CharcpMM"t-he standard purchase transaction catgpory i?r r if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Ratartce Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Thw nicnnvwnar Mnrwem Carrel it iteuwri Av nitnnvmr Rank Mwmhwr Fnir v„ivv..rl J?VV.VV CARD Payment Due Date February 5, 2007 06 SDSN6A01 0002379 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 crrrnr runoum cnaosea oerow $I I Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. Make payments on your schedule, In advance or on the same day as your due date. Visit Discoveroard.oom/payments to make an online payment today. PO BOX 15251 111 11111111111n I11111n11 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space Irrrll'rlrrlrr'rlrrlrr??rrrlr?rrrlrlr?rlrrrr?Irlrlrrrr'I?r?rr1 above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373227049558900000000013800 Discover Platinum Card Account Summary Closing Date: January 6, 2007 page 1 of 2 .Account number ending in 3221 Previous Balance $4,888.03 Payment Due Date February 5, 2007 Payments And Credits 133.00 Minimum Payment Due $138.00 Purchases + 78.60 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $44.00 Balance Transfers + 0.00 ,Cash Credit limit $2,500.00 Finance Charges + 122.26 Cash Credit Available $44.00 New Balance $4,955.89 You may be able to avoid Periodic Finance Charges, see the reverse side for details. 'Cashback Bonus® Opening Cashback Bonus Balance $ 0.16 New Cashback Bonus Earned + 0.20 Cashback Bonus Balance $ 0.36 Cashback Bonus® Anniversary - - - - - - Available to Redeem $ _ . O,OQ - Date: July 6 Cashback Bonw(R) I?, America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to I% Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at: Discover More Card, PO Box 30943 Please have our Discover Card available. Y Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer service: 1.800-DISCOVER (1.800-347.2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 6 Jan 6 INTERNET PAYMENT - THANK YOU $ -133.00 Travel/Entertainment Dec 28 Dec 28 TICKETWEB 800-965.4827 CA 47.92 30522881 TW6lQ288 Department Store Dec 30 Dec 30 BOSCOVS DEPARTMENT STORE SCRANTON PA 30.68 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. 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 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 Cardmernber Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report Immediately! Call 1-800-947-2689. Bftg Rights Summary. In Case of Errors or Ouestbns About Your Bill: it you think your bill is wrong, or if u need more information about a transaction on your bill, write us on a separate sheet of paper at Discover MoreaM ; P.O. Box 15192: WNrmlhgort, 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 probldhrt appeared. You can telephone us, but 8 tloing 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 bill that are not in question. While we investigate your question, we cannot report you as delinquent or lake anv action to collect the amount you ouestion. Speclal Rule for CredH Card Purchases: Ii 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 s or services. You have this protection "when the purchase price was, more than 15y6 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, IN purchases are covered regardless of the amount or location of purchase.) cents. Send only your, payment and the top portion of this statement in the envelope provided Do not send cash. By sending your ad above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial led on your check or to process the payment as a check transaction. N payment is processed as an electronic fund transfer, the for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be your account as soon as the same day we receive your payment and you will not receive your check back from your financial The processing of your payment may be delayed it. you send cash, correspondence or other items with your Aavment, it you. send the. ayment to any other address or if you use an envelope other than the one provided. Payments received on or after 1 PM Monday through Fri y or on a weekend or bank holiday will be poded to your Account as of the next business day. If you have misplaced your envelope, sand your payment to Discover Bank, Pt.) Box 15251 Wilminnggton, 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 electronic debit You can pay your 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 that sufficient funds are available in your bank account and all transactions must comply with ii.S caw. You will be asked to provide the first 5 digits of your account statement zip code. By ants those namben as your electronic signature, you will per agreeing to this authorization to allow us and your bank to tlgduct each payment au torite in the amount requested by, You hm+t your bank account In order to cancel a pa rat we must receive notice at least hies da s in a nce of the scheduled payment You may notify us by phone at 1-800.347.2683 or by m rt. at address listed in the previous paragraph. Credit ReporthV We may report information about your account to credit bureaus. Late Paym4 missed pa menus, or other defaults on your account may be reflected in your credit report We normally report the status and paytme nt history of your Account to credit rrorting agencies each month. If you believe that our report is inaccurate or incomplete, please write us a[ the following address: Discover Mores 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 until the date you pay your entire New Balance by making payments or receiving credits however, we will provide the following " ace_ 10d.." If you Paid the Naw 8afance on your previous h9 st8leftsatt[ ply the Paymeftt to Date shown on that statement and you pay the BBaatte?tcce by the Payment Due Gate on this statement we t not impbsa Periotlle Finance t forges on rift; purchases, that is purchas Tust appearing on this statement Otherwise, you will receive a billing statement next month lost includest Periodfe finance Charges on !hoes now purchakrs There is no grace period on balance transfers or cash advances. We sort your transactions into roups of purchases, cash advances, and balance transfers and then further sort the transactions within each group their Annual Percentage Rate.Wr example purchases su( to a promotional rate and purchases subject to a standard rate would be separ84 groups. We refer to Nese groups as transaction e s At the end of each belie parted we compute balances and Periodic Finance Cher s fdr each day a the tHlNnp period for each UansactionleGr egOfy. We use Lhe folbMr'?tg pQpualton la cpmpu Peruidic finance Cnar?s for each Uanacton category Avers Daly Balance x number of days in the bNlln period x Oaiy PEradic !tiffs. (Sea the finance cttiarge suhmnuit on your statement for these amounts Then we add up the PerwrNc Finance Char for each Uenaaciion category to pet Iha Inlal Pariadic Flrtance Charges for your Account The verage Dairy Balance is shown as zero if, ause of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the two-cycle average dairy balance (including now transactions method of calculating the balance upon which we impose Periodic Finance Charges. This means if you did not pay the New Balance shown an the billing suilement you received during the previous bNNng period by the Payment Due Date shown on that statement we will impose Periodic Finance Charges on new purchases that first appeared,on that bi8ing 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 Avers Daly Balance (or each Uansaction eategor5r by adding up alt the daily glances in a yi0in period for a uanaaction ca?e9orY and dividing the total the number of tla in lee billing cycle. a compute the daily balance for each t?an?f n c t?o?y on each day by iT rst adding the Tollowing fo a prewWfrs day sly glance: transactions mark that f char{tdd lJrat day and PorrotlicinAm a Chargos accrued on the prevous days daUV halence; and by then suDUaclatfl any credHS and payrne that arc appHadag ainst the oalance of the Uansacllen category on that day. In calcite rag the daily stance for the p?atreua pekld we cpruatler the ?prevwus diy s dairy t>stanec to nave bean taro on uie first day of the billing period. If a transaction is pooled to your cunt attar fine Ckfu of the Wging period m whkh it occurs, we w+ll treat the transaction as having occurred on lee first day of the bNlkhq coil in which N is polled fD 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 Cato try and Balance Transtar Trans4dion Fee Finance Charges which are added to a applicable balance transfer transaction catee?gory. When the specie hie expirac we move the unpaid balance of the batanc transfer and the Balance Transfer Transaction Fee Finance Charges-to the standard purchase transaction category. However. if the special rate ties 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 TDD (Telocornmunications Device for the Deaf) assistance, please call 1-B00-347-7449. Th. nip,., -at 1A.,^8M r arA is iteunn by Ditrnvrr Rank Member FDIC 4J1.lro..`+ ••' V GI< CARD Real answers from real people. UIO%..WVGK 4 _. ,, ...a 41 4 When you have 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. Coll us at 1-800-DISCOVER (1-800-347-2683). 02007 Discover Bank, Member FDIC Closing Date: January, 6, 2007 page 2 of 2 Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Make-A-Wish Foundotion(R). 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 Wish.org Visit ShopDiscover at Discovercard.com/shop to earn additional Cashback Bonus(R) when you shop online. You will find great offers from retailers like Barnes and Noble, FTD, Magazines.com and morel 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 $4965.87 0.07942% 28.99% V 28.99% $122.26 none Cash Advances $0 0.07942% 28.99% V 2899% $0 $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.corn .--[I s_ann_mermwen ii o(V1) A77A.a7r V YV ?1?i??V0? V v? ??'?? L L111W1 tV11VV111 crl[;laseu Dillow ?I ------------ CARD Payment Due Da - le -- $ ?- March 5, 2007 Please make check payable to Discover Platinum Card. You are overllimd. Pay the sum of the monthly minimum payment plus the overlimit amount of $157.36. 06 SDSN6A01 0002380 SPEAKMAN, ROBERT B Make payments on your schedule, in 341 E MEADOW DR advance or on the same day as your due date. Visit Dlsoovercard.oom/payments MECHANICSBURG PA 17055-5168 to make an online payment today. PO BOX 15251 1111 tliLuIIrrrtl11111 1111 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space )1110)I?II?II?I?II?Ir??r11?1?rlr?r?r?r?llrr??t?s?rrrr???i?r1? above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221051573600000000027700 Discover Platinum Card Account Summary Closing Date: February 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $4,955.89 Payment Due Date Match 5, 2007 Payments And Credits 0.00 Minimum Payment Due $277.00 Purchases + 78.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Charges + 123.A7 Cash Credit Available $0.00 New Balance $5,157.36 Cashback Bonus® Opening Cashback Bonus Balance $ 0.36 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.36 Cashback Bonus(9 Anniversary A-vailable to Redeem .Date: July 6 How Can We Help You? For Account Inquiries, write to us at: Please have our Discover Card available. Y Discover More Card, PO Box 30943 Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD Relecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1.800.347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Other/Miscellaneous Feb 6 Feb 6 OVERLIMIT FEE Feb 6 Feb 6 LATE FEE 39.00 39.00 Information For You . Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE ,RATE: 28.99%. Rate is subject to the terms of the offer including expiration. * * * ATTENTION * * * Yovr account is post due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5015.39 0.07942% 28.99% V 28.99% $123.47 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $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, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account rn 0 Lost or stolen cards. Report immediately! Call 1-800.947-2689. Z m Willing Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill is wr p or if need more information about a o transaction on your bill, write us on a separate sheet of paper at Discover Moressr ; P.O. Box 15192; W? mirigtonyou , t)E 19960.5192, as seen 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: ro .Your name and Account number. *The dollar amount of the suspected error. a 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 x about You do not have to pay any amount in question while we are investigating, but you are still obUgated 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 lire amount you question. 8peelal Role for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and S you e. have tried in good faith to correct the problem with the merchant you may not have to pay the remaining amount due on the in or services. You have this protection only when the purchase price was more than S50 and the purchase was Mao in your how state Or w,, in i00 miles of your mailing address (K 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 purohm.) Payments. Payments. Send only yew, payment and the lop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you aulhonze us to use Mfesma4ion on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If ppaayymmeent is processed as an eaactratic fund transfer, the transfer will be for the amount of the check. When we use information from your chftcft.W make an elactroruc fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The. processing of your payment may be delayed it you send cash, correspondence or other items with yyour payment if you. send the payment to any other address or it you use an envelope other than the one provided. Payments received on or aff8r 1 PM Monday through Friday or on a weekend or bank holiday will be posted to_ your Account as of the next two day. K you be* minced your envelope, send your to Discover Bank. PO Box 15251 Wilminngpton, DE 19868-5251. Please allow 7-10 days for delivery. 9 yew payment is returned unpaid, we reserve the right to resubmit it as an electronic dabil You can Cay your minimum payment or a greater amount over the telephone. Call us at 1-800.347.2883. You will need this statement and your 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. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct eiach-pawrtant ysxi authorize, in the amount mquestod by 1'from ywur bank account in order to cancel a payment we must receive notice at least Mee days in advance of the wtodWed payment You may notify us by phone at 1.800-347.2683 or by mail at address listed In the previous paragraph. Credit RepoAhg. We may report information about your account to credit bureaus. Late Pa rite, missed pa rtts, or other defaults on your account may bei reflected in your credit report. We n6rmaly report the status and paymtent h9ot your Account to credit r 42"es each month. If you believe that our report is inaccurate or incomplete, please write us at the ImDwing address: Discover Mora PI Box 15316, Wilmington DE 19850-5316. Please Include your name, address, home telephone number and Account number. PERIODIC FINANCE p CYyNAROEB. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the Ne u w eaianyour ntire New Balance -bymaking payments or recerirt h_p credits. However, we will provide the f obw acs parrod." if a Papa your previous bIK{ng emeni b y the payment Ottf ate shown on that statement and ye+uy tfie New Balance by the yw thment Due Date on this statement, we WIN 90 Imp Per= Finance ptl [ s Dn purchascs, that is, urchases rest aypaarnho on this statement Otherwise, you will reeehte a bi8ing tement next men h that foe rid IC hiance Charges on hose new purchases. re is no grace period on balance transfers or cash advances. We sat your transactions into gQroups of rchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. Fa exam de purchases t to a M rate and purelifsas subject to a stindarif " world be separate groups We refer to these groups as transaction ca lithe 0018061"h biit rind we compute baldrr?es and Perbcbc Finance csuggaes tar each day of the bt8in0 period for each transaction . We um the followMg ue?4gWptepn to to Periodic Finance Char roe each transaction category Averspa Dally stance x number of in the DK period x Daly PAliodic Rate (Sao the finance elargc summaron your stal?menl (or these amounts.f then we adtl up the Periodic Finance Char for each transaction category to gel F antee !Cnars?aFinance Charges tai your Account. The Average Daly Balance is shown as zero if, because of the grace period, rte eri ge poly !n !ht 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 it you did not pay the New Balance shown on the olUltg statement you received duiuW the prevails billing period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purcha that Msl 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 Averse Daily Balance for each transaction categorryy by adding up aft the dopy balances in a bifluintgp period fa a iransadrrn cale9ay and dividing the total the number of daYS in the bi0)n cycle. We compute me daisy balance for each Uansactbn ealcpory on each dart' by lirsi adding the Toltowing to he previous day s daNy balance; transactions made the! day, icds charged that day and Periodic finance Georges accrued on the f1, ious day son t dIn cakutathfirsayy the )tilling dtraction as having occurred on Ne first day of flee ht0ftrq ailed in which it is posted to your Account All fees charged to your Account are added to the standard purchase transaction catego with the exception of Cash Advance Transaction Fee Finance Chargges which are added to the applicable cash advance transaction ca andaJance Transfer Transaction Fee Finance Chortles which are added to: apWicabk balance lransier transaction category. When the specia ra expnas we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges lo the standard purchase transaCllon categastt 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 Finam?.e Charges in the applicable transaction category until the special rate would have expired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-800-847-7449. Th. n;-.,^,al mnmsm rare is issued by nisrnver Bank Member FDIC. VIJ%.`.? V IL1X CARD 06 SDSN6A01 0002381 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 Payment Due Date --?.? $'1V1 „111VV11r L1,"vyV? V-1 April 5, 2007 Please make check pa able to Discover Platinum Card or pay online Discovercard.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. Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 111...11.1111111111 WILMINGTON DE 19886-5251 000006011002798373221049677500000000012600 Discover Platinum Card Account Summary Closing Date: March 6, 2007 page 1 of 1 . Account number ending in 3221 Previous Balance $5,157.36 'Payment Due Date April 5, 2007 Payments And Credits 300.00 Minimum Payment Due $126.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $32.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Charges + 110.39 Cash Credit Available $32.00 New Balance $4,967.75 ; Cashback Bonus® Cashback Bonus®-Anniversary - - Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. Opening Cashback Bonus Balance New Cashback Bonus Earned Cashback Bonus Balance ..... Available to Redeem _ . -.... - $ 0.36 + 0.00 $ 0.36 $ ........ 0..00- How Can We Help You? For Account Inquiries, write to us at: Please have your Discover Card available. Discover More Card, PO Box 30943 Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800.347.2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 12 Feb 12 INTERNET PAYMENT - THANK YOU $ -300.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. 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: 28 days Purchases $4964.43 0.07942% 28.99% V 28.99% $110.39 none Cash Advances $0 0.07942% 28.99°x, V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R) r,,.A t,.,, si,e i4,1 ,,,,.,,,,,,, m,,,,.,..e_f .,.,ji, - t.,. ,.- r,.tt 1.nnn_nicrnvcv 11 _Annn_1,17_')Aa11 Important Information. If there is more than one page to this billing statement, see the back of each page for additional important ititaffnallon T See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account o Lost or stolen cards. Report immediately. Call 1-800-347-2683. 9 Billing Rights Surweuy. 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 serate shoat of paper at Discover More sM ; P.O. Box 16192; Vlf"%tork DE 19650-5192, as soon as passible. ` We must hear from you no later than 60 days, after we sent you the first bill on which the error or probi M appeared. You can telephone us, tot Q doing so will not preserve your rights. In your etter, give us the following information: •Your name and Account number. -The dollar amount of the suspected error. *Describe the error and explain, it 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 sell& to Meet the amount you question. Special 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, Vu may riot have to pay the remaAq amount due on the goods or services. You have this protection only when the purchase price was more than $ 0 and the purc ass was made In your homy date or within 100 miles of your mailing address. (If we own or operate the merchant or it we mailed you the adveeUmmeM for the goods or services, all purchases are covered regardless df the amount or location of purchase.) Payments. Payments. Send only Yyo0uUr payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you auNORe us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If paknt is pioumW as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your chec to make an okctwnic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial Institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you-send the payment to any other address or of you use an envelope other than the one provided. Payments received on or after 1 PM Monday through Friday or on a weekend or bank holiday will be posted to your Account as of the next business day. If you have misplaced your envelope, send your payment to Discover Bank, PO Box 15251 Wilmington, DE 19886-6251. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your 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 infxmation. You must ensure that sufficient funds are available in your bank account, and all transactions mud comply *0 U& taw. You will be asked to provide the first 5 digits of your account statement zip code. By entering than numbers as S?wr electronic re, you wit be agreeing to this authorization to allow us and your bank to deduct each jym n tsauthorize, in the amount rrxa?ted by?i, from dour bank account In order to cancel a payment we must receive notice at last roe da in advance of the schoduled payment may notify us by phone at 1.800-347.2683 or by mail at address listed in the previous paragraph. Credit Reporting. We may reppoort information about your account to credit bureaus. Late yments, missed pa meats, or other defaults on your account may be reflected tin your credit report We ndumally r Ne status aaf.pa ment offemur t io credit r s each month. If you believe that our report is inaccurate or inox?µr to please write sea air Ne f all over More GoM& 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 Ne date the transaction is posted to your Account until the date you pa? your entire New Balance by maki pyments or rec" credit. However, we will provde the following grrc?tpprrod If you paid the New BBaas ance on your previous billing date r Eby the Payment Due O6k shown on that ttaioment, and you pay the Neer rirnca by the Payment Due Date on this statement we will not Impose Periodic mane Chasms on new purchases, that Is, purchases rut Oil (his statement. Otherwise, you will receive a billing statement next month that includ2Periodic Finance Charges on Note roan purch re is no grace period on balance transfers or cash advances. We sort your transactions into roups of urchases, cash advances, and balance transfers and than further sort the transactions within each gawp by rate and purchases sub(ect to a standard rate would be separate their Annual Percentage Rate. or examPa. Purchases suI. to all groups. We refer to Neu groseps as transactions ,lt the ertd of each lolling tool, we ampule batancaa and Periondic Flnairoe Charges for each day of the bllling period for each transaction Was uss the to compute Perradle Finance Charges for each transaction category. Average Dar Balance x number of days in the rind x Oaily r hate (See the Unarndx charge summary on your alatemenE for then amount'. Then we add up the Periodic Finance ar for each tranaactlon category to tut the total Periodic Finance Chargba for your Account The Average Daly Balance is shown as zero it., because of the grace period, no er finance Charges apply to the balance n 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 duringg the previous bitmg 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 Nat first appear on the current billing statement, unless we already Imposed Periodic Finance Charges on the purchases on your previous billing statement We compute Ne Avera a Dairy Balance of for each UansacUon cateporlr by adding up all the tlaiy balances in a bUltn period for a transaction cat?gorY and tlividinog the total the number days in the WNinp 1e: We compute the daNy Dalanca for aseh Ua catenary m1 oacb day by Tirst adding the 7oliowin to ne previous rays tlaiy trakdnce: tfantrons made that staff, tees char that da a ?e Fln3nee CAarg ar crucd on the previous days sally balance; and by Nen sutknclinpp any Credits and peyRllents, coat are a apii ikhuice of the uarplpetion catrgory on that day. In at ula ng the tlaiy balance for tine pravloua period we dwrts+der the " s says t?6y Wince" to nova loser Coro on tic first d,Y of the billing period. If a tranucUon is to r aocannt Nlar the else of ?Ing period fn which i scours we wilt treat Na tr ansacUOn as having occured on the first day of ne Iling ario>d in which it is purled 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 tolhe applicable balance transfer transaction category. When this special rate expi we nave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges -to the standard purchase transact 1 category. Ho?vewar, If the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the lance Transfer Transaction Foe Finance Charges in the applicable transaction category until the special rate would have expired. For TOD (Telecommunications Device for the Deaf) assistance, please call 1-900-347-7449. The riketurerM Mnrpsm moos ire keueri by nitPn%#Pr Rank MAmher rnw CARD ------- Payment Due Date May 5, 2007 06 SDSN6A01 0002382 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 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. LAIC( 111;VVIII LIILIU5t1U OeIUW Please make check pa able to Discover Platinum Card or pay online Discovercard.com. Make payments on your schedule, in advance or on the same day as your due date, Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 II III III III III rIIII I1sltrli WILMINGTON DE 19886-5251 111111irirrirairir11111111tIt [rttill tIt itrltliIi tlttt1Uirit,i 000006011002798373221049654200000000013900 Discover Platinum Card Account Summary Closing Date: April 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $4,967.75 Payment Due Date May 5, 2007 Payments And Credits - 126.00 Minimum Payment Due $139.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $34.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Charges + 123.67 Cash Credit Available $34.00 New Balance $4,965.42 'Cashback Bonus* Opening Cashback Bonus Balance $ 0.36 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.36 Cashback$onus® Anniversary -Available to Redeem -. Date: July 6 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular cotegories throughout the year and up to I% Cashback Bonus on all your other purchases. How Can We Help You? For Account Inquiries, write to us at: Please have our Discover Card available. Discover More Card, PO Box 30943 Y Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1.800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr 6 Apr 6 INTERNET PAYMENT - THANK YOU $ -126.00 'Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. 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 $5023.32 0.07942% 28.99% V 28.99% $123.67 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (VI as noted above Important Information. If there is more than one page to this billing statement see the back of each page for additional Importantktfcrm#tkm. See yetis Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account W Lost or stolen cards. Report immediatelyl Call 1.800-347-2683. to z m BMMg Rights Strun . in Case of Errors or Ouesheins About Your Bill: d you think your bill is wr or your need more information about a o transaction on your till. write us on a separate sheet of paper at Discover Moresm ; P.O. Boa 15192; U. 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 probicni appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ro -Your name and Account number. w -The dollar amount of the suspected error. N -Describe the error and explain, if you can, why you believe there is an error. It 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 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 the problem with the merchant you maYy not have to pay, the rorrrafnin9 amount due on the goons or services. You have this protection only when the purchase price was more than $ (I and the purchase was made let your forme state or w0 in 100 miles of your mailing address. (If we own or operate the merchant or if we mailed you the advedisoitlent for the gcotki or services, aft purchases are covered regardless of the amount or location of purchase.) Payments. Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending our check as described above, you authorize us to use informs' on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check U nsection. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your chick to make an electronic fund trans(er, funds may be withdrawn from your account as soon as the same day we receive your payment and you will net receive your check back from your financial institution. The processing of your payment may be delayed if. you send cash, correspondence or other items with your ppaayyment If you send the payment to any other address or if you use an envelope other than the one provided. Payments received on or after 1 PM Mones throouuggh Friday oi on a weekend or bank holiday will be posted to your Account as of the next business day. If you have misplaced your en,sand your payment to Discover Bank, PO Box 15251 Wilmington. OE 19686.5261. Please allow 7.10 days far delivery. If your payment is returnbd unpaht we reserve the right to resubmit it as an electronic debit. You can pay your 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 that sufficient funds are available in your bank account and all transactions must comply with 11.6 law. You will be asked to provide the first 5 digits of your account statement zip code. By entering time nu?re?rs es your electronle sitplature, you wig be agreeing to this authorization to allow us and your bank to deduct each paymentsSutllerize, in the amount t esled ty You from Mr bank account In order to cancel a payment we -must receive notice at least three des in advance of the schedutedPaayment You may notify its 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 burgaus. Late pal it. missed pa nts, or other defaults on your account May be-reflected in your credit report We normally report the status and p ytt?nt hts?dey or( your Account to credit r tiny a4enc- $ each month. If you believe that our report is inaccurate or incomplete, please write us at the tohowing admen Discover mote 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 date the transaction is posted to your Account until the date you ppaay your entire New Balance, by Making pa nts or receiving credits. However, we will provide Ina for ace period" If You paid the New Balance on your previous bftg leateargy ehe paw Due Date shown on that statement and 1owu pay law lWance by the Payment Due Date on this statement we will not impose Perfodie finance Chary on new purcha?s that is, purchases Tirst ap?arkna or+ this statement Otherwise, you will receive a billing statement next month that Includes Poriodle Finance harips an t?rlere new PurclleaeaTtl3re is no grace period on balance transfers or cash advances. We sort your transactions into groups of their Annual Percentage Rate. -For exan groups,. We refer to these group?s as trap each ay of the billing period f0r each t category. Avers a Daily Balance x numb these amounlx. Then we add up the I Account The veroge Dairy Balance is transaction category. cash advances, and uses 11011601 to 2 of shown as zero if, because of the grace the transactions within each group by to a standard rate would be sepdrate ruses and Periodic Finance Charges for c Finance charges for each transaction rge summary ortyhur statement for cal Periodic finance Charges for your e Charges a" to the balance to a We use the two-cycle average daily balance (includingQ new transactions) method of calculating the balance upon which we impose Periods Finance Charges. This means if you did not pay the Now Balance shown On lha billing statement you received dunmg the previous blBUtg period by the Payment Due Date shown on that statement we will impose Periodic Finance Charges on new purchases that first appeared on that all statement as well as now purchases that first appear on the current trilling statement unless we already imposed Periodic Finance Charges on the purchases on your previous billing statement We compute the Averse Daily Balance for each transaction category by adding up all the dairy balances in a billing period for a transaction caregprY and dividing the total the number of days to the trilling cycle. We compute the daily balance for each tran 'ate "Y pn each day by 7ks1 adtlinp the 1o11owing to a previous day's dairy balantte: traresrctians made that desySr, fees charger} that day snie Frn me Charges accrued on the previous days tails balance; and by then subtracting any credos and payments that ae *Voed apoF1tN Vrti OUancx of the transaction category on that day. In calculating the daily balance for the previous bi0in period, we consider flee "pravbus cat's 04 tolance" to have been zero on the first dayy o the billing period. If a transaction is pp? to r AcrmuAt attar the Close of the ,tutting period in which it occurs, we will treat the transaction as having occurred on the first day of f a 91ing period in which it is 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 cateoorv and lance Transfer Transaction Fee Finance Charges which are added to the a icablobalance transfer transaction category. ategory. When the spectaT rate expires, we mom the unpaid balance of are balance transfer and the Balance Transfer Transaction Fee Finance Charges-to the standard purchase transaction callegairy. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and Intl Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate woufd have expired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Thu nie-s-af brnrusM yard is iceurtd by nitenvP..r Rank Member FDIC. CARD - --- - - --- Payment Due Date $ June 5, 2007 Please make check payable to Disc a( ord. You are overlimit. Pay the sum of t thly minimum payment plus the overlimif` nt of 06 SDSN6A01 0002383 $196.35. SPEAKMAN, ROBERT B Make payments on your schedule, in 341 E MEADOW DR advance or on the same day as your due date. Visit Disooveroard.com/payments MECHANICSBURG PA 17055-5168 to make an online payment today. PO BOX 15251 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space above, or go to Discovercard.com. Print your email address to receive important Account information and special offers. 000006011002798373221051963500000000027500 Discover More Card Account Summary Closing Date: May 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $4,965.42 Payment Due Date June 5, 2007 Payments And Credits 0.00 Minimum Payment Due $275.00 Purchases + 110.55 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 120.38 Cash Credit Available $0.00 New Balance $5,196.35 Cashback Bonus® Opening Cashback Bonus Balance $ 0.36 New Cashback Bonus Earned + 0.08 Cashback Bonus Balance $ 0.44 Cashback-Bonus®-Anniversary - .. ..Available to RoJeem ..... .... ..0.00. 'Date: July 6 How Can We Help You? For Account Inquiries, write to us at: Please have your Discover Card available. Discover More Card, PO Box 30943 Salt Lake City, UT 8,4130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1.800-DISCOVER (1-800.347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Apr 10 Apr 10 TM *DISNEY ON ICE : 10 215-336-2000 NY $ 32.55 PH15CC9712-5 78 10 Other/Miscellaneous May 6 May 6 OVERLIMIT FEE 39.00 May 6 May 6 LATE FEE 39.00 Information For You * * * ATTENTION *' * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. - 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 $5052.61 0.07942% 28.99% V 28.99% $120.38 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $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, see the back of each page for additional important information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. U) 0 Lost or stolen cards. Report immediately! Call 1400-347-2883. Z BIIBng Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or It you need more information about a o transaction on your bill, write us on a separate shoat of paper at Discover Moreau ; P.O. Box 15192; W+lmiogtori, W 19860-5192, as soon as possible. We must hear item 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 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 J You do not have to pay any amount in question while we are investigating, but you are still obi gated to pay the parts of your bill that are not in question. While we investigate your question, we canna report you as deknquent of take any action to collect the amount you question. SpeNal 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 the problem With the merchant Yal mayy rirtt have to pay the remain 'amount due on the goods of services. You have this protection only when the purchase price was more han $ ?50 and the purchase was made your home Kate or within 100 miles of your mailing address. (H we own or operate the merchant, or if we meiled you the adverDSement for the goods or sewleas, all purchases are covered regardless of the amount or location of purchase.) Payments. Payments. Send only your payment and the top portion of this statement in the envelope provided, 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 your account at the financial institution indicated on your check or to process t(hheep?ayrrtenl as a check formation If pa nt is ocassad as an electronic fund transfer, the transfer will be for the amount of the check. VYhern we use information from your c WR to mull on 4,OMram fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your paymcat,.if you.send the payment to any other address of if you use an envelopeeo0ner than the one provided, Payments focelved on or anti 1 PM Mondse?yelhrouph Fridayyoorreon a YOU misplaced DisckwretlBankbaPO holiday 52511 Wdm?nO don DE 1986-6251. ou8PIe the ailowt7 1bukilili 0y lhttt your payment . is retuened uwve reimvstth right to resubmit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone. Cali us at 1.000.347.2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all tr lbrts must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By ehtermg those numbers as electronic sgnatum, you will be agreeing to this authorization to allow us and your bank to deduct each paymnt atrize, in fie by you from r ba nk- accounC In order to cancel a payment we must receive notice at least ht feu dW In alliance of the scfiulhNad nL YOu may rut ffiry us by phone at 1.800-347.2683 or by mail at address listed in the previous paragraph. Credit Reportl?qWe may report Information about your account to credit bureaus. Late meats, missed ? n yments, or other defaults on your account Moy be -reflected in your credit report We n3fmalry report the status and payment h m ofi yyoonix Ac?ut to credit poAilg aiDgr!rfes each month. If you believe that our report is inaccurate or incomplete. please write us-at the fopow!ng law Discover More Card, PO flak 16316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. o your Account PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the tfansection is R; until the date you pay your entire New Balance by making payments or receiving credits. However, we will praride the f" race period." If Yyoou paid the New Balance on your previous bill{ rug statement by the Payment Due Date shown on that ?statement, and alance by [he Payment Due Date on this statement we wB? !net impose Periodic iF hence Changes oiodi nefi Run Qhailes, that-a, puro?fist a= on this statement Otherwise, you will receive a billing statement next month that includdeess Pe ri Ch ges on those new purchases re is no grace period on balance transfers or cash advances. We sort your transactions into foups of urchases, cash advances, and balance transfers and then further soft the transactions within each group by their Annual Percentage Raoa exam?le purchases subject to a promotional rate and purchases subject to a standard fate would be separate groups We refer o these groups as transaction ca res. Al Ne end of tech tilling perked-wvt campule bairnces and Periodic Finmce Charges for each day of the billin period for each lransacliorn. We use the fat atop to computt PerlGdic Finance Charges for each transaction category Avera a Daffy Balance x number of days in the blBiFlg perod x tHl?y? Rao. t5se Uie lirwnce cblerpe sumN on your statement or these amounts}a Then we add up the Perc Finance Charges fa each Uansaeborn catsgay o t the total Periogic Finance Charges tgr your Account the Average Daily Balance is shown as zero because of the glare period, no PtriaTic Finance Charges apply to the balance In a transaction rateg 'y 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 Babinec shown on the bil9ng statement yti received the previous billing period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purchases that f appoefed on that btikng statement, as well as new purchases that first appear on the current billing statement, unless we already unposed Perm inane Charges on the purchases on your previous billing statement We compute the Average Dairy Balance for each transaction categorryy by adding up all the daily balances In a billing period for a transaction ca and dividing the total by. the number of days in the billin cycle. We canpuo the daily balance for each bra lion ry on each day by its adding the ToWwmy to te previous day s dagy batar>ce: Ugislsactioa made that day toes char that and c m nee Charges accrued on the previous days Gail1yy balance; and DY then subUac arty credits and paymartts, that are s ea a tttG palance of the trs fultation category on that day. to cork misting the daily balance for the billino gelled, orb cortsirkr the " s dafgr batanee" to have been zero on the, first tlaY of the Dllling period. If a Uanaetlon is lei yourA?wr ni anal the dose of he billing rod le which it occurs, we will treat the transaction as having occurred on the first day of he billing period in which K fs 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 cal and Balance Transfer Transaction Fee Finance Charges. which are added to The applicable balance transfer transaction category. the specwT ntie expires , we time the unpaid balance of the balance ransfer and the Balance Transfer Transaction Fee Finance Charpslo 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. For TOD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. The DisrnverrA MoreaM Card is issued by Disr•.nver Rank Member FDIr. ,, , sv.oa pt ro.uu Inter Amount tnctosed be(aW CARD -- - - ---- Payment Due Date ? July 5, 2007 Please make check payable to Discover Card. hl f h y e mont t You are overlim it. Pay the sum o minimum payment plus the overlimit amount of $199.32. 06 SDSN6A01 0002384 SPEAKMAN, ROBERT B Make payments on your schedule, in advance or on the same day as your due 341 E MEADOW DR date. Visit Disooveroard.com/payments MECHANICSBURG PA 17055-5168 to make an online payment today. PO BOX 15251 111 1111111111111111 11111111 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. 000006011002798373221051993200000000021500 Discover More Card Account Summary Closing Date: June 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $5,196.35 Payment Due Date July 5, 2007 Payments And Credits 200.00 Minimum Payment Due $215.00 Purchases + 78.00 Credit Limit $5,000.00 Cash Advances + 0,00 Credit Available $0.00 Balance Transfers + 0.00 ,Cash Credit limit $2,500.00 Finance Charges + 124.97 Cash Credit Available $0.00 New Balance _ $5,199.32 Cashback Bonus Opening Cashback Bonus Balance $ 0.44 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.44 Cashback BonusO Anniversary Ay-ailable to Redeem $ . D 00 Date: July 6 How Can We Help You? For Account Inquiries, write to us at: Discover More Card, PO Box 30943 Please have our Discover Card available. Y Salt Lake City, UT 84130 ,Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1.800.347.2683) For assistance, see reverse side. 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 10 May 10 INTERNET PAYMENT -THANK YOU $ -200.00 ,Other/Miscellaneous Jun 6 Jun 6 OVERLIMIT FEE 39.00 Jun 6 Jun 6 LATE FEE 39.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE ,RATE: 28.99%. Rate is subject to the terms of the offer including expiration. * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 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 $5076.13 0.07942% 28.99% V 28.99% $124.97 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (VI 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 intotnUhon. See your Cardmenober Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1-500-947-2589. BONng Rights Summary. in Case of Errors or Questions About Your Bill: If you think your bill is wren? y, or if yyoouu need more information about a o transacton on your bill, write us on a separate street of paper at Discover M re am ; P.O. Box 1511 Wilmington, DE 19850.5192, as sown as possible. We must hear from you no later than 6g days after we sent you the first bill on which the error or problem appeared. You can telephone us, Art doing so will not preserve your rights. In your latter, 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 y? 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 V question. While we investigate your question, we cannot report you as delinquent or lake any action to collect the amount you question. Special 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?yy not have to y the remaining amount due an the goods or services. You have this protection only when the purchase price was more than S50 and the purchase was made at your home stale or within 100 miles of your mailing address. (1f 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. Payments Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an efsoUOilic fund transfer from your account at the financial institution indicated on your check or to process the payment as. a check transaction. K is processed as an electronic fund Uanster, the transfer will be for the amount of the check. When we use information from your claisek to make an electroriic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check track from your financial institution. The processing of your payment may be delayed it you send cash, correspondence or other items with your aYrnent, if you. send the. payment to received throu?rYgFriday or on a on or weekendrordbank hdbay?will sbe aposted toopyeouormAen amt the of hen FPM Goy. 9 you h after e1 pct an Discover Bank, PO Box 15251 Wlmi0for DE 198Bi1.5251. Please alWw, 7-10 Maya fa dallvery. H your peyrtlont returned usrrpwadkf, we ar the right to resuDmil it as an eectronic de it You can pay your minimum payment o a greater amount Over the tale tthwie GIf us at 1.800.347-2683. You mil need this statement and your bank account information. Vou must ensuro mat sufficdeht funds are oval in Your lank account and an transactions must comply with U.S. law. You will be asked !o provide the first 5 digits of your eecouM slsiement zip code. By entering mole numbers as your ekcuonic signs{ frure, you will be agreein? to this authorization to allow us and your bank to deduct atoll authorize, in the amou i by you ottr your banit actor. In order to cancel a ?yment we must receive nrlice al feat dayysm advance the Payment You may notify us by phone at 1.800.341.2683 or by mail at address listed in the previous paragraph. Credit Repertk*- We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account aiay be reflected in your credit report We normally report the status and ply history of your Account to credit r a?incies each month. If you beleve that our report is inaccurate or incomplete, please write us ai thIM, ollowing arttkosr Discover More& d?PQ Box 15316, Wilmington DE 19650.5316. 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 entire New Balance by milting yments or receiving gredits. However, we will provide the fo0dwirq " race Perrot." if you bard the New g% our your previous biOGPQ ataternenrby the, Payment Due Cale shown on mat statement, and you pay tffa kew Balance by the Payment Due Date on this statement, we wig not igioser Periodic Finance Charges on new bur that is, purc7oiwas first spear on this statement Otherwise, you will receive a billing state rr t next month that includes Periodic Finance CA?to" on those new purchases Thre is no grace period on balance transfers or cash advances. We sort your transactions into roups of their Annual Percentage Rate. 'fo exan groups. We refer to mesa groups as trait each day of the billin period W each t category. Average Daily Balance x numb these amounU Then we add up the Account The Average Daily Balance is transaction category. cash advances, and ises subject to a or as zero if, because of the grace period, urcrrases subject to a star we compute balances and within t for your in a 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 id not pay the New silence shown on the billing statement you received t:107c? the previous billing period by the Payment Due Date shown on that statement we will impose Periodic Finance Charges on new purchases that fiirsl appewed 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 compile the Average Daily Balance for each transaction categoy DY adding up all the daily balances in a tahirlgg period far a transaction ?ale?ry and divitlingg the total pV the number of d in the billing cycle. VPe compute the daffy balance for each transaction category on each day by if rot adding the lollowin to the previous day s deify DahtrlCp: Uansacliors made mat day, leas charger! mil day and Porlodic Finance Afarpts accrued on the previous day s aaiN balance; and by than wbfractirlp any credits and payments mat are aPpled agarrol the balance of the Uar»;actton category on that day. In calculating the daffy balance for the pr Dklno poilpd we consider me "pradnoais r4y s daiW bllanee" to nave been zero on the first day o1 the billing period. it a transaction is? t? r Iccougt fnRer me close of ltie ou0ng pmrwd In which d{ occurs we wits treat the transac ion as having occurred on th it firs{ day of g errod in wtrkh it is 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 apphcabie cash advance transaction catom and Balance Transfer Transaction Fee EF nca Charges which are added to the a icable balance transfer transaction category. When the specie ra expims, we mime the unpaid balance- of the balance transfer -to -the ftm. and the Balance ransfer Transaction Fee Finance Char standard purchase cali er. N the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the lance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommmlestlons Device for the Deaf) assistance, please call 1400-347-7449, t.- ---- 11-AM I- ;• ,e,.,,en h., ni-n- nano m-hnr friar V f? ik CARD 06 SDSN6A01 0002365 SPEAKMAN, ROBERT 341 E MEADOW DR MECHANICSBURG PA .JJ,yVL.VJ t JJJV.VV I L111"I r 111VVI11 LIILIU40U UVIVYY Payment Due Dole $ August 5, 2007 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $402.63. B Make payments on your schedule, in advance or on the same day as your due date. Visit Dlscoveroard.com/payments 17055-5168 to make an online payment today. PO BOX 15251 111] ILIA fill WILMINGTON DE 19886-5251 Address, e-mail or telephone changes Print change in space 1111111111111111111111I11111111111111I I I I111I I I I1I1111I I l111ll above, or go to Discovercard.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221054026300000000035600 Discover More Card Account Summary Closing Date: July 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $5,199.32 Payment Due Date August 5, 2007 Payments And Credits 0.00 Minimum Payment Due $356.00 Purchases + 78.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance Charges + 125.31 Cash Credit Available $0.00 New Balance = $5,402.63 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.44 0 New Cashback Bonus Earned + 0.0 Cashback Bonus Balance $ 0.44 Cashback Bonus®-Anniversary Available to Redeem . $ ... . .. -0.100_ Date: July 6 You? How Can We Hel For Account Inquiries, write to us at: p Discover More Card, PO Box 30943 Please have your Discover Card available. Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Jul 6 Jul 6 OVERLIMIT FEE $ 39.00 Jul 6 Jul 6 LATE FEE 39.00 Information For You * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. Soon we'll no longer be printing your full account number on your statement. It's just another way to keep your information safe. But of course, if for any reason you need your full account number, it'll still be right There on your card. 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 $5259.63 0.07942% 28.99% V 28.99% $125.31 none Cash Advances $0 0.07942% 28.99% V 28.99% $0 $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, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1-800-947.2683. Bi0btg Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill is wr or if you need more information about a c transaction on your bill, write us on a separate sleet of paper at Discover More sM; P.O. Box 15102; Wilmngton, Of 19650.51.92, as soon as post" 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 doing so will not preserve your rights In your letter, give us the following information: N a 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 X 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 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, ayorut t have to the remaining amount due on the goods or services You have this protection only when the purchase price was more 1hanr?yyGo 0 and the puree was made to your hens) state or wilhin 100 miles of your mailing address. (if we own or operate the merchant, or if we mailed you the advdrltsement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Payments. Send only your payment and the top portion of this statement in the envelope provide4. 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 your account at the financial institution indicated on your check or to process the payment as a check transaction. It payment is processed as an electronic fund Uanstei, the transfer will be for the amount of the check When we use information from your chbog to makb an akdtromic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will net receive your check back from your financial institution. The processing of your payment may be delayed 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 othepr than the one provided. Payments received on or after 1 PM Monday throegh Fripay or on a weekend or bank holiday will be posted to Your Actrount as of the next business day. R yes have misplaced your emelape, send your payment to Discover Bank, PO Box 15251 Wilmington, DE 19888.5251. Please allow 7.10 tltys to( dettvnry. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone. Call us at 1.600.347.2683. You will need this statement and your bank account informatlon. You must ensure that sufficient funds are available M 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 those numbers as yob electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct atlCh paynxnI iutwre, in the a l requosled by from i bank account In order to cancel a payment we must receive notice at least thtae da?sWr advance of the scheduled payment Y may r y us by phone at 1-800.347.2683 or by-moil at address listed in the previous paragraph. Credit Reporting. We may report information abort your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We nermaly report the status and pavmarti hl ury s y of yyppuur Account to crept re Apencbs earfi month. If you believe that our report is Inaccurate or Incorrtpeete, please write us at the o#wMg addresr. Discove Mora Card, f? Brsx 153 t 6, 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 d to your Account until the date You pay your entire New Balance, by making payments or reeonng credits. However, we will provide the f? grace period" H yyoou gold the New Balance on your previous biHtrlp statement by the Pa n! Due Dale shown on that detemant and paty Now 6!atance by the Payment Due Date on this statement we wie (A ltnpsnee Periodic Too ClNirpN ?r raw purr boson that !S ass tirot a on this statement Otherwise, you with receive a bitting statement next month that IneWd33 Periodic Finance Charges on new perch see re is no grace period on balance transfers or cash advances. We sort your transactions into roups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. Tor example purchases subiact to a DromWionai rate and purchases su*cl to standard rate would be separate groups We refer to these groupa as transaction ca mss. At the end of each baling period, we carrrpuie balances and Periodic F4wxe Charges for each day of the billing period for each transaction category.. We use the followkng aq alion to compute Periodic Finance Charges for each transaction category. Avers Daily Balance x number of days in the O81In per. x OaOv Periodic Rate. (See the finance char =,m ary an your statement for these amounts Then we add up the Periodic Finance Chan a for each tfsnaaclion cat?gpry to lhn total ac Finance Charges for your Account. The Average Dairy Balance is shown as zero if, ki' Muse of the grace period, rio 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 impase Periodic Finance Charges. This means if you did not pay the New Balance shown on the billing statnnient you =01110110 dWintt the previous bearrg period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purchases Met first appeared on that bdhng statement as well as new purchases that first appear on the current billing statement, unless we already imposer! Periodic Finance Charges out 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 billing period for a transaction ca yy and dividing the total by the number of days in the billing, cycle. yte Compute the daily balsnce for each Iran caWIypgoorryy on each day by usl adding the Tollowin to the previous day's daily baMUxe; transactions made that da , fees char d thafiftefit and Flninte Charges accrued on the previous day's gaily balance; and by then subiracGrnQ any eredts and pa n that ire tine balance of the transaction category on that day. In calculating the daiy balance for the prrtviosrs billing period, t dellir baatnce° to have been zero on the first day of te billg period. If a transaction is 90OW to your Aecowl. a nl bbilennii in which it occurs, we will treat the transaction as having occurred on the first day of the bUr4 period in which it is 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 tr aaun ?sd" catndory amf ance Transfer Transacttn Fee F' Charges vrhloh are added tolhe applicable balance transfer transaction category. Whstn the special rui€e expires we moo the urepald batsnrx ofDalance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase trsnss@c? c Howem, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and lance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TOD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Th> n;-. -1h 1An-13M r1M ;l ,«„e.+ h., nil-- "IL' kA.Mhl. ruin J.,vu.vv i cuter Hmounr tncuosea neiow CARD - ----- - - -- Payment Due Dote September 5, 2007 Please make check payable to Discover Card. thl f h h l y e mon e sum o t imit. Pay t You are over minimum payment plus the overlimit amount of $615.23. 06 SDSN6AO1 0002386 SPEAKMAN, ROBERT B Make payments on your schedule, in advance or on the same day as your due 341 E MEADOW DR dale. Visit Disooveroard.oom/payments MECHANICSBURG PA 17055-5168 to make an online payment today. PO BOX 15251 WILMINGTON DE 19886-5251 Address, Print 'your1e-m space address to receive important Account information and special offers. 000006011002798373221056152300000000050600 Discover More Card Account Summary Closing Date: August 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $5,402.63 Payment Due Date September 5, 2007 Payments And Credits 0.00 Minimum Payment Due $506.00 Purchases + 78.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 ,Cash Credit Limit $2,500.00 Finance Charges + 134.60 Cash Credit Available $0.00 New Balance = $5,615.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.44 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.44 Cashback BonusMi Anniversary -Available to Redeem ..... $ 0.00. Date: July 6 You7 How Can We Hel for Account Inquiries, write to us at: p Card, Box 30943 Discover More have our Discover Card available. y Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1.800-DISCOVER (1-800-347-2683) For assistance, see reverse side. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans, Post Date Date Other/Miscellonsous Aug 6 Aug 6 OVERUMIT FEE $ 39.00 Aug 6 Aug 6 LATE FEE 39.00 Information For You * * * 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 Balance Rates RATES RATES CHARGES ARGES CHARGES current billing period: 31 days Purchases $5467.48 0.07942% 28.99% V 28.99% $134.60 none 'Cash Advances $0 0.07942% 28.99% V 28.99% $0 $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, see the back of each page for additional importantormation. See your Cortimember Agreement, Your Cardmember Agreement contains all the terms of your Account o Lost or stolen two. Report immediately! Call 1400447-2881, z rn BIllIng Rights Stommory. In Case of Errors or Questions About Your Bill: If you think your bill is sure ?I1Q or If you need more information about a o transaction on your bill, write us on a so rate sheet of paper at Discover More U; P.O. Box 15192; tifitm ton, DE 19850-5192, as sated as possible. S We must hear from you no later than 60 days after we sent you the first bill on which the error or probitm appeared. You can telo doing so will not preserve your rights. In your letter, give us the following information: phone us, but *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 x 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 question. While we investigate your ques ion, we cannot report you as deimquent or take any action to collect the amount you question. Special 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 may not have to ppeayr the ramie amount due on the &Ods or services. You have this protection only when the purchase price was more than $50 and the purcti?so was meek In your home state or within 100 miles of your mailing address. (if we own or rate the merchant, or it we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Payments. Send only your. payment and the (o portion of this statement in the envelope provided. 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 your account at the financial institution indicated on your check or to process the payment as a check transaction. If Payment is procassa I as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your cluck to make an atectranic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your pavmen(, it you send the payment to any other address or if you use an envelope other than the one provided. Payments received on or after 1 PM Monday through Friday or on a weekend or bank holiday will be posted to your Account as of the next buskteeS day. If Vw have misplaced your envelope, send your pyment to Discover Bank, PO Box 15261,W1 lmington, DE 19886-5251. Please allow 7.10 days for dellilvacy. It your payment is returned unpaid, we roe##eerve the right to resubmit it as an eleconic dabble You can pay your minimum payment or a greater amount over the telephone. Call us at 1-800.347.2683. You wit! need this statement and your 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 900. By enterinngg those numbers as yaw olactronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment autAorize. In the amounl recpieslad by u, from Ylwr bank account In order to cancel a payment we must receive notice at least thieo days M advance of the ?duled payment Ya may ninny 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 pa ments, missed pa nts, or other defaults On your account may be reflected in your credit report We normally report the status and payment h=I of ym Account to credit a?4cles each month. If you believe that our report is inaccurate or incomplete, please write us "the following address. Discover More Galyd Pa 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 yrou pay your entire New Balbilling lay making pa his or receiving credits. However, we will provide the fokowiny grace Aerrod It you paid the New anee on your previous staterriV 1 I?the Payment Due Data Own on that statement, and you pay flu Row glance by the Payment Due Date on this statement, we will not Wpm f hodic F nee 1? ri tlet s on nedr? purchases, that is, rchaseq first sppea gg ontrtis statement Otherwise, you will receive a billing statement next month that included Periodic Finance Charges on CC" new purchases.Th?cre is no grace period on balance transfers or cash advances. We sort your transactions into roups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. Tor example purchases suet to a p rite and purchases sut>)act to a sUndard rate woslld lea separate groups. We refer to these groups at transaction ease es. At Ue en otri acAtafDg period, sup compute twhnees and Periodic finance Charges for each day of the billing per for each trantactlon eaOi ry We use the tollewtnguaUon l01XHnPule Perirdic Finance Charges for each transacton category Averaya OaTy Balance xpnumber d days In the bilBn period x tmBy Periodic Ratrr {Soo the f ante char?a summary on yourtemena theca amounts} Than we add u the Peflodk Finance Char?es for oath transaction cataoorv to get Ue total ftrirKlic Federico Cnar s for Account The Average Dairy Balance is shown as zero if, because of the grace period, n_o Parr" Finance Charges apply to the hafance in a transaction category. We use the two-cycle average dairy 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 rkr( the previous bl0inil period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on now purchases that first appeared an that bitting stalenient, as well as new purchases that first appear on the current billing statement, unless we already imposad Periodic Finance Charges on the purchkses on your previous billing statement We compute the Avers a Daffy Batance for each transaction categoryy by adding up all the daffy balances in a t»Ilinq period for a transaction ate and dividing9 the total the number of tloys in the DiBinp cycle. We comtxrte the dairy Wlance for Dean k[ans?airon c?ttegyxy on each day by ids adding the Tollowin to a previous day s dally balance tfansactons made Ual day, foes eked that and Peripdic finance Charges accrued on the previous day s tlailY balance; and by hen subtrulutp city credNS artd p#yrrrenfs Uat are > ued a t Ue Ysaiance of the trarsaction category on That day. In cakuis rig the dairy balance for the pra+ us bdti period we carrsider the " edlolrs t da tirlanrx" to have been redo on the first day of Ue billing period. If a lransaetiar is ppd #9 relit #fler the curse Urt biHlno pnried fn which it occurs, we will treat the transaction as having occufra on the first day of ht a CBitng oiled M when it is posted to your Accoufit All tees 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 the apiplicable balance transfer transaction categgor When the special rate expires we move the unpaid balance of the balance transfer and the Balance ransfer Transaction Fee Finance Charges o the standard purchase transaction category. However, it the special rate ha? 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 (Telecommunications Device for the Deef? estiltance, please cad 1-800-347-7449. --Au n-_ .. .--.- w., n:-,.n,.". O- t, R?GMhY1 call. v CV \. v,.av' O V Y % CARD V--------`---- Payment Due Date - October 5, 2007 Please make check payable to Discover Card. thl f h h y e mon t e sum o You are overlimit. Pay t minimum payment plus the overlimit amount of $833.14. 06 SDSN6A01 0002387 Make payments on your schedule, in SPEAKMAN, ROBERT B advance or on the same day as your due 341 E MEADOW DR date. Visit Disooveroard.oom/payments MECHANICSBURG PA 17055-5168 to make an online payment today. PO BOX 15251 11111 riIr'rI Irit rIIthill 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. 000006011002798373221058331400000000066100 Discover More Card Account Summary Closing Date: September 6, 2007 pogo 1 of 1 Account number ending in 3221 Previous Balance $5,615.23 Payment Due Date October 5, 2007 Payments And Credits 0.00 Minimum Payment Due $661.00 Purchases + 78.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 139.91 Cash Credit Available $0.00 New Balance = $5,833.14 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® opening Cashback Bonus Balance $ 0.00 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary- Available to Redeem .... 0,00. Dote: July 6 How Can We Help You? For Account Inquiries, write to us at: Discover More Card, PO Box 30943 Please have your Discover Cord ovai{able. Salt Lake City, UT 84130 Manage your account online at Discovsrcard,com TDD (Telecommunications Device for the Deafl: Customer Service: 1-800-DISCOVER (1.800-347-2683) For assistance, see reverse side. 'Transactions $0 Fraud Liabillity Guarantee Use your Discover Card with confidence. Trans. Post Date Date i Other/Miscellaneous Sep 6 Sep 6 OVERLIMIT FEE $ 39.00 Sep 6 Sep 6 LATE FEE 39.00 Information For You * * * 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 $5682.63 0.07942% 28.99% V 28.99% $139.91 none 'Cash Advances $0 0.07942% 28.99% V 28.99% $0 $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, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account v Lost or stolen cards. Report immediately! Call 1400-347-2683. Billing Rights Summary. 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 sheat of paper at Discover MoreW ; P.Q. Box 16192; NAklungton, DE 19830.5192, as won as possttria 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 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 0 X You do not have to pay any amount in question while we are investigating, atbut you army ate ?yththe amount s of Your bill that are not in V actWh question. While we investigate your question, we cannot report thou you question. Special Rule for Credit Card Purehaes: 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 may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was moreltran $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or to the merchant or if we maiad you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Payments. Send only you r payment and the top portion of this statement in the envelope provides) Donot 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 your account at the financial institution indicated on your check or to process the payment as a check transaction. II ytrmant is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your c? 11 mak alectraft fund transfer, funds noy be withdrawn from your account as soon as the same day we receive your payment, and will receive your check back from your financial institution. The processing of your payment may be delayed 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 other than the one proNidod. Payments received on or after 1 PM Monday through Friday of on a weekend or bank holiday will be posted to your Account as of the next business day. Nyou have misplaced your envelope, send your payymmeent to Discover Bank, PO Box 15251 Wilmington DE 19886.6251. Please allow 7-10 days for del". 9 your payment Is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your 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 that suftrcient funds are available in your bank account, and all transaction must c with U.S. law. You will be asked to provide the first 5 digits of your account statement lip code. By entering those numbers as y? electronic lore, you will be agreeing to this authorization to allow us and yarn bank to deduct each t yo augigite, In (he aMWM r by from your bank account In order to cancel a payment we must receive notice at least days in advance of the schsdufed y Vt gu may riMy 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 pa nUk maned pare?? or other defaults on each account may be reflected in your credit report We normally report the status and payment hvatrary offPar f t to ?ceporting month. If you believe that our report is inaccurate or incomplete, please write us at the following over Mae Card, ramie15316, 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 ppaary your entire New Balance by inkir? pay?nis or receiving credits. However we will provide the fondw ace period" 1f thou paid the New B9fonce on your previous billing slatemdrmt qp-yy the Payment 00 bate amour on Enat statamant and ou pa tame P cc >leg9 by ne Payment Due Date on this statement we will not Impose Preriock Fin once Charges on nel purchases, that is, giro aset rst sppoarirn on this statement. Otherwise, you will receive a billing statement next month that includes Periodic I once Charges on those new purehases.Th?e is no grace period on balance transfers or cash advances. We sort your transactions into roups of purchases, cash advances, and balance transfers and then further sort the transactions within each group byy their Annual Percentage Rate. Tor example purchases sukut to a romotional rile and pu bases su*ct to a standard rate would be separata groups We refer to these grouppss as transaction categories. At the end of each boring period, v? compute balances and Periodic Finance Charges for each day of the billing period fa each transaction cote We use the followlng anon to compute Periodic Finance Charges for each trarv3acuon category Avers Daly Balance x number of days in the Dal pe iod x Daily Per Role. (See the finance char9n sumrr rY on your statement for these amounts.{hen we add up the Periodic Finance Char t 1<or each transa ' category to pet the total Perk, Fhiance 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 calegmy. We use the two-cycle average dairy 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 bltkng statement you received during the previous billing period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges an now sal that fits appeared on that billing statement as well as new purchases that first appear on the current billing statement. unless we already irn d Perodic Finance Charges on the purchases on your previous billing statement transaction catogay by adding up all the daft' Ipalanccs in a bi0inQ period for a transaction ca We he the Aversj Dairy Balance fa each and ding the total the number or tlays in the billing cycle. We rwmpute the rleiy baance Fa each Vua?ctlon category op each day by ins adding the 7ollowinp lO a previous days daily balance ttsnsaclirmlms mark that dty, teas ch )Dal day anq ?fbdic Fln3nte Ch?rpes accrued on ry biracting $ny credits and paymenW toot era d agaWt ttte bairiscv of the trarction ca[spory the on pre at da vious days dalllalance; and by then w thy. I n calculathe dai Delonce for the s period, we consider the ' d s ?y balance~ w n>ive preen zero on the first daY of the bitting riod. If a transaction rs oosimd to your Agcomrnt amen the cwse sir t+iign9e/rod in which it m>ccurs, will treat lne transaction as having xcuried on the first day of the billing raid in which H a polled to ymwr 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 tranuction category and Balance Transfer Transaclion Fee Finance Charges which are added to the applicable balance transfer transaction categpoory. When the special rate expir we move the unpaid bounce of the balance transfer and the Balance Transfer Transaction Fee Finance Chargasio time standard purchase transactorm eater However: it the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of [he balance transfer and th r&. Transfer Transactor Fee 'finance Charges in the applicable transaction category until the special rate would have expired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-900-347-7449. Th. nier -dh M-PSM r -i is ieu ins hu nior - Q-1, M.-h., FmP d?.0dod'\r"'9r ??\ v.,wv.?•. I QrIU.VV i CARD `------ - - Payment Due Data November 5, 2007 06 SDSN6A01 0002388 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 caner Amount cnciosea oeiow Make payments on your schedule, in advance or an the same day as your due date. Visit Disooveroard.com/payments to make an online payment today. PO BOX 15251 1111111111111 111111 fill fill WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Print change in space (rtr(((t(tt(tr(t(tt(rt((ttt(r(ttt(t(tlr(ttttl (t(t(tttt((Ir(rt( above, or go to Discovercord.com. Print your e-mail address to receive important Account information and special offers. 000006011002798373221058331400000000077800 Discover More Card Account Summary Closing Date; October 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $5,833.14 Payment Due Date November 5, 2007 Payments And Credits 0.00 Minimum Payment Due $778.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 ,Cash Credit limit $2,500.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance a $5,83114 Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Avstiloble to Redeem. _ $ 0100. Dale: July 6 How Can We Help You? For Account Inquiries, write to us at: Please have our Discover Card available. Y Discover More Card, PO Box 30943 Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1.800-347-2683) For assistance, see reverse side 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 0.07942% 28.99% F 28.99% $0 none Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important intormatlon. If there is more than one page to this billing statement, see the back of each page for additional impodstrit information See Yaw Csrdrnember Agreement. Your Cardmember Agreement contains all the terms of your Account m 00 Lon or stolen cards. Report immediatery! Case 1400417-2589, Z BBSno RIphN Srmn?. in Case of Errors or Questions About Your Bill. If you think your bill is wron or it you need more information about a o 11=001 on your bill, write us on a separate street of paper at Der Mark am ; P.O. Box 15192; Wi gton, DE 19550.5192, as seen as possible We must hear from you no later than 60 days after we sent you the first bill on whieh the error or prot4im 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 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 X 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. Spechl Rule ad for CredN Card Purchases: Ifyo u have a problem with the quality of goods or services that you purchased with a credit card, and you.have tri in good faint to correct tfte problem with the t?orcnant gar rY not have W the rempinmg arnaunl due rot ttsas or services. You have this prolectbn ony when the purchase p?ice was. mare than 150 and the putcse was rrwde in your hrmte state o 100 miles of your mailing address (If we own or operate the merchant or if we mailed you the advertisement fa the goods or senticoa, all purdutses pro covered regardless of the amount Or location of pureft8?.) Payments. Payments. Send only your. payment and the top portion of this statement In the onvelepc provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronics fund transfer from your account at the financial institution indicated on your cheek or to process the payment as a check transaction. If payment is processed as an eleetranic fund transter, the transfer will be for the amount of the check. Whin we use information from your check to make an eloclaw c fund transfer, funds may be withdrawn from your account as soon as the sane day we receive your payment, and you will not receive year check back from your financial r payment may be delayed it you send cash, correspondence or other seems with you, Payment, if you. send the payment to ou use an envelope other than the one provide!. Payments received on of after 1 PM Monde through Friday or on a will be posted to your Account as of the next busMctas day. K you have misplaced your envempe, send your payrnrnt to 251 Wilmington, DE 19666.5251. Please allow 7-10 days for delivery U you payrnerit is returned unpaid, we reserve the ie dote !mum payment or a greater amount over the telephone. Gall us at 1-800-347.2683. You will need this statement and your You must ensure that sufficient, funs are available in your bank ac;GWAt and all tranasetiarts must comply with Us. law, de the first 5 digits of your account statement zip cotta. By anterino tow numbeis as gout alactronic signature, you will be bon to allow us and your bank to deduct each u aWliorfze, in the rut by You, from bank rap pfh?. n a °l the Z= t You may ni y us by o Dy myI?e awe mustt d inn i e prime a us pWest Credit Reporting, We mayy report information about your account to credit bureaus. Late a eats, missed payments, or other defaults on your account may be reflected in your credit report. We n6rmally teport the status and pa yin nt. of your Account to credit rcmrtirig apenotes each month. If you believe that our report is inaccurate or incomplete, please write us at e f arNNaa: Discover More sm 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 date the transaction is posted to your Account until the date you pay your entire New Balance by making payments of receiving credits However we win provide the f ace periop." If you paid the New Balance on your previous tilling staterrant by the Nifent Dui Date shown on "t stmt and uPay e ftw Balance by the Payment Due Daft on this statement we will not impose Periodic Finance Charges on new Rurdhaft??aa. that is asps use appearing on this statement Otherwise, you will receive a billing statement next month that includes Periodic Finance i:hatges on ? now purchases There is no grace period on balance transfers or cash advances. We sort your transactions into roups of their Annual Percentage Rate. Tor axon groups We refer to these grouppsg as trar each day of the bi0in period for each I category Avers Dalt Balance x numb these a"mounts. Then we add up the Account The verage Dairy Balance is transaction category. es, and to 8 a "AG, use the period x as zero it, because of the grace and Periodic Finance Charges for the 1 A a renomc rmance Ono for your Charges apply to the lance in a We use the two-cycle average dairy 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 durbnO the previous bininj period by the Payment Due Date shown on that statement we will Impose, Periodic Finance Charges on now purchases that firsdl appeared on that b Ring statement, as well as now purchases that first appear on the current bling statement unless we already imposed Periodic Finance Charges ai the purchases on your previous billing statement We compute the Average Dairy Balance for each transaction category by adding up ail the dairy balances in a Mlan period for a transaction category and dividingg the total 5Vy the number of dayys? to the bUkng Dcyycck. 1Ne compute the dairy bahnei for each trap c cat on each day by lust adding the 7ollowin0 to [he previous day s dairy balance; ttattiiedons made that day, Ices charged thatday dint Fin rice Char accrued on the previous days r7aily balance; an Dy then wbtraaviy credits and payments that tae itrplkd a9#Nrst the rice of the uaetan category on that dI in caicuta rig the daily balance for the bi8fn period; we consider the " s s dolly eoWnce" to nave been zero first on the day of the WIlino period. If a transaction is p its r Ad ounl otter the skied of the bitRng period f1n which it occurs, we will treat the transaction as having occurred on Ube first day of Uie D Ing eriod in which it is posted to yarr Account All fees charged to your Account are added to the standard purchase transaction catego with the exception or Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction categoy and lattice Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the apeciaT rate a Os, we mare UO util" balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction cale?ty: however; it the special rate has been terminated under the Default Rate Wan, 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 (Telecommunications Device for the Deaf) assistance, please call 1-800-947-7449. T%s n:-........,n u..,.eM ra,w i, mamd ht, ni-n- nano Mu rnhor Fnlr'. CARD "-`----- Payment Due Date December 5, 2007 06 SDSN6A01 0002369 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 17055-5168 s0 Make payments on your schedule, in advance or on the same day as your due dale. Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 1Hill IIll rr11r"r111111r'11 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. 000006011002798373221058331400000000089500 Discover More Card Account Summary Closing Date: November 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $5,833.14 Payment Due Date December 5, 2007 Payments And Credits 0.00 Minimum Payment Due $895.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 0.00 'Cash Credit Available $0.00 New Balance a $5,833.14 Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus®-Anniversary - -Available to Redeem .. $ 0,00 Date: July 6 How Can We Help You? For Account Inquiries, write to us at: Discover More Card, PO Box 30943 Please have your Discover Card available. Salt Lake City, UT 84130 Manage your account online at Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1.800-DISCOVER (1.800-347.2683) For assistance, see reverse side. 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 0.07942% 28.99% F 28.99% $0 none Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% $0 none 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 see the back of each page for additional important infortrgllitui - See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Cl) Lost or stolen cards. Report immediately! Call 1-000-347-2693. Z BM" Rights Summary. in Case of Errors or Questions About Your Bill: it you think your bill is wrong, or if you need more information abort a o transaction on your bill, write us on a separate sheet of paper at Discover Morass ; P.O. Box 15192; Wikirington, 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 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 X about w You do not have to pay any amount in question while we are investigating, but you are still obligated to fray the parts of your trill that are not in question. While we investigate your question, we cannot report you as delinquent or take any actian to collect the amount you question. Special Rule for Credit Card Purchases: Ifyou 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 yypouu may Fiat have to pay the remaining amount We on the goods or services. You have this protection only when the purchase price was more than :5D and the purcham was made iffyow 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 goo* or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Payments. Send only yyoour payment and the top portion of this statement in the envelope provided DD not send cash. By sending your check as described above, you authorize us to use information orr your check to mitt an electronic fund transfer from your account at the hnanciai institution indicated on your check or to process the payment as a check transaction. K ment is pioces/aq as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your cited to maki an a1/FUonk fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with you payment, if you send the payment to any other address or if you use an poste to envelope ouother than the one provided. Payments received on or after 1 PM Monday thuotigh . Fri4Y or on a DiscoverdBaor bank nkk PO Boxle1yy 525will Wllmii td on, BE 1966652518PI ase allooww 7 100 days ( delivery If yourantt is returnid unpaid, wer reserve nthe right to resubmit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone. Call us at 1-600-347.2603. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account and all transactions must comply with U.S. You will be asked to provide the first 5 digits of your account statement lip code. By entering tlwse numbers as your electronic sgyigture, you wile be agreeing to this authorization to allow us and your bank to deduct erreq t auth re. in the isnft6t by You, from ?qur bank account In order to cancel a payment we must receive notice al Ast I=" Sin advence of tiro schedUled nnl Ybu may rwgBy us by phone at 1.600.347-2663 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 payr mts, or other. defaults on your account may be reflected in your credit repel We normally report the status and pi Fit history of Your osrltt la er4dil? Jrar ties each month. If you believe that our report is inaccurate a incomplete, please write us at a following address: Mara Card, PD' Box 15316, Wilmington DE 19050.5316. 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 entire New Balance by nuking payrrants or recei+ring credits However we will proxi4e the toNOwurg "grace ppeeriod." If you paid the New Balance on your previous billing statomen by the Payment Due Date shown on (hat >falement and paY the now Balance by the Payment Due Date on this statement we will not impose Periodic 7Flnanco Chargpi on new:urchism that is, ltrr lust appea +g al this statement otherwise, you win receive a billing statement next month that include! Periodic Fi ance aon ase new purchases. ere 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 grou as transaction ca ids. t the end of each b66Fig period, we compute balances and PerralRc finance Charges for each day of the billing perod 1o each transaction ca ory. We ufe the to9oang equation to coinputo Periodic F!rranr a Chsrges to each transaction categgory. Average ?fTy Balance x number of days m a bile period x Daily Perlodk Rate. (San the finance charge summnary on your statement fa thes8 amounts. Then we add up the Periodic Finance Char?yes fa each Uansactbn ca toge l the IWaI Periodic Finance Charges for your AccounL The ?verage Daily Balance is shown as zero N, because of the grace period, no rittdre Finance Charges apply to the Daiance 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, tl4bingesp Doll on the np stlttamanl you row* ad du the previous to parted by the Payment Due Date shown on that statement we will impose Periodic financed f* on new purchases that first appeared on that statement as well as now purchases that first appear on the current billing statement unless we already imposed Periodic Finance Charges an the an your previous billing statement We compute the Average Daily Balance for each transaction cateQorYy by adding up all the daily balances in a burin period for a transaction catlee0gaayy and dividing the total by the number of days in the billing cycle YPe Paz balaince for eaoh U c on each day t lire adding the 7ollowing to the previous day's daily bpaala?nce'. transAetMn that ghat that day a wdac In ma Chouges accrued on the previous day's dall?yy balance; and by then subtricling arty e?pill payrn, that aria ire lance of the transaction category on that day. In caioulaCing the daily balance for the previous btkarg period, we consider the " sy's dairy balance" to have been zero on the first day of the billing period: It a transaction is posted to r Account after the close of ht a bi{kng period in which it occurs, we will treat the transaction as having occurred on the first day of (he billing beriod in which it is posted to your Accou t 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 Ch which are added to the applicable balance transfer transaction category. When the apeciaT rain expires we rmwlie the unpaid balance of Ure balapUansfar and the Balance Transfer Transaction Fee Finance Charrges-to-the standard purchase transaction ca Howeveir, if the special rate has been terminated under the Default Rate Plan, we leave the uinppid balance of the balance transfer and lance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-900-347-7449. The Discover* Moresm Card is issued by Discover Bank Member FDIC CARD 06 S0SN6A01 0002390 SPEAKMAN, ROBERT B 341 E MEADOW DR MECHANICSBURG PA 1705515168 f Y r,v ra.vv uuvr nrriUuin LM1Vb%$U OUNVY Payment Due Date $ January 5, 2008 Make payments on your schedule, in advance or on the same day as your due date. Visit Disooveroard.oom/payments to make an online payment today. PO BOX 15251 91 11111111 1111 11 11 WILMINGTON DE 19886-5251 Address, e-mail or telephone change? Printnge in space above, or go to Discovercard.com. Print yo e-mail address to r receive important Account information and special offers. 000006011002798373221058331400000000101200 Discover More Card Account Summary Closing Date: December 6, 2007 page 1 of 1 Account number ending in 3221 Previous Balance $5,833.14 'Payment Due Date January 5, 2008 Payments And Credits 0.00 Minimum Payment Due $1,012.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $5,833.14 :Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary ..Available to Redeem ... - $ 0,00 Date: July 6 HOW Can We Help You? For Account inquiries, write to us at: Please have your Discover Card available. Discover More Card, PO Box 30943 Salt Lake City, UT 84130 Manage your account online of Discovercard.com TDD (Telecommunications Device for the Deaf): Customer Service: 1-800-DISCOVER (1-800-347-2683) For assistance, see reverse side. 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 0.07942% 28.99% F 28.99% $0 none Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 none 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, see the back of each page for additional important information. See your Cordmember Agrcemerit. Your Cardmember Agreement contains all the terms of your Account o Lost or stolen cards. Report immediateyl Call 1-800-347-21483. Z BBlhg RIQMs Summary. In Case of Errors or Questions About Your Bill: If you think your bill i wr par if You noel more information about a a transactton on your bill, writ us on a separate sheet of paper at Discover Moresm; P.O. Box 15112; ti Htdnp?rr,-DE 19850-5192, as awn as passiWe. 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 ollowing 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 X about W 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 armhoouunt you question. Spechld 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 ave tried in good faith to correct the problem with the merchant, yu may not have to ppay the remaining alnlwnt due on the goods or services. You have this protection only when the purchase price was more than $ 0 and the purchase was made in yaw horns state or wibut 100 miles of your mailing address. (If we own or operate the merchant, or it we mailed you the advertisement for the goods or services, all purchases are covered regardless o/ the amount or location of purchase.) Payments. Payments. Send only your payment and the top portion of this statement in the envelope provided. 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 your account at the financial institution indicated on your check or to process the payment as, a check transaction. If pa I. is processed as an electronic fund transfer, the transfer will be for the amount of the check. Wftn we use information from your c to make an eilec0wip fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check' back from your financial institution. The processing of your payment may be delayed if. You. send cash, correspondence or other items with your ayment if you send the. payment to any other address or it you. use an envelope other than the one provided. Payments received on or after 1 ?Nl Monday through Friday at on a weekend or bank holiday will be posted to your Account as of the next business day. If you haroe misplaced your envelope. send, yw 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 resubmit it as an alee(ronie debit You can pay your 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 that sufficient funds are available in your bank account, and all transactions must core* with US law. You will be asked to provide the first 5 digits of your account statement zip rode. By entering those numbers as r electronic swature, you will be agreeing to this authorization to allow us and your bank to deduct ??ft t ymant you autflorize, in the a reglrettert by from Ypur bank account In order to cancel a payment we must receive police al least three da s in advance of the sch uled payment You may noUry us by phone at 1.800.347-2583 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 nbrmaly report the status and payment hnNay of your Account to creditgporlitig agencies each month. If you believe that our report is inaccurate or Incomplete, please write us atthe following address: Discover More Card, Pr7 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 ppaayy your entire New dance, by making payments or receiving credits. However we wfll provide the following grace period." If You id the New Balance on your prevails billing stafemenDy the Payment Due Date shown on (hat statement and the New Balance by the ayment Due Date on this statement, we will not impose Periodic Finance Cher24s on new purchases, that is, pyrcyltoases first a on this statempaent. Otherwise, you will receive a billing statement next month that inctu? Periodic Finance Charges on [tense new purch?ie 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. example purchases suit to a promotional rat and purchases subject to a standard rat would be separate groups. We refer to these groups as transecUn categories. Al the end of each biNMp perod, we compute talances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the foilowin eupralon to a Periodic Finance Charges to each transaction category. Avers ge Daily Balance x number of days in the baling period x Dally r c Rat. (See he finance charge summary on your statement for these amounts) Then we add up the Periodic Finance Chargjel for each transaction category to get Fiance IChar?io Finance Charges for your Account The Average Daily Balance Is shown as zero if, because of the grace period, no Periodic ges apply to the tietance in a transaction category. We use the two-cycle average daily balance (includi?np 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 billarg s4,11po rt you r eived derut??g the precious tiftrig period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purc ses that f?3Yi appeared on that baling 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 r each transaction categorryv Dy adding up all the daffy balances in a Wlf period for a lnnsaction calegor We compute the Average Daffy Balance "a . MVa Compute Me 8Y halaete for colt catego stet each day by test and dividingo the toll DV the number odays in the biAinQ cycle adding the Tollotsnn to the previous day s daffy Wlance transactiasls made that daayy legs etNit tnat day an iodic mf 8nce t to es accrued on the Td ui day sncand by then sug airy craifib aon tat y. In calculang day balance for e prawous billing pefirst aof the billing per. It a transaction to your ltcotransan as having occurred on the first day of the DiBing period in wnicn it is posted t your ACCOUt`l 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 the applicable balance transfer transaction category. When the special Yale expires we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges 10 -the standard purchase tiansaclion category. However, it the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transactan Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TOO (Telecommunications Device for the Oaan assistance, please call 1-800-347-7449. The hkenuerdb MnreSM Cam is issued by DisrnvP.r Rank Martinet FDIC DISCOVER' PLATINUM IMPORTANT INFORMATION ABOUT YOUR ACCOUNT CARDMEMBER 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" section .......................... SEEPAGES 1 - 12 PRIVACY POI ICY A summary of the personal information we tolled, 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 BIWNG RIGHTS Important information about your rights and our responsibilities under the Fair Credit Billing Act ..... ••••.••••• ....................SEE PAGES 16. 17 CASHBACK BONUS* TERMS AND CONDITIONS The terms and conditions of the Cashback Bonur program, including a description of how we calculate the reward and how it is paid..... SEE PAGES 17 - 19 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..... SEEPAGES 19 - 26 0 2005 Discover Bank. Member FDIC P314001.0505TL16 o ? r 3 1QCT$° wg?apccd.da c au All T g ?«-,y ao d o C2'b'y rt7• t3 9+' A-41 4,8 ?• no d ? o ?? d ? o -? ..?Z 3' " :? '° ob• ? ac .cs ,_ ? -+ ? c„ ? u+? ? 'S j?'? b ?, •r?'? ? ??a ° •g "' gEP-? iY?? 3',?,•°?°•ygLt:dg •? ?3???'?:.-?„? ? 3?b?'"S ?,??°16 ??? ?. ? ?. ?_• 'S. "S b...?OT.?t??'?c'sOr?_-• E q ? ? '1i1C d p a irvli ?1 °? r g? t?o ,.s ? ?iL` a < ° c $ 1? ,a b rir A tea T "-G g - S ti !,-If; e a'C ?? s; c Z, a._ ?? isg_e ?bg. ,. a ????y4dn d?•"? mdyr.Zr? s'RAk a ?'' ?` YL}?g ? ?, s ?' g ESC ??ji. Ly1'e ?'`? a o o • tp? ?, Lr° e ?° b ? a r?. G '7 ?? ? •?? ? O ?r??,? ° ? ? Ct '? ~ W 7'r 'b•? G ? ? O G Q'D T ? ? ? ? ? 7N ?0 d G p '? ?o ;? 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Fo'F??c?i ta_.olcwArA ?Na AAA v va. ?E'aq,e?ACa?oLu -a 49 im • Wit. v -A a US t v g O°3v9 $f ° v N t; g 5 o ° d Aye 8 $' $ 4.1 $o a`=q? 3?o cv5>3accE g ? t caU m, t ?p,isb°^z-?o o c'Q >.;a Sig y -R.t q aE?75?°?a3? tic E-0!L=_dm ?`°?cogD?? $$ g ??jj•• y g? C q tic ?n? rcN?o+ #_pC d•c?'•?W& r+E? -$tE `oo'm To ai $?' v Sp Wig' B o ?.rnAr y j . ;$v 1 c O ra ??v °- .91 S $?- E c? ?S o }7? E e o a _? O> geq22eeor e3?? a,45 '?e'.c- ? q~? s r°?.0? G?l?p/9 $i ?-.??I•° CL yY? .fin °O'Cr Sr,? ip .i' E?'y q? C ?b 1L C It ? Yj l' _3 TU A?, $q W V ? C `, g a .? c yC 78 t?Q?p, Q"lg y?9? q? .30 O._ O C T?O L? 77 0:?•Y •r?•`C W C?,s C q?C • ?i ?-.- _E.C q? 9,'?dv8 vR bo.5 ocotc:!_ve aEnB?,cc?EovEl z°08.M I APR-11-2007 22:20 P.001 DISCOWEK CARD i YOUR DISCOVERO CARD ACCOUNT CARDMEMBER AGREEMENT ................. Wages 1-12 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 "Right to Reject Arbitration" section at page 17. PRIVACY POLICY..... ... .... Pages 73-16 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. BILLING RIGHTS ........ .. .......... . Pages 16-77 important information about your rights and our responsibilities under the Fair Credit Billing Act DESCRIPTION OF COVERAGE ............... Pages 17-25 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. GLOBAL TRAVELER'S HOTLINE .................. Page 25 The terms and conditions of this free travel assistance benefit. 02007 Dimeover Bank, Member FDIC MORAGR.0407TLt8 APR-11-2007 22:20 CARDMEMBER AGREEMENT Please read this Agreement carefully before usitV your Discover' Card Account it contains the terms and conditions of your Account some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreement shag wntrol YYe respell your y Policy for a Privacy 9 and our a ry a non ddtd inform pisputes section on 0 10 on The Arbitration of to a jury trial. includes a waiver of a number of rom. Including =th The Ri htt ct Arbitr n 11 d R j ti Bi ti th d g e a on sec o on page esc? es ure o e e proce e you mustfollow if you desire to reject the Arbitration of Disputes section. DEFINITIONS ...................................... 2 USING YOUR ACCOUNT .. ..... ......................... 2 Your Acceptance of this Agreement .......................... 2 Permitted Uses of Your Account .............................. 2 Prohibited Uses of Your Account ............................. 2 Purchases and Cash Advances in foreign Currencies ............. 3 Balance Transfers ..................................... 3 Credit Authorizations ....................................... 3 Authorized Users .......................................... 3 Unauthorized Use .......................................... 3 Your Credit Lines ........................................... 4 MAKING PAYMENTS ........................................... 4 Promise to Pa ... ...................-............ 4 Mori ft Billing Statement ................................ 4 MonPayment Options .................................. Howie Appl Payments 4 4 y .................................... Minimum Mont% Payment ................................. Skip.a-Paayymmeennt Offers ...................................... 5 5 Credit Balances ...................................... ... 5 FINANCE CHARGES .................... s How We Calculate Periodic Finance Charges ........... ......... 5 How We Calculate Your Balances .......................... . . 6 The Two-Cyde Average Daily Balance Method .................. 6 Variable or Fixed interest Rates ............................. 6 Default Rates. .................................... 6 Cash Advance Transaction Fee Finance Charges ................ 7 Balance Transfer Transaction Fee finance Charges ............... 7 Minimum Finance Charge ...................... .......... 7 . Late Fee :. ............. ...........................:.. 7 OverlimitFee......................... ..................... 7 Returned Payment Fee ...................................... 8 Returned Diswver Card Check fee ............................ 8 Pay-By-Phone fee ........................................... 8 Research Fee . ................................. 8 DEFAULT AND CANCELLATION ................................... 8 T of Default ............................................ f 8 , Consequences o Default ..................................... ll i 8 at Cance on ................................................ 8 PRIVACY AND OUR COMMUNICATIONS WITH YOU ................ . . 9 Our Privacy Polity ..................................... ... .. 9 Reporting to Credit Reporting Agencies ....................... 9 Our Communications with You ............................... 9 Releasing Information About Your Account ............... 9 Electronic Notices to You.. ... .. ........... . . . ... 9 Change of Address or Telephone Number ..................... 9 CLAIMS AND DISPUTES ......................................... 9 -1- P.002 APR-11-2007 22:20 ant Disputes ............................... 9 Notices .................. 10 ation of Disputes .....................................10 to Reject Arbitration ........................... 11 ERPRETATION OF THIS AGREEMENT .....................12 ibility .................. 12 lance with Interest Rate limitations .....................12 ning Law ................... ...............12 NT OF ACCOUNT ........................... .....12 TO THIS AGREEMENT ......................... . .......12 DEFINITIONS 'Accounr means your Discover Card Account "Authorized User means any person whom you authorize to use your Account or a Card, whether you notify us or not. 'Card' means any one or more Discover Cards issued to you or someone else with our authorization. "Pricing Schedule" means'the document accompanying your Card and Listingg the Finance charge rates that apply to your Account. The Pricing khedule is part of this Agreement. "We; °us" and "our, refer to Discover Bank, the issuer of your Discover Card. 'You; "your" or 'yours' refer to, In addition to you, the Cardmembor, any other person or persons who are also contractually liable under this Agreement USING YOUR ACCOUNT Your Acceptance of this Agreement 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 section on pa 10. You may, however, reject the Arbitration of Disputes section as explained on page 11. Permitted Uses of Your Account Your Account may be used for. • Purchases - to purchase or lease goods or services from participating merchants by pmsenting 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 checkswhrch we may fumrh to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to trans* balances from other creditoirs or to make other transactions by means of balance transfer coupons or checks in accordance with such additional terms and conditions as we may oKr from time to time. In addition, your Account may be used to guarantee reservations at partic- ipating 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. Prohibited Uses of Your Account Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agreement orfor anytransactions that are unlawful where you -2- P.003 reside or where you are physically located when you use the Account to initiate the transaction ('Prohib'ited Transactions'). Purchases and Cash Advances in Foreign Currencies, We convert purchases and cash advances made in a foreign currency to US. dollars. We use the conversion rate used by Discover Network to process the transaction in accordance with Discover Network's procedures. Currentiv. Discover Netwo?x uses a government-mandated rate, a gwmmment-published rate or the interbank exchange ratet depending on the country and currency, Regardless of source, the rate used will be the rate in effect on the date Discover Network processes the transaction or the prior business day, depending on the time received. Transactions in China are converted at a rate in effect on the date of the transaction. Balance Transfers. We may periodically offer you the opportunity to make balance transfers 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 spedal rate, hrhich will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rates section and may contain a Balance Transfer Transaction Fee FinancF Charge for each balance transfer made during the term of the offer, as disclosed 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 sub)ect to the initial special rate are referred to as special rate balance transferss; 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 #ter the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupq'n after the expiration date. Credit Authorizations. Certain transactions will require our authorization prior to completion. In spin ' Cases, you may be asked to provide identification. We have the rig not to authorize a transaction for security or other reasons. Also, if our authorzation system is not working, we may not be able to authonze a transaction. We will not be liable to you If any of these events happen. Authorized Users. if you war t to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us and destroy any Card in that perEson? possession. You can notify us by telephoning 1.800 0IX0VER (1-800.347.2683), or by writing: DISCOVER CARD, PO Box 30943, Salt Lake City, Utah 84130-0943. None of your rights under this Agreement (other thin to pay amounts owed) may be exercised any person not a party to this Agreement acting pursuant to a power o attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be s{{gqred by the person to whom it is issued. If a Card is lost or stolen, or if you t7hink that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER (1400- 347-2683), or by writing DISCOVER CARD, PO Box 30943, Salt Lake City, Utah 84130-0943. You agree to assist us in determining the facts relating to any theft or-possible unauthorized use of your Account or a Card and to comply with such procedur as we may require in connection with our investigation. If you have enro led in an automatic billing arrangement such as a monthly gym membership, and wish to continue the automatic billing arrangement, you must provide the merrhant with your new Account number. I -3- APR-11-2007 22:20 Your Credit lines. We will advise you of your Account credit line. We may impose a lower line that will apply to cash advances, referred to as the cash advance credit line. We may also impose a lower line that will apply to balancetransfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit line. If you exceed your Account cred t line, we may request immediate payment of the amount by which you exceed your Account credit line. We may increase or decrease your Account credit line, your cash advance credit fine or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit we reserve the-right to postpone for up to 15 business days redudng your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. MAIQNG PAYMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers-including applicable Finance Charges and other charges or fees, incurred by you or anyone you, authorize or permit to use your Account or a Card, even if you do not notify us that others are using your Account or a Card: If you pay us in other than U.S. dollars, we may refuse to accept the•paymerrt or charge your Account our cost to convert your payment to US. dollars. All checks mutt be drawn on funds on deposit in ita US. 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 your Account is a joint Account. each of you agrees to be liable individually and jointly for the entire amount owed on your Account We can accept late payments or partial payments or checks and money orders marked "payment in full" or with any other restyictive endorsement without losing any of our rights under this Agreement. Monthly Billing Statement We will send you is 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 bylaw, The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other char gges or fees and all payments or other credits posted to. your Amount 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 or, your monthly billing statement. and we will credit your Account In accord- ance with those terms. In addition, we reserve the right to change those terms without prior notice as permitted by law. How We Apply Payments, We will apply payments and credits to the New Balance shown on your current billing statement in order of the Annual Percentage Rate applicable to the balance of each transaction category (as referenced in the Finance Charges section), • generally from lowest to highest beginning with the balance subject to the lowest Annual Per- centage Rate. we then apply payments and credits to any new transactions using the same method. Howeve , we have the right to apply payments and credits to balances with higher Annual Percentage Rates prior to balances with lower Annual Percentage Rates, such as when there are two initial special rates applicable to your Account and the lower Annual Percentage -4.- Rate will expire before the higher Annual Percentage Rate. Minimum Monthly Payment. The Minimur Payment Due each month will be the greater of-. • the New Balance if it is less than $15; • $15 if the New Balance is $15 or more; or • any past due amount plus the greater of • 2% of the New Balance (excludin current Periodic Finance Charges, Late and Ovedimit fees) rounded-up o the nearest dollar or • current Periodic Finance Charges plus Late and CNerlimit Fees plus $15 (not to exceed 3% of the Ne Balance) rounded up to the nearest dollar. We may also include some or all the a nt by which you exceed your Account credit line. We may subtract ce in fees to calculate the Mini- mum Payment Due. The Minimum Payrnent Due will never exceed the New Balance. Paying the Minimum Payment Due may be insuffident to bring your Account balance below your Account credit line and, consequently, mayy not avoid the imposib of an additional Overlimit Fee described In the Ovedimit Fee section. skips-Payment offers. We may from tlme time allow you to not make a minimum monthly payment and will you when this option is availaple. 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 you must pay the Minimum Payment Due for the following billing periods. 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 automatically refund credit balances greater than $1 that remain In your Amount after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Char94. Periodic Finance Charges are imposed on all transactions from the date t e transaction ls posted to our Account until the date you pay your re New Balance, by making payments ,or receiving c edits. However, 'rf you paid the New Balance on your previous billing statement by the P ent Due Date shown on that statement and you pay the New Balance by he Payment Due Date on your current billing statement we wf8 not impo. Periodic Finance Charges on new purchases, that is, purchases first appearing on the current statement We call this the 'grace period." There t no grace period on balance transfers or cash advances We sort your transactions into groups of urchases, cash advances and balance transfers and then further sort the $ransactions 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 grouppss.. We refer to these groups A transaction categories At the end of each billing period, we compute lances and Periodic Finance Charges for each day of the billing Perm for each transaction category. we use the following equation to compute Periodic Finance Charges for each transaction category, Average Daily Balance x days in billing riod x Daily Periodic Rate. (You may refer to the finance charge sumrpary on your billing 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 nance Charges Ipply to the balance in a trans- action category. -5- P.004 APR-11-2007 22:20 How We Calculate Your Balances. We compute the Avenge Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by first addinngg the following to the previous day's daily balance: vansactions made Uiat day fees charged that day and Periodic Finance Charges accrued on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance.of the transaction category on that day. In cafcislating the Bail balance for the previous billing period, we consider the 'previous da daily balance" to have been zero on the fiat day of the billing period, 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 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 trans- action category and Balance Transfer Transaction Fee Finance Charges 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 to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rates section, 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 woufd have expired. The Tlivo-Cycle Averse Dail Balance Method. We use the two-cycle average dally balance linduld ng new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means re?enuied durnpay t eNow Bal nce shown on the billing statement you g the pprevious billing period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purchases that first appeared an that billing statement as well as new purchases that first appear on the current billing statement, unless we already imposed Penodic' Finance Charges on the purchases on your previous billing statement Variable or Fixed Interest Rates. The Daily Periodic Rate and corresponding Annual Percer>raQe Rate that apply to each transaction category are eithr fixed rates or variable rates as set forth in your Pricing Schede or in any special offers you receive from us. The Daily Periodic Rate h 1/365th of the corresponding 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 thisAgreement<the.Prime Rate isthe highest rate of interest listed 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 arry bank at any given time. If you have a variable rate, your Annual Percentage Rate will Increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the some month as the change in the Prime Rate. An increase in the Annual Percentage We may increase your Minimum Payment Due, Defauk Rates. Each time you do not make a required payment on time, we will increase the standard ANNUAL PERCENTAGE RATES for purchases and cash advances to fixed rates, up to a maximum of 28.99% (the "Default -6- P.0O5 Rates"). Any special rates on purchases or balance trarrfers will end and the Default Rate for purchases will apply. We will base your Default Rates on factors such as: • your current purchase APR • your payment history with us • your payment history wiUt other lenders Any Increased rate and change in type }mil apply beginning with the first day of the bil ling period in which we di8 not receive at least the Minimum Payment Due by the Payment Due Date, If your standard Annual Percent- sge Irate for purchases was increased under this or any previous version of Inc Default Rates section and, for any nine consecutive billing periods you pay at least the Minimum Payment Duey if any, by the Payment Due Date, then yourAhnual Percentage Rate for your new 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 rash advance offer, we will charge ybu a Cash Advance Transaction Fee Finance Charge of 3% of the amount bf each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $5 and no maximum. The imposition of Cash Advance Transaction Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Pe ' ntage 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 Finance 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 billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cast, advance transaction categoryland add up these amounts. Balance Transfer Transaction Fee Finance Charges. If the balance transfer offer you receive contains a Balance transfer Transaction Fee Finance Charge, we will charge you a Balance Transfer Transaction fee finance Charge for the 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 Account it will be in the amount set forth in the Pricing 55d?Iedule. The Imposition of Balance Transfer Transaction Fee Finance CI>itir may result in an Annual Percentage Rate for balance transfers (that is higher than the nominal Annual Percentage Rate. To obtain th total Finance Charge on balance transfers for each billingg period, we add any Balance Transfer Transaction Fee Finance Charges cakulated under th' Periodic Finance Charges section for each balance transfer transaction ca?egary and add up these amounts. Minimum Finance Charge. We will diarge you a minimum FINANCE CHARGE of $.50 for any bilrshg period in which some FINANCE CHARGE of less than $.50 would otherwise be imaosed. Mate Fee. We will charge you a Late lee 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 ammnt of the Late 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 that billing period. If the sum is equal to or less thin $500, the Late Fee Is $15 and d the sum is greater than $500, the late Fee is $39. Ovedimit Fee. We will charge you an Civedimit Fee each time that as of the dose of a billing period, your outstanding Account balance exceeds -7- APR-11-2007 22:21 your Account credit line. This fee may be charged even if the transaction which causes you to exceed your Account credit 8ne b authorized by is or if you exceed your Account credit line due to the posting of Finance charges or fees to your Account. The amount of the Overlknit Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the and of the billing period. If the sum 4 equal to or lessthan $500 and you exceed your credit line, the Overlimit Fee Is $15, If the sum is greater than $500 and you exceed your credit line, the Ovedimit Fee is $39. Returned Payment Fee. We will charge you a Returned Payment Fee of $35 each time you pay is with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit account 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 fiat time any payment is returned unpaid, even if it is paid upon resubmission. Retuned discover Card Check Fee. We will charge you a Returned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash.advance check, balance transfer check promotional purchase check, or other promotional check. Pay-9y-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 $t0 for each such transfer or payment Research Fee. We may charge you a Research Fee of $.5 for each co of a billing statement or sales slip that you request. However, we wilt not charge a See if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default You are in default if you become insolvent if you file a bankru tcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us if ou are declared Incompetent by'a court or if a court appoints a guardian Tor 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 aedit line or using your Card or Account for a Prohibited Transaction; or If you fail to make a required payment when due on any other account you have with us. Consequences of Default 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 Atcount to an attorney or employ an attorneyto 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 us, including fees and'costs 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 may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that we have providedyou. Yore can notN , us by telephoning 1.800-DISCOVER (18003477 2663), or bywriting DISCOVER CARD, PO Box 30943, Salt Lake City, Utah 84130.0943, of course, you will still be responsible to PV- any amount you owe us according to the terms of this Agreement, your Account Is a joint Amounj eiher Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the terms of this Agreement We may cancel or suspend your -B- Account at any time without notice. We may oose not to renew your Account (beyond the expiration date shown on t face of a Card) without notice. You must return any Card or unused the to us upon request. MVACY AND OUR COMMUNICATIONS WITH YOU our Privacy Policy. We may from time to time review your credrL employment and income records. We respect the privacy of information about you and your Account. Our Privacy Pol'rcy rndudes a summary of the personal information we collect when It may lad shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of suds inforryation with others. Please read Ito rp fully as it is part of your =Agreement Reporting to Credit Reporting Agencies, As Intl' ? ted 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, Vye normally reportto such cred"AZ ortng agencies each month. If you believe that our report of Your OUm status is inaccurate or incompplete, please write is at the following address Discover Card, PO Box 15316, Wilmington DE 19850- 5316. Please include your name, adhlress, home telephone number and Account number. our Communications with You. Our personn may listen to or record telephone calls between you and our represerftatines without notice to you as permitted by law. We nray use any medium, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone tails, a-mail and may make calls to your cell phone to contact you about your Account or offer yob products or services that may be of value to you. If you prefer not to belIcontacted in one or "tort of these ways, call us at 141WDMVER (1,800,347.2,63) or write to us at Discover Card, PO Box 15354, Wilmington, DE 19850. Releasing Information About Your Account We provide various methods by which you can obtain information about ygur Account, We will onlyy release such information to you, any Auth oriied User that our records indicate is an authorized buyer on your Accobrit and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our sea?rity measuh' cannot insure against unauthorized Inqukies You agree that at will not be responsible for the release of information to anyone who, even if ithout our authorization or permission, has gained possession, of a Chard or has learned other identifying characterrstks about you suds as your persona) identification number, Account number or soda, security number. Electronic Notices to You. We may offer you the opportunity to receive certain notiries from us electronically rathea than through the mail, including monthly billing statements and chahye of terms notices. The terms and conditionsfor receiving these electrdnrc communications will be described in the offer. Change of Address or Telephone Number. If you change your address or telephone number ou must notify us of youd new address or telepphone numberwthin t5 days. You can ratify us by telephoning 1.60dDISCOVER (1-600.347-2683) or by writing DISCOVER CARD, PO Box 30943, Salt Lake Cl% Utah 84130-0943. 1 CLAIMS AND DISPUTES Merchant Disputes: We are not responsible fdr the refusal of anyone to accept or honor a Card or to accept checks tha- we have provided you. If a merchant fails to provide your purchase to your satisfaction and you -9- P.006 APR-11-2007 22:22 request a credit to your Account we will investigate the dispute. ff we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant and/or any third party for the credited amount Upon our request, you agree to provide us wilt written evidence of such assignment Claim Notices. In the event that you or we have a claim that arises from or relates to your Account, ark prior account you had with us, your appli- cation, the relationships which result from your Account or the enforce. ability of the Agreement or any prior agreement, before initiating, Dining or rparticirating in any judidal or arbitration proceeding, as eithe an individua litigant or member of a class ("Proceeding''), the complaining party, shall give the other party: (1) a written notice of the claim ('Claim Notice'), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any s&P orting fads, and {2) a reasonable good faith o my to resolve claim without the necessity of a Proceeding. is Includes any claims Involving our parent corporation, subsidiaries, affiliates (including, without limitation, Discover Financial Services LLq, predecessor, successors, assign; as well as the officer, director and employees of each of these entities. Any Claim Notice shall be sent to us at PO Box 3024, New Albany, Ohio 43054 (or such other address as we shall subsequently provide to you) (the 'Claim Notice Address') or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbirmte. In the event of any past, present or future claim or dispute (whether based upon contract tort statute, Common law or equity) between you and us arising from or relating to your Account; any prior account you have had with us, your a lication, the relationships which result from your Account or the enn orceabiliity 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 br bin inq arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM iN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND'P05T-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 LMGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Vass Action Waiver). Notwithstanding anything else to the contrary in this arbitration provision, orill, a court and not an arbitrator, shall determine the validity and effect ofthe Class Action Waivu. Even if all parties have opted to litigate a claim in court you or we may elect arbitration with respell to any claim made by anew party or an new claims later asserted In that lawsuit acrd 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 state's equivalent corm, If any, unless such action 6 transferred, removed or appealed to a different court Governing Law and Rules, Your Account Involves interstate commerce and this provislon-shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted at the option of whoever files the arbi- tration claim, by eitherthe American Arbitration Association (AAA) or the National Arbitration Forum (NAF) in accordance with their procedures in effect when the claim 4 filed. For a copy of their procedures, to flea claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, xo%w,#drc (phone 1.800.778.7879) or NAF at PO -10- Box 50191, Minneapolis, MN $5405 (phoy a 1-8*474-2371). No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both parties. Unless consented to by all parties, no arbittrra?ttion may be administered by any administrator that has any formal or inf wmal policy, rule orprocedure that 4 inconsistent with or purports to oveWe the terms of this section. Fees and Cosfx At your written request we will advance any arbibration filing, administrative and hearing fees whit 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 PO Box 15192, Wilmington, DE 19886- 1020, The arbitrator will decide who willluhimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you 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 arty fees or costs incurred by us in connection with an arbitration proceeding where such a ayment or reimbursement is prohibited by applicable flaw. Hear' and Decisions. Any arbitration learing will take place in the federal 'udidal district where you rest The arbitrator shall follow applicab substantive taw 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 tG award all remedies permitted by the substantive laws that would apply if the action were pending in court If requested by any patty, the arbitrator shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds 5100,000, any pa, ma appeal the award within 30 days to a three-arbitrator panel, whi shall review the award de now. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regaoless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration adminlstrator and the arbitrators in connection with the appeal. Judgment uppp??gn -any award by the arbitrator may be enforced in any court having jud on, Other Beneffdaries of this Provision. Our ri hts and obliigalions under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations subsidiaries, affiliateslf nduding, without limitation, Discover Financial Services LLC), predecessors, successor, assigns, as well as the officer, director and emV(oyees of each of these entities, and will also Inureto the benefit of anythird party named as a codefendant with us or with any of the foregoing in a claim which is subject to this arbitration rovision. Your rights and obligations under this arbitration provision shall Pnure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorised User of the Account Survival of this Provision. This arbitration ovision shall survive termina- tion of your Account as well as voluntary p yment in full by you, anyy legal proceedings by us to collect a debt owed by you, any bankruptcy o you and any sale by us of your Account Right to Reject Arbitration. You may reje'et the Arbitration of Disputes section by providing us a notice of reiectio within 30 days after receiving a Card, at the following address: Disco. Card, PO Box 30938, Salt Lake City, UT 94130A93B. If you were previotaly subject to arbitration with respect to any account with us, this right to(rejed crib tration will not apply to you. Your rejection notice must include pour name, address, telephone number, Account number and signature and must not be sent with any -11- ?.007 APR-11-2007 22:22 other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner orformat that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by directly and not through a third party. Rejection of arbltre, u?i not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes ff you do not send a rejection notice, you wilt be obligated by the Arbitration of Disputes section with respect to thisand any ore nt ouyou have had with us, even If you have previously sent a reje notice with resped to that prior account LEGAL INTERPRETATION OF THIS AGREEMENT Severability. If airy part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Warner 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 deter- mined 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 you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies. Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or arty portion thereof vv t out notice to you. You may not sell, assign or transfer your Account with- out first obtaining our prior written consent. CHANGES TO THIS AGREEMENT We may change any term or part of this Agreement including, but-not limited to any finance charge rate, fee or method of corn r balance upon which the finance charge rate is assessed or add any new term or part to this Agreement If required by law we will send you a written or electronicalIX delivered notice at least 15 days before the change is to become effective. We may apply any such change to the outstanding balance of your Account on the ectnre "of the change and to new charges made after that date. You may be offered the opportunity to reject some of the changes, and if you do, you must notify us In writing or electronically within 15 days after the mar nfng 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 existing terms of the unchangged Agreement Otherwise, you will have agreed to the dranges in the notice. Use of your Account after the effective•date of the change will be deemed acceptance of the new terms as of such effective date, even if you pre• viously notified us that you did not•agme to the change. wa may also change any term of any product, service or benefit offered in connection with your Account We will notify you as required by law or by the terms of the product, service or benefit -12- P. 008 PRIVACY POUCY We Respect Your Privacy our mission Is to ovide you widh superior products and services, along with the peace of mind knowing that the security of your personal infor- mation Is our top priority. W. understand your concerns about guarding information about you and your Auount. We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our e rtsto meet these objectives. It includes a summary of the following Imporltant information: • A fisting of the personal information we collect; • The circumstances in which cad may share information with others; The nd ways we safeguard the confidentiality and security of information; • a • The steps you may take to Rmit our sharing of such information with others. See Section 4 on page 4 for complete deta14. Please read our Privacy Policy care Ily. it will help you understand how we collect and share information. f. What Personal lydormation,Do a Collect? To serve you better and manage our business, It is important that we collect and maintain accurate pers I Information about you. We obtain this information from applications and other forms you submitto 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 IRS your name, address and date of birth from applications and other fom?hs you submit to us. • We may obtain information such as Account balances, payment history, your use of your Account and the pes of services you prefer from-your transactions and other dealings ' ' us and others. • We may obtain information such sthe balances of your loans with other lenders and agencies. your payment history with others from consumer reporting • We may obtain information such as your Internet service provider, your email address your computers operating system and Web browser, your Web she use and your product and service preferences from your visas to Web ekes. L 2 is Personal Information•Shamd With Others? We limit the sharing of information with others. Many of the offers you receive for products and services ae provided directly to you from us. For example, a retailer that accepts the Discover' Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the natore of- the offer and the comm. we will create a list of Cardmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf of the retailer by for example, including an insert in their monthly billing state Fnent or matting the offer ourselves. We control tho information used to make the offer, we do not share the list or any Information about our ce? embers with the retailer. However, please understand that if you do receive this type of offer from us and cmooso to take adventt??ee of it, a retailer may then learn information aboutyoubecause onlyCardme erswithcertain characteristics received the offer. There are, however, circumstances in which we may share the information 713- APR-11-2007 22:22 we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these ies to adhere to our vary standards and to use this information only the limited purpose for which it was shared, We do not allow themto'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 corporate family offers a wide vanety of products and services that can help you manage your finances In order to provide you with access to these products and services, we may, share the informationwe tolled 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 management services, investment opportunities and mutual funds, and may include nonfinancial service providers in the future as our corporate family continues to grow. b. Sharing Personal information with Non-Affillated Parties for Marketing Purposes We may share the information we collect about you, as described in Section t, with nonaffiliated third parties including those that accept the Discover Card, in order to provide you, whir access to products and services offered directly by these companies hat may be of value to you. These companies include financial service providers such as insurance com- panies,, and non-finandal companies, such as retailers r- Sharing Personal Information with Others We may share the Information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing, market research and data processing; other financial institutions with whkh we hovel1-pint marketing agreements or companies that are our partners for cobrand credit card programs or reward programs, We may also share such information as permitted by law. 3. Haw Do We Protect the Confidentiality, Security and Integrity of information About You? We maintain physical, electronic and procedural safeguards to protect the i information we, collect about you. Access to such information is restricted to individuals who need it in order to service your Amount or provide products and services to you and who are trained in the proper handling j of such information, Employees who violate these confidentiality i+ requirements are subject to our disciplinary process. Where third parties provide support services, we require them to conform to our privacy standards, It is important thatthe information we maintain aboutyou is accurate and .. complete. If you see information in your monthly billing statements or l: elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover Card, PO Box 30943, Salt Lake Gty, UT 841304943 so that we can update this information. a. How Can You Umft Sharing of Information About You? We respect your privacy and offeryou choices as to whether we may share inforaWon 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 non-affiliated third parties, You also have the option to tell us not to share certain information we collect about you, as described in Section t, with companies in our corporate family. However. this option Is limited to information about your eligibility for credit obtained from your -14- P.009 application, such as ppour income a from consumer reporting agencies, such as.your credit hhtory. rf, ou indicate a preference for either of these optlom, pleaso understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources or manage your finances. To indicate your preference; us at Discover Card, PO Box have previously notified us necessary. to do so again unl Your written request shout number and Account numbs correspondence, in order to request be provided by you dl need to provide us with your have with us. You may notify us about your pret remains in effect until you Wily us and not share this Infomnatioh ex( federal law permits us to share ii reporting agencies, service provide we have lourt marketing agreemr matron atiout our experiences aria Fro Account balance and payment history v corporate fatally. if you are a new Ca information about you, except as r provide this Policy to you in order to h about your preferences. If you are understand that you may continue from other companies that were alre sing of your request. This Privacy Policy is provided to the FF Account, However, any Joint Cardm i preferences and we will treat that r Account We do not share informatioq permitted bylaw. This notification sups Policies. We reserve the right to ame# time and we will notify you V we do sc This Privacy Polis provided to you by which currently include GTC Insurance) inc. Unless otherwise specified, it applie consumers and the products and ser viii Cards, indud'mg the Wallet Protector exception of any information regiscer? which will not be sharer)). It is part of provides a further explanation of howl You may have other right under state Please note that you will also receive p accounts youyhave with us, as well as o• ere. ereneto ou us and our s for each of theses seprotO Vermont Residents - Your state law obtain your consent prior to sharing In Except as permitted by law, we will not you with non-affiliated third parties or unless you cal) us at 1-600-DISCOVER a -15 I us at 1-8062Z5.5202 or write to t lake City, UT 84130-0961. if you ur privacy pneferertces, it is not lade to change your preferences. your name, address, telephone could not be seat with any other pwr request, we require that the not through a third party. You will is for each credit card account you ices at any time. Your request will rwisee. We will honor your request as rmitted by law. For example, nation about you with consumer d financial Institutions with which It also permits us to share Infer- ursactions with you, such as your rith us, with other members of our rdmembe; we will not share any led bylaw, for thi days afterwe v you an opportunmyto Inform us an existing Cardmembet please receive marketing offers directly f in production prior to the proces- mary Cardmember listed on the r has the right to notify us about luest as applying to the entire rout former customers, except as cedes all previously issued Privacy this Privacy Policy from time to Discover Bank and its subsidiaries, 4gency, Inc and Discover Products to the family of Discover Cards for s offered in connection with those card registration service (with the :d in connection with the service, rour Cardmember Agreement and we coiled and share information- W4 that apply to this information, rivacy notices for other credit card her r nda) products and services ?s. You will need to indicate your i as disclosed in the notice. requires financial institutions to formation about you with others. !hare information we collect about [ompanies in our corporate family Id authorize us to do so. APR-ii-2007 22:23 California Residents - Your state law requires financiai institutions to obtain your consent prior to sharing information about you with non- affiliated third parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of California. Your Bitting Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. f. Notify Us in Case of Errors or Questions About your sill If you think your bill is wrong or if you need more information about a transaction on your bill, write in 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 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. • your dollar amount of the suspected error. • describe the error and explain, if you can, why you believe there 6 an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account you can stop the payment on any amount you think s wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. 2 Your Rights and Our Responsibilities After We Receive Your Written Notice 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 vie receive your letter we cannot try to collect an amount you question or report you as delinquent We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit You do not have to pa any. questioned amount while we are investigating, but you are still obgated 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 charges related to any questioned amount If we didn't make a mistake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned amount. 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 ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally 4.1 we don't follow these rules, we can't collect the first $50 of the questioned amount even if your bill was correct -16- P.010 3. special Rule for Credit Card Pur6ases if you have a problem With the(Uality of goods or services that you purchased with a credit card, and iyou 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 goo s or services. There are two limitations on this right; " (a) you must have made the purdwse in your home state or, if not within your home state, within 100 miles cf your current mailing address; and (b) the purchase price must have been more than $50. These Rmitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. 4, Purchases Made with Checks or trash Advances The Special Rule for Credit Card P+rrchases does not apply to purchases made with a balance transfer check, cash advance or promotional pun chase check. Therefore if you have a problem with the quality of goods or services that you purchased with ii balance transfer check, promotional purchase check, cash advance chedi; or the proceeds of a cash advance, you do not have the right to withhold yment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE. Discover' More' Card- members and Discover' Open Road'" Cardmembers are provided with 5500,000 Scheduled Air Travel Accident Insurance and Discover' titanium Cardmembers are provided with $ 50,000 Scheduled Air Travel Accident Insurance." You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) will be automatically insured against Accidental Loss of tlfc arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner Card, or eligible Dependent Children for' om a ticket was purchased on your re riding as a passenger In o entering, exiting or being struck by a Scheduled Aircraft or a conv a operated by a military transport service or riding as a passenger in enterng or exitingg any conveyance licensed to carry the public for a feepand while traveling direttly to or from the a'rtport immediately preceding Eral parture of a Scheduled Aircraft on which the insured Person has ased p e and imm ediately following the arrival of a Schedule ft on which the Insured Person was a passenger. .Coverage is underwritten by nsurance Company, a member insurer of the Chubb Group of Irsfarance Companies Certain limitations and exclusions apply. PLAN FEXURES THE BENEFITS: The full Benefit Amount ($500,000 for Discover More and Discover Open Road Cardmembers? $150,000 for Discover Titanium Card- members) Is payable forAccdental Loss of L•rfe. The Lou must occur within one year of the Accident MAXIMUM UMIT OF INSURANCE: mote than one Insured Person suffers a Los in the same Accident the ompany will not pay more than the maximum limit of insurance ($20,000,000) per Accident If an Accident results in Benefit Amounts becoming payable, which when totaled , exceed the applicable limit of insurance Shown above, the maximum limit of insurance will be divided proportiorially among the insured Persons, based on each applicable Benefit Amount In the event of multiple Accidental deaths per Account arising from any one Accident the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to -17- APR-11-2007 22:23 two times the applicable Benefit Amount for Loss of Life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance. DEFINITIONS: h elements a e:ni and includes unavoidble expand osure tto arising from a covered Hazard. Acdde 1Rjl lv inihrnrf les! means bodily injurywhich is Accidental, is the direct source of a Loss, Is inde ndent of disease, illness or other cause and occurs while this polky Bin force. AGW means a Carrud account BM 12 means the Loss amount at the time the entire cost of the passenger fare Is charged to an Account -Ud means the Discover More Card, Discover Open Road Card or Discover 'titanium Card, of applicable. Sir means the holder of the Card whose name appears on the credit card, Comnarhv means the Federal Insurance Company. (mired ft means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or to m, has been charged to the insured Person's Account d n means those children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: (1) under the age of 19 and reside with the insured Person; (2) beyond the age of 19, permanently mentally or phy? call challenged, and incapable of self support; or p) under the age of P and classified as full- time students at an institution of higher learning. Domestk Partner means a person who: (1) is at least 18 years of age and competent to enter into a contract: (2) Is not related to the Insured Person by blood; (3) has exclusively rived with the Insured Person for at least one year riorto the date of enrollment (4) is not leaalh+ married or separated; and (} as of the date of enrollment has with the insured Person at least two of the following financial arrangements (a) a joint mortgage or lease; (b) a joint bank account (c) joint We to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor In a dull union with, anyone else. N r means the covered circumstances for which this insurance is provided asstated in Section III of the Declarations. Hazards, and described in the Hazards form, as described on page 1 of this Description of ugn_ means all Cardmembers, their spouses, Domestic Partners dent Children, as well as authorized users of the Account, i the Loss of life. t means death, inducing clinical death determined by the local medical authorities. :[ means Discover Financial Services LLC, the entity responsible tment of premium. Al means an aircraft owned and/or operated by a Schedu_tel Airline means an airline which is either of United States registry and certified by the United States government to carry pawn gders on a United States scheduled ben nt anor of d the aelgn r ew foreign naut1wi• by the government PProPriatu tY lt4X means hostilities following a declaration of War by a goverment - ta_ P.011 authority. If there is no declaratiIn of War, then (1) armed, open and continuous hostilities between two countries or (2) armed open and continuous hostilities between two?factions, each In control of territory, or claiming jurisdiction over the site the area of hosttlity. DISAPPEARANCE BENEFITS; If the insured Person has not been found within one year of the disappea nce, stranding, sinking, wrecking or breakdown of any Scheduled Aircr ft or conveyance in which the insured Person was covered as an occupantt,s it will be assumed subject to all other terms of the policy, that the InWred Person has suffered Loss of Life covered under this policy. EXPOSM BENEFITS: Accident ind des unavoidable exposure to elements arising from a covered Hazard. EUGIBUM This insurance plan is provided to Insured Persons auto- matipUY when the entire cost of the passenger fare(s) on a Scheduled Airline s charged to the Card bens Account while the insurance is. effective, it is not necessary for O u to notify the Policyholder or the Company when Scheduled Airline tickets are purchased. EFFECTIVE DATES: Your insurance u rider this insurance plan is effective on the later of: l) April 1, 2007; or 2) the date you become an eligible Card- member. Your insurance coverage under this insurance plan will cease on the earlier of. (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Carldmember. COST This Insurance plan 4 provided at no additional cost tD eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the insurance. THE BENEFICIARY; The Loss of Ufe enefitwill be paid to the beneficiary designated yy you. If no such designation has been made, that benefit will be paid to the first surviving beneociary in the following order a) your spouse; b) your children; c) your parents d) your brothers and sisters, e) your estate. All other indemnities will be pafdtoyou, if you wish to changge your benefidary, you may request a beneficiary designation form e writing to the plan administrator at The Direct Marketing Group, Inc. 13265 Bedford Avenue, Omaha. Nil 68164 or at BeneficiarymcluestOThe DlrectMGxcim. EXCLUSIONS: This insurance plan d not cover toss resulting from: (1) an Accident occurring while an Insured Person is in, entering, or exiting an aircraft owned, leased or operated by this Policyholder or any airmw owned, leased or operated by an empfoyee of the Policyholder on behalf of the Policyholder (thisexclusion does not apply to aircraft chartered with pilot or crew on one time charter bisis), (2) an accident while an Insured Person is in, entering, or exiting any aircraft while acting or training as a pilot or crew member (this exclusion does not apply to passengers who temporad)qq perform pilot or cro functions in a life threatening emergencyr (3) emotional trauma mental or physical illness, disease, pregnancy, childblrth or miscarriage'' bacterial or viral infection, or bodily etpo n caused by an Accident or from malfunctions (except bacterial snit Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted sukide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. a M NOTIM Written caim notice Lust be given to the Company within 90 days after the occurrence of any j oss covered by this policy or as soon as reasonably possible. Follure to give notice within 90 days will not invalidate or reduce any otherwise valid claim R notice is given as soon as reasonably possible. CLAIM FORMS: When the Compa receives notice of a claim, the - 9- APR-11-2007 22:23 Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the Loss. CLAIM PROOF OF LOSS: Complete pprroof of Loss must be given to Company within 9D days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of Loss. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Coss is received and if you, the Policyholder andforthe beneficiary have complied with all the terms of the policy. ARBITRATION: in the event of a dispute under this policy, either the Com- pany or the Insured person may make a written demand for arbitration. in that case, the Company and the Insured Person will each select an arbitra- tor. The two arbitrators will select a third. If they cannot-agree within 15 days, either the Company or the insured Person may request that the choice of arbitrator be submitted to the American Arbitration Assodation, The arbitration will be held in the state of the Insured Person's principal residence. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 14W.CLAiMS-0 (1400.2524670) OR (S7) 222.4232 You can also go to the Company Website (mmmi shu>ttuW, elide on Report a Loss, select Accident, Benefits and Life claims select theappppropri. ate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIE$ CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY P.O. BOX 4700 CHESAPEAKE; VA 23327.4700 Fax Number. 1-800-300-2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of Insurance but is a summary of the principal provisions of the insurance while in effect Complete policy provisions are contained in the Master Policy, which can be obtained from the Policyholder, Policy # 9906.1806 PCIi Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of insurance Companies Omaha, NE 68164 15 Mountain View Road, P.O. Box 1615 Warren, NJ 07061-1GSi DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE. Discover- More-, Dlscower• Open Road"' and Discover- Titanium Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. if you rent a vehicle for 31 consecutive days or less (or 45 days under certain circurstanoes described below) with your Card (as defined below), you may be eligible for benefits under this coverage. Excess -20- P.012 Collision Damage Waiver 4 an insurance pr ram, underwritten by Federal Insurance Company Policy # 9906.17-63 (e "Policy-). DEFINITIONS: AS(.Gtrd?? means a Card account h V 1 meats the cost to epair or replace the Rented Auto- mobile at the time of loss, less dep tion. rd m means the holder of the Card whose name appears on the a it card. C rd means the Discover More Card, Discover Open Road Card or Discover Titanium Card, as applicable. C"".0aigi means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object Collision Damage does not include lass caused by missiles, failing ob'ects, fire, theft or larceny, explosion, earthquake, wiridstorm, hail, water, food, malicious means the Federal Insurance Company. In means Cardmembers and authorized users of the Account means D'hscovor Finandal Services t1C, the entity responsible for t e payment of premium. RR I means a commercial automobile rental company licensed un ererr tine laws of the applicable jurisdiction. l3elSSdAtdomobile means a four-wheeled private passenger type motor vehicle or a minivan manufactured arid designed to transport a maximum of seven passengers and used excursively to can passengers. A Rented Automobile must be designed for travel on public roads and rented from Rental Agency. i TO GET COVERAGE: The Collision Damage Waiver Cover?I a 6 provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile 6 charged or debited to your Account It is not necessary for you to notify the company at the time the rental fee is charged or debited to your Amount • You must decline the LWsODamage 1{Vaiver offered by the vehicle Rental • You m rent the vehicle in your o I name and sign the vehide rental a greementkontracl •The coverage period will not ex. 31 consecutive days, or 45 consew- tive days if the Insured is an empoyee'of an organization which has pro- vided a Card to the insured for busl*A use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium ppaaid pythe Policyholder as required, and subject to all the terms of the Polk., CIEs Company agrees to reimburse on an Actual Cash value basis either the Insured or the Rental Agency for repair or rep4aicement of the Rented (Automobile as a result of Collision Damage to the Rented Automobile. Tihe Company's liability will be for a maximum reimbursement of $250001 In no event will the Company be liable beyond the amounts actually paid by the insured or the Rental Agency. I - If you or an Insured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and arty other eligible amounts not covered by otherinsurance. I • This coverage is not ail-inclusive, which means It does not cover such things as personal injury or personal liability. It does not cover you for any damages to other vehicles or prdperty, it does not cover you for any injury to any party. I . -21- APR-11-2007 22:24 WHO IS COVatED: • Discover More Cardmembers • Discover Open Road Cardmembers • Discover Titanium Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles trucks; recreational vehicles, campers, pickup trucks, and mini-buses: limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds 550,000, and antique motor vehicles are defined as any vehicle over 25• years old, or any vehicle which has not been manufactured for 10 years or' more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented in the United States and Canada only, • Coverage is not available where prohibited by law. WHAT IS no COVERED: Coverage does not apply to loss resulting from the following: • Any dishonest Irauuddu ent or criminal act of the insured. • Forgery by the insured, • Loss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination. • The Insured being intoxicated, as defined by the laws *f the jurisdiction where the loss occurred, or under the influence -of any narcotic unless prescribed by a physician, • Use of the Rented Automobile to carry passengers and property for hire. • Use of the Rented Automobile by a person other than the one author- ized to operate the Rented Automobile by the terms of the Rental Agreement • Loss of use of the Rented Automobile. • Intentional damage tothe Rented Automobile by the Insured. • Damage vahich is due and confined to wear and tear, freezing, mechani- cal or electrical breakdown or failure. • Damage to tires unless the loss Is coincident with a covered lass. • Use of the Rented Automobile in tests, races or contests. -The, Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent thatthis plan provides -insurance against damage to a rented motor vehicle, the following terms and conditions appy. (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days if the insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance cover- ing the Rented Automobile. However, the insurance. provided under this plan may be rlmary if specifically provided for under the terms of this plan and if the following criteria is met: (a) the Rented Automobile is rented for use outside the United States, its territories and possessions; (b) the insured is an employee of an organization which has provided the Card to the Insured for business use, and (c) the Rented Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COLUSION DAMAGE WAIVER In the event of a claim, written or verbal notice must be provided as soon as reasonably, possible. IF.YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALLTHE CLAIMS SERVICE CENTER AT, HWCLAIMS-0 (1400.2524670) or (757) 222.4232 -22_ P.013 You an also go to the Company Website (www.chuWman), click on Report a Loss, select Accident, I Benefits and Life daims, select the appropriate form, print out the claim form, fill out and mail, You can file a dclaim by,mail or tax Mailing Address: CHU68 GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY P.O. BOX 4700 CHESAPEAKE, VA 23327.4700 Fax Number: 1- 1300.2538 CLAIM PROCEDURE I The Insured must send the Company written notice of a claim, including the Insured's name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given vv thin that time, it mist be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following mformadon to the Company or its authorized representative: • A copy of the Account state t showing the automobile rental transaction. • A copy of the automobile rental agreement • A copy of the police report. • A copy of the initial claim report submitted to the automobile Rental I • Actnppycyyof the paid claim present d by the automobile Rental Agency for the Collision Damage for which the insured 6 responsible. • Proof of submission of the Io55 ¶0, and the results of any settlement or denial by the applicable insurance carrier(s). • If no other insurance is applicable, a notarized statement from the insured to that effect Remusder. Please refer to the Insurance Chsdosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insure ice documents. This Summary of Cover- age s not a contract of insurance but is simply an informative statement to eligible insureds of the princi I provisions of the insurance while in effect Complete provisions pertaining to this plan of insurance are contained in the master poh yy on file with Discover Financial Services LLC herein referred to as the Polfcyho der. If a statement in this Summary of Coverage and any provision in the?policy differ, the policy will govern. Policy Underwritten Byy I Plan Administrator Federal Insurance Companyy (•[omparin The Direct Marketing Group Inc a member of ti1a 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, P.O. Box P615 Warren, New Jersey 01061-165 Master Policy Number. 9906.17.63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures program descri 'lions, advertising and/or brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time, Cancellation: Policyholder an ante[ these benefits at airy time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these nefits, you will be notified at least 60 days in advance. If the Comps terminates, cancels, or chooses not to renew the coverage to Policyholder, you will be notified as soon as is 6- APR-11-2007 22:24 practicable, insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation or non- renewal, subject to the terms and conditions of coverage. Benefits to Yoe These benefits adpppply only to Cardmembers whose cards are issued by U.S. financial InsdtUtlons. The United States 4 defined as the 50 United States, the District of Columbia, American Samoa Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Card- member shall have awrry Iegal or equitable right, remedy, or claim for insurance proceeds andlor damages under or arising out of this coverage. These benefits do not app If your Card privileges have been cancelled. Howeve4 insurance beneAs will still apply for any benefit you were eligible for prior to the date that your Account Is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an insured will be void if, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepre- sented any material fact or-circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud-or false swearing by the Policyholder or its subscribing organiza- tion(s) relating hereto. Addition of New insureds: All eligible persons will be automatically insured under this Policy. Fimmination Under Oath: it is a condition of this Insurance that the Insured and the Policyholder; as often as may be reasonably required by the Company, will submit, and within its power cause others to submit, to examinations under oath and will produce for examination all writings, boots of account, bills, invoices and other vouchers, or certified copies thereof if originals are lost at such reasonable time and place as may be designated by the Comparry or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, exami- nation of documents or any other act of the Company, its employees or representatives In connection with the investigation any loss or claim will be deemed a waiver of any defense and such acts shall.be deemed to have been made or done without prejudice to the Company's (lability. No Benefit to Others: This coverage will in no way Inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation: it Is a condition of this insurance that if the Company pays the Insured for a loss, it will require the insured to assign and transfer any claim or right of action against any individual, firm or corporation for su9 loss to the Company or subrogate or hold in trust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the Companyy to enforce such rights. Upon payment by the Company to the InsLnxd,.the insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the company. -24- P.014 Arbitration: In the event of a dispke under this policy, either the Company or the Insured may make a written demand for arbitration, In that case, the Company and the Insured will each select an arbitrator. The two arbi- trators will select a third. if theyorinot agree within 15 days, either the Company or the insured mayy uest that the choice of arbitrator be submitted to the American Arbitrp ion Association. The arbitration win be held in the state of the Insured's Winciaal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDMONS The Global Traveler's Hotline provides Cardmembers and their families a wide range of free travel assisjance benefits. It is operated by AXA Assistance USA, Inc. Visit Disco ver?ard.comltravel to learn more. Eligibil'irt?. You must be a Cardme ben whose Account is in good standing, the Cardmembel's spouse or de rident child traveling with the Card- member or an Authorized User of an account in good standing. Third-Party Charges. Global Travelers Hotline is not insurance, so you will be responsible for all third party fees and expenses for services requested, such as professional or medical fq?s. Availability of Services. Certain rvices may not be available in all areas. Call us at 1.800-DISCOVER (14*347.2683) for assistance or if you have %801-902 3 00. W leGAXA Assistance will make mide the U.S, call us at ake every reasonable leffort to provide the services rredher 6(XA Assistance nor Discover Bank or our respective affiliates JI be liabie if a service is not provided or for any services that are provided by third parties The services and these terms and wnditions are subject to chapge without notice. =25- CERTIFICATE OF SERVICE, The undersigned certifies that a true and correct copy of the within Plaintiff s Notice ?' ? Pursuant to Pa.R.C.P. 1305(b) was served on the -I day of De c:, t =2009 by first class, U.S. Mail, postage-prepaid, addressed as follows: Robert B Speakman 341 E. Meadow Dr Mechanicsburg PA 17055 Benjamin R. Bibler, Esquire i REHYPICE OF THE V 1!7 ?'i 2w DEC -7 Pl! 3-- 20 "Eaglo . ` IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA \.) S' Rom- `? . ?cun 20M RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form: PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: counsel for the lainffldefendant in the above action (or actions), respectfully represents that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $ The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Re lly submitted, ORDER OF COURT AND NOW, petition, Esq., and captioned action (or actions) as prayed for. 200 , in consideration of the foregoing Esq., and Esq., are appointed arbitrators in the above By the Court, EDGAR B. BAYLEY (9 3 0-1(?qq_ l CERTIFICATE OF SERVICE A true and correct copy of the within Petition for Appointment of Arbitrators was served by U. S. rd Mail, postage prepaid, this day of"I)e-CiMber2009, upon the following: Robert Speakman 341 East Meadow Street Mechanicsburg, PA 17055 By: Benj min . Bibler,Esquire PA I D# 93598 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 ,? ?O?rar?a+r C -7 PM 3: 2S .*a4. oo P p ATTI( a3y(o31 vS CaI`eX? r? L IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. i t'?' (D Q, ? 20 -7 ?C) x car, RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form: PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: counsel for the jntipefendant in the above action (or actions), respectfully represents that: 1. The above-captioned action (or actions) is (are) at issue. g ZS J? t 2. The claim of plaintiff in the action is $ FT, The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Res ly submitted, ORDER OF COURT AND NOW, ?rtf?1/L? 1Jr '200Y , in consideration of the foregoing petition, Esq., and a".4"Q . !ails' Esq., and Esq., are appointed arbitrators in the above captioneVactio(or actions) as prayed for. By the Co It V,(A/- N • cgs-7, .T F ? , F;='r` ' : ? ?ARC! 2009 DEC 16 PH 2: 3 ! S ?-i'at Plaintiff ?d ?jeT -?-- ?, ?p?°alGr?aJ Defendant In The Court of Common Pleas of Cumberland County, Pennsylvania No. b ? - 17y6 ?- Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United Stated the Constitution of this Commo*vealth and that we will discharge the duties of our office ??es D. t:?v L6 Name (Chairman) Sale[ s PL Law Firm n 35Y QIP??'S(?n? gv" Address s? ?( PA 170/5- City, zip 575,V)IN Name Law Firm ,'" Address -Ohr,p L 9 1-7 01 City, zip signs elllAbc4k Snov"K Name Law Firm Address city, zip Award We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) , dissents. (Insert name if Date of Hearing: 3 h /1 o Date of Award: 319 11 o (Chairman) ?y Notice of ]Entry of Award Now, the 'may of 20j C , at $.M., the above award was entered upon the docket said notice thereof givers by mail to the parties or their attorneys. 3 D, [% Arbitrators' compensation to be paid upon appeal: $ By: Prothonotary Deputy -.nc PSI Z 414 ttt? ?A? -9 Ate tt ? CL? i Ilt ?E 3?q f rv ? •?,L?.... ~~ 't=ip- ,~U(T 2 Alta (05~ ~t~~~~r; ~~ ~~.,a; ~ ~~.- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. ROBERT B SPEAKMAN Defendants No. 07-7465 CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITH PREJUDICE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THiS PARTY: Matthew D Urban, Esquire PA LD #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#06307992 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER. BANK Plaintiff vs. Civil Action No. 07-7465 CIVIL TERM ROBERT B SPEAKMAN Defendants PRAECIPE TO SETTLE DISCONTINUE AND END WITH PREDJUDICE TO THE PROTHONOTARY OF COUNTY: Please kindly Settle Discontinue the above captioned matter upon the records of the Court with prejudice and mark the cost paid. Sworn to and sub: Before me the Day of Jt~1.y, 20 ] 0 Y PU corlMONwea«I of ~rwvsnvnnlrn noar~ see ~"' ~~N ~~c Member: FpH WELTMAN, WE~Ad'l3"E~G & RE1S CO., L.P.A B~ Matthew D Urba squire PA LD #90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#06307992