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HomeMy WebLinkAbout09-1290 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No : Cq - Iago 0,-VLI 1"" VS. COMPLAINT IN CIVIL ACTION ROY C MCLAIN 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 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07246737 C A Pit ABR IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No ROY C MCLAIN 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 1 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: ROY C MCLAIN 5252 E TRINDLE RD MECHANICSBURG, PA 17050 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number XXXXXXXXXXXX9362 . 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 February 16, 2009 , in the amount of $12101.75 . 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 $1500.00 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 , ROY C MCLAIN INDIVIDUALLY , in the amount of $12101.75 with interest at the legal rate of 6.000W per annum from date of judgment plus attorneys' fees of $1500.00 , and costs. Warmbrodt,42524 JaJ WEWEINBERG & REIS CO., L.P.A. 43th Avenue, Suite 1400 Pih, PA 15219 (4-7955 FAX- 338-7130 07 C A Pit ABR This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. IJFZP%.' Vttt $12,101.75- CARD 15 SDSN6AD1 0003311 ROY MCLAIN 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 ..r..... ...vc I r??wurn ivuiuueI aiiutny In 70VA $12,101.75 Enter Amount Enclosed Below Payment Due Date $?? January 14, 2009 Please make check payable to Discover Card. / Minimum WE due includes a past due amount of $ ,348.00. ?] Will your payment get tows onme$ pcSy your bill online and your payment can be made to your account on the some day. Visit Discover.com/payments today. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. PO BOX 6103 Illurlluunllrl1lnlr,ll CAROL STREAM IL 60197-6103 000001986458271370625121017500000001210175 Discover More Card Account Summary Closing Dote: December 15, 2008 page t of 1 Account number ending in Payment Due Dot 9362 Previous Balance $12,101.75 e Minimum Payment Due January 14, 2009 $12 101 75 Payments And Credits 0.00 Credit Limit , . $9,500.00 Purchases Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 France Charges + 0.00 Cash Credit Available $0.00 New Balance + 000 _ $12,101.75 Cashback Bonus® Opening Cashbock Bonus Balance $ 0 00 . New Cashback Bonus Earned ± 0.00 `Coshback BonusO Anniversary Coshback Bonus Balance $ Avoilable_to, Redeem _ $ 0.00 ..._. _ 0 00 Date: July 15 . . . __ How Can We Hel You? p ' 1 • Visit Discover corn to pay your 691 for no cost view ur latest Account information earn and red dao It s your choice - 3 ways to help , eem rswar and more 2. Call 1.800-DISCOVER (347-2683) for fast, easy 3e1F service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Finance Charge Summary Average Daily Daily P d Nominal ANNUAL ANNUAL Periodic Transaction B nces erio ic gates PERCENTAGE RATES PRATEESNTAGE F C E current billing period: 15 days C Purchases $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 none previous billing period: 25 days 0.07942% 28.99% F 28.99% $0 $0 Purchases $0 0.07942% 28.99% F 28.99% $0 The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above. none ?xHieir VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unworn falsifications to authorities, that she is Renee Livenyood (Name) Accounts Manager of DFS Services LLC , plaintiff herein, that (Title) (Company) 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 her knowledge, information and belief. ( ignature) WWR# 7246737 Roy C. Mclain '6011002130559362 Sheriffs Office of Cumberland County R Thomas Kline V,* ?c" cC'CU41hpr t? Edward L Schorpp Solicitor Sheri Ronny R Anderson Jody S Smith Chief Deputy OFfCE 1F THE S"ER+FF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 03/06/2009 11:49 AM - Noah Cline, Deputy Sheriff of Cumberland County, Pennsylvania, who being duly swom according to law, says, the within Complaint and Notice was served upon Roy C. McLain the defendant, ai 1149 hours on the 6th day of March, 2009 at 5252 E. Trindle Road Mechanicsburg, PA 17050 by handing to him personally a true and attested copy of the Complaint and Notice and at the same time directing her attention to the contents thereof. SHERIFF COST: $38.32 (PAID) March 09, 2009 Discover Bank VS Roy C. McLain 2009-1290 Civil SO ANSWERS, R THOMAS KLINE, SHERIFF Deputy Seri .ca t'^ • _: DISCOVER BANK, : Plaintiff V. ROY C. MCLAIN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 2009-1290 CIVIL TERM CIVIL ACTION-LAW PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Please enter my appearance on behalf of the Defendant, Roy C. McLain, in the above-captioned matter. Respectfully submitted, O'BRIEN, BARIC & SCHERER 4"4 L MAW A. Scherer, Esquire I.D.# 61974 Date: March 24, 2009 19 West South Street Carlisle, PA 17013 (717) 249-6873 Attorney for Defendant CERTIFICATE OF SERVICE I hereby certify that on May 24, 2006, I, Jennifer S. Lindsay, secretary at O'Brien, Baric & Scherer, did serve the Praecipe for Entry of Appearance, by first class U.S. mail, postage prepaid, to the party listed below, as follows: James C. Warmbrodt, Esquire Weltman, Weinberg & Reis, Co., LPA 436 Seventh Avenue, Suite 1400 Pittsburgh, Pennsylvania 15219 01 = t^> rt DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2009-1290 CIVIL TERM ROY C. MCLAIN, CIVIL ACTION-LAW Defendant NOTICE TO PLEAD TO: Discover Bank James C. Warmbrodt, Esquire Weltman, Weinberg & Reis, Co. 436 Seventh Avenue, Suite 1400 Pittsburgh, Pennsylvania 15219 You are hereby notified that you have twenty (20) days in which to plead to the enclosed Preliminary Objections Of Defendant, Roy C. McLain or a Default Judgment may be entered against you. O'BRIEN, BARIC & SCHERER' Michae A. Scherer, Esquire Date: I. D. # 61974 19 West South Street Carlisle, Pennsylvania 17013 (717) 249-6873 DISCOVER BANK, V. ROY C. MCLAIN, Plaintiff Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 2009-1290 CIVIL TERM CIVIL ACTION-LAW PRELIMINARY OBJECTIONS OF DEFENDANT, ROY C. MCLAIN And now, comes Roy C. McLain, by and through his attorney, Michael A. Scherer, Esquire, and avers as follows: 1. Plaintiffs complaint states at paragraph three that Defendant applied for and received a credit card from Plaintiff. 1. Violation of Pa.R.C.P. 1019(h) 2. Plaintiffs Complaint implies that there was an agreement between the parties relative to the credit card referenced in the Complaint. 3. Pa.R.C.P. 1019(h) requires that when a claim is based upon an agreement, the [Complaint] shall state specifically if the agreement is oral or written. 4. Plaintiff has failed to allege whether the alleged agreement between the parties was oral or written. II. Violation of Pa.R.C.P. 1019(i) 5. Paragraph six of the Complaint makes reference to an agreement between the parties and an obligation of Defendant to pay attorney's fees of Plaintiff. 6. Pa.R.C.P. 1019(i) requires that when a claim is based upon a writing, a copy of the writing shall be attached, or provide a reason for failing to attach said writing. 7. Plaintiff has failed to attach the applicable writing to the Complaint or otherwise explain its absence. VI. Violation of Pa.R.C.P. 1024 8. The Plaintiff is "Discover Bank." 9. The Complaint was verified by Renee Livengood, Accounts Manager for "DFS Services LLC." 10. Pa.R.C.P. 1024 requires a [Complaint] to be verified by "one or more of the parties filing the pleading..." 11. No explanation is given as to why a representative of Plaintiff did not verify the Complaint. Respectfully submitted, O'BRIEN, BARIC & SCHERER I/ &- k, / Michael A. Scherer, Esquire I.D. 61974 19 West South Street Carlisle, Pennsylvania 17013 (717) 249-6873 mas.dir/genlit/mclain/preliminaryobjections.pld CERTIFICATE OF SERVICE I hereby certify that on May 24, 2006, I, Jennifer S. Lindsay, secretary at O'Brien, Baric & Scherer, did serve the Preliminary Objections Of Defendant, Roy C. McLain, by first class U.S. mail, postage prepaid, to the party listed below, as follows: James C. Warmbrodt, Esquire Weltman, Weinberg & Reis, Co., LPA 436 Seventh Avenue, Suite 1400 Pittsburgh, Pennsylvania 15219 e-a _.? ' ?? Y- ? .a ? ? w?? ? `? ? ? i' ^Y .? ?+ ??-? . m `a ?i•r, ?. Defendants Answer to Plaintiffs Complaint HSBC Bank Nevada, N.A O Plaintiff 61 3 vs. Brian M Rank Defendant I generally deny the amount of debt. Brian Mjtmk fV4 Kw?. March 23, 2009 971 Greenspring Rd Newville PA 17241 3 1 f'n IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 09-1290 CIVIL TERM ROY C MCLAIN Defendant AMENDED COMPLAINT 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 I IAVI A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER TIIIS OFFICE MAY I3I ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-31.66 AMENDED COMPLAINT AND NOW, comes the Plaintiff, DISCOVER BANK and files an Amended Complaint, the following of which is a statement thereof: Plaintiff is DISCOVER BANK, a corporation with offices in 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054-0000. 2. Defendant, ROY C MCLAIN is an individual residing at 5252 E TRINDLE RD MECHANICSBURG, PA 17050. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. COUNT I-BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a DISCOVER BANK credit card, bearing account number XXXXXXXXXXXX9362, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "1." 6. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to what was first charge purchase goods, merchandise and services. 7. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 8. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from April 5, 2002-November 5, 2008 are attached hereto and made a part hereof as Exhibit "2." 9. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 10. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on September 12, 2008 in the amount of $200.00. 11. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 12. The balance due and owing to the Plaintiff on the aforementioned credit card account as of November 5, 2008 was $12,101.75. 13. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 14. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. 15. The Plaintiff avers that the "Default Acceleration - Collection Costs" provisions of the cardholder agreement provides that he Defendant will pay Plaintiff s reasonable attorney fees. 16. Plaintiff avers that such reasonable attorney fees shall amount to $1,500.00. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, ROY C MCLAIN in the amount of $12,101.75, with interest at the rate of 6.00% per annum from the to date of judgment plus costs and attorney's fees in the amount of $1,500.00. COUNT II-UNJUST ENRICHMENT 17. The averments contained in Paragraph 1 through 16 above, are incorporated herein by reference thereto as though herein set forth at length. 18. Defendant used his DISCOVER BANK credit card to purchased goods, merchandise, and services. 19. By making use of said card, the Defendant has had a benefit conferred upon him through the use and enjoyment of those goods, merchandise and services purchased. 20. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit "2," and as such has improperly retained the benefit(s) conferred upon him without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant ROY C MCLAIN, in the amount of $12,101.75 with interest at the rate of 6.00% per annum from the date of judgment plus costs and attorney's fees in the amount of $1,500.00. Submitted, PA I.D. 2051920 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 7246737 DISCOVER' CARD YOUR DISCOVER* CARD ACCOUNT CARDMEMBER AGREEMENT Pages 1-15 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 newAccount within 30 days after receiving your Card, as explained inthe "Right to RejectArbitration" section at page 14. PRIVACY POLICY Pages 15-18 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 as explained in section 4 of the Privacy Policy at page 17. BILLING RIGHTS Pages 18-20 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE Pages 20-28 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 28 The terms and conditions of this free travel assistance benefit. CARDMEMBER AGREEMENT Please read this Agreement carefully before using 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 shall control. We respect your privacy. See the Privacy section on page 10 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 10 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 14 describes the procedure you must follow if you desire to reject the Arbitration of Disputes section. DEFINITIONS ......................... 2 USING YOUR ACCOUNT ............... 3 ©2008 Discover Bank, Member FDIC TL20B.0508 EXH101T '- L -- z Your Acceptance of this Agreement ... 3 Permitted Uses of Your Account....... 3 Prohibited Uses of Your Account ...... 3 Purchases and Cash Advances in Foreign Currencies ......................... 3 Cash Advances ......................4 Balance Transfers ................... 4 Credit Authorizations ................ 4 Authorized Users ................... 4 Unauthorized Use ................... 4 Your Credit Lines ................... 4 MAKING PAYMENTS .................. 5 Promise to Pay ..................... 5 Monthly Billing Statement ........... 5 Monthly Payment Options ........... 5 Automatic Billing Arrangements ...... 5 How We Apply Payments ............. 6 Minimum Monthly Payment.......... 6 Skip-A-Payment Offers ............... 6 Credit Balances ..................... 6 FINANCE CHARGES 6 How We Calculate Periodic Finance Charges ............................ 6 How We Calculate Your Balances...... 7 Two-Cycle Average Daily Balance Method .................................. 7 Variable or Fixed Interest Rates ....... 8 Default Rates ....................... 8 Cash Advance Transaction Fee Finance Charges ........................... 8 Balance Transfer Transaction Fee Finance Charges ........................... 9 Minimum Finance Charge ............ 9 FEES ................................ 9 Late Fee ........................... 9 Overlimit Fee ........................ 9 Returned Payment Fee .............. 9 Returned Discover Card Check Fee.... 10 Pay-By-Phone Fee ................... 10 Research Fee ...................... 10 DEFAULT AND CANCELLATION......... 10 Types of Default .................... 10 Consequences of Default............ 10 Cancellation ........................ 10 PRIVACY AND OUR COMMUNICATIONS WITH YOU ........................... 10 Our Privacy Policy ................... 10 Reporting to Credit Reporting Agencies 11 Our Communications with You....... 11 Releasing Information About Your Account .......................... 11 Electronic Notices to You............ 11 Notices - Changes to Your Information 11 CLAIMS AND DISPUTES ............... 11 Merchant Disputes .................. 11 Claim Notices ....................... 12 Arbitration of Disputes .............. 12 Right to Reject Arbitration ........... 14 LEGAL INTERPRETATION OF THIS AGREEMENT ......................... 14 Severability ........................ 14 Compliance with Interest Rate Limitations ......................... 14 Governing Law ..................... 14 ASSIGNMENT OF ACCOUNT ............ 15 CHANGES TO THIS AGREEMENT ........ 15 DEFINITIONS "Account" 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 your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule 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 Cardmember, 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 page 12. You may, however, reject the Arbitration of Disputes section as explained on page 14. Permitted Uses of Your Account. Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automatedtellermachines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers -to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment. Your Account may be used for personal, family, household and charitable purposes. 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 or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Currencies. We convert purchases and cash advances made in a foreign currency to U.S. dollars. We use the conversion rate used by Discover Network to process the transaction in accordance with Discover Network's procedures. Currently, Discover Network uses a government-mandated rate, a government- published rate or the interbank exchange rate, 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. 3 Cash Advances. We may periodically offer you special rates on cash advances for the time period specified in the offer, subject to the Default Rates section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. After the expiration of the special rate, the standard Annual Percentage Rate for cash advances will apply. Balance Transfers. We may periodically offer you theopportunitytomake 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 special rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rates section and may contain a Balance Transfer Transaction Fee Finance 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 trans- ferred balances. Balance transfers subject to the initial special rate are referred to as special rate balance transfers; balance transfers for which the initial special rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization prior to 4 completion. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. Authorized Users. If you want 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 person's possession. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom it is issued. If a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify usbyteiephoning 1-800-DISCOVER (1-800-347-2683), or by writing Discover" Card, PO Box 30943, Salt Lake City, UT 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 procedures as we may require in connection with our investigation. 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 balance transfers, 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 credit 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 line 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 reducing 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. MAKING 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 payment or charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. If 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 restrictive endorsement without losing any of our rights under this Agreement. Monthly Billing Statement. We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account during the billing period. It will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement. See the Minimum Monthly Payment section on page 6. 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 as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms, including the payment cutoff time, stated on your monthly billing statement, and we will credit your Account in accordance with those terms. In addition, we reserve the right to change those terms without prior notice as permitted by law. Automatic Billing Arrangements. If your Account number and/or Card expiration date changes and our records indicate you have automatic billing established with a merchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that 5 you verifythe merchant has your newAccount information. You must contact the merchant directly if you do not wish to continue the automatic billing arrangement. 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 appli- cable 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 Percentage Rate. We then apply payments and credits to any new transactions using the same method. However, 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 Rate will expire before the higher Annual Percentage Rate. Minimum Monthly Payment. The Minimum 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 (excluding current Periodic Finance Charges, Late and Overlimit Fees) rounded up to the nearest dollar or • current Periodic Finance Charges plus Late and Overlimit Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. We may also include some or all the amount by which you exceed your Account credit line. If more than 90% of your New Balance consists of special-rate balance transfers, we may, at our discretion, increase your Minimum Payment Due to a maximum of 4% of the New Balance if it would otherwise be less than that. We may subtract certain fees to calculate the Minimum Payment Due. The Minimum Payment Due will never exceed the New Balance. Paying the Minimum Payment Due may be insufficient to bring your Account balance below your Account credit line and, consequently, may not avoid the imposition of an additional Overlimit Fee described in the Overlimit Fee section. Skip-A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and 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 Account after 6 months. FINANCE CHARGES How We Calculate 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, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that statement and you pay the 6 New Balance by the Payment Due Date on your current billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances and balance transfers and then furthersortthetransactions 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 refertothese groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: Average Daily Balance x days in billing period x Daily Periodic Rate. (You may referto the finance charge summary 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 Finance Charges apply to the balance in a transaction category. How We Calculate Your Balances. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing cycle. We compute thedailybaIanceforeach transaction category on each day by first adding the following to the previous day's daily balance: transactions made that day, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction categoryon that day. In calculating the daily balance for the previous billing period, we consider the "previous day's daily balance" to have been zero on the first day of the billing period. If a transaction is posted to your Account after the close 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 would have expired. Two-Cycle Average Daily Balance Method. 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 7 the billing statement you received during the previous billing period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement, as well as new purchases that first appear on the current billing statement, unless we already imposed Periodic Finance Charges on the purchases on your previous billing statement. Variable or Fixed Interest Rates. The Daily Periodic Rate and corresponding Annual Percentage Ratethat applyto each transaction category are either fixed rates or variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. Variable Annual Percentage Rates are deter- mined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For purposes of this Agreement, the Prime Rate is the 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 any 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 same month as the change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Default 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 Rates"). Any special rates on purchases, balance transfers or cash advances will end and a Default Rate will apply. We will base your Default Rates on factors such as: • your current purchase APR • your payment history with us your payment history with other lenders Any increased rate and change in type will apply beginning with the first day of the billing period in which we did not receive at least the Minimum Payment Due by the Payment Due Date. If your standard Annual Percentage Rate for purchases was increased under this or any previous version of the Default Rates section and, for any nine consecutive billing periods you pay at least the Minimum Payment Due, if any, by the Payment Due Date, then your Annual 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 cash advance offer, we will charge you a Cash Advance Transaction Fee Finance Charge of 3% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $5 and no maxi- mum. 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 Percentage Rate. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee 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 cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges. If the balance transfer offer you receive contains a Balance Transfer Trans- action Fee Finance Charge, we will charge you a Balance Transfer Transaction Fee Finance Charge 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 Schedule. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer Transaction Fee Finance Charges calculated underthe Periodic Finance Charges section for each balance transfer transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $50 for any billing period in which some FINANCE CHARGE of less than $.50 would otherwise be imposed. FEES Late Fee. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period for which we did not receive timely payment. If the sum is $250 or less, the fee is $19; if it is greater than $250, the fee is $39. Overlimit Fee. Wewill charge you an Overlimit Fee each time that, as of the close of a billing period, your outstanding Account balance exceeds your Account credit line. This fee may be charged even if the transaction which causes you to exceed your Account credit line is authorized by us or if you exceed your Account credit line due to the posting of Finance Charges or fees to your Account. The amount of the Overlimit Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period. if the sum is equal to or less than $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 Overlimit Fee is $39. Returned Payment Fee. We will charge you a Returned Payment Fee of $35 each time you pay us 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 first time any payment 9 10 is returned unpaid, even if it is paid upon resubmission. Returned Discover Card Check Fee. We will charge you a Returned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. Pay-By-Phone Fee. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will charge a Pay-By-Phone Fee of $10 for each such transfer or payment. Research Fee. We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default. You are in default if you become insolvent; if you file a bankruptcy 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 you are declared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; if you die; if you fail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your Account credit 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 Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys' fees and court or other collection costs as permitted by lawand 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 provided you. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. If your Account is a joint Account, either Cardmember may cancel the 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 Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respect the privacy of information about you and your Account. Our Privacy Policy includes a summary of the personal information we collect, when it may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement. Reporting to Credit Reporting Agencies. As indicated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover Card, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Our Communicationswith You. Our personnel may listen to or record telephone calls between you and our representatives without additional notice to you as permitted by law. We may use any medium, including but not limitedtomail, Hvetelephone calls, automated telephone equipment, prerecorded tele- phone calls, e-mail and may make calls to your cell phone to contact you about your Account or offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, telephone us at 1-800-DISCOVER (1-800-347-2683) 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 your Account. We will only release such information to you, any Authorized User that our records indicate is an authorized buyer on your Account and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristics about you such as your personal identification number, Account number or social security number.. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly billing state- ments and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices - Changes to Your Information. If you change your e-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 1-800-DISCOVER (1-800-347- 2683) or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. If your Account is a Joint Account, any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will 11 investigate the dispute. If 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 with 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, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating in any judicial or arbitration proceeding, as either an individual 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 sup- porting facts; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover Card, PO Box 3024, New Albany, OH 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 12 arbitrate. 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, yourapplication, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANYCLAIMSASAREPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything else to the contrary in this arbitration provision, only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules. Your Account involves interstate commerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or the National Arbitration Forum (NAF) in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.org (phone 1-800-778- 7879) or NAF at PO Box 50191, Minneapolis, MN 55405 (phone 1-800-474-2371). 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 arbitration may be administered by any administrator that has any formal or informal policy, rule or procedure that is inconsistent with or purports to override the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respect to which you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees and/or other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we wi I ladvanceanyarbitrationfiling, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to Discover Card, PO Box 15192, Wilmington, DE 19886-1020. The arbitrator will decide who will ultimately 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 any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. If requested by any party, the arbitrator shall write an opinion containing the reasons forthe 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 $100,000, any party may appeal the award within 30 days to a three- arbitrator panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Other Beneficiaries of this Provision. Our rights and obligations under this arbitration 13 provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, DFS Services LLQ predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termination of your Account as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. Right to Reject Arbitration. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Discover Card, PO Box 30938, Salt Lake City, LIT 84130-0938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you 14 directly and not through a third party. Rejection of arbitration will 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. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. If it is ever finally determined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that 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 any portion thereof without notice to you. You may not sell, assign or transfer your Account without 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 computing any 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 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 effective date 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 within 15 days after the mailing of the notice of change at the address provided in the notice of change, in which case your Account will be closed and you must pay us the balance that you owe us under the existing terms of the unchanged Agreement. Otherwise, you will have agreed to the changes 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 previously notified us that you did not agree to the change. We 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. PRIVACY POLICY We are required by federal law to provide you with a copy of our Privacy Policy each year. If you have previously notified us about your privacy preferences, as described in Section 4, it is not necessary to do so again unless you decide to change your preferences. We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mind knowing that the security of your personal information is our top priority. We understand your concerns about guarding information about you and your Account. 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 efforts to meet these objectives. It includes a summary of the following important information: • A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we collect and share information. 15 16 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies and from other sources, such as our Web sites. For example: • We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. • We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared with Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer 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 nature of the offer and the company, 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 Card- members on behalf of the retailer by, for example, including an insert in their monthly billing statement or mailing the offer ourselves. We control the information used to make the offer; we do not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, however, circumstances in which we may share the information 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 companies to adhere to our privacy standards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval. a. Sharing Personal Information with Our Corporate Family Our corporate family offers a variety 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 information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal Information with Non- Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Discover Card, in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and non-financial companies, such as retailers. c. Sharing Persona! 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 which we have joint 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. How Do We Protect the Confidentiality, Security and Integrity of Information about You? We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it in order to service your Account or provide products and services to you and who are trained in the proper handling of such information. Employees who violate these confidentiality 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 that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943 so that we can update this information. 4. How Can You Limit Sharing of Information About You? We respect your privacy and offer you choices as to whether we may share information 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 the information we collect aboutyou, as described in Section 1, with companies in our corporate family. If you indicate a preference for either of these options, please 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 preferences, please call us at 1-800-225-5202 or write to us at Discover Card, PO Box 30961, Salt Lake City, UT 84130- 0961. If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your written request should include your name, address, telephone number and Account number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and not through a third party. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor 17 your request and not share this information except as permitted by law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers and financial institutions with which we have joint marketing agreements. If you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior to the processing of your request. This Privacy Policy is provided to the primary Cardmember listed on the Account. However, any joint Cardmember has the right to notify us about preferences and we will treat that request as applying to the entire Account. We do not share information about former customers, except as permitted by law. This notification supercedes all previously issued Privacy Policies. We reserve the right to amend this Privacy Policy from time to time and we will notify you if we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agency, Inc. and Discover Products Inc. Unless otherwise specified, it applies to the family of Discover® Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). It is part of your Cardmember Agreement and 18 provides a further explanation of how we collect and share information. You may have other rights under state laws that apply to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 1-800-DISCOVER (1-800-347-2683) and authorize us to do so. California Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non- affiliatedthird parties while you area resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 1. Notify Us in Case of Errors or Questions About Your Bill If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we 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 is 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 is 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 we receive your letter, we cannot try to collect any 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 pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance 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 is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. 3. 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 tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply 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 Cash Advances The Special Rule for Credit Card Purchases does not apply to purchases made with a 19 balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discover" Cardmembers are provided with $500,000 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 Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft or a conveyance operated by a military transport service or riding as a passenger in or entering or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMIT OF INSURANCE: If more than one insured Person suffers a Loss in the same Accident, the Company 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 limitofinsurancewillbedividedproportionally among the insured Persons, based on each applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from anyone Accident, the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to 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: Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. Accidental Bodily Inj?ry(ies) means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. Account means a Card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account. Card means the Discover Card. Cardmember means the holder of the Card 20 whose name appears on the credit card. Company means the Federal Insurance Company. Covered Trip means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account. Dependent Child or Children 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 mental lyorphysicallychallenged, and incapable of self support; or (3) under the age of 25 and classified as full-time students at an institution of higher learning. Domestic 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 lived with the Insured Person for at least one year prior to the date of enrollment; (4) is not legally married or separated; and (5) 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 title 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 civil union with, anyone else. Hazard means the covered circumstances for which this insurance is provided as stated in Section III of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Description of Coverage. Insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. Loss means the Loss of Life. Loss of Life means death, including clinical death determined by the local governing medical authorities. Policyholder means DFS Services LLC, the entity responsible for the payment of premium. Scheduled Aircraft means an aircraft owned and/or operated by a Scheduled Airline. Scheduled Airline means an airline which is either of United States registry and certified by the United States government to carry passengers on a regularly scheduled basis or of foreign register and approved by the United States government andtheappropriate foreign authority. War means hostilities following a declaration of War by a government authority. If there is no declaration 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 of the area of hostility. DISAPPEARANCE BENEFITS: If the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Aircraft or conveyance in which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, that the Insured Person has suffered Loss of Life covered under this policy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising 21 22 from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Insured Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmember`s Account while the insurance is effective. It is not necessary for you to notify the Policyholder or the Company when Scheduled Airline tickets are purchased. EFFECTIVE DATES: Your insurance under this insurance plan is effective on the later of: 1) April 1, 2007; or 2) the date you become an eligible Cardmember. 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 Cardmember. COST. This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the insurance. THE BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by you. If no such designation has been made, that benefit will be paid to the first surviving beneficiary 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 paid to you. If you wish to change your beneficiary, you may request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at Beneficiaryrequest@The DirectMG.com. EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an Accident occurring while an Insured Person is in, entering, or exiting any aircraft owned, leased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (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 applyto passengers who temporarily perform pilot or crew functions in a life threatening emergency); (3) emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the 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 Companya written description of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 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 loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of the policy. ARBITRATION: In the event of a dispute under this policy, either the Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. 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 Association. 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 1-800-CLAIMS-0 (1-800- 252-4670). You can also go to the Company Website (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate 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 COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO 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 Underwritten By Federal Insurance Company ("Company") a member insurer of the Chubb Group of Insurance Companies 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Plan Administrator The Direct Marketing Group, Inc. 13265 Bedford Avenue Omaha, NE 68164 Policy # 9906-18-06 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discover" 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 circumstances described below) with your Card (as defined below), you may be eligible for benefits under this coverage. ExcessCollision DamageWaiverisan insurance program, underwritten by Federal Insurance Company Policy # 9906-17-63 (the "Policy"). DEFINITIONS: Account means a Card account. Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of loss, less depreciation. Cardmember means the holder of the Card whose name appears on the credit card. 23 Card means the Discover Card. Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. Company means the Federal Insurance Company. Insured means Cardmembers and authorized users of the Account. Policyholder means DFS Services LLC, the entity responsible for the payment of premium. Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means a four-wheeled private passenger type motor vehicle or a mini-van manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: The Collision Damage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile is 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 Account. • You must decline the Loss/Damage Waiver offered by the vehicle Rental Agency. • You must rent the vehicle in your own 24 name and sign thevehicle rental agreement/ contract. The coverage period will not exceed 31 consecutive days, or 45 consecutive days if the Insured isan employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder as required, and subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liabilitywili befora maximum reimbursement of $25,000. In no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. • 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 any other eligible amounts not covered by other insurance. This coverage is not all-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 property. It does not cover you for any injury to any party. WHO IS COVERED: • Discover 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 $50,000, 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 NOT COVERED: Coverage does not apply to loss resulting from the following: • Any dishonest, fraudulent 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 of 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 authorized to operate the Rented Automobile by the terms of the Rental Agreement. • Loss of use of the Rented Automobile. • Intentional damage to the Rented Automobile by the Insured. • Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure. • Damage to tires unless the loss is coincident with a covered loss. • 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 that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (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 covering the Rented Automobile. However, the insurance provided under this plan may be primary 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 COLLISION 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 CALL THE CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0 (1-800- 252-4670). You can also go to the Company Website (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, 25 select the appropriate 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 COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300-2538 CLAIM PROCEDURE: 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 within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative: • A copy of the Account statement 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 Agency. • A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. • Proof of submission of the loss to, 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. Reminder: Please refer to the Insurance Disclosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative state- ment to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in the master policy on file with DFS Services LLC, herein referred to as the Policyholder. If a statement in this Summary of Coverage and any provision in the policy differ, the policy will govern. Policy Underwritten By Federal Insurance Company ("Company") a member insurer of the Chubb Group of Insurance Companies 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Plan Administrator The Direct Marketing Group, Inc. 13265 Bedford Avenue Omaha, NE 68164 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, 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 can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days in advance. If the Company terminates, 26 cancels, or chooses not to renew the coverage to Policyholder, you will be notified as soon as is 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 you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is 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 Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage. These benefits do not apply if your Card privileges have been cancelled. However, insurance benefits 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 misrepresented 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 organization(s) relating hereto. Addition of New Insureds: All eligible persons will be automatically insured under this Policy. Examination 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, books 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 Company or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, examination of documents or any other act of the Company, itsem ployees or representatives in connection with the investigation of 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 liability. 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 such 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 Company to enforce such rights. Upon payment by the 27 Company to the Insured, 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. Arbitration: In the event of a dispute under this policy, eitherthe Companyorthe Insured may make a written demand for arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbitrators will select a third. if they cannot agree within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Global Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. It is operated by AXA Assistance USA, Inc. Visit Discovercard.com/travel to learn more. Eligibility. You must be a Cardmember whose Account is in good standing, theCardmember's spouse or dependent child traveling with the Cardmember or an Authorized User of an Account in good standing. Third-Party Charges. Global Traveler's Hotline is not insurance, so you will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Call us at 1-800- DISCOVER (1-800-347-2683) for assistance or if you have questions about a specific destination. Outside the U.S., call us collect at 1-801-902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided by third parties. The services and these terms and conditions are subject to change without notice. 28 New Balance Minimum Payment Due $6,530.14 DISCOVER $131.00 CARD Payment Due Data May 4, 2002 D5 SDSNBA010003533 MCLAIN, ROY C 5252 E TRINDLE RD \c' MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below i $ Please make check payable to Discover Card or pay online 0 Discovercard.com. ?Ij W Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discavercom/payments today. PO BOX 71084 (?Itss??r+siisrs+isirsis?s CHARLOTTE NC 28272-1084 Address, etnoil or telephone change? Print change in spate )nlrO+r)rnlrOu+(a(r(u+)))(u+)n)nlu))u(u(n(r)??)) above, or go to Discover.com. Print yaw e-mail address to receive important Account information and special offers. 00000198645827137062506530140100,0000013100 ---------- --------- ---------- --- Discover Card Account Summary - I Closing!:. April 5, 2002 page I of 2 Account number ending in 9362 Previous Balance $7,237.70 !Payment Due Date May 4, 2002 Payments And Credits 1,000.00 Minimum Payment Due $131.00 Purchases + 163.90 Credit Limit $9,500.00 Cash Advances + 0.00 ;Credit Available $2,969.00 Balance transfers + 0.00 Cash Credit Limit $4,750.00 Finance Charges + 128.54 ;Cash Credit Available $2,969.00 New Balance $6,530.14 You m ryi be able to amid Periodic Finance Charges, we the reverse side for details. Cashback Bonus CashbackBonusSi Anniversary Date: July5 Previwu Cashbook Bonus Award Balance $ 9.14 Purchaee Award This Period + 0.00 - Cashback Bonin Since Anniversary Date --- - - - - - Mier A+irardi TfiisT'sifoci + -0.00 -' i of July 5: $9.96 y Cashbook Bonus Award Total :How Can We Help You? I . ktV1sit.Discover com to pay your bill for no cost viewyour 4est Account tnformatia+, eam and redeem ?ewards and mare It's your choice - 3 wciys to help 2. Cad 1-800-DISCOVER (347-2683) for fast, easy self-service ?? or to speak with a Customer Service Account Manager d available. Please have your Discover Car . Write us aF Discover Cord PO Box 30943, 3 For TDD (assistance for hearing i m we reverse side t?? Soh Lake City, UT 84130 Transactions $0 Freud Liability Guarantee Use your Discover Card with confidence. Trani. Post Date Date ,paymenis and Credits Apr 3 Apr 3 PAYMENT-THANK YOU $ -1,000.00 -Gos/Automotive Mar 4 Mar 6 U-HAUL/MIAN ENT INC MECHANICSBURGPA 88.13 Mar 6 Mar 6 A & 8 AUTOMOTIVE MECHANICSBURGPA 75.77 Information For You 4alancs Transfer offer far current billing period: Daily Periodic Rate: 0:01068%; corresponding ANNUAL PERCENTAGE _ RATE _3.90%. R4Lt i wbjgctJo flreTQrm3 pfd ct1[er insluditt9iration.-----------... _ ;Finance Charge Summary N i A amrna ANNUAL ,r.a nun ANNUAL Periodic Fes po Re dic AGE P ffMlE Boldn a RATES ? CHARM CHARCES .current biding period: 31 days Purchases $6013.99 0.05477% 19.99% F 19.99% $102.11 none CCash Advances $1353.59 0.06299% 22.99% F 22.99% $26A3 $0 ,The rates that apply to your Account are either fixed (F) or they may vary (YI as noted above. EXHIBIT a) Impartrd lodes oodilon. it there'rs more than one page to this billing statement, see the back of each page for additional important information. See your Cardrnanber Agrament. Your Cardmember Agreement contains all the terms of your Account o Lost or stoMn aide. Report imrnediatey! GII 1-800-947-2889. i MWS Rob biIn Case of Errors or questions About Your Bill: If You think your bill Is wrong or if you need more information about a F lion coon on YOUr write us 0n a separate sheet of pa at Discover Card; PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from yyoouu 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: °w *Your name and Account number. *The dollar amount of the suspected error. w° *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 ti V YOUDoCo not have to pay an amount in question while we are Investigating, but you. are suit obligated to pay the parts or your Dill that are not in question. While we mvestig to your question, we cannot report you as delinquent or ake any action to collect the amount you question. Special Rule for Credit Card Purchases: Ifhave a problem with the quality of goods or services that you purchased with a credit card, and you have vied in good faith to correct a problem with the merchant, You may not have to y the remaining amount due on the Rites or services 50 and the purcTiaso was made in your home state or wfthfn 100 You have this protection onlNywhen the purchase price was more than S miles of your mailing address. (d we nZ or ratio the merchant, or if we marled you the advertisement for the good3 or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the ttmaoDpp portion of this statement in the envelope provided. Do not sand cash. By sending9 your check as described above, you authoriza us to use infor tion on your check to make an electronic fund transfer from Cr count at the financial institution indicated onr chock or to the payment as a cheek transaction. U pa nt is rocessed as an electronic fund transfer, the transfer will be for the amyp?Wnt of the check. YMan 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 locative your Day non" and you will not receive your check. back from your financial institution j" prod Uygur payment ma.=I. ed 8 "sou send cash, correspondence or other items with Your paymenL if you send he payment to any nroer a wni use an er LA n the one Drawled Pavments received on or after 1 PIFI MdndaV through F[ida, or on a „,you can pa Wur minimum {gymeoil or a greater amount over the telephone, and you can set up automatic pa nls. GII us at 1-800.347-2603. You win n thIs statementanA Your bank account Information. You must ensure Nat sufficient funds are avaeaWe In your bank account and all transactions must comp" with U. S. law. You will be asked to provide the first 5 digits of your account statement zip code. By enteringg those numbers as your electronic aignaWre. you will be s Teeing to this authorization to allow us and at bank to deduct each payment you aulnorize from r bank account and to initiate debit or cratlR entries to your bank account as applicable to correct an error in the processor of such paY?ynotu Vou must an us the amount of each payment, or Vou can select an amount such as the Minimum Payment Due or the New lance on each statement You can cancel a t however we Inuit receive notice at least three business days in advance of the scheduled payment You may noliN ua by a at 1-600.347- 6 3 or by =0 at address listed in the previous pare raph if your pa refs may vary in amount ?we will tell ndicaled on he monthly sstaatamenttbbasedd on credits o payments apples during the billing ewle.YOUr Autom?tcepayment amount may less than Credit Repostiil. We may reppoprt information about yyoouur account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in yduI credit report We nitrmaly toppr? the status and payment history of your Account to credit reporting aagencres each month. dyqy be' that our report Is inaccurate or introrriplele, please write us at the toliowmg address Discover Classic Card, PfJ Box 15316, Wilmington"DE 19850.5316. Please Include your name, address, home telephone number and Account number. r,; Fbetles roviied below, we will impose Periodic Finance Ch riles on purchases, cash advances and balance transfers gp with the tltfa the transaction occurs until Ne dale of repayment and on Oki Balances until Ne date of repsymenl Old Balances are ll .f either purchases and cash advances made on .r pr or to Ne last day of your biling period ending during February 1993 or Reserve Line balances you can avoid payment d Periodic Finance Cnarpes on new purchases d you pay the New Balance shown on the billin statement on which the Durchase first appear by Uk Payrnanl due Dale, obit Ute Payments and CredRs on Nat statement epual or excee0 your t?revious Balance We call this the ".race .eriDO". you ao ti.l have a grace Derrod on balance transfers or cash advances Periodic finance Charges are imposed on new or ex I new we nces (which we refer to as transaction ly Periodic Rate. (Refer to the finance ea s, for each transaction catepV to eroodre Finance Charges apply the lance u n which we impose Periodic If dunn the previous billing period by that bit mg statement as well as new the ichases on your previous billin my alances in a billing period for balance for each transaction category charaped that day and Periodic Finance are applied against the balance of the the previous days dairy balance" to :tat rate balance transfers and Balance lance transfers that were subject to an t credit limit are also included in the dance transfer transaction cateaoty on n-c- .-.._.. _._ -a -c- ._ balance transfett transsction a If a transaction made in a previous pilling P€rind Is itemized on date to ba the fi rst day of the Curren billing period when we calculate your Feriae C Finance Charges. For TOD (isleCatraurikatlom Device for the Deal) assistance, please call 1-900-347.7449. The DiscoveM Classic Card is issued by Discover Bank, Member FDIC. Closing Date: MCIAIN, ROY C DISCOVER April 5, 2002 Account number ending in 9362 CARD -? page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 9.14 Purchase Award This Period + 0.00 0.82 Cashbock Bonus Award Total 9.96 Cashback Bonus Award Balance 0.00 Award Available to Redeem $ 0.00 Restrictions apply to the 9shback Bonus P= offers visit 06oxVW cpm or call I-BOOOSCOVa (1-800-3d7-2683) for details. For program details, see the C dibaack Bonus terms and Conditions. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $7,450.34 $149.00 Enter Amount Enclosed Below CARD ?[ Pa ent Dua Gate June 4, 2002 Please make check payable to Discover Card or pay online Q Discovercard.conn. 05 SDSN6A010003534 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will yc 1 payment get to us on time? Pay your 11 online and your payment can be made to your accowrt on the same day. Visit Discover v m/paymessts today. PO Box 71084 IILrrllrrrlLrrddrrlrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to Irrlrllulur1rl1urlnlr1url1llrn1ulu1ulinlulnlrluil receive important Account informction and special offers. 000001986458271370625074503401000000014900 ------------ Discover Card Account Summary ,Account number ending in 9362 Payment Due Date June 4, 2002 `Minimum Payment Due $149.00 `..Credit Limit $9,500.00 Credit Avaiaable $2,049.00 Cash Credit Limit $4,750.00 ;Cash Credit Available $2,049.00 Closing Dais: May 5, 2002 page l of 3 Previous Balance $6,530.14 Paymerts And Credits 1,000.00 Purchases + 1,788.87 Cash Advances + 0.00 Balance Transfers + 0.00 F'en=Ke Charges + 131.33 New Balance $7,150.34 You may be able to avoid Periodic Finance Charges, see the reverse side for details. ;Cashb+ock BOnus® Opening Cashbock Bonus Balance $ 9.96 New Cashback Bonus Earned + 0.00 + 15.16 _ -Eeshbook- Bens Sirnce Anniversory Dete- - _ _ _ . _ _ - _ _ gshbad OKeaee/nb ? .. _ _ _ --------- S... _ _ --25,12 20.DD OF July 5: $25.12 Can We Het ;How p You? 1- Visit Discaver eom to pay year hill for ne mat , vrew r l t fio t A i f d d d :It's your choice - 3 ways to help es ormo a n n, earn an re ccount eem rewarck an more 2. Cad 1.800-DISCOVER 1347--2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt L06 City, UT 84130 'Transactions $0 Fraud Liability Guaranies Use your Discover Card with confidence. Trans. Post Dap Dab yaymeas and credits May 3 May 3 PAYMENT - THANK YOU $ -1,000,00 'M chundise/Ralml Apr 1.8 Apr 18 RF FAGER CO. CAMP Hill PA 71.39 Apr 23 Apr 23 OFFICEMAX 39 MECHANICSBURGPA 423.99 Gas/Aufomaim Apr 11 Apr I I U-HAUL MECHANICSBRG MECHANICSBURGPA 125.26 Apr 22 Apr 22 U-HAUL MECHANICSBRG MECHANICSBURGPA 45.00 Travel/Entartoinment Apr 7 Apr 7 PALMER HOUSE HILTON CHICAGO R 690.73 Apr 17 Apr 17 CONTINENTAL 2162724971 HOUSTON TX 216.25 -;-.--------.. Apr 17 Apr 17 CONTINENTAL 2 1 6 2724 972 HOUSTON TX 216.25 AUTOMATIC FLIGHT INSURANCE NO COST For You Bol ance Transfer offer for currant billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE :RATE: 3.90%. Rate is subled to the terms of the offer including expiration. iAs a Discover(R) Cardmember, you can gat cash quickly and easily - just about anytime, anywhere. To find the nearest cash !locations, select your PIN or order Discover Card checks, cad 1-8000ISCOVER (1-800.347-2683). And don't forget to visit :our webs-ft at Discovercard.com to search for cash locations nearest you- Great Balance Transfer Rdesl Call 1-800.767.7339 to find out if a Balance Transfer rate is available for you. tmportsnt Information. it there is more than one page to this Wiling statement, see the back of each page for additional Important Information. See your Cardnrember Agreement. Your Cardmember Agreement contains all the terms of your Account. m 0 ry) Lost or stolen cards. Repot immediately! Call 1400-347-2683. BIRag Rights Summary. In Case of Errors or Questions About Your Bill: If You think your lull is wrong or it You need more information about a o transaction on Your Ddf, write us on a seponta sheet of paper at Discover Grd; PO Box 30421, Sat Lane City. UT 84130.0421, as soon as possible. We must hear iron you no toter than 60 days after we sent you the iNSt i>;O on which the error or problem appeared You can telephone us,'bul c doing so will not peserve your rights. In your letter, give us the following information: -Yor name and Arxount number. -The dollar amount of the suspected error. -Describe the error and explain. N you can, why you believe there is an error. If you need more information, describe the item you are unsure hour v You tlo not have to pay any amaml in question while we are investigating. but you are still obligated to pay the parts of your bill that are not in questkA While we mvestipate your question, we, cannot repot you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If yyopu 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 seYou have this protection only when the prrchase price was more than $ 5O and the purchase was made in your home state or within 100 M;90.1 your mathnp? address. (N we own or operate the merchant, or if we mailed you the advertisement for the goodf or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top potion 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 as a check transaction. N pa nt is processed as an electronic fund transfer, the transfer will indicated on Your c eck or to proses the Pont Plse be for the amount the check. When we u nformation from your check to make an electronic fund transfer funds may be withdrawn from your account ac soon as the same day we t: r yyo0uUrr Wym!nt, and you will not Teethe your check back from your buranciai Institution. The proce Of r may be deNyed d send cash, correspondence or other clams with r paymerat if send the payment to any other add or -if you se an ernaiope other than the one provided Payments received on or aflterutPFt MondarMbroueh Friday or on a weeka OF bank Own wy will be posted to t Account as of the next business day. It you have, misplaced your envelope, send Yogr-payment to Discover Bank, PQ Box 6103, Carol Stream IC 60197.6103. Please allow 7-10 days for delivery. If *I payment is returned unpaid we reserve the ri?ht to resubmit K as an electronic debit. can can pa Your minunum payment or a greater amount over the tekpmone and Vou can sal up automatic paymerats GO us al 1-800-347-2683. You will, nelmK statement, and your Oank account mtamaOOn. You must ensure Thal w%icient funds are available in your Dan amount, and all transactions yymppu?ast coinpplfyl with U.S lavyrp? You wUl Oe asked to provide the frost 5 digts of youryoau?count statement zip rwdpea. enlenng those numbeesv r:ctrl inAgtn?hrAlife de^YNa efed e^glrxslto vaaulirob ask%coun s aeplleable.rl?earecidinue(rwin lherpoens,?ng?of wcn yai on eSch mor?ttiy sUlemeM when your payment wig be made and how-much it will tie: Your Auldmatic payment amount may tie less man indicated on the mouthy statement based on credits or payments applied during the billing cycle. Credit Reporting. We may repot information about your account to credit bureaus Late payments, missed parents. or other defaults on your account ma be reflected in your treat report We normaly re the status and W nt. history of your Accouncredit reporting agencies each month. d ft beBpva that our report is in ? ra ? TRA4= ppleas write us a"t the following address Discover Classic Card, PlT Box 15316, Wilmington-DE 19850-5316. Plea include phone number and Account number. Periadie Fbiariee Cligis, Except as provided below, we will imp?e Periodic Finance Char es on purchases, cash advances and balance transfers beginning with the do the transaction occurs until the date of repayment and on Old Ba?ances until the date of repayment ltd Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avod ymenl of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billing, statement on which the purcbase First ap?ean by the Payment Due Date, and the Payments and Credits on that statement Not or exceed your revious Balance. We call "ur?de period". You do tout haw a race Deriod on balance transfers or cash advances Periodic Finance Charges are imposed on new this E. balance transfer! and cash adwnrxn bepinnin wile ilia date the transaction occurs Periodic Finance dtatges are on transactions and fAd Baances until the date of repayment Repayment means pa rat ct your entire M. Balance. However it you pa rho thaw Balance shown on this billing statement a Payment Due Date, arW the PaYmentsmiand Credits shown on this staterrxnt solid or exc? Previous Balance, we will. not impose Period Finance Charges an_new Qurepases, that m?_purchase? lust stileinentequ:ii or exceed yout i•ievfo0s Balai?e. Otherwise, you will receive a oiling statement next s imposed until the date of repayment hday for purchases, cash advances, balance transfers and Old Valances (which we refer to as transaction Awrige ally Balance x number of days in the Dilbng period x Dairy Periodic Rate. (Refer to the finance rent for thDese amounts) Theii we adz all the Periodic Finance Charges for each transaction categlory to your Account The Average?aiy Balance is shown as 0 it no Periodic Finance Charges apply 0 the hslanee rtncludino new Uanactionsl method of cabulalino the balance upon which we impose Periodic on ra on on the oast lire perwD? a are axe nom the ba race the purchase and cash advance transaction categories S cal rate balance transfers and Balance m transfers that were sublact to an isaction Fee Finance Charges are Included in the daily balance transfer transaction category. stance e that has been terminated due to a late payment or because you exceeded your Account credit limit are also Included in the I the initial dial rate otherwise world have expired. In tabulating the dairy balance of the balance transfer transaction category on of the ct8inp period, we subtract the un ?old balance of those Balance Transfer Transaction Fee Finance Chatpqees and balance transfers ppuurchaso race balance Ira of on that day and we add that unpaid balance to the balance of the purchase transaction,cate arged to your Account are added tcithe purchase transaction calegfary with the exception of Cash Advance Transaction Feal'inance •h are added to the ash advance transaction category and Balance fansfer Transaction Fee Finance Charges which are added to the dour rranurann ralmmv IT a Iranmetioe made in a ofevicus billina Dariod is itemized on this statement we consider the transaction For TOD (Telecommunications Device for the Deaf) assistance, please can 1-600-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD DISCIDVM MCIAIN, ROY C Account number ending in 9362 a Discovere Card ranked #1 in Customer Loyalty'-for 11 years in a row! "I've never bean so impressed with a company &A has looked out for my well-being with timely reminders, poperless stalemenls and even o lelephone call when somednng looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life.' Janes T-Clevelmd, Ohio Experience it for yourself at tliscovercom *Amanhng to Ow 2008 Om W Keys Casbow loyally Engogw wit kxhm Repaf 02008 D'umver Bank, MwAw FD C ----------- --------- dosing Date: May 5, 2002 page 2 of 3 Click. Pay. Vin. Ckdine Sweepstakes. From now until May 31, pay your Discover(R) Card bill online for a chance to win $100, $1,000 or even $10,000.* *For official sweepstakes rules, visit Discovercord.com. No purchase, payment or card application necessary to enter or win a prize. Optional Discover(R) ACcoun iGuard(R) gives you the obitiy to put your minimum Account payments on hold in the event of job loss, disability, or leave of absence from work. You pay no monthly payments, fees or finance charges for up to 2 years (up to 3 mos. for leave of absence). For details and to enroll, we the flap on your payment envelope. Planning on remodeling or redecorating your home this spring? Be sure to visit Discovercord.com's ShopCerrier(SM) to find out about groat home improvement offers from mechants such as Bed Bath & Beyond(R), Jennifer Convertibles(R), American Blind & Wallpaper, Caoking:com aiitl rtiorial - - - Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic IrRCENTAGE PERCENTAGE FINANCE FINANCE Bolan Rates kATM RAIES CHARGES CHARGES current billing period: 30 days Purchases $6405.67 0.05477% 19.99% F 19.99% $105.26 none Cash Advances $1379.83 0.06299% 22.99% f 22.99% $26.07 $0 The rates that apply to your Account arc either fixed (F) or they may wry (V) as reed above. QU6StionS? Manage your account at Discover.com or call 1-S"SCOVER (1-800-347-2683). Closing tie: MCLAiN, ROY C DISCOVER May 5, 2002 Account number ending in 9362 CARD pope 3 of 3 Cashback Bonus ® Award Summary Cash6ack Bonus Anniversary Date: July 5 Balance Previous Cash6ack Bonus Award Balance $ 9.96 Purchase Award This Period + 0.00 15.16 Cas ac Bonus Awar Total 25.12 Cashback Bonus Award Balance 25.12 Award Available to Redeem $ 20.00 Resttndiau apply to the 06 Bonus Partner offxs visit Dacover ?m or caN 1 806WSCOVBt (1-80P3A7-2683) for details. For program dstai s, sae the Cashbook Bonus Perms and Conditions. New Balance Minimum Payment Due DISCOVER $7.253.96 $146.00 CARD Payment Due Date July 4, 2002 05 SDSNBADt 0003535 NCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below 1 Please make check payable to Discover Card or pay online @ Discovercord.com. Will your payment get to us on time$ Pay your bill online and your payment can be made to your account on the same day. Visit Discovencom/payments today. PO BOX 71084 (??+*+??+++??++ssl+Isslsl+ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 11rnl111nr1rr1rr1r,11ulu?adrirrii above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625072539601000000014600 ----------------------- Discover Card Account Summary Account number ending in 9362 Payment Due Date July 4, 2002 Minimum Payment Due $146.00 Credit limit $9,500.00 Credit Available $2,246.00 Cash Credit Limit $4,750.00 Cash Credit Available $2,246.00 Cashback Bonus® Opening Cashback Bonus Balance New Cashbock Bonus Earned Cashback Banus®.Since Anniversary Date. - - Cashbock Bonus Balance oFJuFyS: $31.80 Avaik&W16Ae3eeat - CONGRATULATIONS] Now that your award is $20 or more, you can redeem it in $20 increments by calling 1-877-YOUR-AWARD or by 690ng into the Account Center at Discovercord.com. $ 25.12 + 0.00 + 6.68 S 31.80 How Can We Help You? 1. Via Discover com to pay 'rear hi far no cost=a i latest Account information, own and redeem d more It's your choice - 3 ways to help 2. Call 1-800•DISCOVER (347-26831 for fast, easy selfeervice Please have your Discover Card available. options or to speak with a Customer Service Account Maroger 3. Write us at Discover Card, PO Box 30943, i For TM (assistance for hoeing impaired) see reverse side Sall Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dare Dale Payments cad Credits Jun 3 Jun 3 PAYMENT - THANK YOU $ -1,000.00 i Gas/Aurematfve May 28 May 28 KWIK FILL 11259 MECHANICSBRG PA 13.00 -r-- - -------------- Moy30--May 30-Sl-14AW1,M GHANiC5BRG-MECHANIGSBURGPA---------..-.--A24.43---- Travel/15rdu aiament May 19 May 19 HYATT HOTELS WESTSHORE TAMPA FL 530.88 `Information For You Balance Transfer offer for current billing period: Daily Periodic Rate; 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. Great Balance Transfer Rawl Call 1-800.767-7339 to find out if a Balance Transfer rate is available for you. Register valuable documents and property items such as stocks, computer and DVD. If you suffer a loss due to a fire or the8, you'll have an inventory to provide to your insurance company. Cog 1-8003473395 to enroll in our 3 year $45 register service. Closing Date: June 5, 2002 page 1 of 3 Previous Balance $7AS0.34 Payments And Credits 1,000.00 Purchases + 668-31 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 135.31 New Balance = $7,253.96 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Itnporimt InformMfon. if there is more than one page to this billing statement see the hack of each page for additional important information See yaw Cardmember Agreement- Your Cardmember Agreement contains all the terms of your Account. W 0 rA Lost or stolen cw*. Report immediately! Call 1400-347-2683. z Billing Case of Errors or Orresttons About Your Bill: IfC lank your bill is wrong, or it you need more information about a c transaction on Yyo?ur loll In write us on a separate sheet of paper al Discover ard; PO Box 30421, Sah Lake City, UT 84130-0421, as soon as possible. We must hear froth no later than 6D cap, after we sent you the first big on which the error or problem appeared. You can telephone us,'but o doing so WIN not preserve your rights In your etter, give us the following information: Your name and Account number. u '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 ul v YouoA 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 imiWi to your question, we. cannot report you as delinquent or lake any action 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 tied in good faith to correct the problem with the merchant You may not have to y the remaoing amount due on the goods or services You have this protection only when the purchase price was more Iran S50 and the purchase was made in your home state or within 1 g0 miles of your moiling address (if we own or operate the merchant or if we mailed you the advertisement for the goodf or services, all purchases are covered regardless of live amount or location of purchase.) New Balance. However -tt you pay the Now INnrrga shown on on this statement agwl or excedd the PraiDus Balance we 2-fim M thk tlatement N van Account was i6 d as a e, you will receive a billing statement next I Balances (which we refer to as transaction x Daily Periodic Rate. (Refer, to the finance :e Charges, for each transaction categtory to no Periodic Finance Charges apply o the new transactions) method of calculating the balance upon which, we red on that billing statement as wen as new rge.s on the purchases on your previous billing 1 the daily balances in a billing period for a he dairy balance for each transaction category eV fees charged that day and Periodic Finance nli that are a red against the balance of the consider the previous day's dairy balance' to es cial rate balance transfers and Balance lory. Ea lance transfers that were subject to an Account credit limit are also Included in the d the balance transfer transaction category on on Fee Finance Charges and balance transfers ce of the pDurchase transaction cate e Finance ion of Cafh Advance Transaction Fee Fee Finance Charges which are added to the on this statement we consider the transaction date to be the first day of the current billing period when we carculate your retook; rnance u For TDD (Teleconununh atbns Device for the Deaf) usistance, please call 1.800-347-7448. The Discover® Classic Card is issued by Discover Bank, Member FDIC. CradR Rea runs We may report information about Your account to credit bureaus Late payments, mused payments, or other defaults on your account and y be reflected m your credit, report We It malt' report the status and payment Drstory of your Account to credit reporting a99encles . month. U layoyy believe that our report is inaccurate of imamp " please write us at the follow mp address Discover Classic Caro P6 Box 15316. Wilmington"DE 19850.5316. Please include your name, address, home telephone number and Account number. Perbdk Flnanee l,haraes. Except u provided below, we will impose Periodic Finance Char es on purchases, cash ances antl WW ce transfers is' the dale of repayment and on Old BaQancas until like date ofad repoyrrrent. Ole Balances are beginning with the d the transaction occurs unti comprised d either purchases and cash adwncu made on or poor to the Nri day d your bNNng period ending during February 1993 or Reserve Lino bagrrrxs. You can avoid ymaM of Piodic Finance Charges on haw purchases it you pay the New Balance shown on the billing statement on which the Gurchase first ap?eais by 0. Payment Duo Dale, and Ne Payments and Credits on that statement equal or exceed your Previous Bahnca. We colt E. the "pra?e You do oat hays a prace Derr' on balance lramfeis or cash advances. Perodic Finance Charges are imposetl on new potence transfe and cash advances br»arningwilh the data the transaction occurs, DISCOVER CARD DISCOVERY MCtAIN, ROY C I- Mer. Account number ending in 9362 Bcig Discovers Card ranked #1 in Customer loyalty-for 11 years in a row! *I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T. Cleveland, Ohio Experience it for yourself at Discovercom *A=.&v le the 20D8 B-d Kern CvOmm Wy* Engagement Wkx Repot 02008 IXsoover Bonk, Mw 6a FDIC Closing Date: June 5, 2002 page 2 of 3 OPEN A NEW DISCOVER CD ACCOUNT TODAYI Discover Bank gives you: GREAT RATESconsistenlly high week after week. SECURITY-Over $20 billion in assets, a bank that's been around since 1911, and FDIC Insurance. ?CONVENIENCE•Open an account without leaving home, call 1-800347-7000 or visit Dt omwbank.com. Mention code SC0602P_ The Discover(R) Card Shops America with Lucky Magazine National Mall Tour has been traveling across the nation this springl Runway fashion shows, style workshops, giveaways, and much morel Catch it this June at Cherry Hill Mall, New ;Jersey or Souih Street Seaport, New York Cityl To get in on the action, visit Discovercord.com/shopanerica. Discover(P) Cad and RASA congratulate the 2002 National Tribute Award Scholarship winners Caroline Comic, Nancy . Chegg,-Blair'f16resfirie,-KiM6 Koo, Ffally-Mi6rider, Hope Pkii8? ornery, Amber Maifiouse, Loni Schum664, and NaaAi6i Skelley. Each won $27,500 for post high-school education or training. Visit Discovercad.com/Iribute.htm to learn mom. Finance Charge Summary vet D aily rp?es Paeirwdic Rake Nominal E ?fiAGE RATIM P??VIAGE RATES Transaction FUMAX Periodic FFINAWCE CHARM CHARGES current billing period: 31 days Purchases $6351.82 ;Cash Advances $1406.59 0.05477% 0.06299% 19.99% F 22.99% F 19.99% 22.99% $107.84 none $27.47 $0 ;The rates that apply to your Account are either fixed OF) or they may vary M as noted above. 'Questions? Manage your account at D'tscoverxom or call 1-800-DISCOVER (1-800-347-26831. Closang fate MC1A N, ROY C DISCOVER rune 5, 2002 Account number ending in 9362 C A R D page 3 of 3 Cashback Bonus a Award Summary Ca_shback Bonus Anniversary Date: July 5 Balance Previous Coshback Bonus Award Balance $ 25.12 Purchase Award This Period + 0.00 6.68 Cas ack Bonus Award Total 31.80 Cashback Bonus Award Balance Award Available to Redeem 31.80 $ 20.00 Re?ridiom apply fo the Cashback Banos Partner aHers visiF D?xowr cam or call 1-8004MSCOM (1.800.347-2683) for detaiis. For program detai ,see the Cashback Bonus terms and Conditions. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $7,748.19 $301.00 Enter Amount Enclosed Belem CARD Payment Due Date August 4, 2002 please make check payable to Discover Card. Minimum payment due includes a past due amount oFS 146.00. 05 SDSN6A01 0003536 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discovercom/payments today. PO BOX 71084 (11rn{1us11wr1r{n1r1r CHARLOTTE NC 28272-1084 Address, a•mugortelephone change? Print charge in space ?rrfr??u?nn'r?fUr1141r'ur?r?(nr'111111111111 1111111 11111 above, or go to Discovw.com. Print your email address to receive important Account information and special offers. 000001986458271370625077481900000000030100 Discover Carol Account Summary !Account number ending in 9362 tPayment Due Date August 4, 2002 3Minimum Payment Due $301.00 Credittimit $9,500.00 'Credit Available $1,751.00 'Cash Credit Limit $4,750.00 'Cash Credit Available $1,751.00 Closing Dam: July 5, 2002 page I of 3 Previous Balance $7,253.96 Payments And Credits 0.00 Purchases + 367.69 Cash Advances + 0.00 Balance Transfers + 0.00 Finance choges + 126.54 New Balance a $7,748.19 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus" Opening Cashback Bonus Balance $ 31.80 New Cashback Bonus Earned + 0.00 + 2.43 Cashback Bonusg-Since Anniversary Date _ ..Cosbbock Bonus Bolence .. _ - ........ _ _ _ $ . _ .... Avalable to Redeem $ _ .34.23 0.00 of July 5: $34.23 :How Can We Help You? p I • Visit DKcaasr com to pay your 69 for no cow view your latest Account information, earn and redeem rewards and more :It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selkervice options or to speak wish a Customer Service Account Manager Please have your Discover Gard available. . Write us at Discover Card, PO Box 30943, 3 For TDD (assistance for hearing Impaired) see reverse side Saft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Mardmrid-we/Retail Jun 4 Jun 6 OUTWATER PLASTICS WOODRIDGE W $ 28.53 Jun 12 Jun 12 RF FAGER CO. CAMP HILL PA 36.57 Jun 21 Jun 21 OFFICEMAX 39 MECHANICSBURGPA 95.37 Other/NltseeNatteous Jul 5 Jul 5 LATE FEE 35.00 :Gas/Autanotive Jun 28 Jun 28 A $ 8 AUTOMOTIVE MECHANICSBURGPA 53.00 iWwehouw Clubs Jun 23 Jun 23 SAMS CLUB 008 175 HARRISBURG PA 119.22 nformatioTyfor-You---------- ---------- ------------ --------- *+.rrrr ATTENTION **t**** ATTENTION ***rr*r ATTENTION *r***** ATTENTION **r**r* ATTENTION * * * * * * * Your account is post due. Please pay the past due amount now, or contact us to make other arrangements. i %Bak mee 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. 'As a Discover(R) Cordmember, you can gat cash quickly and easily - just about anytime, anywhere. To find the nearest cash :locations, select your PIN or order Discover Card checks, cog 1-800 DMOVER ii-800-3A7.2683). And don't forget to visit ,tour webs" at Discovercard.com to search for cash locations nearest you. Important Information, If there is more than one page to this bulling statement, see the back of each page for additional Important information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your AccounL rn 0 Lost or stolen cards. Report immediately! Call 1400-347-2663. U) Z m BNRng Rights 3"" In write Case of Errors or Ouestions of About Your Bill: If you think your bill Is wrong, or it You need more information about a c on You, b( write us on a saparole sheet sheet of paper at Discover Card; PO Box 3 transaction 0421, Salt Lake City, U7 84130-0421, 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,,bul g doing so will not preserve your rights. In your letter, ghrc us the following information: c Your name and Account number. u *The dollar amount of the suspected error. •Descuurritbe the error and explain, g you can, why you believe there is an error. If you need more information, describe the gem you are unsure YouoOO 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 take any action to collect the amount you question. Special Rule for Credit Card Purchases: g 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 oootl&1000, setWAs You have this protection only when the purchase price was more Than SSyo and the purc hase was made in your home state or wr hrn miles of your rtai3 address (if we own or operatb the merchant or If we mailed you the advertisement for the goods or services, all purchases are covered regardless o? the amount or location of purchase.) raymteMS. Sena 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 authorue us to use information on your check to make an electronic fund transfer from YYoouur account at the financial institution indicated of your check or to process the payment as a check transaction. If paynnent is processed as an ekclronk fund transfer, the transfer will be for the amount of the check. When we use information from your check to maake an electronic fund transfer, funds may be withdrawn from your account as sown as the same d8 we receive your pa t and you will not receive your check back from your financial institution. The places ?nd of your payment may be relayyeed? A VDU send cash, correspondenx or other Items VA r payment if send the Wyment to any other add or if you use an eovebpe oO1er than the one provided Payments received on or afte?l P61 Mondayrthrouph Fraay or on a weekenq or bank holiday wig be to ur Account as of the next business day. If you have misplaced your emelope,_send yogr_g>,ymenl to Discover Bank PO Bar 6103, prof Stream e 60197-fi103: 'Please allow 7.10 days for delivery. It your payment is returned unpaid, we reserve the Fight to resubmit it as an electronic debiL You can W Onfa r minimum payment or a greater amount over the telephone, and TU can set up automatic payments Call us at 1-800.347.2683. You will need statement and your bank account Information. You must ensure Thal sufficient funds are avagahis in your bank account and all transactions must comply with U.S. law. You will be asked to provide the firs{ 5 digits of your account statement zip code. By entering those numbers as your el ctiehic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account as applicabIsto correct an error in the processing of such JaymenL You must tell us the amourN of each payment or you can select an arnoun such as the Minimum Payment Due or the New Balance on eacA statement You can eit 1 a 7111111, however we must receive notice at least three business days in advance of the scheduled payment. You may noWy us by phone at 1-86g-347-T6B3 or by mail at address listed in the prMOUS paragraph. You your m rc nts may vary in amcunl? will tell you on chthebdy Statement when your payment or will be made and how much it will lte Your Automatic payment amount may tau than monthly statement based on credits payments applied during the billing cycle. Credit ReportYrg. We may report information about your account to credit bureaus Late payments, missed pa nts, or other defaults on your account may be reflected in your credit report we nor malry re the status and payment history of your Account to credit reporting agencies each month. Hyqy be that our reOOA is fnaccuraUs or mcoi ,e please write us at the following address: Discover Classic Card, Pa Box 15316, Wilminglari DE 19850.5316. Plea inchrde your name, ddr hone a telephone number and Anemmr numhnr Periodic Fiance Chrrea. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the w e the Uansaclion occurs until the oak of repayment and on Cad Balances until the date of repoymenl (Hit Balances are compilsed of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billin statement on which the purchase first appears by the Payment Due Date. and the Payments and Credits on that statement equal or exceed your Iprevious Balance. We call (Ais the ;grace period". You do not haw2 a grax 9.1 iod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance lansfers and ash advances beg(nnurdwRh date the transaction occurs. Periodic Finance Charges are unposed on elf transactions and lid Balances until the date of repayment Repayment means pa ent of your entire New Balance. However d you pay the New Balanpe shown on this billing statement by the Payment Due Date, and the Paymenlsmand Credits shown on this statement equal or exceed the Previous Balance we will not impose Perioditc Finance Char on new purchases, that is purchases first appppeearing on this statement. If your Account was closed as of: (p) September 27,1999; or (8) Augustg31,2001 and was formerly, a biscovere Prime Option, ?iscover National Alliance for Specks Survivalr9 or Universal Studios Account or (i%September 30, 2001 and was formerly a Discover S 0sanien AccWmt g)u cap a. payment qf. .arkidic. Finance Charges if yW ).pay the rI. la cie :shown on this statement by the Paymer{_Due Uare and die Pa rats and Ci on this statement equal or exceed yuui rieviiius Bat i,cc. Otnerwrse, you will receive a billing s{a{emeiir next month that incl e.FbrIZ Finance Chance imposed until the date of repayment We c is to Finance Charges. , cis day is purchases, cash advances, balance transfers and Oki Balances (which we refer to as transaction ategaias using the following equation: Average Daily Balance x number of derYs in the bglin period x Daily Periodic Rate. (Refer to the finance charge w ry on the front of Parr statement for these amountsv)er Then we adri all the Perk Finance Charges for each transaction aleroy to get the total a nodic F inance Charges for your Account The #age Daily Balance is shown as 0 if no Periodic Finance Charges apply o the balance in a transaction category. We use the two-cycle average W balance (including new UansacOons) method of cakulaling the balance upon which we impose Periodic Finance Charles The roans if you did died pay the New Balance shown PUne bil0np statement you received durng the previous biting ?riod Dy the Payment Due Date, vie wu1 umpp? Periodic Finance L7urges on new urchases that fins{ a red on that bit mg statement as we t as new purchases Nal fuslar On this Di6ir1Q statement unless WE already imposed Perodic Finance Charges on the purchases on your aevbus billind pur. ... _ ..- °_ are the tlate tai De tAe firil d? of Itre cur?ren Gllin uanacu e, maae m a evious pnnng, peruoo is nemaea on y g period when we calcul te your per rc Finance Charges. For TOO (Tekeomniurtleatlom Device for the OnQ assistance, please call 1-800-347.7449. The Discover* Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD ;715C?VER' MCLAIN, ROY C Account number ending in 9362 tkehtec Discovero Card ranked #1 in Customer loyalty-For 11 years in a row! "I've never been so impressed with a company Ihat has looked out for my vmk-being with timely reminders, paperless statements and even a seleplwne call when something looks suspicious. Your service levels are unprecedented in the industry. You ire got a customer in me for life." Jones T. Cleveland, Ohio Experience it for yourself at Discovercan *Accardbg b Are 2008 &wJ Keys Casiww Wr * Engager K6 Repot OWN Deamw Bank, Member FDIC ---------------- --------- Closing Date: July 5, 2002 page 2 of 3 It's smart to consolidate your debts with a DISCOVER(R) PERSONAL LOANI Enjoy FIXED RATES and FIXED MONTHLY PAYMENTS. There are NO APPLICATION FEES and NO PREPAYMENT PENALTY. Apply online at www.D i3coverPersoridLoc ns.com . . Visit the ShopCerder(SM) at Diseovercard.com to take advantage of online and in store shopping offers, Find offers for up to 30% off. Need flack-to3chool supplies? Save on everything from textbooks to new fall clothes and shoes with merchants like Office Max, Barnes & Noble, GAP and Shoebuy.com. Over 70 additional retailers at Discovercard.com. No •Paymentsl No Late Feed No Finance Charged If you lose your job, suffer a disability or take an unpaid leave of absence from work, Discover(R) AccourdGuard(R) frees you from making Discover Card payments. You pay no monthly payrtmats; fees"dr"Hnarice Charges for tip tb"2 jreaFi {'uplo"3 nos: for'lii6?ie of ii5sericar: CaN"1"$77.883•19S9" riow : . ........... . . .. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daffy Periodic PERCENTAGE tNTAGE FINANCE Was RATES RATES CHARM CHAIM _ current billing period: 30 days Purchases $6051.78 0.05477% 19.99% F 19.99% $99.44 crone Cash Advances $1433.86 0.06299% 22.99% F 22.99% $27.10 $0 t The rates that apply to your Account are either fixed (Fl or they may wry (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800.347-2683). ?+ dosing Date: MCtA1N, ROY C DIJCVER July 5, zao2 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 31.80 Purchase Award This Period + 0.00 2.43 0.00 Cas bat Bonus Award Total 3Q.23 Cashback Bonus Award Balance 34.23 Award Available to Redeem $ 0.00 ResirVoFro apply b the CashbacpCmz Partner t7 visit Mcmer"m or call 1-MOOSCOM tl-800.367-2683) for details. for program details,use ashback Boma terms and Conditions. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $6,886.85 S 138.00 Enter Amount Enclosed Below CARD Payment Due Date $ 1- September 4, 2002 Please make check payable to Discover Card or pay online 0 Discovercord.com. 05 SDSN6A010003537 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your ill online and your payment con be made to your account on the some day. Visit Disco~.vasm/payments today. PO BOX 71084 lllusllsiillssselslsslsli CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Iasi illrllli/IIIIlUI111111IIIIIIIllitl111111llllIt i11r11Iasi I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625068868500500000013800 Discover Card Account Summary Closing Date: August 5, 2002 page I of 2 i Account number ending in 9362 Previous Balance $7,748.19 i Payment Due Date September 4, 2002 Payments And Credits - 1,000.OD ;Minimum Payment Due $138.00 Purchases + 5.00 1 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $2,613.00 Balance Transfers + 0.00 Cash Credit Limit $4,750.00 Finance Charges + 133.66 Cash Credh Available $2,613.00 New Balance = $6,886.85 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbook Bonus® Opening Cashbook Bonus Balance $ 34.23 New Coshbock Bonus Earned + 0.00 Cashb4dc Bonus Balance $ 34.23 Cashback8onts3WAnniversary-•------------- ----- Avail a6.lebRet>leem--------- . $ ..__.... 20 _00..._-_. Date: July 5 How Can We He) You? p I . Visit Disc~.casr to pay yarn hill for no cost, view ya latest A=ouat Information, earn and redeem rewards aed mare It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) far fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For MD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dads Dale Payments and 0sadils Jul 31 Jul 31 PAYMENT -THANK YOU $ 500.00 Aug 2 Aug 2 PAYMENT - THANK YOU 500.00 Other/Mfs aanows Jul 31 Jul 31 PAY BY PHONE PROCESSING FEE - DBT 5.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rode fs subject to the terms of the offer including expiration. - ------------------------ --- -- - -- - ' ---------------- --------- - - -- --- - Finance Charge Summary Nominal Transaction Average Doily ANNUM ANNUAL Periodic fee peri6dic Doa FINANa a RATES RAM CHARM CHNM current billing period: 31 days Purchases $6191.81 0.05477% 19.99% F 19.99% $105.12 none i Cash Advances $1461.67 0.06299% 22.99% F 22.99% $28.54 $0 The rates that apply to your Account are either filled t0 or they may wry M as noted above. important Informatlen. It there is more than one page to this billing statement, see the back of each page for additional important infomauon See Vow Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. N v N Lost or stolen cards. Report immedialeyl Call 1400-947-2883. Z Sunisra" In Case of Errors or Questions About Your Bill: If ?u think your bill is wrong, or it you need more information about a o tre?cfann on n your bill, write us pn a seWrate sheet of paper at Discover Lard; PO Box 30421, Salt Lake City. UT 84130-0421, as soon as possible. We must hear Men you no later than 54 days aner we sent you the first bill on which the error or problem appeared. You can telephone us,'but °o doing so win not preserve your rights M 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 bout v You do not have to pay any amount in question while we are investigating, but you, are still obligated to pay the parts or your bill that are not in question While we investigate your question, we. cannot report you as delinquent or ake any action to collect the amount you question. Speelal Rtde for Credit Card Ptaeheses: Iryp u have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good, faith to correct the problem with the merchant Yyopu may not have to ppaay the remaining amount due on the goods or services You have this pioltection only when the purchase Price was more than $50 and the purCtnase was made in your home slate or within 100 miles of your mailed address. (U we who or rate the merchant or U we mailed you the advertisement for the goods or services, all purchases are covered regardless Ir the amount or location of purchase.) Payments. Send only your payment and the top potion of this statement in the envelope provided Do not send cash. By sending your check. as described above, you autbionze us to use Information on your check to make an electronic fund transfer trom Your account at the financial WsUtubon indicated on your c aek or to process the payment as a check transaction. If payment is proeq it as an electronic fund transfer, the transfer will be for the amount the cheek When we ufe information from your check to make an electronic fund transfer funds may be withdrawn from your account as loin as the same day we receive your W ient and you wiN not receive your check back from your financial institution. The proce of your pa?nribfrt may be disk 8 You send cash, correspondence or a er Rams with yyoour payment if send the payment to any other addreft or U you se an a lope toner than the one provided. Payments received on or offer 1 P Mondathrough Friday or on a weeken4 of bank holIV wig be posted to lrour Account as of the next business day. If you have, misplaced your envelope, send yatr_payment to Discover Bank. PO Box 6103. Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery VOW payment is returned unpaid weresiive the dUDMK It as an erections: peon. Pa your minimum Da nt Of a greater amount over the telephone, and You can set up automatic payments reed this statament and your bank account information. You must ensure that sufficient funds are aver able in its must comply with U.S. law. You win be asked to provide the full. 5 digits of your account statement z as your eee ic signatwe win be agreeing to this authorization to allow us and Your bank to deduct r bank account and to initiate debit or credit entries to your bank account as applicable .0 correct an errs You must ten us the amount or each payment or you can select in amount such as the y4rnimum Payment. indicated on the maithly statement based on credits or payments apprrcd oaring me Dimng cycrc. CredR Repo ti g. We may report information about your account to credit bureaus Late payments, missed pa nts, or other defaults on your account may bep reflected in your credit report. We normally nipo it the status and payment history of your Account to credit reporting agencrcs each follawin ilmin Un-DDEE 18650- l 5 that. Pkage I our reboil ISncludeMy0 rmnflime ddress, hoireletek wphone rite number us at the and Accoun and Accou address: Discover Classic Card, PO Box 15316, WianinglDt number. Periodic Fkwrce Claur Except as provided below, we will imbase Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid Yrt?nt of Periodic Finance Cha on new purchases it you pay the New Balance shown on the billing statement on which the purchase lust spears by IDe Payment Due Gale, gild the Payments and Credits an that statement spool o exceed your Previous Balance We call this the " red". You do not hays a grace Deriotl on balance Uanafers or casA advances. Periodic Finance Charges are imposed on new lance U3nsters and Gsh adwiues Degnlolnp with the date Ne lrmsaclion occurs. baPe riodic Financo Charges are pit elf transactions and DW Ba?mes until the date W repayment Repayment means pa rat of your entire New Balance. However B you pf tine New Balar?se shown on Nis Rita, statement , the Payment Due Data, and the Pa ifs and Gedds shown ame this statamenl aqua) a exceed the Previars Balance we win not pose Poriod Finance Char es on new purcnases, that is purchases first on anno on this statement U vour Account was cl as d: li) SeD_tember 27,1999; or (ii)_AugusP31,2001 anG was_ROrmery a Discover® Prime Film Pa nts 'an-ci--&W irii Otis statement equri or exceed your ncviuus Balace. Otherwise, you will receive a During statement next iat includes Perlo0ic Finance CDUga untB tea date of repayment to Periodic Finance Ch.r es.eactl ba for purcDases, cash advances, balance transfers and Old Balances (which we refer to as transaction uanpp the Igbwarg equation: Aver tie Daly Balance x number of days in the bill 2® period x Daily Periodic Rate. (Floret , to the finance ib??yarv oft N front of r statement for these amounts) Then we add all the Pail is Finance Charges, for each transaction categgy to lWal P6riodicinance Dirges to your Account The Average Daly Balance is shown as 0 d no Periodic Finance Gorges applyhe in a tremaMion category. is the two-cycle average daily balance (includingu new transactions) method of calculating the balance upon which we impose Periodic statement yott received dungg the previews billing period by Charges This means U ybli did not pay the New Balance shown on the liilNntat PerMlin .Brri appeared on that DilGng statement as well as new nent Due Date we will impose Periodic Finance Gorges on new purchases .. r...i ..,,,.....,, ri,i• ilinn ei•i.m.ni ??nl.e• ww aMeaM immsen Finance roes on the purchases on your oreviWS billing on 0 or because you exceeded youf Account credit limit are ago,lncludeo in Charges which. ate iddetl ao ihi cash advance aansaefton category and Balance-Transfer Tiansaclim Fee Finance Garges wmcn are a balance transfer transaction Category n a transaction made in a previous bitting, inod is itemized on this statement we consider the date to be the first day of the cufranl bilnng period when we calculate your Perodic Finance Charges. For TO (TeleconirnialleaUOro Device for the Deaf) asshtance, please Can 1-990-347-7449. The DiscoveiG Classic Card is issued by Discover Bank, Member FDIC. Closing Date MCLAIN, ROY C DISCOVER Augusts, 2Q02 Account number ending in 9362 CARD page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 34.23 Purchase Award This Period + 0.00 Cas ack Bonus Award Total 34.23 Cashback Bonus Award Balance 34.23 Award Available to Redeem $ 20.00 R?es?tncfions apply to thqq Cashback BonuPa er offers visit Discover com or cop i 800 DISCOVER (1-BM3d7-2683) for details. For program deloils, seo the C,:. bac Bonus Perms and Conditions. New Balance Minimum Payment Dua DISCOVER $6.756.53 $136.00 CARD Payment Due Date oiaber 4, 2002 05 SDSW01 0003538 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online 0 Discovercord.com. Will your payment get to us on time6 Pay your bill online and your payment can be made to your account on the some day. Visit Discovercom/payrnents today. PO BOX 71084 IIIr1rIInrllrsrrirlrrlrls CHARLOTTE NC 28272-1084 Address, e-mail or telephone change4 Print change in space IuI Ilu?un?r?Iun?u?rlrul?Ilurlii?ulullu?rr?rilrln?I above, or go to Discover.com. Print your e-mail address to r receive important Account information and special offers. 000001986458271970625067565300300000013600 ---------------------- Discover Card Account Summary Closing Date: September S, 2002 page 1 of 3 Account number ending in 9362 Previous Balance $6,886.85 Payment Due Date October 4, 2002 Payments And Credits - 300.00 Minimum Payment Due $136.00 Purchases + 47.58 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $2,743.00 Balance Transfers + 0.00 Cash Credit Limit $4,750.00 Finance Charges + 122.10 Cash Credit Available $2,743.00 New Balance = $6,756.53 You may be able to avoid Periodic Finance Charges, we the i reverse side for details. Cashbcfck BOnus® Opening Cashback Bonus Balance $ 34.23 New Cashbock Bonus Earned + 0.00 + 0.12 Cashbock BoausS Anniversary -------------- ------- Cashbadc Bons Balance Avai(ubls f6 Tfsdeem---------- $ 34.35 Date: July 5 ' CONGRATULATIONSI Now that your award is $20 or more, you can redeem It In $20 increments by caring 1-877-YC(JR-AWARD t or by k)Ming into the Account Carter at Discovercard.com- How Can We Help You? 1. Visit Discover can to pay yaw 61111 for no cost, view latest Account information, a= and redeem rewards rand more It's your choice - 3 ways to help 2. Call I.800-DISCOVER (347.2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 1 ° 3. Write us of Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guaran1w Use your Discover Card with confidence. Trans. s. Poo ate payments and Credits Sep 5 Sep 5 PAYMENT - THANK YOU $ -300.00 Gas/Automatfve Aug 16 Aug 16 WEST SHORE MOVING CENT MECHANICSBUR PA 47.58 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. Important Inlormatleo. 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 on Lost or stolen cards. Report immediately. Call 1-500-347-2683. Z M BIOM Rights Summery. In Case of Errors or Digestions ADOUI Your Bill: If you think your bill is wrong or if you need more information about a c transaction on your Dill, write us on a separate sheet of paper at Discover Grd; PO Box 30421, Salt lake City. UT 64130.0421, 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,'bul °o doing so will not preserve your rights. In your letter, give us the following information: o Your name and Account number. -The dollar amount of the suspected error. -Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure v You^tlo 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. SpeeW Rule for Credit Card PtNelspes: K 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 ivy the remaining amount due on the R00 hinds or services You have this protection only when the purchase price was more Than S50 and the purc hase was made in your home slate or wi hin 100 Of miles of your mailing address. (If we rwrii or operate the merchant, or K we mailed you the advertisement for the good f or services, all purchases are covered regardless df the amount or location of purchase.) - 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, yogi authorize us to use information on your check to make an electronic fund transfer from YYoour account at the financial icheck o indicated on your c k or to process the payment as a check transaction. K payment is processed as an electronic fund transfer, the transfer will be for the amount d the check When we use information from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as the same day we receive your pa t, and you will not receive your check back from your financial Institution. The. process' of your payment mey be deVd K you send cash, correspondence or other gems with Your payment, if send the payment to any other address or K yyou use apnosMilelope other than the one provided. Paymenyts received on or alter 1 Pkl Monda?roudphyoF?riday or on a Discovetl?bk Bodo 66103 prof Stroim, g 6u0197-fi g^3?sPkasthe alrocv 7u,0 aaysafor delrveryhal 'lviicppa}ceimdenylois fill ru need, pelf, we PesyeAewr ntltie right to rembmk it as an eleetrdnic debit You can pay your minimum foaYment or a greater amount over the telephone, and you an set up automatic payments. Call us at 1.800-347-2683. You will n this statement, anntld Your bank account information. You must ensure that sufficient funds are aval ble input bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account stalemenl n code. By entering those numbers as r electronic signature, you will be agreeing to this auNwlnbon to alkw us and Your bank to deduct each payment you authorize from r bank account, and to iniuafe debit or credit entries to your bank account, as applicable to correct an error in this processor9 W such pa cat You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You an cancel a k however we must receive notice at least three business days in advance of the scheduled payment.. You may notifvcnsbyphhone at 10-Wh 7 or by mail at address listed in the previous Paragraph. If your payments may vary in amount ?we will tell statement yon, e3 y your petment will be made and how much it will be Your Automatic payment amount may less than ndx aloe on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report infomalion about your account to credit bureaus Late payments, mused payments, or other defaults on your account may be reflected in your credit report We normally reeppo?rtt the status and payment history of your Account to credit reporting agencies each month. If yoy believe that our report Is inaccurate or incompkle, please write us at the following address: Discover Classic Card, PO Box 15316, Wilmington DE 198 0 5316. Pleasd include your name, address, home telephone number and Account number. Periodic Fiance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers and Comprised beginning ed M ither Purrchasetransaction cash advances made ondate o r of prior tpay o tthe last day of your bilbn until the date of repayment Oltl Balances are Line balances g period ending ding during ing February 1993 or Reserve You an avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billin statement on which the ppurchase first appe{rs by the Payment Due Dale, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the "grace period'. You do not have a lapped period on balance transfers or cash advances Periodic Finance Charges are imposed on new balance s ers and Cash advancm; beg n it wKh the date the transaction occurs. Periodic Finance Charges are unposed on a i ansactions and Old Balances until the dale of repayment Repayment means W nt of your entire New Balance. however if you pay the New Balart shown on this billing statement by the Payment Due Date, and Inc PaYmen[s and Credits shown on this statement equal or exceed the Previous Balance we will not f0ipose Periodi0 Finance Charges31of new purchases, that is purchases first apppeearing on this statement K your Account was cldsal as of (f) September 27,1999; or (f)) August ,2001 and was formery a bikover® Prime Oplxn, fl'iscover National Alliance for ySpeeles Styrrvivalm or Universal Studios Account; or (iril September 30, 2001 and was forrrrerN a Discover SmilhsesiT.p.ACCllunl, sew carevey pis l ant of PSiloft Finance Chargep i[.ig`u ,nay the p?wr_ la cp shown on this statement by the Payment Due flare aria the Pa n(s and Cdedfts on this riaidment e% month al OF exceed your r-vvluus Balidice. OtRerwise, you will receive a billing slatemenn next that Inch s Pert g e anFinance Chorfgga!f imposed until the date or repayment We compute iodic Fince Charges, aaCh day for purchases, cash advances balance transfers and Oki Balances (which we refer to as transaction categories) by u the following equaion: Average Daily Balance x number of days in the billet9g period x Daily Periodic Rate. (Refer to the finance charge worm P the front of Yoirr statement for these amounts.) Then we add all the Periodic Finance Charges for each transaction cate0oty to gel a tolal Par Clarges for your Account. The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply o the balance m a transaction category. We use the tyro-cycle aver daiN!y balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charggeess This meats K uaM ter, pay the New Balance shown on the bilfing statement you received dun the previous billing period by the Payment-Due Date, we will Periodic Finance Charges on new purchases chat first appeared on that bung statement, as well as new purchases that first appear on this ping statement unless we alreatlv imposed Periodic Finance Charges on the Curchases on your previous billing statement We compute the average daily balance for each transaction category by adding up all the daft' balances in a billing period for a transaction cateoorv and d'rvidina the total the number of daya fn the billing cycle. We compute the dairy balance for each transaction category on each daY DvTirst adding the Totbwfn9 to a pprrevious days dally balance: transaction made loaf daV, fees chargped that day antl Periodic Finance Charges ac ru on Ne previous days dally balance ; and try then wotracling anY credits and payments that are i?plied against N bala nce ot the lansactidn cateoorv on that dory. In cakufriinp Ne dairy balance for the prevroGs billing period, we consder the gevious tlays daily balance " to have Dee. 0 on the- first da/ of a blKind period. Old Balances are exclude s from Ne ba rice of the purchase and cash advance LranacUon ategorles S fort rate balance transfers and Balance Transfer Tnnsaclion Fee Finance Charges are InCludetl in the daft' balance Uansfer Uansacli_ category. Glance transfers Nat were suDkcl to an nitial s pt. cafe that has Oven terminated due N is late W merit of because you exceeded l1rorouur Account credit limit are also Inelude0 m the Cale o unW !Oil initial speclal rate dherwise woukf Gave expired. In calculating the dairy bala.ce.of the balance transfer lansaction category on Charges which are added to the ash advance trarislic(ion ca •_. ..` 'n`-F- i'n" ., tin a evi Balance ranster Transaction Fee Finance Charges which are a balance transfer first transaction cal If a transaction nude previous ,fijn. p?riod is itemized on this statement, we consider the orate to be the Drst day y o of the Curren billing period when we caa alculate your Per is finance Charges. For TOD (Telecommurdcations Device for the Deaf) assistance, please call 1-800-347-7449. The Oiscover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER MCLAIN, ROY C DISCOVER C- Br ter Account number ending in 9362 CARD Discovers Card ranked #1 in Customer loyalty-for 11 years in a row! "I've never been so impressed with a company that has boked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." lames T.-Cleveland, Ohio Experience it for yourself at Descoveccom *Ac-r h g b dw 2008 stud Kere Ceekma LW* Engngemens Inds ReW 02008 Dow w Bank, M n bw FDIC Closing Date: September 5, 2002 page 2 of 3 Finance Charge Summary Nominal Transaction Avarnga Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PEKWAGE PERCENTAGE FRdAMCE F14ANCE B9Ls3 Rates RATES RASES CHARGES CHARGES «xrerd billing period: 31 days ;Purchases $5477.81 0.05477% 19.99% F 19.99% $93.00 none 'Cash Advances $1490.49 0.06299% 22.99% F 22.99% $29.10 s0 The rates that apply to your Account am either fixed (F) or they may vary ;?1} as noted above. 'OWS60111S? Manage your account at Discaver.com or call 1.800-DISCOVER (1-800-347-2683). Closing Date: MCLA1N, ROY C D1SCVER September 5, 2002 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 34.23 Purchase Award This Period + 0.00 0.12 Cas ac Bonus Award Total 34.35 Cashback Bonus Award Balance 34.35 Award Available to Redeem $ 20.00 i Restrictions apply to fhe Cashback Bonus Partner offers visit Discover or call {-8004)*OYER t1.800347.2683) for details. For program details, see the Cashbock Bonus farms and Conditions. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $7,523.50 $151.00 Enter Amount Enclosed Below CARD Payment Due Date $ November 4, 2002 please make check poyoble to Discover Card or pay online 01 Discovercord.com. 05 SOSMA01 0003539 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will Your payment get to us on timer Pay your bill online and your payment can be mode to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 ({{ur{{m{{uu{,{u{,{r CHARLOTTE NC 28272-1084 Address, emoil or telephone changeP Print change in space {{u?ur?r?{un{rr{, n,({{{ur{n{r,(n?{nr{n{u{r(n{) above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458271370625075235000500000015100 Discover Card Account Summary ;Account number ending in 9362 Payment Due Date November 4, 2002 Minimum Payment Due $151.00 Credit Limit $9,500.00 Credit Available $1,976.00 `Cash Credit Limit $4,750.00 Cash Credit Available $1,976.00 Closing Dale: Cktober 5, 2002 page 1 of 3 Previous Balance $6,756-53 Payments And Credits 500.00 Purchases + 1,138.99 Cash Advances + 0.00 Balance Transfers + 0-00 Finance Charges + 127.98 New Balance - $7,523-50 You may be able to avoid Periodic Finance Charges, see the reverse side For details. :Cashback Bonus* Opening Cashback Bonus Balance $ 34.35 New Cashback Bonus Earned + 0.00 + 2.84 $ n bbatk. tt? ? .... _ . 7_, L9 ;Cashback Bonua Anniversary --- ---- :Date: July 5 Available to Redeem $ 20.00 .CONGRATULATIONSI Now that your award is $20 or more, you car redeem it in $20 !increments by calling 1.877-YOUR-AWARD :or by kxiaina into the Account Center at How Can We Help You? 1. Visit Discarer corn, to par year bill for no cost, view r low Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800AMSCOVER (347.2683) for fWt, easy sol4ervice our Discover Card available. options or to speak with a Customer Service Account Manager Please have your TDD istance for hear. no reverse side ' Write at sad, PO Box 30943, 4? homing impaired) Soh Lak take Citly, U UT T 8 8r C4130 Transactions $0 Fraud Liability Guarontee Use yaw Discover Card with confidence. Trans. Post Date Date ipayrnerrts and Credits Oct 3 Oct 3 PAYMENT • THANK YOU $ 500.00 Msrchand m/Retail Sep 11 Sep 11 LOWE'S 706 CHAMBERSBURG PA 284.06 --------- - - ------Sep i2---Sep-1R- -GRIZitY-tNDUMIALINC-OM5234777 WA------- 02" t`--- 1138 Sep 20 Sep 20 WALMART STORE 001886 MECHANICSBURGPA 53A7 'Gas/Automotive Sep 10 Sep 10 KWIK FILL #259 MECHANICSBRG PA 15.01 Sep 10 Sep 10 WEST SHORE MOVING CENT MECHANICSBUR PA 85.84 Smvices Sep 5 Sep 6 SIGNS BY TOMORROW CAMP HILL PA 111.30 Sep 20 Sep 20 ENGLE PRINTING & PUBL. MOUNT JOY PA 376.00 ;Gm wnnw* Services Sep 20 Sep 20 PA DRIVER/VEHICLE SERV 8009324600 PA 153.00 'Information For You 'Great Balance Transeer Rotesl Call I-S00-767-7339 to find out if a Balance Transfer rate is available for you. ;Visit Discovercard.com for details on how to enter our online Holiday Shopping Sweepstakes. tmportard Information. it there is more than one page to this Wiling statement see the back of each page for additional important information. See your Cardrember Agreemerd. Your Cardmember Agreement contains all the terms of your AccounL rn v m Lost or stolen cards. Report immediately'. Call 1800-347-2689. M 8111" oughts Summary. In Case of Errors or Oueslbns About Your Bile If you think your bill is wrori , or it you need more information about a o transaction on Vyopuurr bill, write us ion a testate sheet of paper at Discover Grd; PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must bear Irom you no later Ur an 6<r days, alter we sent you the fin. bill on which the error or problem appeared. You can telephone us,'but g doing so will not preserve your rights. In your tter, give us the following Information: °, -Your name and Account number. 0 -The dollar amount of the suspecled 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 uu?? J YouoA 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 mvirftate your question, we cannot report you as delinquent or lake any action to collect the amount you question. Special Roue for Credit Card Purdmas: hyou 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 mu not have toW y the remaining amount due on th coeds or services You have this pio?eern only when the purcbase price was mare than $50 and the purchase was nude in your hone slate or Yoh m 100 miles of your mailing address. (q we own or operalb the merchant or U we mailed you the advertisement for the goods or services, all purchases are covered regardless or the amount or location of purchase.) Payments. Send only your payment and the top portion or 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 nuke an electronic fund transfer from Cut account at the financial institution indicated on your a .K or to process the payment as a check transaction. If pa nt a sed as an efacUOnic fund transfer, the transfer will be for the amount dd 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 xime da we receive your pa t and you will not receive it' check back Irom r financial institution. The processingp of your t may be delayed A you send cash, correspondencolmer Items with tar payment if send the payment to any other address orif you4an n t1ope otter than the one provided. Payments received on or of er 1 PIR Monde through Friday or on a weekend or bank holdsy will be posted 1oICr Account as of the next business day. If you have, misplaced your alive' - sen0 gr.Rayment to his,-tr Rank Pn Rai 6t 02 Grd Stream. 60197-6103. Please all6w 7.10 days for delivery. It ybur payment Is returned unpaiit we reserve the eSUDmh n as n w n new a su ns must coi as Your eit 7,1' IT in noeIV us by phone at 1-epb-34MM J Or mac at aopre55 IRlea in the preYlWs wig igpri. Z yam w minis- mq -•?l •??^^•,, ••' ^•" yaf on each monthly statement what your m w61 be made and how much it wig Your Autom tic payment amount may less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed parents. or other defaults on your account nW to reflected in your credit report We normally report the status and payment history of your Accouncredit reporting agences each month, If yyorr believe that der report is maccurate or incort ete, please write us at the following adaesv. Discover Classic Caro PlT !lox 15316. Wilmington "DE 19850.5316. Pleast include your name, address, home telephone number and Account number. Perbtpe Flwrce Comes. Except as provided below, vie omit impose Periodic Finance Charges on purchases, cash advances and balance Uansters heginnmIngd with list tlafe the lransacUon occurs until Na tlate of repayment and on Old Balances until the date of repsymenL 010 Balances are cemprbeil of eilner purchases and cash advances made on or prior to the last day of your DIIOng period ending during February 1993 or Reserve Line bagnces. You can avatl nt of Periodic Finance Charges on new purchases d you pay the New Balance shown on the trilling statement on which the purchase first lap art Dy the Payment Due Dale, antl Ne Payments and Credits on Nat stalement aCUal or exceed your Previous Balance. We call this Ne " race period . You a not have a grace perod on balance tramfers or cash advances. Perkxfic Finance Charges are imposed on new balance transfers aril cash advances bepairinp with the date the transaction occurs. Pedodio Finance Charbes re, mpoaad on. R traruaclions and Old MM,, es until the date of repayment Repayment means payment of your entire we win not impose rereoic rrr as at. (t1 September 27.199t. or ma r exceed your" rie:wus Baf.i,ce. Otherwise, you will receive a billing statement next date of repayment. s, cash advances, balance transfers and Old Balances (which we refer to as transaction ice x number of days in the bilbng period x Daily Periodic Rate. (Refer to the finance ruts.) The, we add a0 the Periodic Finance Charges for each transaction category to e Average Oaiy Balance Is shown as 0 if no Periodic Finance Charges apply to the new transactions) method of calculating the balance uppoon which we impose Periodic mice shown on the bilid; statement yotf received dun Mt the previous billing period by gas on new purchases teat first a pared on that billing statement as we as new atreadv initiated Periodic Finance Charoes on the purchases on your previous billing are the in in me nrv on Charges whit' •W iddetl t0 the cash advance transaction category and Balance Trinster Transaction Fee Finance Charges which are V balance transfer transaction category. d a transaction made in a previous billing. p?riotl Is i(emhzed on this statement, we consider the date to be the first day of the current billing period when we calculate your PerioOic Finance Charges. For TDD (Telecommurdcafbns Device for the Deal) assistance, please call 1-800.347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC DISCOVER CARD DISCOVER MCLA!N, ROY C Account number ending in 9362 Woer Discover' Card ranked 'i in Customer loyalty--for 11 years in a rowl* 'I've never been so impressed with o company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service)evels are unprecedented in the industry. You've got a customer in me for life." James T.-Cleveland, Ohio E)yerience it For yourself at Diswow com +Aaordu,g to do M &and Keys C.ob Wl* Engoyenr0 b%6 Repel WAN Diswrer Rack, Wmbv FDIC ---- Closing Date: October 5, 2002 page 2 of 3 No Payments! No Lots Feast No Finance C6or9esl If you lose your job, sulfa' a disability or take an unpaid !save of absence from work, Discover(R) AccountGuord(R) frees you from making Discover Card payments. You pay no monthly payments, fees or finance charges for up to 2 yeas (up to 3 mos. for leave of absence). Call 1-877-883-1959 nowl Discover(R) Card is looking for America's best high school juniors far the tribute Award(R) Scholarship Program. If you know a currant high school junior who is an all-around achiever, beyond academics, we want to know !hem too! To find out more about the scholarship program, visit our website at D'scovercard.com/tribute.htm. For a list of our great Cashback Bomx(R) Partners, login to the Account Center at Discovercord.com or calf us at 1-877-YOUR-AWARD (1-877-968.7292). - --------- ------------------------ ------------------- ------- hook for Gourmet Magazine's October Restaurord Issas featuring a selection of fine restourarts now accepting Dscovo*) Card. On newssiands October 1, the issue features restaurants in cities including New York, Chicago, San Francisco, Los Angeles and Washington D.C. Finance Charge Summary Nominal Transaction Averogs Doily ANIMAL AAtWK Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rater RATES RATES CHARM CHARM current billing period: 30 days Purchases $6041.82 0.05477%, 19.99% F 19.99% $99.27 none Cash Advances $1514.38 0.06299% 22.99% F 22.99% $28.71 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. QUeStlOnS? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). Closing Date: MC[AIN, ROY C DISCOVER' Odober 5, 2002 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 34.35 Purchase Award This Period + 0.00 2.84 0.00 Cas c Bonus Award Total 37.19 Cashback Bonus Award Balance Award Available to Redeem 37.19 $ 20.00 Restrictions apply to Carhback Bonus P r offers visit Discover can or cal 1-8004MOV9t (1 800347-2683) For details. For program ils, see the Cashbock Bonus terms and Conditions. New Balance Minimum P?ayrn Due DISCV02, ER° $7,637.43 $153.00 CARD Payment Due Dale December 4, 2002 05 SDSN6A0100D3540 MCLAIM, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online ® Discovercord.com. Will your payment gel to us on time? Pay your bill online and your payment can be made to your account on the one day. Visit Discover.cosn/payments today. PO BOX 71084 (lleeelleeelleeeelelelisle CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space uIe (leeluels((rulu(1Ill fill I/II if 1111III1IIIIIIIUIIill II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625076374300000000015300 Discover Card Account Summary Closing Date: November 5, 2002 page 1 of 3 Account number ending in 9362 Payment Due Date December 4, 2002 Minimum Payment Due $153.00 Credit limit $9,500.00 Credit Available $1,862.00 Cash Credit Limit $4,750.00 Cash Credit Available $1,862.00 Previous Balance $7,523.50 Payments And Credits - 500.00 Purchases + 475.82 Cash Advances + 0.00 Baksnce Transfers + 0.00 Finarew Chexges . + 138.11 New Balance = $7,637.43 You may be able to avoid Periodic finance Charges, see the i reverse side for details. Cashback Bonus® Opening Coshback Bonus Balance $ 37.19 New Cashback Bonus Earned + 0.00 + 1.60 .. Lashback-Bonuse Anniversary Cashback Bongs Balante_ ... _ . Avdiable Io Redeem E .. . $ ... 3@t7.2.... 20.00 Dore: Jug 5 How Can We Help You? 1. Visit Discov xam to pay yaw 6M for no cod, vi kit Account Wormation, earn and redeem revvads and more It's your choice - 3 ways to help 2. Call 1-800IRSCOVER (347-2683) for fast, easy 44F service Please have your Discover Card available. y° options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Paymerris and Cre&s Nov 5 Nov 5 PHONE PAYMENT -THANK YOU $ -500.00 Mer&aKr"/Retad Oct 16 Oct 16 THE HOME DEPOT 4120 tvMECHANICSBURGPA 17.94 Oct 21 Oct 21 CAMP HILL DISTRUBOR LEMOYNE PA 15.07 Oct 29 Oct 29 CVS 1630 NEW CUMBERIANPA 11.47 i Gas/Automotive Oct 9 Oct 9 KWIK FILL #259 MECHANICSBRG PA 17.00 Oct 9 Oct 9 WEST SHORE MOVING CENT MECHANICSBUR PA 84.26 Oct 16 Oct 16 A & B AUTOMOTIVE MECHANICSBURGPA 194.26 Oct 17 Oct 17 WEST SHORE MOVING CENT MECHANICSBUR PA 47.38 -' - ----- ----OcF38 O)d WESTSH6REMOVI146CENTMECHANICSBURAA -- - ----72.19 v Oct 21 Oct 21 FLYING J CARLISLE PA 16.25 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. 'Our records show your current phone number as (717) 697-0557. if this is not correct please update it in the address change area above. No Payments! No Late Feed No Finance Charges! If you lose your job, suffer a disability or take an unpaid leave of absence from work, Discover(R) Accoure Guard(R) frees you from making Discover Card payments. You pay no monthly payments, feces or finance charges for up to 2 years (up to 3 mos. for leave of absence). Call 1-877-883.1959 nowl Important Information. It there is more than one page to this balling 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 ra 0 Lost or stolen cards. Report immediatey! Call 1-800-347-2683, U> BWing Rights S . In Case of Errors or Ouestions About Your gilt. If yyoouu think your bill is wrong, or it you need more information about a o Uansaclion on r bi ,write us pis a se rate sheet rN paper al Discover frrd; PO Box 30421, Salt Lake City, UT 84130-0421, as soon as posstbte. We must hear from you no later than SU days after we sent you the first bill on which the error or problem appeared. You can telephone us,'but g doing so will not preserve your rights In your letter, give us the following information: Your name and Account number. -The dollar amount of the suspected error. -Describe ibe the error and explain, d you can, why you beiieve there is an error. it you need more information, describe the item you are unsure Youptlo I. 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 take any action to collect the amount you question. Special RWe for CmM Card Piachnes: liYyoouu have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant you mayy not have to pay the remaining amount due on the goods or semces You have this protection only when the purchase price was more than t5D and the purc ase was maw to your Dome stale or wI in 100 corks of your mailingg? address. (it we own or reratb the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless ot the amount or location of purchase.) 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 yyoouur account at the financial institution indicated on your check or to process the payment as a check transaction. N pa menl is processed as an afectronic fund transfer, the transfer will be for the amount d the chwK When we use information from your check to mike an electronic fund transfer funds may be withdrawn from your account as soon as the same day we receive your l and you will not receive your check back from your Yinancial institution. The. proceporeW ssssiInngg of your payment may be delayyeedo p7 ml, send cash, correspondence or other gems with your payment if u send the payment to any other ad or U you use an envelope uDlat than the one provided. Payments received on or after 1 "PGI Monda throuD Friday or on a sen your_gayment to weekenq or bank holida wig be pp W to your Account as of the next business day. If you have. misplaced your envelope I Discover Bank PO Box 6103, Caro Sf tream K 60197.6103. Please allow 7•10 days for dehvery. If your payment is returned unpaiQ we reserve the nVt to resubmit it as an electronic debit You can r minimum Yment or a greater amount over the telephone, and You can set up automatic payments. GII us at 1-800.347-2683. You will need 111la statemenl.ar?id Your bank account information. You must ensure tAat 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 code. By entering thou numbers as Your ekctrmic apnaILI you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account and to indhfe debit or credo entries to your bank account as applicable to. correct an error in lDe pmcessig of such M You must tW1 us the amount of each payment or you can select an amount such as the Alinimum Payment lure or the New Balance on each statement. You can cancel a t however we mus7 receive police at least three business days in advance of the scheduled payment. You may ndily us Dy hone at 1-800.3 7. 563 or by coati at address listed in the previous parappnph. If your payYmments mat vary in amount we will tell you on ch modthy sUterhunt when your payment wiB be made and how much it w41?e Your Automatic paymetil amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report Information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. 9 wv believe that our report is inaccurate or kicomplete, please write us at the following address, Discover Classic Card, P1T Box 15316, Wilmington -DE 19850.5316. Please include your name, address, home telephone number and Account number. Perledic FNwhee Chardes. Except as provided below, we will impose Periodic Finance Chai9es on purchases, cash advances and balance transfer' beginning with the da[a the transaction occurs un01 the dale of repayment and on WO Balances until lne dale of repaymeill OII Baknces are Line balances. lther purchases and cash advances made on or prior to lire last day of your Dgling period ending during February 1993 or Reserve comprised W e y-. vail payment of Perkdic Finance Charges on new purchaaes if you pay me New Balance shown on flu Dilting slatemenl on wDicD the puse first appears by lira Payment is Wte, is the Payments and Crcdi, on that stakmanI aQUal w exceed your Previous Balance. We cat this the "once Derod". You do not lave a prase perod. oih Wlahe transfers or cash advances Periodic Finance Charges are imposed on new nice. Havever-d you pay IAe New Balance shown on this bunco sntement rile rayrnem uue uam. anu me re mcnu any u- ., ?.. Aalement equal or exceed lAe Previous nee we will not umpose Period Finance CAarges on haw Durcha s, that is, purchases first 3 qri this statement. lt your Account was closed as at. (i) September 27,1999; of (a) Augusf 31 ,2001 and was formerly a Discoverer Prime cov r Ascover a Nlance fa SSppeeceks Survivaldi or Universal Studios Account or (iii! Se wismbeE, r 30 you , will 2001 and receive a was oilfiorng mer%,,m Dislalemenu next ia0.A000Unt you caP a. payment ql Per1oA)c Efnance Charge; if_ypy,pny the fr++ w Pala cPSnown on this statement by the el!tDue eq ai a exceeu yuw r?avaius ttaf:iie.I :Ire Pa n[s and t;it on inn stxeir2ntu al mcl s Per ran FMnce CharOes Ilrlpbsed until lAe date of repayment npule afledic ce Chatges each day for purchases cash advances, balance transfers and Old Balances (which we refer to as transaction ;s) by using the folot equalbn: Averapa Daly Balance x number of days in the bilbn9 period x Daily Periodic Rate. (Refer to the finance ummarryy It thp front of yyoouur statement for time artpuIII&) Then we idd all the Periodic Finance Charges, for each transaction cafe0aryto t01a1 P6riDtlic Ffnahice l,Aarges for your Account The Average Dail Balance is shown as 0 it no Perodre Finance Charges apply the in a transaction category. se lire two-cycle avenge daily balance (mcludiri0 new transactions) method of calculating the balance upon which we impose Periodic Chat ggeess This means it You did riot pay the New Balance shown on the bdN statement you received during the previous billing gerund by nentNis Date?we win?(m?ose Periodic Finance Charges on new purchases lhit first appeared on that billing statement as well as new ._ .. .... .. ,.., iu..,. N.i•...-,.r ond.ea uu •Ir- d. ins --, Por•rfic Finance Chames on the Durchases on your Drevious billing were In Charges Which. ii id& to bit cash 2tlvance transaction category and Balance-Tfinsfer Transaction Fee Finance Charges which are a balance transfer transaction ca(?eeo?pprryy g a transaction made in a previous pilling .?rkd Is itemized on this statement we consider the date to be the first day of the current billing period when we calculate your grill is Finance Charges. For TOO (Telecommunications Device For the Deal) assistance, please call 1-900-347.7449. The Discover® Classic Card is issued by Discover Bank, Member FDIK. DISCOVER CARD DISC mg I MC?N, ROY C .- Account number ending in 9362 Bri Mer Discover* Card ranked 'I in Customer Loyalty-for 11 years in a row! "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels ore unprecedented in the industry. You've got a customer in me for life." Janes T. Lleveland, Ohio Experience it for yourself at Discover com I *Aaardirg io the M Brad"Cam Loy* 15*aq wd i du Rep d 021M D'am w Bonk, Member FDIC Closing Date: November 5, 2002 page 2 of 3 Through the efforts of our Cardmembers, Discovw R) Card has donated more than $14 million to the Make.XWish Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) award to the Make-A-Wish Foundation. To loam how, please visit Discovercard.com or visit www.wish.org. For a list of our great Coshbock Bonus(R) Partners, login to the Account Gender at Discovercard.com or call us at ;1.877-YOUR-AWARD (1-877-968.7292): No matter where you go...SafeTrek is on the road with you! SofiiTrek, the Chevron Trove! Club's newest auto club plan offers notion-wide dispatch towing plus travel discounts that add up to security and savings! Pay with your Discover(R) Card and get 2 months FREE) Call 1-800.222-0585 and reference #5211 DIS for more information on how to join! :Finance Charge Summary Nominal Transaction Av erage Daily ANNUAL ANNUAL Periodic F D/ Ra Ic [ M? p ? FWANCE sold s Raise RATES RATES mum current billing period: 31 days Purchases $6353.64 0.05477% 19.99% F 19.99% $107.87 none Cash Advances $1548.85 0.06299% 22.99% F 22.99% $30.24 $0 The mom that apply to your Account are either fixed f) or they may vary M as noted above. Questions? Manage your account at Disccvercom or call 1-SWDISCOVER (1-800-347-2683). Closing per; MC1AIN ROY C DISCOVER November 5, 2002 Account number ending in 9362 CARD poge 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 37.19 Purchase Award This Period + 0.00 1.60 Cas ack Bonus Award Total 38.79 Cashback Bonus Award Balance 38.79 Award Available to Redeem $ 20.00 Restrictions apply to bock Bonus Park offers visit D&eowr cam or ca I400-DISCOVER (1-800-W-2683) for details. For programils, see fhe Cashback?Bomis'terms and caiditions. New Balance Minimum Payment Due Account Number ending in 9362 DISC VEK $8,778.43 $329.00 Enter Amount Enclosed Below CARD Payment Due Date January 4, 2003 please make check payable to Discover Card. Minimum payment due includes a past due amount of $153.00. 05 S0SN6A01 0003541 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Discavercam/payments today. PO BOX 71084 {{{ns{{us{{nn{r{re{i{s CHARLOTTE NC 28272-1084 Address,a-moil or telephone chonge2Print change in space ?u???{n?ru?i{{u?{n{i?u?{{?{nr?u{n{u??u{u{u?i?u?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625087784300000000032900 Discover Card Account Summary Closing Daft. Dumber 5, 2002 page 1 of 3 ;Account number ending in 9362 Previous Balance $7,63743 Payment Due Date January 4, 2003 Payments And Credits 0.00 -Minimum Payment Due $329.00 Purchases + 999.64 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $721.00 Balance Transfers + 0.00 `Cash Credit Umit $4,750.00 Finance Charges + 141.36 `.Cash Credit Avoitable $721.00 New Balance $8,77SA3 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus* Openirg Cashbcck Bonus Balance $ 38.79 New Cashbodc Bonus Earned + 0.00 + 4.77 . Cashbadc BonusS Since-Annivwwry-Dete- - - - - - - - - - A??abc Ja¢oqLus Bake ' - ------------ .. Redeem :of July 5: $9.33 How Can We Help You? I . Visit Discover an to pay your bil for no cost, view you p latest Account information, earn and redeem rewards rand mare 'It's your choice - 3 Ways to help 2. Cal 1-800-DISCOVER (347-2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Cana, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sdt take City, UT 84130 Transactions $0 Fraud Uability Guarantee Use your Discover Card with confidence. Trans. Past Date Dale ?Merdaandise/Rew Nov 14 Nov 14 CAMP HILL D1STRUBOR LEMOYNE PA $ 12.29 Nov 29 Nov 29 LOWES A05 MECHANICSBRG MERCHANICSBRGPA 69.47 Nov 30 Nov 30 KOHLS 337 MECHANICSBURGPA 24.00 Nov 30 Nov 30 LOWES 405 MECHANICSBRG MERCHANICSBRGPA 31.38 fReskmrants Nov 20 Nov 20 RUBY TUESDAY #4197 BRIDGEWATER W 36.42 'Odrer/Mimelaneous Nov 6 Nov 6 PAY BY PHONE PROCESSING FEE -DBT 10.00 Dec 5 Dec 5 LATE FEE 35.00 ;Gas/Autometive -------°-Nov8-_..Nov8--A&B-AUTOMOTLVEMECHANICMRGPA--------- - 301:94- Nov 25 Nov 25 A & B AUTOMOTIVE MECHANICSBURGPA 12.72 Nov 29 Nov 29 KW1K FILL #259 MECHANICWRG PA 29.00 Nov 30 Nov 30 KWIK FILL #259 MECHANICSBRG PA 13.25 Nov 30 Nov 30 KWIK FILL #259 MECHANICSBRG PA 18.00 } Nov 30 Nov 30 TRL414W CAR WASH WE MECHANICSBURGPA 13.77 ;Services Noy 13 Nov 13 ENGLE PRINTING & PUBL. MOUNTJOY PA 376.00 u !Srrpermarke s Nov 25 Nov 25 CHOICE UNGLESTOWN PA 16.38 InforTnation For You ixxxx+xx ATTENTION ******* ATTENTION xxxxxxx ATTENTION xxxxxxx ATTENTION x+xx«xx ;ATTENTION * * * * * * * Your account is past due. Please pay the past due amount now, or contact us to make other ;arrangements. ImeortaM hilarmN{on. 8 there le more than one page to this billing statement, see the back of each page for additional important information. See your Cardmember Ageemert. Your Cardmember Agreement contains all the terms of your Account m 0 Lost or stolen cards. Report immediately! Call 1-800-347-2683, m In Case of Errors or Oueslbns About Your Bill: If you think your till is wrong, or if you need more information about a c .Wits Stationary. transaction Your od write us On a Se rate sheet of =er at Discover Caro PO Boll 30421, Sall Lake City. UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the test. bill on which the error or problem appeared You can telephone us,'but g doing so will not preserve your rights. In your letter, give us the following Information: Your name and Account number. -The dotal amount of the suspected error. -Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure v Youo?o 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, wic cannot report you as delinquent or lake any action to collect the amount you question. Special Rule for Credit Card Purehasa: a Yyoou ban a problem with the quality of goods or services that you purchased with a credit card, and you have trued in good faith to correol fA0 probem with the merchant, You ma not have to pay the remaining amount due on the goods or utwces You have this protection only when Uie purchase As was more Than S50 and the purchase was made in your home state or Ji l 100, miles of our mailing[ address. (t we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered y regareiess of the amount or location of purchase.) 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 YYoouur account at the financial Institution indicated on your chneck or to proceu the payment as a check transaction. t payment is processed as an ekclsonic fund transfer, the transfer will be for the annount d the check. When we use mformatior 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 W aft and you will not receive your checkItem back from your briancial institution. any The processrien?os of your payment may be delavee"f BUtYaou send cash, ca respondence or other with your paVmeraI, it u send the payment to or 9 wekmgr a?ay wi? pa an edvepyeouo? ierACCOU rd ase of toe n0e?bsinesss days If you have ve misplaced lyuf %nrlo? n through tti.payment to tU k holid W Discover Bank, r U Box 6103, Gr Stream. IC 601g7.61D3: Please alknv 7=117 days for delivery If your payment is returned unpaidwe reserve the rigrat to rewDmd It as an electronic debit You can pay Your minimum payment or a greater amount over lne telephone, and you can ill up automatic payments Call us at 1•BDO.347-2663. You wit( need this statement, arW Wur bank aceouM infornuton. You must ensure That sufficient funds are oval Dk in your Dank account and all transactions must comply witn U.S. law. You w61 be asked Id provide ttie first 5 digits d your account statement zp cork. By entering those numbers as r electronic signature, you wit be agreemp te Nis authorization to allow us and your bank te deduct each payment you autAonze from Your D nk aceount and te initiate tkbk a credit er5tres to your bank account as applicable lo. correct an errs lei line pra:essm9 of such ..,,,.., , v,... m„d i.a ??< rh. a?mmr d •ar•n DavmcM m veil can select an airount such as the Minimum Payment Due or the New Balance on fidicated on the modlhiy statement based on Credits a payments appeed during me Meng cycre. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account ma be reflected in your credit report we n rb maty report. the status and payment history of your Account to credit reporting PD1111Cies each month, If y delkye that our report is inaccurate or khcprapimm please write us at the fdlowmg address: Discover Classic Card, Box 15316, Wilmington"DE 19850.5316. Please Include your name, addresk home telephone number and Account number. Periodic Finance Clprdes. Except as provided below. we will impose Periodic Finance ChatAes on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of ether purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avow ymenl of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Curcbau first apWean by the Payment Due Date, and the Payments and Credits on trial statement apseal or exceed your Previous Balance. We call this the `orate Derrod'. You do not have a ante period. on balance transfers or cash advances Periodic Finance Charges are imposed on new r you oex statement eeqquual or exceed your nevruds Bafi1 tr.. DlherwrsE, you will receive a billing statement next is imposed on 1B the date of repayment n day for purchases cash advances, balance transfers and Old Balances (which we refer to as transaction Average Daily Balance x number of days in the bill period x Daily Periodic Rate. (Refer, to the finance yyoourfACCODUnta fie Average DailyBallancelis ssh l own as Oaf no Periodic FinancerCA ra ges appplyfit to halance tineludino new vansactionsl method of calculatna the balance upon which we impose Periodic on nave been u on me nrn o u Dorm perncetdd. Old Balances are excloa fromiethe ba of the purchase and cash advance transaction calaeOaMies Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are Included in the daily balance transfer transaction c3tepory. B?stance transfers that were subject to an initials ill rate that has been terminated due to a late payment or because you exceeded your Account credit limit are also included in the cateporypeucntil the initial special rate otherwise would have expired. In calculating the dairy balance or the balance transfer transaction category on the firs( day of the bsnirrngg period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that became pWurchase rate balance transfers on Uri' and we add that unpaid balance to the balance of the purchase transaction cak9orv At fees charged to your Account are added to the Mbiuurichase transaction category with the exception of Cash Advance Transaction ee Finance Charges which are added to the cash advance transa category and Balance Ttonster Transaction Fee Finance Charges which are added to the balance transfer transaction categoryy t. a transaction made in a previous Dilliesp. rind Is itemized on this statement we consider the transaction date to be the first day of the current billing period when we calculate your Per odic Finance Charges. For TOO (Teleconwmmkotim Device for the Dealt) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. Discovers Card ranked #1 in Customer Loyalty-for 11 years in a row!* 'I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperfem statements and even a telephone call when something kooks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life.' James T.-Cleveland, 06o Experience it for yourself at Discover oom *Attadinii so Am 2008 erond Keys Custonar Loyay Engiegeroed ktdex Report 02008 Ditc a Bank, Member FDIC Dosing Date: December 5, 2002 page 2 of 3 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. No Paymerdsl No Late Fees! No Finance Chorgesl If you lose your job, suffer a disability or take an unpaid leave of absence from work, Discover(R) AceaunlGuard(R) frees you from making Discover Card payments. You pay no monthly payments, Fees or finance charges for up to 2 years (up to 3 mos. for leave of absence). Call 1-877-883-1959 now[ Through the efforts of our Cordmembers, Discwer(R) Card has donated more than $14 million to the Make-A Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashbook Bonus(R) award to the Make•A Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. ------------- No matter where you go...SofeTrek is on the road with youl SofeTrek, the Chevron Travel Chsb's newest auto dub plan offers nationwide dispatch towing plus travel discounts that add up to security and savingsl Pay wish your Discover(R) Card and get 2 months FREEI Call 1$00-222-0585 and reference #5211 DIS For more information on how to join! Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dam R is P T AGE FINANCE R ES RATES CHARGES current billing period: 30 days Purchases $6787.80 0.05477% 19.99% F 19.99% $111.52 none Cash Advances $1578.87 0.06299% 22.99% F 22.99% $29.84 $0 The rates tfraf apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discaver.com or call 1-800-DISCOVER (1-800-347-26831. D1SCOVEa MCIAIN, ROY C DISCOVER 11r= Account number ending in 9362 CARD tlosfng Date: MCLAIN' ROY C DISCOVER December 5, 2002 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 38.79 Purchase Award This Period + 0.00 4.77 Cashback Bonus Award Total 43.56 Cashback Bonus Award Balance Award Available to Redeem 43.56 $ 0.00 Re* ions apply to the Cashback Bonus Partner offers visit Discover com or call 1-600 )ISCOM (1-800.347-2663) for detai. For program details, we the Cashback Bonus terms and Conditions. New Baionce Minimum Payment Due DISCOVER $8,779.44 5176.00 CARD Payment Due Dote February4, 2003 05 SDSN6A01 0003542 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online o Discovercord.com. Will your payment get to us on times Pay your bill online and your payment can be made to yaw account on the some day. Visit Diseovw.com/payrnents today. PO BOX 71084 I{{m{Iw{{nu{r{u{r{r CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge? Print change in space If If II rrlunI n u rlu{fI r unrrrlulrrln?l nlnlnlrlrrl1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625087794400800000017600 Discover Card Account Summary Account number ending in 9362 Closing Date: January 5, 2003 page I of 3 Payment Due Dade February 4, 2003 Minimum Payment Due $176.00 Credit limit $9,500.00 Credit Available $720.00 Cash Credit limit $4,750.00 Cash Credit Available $720.00 Previous Balance $8,778A3 Payments And Credits 1,300.00 Purchases + 1,139.95 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Clrar9es + 161.06 New Balance $8,779.44 You may be able to avoid Periodic Finance Charges, see the reverse site for details. Cashback Bonuso Opening Cashbock Bonus Balance $ 43.56 New Coshback Bonus Earned + 0.00 + 7.98 Cast b Bonus® Since Anniversary Date ------------- of July 5: $17.31 f CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by coiling 1-877-YOUR-AWARD, i a by logginngg into the Account center at Discovercard.corn. Cashbock Bonus Balance $ 51.54 Avail" f6 lfddenirli - - - ? 4if 00 :• How Can We Help You? '' la sit t inlbr pay on ??nd rte, =-d more It's your choice - 3 ways to help 2. Call 1-8000SCOVER (347-2683) for fast, easy setservice our Discover Card available. options or to speak with a Customer Service Account Manager Please have y 3 For TDD assistance for hears see reverse side . Write us at Discover Card, PO Box 30943, l 778 impaired) Sob Lake City, UT 84130 s Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Payamnts and Credits Dec 9 Dec 9 PAYMENT - THANK YOU $ -500.00 Jan 4 Jan 4 PAYMENT - THANK YOU -800.00 -?Merdtantisa/$elan-------- 9ec43--f)ac23-M/AEAARFSIJPERC-NF00?888PAUv1YRAfiA---------- --• •----391.84• __._.... i Gas/Aulamative Dec 6 Dec 6 KYAK FILL #259 MECHANICSBRG PA 11.00 Services Dec 6 Dec 6 HIRSCH PIPE & SPLY #7 VAN NUYS CA 672.99 Warehouse Clubs Dec 22 Dec 22 SAMS CLUB 008175 HARRISBURG PA 64.12 Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See yaw Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account rn 0 Lost or stolen cards. Report immediately! Call 1-800-347-2683. in m timmer Va c oo your bi ,. In write us Oil arro s at Ouesisheet fur Your iilt If you Nrnk your bill is wrong, or U you need more information about a o We mull hear from you no later than 60pr o sent at Discover Card; PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. doing e so will not preserve your rights. 6 you the firrst_ bill on which the error or problem appeared You can telephone us,,but o W your letter, give us the following information: c Your name and Account number. -The dollar amount of the suspected error. w 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 rw not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we. cannot report you as delinquent or take any action to collect the amount you question. Special Rude for Cr*M Card Purchaser If you have a problem with the quality of goods of services that you purchased with a credit card, and you have tried in good faith to corracl the problem with the merchant, You mayy not have to pay the remaining amount due on the gootls 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 wlhin 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 o the amount or location of purchase.) 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 rent i6 sled as an electronic fund transfer. the transfer will be for the amount d the check When we ufe information from your check to mike an elECVonic fund transfer funds may be withdrawn from your account at soon as the same day we receive your payil and you will not receive your check back from your liancial institution. The prosesssmm0p of your payment ma be dNayep rt you send cash. Correspondence or airier peas with your payrtxnt, if send the payment to any other adtlress or N you as an emtvebpe other Nan Ne one provided. Payments received on or after 1 PRI MondaFinurggh Friday or on a weekend or bank hoMy wip e pofleA to r Account as of the next business day. If you have. misplaced your envelope,-send your-gayrnenl to Discover Bank, PO Box 6103, CDarof Stream, iL 60197.6103: 'Please alldw 7=10 days for delivery. Ir your payment is returned unpaid, we reserve the right to ewbmil it as an electronic debit „_ -1 c r an {wyxour minimum payment or a greater amount over the telephone, and you can set up automatic pavments Call us at 1.800.347.2683_ or mdicaled on the 111011111 11Y based on'credits or - r - - --? payments applied e tl during the the biking g cycle. -- CfCM Repaltlrmll. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on our account may be reflected in your credit report We normally re the status and payment history of your Account to credit reporting agencies y each month. If yyappp befir that our reoorl is iaccunte or inco te, please write us at the following address: Discover Classic Card, PO Box 15316, Wilmington-DE 19850-5316. Plea Include your name, address, home telephone number and Account number. Periodic Fiance Charees. Except as provkkd below, we will im?se Periodic Finance Charg9es on purchases, cash advances and balance transfers beginning with the dalele the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases U you pay the New Balance shown on the billing statement on which the purchase first a its by If Payment Due bale, mtl the Payments and Credits on Nri statement equal or exceed your Previous Balance. We call this the " ,rind". You do not bave a gas period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance tr?naferf and cash advances beginnMd with iris date Ne transaction occurs Periodic Finance Charges are unposed on a transactions and Old Balances until Ne date of repayment Repayment means payment of your entire New Balance. However if you pay time New Balence shown on Nis DiUing stalertuenl by Ne Payment Due Dale, antl the Payments and Credits shown on Nis statement equal a eitceed Ne Previous Balance we will not IRipose Periodic Finance Charges on new purchases, that is purchases first appearinp on his statement if your Account was cbxd as of (i) September 27,1499 w till Au0u 31.2001 and was formerlv a Diiiimrds Prime ,cm aqua, set a-,utru your rtmRius eaim,ed. umerwise, you will receive a billing stalemeta next es imposed until the date of repayment 'h day for purchases, cash advances, balance transfers and Did Balances (which we refer to as transaction Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (Refer to the finance rent for these amounts) Then we add all the Periodic Finance Charges for each transaction category to your Account Tne Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the balance (including9 new transactions) method of calculating the balance upon which we impose Periodic l the New Balance shown on the billinthg statement you received durng the previous billing period by 01M. Finance Charges on new purchases at first appeared on that bit mo statement as we 1 as new on the prevails days aII% balance; and Cy then'suWracUnp any credits' ?rM paymeo(s l-xl ale ory on OU? V. In cakufiting the daily balance for the previous billing period, we consider the in Charges whits are added to the Cash advance trimacfion category and Balimice•Tianifer Trans T09 F? balance transfer transaction cat N a transaction made in a previous billing. period is itemized on date to be the first day of the cur n billing period when we calculate your PeraOic Finance Charges. For TOO (Telecommunications Device for the Deaf) assistance, please can 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER" MC1AIN, ROY C DISCOVER -.1 Account number ending in 9362 CARD ??? Discover" Card ranked #1 in Customer Loyalty-for 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone coil when something looks suspicious. Your service levels are unprecedented in the industry. You've got a cuslomer in me for life.' James T. Cfevelund, Ohio Experience it for yourself at Discovercom ' *Aacadmq b fe 2008 &ad Keys Cvsi men Lay* &gnwesm kdex Repon 02008 Di w Banc, Memtw FDIC ------------- Closing Date: January 5, 2003 page 2 of 3 Finance Charge Summary Nomiro) Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PRaWAGE POWITAGE FWANa FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7635.20 0.05477% 19.99% F 19.99% $129.63 none ;Cash Advances $1609.50 0.06299% 22.99% F 22.99% $31.43 $o The rates that apply to your Account are eilher fixed 1F1 or they may vary M as noted above. QUeSt10nS? Manage your account at Discover ootn or ,call 1-800-DISCOVER (1-800-347-2683). Closing Date: MC1A1N, ROY C DISCOVER January 5, 2003 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus ° Award Summary Coshback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 43.56 Purchase Award This Period + 0.00 7.98 0.00 0.00 Cashback Bonus Award Total 51.54 Cashback Bonus Award Balance 51.54 Award Available to Redeem $ 40.00 Restrictions apply to the Cashback Bonus Partner offers visit Discmtir com or call 1-800-DISCOVER (1-800347-26831 For dsta0s. for program details, see the Cashback Bonus forms and Conditions. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $9,225.35 $361.00 Enter Amount Enclosed Below CARD Payment Due Data March 4, 2003 Please make check payable to Discover Card. Minimum payment due includes a past duo amount of $ T 76.00. 05 SDSN6A010003543 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your. ill online and your payment can be mae to your account on the same day. Visit Discovereom/payments today. PO BOX 71084 lllars1Isrrllrrrf)s)sgill I CHARLOTTE NC 28272-1084 Address, e-mail or telephonechange€ Print change in space Inr6llrJrrrlJinnJrrLlnrrllllrrrLrlrrlrrilrrlrrlrJrirrll above, or go to Discover.com. Print your earail address to receive important Account information and special offers. 000001486458271370625092253500000000036100 Discover Card Account Summary Closing Date: February 5, 2003 page 1 of 3 Account number ending in 9362 Previous Balance $8,779.44 Payment Due Date March 4, 2003 Payments And Credits 0.00 ,Minimum Payment Due $361.00 Purchases + 289.63 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $276.00 Balance Troosfers + 0.00 Cash Credit Limit $4,750.00 Finance Charges + 156.28 Cash Credit Available $27A.00 New Balance $9,225.35 You may be able to avoid Period ic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashbacc Bonus Bale $ 51.54 . New Cashbock Boras Earned + 0,00 + 2.47 -i Coshback BonulOSince Anniversary Dote Catiliback Bmus Manes ... _ - .... - - - - - - $ Available to Redeem $ ..54,01 0.00 ioFJuly 5: $19.78 How Can We Help You? 1. Visit Discavrraan to pay your bRl for no cast, view your latest Account information, own and redesrn rewards and more Ifs your choice - 3 ways to help 2. Call 1-SOODISCOVER (347.2683) for fast, easy self,service ' options or to speak with a Customer Service Account Manager ase have your Discover Card available. .Ple us at Discover Card, PO Box 30943, 3. Write TDD {assistance for hearing imfmired1 L see reverse side Sob Lak e City, UT 84130 Transactions $0 Fraud Eiabift Guarantee Use your Discover Card with confidence. Trans. Post Dots Date 'Merchandise/Rstatl Jan 15 Jan 15 WALMRT SUPERCNT 002888 PALMYRA PA $ 5.00 Jan 15 Jan 15 WALMRT SUPERCNT 002888 PALMYRA PA 4.58 Other/Miseslfoneoas Feb 5 Feb 5 LATE FEE 35.00 Cxas/Automotive Jan 4 Jon 6 WEST SHORE MOVING CENT MECHANICSBUR PA 58.61 Jan 15 Jan 15 SUNOCO ANNVILLE PA 10.00 Jan 31 Jon 31 WEST SHORE MOVING CENT MECHANICSBUR PA 144.44 Feb 3 Feb 3 WEST SHORE MOVING CENT MECHANICSBUR PA 32.00 :Information For You •*'**" ATTENTION ******* ATTENTION ***`*** ATTENTION ATTENTION ATTENTION * * * * * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. r 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 Cardnrember Agreement. Your Cardmember Agreement contains all the terms of your Account p Lost or stolen cards. Report immediately) Call 1400-347-2663. Z m BOO Rights Surmw In Case of Errors or Questions About Your Bill: U 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 Cud; PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear ramyo you no later than 6O days, after we sent you the first big on which the error or problem appeared. You can telephone us,'but o doing $o will not preserve your rights. In your etter, give us the following information: o •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 Youhdo 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 lnvestipate 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 tiled in good faith to correct the problem with the merchant you ma not have to pay the remaining amount due on the irs or services You have this protection only when the purchase price was more than S5Y0 and the purc ase was made in your home stale or wh in 100 miles of your mailing address. (If we own of operate the merchant of if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase. a. Send only your payment and the lop portion of this statement in the envelope provided Do not send cash. By sending your check as above, you author ze us to use information on your check to make an electronic fund transfer from Your account at the financial institution on Your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will a nt of the check When we use information from your check to mike an eksUonk fund transfer, funds may be withdrawn from your s soon as the same day we receive your payment and you will not receive your check Derck from your tinancial institution. oces??npg M your payrtxnl may be delayed 8 you serW cash, carespontlence a other dams with Your payment if sentl the payment to address a r yyou use an dWebpe Wiser than the one provided. Payments received on or after 1 PFI Monda? Nrou?h Friday or on a hk nk Box 5103 Core to your Account as of the next business day. If you have. misplaced your envelope, _sen , r-payment to 3a Steam, I 60197.6103: Please allow 7-10 days for tle IT vow payment is relurhed unpaiS we reserve the ,submd it as an electiinio debit I g minimum pa nt or a greater amount war the telephone, and yyoou can set up automatic paymEnts G9 us at 1.000.347.2683. reed this statement and Your bank account information. You must ensure Thal sufficient funds are available in your bank accounL and all ns must campy with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering those as your electronic signature, you will be agreeing to this authorization to allow us and Your bank to deduct each payment you authorize bank account, and to m0iafe debit or credit entries to your bank accountt as applicable to correct an error in the processing of such You must tell us the amount of each payment a You can select an amouml such as the Minimum Payment Due or the New Balance on •menL You can cancel a t however we must receive notice at least three business days in advance of the scheduled payment You V us by phone at 1.800.347.7603 or by mail at address listed in the previous paraigph If your Yments may vary in amount we will tell ch monthy statement when your payment will be made and how much it will Qhe. Your Auld tic payment amount may be less than on the monthly statement based on credits or payments applied during the billing cycle. Credit Report.N. 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 re the status and payment history of your Account to credit reporting a0enches each month. If yp0 be?ve that our report is inaccurate or into ete, please write us at the following address. Discover Classic Card. PlJ Box 1531fi, Wilmington DE 19850-5316. Please include your name, addr home telephone number and Account number. Fence ChMs. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers I with the da the transaction Occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are d of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve nces. n avM payment of Periodic Finance Charges on new purchases 4 you pay the New Balance shown on the billing statement on which the first ap by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call Qrace period°_ Vou do not have a 4race period, on Dagnce transfers or cash advances Periodic Finance Charges are imposed on new snown e e on this itatteemenrt a ual ofexceHrthe baa a lanc appearing on this statement. If your Account was closed ass c new YOU to as transaction er to the finance ction category to gas apply to the an the on we calculate your i nee rrnance unarges wnwn are a on this statement we consider the For TDD (Telecommunications Device for the Deaf) assistance, please cam 1-900-347-7449. The Discover* Classic Card is issued by Discover Bank, Member FDIC. DISCOVER" MCRAIN, ROY C DISCOVER Account number ending in 9362 CARD Discover" Card ranked *1 in Customer Loyalty--for 11 years in a row!* "I've never been so impressed with a company that has looked out for my well-being with comely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T. develand, Ohio Experience it for yourself at Discovercan *Acco4rg b in 2008 Band Kays Cvstnw Wf* ragag and hX6 Report 01006 Diswn, Bulk, N*rJ r FDIC - - - - - -- - - - - - - - - - - - - - - - - Closing Dale: February 5, 2003 page 2 of 3 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PE K MAGE FINANCE FINANCE Babnces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7316.92 0.05477% 19.99% F 19.99% $124.23 none Cash Advances $1641.23 0.06299% 22.99% F 22.99% $32.05 $0 The roles that apply to your Account are either fixed (FI or they may vary M as noted above. Questions? Manage your account at Discover.win or call 1-15MI)ISCOVER (1-800-347-2683). Closing Date: MC1A[N, ROY C VER February 5, 2003 Account number ending in 9362 DISCO, CARD pogo 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 51.54 Purchase Award This Period + 0.00 2.47 0.00 Cas ac Bonus Award Total 54.01 Cashback Bonus Award Balance 54.01 Award Available to Redeem $ 0.00 Restrictions apply to fhe Cashback Bonus Partnsr offers visit Dis ow? c9?mm or call 1-800-0ISCOY6t (1.800.347-2683) for details. For program details, see the Cashback Bonus terms and Cond"itions. DISCOVER CARD New Balance Minimum Payment Due Account Number ending in 9362 $9,331.23 $248.00 Enter Amount Enclosed Below Payment Due Date $ April 4, 2003 Please make check payable to Discover Card. Minimum ymant due includes a past due amount of 561.00. 05 SDSN6A070003544 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time! Pay your bill online anndd your payment can be made to your account on the some day- Visit Discover.carn/payments today. PO BOX 71084 iiirsiir.riluaisiui1If CHARLOTTE NC 28272-1084 Address, e-mail ortelephone change? Prir* change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625093312300000000024800 Discover Card Account Summary i Account number ending in 9362 Payment Due Date April 4, 2003 Minimum Payment Due $248.00 Credit limit $9,500.00 Credit Available $168.00 Cash Credit limit $4,750.00 Cash Credit Available $168.00 Closing Date: March 5, 2003 page 1 of 2 Previous Balance $9,225.35 Payments And Credits - 300.00 Purchases + 262.41 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 14347 New Balance $9,331.23 You may be able to avoid Periodic Finance Charges, see the reverse side lo At L i r err . Cashbook BOnus® Opening Cashback Bonus Balance S 54.01 New Cashbook Bonus Earned + 0.00 + 2.27 - -Cashbook Bonus&Since Anniversary-Date- Cashback Bonus Balance _ _ . _ .. $ 56.28 Available -16-Ride-e-M- $ 0.00 . ofJuly 5: $22.05 How Can We Hel You? p 1- Visit Discover corn to pay yarn bbl for no cost view r tiled Account information, em and redeem rowards and more It's your choice - 3 ways to help 2. Coll 1.800-DISCOVER (347-2683) for fast, easy s4service Please have your Dissever Card available. options or to speak with a Customer Service Account Manager For TDD {assistance for hearing impaired) see reverse side 3. Write us at Discover Card PO Boot 30943, Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trmas. Pod Date Date Payments and Credits Feb 6 Feb 6 INTERNET PAYMENT - THANK YOU $ .300.00 Other/Miscoloneous Mar 5 Mar 5 LATE FEE 35.00 i Gas/Automotive Feb 12 Feb 12 WEST SHORE MOVING CENT MECHANICSBUR PA 46.02 Feb 19 Feb 19 WEST SHORE MOVING CENT MECHANICSBUR PA 73.58 Feb 25 Feb 25 WEST SHORE MOVING CENT MECHANICSBUR PA 107.81 information For You --------------------- --------------------. -- "****** ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION "`**•,* ATTENTION * * * * * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FYJANCE FIM/WCE Balances Rides RATES RATES CHARGES CHARGES current billing period: 28 days Purchases Cash Advances The rates that apply to $7432.19 0.05477% 19.99% F 19.99% $113.98 none $1671.99 0.06299% 22.99% F 22.99% $29.49 $0 :ount are either fixed (F) or they may vary M as noted above. Important Information. N there is more than one page to this biiiing 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. o Lost or stolen cards. Report immediately. Call 1400-347-2683. U) BBIYig Rwds SWMWWIy. In Case of Errors or Ouestions 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 Card; PO Box 30421, Salt Lane City, UT 84130-0421, as soon as possible. We must bear Trom you no later than 60 days, after we ken( you the first bill on which the error or problem appeared. You can telephone us,lbul g doing so will not preserve your rights. In your tter, give us the following information: c Your name and Account number. 'The dollar amount of the suspected error. w -Describe the error and explain, 8 you can, why you believe there is an error. If you need more information, describe the item you are unsure a I. u 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 Yo question. While we investigate your question, we cannot report you as delinquent or ake any action to collect the amount you question. Special Rule for Credit Cud Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant you ma not have to pay the remaining amount due on the ggoods or services You have this protection onl?yy when the purchase price was morelhan S50 and the purchase was made in your home state or wlhin 100 miles of your mailft address. (it we aL or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless oT the amount or location of purchase.) 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 rut account at the financial institution floe icfor the ated onamount d tie Chtkprocess the uayment as a check transaction, If payment is processed as an electronic fund transfer, the transfer will When we Information from se your check to mike an electronic fund transfer, funds may be withdrawn from your account ac soon as the same day we receive your pa nt and you will not receive your check, back from your financial institution. The piocessing of your payment may be delayed if yyoou send cash, correspondence or other items with Your pa nt if send the yment to any other addre8 or if you use an envelope other than the one provided. Payments received on or after 1 PIN Mondarrough Friday or on a weekend or bank holiday will be postad to Your Aceouof as of the next business day. U you have. misplaced your envekspe,_sen your, payment to Discover-Bank, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit k as an electronic debit You can. pa r minimum pa nt. or a greater amount over the telephone, and You can set up automatic paymNents. Call us at 1.800.347-2583. You will ntl tole sUternenl antl ank account information. You must ensure lliat sufficient funds are avaiE in your bank account and all transactions must campy with U.1119. You wig be asked to provide the first 5 digits or your account statement zip code. By entering those numbers as your electronic agrolure, you wUl be agreeing to Ws authorization to allow us and l1rorour bank to deduct each ppayment you authorize from Your bank account and to initiate debit or credit entries to your bank account as aoWicable lo.correcl an errs in the processing of such payment You must teR us the amount of each payment or you can select an amount inic s Lhe Minimum Payment Due or the New Balance on three baseness tlays in advance of the scheduled payment, You each abatement You can cancel a WYmenl however we must receive notice .1 1.0 may nolilV us CY phone at 1-800.347 payme prs pagGraph. it your pa moots may vary in arlounl we obit tell you on e a ch monNy -2683 or by mait al addicts listed m the statement wh e n your nt wi ll ba ma de and how mh it aid be. Your Aulom?tic payment amount may be less Nan indicated on the monthly statement ba sed on credlls or payments applied during me -U. lling cycle. Credit Repartklg. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report. the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or mcornpkte, please write us at the following address Discover Classic Card, PO Box 15316, Wilmington DE 19850.5316. Pleas! Include your name, address, home telephone number and Account number. Periodic Fiance Clair Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dafe Ne transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New balance shown on the billing, statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement e%al or exceed your evious Balance. We call Nis the " race period'. You do not have a grace grad on balance transfers or cash advances Periodic Finance Charges are imposed on new balance U3nslers and cash advances b?innf? with the date the transaction occurs. Periodic Finance Charges are unposed on at transactions and Old Balances until the date of repayment Repayment means pa nt of your entire New Balance. However it you pay the New Balange shown on this bilkng statement by the Payment Due Dale, and the Payments and Credits shown on this statement equal or exceed the Previous Balance we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement N Your Account was closed as of. (i) September 27,1999; or (ii) August 31,2001 and was formerly a Discover® Prime in are your n;4. UNTIU rse, you will receive a Dining alalemerYl next ansfers and Oki Balances (which we refer to as transaction i billing period x Daily Periodic Rate. (Refer to the finance Periodic Finance Charges for each transaction caleggy to shown as 0 if no Periodic Finance Charges apply it calculating the balance u which we impose Periodthe ic by atemenl you received Burin he previous billing less new 1 Rrri appeared on that lei mg statement as we as new =inane Charges on the purchases on your previous billing riding up all the dairy balances in a billing period for a e compute the dairy balance for each transaction category nade that day. fees champed that day and Periodic Finance and payments that are applied against the balance of the period, we consider the previous days daily balance" to ion categories. Special rate balance transfers and Balance action category. Balance transfers that were subject to an :ceded lrour Account credit limit are also included in the iy baladcc of the balance transfer transaction category on fir Transaction Fee Finance Charges and balance transfers to the balance of the purchase transaction cate iy.. the exception of Cash Advance Transacbaf Fee Finance Transaction Fee Finance Charges which are added to the Is itemized on this statement we consider the transaction For TOD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. The DiscoverA Classic Card is issued by Discover Bank, Member FDIC. ?+ Closing Date: MCIAIN, ROY C D'J?VER March 5, 2003 Account number ending in 9362 CARD page 2 of 2 Cashback Bonus a Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 54.01 Purchase Award This Period + 0.00 2.27 Cashback Bonus Award Total 56.28 Cashback Bonus Award Balance 56.28 Award Available to Redeem $ 0.00 Re?rictioru apply to the Cashback Bonus partner offers visit Discover<r or calf f-800-DISCOVER (1-804347-2683) for details. For program details, see the Cashback Bonus terms and Conditions. New Balance DISCOVER $8,683.33 CARD 05 SDSN6A010003545 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Minimum Payment Due Account Number ending in 9362 $174.00 Enter Amount Enclosed Below Payment Due Date $ I May 4, 2003 please make check payable to Discover Card or pay online ; Dtscovercard.com. Will your payment get to us on time? Pay your ill online and your payment can be made to your account on the same day. Visit Discovercom/paymenfs today. PO Box 71084 116rrl1rrdLrrr6lrrlJJ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irnlrllulrrnlnllnnlnirlnrllllr,rlu(In,lln lr,Inlrlr,ll above, or go to Discover.com. Print your e-mail address to 11441111 receive important Account information Md special offers. 000001986458271370625086833300000000017400 Discover Card Account Summary Closing Date: April 5, 2003 page 1 of 3 Account number ending in 9362 Previous Balance $9,331.23 Payment Due Date May 4, 2003 Payments And Credits 1,100.00 Minimum Payment Due $174.00 Purchases + 294.24 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $816.00 Baku" Transfers + 0.00 Cash Credit limit $4,750.00 Finer" Charges + 157.86 Cash Credit Available $816.00 New Balance = $8,683.33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Coshback Bonus Balance $ 56.28 New Cashback Bonus Earned + 0.00 + 2.9.4 :C cAbock BonusQ9 Since Anaiversory Date - - - - - - - - - - - - - Cashbadc Bonus Balance S 59.22 ------ - ofluly5: $24.99 Avail6b(e1161("Wrfi - -I ---- 40'.00"---- - CONGRATULATIONSI Now that yow award is $20 or more, you can redeem it in $20 increments b 1 877 lli YOUR AWARD ng - - y ca - i or by logging into the Account Center at Di dd scovercar .com. How Can We Hel You? p 1. visit Daeover aun to pay yaw 1+4 for no cesf, view yaw latest Account information, earn and redeem rewards and more t It's your tholes - 3 ways to help 2. Cal "00.OiSCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. d ' D ? ate Payrnmis and Credits Mar 6 Mar 6 INTERNET PAYMENT -THANK YOU $ .600.00 Apr 3 Apr 3 INTERNET PAYMENT -THANK YOU -500.00 Gos/Automolfvs - ------Mares ---Mar 7- --A&-EB-AUTOMOT{VEMEC-HANr-M-RCiPA-..-._.__.. _..-....----264.99..- Mar 9 Mar 9 KWIK FILL #259 MECHANICSBRG PA 29,25 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04107%; corresponding ANNUAL PERCENTAGE RATE: 14.99%. Rate is subject to the terns of the offer including expiration. i Simplify and save with three easy ways to transfer balances to your Discover Cord. Call 1.866-240-7939 to see if on offer is available for you; go to Discovercard.com; or look for Balance Transfer checks in the mail. No Paymentsl No Late Fees! No Finance Chargesl If you lose your job, suffer a disability or take an unpaid leave of absence from work, Discover(P) AccounlGuwd(R) fees you from making Discover(R) Card payments. You pay no monthly payments, fees or Finance charges for up to 2 years (up to 3 mos. for leave of absence). Call 1-877-883-1959 nowt Important Information. 11 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 U) Lost or stolen cards. Report immediatety! Call 1400-347-2683. u' 7di B08ng 1110112 SUMMA In Case of Errors or Oueslions About Your Bill: If Vou think your bill is wrong, or it you need more information about a c transaction on your big, write us on a seWrate sheet of paper at Discover Card; PO Box 30421, Sall Lafce City. UT 64130.0421, as soon as possible. We must hear from you no later than 6U 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: 0 -Your name and Account number. U The dollar amount of the suspected error. u -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 hoar v you tlo 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 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 mayy not have to ppaay the remaining amount due on the s or services You have this protection only when the purchase price was more Than S5I and the pure Tiase was made in your home state or within 100 miles of your madmp address. (If we awn a operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 or account at the financial Institution indicated on your check or to process the payment as a check transaction. If pa nt isocessed as an ekctmnic fund transfer, the transfer will be for the arrount d the check. When we use information from your check to make an ekctronc fund transfer funds may be withdrawn from your account as soon as the same day we receive your pad t and you will not receive your check back from your financial institution. The processe of your payment n1, laved you send cash, correspondence or other Items with lrour paYmerat If you sentl the payment to nlro oth than the one provided. Payments received on or after 1 PNI MontlaY through Friday or on a any other addr or if you use an I"a er weekend of bank holiday will be posted to r Account as of the next business day. If you have, misplaced your envelope,_sendyo qr.payment to Discover Brink PO Box 6103, Carol Stream I[ 60197.6103.- Please allow 7.10 days for delivery. U your payment is returned unpaid, we reserve the atuto resubinit it as an electronic debit Yo can W r minimum pa nl or a greater amount over the telephone, and You can set up automatic payments Call us at 1.800.347-2683. You will need t Is statement, arM 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 font 5 digits of your account statement zits code. By entering those numbers as your electronic ripnaWra, You will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from Your Dank account and to iniliaie debit or cretlK entries to your bank account as applicable to correct an error Du in the th processing of such payment you must cep us Ilw amount of each payment a you can select an amount such as the Minimum Payment e a e pkvr Balance on each slalemenL You boric ca a l however we must receive notice al least three business days in advance of the scheduled payment You cam may notify us by bona at 1-800.347• fi83 or by mag at address fisted in the previous pareore 0 your pa rats may vary in anrount?we will till you on eachhy statement when your payment will be ma0e and now much it wNl be Your Automatic payment amount may less than •ndlcale0 on the motlhy statement based on credits Of payments applied during the Dilltng cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed pa ls, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. Nypy bate that our report is inaccurate or incomplete, please write us al the followmg address: Discover Classic Card, PO Box 15316, Wilmington-DE 19850.5316. Please Include your name, address, home telephone number and Account number. Periodic Finance Char ex. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Purchase first appears DY the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call hi: the "g0race period". You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new baance U3nsfers and cash advances beginning with the date the transaction occurs Periodic Finance Charges are imposed on all- transactions and Old Balances until the dale of repayment Repayment means pa ent of your entire New Balance. However it you pay the New Balance shown on this bia', statement by Pe Payment Due Date, and the Paymentsmand Credits shown on this statement equal of exceed the Previous Balance we will not*pose Periodic Finance Charges on new Durchases, that i% purchases first aooearino on this statement N vour Account was cksser) as at. (i) September 27,1999: or (ill August 31,2001 am was formerly_ a Discover® Prime in on r exceed yea rtevkxl5 14161wd. Werwise, you will receive a Owing star date of repayment s, cash advances, balance transfers and Old Balances (which we refer to as tce x number of days in the bilhnpp period x Daily Periodic Rate. (Refer to unto) Then we add all the Periodic Finance Charges for each transaction e Avenge Daily Balance is shown as 0 if no Periodic Finance Charges a new transactions) method of calculating the balance upon which we imp rice shown on the billing statement you received dung the previous Ddhn ties on new purchases Thal first a red on that bit ng statement as v already imposed Periodic Finance harges on the rchases on your pre trans.1bon category by adding up all the daily I lances in a billing I I'M y the billing cycle. We compute the daily balance for each transacts dally balance: transactions made That day, fees charged that day and Perie hen subtracting any credits and payments that are applied against the bat nce for the previous billing period. we consider the previous day's dairy and cash advance transaction categories Special rate balance transfers daily balance transfer transaction category. Balance transfers that were si ryment or because you exceeded lour Account credit Omit are also mcli pied. In calculating the daily bahdce of the balance transfer transaction nee of those Balance Transfer Transaction Fee Finance Charges and balan re add that unpaid balance to the balance of the purchase transaction,cate x: transaction categ7My with the exception of CasO Advance Transaction I APory ?n a Previous billing . period is Transaction on on this statement, we consider the date to be the first day of the current Darng period when we cax:uiate your reriooic rmance to For TOD (TelecormnuNeatlons Device for the Deaf) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCC)VER CARD DISCOVER' MCIAIN, ROY C <..o Account number ending in 9362 Bnghter Discovers Card ranked #1 in Customer Loyalty-for 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely re hinders, paperless statements and even a telephone call when something bole, suspicious. Your service levels are unprecedented in the industry, You've got a customer in me for life." James T.-C6veland, Ohio Experience it for yourself at Discow corn Aaardng b 16 2008 Blond Keys Cuo mer Loyalty Eagogm„n kK6 Repoit 02008 Diss Bank, M-nb. FDIC dosing Date: April 5, 2003 page 2 of 3 Fact: Every 79 seconds a thief steals someone's identity (CBSnews.com, 1/25/2001). Enroll in ProfileProtect(R), and we will send you a copy of your credit profile, monitor your credit file for changes every business day, and send you Quarterly Credit Updates - tools to help protect yourself from identity theft. Coll 1-877.623-8011 to enroll. For a list of our great Cashback Bonus(R) Partners, login to the Account Center at Discovercord.com or call us at 1-877•YOUR-AWARD (1.877-968-7292). Find great discounts of up to 20% in ShopCenter at Discovercard.com. Whether shopping for yourself or for a special occasion, you wig find offers from over 75 merchants such as Gap, J Crew, Smartbargoins.com, FMCOM, Bame38Nob6.com and Sharper Image. ------------- ------ --------- 'Finance Charge Summary Nominal Transaction 6verage - ANNUAL P C Do Pen is POMENT AGE PAGE (? CE ?tANCE Rd, RATES CHARM CHARM current billing period: 31 days - Purchases $7338.78 0.05477% 19.99% F 19.99% $124.60 none 'Cash Advances $1703.35 0.06299% 22.99% F 22.99% $33.26 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Question? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). Closing bale: MCLAEN, ROY C DISCOVER April 5, 2003 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 56.28 Purchase Award This Period + 0.00 2.94 Cashbac Bonus Award Total 59.22 Cashback Bonus Award Balance 59.22 Award Available to Redeem $ 40.00 Rashictions apply to Hro Cashback Bonus Par? offers vis mit Dfscavaream a ca& 1.80i1-8W(1-800-347-2683) for details. Fu program details, see the Cashback Bonua Pers and Conditions. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $8,691.93 $174.00 Enter Amount Enclosed Below CARD Payment Due Dafe June 4, 2003 Please make check payable to Discover Card or pay online Q Discovercard.com. 05 SDSN6A01 0003546 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Discovencom/payments today. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (u(((u?nr(,((u,(u?a?ur?(((,u(n(n?u??n(n(u(r(u?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625086919300000000017400 ---- --------- Discover Card Account Summary dosing Date; May 5, 2003 page 1 of 3 Account number ending in 9362 Previous Balance $8,683.33 Payment Due Date June 4, 2003 Payments And Credits 500,00 `Minimum Payment Due $174.00 Purchases + 338.54 !Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $808.00 Balance Transfers + 0.00 'Cash Credit Limit $4,750.00 Finance Charges + 150.01 ;Cash Credit Available $808.00 New Balance = $8,691.93 You may be able to avoid Periodic Finance Charges, see the reverse side for details. .Cashback Bonus! Opening Cashback Bonus Balance $ 59.22 New Cashback Bonus Earned + 0.00 + 3.59 ;Cashback BonuM-Since Anniversary Date - - - - Casbback Bmatu Balance $ . _ - _ _062.81 . ofJuly 5: $28.58 AvaiWe to Rer $ 60.00 CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 Increments by calling 1$77-YOUR-AWARD or by logginngpy into the Account Center at 'Di scaveTCWa.r. m. ,HOW Can We Help You? P 1. Visa Discover com to pray your hN for no costv?i?e?wrVp? late t A t I f ti d d aa d Mrs your Choice - 3 ways to help s ccoun n orma on, cam an re eem rowarda n more 2. Call 1-800-DISCOVER (347-2683) for fast easy sewsorvice ;Please have your Discover Card avaitable. options or to speak with a Customer Service Accourt Manager Fa TDD (assistance for hearing impaired) no reverse side 3. Write us at Discover Card, PO Box 30943, Self lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. T D Dal* ab Payments and Credits May 2 May 2 INTERNET PAYMENT - THANK YOU $ 500.00 'Gras/Automotive Apr 3 Apr 6 KWIK FILL#259 MECHANICSBRG PA 38,00 -Apr -------- -- -- - 11-- II--KWIICFttt#2739-MECHAtg1CSBRG-Pic Apr 16 Apr 16 CARTRONICS ACCESSORIES MIAMI FL 45.06 Apr 22 Apr 22 EXXONMOBIL 752967A793 CARLISLE PA 16.00 1099 HARRISBURG PIKE 17013 Apr 23 Apr 23 PENSKE TRK LSG MD BALTIMORE MD 191 A i Apr 29 Apr 29 A 8, B AUTOMOTIVE MECHANICSBURGPA 35.83 May 1 May 1 A & B AUTOMOTIVE MECHANICSBURGPA 20.14 Information For You 'Balcme Transfer offer for current billing period: Daily Periodic Rate: 0.04107%; corresponding ANNUAL PERCENTAGE RATE: 14.99%. Rafe is subject to the terms of the offer including expiration. ;Get FREE Additional Cards so the people close to you can share the benefits of your Discover(R) Card Account. Call today: 1-800.3475537. Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See yaw Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account o Lost or stalen cards. Report immediately. Call 1400-347-2693. Billing Rights Summary- In Case of Errors or Ouestions 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 sheet of paper at Discover Grd; PO Box 30421, Sall Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first big on which the error or problem appeared. You can telephone us,'but o doing so will not preserve your rights. In your letter, give us the following information: -Your name and Account number. rn The dollar amount of the suspected error. -Describe the error and explain, d you can, why you believe there Is an error. If you need more information, describe the item you are unsure pout V You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we, cannot report you as delinquent or lake any action to collect the amount you question. Special Rule for Credit Curl Purchases: It you have a problem with the quality of goods or services that you purchased with a credit card. and you have died in good faith to correct the problem with the merchant, you mayy not have to pay the remaining amount due on the s a services You have this protection only when the purchase price was more than S50 and the purchase was made in your home stale or wr hrn 100 miles of your mailingg? 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 of the amount or location of purchase.) 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 Yyoouur account at the financial institution indicated on your check or to process the payment as a check transaction. It payment isDr tl 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 a tronicfund 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 PVnt may De tlela l IT Voss send cash, correspondence or other items with Your payment, if you send the payment to any other address or A YyouUso apnoe aea a lopyeoo(her Nan tithe one provided. Payments received on or after 1 PM Monday NroughyoFriday or on a daayr delivery. If you rppaymenttiis returner a Pallid, we rgease.ive the Disckaeier-BahkPOk B 11510will am( Strem IL 60197.6103- P of a eean 7u,0n sfo right to resubmit it as an electronic debit You can pa r min imum W nt or a greater amount over the telephone, and u can set up automatic payments, Call us at 1.800.347-2663. You will need this alatement aI your bank account information. You must ensure yo that suf icienl funds are avatable in your bank account and all transactions must comply with U. S. law. You will be asked to provide the first 5 digits or your account statement zip code. By entering those numbers as your electronic signalura, You VAN be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from YVour bank account and to mitui det tt or credk entries to your bank account as applicableto correct an error in Ne processing of such payment You must tag us the amount of each payment or can select an amount such as the )rlinimum Payment Due or the New Balance on each statement You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1.800-3472683 or by mail at address listed in the previous Paragprraaph. If your pa nts may vary in amount we will tell you on each monthy statement when your payment will be made and haw much it will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to Credit bureaus Late payments, missed pa menu, or other defaults on your account may be reflected in your credit report. We normally ie the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, pease write us at the following address Discover Classic Card, PU Box 15316, Wilmington OE 19858-5316, Please Include your name, address, home telephone number and Account number. roes. Except as provided below, we will i se Periodic Finance Charges on purchases, cash advances and balance transfers rte the transaction occurs until the dale of repayment and on Old gaiances until the date of repayment Old Balances are umhases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve on in nenl of Periodic Finance Charges on new purchases if you pay the New Balance shown on the bi lin, statement on which the by the Payment Due Dale, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call I". You do not have a grace period on balance transfers or cash advances Periodic Finance Charges are imposed on new ash advances beginning with the date the transaction occurs. arlin are unposed on all transactions and Old Balances until the date of repayment Repayment means pa nt of your entire or if you pay the New Balance shown on this bNli statement , the Payment Due Date, and the Payments and Credits shown a) or exceed the Previous Balance we will not . pose Period Finance Charges on new urchases, that is purchases first foment If your Account was closed as of (i) September 27,1999; or (ii), August 31,2001 an was formery, a Discover® Prime mat Alliance for S )as Survtval® or Universal Studios Account or (in Se tember 30, 2001 and was formal a Discover vitas aP xvlid paypmeacnt of Pariodie Finance CArrgeg jf_1?u pay the ladGcli shown on this statement by the Payment Due Is and Ciodris on this statement equal or exceed your r evruus Baf.i ?e. Otherwise, you will receive a billing statement next e Fins na Charggeess imposed until the dale of repayment purchases, cash advances, balance transfers and OW Balances (which we refer to as transeclan c Finance Charges,e3cli day or he following equation Average pally Balance x number of days m the bilkingg per otl x Daily Periodic Rate. (Refer to the finance h44 front WYour stalement for these amounts) Then we add all the Periodic Finance Charges for each transection ?ale?rV to Finance Cifarges for your Account The Average Daily Balance is shown as 0 0 no Periodic Finance Charges appylo-the sit category cycle mrige dally balance (includinngg maw lransacUons) method of cakulaling the balance u which we impose Periodic s mans U you did not pay the New gaTanee shown on the Dilhnp statement you received durm the previous D'dlmg periots Dy e we wig imeme Periodic Finance Charges on new purchases That lirsl aooeare0 on Nat Dil Intl statement as well as new on an the on Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance cnorges wnicn are a balance transfer transaction category If a transaction made in a previous billing period is itemized on this salemenl, we consider the date to be the first day of the currenT billing period when we calculate your PerioOic Finance Charges. For TOD (Telecommunications Device for the Deaf) assistance, please cab 1-880.347-7449. The Discover* Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD DISC?VEft MCLAIN, ROY C c.ar Account number ending in 9362 a Discovers Card ranked *1 in Customer Loyalty-for 11 years in a rows `I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T.-Cleveland, Ohio Fxperierxe it for yourself at Discovercom *Accod%to #w 20DO 8'and Keys Cuswnw Loyally Fngogsnem bdex Report 02008 Di o Hank. MwA- fk)C Closing Date: May 5, 2003 page 2 of 3 No Payments! No Late Feesl No Finance Charged If you lose your job, suffer a disability or take an unpaid leave of absence from work, Discover(R) AccountGvard(R) frees you from making Discover(R) Card payments. You pay no monthly payments, fees or finance charges for up to 2 years (up to 3 mos. For leave of absence). Call 1-877-883-1959 nowl Simplify and save with three easy ways to transfer balances to your Discover Card. Cal 1-866.240.7939 to see if an offer is available for you, go to Discovercard.com, or look for Balance Transfer checks in the mail. As a Discover Classic(R) Cardmember, you can get cash quickly and easily-just about anytime, anywhere. To find the nearest cash locations, select your PIN, or to order Discover Card checks, cal 1.800-DISCOVER (1-800.3A7-2683). And don't forget to visit our website at Discovercard.com, where you can also search for cash bcations neared to you. ----------------- ------------------ For a list of our great Cashbock Bonolt) Partners, login to the Account Center of Discovercard.com or cal us at 1-877-YOUR-AWARD (1-877-968-7292). finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic Pf KEWAGE MCE AGE F14ANCE HNANCE Bal°ncas Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $7132.76 0.05477% 19.99% F 19.99% $117.20 none Cash Advances $1736.38 0.06299% 22.99% F 22.99% $32.81 $0 i The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). Closing Dade: MCLAIN, ROY C DISCOVER May 5, 2003 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus' Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 59.22 Purchase Award This Period + 0.00 3.59 Cos ock Bonus Award Total 62.81 Cashback Bonus Award Balance 62.81 Award Available to Redeem $ 60.00 Rest '-Fo' aPPly to the Cashback Bonus P offers visa T;yC .2m or caR 1-800-MCOVER (7-SM347-2683) for derails. For program details, see the Cashback Bonus terms and Condition. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $8,885.41 $178.00 Enter Amount Enclosed Below CARD Payment Due Date $ July 4, 2003 Please make check payable to Discover Card or pay online Q Discovercard.com. 05 SDSNSA01 D003547 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will ur payment get to us on times Pay your bill online and your payment can be made to your account on the some day. Visit Discovercom/payments today. PO BOX 71084 1{1311lisle lilt n11131{Bill CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print charge in space {uln{{n{311{1{{311{u{n{w{{{lu1{ulu?u{{u{31{u{1131{{ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625088854100000000017800 'Discover Card Account Summary 4 Closing Date: June 5, 2003 page 1 of 3 Account number ending in 9362 Previous Balance $8,69193 i Payment Due Date July 4, 2003 Payments And Credits 500.00 Minimum Payment Due $178.00 Purchases + 537.85 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $614.00 Balance Transfers + 0.00 Cash Credit Limit $4,750.00 finance Charges + 155.63 Cash Credit Available $614.00 New Balance = $8,885.41 You may be able to avoid Periodic Finance Charges, see the i reverse side for details. Cashback Bonus® Opening Cashbock Bonus Balance $ 62.81 New Cashbaek Bonus Earned + 0.00 + 5.38 Cashback aortuaSSince Anniversaryate------ - - - - - - - Cashbaclt Bonus Balance _ . _ _ .. Available is 16deetn $ .... _ -.6.0.19 _ $ 60 66 of July 5: $33.96 . CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by calling 1.877-YOUR-AWARD or by logging. into the Account Center at Discovercarcom. ;How Can We He) You? P I . visit Discover tae to pay yaw bA for no cost, view your l A d i f i d It's your choice - 3 ways to help atest ccount on, earn an re n ormat eem rewards and more 2. Call 1-800 DISCOVER (347-2683) for fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dube Date Payments and Credits Jun 4 Jun 4 INTERNET PAYMENT - THANK YOU $ -500.00 Merchandise/Retail May 7 May 7 OFFICEMAX 39 MECHANICSBURGPA 29.66 -=-- - -------------May-30--May 30--RtC-HEitEU•AMERIC*t.T-~ISON-HIS-MI---------- ------ 256.05 -- Gas/Aulornst" May 9 May 9 AMERADA HESS CORP HARRISBURG PA 10.00 May 28 May 28 A & B AUTOMOTIVE MECHANICSBURGPA 242.14 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04107%; corresponding ANNUAL PERCENTAGE RATE: 14.99%. Rate is subject to the terms of the offer including expiration. Fact: Every 79 seconds a thief steals someone's identity (CBSnews.com, 1/25/2001). Enroll in ProfileProtect(R), and we will send you a copy of your credit report, monitor your credit file for charges every business day, and send you Quarterly Credit Updates - tools to help protect yourself from identity theft. Cal 1-877-737-1936 to enroll. Important Information. 11 there is more than one page to this baling statement see the back of each page for additional important information. See your Cardrnember Agreement. Your Cardmember Agreement contains all the terms of your Account. o Lost or stolen cards. Report immediately! Call 1400-947-2883. Ch BWng Rights Summair 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 bilk write us on a serate sheet of paper at Discover (3ta PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days. after we sent you the first big on which the error or problem appeared. You can telephone us,'but o doing so will not preserve your rights In your tter, give us the following information: -Your name and Account number. N The dollar amount of the suspected error. -Describe the error and expam, if you can, why you believe there is an error. If you need more information, describe the item you are unsure You tlo 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. White we investigate your question, we, cannot report you as delinquent or take any action to collect the amount you question. Special Rude for Credit Card Purchases: l you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried M good faith to correct the problem with the merchant You mayy not have to pay the remaining amount due on the goods or services You have this protection only when the purchase price was mare than f5D and the purc ha se was made in your home state or within 100 miles of your mailing afters. (d we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash By sending your check as describe) above, you authorize us to use information on your check to make an electronic fund transfer from or account at the financial institution indicated on your check or to process the payment as a check transaction. 9 pa nt is p rowed as an electronic fund transfer, the transfer will be for the amount of the cheek. When we use information from your check to mike an electronic fund transfer, funds may be withdrawn from your account ae soon as the same day we receive your pa7nt and you will not receive your check ba ck from your financial institution. The processing of your payrrhtrht may be delayed you send cash. correspondence or other gems with Vour payment g u send the payment to any other address or g you use an envelope other than the one provided. Payments received on or offer 1 "PF1 Monda?through Friday or on a weekenq or bank holiday will be posted oILr Account as of the next business did . a you have misplaced your enveope,_sen 4r-payment to Discover Bank, PO Box 6103, Car Stream 50197.6103. Please allow 7=10 days for delivery. O''yuhir payment is returned unpaid; we reserve the rtVt o resubmit it as an electronic debit You can pa r minimum fa nt. or a greater amount over the telephone, and you can set up automatic payments Call us at 1.800.347-2683. You will need lDa statement and your bid account information. You must ensure That sufficient lands are available in your bank account and all You will be asked to provide the first 5 digits of your account statement zip code. By entering those transactions must comply with U.S. law. numbers as r elecUonk signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your Dank account and to inkho debit or credit entries to your bank account, as applicable to correct an error in the processing of such payment You must tell us the amount of each payment or can select an amount such as the Wnimum Payment love or the New Balance on each statement You can cancel a L however we musT race notice at least three business days in advance of the scheduled payment You t we w fell may noUN us by phone at 1-800-34716'63 or Dy mail at address listed in the previous paraggrraph. It your payments may vary in amoun I you on e33M monthly statement when your payment will be made and how much A will be. Your Automatic payment amount may less than mdioaled on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may W reflected in your credit re We normally to the states and payment history of your Account o credit reporting agencies each month. It You bet'' that our report its inaccurate or incomplete, please write us at the following address. Discover Classic Card, PO Box 15316, Wilmington -DE 19850.5316. Please include your name, address, home telephone number and Account number. Perbdk Finance Charrs. Except as provided below, we will tin Periodic Finance Char as on purchases, cash advances and balance transfers bepinning with the Wfe the transaction occurs until the date repayment and on Old Balances until the date of repayment Old Balances are cc prised of either purchases and cash advances made on or prat to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases 4 you pay the New Balance shown on the billing statement on which the uurchase first appears by the Payment Due Date, and the Payments and Credits on that statement aCseat or exceed your Previous Balance, We call this the 'orate period'. You do not have a grace period on balance transfers or cash advances Periodic Finance Charges are imposed on new baance transfers and cash advances beginning with period date the transaction occurs. Periodic Finance Charges are imposed on all transactions and Old Balances until the date of repayment Repayment means rXnent of your entire and t en?in'iissadatee( meet i wtt aeiC the New wbaoui ?1 neemwewiNhnottl mtwxse Peno blit Finance Cmen har9 s onlnew purchases, lnfast anent fee. Otherwise, you will receive a billing statement next nsfers and Old Balances (which we refer to as transaction "12 period x Daily Periodic Rate. (Refer to the finance e6 c Finance Charges to, each transaction category to hown as 0 it no Periodic Finance Charges apply to the calculating the balance upon which we impose Periodic lament you received dunng the previous billing period by fxri apppeeared on that billing statement as well as new name Charges on the purchases on your previous. billing on lincei,see excluded from ttm EV?ance of the purchase and cash advance transaction categories Imial rate balance transfers and Balance Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Ealance transfers that were subject to an )eclat rate that has been lermmated due to a late payment or because you exceeded Your Account credit limit are also included in the I until the initial special rate otherwise would have expired. In calculating the daily Daladce of the balance transfer transaction category on day of the bMir?g period, we wDUael the unWid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers erne purchase rate balance Its id rs on that did and we add that unpaid balance to the balance of the urchase lransaeton.catvm ss charged to your Account are added to the rchase transaction categgoory with the exception or Casn Advance Transaction FeeFinance which are added to the cash advance transaction category and Balance "Transfer Transaction Fee Finance Charges which are added to the transfer transaction cat l a transaction made in a previous billing period is itemized on this statement we consider the transaction be the first day of the curren billing period when we calculate your Periodic Finance Charges. For TOD (Telecommunications Device for the DeaQ assistance, please call 1-900-347-7449. The DiscoverO Classic Card is issued by Discover Bank, Member FDIC CnRO DISCOVER DISCOVER' CARD brioer Discover' Card ranked #1 in Customer loyalty-for 11 years in a row!* 'I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperbas statements and 6"'n o telephone cog when something bolts suspicious. Your service levels ore unprecedented in the industry. You've got a customer in me for life.' James T.-C6"6,d, Ohio Experience it for yourself at Diseoveccom MCLAIN, ROY C Account number ending in 9362 *Aaadma b dis ZOOS &ad Keys Cusi.. Lw* E.9.9. .m bid. Repot CQDX Di- eat, M-6x MC Closing Dote: June 5, 2003 page 2 of 3 Simplify and save with three easy ways to transfer balances to your Discover Card. Call 1.866240.7939 to see if an offer is avaiktbia for you; go to Discovercard.com; or 6A for Balance Transfer checks in the mail. ,Go poperlessl Elect to stop receiving your Discover(R) Card statements by mail and receive them online only. You'll get an e-mail notificafion when yaw current Account statement is available and a printable version of your statement for your :records. Visit Discovercard.com to enroll. Congratulations to the Notional Discove*) Card Tribute Awarcl(R) Scholarship winners: Kevin Frasure, Jenny4We Lyon, Jeffrey Sun, Christina Adkison, Benjamin Lee, Jonathan-James Eno, Amanda Imbed, Caitlin G'Sell and Brittany Olson. Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute.htm to barn more. For those Cordmembers who participate in the Cashback BonuslR) Program, get a 7% Cashback Bonus Award at Barnes & Nobfe.com when you use your Discover(R) Card. Simply visit ShopCender(SM) at Discovercord.com, then click on the Barnes & Noble.com logo for details of the program. ;Finance Charge Summary Average NO"?mal ANNUAL ANNUAL Transaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNiANCE FINANCE Ida n? Rates RATES RATES CHARM CHARM current billing period: 31 days !Purchases $7129.99 0.05477% 19.99% F 19.99% $121.07 none '.Cash Advances $1770.05 0.06299% 22.99X, F 22.99% $34.56 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Dtscover.com or call 1-800-DISCOVER (1-800-347-2683). Closing Date: MCIAIN, ROY C DISCOVER June 5, 2003 Account number ending in 9362 CAR 0 page 3 of 3 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: July 5 gape Previous Cashback Bonus Award Balance $ 62.81 Purchase Award This Period + 0.00 5.38 Cashbac Bonus Award Total 68.19 Cashback Bonus Award Balance Award Available to Redeem 68.19 $ 60.00 Reahiciions apply to the Cashback Bonus Partner offers visit Discover.eam or calf 1-800-DISCOVER (1-800.347-2683) For delaib. For program detai a, see the Cashback Bonus Penns and Conditions. New Balance DISCOVER $8,696.56 Minimum Payment Due $174.00 Account Number ending in 9362 Enter Amount Enclosed Below CARD Payment Due $ Dais August 4, 2003 please make check payable to Discover Card or pay online 0 Discovercardaan. 05 SDSN6AO1 0003546 MCLAIN, ROY C Will your payment get to us on time? Pay 5252 E TRINDLE RD your ill online and your payment can be made to your account on the some day. Visit MECHANICSBURG PA 17050-3526 Discovercom/paymeMstoday, PO Box 71084 1114 Ollie CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to tnlrllulurlrllnrlrrlrlurllllurlnlulrrllulululrinil receive important Account information and special offers. 000001986458271370625086965 600000000017400 Discover Card Account Summary Closing Date: July 5, 2003 page 1 of 2 ;Account number ending in 9362 Previous Balance $8,885.41 !Payment Due Date August 4, 2003 Payments And Credits 500.00 ;Minimum Payment Due $174.00 Purchases + 158.78 'Credit limit $9,500.00 Cash Advances + 0.00 ICredo Available $803.00 Balance Transfers + 0.00 'Cash Credo limit $4,800.00 Fkrrmce Charges + 152.37 Cash Credit Available $803.00 New Balance $8,696.56 You may be able to avoid Periodic Finance Charges, we the reverse side for details. .Cashback Bonuse Opening Cashback Bonus Balance $ 68.19 New Cashbook Bonus Earned + 0.00 + 1.59 'CashbadeBonusSSince•Anniversary-Date----- ---- - bus W?? -- A R d ;of July 5: $35.55 va to a eerlt $ 60.00 How Can We Help P You? 1. Visit DiscoverAwn to pay your br1 fer ne test, vfew your latest Account information, earn and redeem rewards and more 'It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card avaikable. options or to speak with a Customer Service Account Manager ;For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Safi Joke City, UT 8,4130 `:Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date Date ?Paymenft and Credits Jul 2 Jul 2 INTERNET PAYMENT - THANK YOU $ -500,00 Gas/Automotive Jun 4 Jun 6 A & B AUTOMOTIVE MECHANICSBURGPA 85.81 Jun 9 Jun 9 AMERADA HESS CORP NEW CUMBERWDPA 17.90 Jul 2 Jul 2 A & B AUTOMOTIVE MECHANICSBURGPA 48,71 s Jul 2 Jul 2 MCCAFFERTY FORD OF MEC CARLISLE PA 636 Information For You -- - - - `SimPfiTy anif Save! Ose your DiscoverlR) Card fo pay offhigfiruFa 6alancos-Today. You rnn sa_ve_ - mone- - y-a- nd con . solidate your debt into one convenient payment. Calf 1-800.767-7319 to see if a Balance Transfer offer is available for you. ;Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERMENTAGE F14ANCE FRIANCE Bakmces Rates RATES RATES CHARGES CHARt;ES icurrent billing period: 30 days 'Purchases $7197.47 0.05477% 19.99% F 19.99% $11817 none Cash Advances $1804.37 0.06299% 22,99% F 22.99% $34.10 $0 'The rotes that apply to your Account are either fixed (F) or they may vary m as noted above. Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account cn Lost or stolen cards. Report immediately! Cog 1400-347-2693. m Billing Blights 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 se rate sheet of paper at Discover Card; PO Box 30421, Sall Lake City. UT 84130.0421, as soon as possible. We must hear from you no later r 6g days after we sent you the first big on which the error or problem appeared. You can telephone us,'bul 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. w •Dhesocurriibe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure You d% not have to pay any amount in Gcueslion 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 questlal, we, cannot report you as delinquent or take any action to collect the amount you question. Special Rub 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 thmay not have to Ty the remaining amount due on the goods or services You have this protection onl1yy when the purchase pnce was more an S50 and the purchase was made in your home stale or within 100 miles of your mailing address. (g we oWn or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 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 da we receive your payment and you will not receive your check back from your financial institution. The. processing of your W nit ma tic dbiggiJ R You send cash, correspondence or other Items with Your payment if u send the payment to any other address or g you. se an envelope other than the one provided. Payments received on or after 1 PKt Monday th=gh Friday or on a weekend, or bank holidayy wig De pied to r Account as of the next business tla . If you have . misplaced your epveb. ..pend Yogr_payment to Discover Bank, PO Box 6703, Caro( SUe.m. IL 60197.6103. Please alf6w 7.10 days for dehvery If yom payment is reluinetl unpaid we reserve the rightuto resubmit it as an ekctronk debit Yo can W ur minimum pa t or a greater amount over the telephone, and gu can set up automatic pa enls. Call us at 1-800-347-2683. You will need lln'is Statement and your bank account information. You must ensure lnat 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 ekcUOnic signature, Cu wig be agreeing to this authorization to allow us and your bank to deduct each Dayiroent you authorize from r bank account and to initia debit or credit entries to your bank account, as appp?llicableto correct an error in this processin g of such pa nt You must tell us the amount of each payment or you cean select an amount su V. ine Minimum Payment Due or the New Balance on each statement You can cancel a payment however we must recive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1-800-347--2663 or by mail at address listed in the previous paragpraph. If your payments may vary in amount?we will tell you On each monthy statement when your payment will be mark and how much it will bE. Your Automatic payment amount may less than )ndicatad on the monthly statement based on credits or payments applied during the billing cycle. Credit Reperlaig. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. 0 be that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PQ Box 15316, Wilmington"DE 19650.5316. Please include your name, address, home telephone number and Account number. Periodic Finance Charaes. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the daises the transaction occurs until the data of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances mark on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Paymeftt Dua Date, and the Payments and Credits on Thal statement aGUal or exceed your Previous Balance. We call this the " cis period . You do not have a grace ppeenod on balance transfers or cash advances. Perxtdic Finance Charges are imposed on new balance transfers and rash advancxs Dcgirtnina with the date the transaction occurs. Periodic Finance Charges are unposed on all transactions and Old Balances until the oak of repayment Repayment means paymail of your entire a, and th e Payments and Cretlits shown New Balance. Flowever if you y Ilte New Balance shown on th is billin statement Ae Payment Due D is on this stakmeM aqua) or e xceed the Precious Balance we war not pa ases that is purchases first u?ipose PeriodickY ?inance Charges o n new purch apoearih. on thin statement g Your Account was closed as of: (t) September 27,1999; or ()g_AUgusl 31,2001 was formerly a Discover® Prime care and We Payments and CiLtlits on this statement equal or exceed yuw neviuus ealaoee. Utnerwise, you win receive a oming statement next month that includes Periodic Finance Charles imposed uni'I the date of repayment We compute Peiotlne Finance Charges each tlay far purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using Ns foNOwing equatiar Average Daly 9agnce x number of days in tine billing period x Daily Periodic Bale. (Refer. to the finance !m.-c rgpee suthe lance m a We use the Char ggees. This meam d y&i did nW pay tine New Balance shown on the bilfing statement you received tlunr?g the previous D'dhng Derind try the P hismit?tie Dak, we will unDpOo?? Periodic Firence Charges on n!w purchases Thal first ceppeantl on that biKng statement as well as new mnchases That first smear m This NBine statement unless we atreaM imposed Peratllc Finance Chardes Din the DUfChaSeS On Vbdt DfEYIDUS billing on the Mir day's aai balance; and by then-subtracting any credits and payments that are ON on atln t Wv. In caicu lino the daily balance for the previous billing period. we consider the were subject to an so Included in the action category on All fees charged lb r Account are added to the renase transaction tale ory wnn ine exception of lasn Aovance iransacum r Charges which are ad d to the cash advance tramai n category and Balance ranter Transaction Fee Finance Charges which are a balance transfer transaction Cate If a transaction made in a previous WWOiAgg period Is itemized on this statement we consider the dale to be the first day of the curren tilling period when we calculate your Penoaic Finance Charges. For TOD (Telecommurdcatiorq Device for the Deaf) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. (losing Dope; DISCOVER I July 5, 2003 MCIAIN, ROY C Account number ending in 9362 CARD page Z OFZ Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 68.19 Purchase Award This Period + 0.00 1.59 Cas back Bonus Award Total 69.78 Cashback Bonus Award Balance 69.78 Award Available to Redeem $ 60.00 ------------------- Rrielons apply io the Cashbock Bonus PaM offers visit Dkcowr cam or calf 1-800-DISOMSt (1-800-347-2683) for details. for program details, see the Cashback Bonus terms and Conditions. DISCOVER' New Balance Minimum Payment Due Account Number ending in 9362 $8,897.20 $178.00 $178.00 Enter Amount Enclosed Below CARD Payment Due Date `} 1 September 4, 2003 Please make check payable to Discover Card or pay online 0 Discovercord.com. 05 SDSN6AOI0003549 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Wiliyour payment get to us on timet Pay your II online and your payment can be made to your account on the some day. Visit Discover.com/payments today. PO BOX 71084 Il1rsr11rrrllrrrrI rlrrIrlrI CHARLOTTE NC 28272-1084 Address, e-maBortelephone change? Print change in space (nlu((uEnr)r))u)u? r?ni???hn) n) u)n))w)nlu) r)ull III above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625088972000000000017800 ------- ----------- - ---- - - ------- 'Discover Card Account Summary Account member ending in 9362 Payment Due Date September 4, 2003 Minimum Payment Due $178.00 ?Crec it Limit $9,500.00 Credit Avoik66 $602.00 Cash Credit Limit $4,800.00 Cash Credit Available $602.00 (losing Date. August 5, 2003 Page 1 of 3 Previous Balance $8,696.56 Payments And Credits 200.00 Purchases + 245.55 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 155.09 New Balance $8,897.20 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus! Opening Cashbock Bonus Balance $ 69.78 New Cashback Bonus Earned + 0,00 + 0.61 ;Cashback Bonus® Anniversary Cashback Bonar, Balance . _ .... _ A il bl . _ ... $ ..... .- _ 70.x3.9 Date: July 5 va a e to Redeem $ 60.00 ;CONGRATULATIONS! Now that your award is $20 or more, you can redeem it in $20 !increments by calling 1-877-YOUR-AWARD or by 69g?nngg into the Account Center at Disconsrcard.com. ;How Can We Help You? I . Visit Diseorsneom to pay year bi for no ceet, `^e,?^' your P latest Account informdion, earn and redeem rswarcJs and mare 'It's your choice - 3 ways to help 2. Call 1-8004D1SCOVER (347.2683) for fast, easy self4avice Please have your Discover Card available, options or to speak with a Cudomer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Dale Date 'Payments and Credits Aug 1 Aug I INTERNET PAYMENT - THANK YOU $ .200,00 +Merehandise/Retail Jul 14 Jul 14 CVS 1626 MECHANICSBURGPA 15.49 -------- . ---- --ju122---jd22---LYKENSMARKlk-T'PORTM)UICOA?X- -- ---- - -T200---- Jul 29 Jul 29 CFFICEMAX 39 MECHANICSBURGPA 62.49 Jul 29 Jul 29 OFFICEMAX 39 MECHANICSBURGPA 27,09 'Gas/Automotive Jul 4 Jul 6 TRIANGLE CAR WASH WE MECHANICSBURGPA 16.95 Jul4 Jul6 KWIK FILL MECHANICSBURGPA 25.99 Jul 24 Jul 24 A 8 B AUTOMOTIVE MECHANICSBURGPA 20.14 Jul 24 Jul 24 U.HAUWSTG DEPOT SOUTH MECHANICSBURGPA 65.40 Information For You Simplify and Savel Use your Discover(R) Card to pay off high-rate balances today. You can save money and consolidate your debt into one convenient payment. Cal 1-800.353-0942 to see if a Bokxuce Transfer offer is available for you. important IMo"natlon. If there is more than one page to this billing statement, see the back of each page for additional Important information. See your Cardmemher Agreement. Your Cardmember Agreement contains all the terms of your Account. in Lost or stolen cards. Report immediately! Call 1-800-347-2883, U) Bit" RWO gtrnrnary. 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 se rate sheet of paper at Discover Card, PO Box 30421, Salt Lafce City, UT 84130.0421, as soon as possible. We must hear from you no later than 60 Gays after we sent you the first bill on which the error or problem appeared. You can telephone us,'but g doing so will not preserve your rights. In your letter, give us the following information: .Your name and Account number. .The dollar amount of the suspected error. u .Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure YouGSo 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: B you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried M good faith to correct the problem with the merchant you may not have to pay the remaining amount due on the goods or services YOU have this pr0leClo n only when the purchase price was more plan =50 and the purchase was made in your home slate or wlhfn 100 miles of your mailing address. ((t we own or operatio the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the lop 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 paYmenl is ocessed 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 pa nt, and you will not receive your check back from your financial institution. The processing of your payment mayy De dbrayed N you send cash, correspondence or other items with your payment IL u send the payment to any other address or it you use an edve10 other than the one provided Payments received on or after 1 PFI MondayYthrough Friday or on a weekend or bank holiday will be ousted to1Your Account as of the next business day. If you have. misplaced your envgbpe„sendyov r- payment to Discover Bank, PO Box 6103, Carol Stream. 60197-6103: Please allow 1-10 days for delivery. It your payment is returned unparnf, we reserve the rmMceto resubmit N as an electronic debit Vo can pa r minimum Pa enl or a greater amount over the telephone, and Cu an set up automatic paYments Call us at 1-800.347.2683. You will need Otis slatenlent anG your bank account information. You must ensure That sufficient funds are avai able 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 ebcironk spnalura, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your Dank account and to inilfa(e deoR or uedil entries to your bank accounk as applicable lo.correct an error in the processmg of such you can select an amount such as the Minimum Payment Due or the New Balance on payment You must tell us the amount each payment or each sUlemen, You can cancel a t however we musT receive nolrce al least Ihree business days in advance of the scaeduled payment. You may ndiN us by phone al 1.8D0-347or by mail at address listed m the previous pawppraph. N your paYm??ls may vary m amoun` we w01 tell you on cis monthly statement wher paynt ill be mdncated on the thly statement bon credits or payments applied during the billing cycle. Credit Repodlo . We may report information about your account to credit bureaus Late payments, missed pa ents, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address. Discover Classic Card, PD Box 15316. Wilmington DE 19850.5316. Please Include your name, address, home telephone number and Account number. Periodic Finance Chortles. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the dale of repayment and on lid Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Perak Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Durchase first appears by the Payment Due Date, and the Payments and Credits on that statement eGUal or exceed your Previous Balance. We call this the "Grace Geriod". You do not have a once period on balance transfers or cash advances. Periodic Finance Charges are imposed on new e you or ex new on you will receive a billing sturemeui nem alances (which we refer to as transaction Daily Periodic Rate. (Refer to the finance Charges for each transaction categgyt to D Periodic Finance Charges apply balance upon which we impose Periodic Ned claim the previous baling period by n that billing statement as we as new in the purchases on your previous billing daily balances in a biBing period for a ily balance for each transactor category es charged that day and Periodic Finance at are ipDplied against the balance of the Jet the previous days daily balance" to pecial rate balance transfers and Balance Balance transfers that were subject to an ant credit limit are also Included in the balance transfer first of tcane0ory.ll a transaction made in a previous Cetng period itemized on date to be the OM day day of the cuff"enl billing period when we calculate your Periodic Finance Charges, For TOO (Tetecornnnatleatiem Device for the Deaf) assistance, please call 1•800-347-7448. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD DISCOVER' MCLAIN, ROY C «..: Account number ending in 9362 Discover" Card ranked 'i in Customer Loyalty-for 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels ore unprecedented in the industry. You've got a customer in me for life." James T clm lond,Ohio Experience it for yourself at Discovercan *Aaard" to the 2008 Brad Keys Cmbme loyally tagogement inda Report 02008 Discar.r Bank, Member FDIC - - - - - - - -- - - - - Closing Date: August 5, 2003 page 2 of 3 For a list of our great Cashbock Bonus)R) Partners, login to the Account Center at Diseovercard.com or call us at 1-877-YOUP-AWARD (1-877-968-7292). Identity theft is the fastest growing crime in the U.S. (General Accounting Office, 1/03). Enroll in optional ProfileProted(R) and we will send you your credit report, monitor your credit file for changes each business day, and send you Quarterly Credit Updates - tools to help protect yourself from identity theft. Call 1.877-737-1936 to enroll. Discover Financial Services is proud to support this year's Juvenile Diabetes Research Founddion's Walk to Cure Diabetes. Help us raise even more money to fund research for a cure by participating in the Walk or donating your Cashbock Bonus(R) award to JDRF. A cure is within reach. To learn more, visit Discovemard.com or www.ldrf.org. --------- - ---------------------- -------------------- Go pap less! Elect to stop receiving your Discover(R) Card statements by mail and receive them online only. You'N get on e-mail notification when your current Account statement is available and a printable version of your statement for your records. Visit Discovercard.com to enroll. Register valuable documents and property items such as stocks, computer and DVD. If you suffer a loss due to fire or theft, you'll have an inventory to provide to your insurance company. Call 1.80Q3473395 to enroll in our 3 year $45 register service. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE 4f Raw RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7018.84 0.05477% 19.99% F 19.99% $119.17 none Cash Advances $1839.36 0.06299% 22.99% F 22.99% $35.92 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). Closing Date: MCLAIN, ROY C DISCOVER August 5, 2003 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: July 5 _ Balance Previous Cashback Bonus Award Balance $ 69.78 Purchase Award This Period + 0.00 0.61 Cash ac Bonus Award Total 70.39 Cashback Bonus Award Balance 70.39 Award Available to Redeem $ 60.00 Restrictions apply to the Cashback Bonus Partner offers visit Disearorcem or caq 1-800-DISCOVER (1-800,3A7-2 683( for details. For program details, see the Cashback Bonus terms and Conditions. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $8,856.98 $178.00 Enter Amount Enclosed Below CARD Payment Due Date $ 1 __1 October 4, 2003 Please make check payable to Discover Card or pay online 0 Discovercard.com. 05 SDSN6A010003550 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will ar payment get to us on time? Pay your lei! online and your payment can be made to your account on the some day. Visit Discover corn/payments today. PO BOX 71084 Iliradlsarlisrrs6la,lrl1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lnlrllulnnlnllnnlulnlnrllllnnlnnluIt linlr,irilrln,il above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625088569800000000017800 Discover Card Account Summary Account number ending in 9362 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available October 4, 2003 $178.00 $9,500.00 $643.00 $4,800.00 $643.00 Closing Date: September 5, 2003 page i of 3 Previous Balance $8,897.20 Payments And Credits 300.00 Purchases + 101.39 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 158.39 New Balance $8,856.98 You may be able to avoid Periodic Finance Charges, see the reverse side for details. r Cclshback BOnus® Opening Cashback Bonus Balance $ 70.39 New Cashback Bonus Earned + 0.00 + 0.25 -i ?Cashback Bonus*-Anmivemary - - Date: July 5 i CONGRATULATIONS! Now that M02 ward ' is $20 or more, you can redeem 0 increments by calling 1.877-YOUR-AWARD or by logginngg irdo the Account Center at Discovercarcl.com. Cashbock Bonus Balance - . - _...$ . 7Q.64 Available to Redeem $ 60.00 'How Can We Help You? i • Visit Discover corn to pay your bM for no cost view c latest Account infonnafion, eam and redeem revow& c your more It's your choice - 3 ways to help 2. Call 1$00 DISCOVER (3472683) for feat, easy self service Please have your Discover Carol available. options or to speak with a Customer Service Account Manager 3. Writs us d Discover Cad, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Frond liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Credits Sep 4 Sep A INTERNET PAYMENT -THANK YOU $ -300.00 loos/Auto notim Aug 4 Aug 6 7-ELEVEN STORE 11422 HARRISBURG PA 16.90 -[ -. .. --------------------- -- ---9 fl 8020----------- . ------------------ -------- Aug 5 Aug 6 U-HAUL MECHANICBURG MECHANICSBURGPA 62.24 Aug 5 Aug 6 0201 SHEETZ0000201 AA98 MECHANICBURG PA 4.00 Aug 20 Aug 20 0201 SHEETZ00002014498 MECHANICBURG PA 18.25 Important Intorriatlon. If there is more Ihan one page to this tolling statement, see the back of each page for additional important information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your AcccunL Cl) 0 rn Lost or stolen cards. Report immediately Call 1-800-347-2683. Z BOm ROU Surnlrary. In Case of Errors or Questions About Your Bill: If a think your bill is wron4 or it you need more information about a o transaction on yyoouur bill, write us pn a separate sheet of paper at Discover f31rd; PO Box 30421. Sall Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first big on which the error or problem appeared You can telephone us,'bul o° doing so will not preserve your rights In your letter, give us the following information: Your name and Account number. -The dollar amount of the suspected error. *Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure ooft J Youodo 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 Purchaser: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried In poop faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the gos a services You have this protection only when Lne rchase price was more loan S50 and the purchase was made in your hone stale or withinod100 miles of your mailing address. (If we own or operas the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the lop portico of this statement in the envelope provided. Do not send cash. By sending your check. as described above, yon authorize us to use information on your check to make an electronic fund transfer from yyoouur account at the financial 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 m6ke an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your parnt. and you will not receive your check back from your financial institution. The price?inp of your payment mayy W delayed lT yrw send cash. correspondence or other gems with yyour salmon( if send the payment to any other addr fse or y you use an eriYelope other than the one provided. Payments received on or atler 1 PKt MondayWturouOh Friday or on a to weekenQ or bank holiday will be posted to ur Account as of the next business da . If you have misplaced your envelope„send. Your_ - Discover link, PO Box 4103, Carol Stream. IC 60197-6103.- Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rlgnt to resubmit it as an electroft debit You can a r minimum poYmenI or a greater amount over the telephone, and you can set up automatic payments. Cali us at 1-800.347-2683. You will n peed this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all bansactions must campy 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, will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from Your Wnk account and to miUafe debit or credit entries to your bank account, as applicable, to. correct an error in Ihe-processmg,ot_such may noun bs by phone at n-alit-34/-tbe3 or Dy man at address ustee in Inc Previous Pau atm. n yw, Payn¢nu may Yap m a„- c you on a ch monthly. statement when your payment will be made and how much it will Your Automatic payment amount may less than •ndoaled on the monthly statement based on credits or payments applied during the billing cycle. 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 nbrnialry re the status and payment history of your Account to credit reporting agencies each month. If yyooyu believe that our repot is inaccurate or incomplete, lease write us at the following address Discover Classic Card, PO Box 15316, Wilmington-DE 19850.5316. Please include your name, address, hom pe telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or pror to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid rat of Periodic Finance Charges on new purchases 9 you pay the New Balance shown on the Will statement on which the purchase first a rs by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your evious Balance. We call his the •erace neriod'_ You do not have a grace Deriod on balance transfers or cash advances. Perodic Finance Charges are imposed on new lenient equal of exceed the Previous balance we will not impose rerxore rlnanca Lnar cs uii now uicuaaca, uul n Puronaaca ?„+. on this statement. U your Account was closed as of. (t) September 27,1999; or (it.) Augu 31,2001 a was formerly a biscovere Prime cover National Alliance (of Specks Survivaldt or Universal Studios Account; or (iii September 30, 2001 and was formerly a Discover i.Aceounl, you can avgid payment qt. P-inj"ic. Finance Charge; if_y-N .pay the N. Yf._ la cg shown on this statement by the Payment Due to Pa nts and Credits on this statement equal a exceed jour neviuus Balance. Otherwise, you will receive a billing slatemem next includes Pe Fin ice Charges imposed until the date of repayment xlte Periodic Finance ?liarges.each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction by using the following equation: Average Daily Balance x number of days in the blihng period x Daily Periodic Rate. (Refer to the finance tmarrYy on lhC front of Your statement for these artpunts) Then we add all the Pert odic Finance Charges for each transaction categt ry to al Parkdk Finance Charges for your Account Tme Average Daily Balance is shown as 0 if no Periodic Finance Charges apply o the a transaction category. the two-cycle average daily balance (including new transactions) method of calculating the balance u which we impose Periodic carggoQs£ This means if y3u did not pay the New Balance shown on the billing statement you received churn the previous billing Ceriod by natrCe Date, we will imp= Periodic Finance Charges on new purchases that first appeared on that bit ing statement, as we0 as new that frost appear on this bli ins statemeni, unless we alreaddyy Imposed Periodic Finance Charges on the ppuurchases on your previous billing We compute the averspe gat Wlance fa each transaction category by adding up all the dairy balances in a billing period for a category and dividen9 tha total me number of days in the billing cycle. We coinpule the daffy Wlance for each tironsseton category ryiy bbyyTirsl adtling the Tolbwinp to a previous days y Wlance: transactions made foal day, fees chargpeed? that day antl Periotlk Finance Cruel on the pevious days Daily Wlance; and by then' sub Uacbng arty credits and payments that are e?plktl against the balance of the Br# M gel falinp the dairy Wlance for the previous billing period, we consider the previous days dairy balance" to Ca on that do In caku 0 on ltld bay lge gno parted. lees are exNUdeB from tW Wlance of the purchau and cash advance tnnsaclbn categories Special rate Wlance transfers and Baance ansaclign Fee Finance Charges are included in the daffy Wlance transfer transaction category. Balance transfers that were suDlect to an a.i .•e. ie.r n.. n..., r.rm,•aba e,,. to a iar• navrri.nl nr Mcause wxi exceeded veur Account credit limn ate also Inclb rid in the that become purchase rate' Wlance transfers on that day and we add that unpaid oaiance to trim wnance or me rcnase transaction caw All fees charged to your Aecoor are adtletl to the purchase transaction calegTry with the exception of Ca h Advance Transaction I Charges which area to the cash advance transac' category and Balance ransfer Transaction Fee Finance Charges which are a balance transfer transaction category. 9 a transaction made in a previous pilling period is itemized on this statement, we consider the date to be the first day of the cufreni billing period when we calculate your Periodic Finance Charges. For TOD (Telecommradeations Device for the Deaf) assistance, please call 1-600-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER MCIAIN, ROY C DISCOVERAccount number ending in 9362 CARD Discover" Card ranked #1 in Customer loyalty--for 11 years in a rows "rve never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T-Ckvelaid, Ohio Experience it for yourself at D'nscovercom *acwrduq to the 2008 &end Keys Cuslanw toyalty Esgogww Index Report 02008 Dismver Bank M-Aw FDIC Closing Date: September 5, 2003 page 2 of 3 Finance Charge Summary Nominal Transaction Averoge Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba Rates RATES RATES CHARM CHARGES current billing period: 31 days 'Purchases $7171.90 0.05477% 19.99% F 19,99% $121.76 none ;Cash Advances $1875.62 0.06299% 22.99% F 22.99% $36.63 $0 The rates that apply to your Account are either fixed M or they may vary M as noted above. QUe5t10nS? Manage your account at Discover oom or call 1-800-DISCOVER (1-800-347-2683). dosing Date: MCLAW, ROY C DISCOVEK September 5, 2003 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 70.39 Purchase Award This Period + 0.00 0.25 Cas ac Bonus Award Total 70.64 Cashback Bonus Award Balance Award Available to Redeem 7o.64 $ 60.00 Restrictions apply to the Cashbook Bonus P ? offer visit p cam or cab 1-800* SCOVER (1-800.347-2683) For detaih. For program details, see the Coshback Bonus ferma and Conditions. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $9,405.01 $209.00 Enter Amount Enclosed Below CARD Payment Due Date November 4, 2003 Please make check payable to Discover Card. You are nearing your credit lima; cant o4 yt dcr to apply for a limit increase. 05 SDSN6A010003551 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your III online and your payment can be made to your account on the some day. Visit Discovercom/payments today. PO BOX 71084 ?i?nrs??nnsi(ssrr?n,ss?n?r? CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (uEn??n?nr?n??ur?e?r?un????nr?n?n?u??u?u?u?n?u above, or go to Discover.com. Print your e-mail address to roes!" important Account information and special offers. 000001986458271370625094050100000000020900 - - - - - - - -- - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - -- Discover Card Account Summary Account number ending in 9362 `Payment Due Dale November 4, 2003 'Minimum Payment Due $209.00 `Credit Limit $9,500.00 Credit Available $94.00 Cash Credit Limit $4,800.00 'Cash Credit Available $94.00 Closing Date: October 5, 2003 page 1 of 3 Previous Balance $8,856.98 Payments And Credits - 120.00 Purchases + 478.72 Cash Advances + 0.00 Balance Transfers + 0.00 Finance charges + 189.31 New Balance - $9,405.01 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonus® Opening Coshback Bonus Balance S 70.64 New Cashbock Bonus Earned + 0.00 + 0.95 Cmhback Bonus® Anniversary - - - - - - - - - - - - - - - - Q*h. l <tti ?4lce . _ - _ _ _ _ _ A il bl _ _ _ _ _ $ 71,59 . :Date: July 5 va a e to sea $ 60,00 CONGRATULATIONS! Now that your award i!s $20 or more, you can redeem it in $20 increments by tapir 1$77-YOUR-AWARD `or by loggingg into, the Account Center at 'Discovercard.com. HOW Can We He( You? 1. Visit Discovsrean to pay your lei for The cost, view your P latest Account informaton, eam and recleern rsvvads and more it's your choice - 3 ways to help 2. Call 1-800AISCOVER (347-2683) for fast, easy sel 4arvice options or to speak with a Customer Service Account Manager ;Please have your Discover Card avaitabls. 3. Write us at Discover Card, PO Bar 30943, For TDD (assistance For hearing impaired) see reverse side Sal Lake City, UT 84130 Transactions $0 Fraud Liability Guamm*e Use your Discover Card with confidence. r : 0 Dale Payments and Credits Sep 10 Sep 4 RETURNED INTERNET PMT $ 300.00 Sep 11 Sep 10 REVERSE RETURNED PAYMENT CHECK CHARGE -29.00 - ---.-.-_-- -__ --•---Sep LL _.. Sep 1.1._PHONE.PAYJv1ENT,T}iANKYOll._-.- --356..00.----.. Sep 12 Sep 12 LATE CHARGE REFUND -35.00 Merchandise/Reta1 Sep 24 Sep 24 OFFICEMAX 39 MECHANICSBURGPA 25.42 i Sep 29 Sep 29 TOP NOTCH DISTRIBUTORS HONESDALE PA 119.86 ;Other/MisceeNawous Sep 10 Sep 10 FEE FOR RETURNED ACH PAYMENT 29,00 Sep 10 Sep 4 ADJUSTMENT - FINANCE CHARGE 0.33 Sep 10 Sep 4 ADJUSTMENT- LATE CHARGE 35.00 Sep 10 Aug 6 ADJUSTMENT - FINANCE CHARGE 34.08 aGas/Auternis" Sep 5 Sep 6 PENSKE TRK LSG MD BALTIMORE MD 89.91 Sep 12 Sep 12 KWIK FILL MECHANI SBURGPA 20.80 Sep 16 Sep 16 PENSKE TRK LSG MD BALTIMORE MD 77.82 Sep 17 Sep 17 KWIK FILL MECHANICMURGPA 20.00 Sep 22 Sep 22 SUNOCO CAMP HILL PA 22.50 Travel/Enmrtainment Sep 4 Sep 6 05651 PRKWY-12TH & WAL PHILADELPHIA PA 4.00 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 D or stolen cards. Report immediately! Call 1-800-347-2683. Z Lost Z Bitig .Oft Summary In Case of Errors or Questions About Your Bilt If (honk your bill is wrong, or it you need more information about a o transaction on your bill, write us on a separate sheet of paper at Discover Lyard; PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must bear from you no later than 6U days after we sent you the first bill on which the error or problem appeared. You can telephone us,'but g doing so will not preserve your rights In your letter, give us the following information: Your name and Account number. 'The dollar amount of the suspected error. 'Describe the error and exphm, it you can, why you believe there is an error. If you need more information, describe the item you are unsure pouf J You tlo 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 fort Credit Card Purchases: II yyoou 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 ppaay the remaining amount due on the s oservices You have this protection only when the purchase price was more than !50 and the purchase was made in your home slate or wi bin ,De, miles of your mailing address. (it we own Of operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 YYoouur account at the financial institution indicated on your check or to process the payment as a check transaction. N 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same dos we receive your pa nt and you will not receive your check back from your financial insttiituution. y he processin0 of your prvmeM rtaY be hued Il you send cash, correspondence nts rechenied ins of wital(er 1 pPM MbnOay tnrounh thepayment to an other addr or it ycu Use an a k1 at than the one provided. Paycc y or on a weekend of bank holiday woe be posted to w Account as of the next business day. If you have, misplaced your envelope,_sencl r-gaymenl to Discover Bank, PO Box 6109, Grd Stream, I[ 60197.6103. Please allbw 7-10 days for delivery If yout payment is returned unpaid wwe reserve the r1t to resubmit It as an electronic debit You can pa ur mini mum W nl or a greater amount over the telephone, and Vu can set up automatic paYments. Call us at 1-800.347.2583. You will need ti'm statement,an0 Your bank account information. You must ensure that sufticlenl funds are ava8able in your bank account and all transactions must canppNry 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 electiobic agnaWre, You will be agreeing to Ws aulnorlzatbn to alkuw us and Your Dank to deduM each uayment you authorize from Your bank account and 1o iniliafe debit o crer enlrles to your Wnk account as app Ucabk to correct an error in one processing of wch payment You must tee us fns amoJ683 each payment or You can select an amount such as the Minimum Payment Due or the New Balance on each statemend You corn camel a nt however we must receive voice at least three business days in advance of the scheduled payment. You may noti?y us by phone al 1.800-34of Dyymmeail at address listed m the previous paisa h. Ii your payments may vary in amouyt?w?esso than it III _,I be You o edbaon thecelr?ionlhy fa it eni ba of oo?creols it, . ma payments appfk Our rip the billing bye Ie.YOUr Aulomabc payment amount ma Credit ReportYrg. 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 ie the status and payment history of your Account to credit reporting agencies each month. If yo bek'?e that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PQ Box 15316, Wilmington DE 19850.5316. Please Include your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date repayment and on Did Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases U you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call This the 'orace 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 adnnces beginning with one date the transaction occurs Periodic Finance Charges are unposed on all transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However if you pay the New Balance shown on this billi, statement 4y the Payment Due Date. and the Payments and Credits shown on this statement equal or exceed the Previous Balance we will not rlluipose Periodic Finance Charges on new purchases, that is purchases first appearing? on this statement U Your Account was clesed as of (i) September 27,1999; or (it) August 31,2001 antl was formery, a biscover4b Prime Option, QISCover Natlerial Ananee fa Specks Surviva* or Universal Studios Account or (iii1 September 30, 2001 and was tormerN a Discover £milhse:lten AcdaJnt caP a, d pa enl of ,Pyr,'rodic. HP?rice l71prges if_ w-j my the N,w._ lapcg ,shown on this statement by the ayment Due uara and ilie Pa me Ms and fir on this statement equal or exceed your nevwus BaW,ce. Otherwise, you will receive a billing slatemem next month that Inc Pedotkc Finance Charges imposed until the date of repayment We coin le clod c Finance Charges, each doss for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories by using the following equation: Aver ago Daly Balance x number of dosys in the billing period x Daily Periodic Rate. (Refer to the finance t ID e trial Pe statement for these a unts) Then we add ail the Periodic Finance Charges for each transaction category to charggee stun y on the trod of our ggeriodic Finance arges for your Account The Average Daily Balance is shown as 0 A no Periodic Finance Charges apply to the balance in a trinsectlen category. We use the two-cycle avsre a dos'dv balance (incWding new transactions) method of calculating the balance upon which we impose Periodic Finance Chargaes This mearu if y did Itot pay the New Bat nee shown on the billing statement you received duringg the previous tidhng period by the Payment-Due Date, we will impose Periodic Finance Charges on new purchases chat first appeared on that bit i?ng statement as well as new purchases that fuel appear on this Dilin , statement unless we alread?lyy Imposed Periodic Finance Charges on the purchases on your previous billing statement We compute the average daily balance fa each trance ion category by adding up all the dairy balances in a billing period for a he total by the number of days In the billing cycle. We cofnpute the daily balance for each transaction category transaction cosh and divldin?011 on each daYpy Tirsl adding the bwinop to fhe previous day 'in daffy balance: transactions in ade tha t doss, fees charppee0? that day antl Periodic Finance st the balance a tine Charges,acirued on ins pevious days riot balance; and by en sublracling any credits and payments loaf are i?pli again transaction ca(epay on Gnat dosY le cakufaUnp the dairy balance fa the previous billing period, we consider the pevr ed ous tlays dairy balance" to have bean 0 on (tie first dossy of the billing perbe. qd knees are exetude0 from the Wtance of the purchase and cash advance lransaction.categoies Spaciao rate balance transfer' and Balance Transfer Tranaaclion Fee Fnarioa CWrges are included m the dairy balance Uansrer is sactOn category. Balance transfers IDal were suDkd to ainitial s ql rate Thal has been lerminalep due tu a bale payment or because you exdeeded yOUr Account cretlil limit are alw Included in Mn e __ ..._. .•x •w....a.., ..,..:ter ."•..ar.....,,.. In raleulaI rin lie AarN haladee of the ealanee transfer transactxn categOrV on Charges which are added to the cash advance transaction category and tialance i ransier nansacuun r balance transfer transaction categooryry I(a transaction made in a previous ppolin ,penal Is itemized on date to be the first day of the current billing period when we calculate your Pen is Finance Charges. For TOD (Telecornm unicalWn Device for the Deaf) assistance, please call 1-800.347-7449. The Discovery Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD DISCOVEW MCIAIN, ROY C caeo Account number ending in 9362 IsngMer Discover" Card ranked #i in Customer loyalty-for 11 years in a rowr "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T.-Cleveland, Ohio Experience it for yourself at Oiscovercom *Aaardmq b de 2000 BroM Kays CusWw teyoty Ereoawn Index Report 02008 Discover Bank, Member FDIC Closing Dane- October 5, 2003 page 2 of 3 Information For You Simplify and Sovel Use your Discover(R) Card to pay off high-rate balances today. You can save money and consolidate i your debt into one convenient payment. Call 1-800-767-7315 to see if a Balance Transfer offer is available for you. No payments. No penalties. No problem. Discover(R) AccountGuard(R) gives you the ability to put your payments and periodic finance charges on hold if you lose your job, take a leave of absence, become disabled, hospitalized, gel monied, divorced, give birth, adopt a child, or move. Cal 1.877.883.1959 to emolll * * * * * Your purchase of AccourtGuard is optional. Whether or not you purchase AccoudGuard will not affect your application For credit or the other terms of any existing credit agreement you have with us. Additional Disclosures. We will give you AecounlGuard Terms and Conditions before you are required to pay. There are eligibility requirements, conditions, and exclusions that could prevent you From receiving benefits under AccountGuard. You should carefully read the AccountGuard Terms and Conditions for a full .. "pkmation_of.the.terms of. AccountGuacd._ - - - - .. ... _ ... - . - - -. . Identity theft is the fastest growing crime in the U.S. (General Accounting Office, 1/03). Enrol in optional ProfileProted(R) and we will send you yaw credit report, monitor your credit file for changes each business day, and send you Quarterly Credit Updates - tools to help protect yourself from identity theft. Cal 1-877-737-1936 to enroll. Go paperlessl Elect to slop receiving your Discover(?) Card statements by mail and receive them online only. You'll get an e-mail notification when your current Account statement is available and a printable version of your statement for your records. Visit Discovercard.com to enroll. Do you know a current high school junior who is on all-around achiever, beyond academics? We want to know them tool To find out more about the Discover(R) Card Tribute Award(R) Scholarship Program, visit our website at Discovercard.com/tribute.ftm. There are up to 460 scholarships available worth more than $1 million. OPEN A NEW DISCOVER MONEY MARKET ACCOUNT TODAYI Our AutoSovers Plan lets you save painlessly by scheduling multiple monthly deposits into your Money Market Account ... for Education expenses, a new Car, Holiday gifts or whatever you wish! Cal today to open your Account and sign up for AutoSavers: 1$00-347-7000. Mention Code: SC1003PM. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE IBg an< s Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $7299.83 0.06847% 24.99% F 24.99% $149.94 none Cash Advances $1916.76 0.06847% 24.99% F 24.99% $39.37 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.eom or call 1-800-DISCOVER (1-800.347-2683). Closing Date: MCLAIN, ROY C DISCOVER October 5, 2003 Account number ending in 9362 CARD page 3 of 3 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 70.64 Purchase Award. This Period + 0.00 0.95 Cas back Bonus Award Total 71.59 Cashback Bonus Award Balance Award Available to Redeem 71.59 $ 60.00 R?atrictiom apply to the Cashback 8orws Parh»r offers visit Discovx cam or Coll 1-8000*WVER (1.800.347.2683) For ddeetails. For program details, see the Cashback Bonvs 1 arms and Condfions. DISCOVER CARD New Balance Minimum Payment Due $9,821.48 $428.00 Payment Due Date December 4, 2003 05 SDSN6A010003552 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card. You areoverlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $321.48. Will your payment get to us on time? Pay your 11 online and your payment can be made to your account on the same day. Visit Discaver.com/payments today. PO BOX 71084 111111 loll III CHARLOTTE NC 28272-1084 Address,a-mail or telephormcha%e?Print change in space nalrHnn1u11u+u111111loll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625098214800000000042800 Discover Card Account Summary Account number ending in 9362 Payment Due Date December 4, 2003 Minimum Payment Due $428.00 Credit Limit $9,500,00 Credit Available $0.00 Cash Credit limit $4,800.00 . Cash Credit Available $0.00 Closing Date: November 5, 2003 page 1 of 1 Previous Balance $9,405.01 Payments And Credits 0.00 Purchases + 213.40 Cash Advances + 0.00 Balance Transfers + 0.00 tetanus Charges + 203.07 New Balance - $9,821 AS You may be able to avoid Periodic Finance Charges, see the reverse side far details, Cashback Bonus® Opening Cashbock Bonus Balance $ 71.59 New Cashback Bonus Earned + 0.00 + 0.36 Cashbock BonuOAnniversa Cashback Bonus Balance $ 71.95 _ _ _ .. _ - - • - - - - Avaik& f6 lredaem O:OOF Date: July 5 How Can We Help You? ? , . visit A covercom to pion your bill! for et, sear latest Account information, earn and redeem sand more Ctrs our choice - 3 ways to hel 2. Call 1-800-DISCOVER (347-2683) for fast, easy sAF-service y p options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, ! For TDD (assistance for hearing impaired see reverse side i Salt lake City, LIT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date i hlercirarrdise/RetaA Oct 7 Oct 7 THE HOME DEPOT A120 MECHANICSBURGPA $ 33.59 Other/Miscellaneous Nov 5 Nov 5 LATE FEE 35.00 Nov 5 Nov 5 OVERLIMIT FEE 35.00 Gras/Automotive Oct 15 Oct 15 AMERADA HESS CORP MANHEiM PA 20.55 Oct 31 Oct 31 PENSKE TRK LSG MD BALTIMORE MD 89.26 Information For You xxxxxxx ATTENTION xxxxxxx ATTENTION xxxxx xx ATTENTION xxxxxxx ATTENTION xxxxx:x 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 i IBa antes Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7609.88 0.06847% 24.99% F 24.99% $161.53 none Cash Advances $1957.20 0.06847% 24.99% F 24.99% $41.54 $0 r The rates that apply to your Account are either fixed )F) or they may vary M as noted above. Important Information. H there is more than one page to this billing statemenL see the back of each page for additional Important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. o Lost or stolen cards. Report immediately! Call 1-800-947-2683, in Rights Summary. In Case of Errors or Oueslions About Your Bill: If You think our bill is wronga, or if you need more information about a o t?nsacU Your bill. write us on a separate sheet of paper at Discover Card; PO Box D30421, Sall Lafce City, UT 84130.0421, as soon as possible. We must hear from you no later than 6U days after we sent you the first big on which the error or problem appeared. You can telephone us,lbut g 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 Yo u080 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 take any action to collect the amount you question. Spectral Rule fw CmM 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 merchanL You ma not have to pay the remaining amount due on the goods or services You have this protection onp when the purchase price was more than S5g and the purcTlIse was made in your home state or the nods 100 miles of your mailing address. (H we a n 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. 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 YYoouur account at the financial institution indicated on our check or to process the payment as a check transaction. If pa ment is processed as an a ctfontc fund transfer, the transfer will be for the amount of the check When we use information from your check to mike an electronic fund transfer, funds may be withdrawn from your A you ayment and you will not receive your check back from your financial institution. account as soon as the same day we receive your p The processBgp of your payment mayY be delayed send rash, correspondence of other gems with r paymen( if ou send the payment to any other address or of you use an erivMope oDner than the one provided Payments received on or of er 1 PM Monda?throu h Friday or on a weekend or bank hotidaYy wiN be to your Account as of the next business day. If you have, misplaced your envelope, send ur-payment to Discover-Bank , PO Box 6103, Cargf Stream, IL 60197.6103.- Please allow 7.10 days for delivery. IT your payment is returned unpaid, we reserve the rrphl to resubmit it as an electrbf c debit You can pay Your minimum payment or a greater amount over the telephone, and you can set up automatic payments. our us at 1- oun? and ail You will need is statement. and your bank account information. You must ensure at sufficient funds are avan bit in y 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 ng to this authorization to allow us and your bank to deduct each payment you authorize numbers as your ekcUonk signature, you will be ?grd[ from your ba nk accoun( and Io liafe debt or en(n paent Yost tell us the ant ot each paw eah statemet. Y Can can ou l u uay noliry us by phone al .80037683 or by you on each monthly statement weyour payml he made and now much rt. will tie Your Automatic payment amount may be less than 'n" led on the monthly statement based on credits or payments applied during the billing cycle. CreM Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting wenches each add W mingtlofn DE 19850.5316 WPleaese i onclude your name, adi drt ss. hoome ttelephone numbernand IAccccount number Discover Classic Card, PO Box 15316, Periodic Finance Charps. Except as provided below, we will impose Periodic Finance Charoas on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of ether purchases and cash advances made on or pnor to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the "prace period". You do not have a race period on balance transfers or cash advances Periodic Finance Charges are imposed on new balance UansTers and cash advances Degmninppwith the date the transaction occurs Periodic Finance Charges are unposed on alp transactions and Did Balances until the date of repayment Repayment means pa nt of your entire New Balance. However if you pay the New BalanLa shown on this billing statement the Payment Due Date, and the Payments and Credits shown ill not impose Period Finance Charges on new Gurchaus, that purchases first on this statement equal or exceed the Previous Balance we w , aboearino on this statement H your Account was cloud as it. (t) September 27,111 or (il)_AUgust 31,2001 anC-was formerly, a Discover® Prime r exceed your ne4iuus Baiel,[e. Otherwise, you will receive a Dillnng statement next date of repayment s, cash advances, balance transfers and Old Balances (which we refer to as transaction nice x number of days in the billing period x Daily Periodic Rate. (Rate( to the finance ruts.) Then we add all the Periodic Finance Charges for each transaction cater, to e Average Daily Balance is shown as 0 t no Periodic Finance Charges apply o"the new transactions) method of calculatin0 the balance upon which we impose Periodic to an in the DIY on Charges which are added to the cash advance transaction category and Balance-Transfer Transaction Fee Finance charges which are a balance transfer transaction caleeppopryry If a transaction made in a previous pd8ng period Is itemized on this statement, we consider the date to be the first day of the Curren T billing period when we calculate your Periodic Finance Charges. For TOO (Telecomtmndealions Devise for the Deal) assistance, please can 1-800-347-7449. The Discover Classic Card is issued by Discover Bank, Member FDIC New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $9,287.70 $207.00 Enter Amount Enclosed Below CARD $L Payment Due Date January 4, 2004 p?m make check payable to Discover Card or pay online Q Discovercard.com. 05 SDSN6A01 0003553 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 Ill 151111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ??u?n??u??u???u??????n?u above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625092877000000000020700 Discover Card Account Summary Closing Date: December 5, 2003 page 1 of 1 :Account number ending in 9362 Previous Balance $9,821.48 'Payment Due Date January 4, 2004 Payments And Credits 1,000.00 Minimum Payment Due $207.00 Purchases + 271.25 :Credit limit $9,500.00 Cash Advances + 0.00 'Credit Available $212.00 Balance Transfers + 0.00 `Cash Credit Limit $4,800.00 Finance Charges + 194.97 Cash Credit Available $212.00 New Balance $9,28770 You may be able to avoid Periodic Finance Charges, see the reverse side for details. -Cashback Bonus® Opening Cashback Bonus Balance $ 71.95 New CaAbock Bonus Earned + 0.00 + 0.68 Cashback Bonuae Anniversary - - - - - - - - - - Cashkadc. Bottu; Bplatlce ------------ $ ----- 72, Date: July 5 Avafitibte to Redeem $ 60.00 ;CONGRATULATIONSI Now that your award its $20 or more, you can redeem it in $20 increments by calling 1-877-YOUR-AWARD or by kVg'mmgg into the Account Center at ?Discovercard.com. How Can We Help You? P 1. visa Diiscover corn to pay your bi for no cam view r latest Account information, earn and redeem rewards and more i It's your choice - 3 ways to help 2. Can 1.800-DISCOVER (347.2683) for Fast, easy 3964orvice Pkxue have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, ;For TDD (assistance for hearing impaired) we reverse side Safi Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dais Date 'Payments and Credits Nov 6 Nay 6 INTERNET PAYMENT - THANK YOU $ -500.00 Dec 2 Doc 2 INTERNET PAYMENT -THANK YOU -500,00 ..!4*VAstomotfve --------Nov 12--Nov-12-PENSKETRKMMDBAETLMfX2 B-- --------- -9Y?-14____.. Dec 3 Dec 3 PENSKE TRK LSG MD BALTIMORE MD 106.11 ,'Finance Charge Summary Average Daily Nominal ANNUAL Transaction ANNUAL Periodic Fee ify P entodic PO AGE PERCENTAGE FINANCE FINANCE B R ? CHARM icurre t billing period: 30 days I ;Purchases $7493.18 0.06847% 24.99% F 24.99% $153.92 none jCash Advances $1998.48 0.06847% 24.99% F 24.99% $41.05 $0 ;The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Please note, the Traditional Cashbock Bonus owwd is now called the Purchase Cashback Bonus award Important information. 9 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 in Lost or stolen cards. Report immediately. Call 1-600-347-2663. Z Blging Rights Summary. In Case of Errors or Oueslions About Your Bill: If think your bill is wrong, or it You need more information about a c transaction on your Dilf, write tat on a separate sheet of paper at Discover Grd; PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 6U days, after we sent you the first bill on which the error or problem appeared. You can telephone us,'bul o doing ao will not preserve your rights. In your tter, give us the following information: -Your name and Account number. N -The dollar amount of the suspected error. -DDessccrSt ibe 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 You 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, wa 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 seances 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 ppaay the remaining amount due on the s 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 vin bin 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 61 the amount or location of purchase.) Payments. Send only your payment and the lop portion of this statement in the envelope provided. Do not send cash By sending your check as described above, you authorize us to use information a indicated on your check or to process the payment as be for the amount of the check When we use intormr account as soon as the same day we receive your paYr The processing of your paymbnl fT tx delayed 6B any other address or tt you use an a lope other th weekend or bank holidayY will be ed to your Accoi Discover-Bank, PO Box 6103, Carol Stream, IL 60197.6 rightuto resubmit it as an electronic debit Yo can pa minimum W nt. or a greater an You will need thistar;latementand your Dank account h transactions must comply with U.S. low. You will be numbers as your electronic signature will be ago tied from Your Dank account and to initiate debit or oavmanl You must tell us the amount of each nantme on the monthly statement DOUG on Crean of n electronic fund transfer from Your account at the financial institution W nt is Wocessed as an electrmnic fund transfer, the transfer will make an electronle fund transfer, funds may be withdrawn from your ceive your check back from your financial institution. ndence or other Items with ur pa nt. if you send the payment to Payments received on or aftYoer 1 Pa Monday tin) .,h Friday or on a ass dal . If you have, misplaced your epvebpe,.sen yovr-payment to days for delivery. If your payment is returned unpaid, =payment the and You can set up automatic paymcols Call us at 1.800.347-2683. isure that sufficient funds are available in your bank account and all rst 5 digits Of your account statement zip code. By entering those n to allow us and gYoour bank to deduct each payment you authorize account as aoolkabk. to correct an error in the Drocessmg of such Credit Reparting• We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on our account may be reflected in your credit report. We normally re the status and payment history of your Account to credit reporting agpencies each incom te, please write us at the following address: Discover Classic Card, f !J Box 15316, month. If Vyopuy beg that our report is inaccurate or Wilmington"DE 19850-5316. Pleas6 include your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the tlate the transaction occurs until the date of repayment and on Old Balances until the dale of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billin statement on which the urchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call Phis tie "orate period-. You do not have a grace period on balance transfers or cash advances Peniodic Finance Charges are imposed on new balance transfers and cash advances bednnW with tie dale the transaction occurs. on this statement equal of exceou the rrevous valance we will not impose reriumc ra appppeearingg on this statement 9 your Account was ci>ser( as of. (i) September 27,1999; or Op"lion. Uscover National Alliance for Specks SurvivalO or Universal Studios Account m Smitnsc^ien A count, You cap a. d payment qr fpilodic, Finance Charge; if_y"j prey the P ira a and die Pa his and Crt2S on this statement equal or exceed your rievruus Bali month that Includes Periodic Finance Charrgoees imposed until the date of repayment We coin le Periodic Finance Charges ,efich dally for purchases, cash advances, balance tr; Categories by using the following equation: Average Daily Balance x number of days in the charggee summary on the front of your statement for these amounts.) Then we add all the gel the total Periodic Finance Charges for your Account The Average Daily Balance is balance in a transaction category. We use the two-cycle average daily balance (including new transactions) method o Finance Char es. This means it you did not pay the New Balance shown on the billing sit the Payment?a Date, we will impose Periodic Finance Charges on new purchases That purchases that first a car on this billin statement unless we alreaddyy imposed Periodic F Statement We COMM the average. dally Wlance for eoach Uansabtion category by ai transaction category and dividing the otal DY th lumbar f days in the billing cycle. We on each dally bon adding the fdkwingy to fie previous day's daft' balance: transactions r Charges acXrubd on the previous day's Gai balance; and b}I then subtracting any credits transaction callow on that dally. In calcu%Ung the daily balance for the previous billing have been 0 on lie first 60Y of the billing pe wise, you Will receive a Dining statement next Old Balances (which we refer to as transaction od x Daily Periodic Rate. (Refer to the finance ante Charges for each transaction category to 1 9 no Periodic Finance Charges appty io the g the balance u n which we impose Periodic rec..d dune he previous billing period by red on that bi mg statement as well as new rges on the purchases on your previous billingg 0 the daily balances in a billing period for a he daily balance for each transachon category aY, fees charged that day and Periodic Finance nts that are applied against the balance of the consider the previous day's daily balance" to in the try on balance transfer transaction caleppry If a transaction made in a previous billin period Is ite date to be the first day of the current billing period when we calculate your Periodic Finance Cr For TOD (Telecommunication Device for the Deaf) assistance, please call 1-800.317-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. on New Balance Minimum Payment Due DISCOVER $9,086.76 $202.00 CARD Payment Due Dafe February 4, 2004 05 SDSN6A010003554 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Phase make check payable to Discover Card or pay online Q Dismvercard.com. Win your payment get to us on time? Pay your Cur online and your payment can be made to your account on the same day. Visit Discover.cem/payments today. PO Box 71084 (lltrslllttllrrttltlttlrlt CHARLOTTE NC 28272-1084 Address,!-mail or telephone change? Print change in space lllltllt111111711111111111111111III IIt Illlltlllill lilt/1111111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625090867600000000020200 --------- -------- Discover Card Account Summary Closing Date: January 5, 2004 page 1 of 2 i Account number ending in 9362 Payment Due Date February 4, 2004 Minimum Payment Due $202.00 Credit Limit $9,500.00 Credit Available $413.00 Cash Credit limit $4,800.00 Cash Credit Available $413.00 Previous Balance $9,287.70 Payments And Credits 500.00 Purchases + 100.60 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Ch es + 19846 New Balance 9,086.76 You may be able to avoid Periodic Finance Charges, see the reverse side (ix details i CoshbaCk Bonus® Opening Cashback Bonus Balance $ 72.63 New Cashback Bonus Earned + 0.00 + 0.25 Gastlbeack-BonuAb-Anniversary --- - --------- ' --------- Cashback_Bonus Balance $ _ _ _ _ 72.88 _ _ _ - - . . Avair" tn-Ridiii - - - - - - $' 66.00 Date: J 5 CONGRATUTATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by calling 1.877--YOUR-AWARD or by logginrgg into the Account Center at D d iscovercor .com. How Can We Hem You? p 1. Visit Discover eme to pay yaw hill for no cost "ie" your latest Account information, earn and redeem rewards al d more It's your choice - 3 wcrys to help 2. Call 1.800•DISCOVER (347.2683) for fast, easy wlfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trons. Post Date Date Payments and credits Dec 31 Dec 31 INTERNET PAYMENT -THANK YOU $ 500.00 i Gas/Automotive Dec 13 Dec 13 PENSKE TRK LSG MD BALTIMORE MD 75.17 _; - ---------------Dec-3t--Dec 31 - -TRbkt4GEE CAftWASH-WEfAECHANitSBUR©Pk-----------25.43--:- -. Information For You Please rate, the Traditional Cashbook Bonus award is now called the Purchase Cash6ock Bonus award. Lock Your CD Rate Todayi Move fast to lack in your CD rate with Discover Bank's fast, free and secure Electronic Deposili It's the easy, safe way to add funds to a maturi nngg Discover CD or fund a new CD directly from your bank account. Just call 1-800.347-7000 and mention code: SCI 103PC.Member FDIC. Important Information. It 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. o Lost or stolen cards. Report immediately! Call 1400-347-2663. U) B1Ift Rights Ssrmmary. In Case of Errors or Questions About Your Bill: If think your bill is wrong, or it you need more information about a o transaction on your oil(, write us on a separate sheet of paper at Discover Card; PO Box 30421, Salt Lake City. UT 64130.0421, as soon as possible. We must hear from you no later than 6g days after we sent you the first big on which the error or problem appeared You can telephone us,1but doing so will not preserve your rights In your letter, give us the following information: 0 Your name and Account number. -Tine dollar amount of the suspected error. -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure ouL v Youhdo 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 any action to collect the amount you question. Special Rote for Credl 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 goal faith to correct the problem with the merchant 1Yrou maYy not have to ppaay the remaining amount due on the goods or services You have this protection only when the purchase prase was more than S 0 and the purchase was made in your home state or within 100 miles of your mailing address (if we own or rate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, your 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. N pa menl 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 payrrienk and you will not receive your check back from your hnancial institution. The processing of your payment may be del&y? d snnd cash, correspondence or other items with your pa nt, if ou send the payment to any other address or g you use an errvebpe Doter than the one provided Payments received on or after 1 PFI Monday through Friday or on a weekenor bank holidaDC to r Account as or the next business day. If you have misplaced your epvelope,_sendyo qr-payment to Discover-Bank. PU Box 614!C arol Stream, r 60197.5103. 'Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit Ya can pay )ur minimum payment. or a greater amount over the telephone, and you can set up automatic payments. GII us at 1-600-347-2603. You will need this state men 1, and your bank account informal=. 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 with be agreeing to this authorization to allow us and your bank to deduct each payment you authorize nnm anru hank a--1 and to inill . debit or credit entries to vour bank account- as aoaicable. to correct an error in lore processing of such may null us by phone at 1-euu-34t-zoa3 or oy man at allures nsreo in me previous pare apt. n yw p. gKnr. g -<,y ....,, .,, you on each monthly statement when your payment will be made and how much it wgl e. Your Aulom tic payment amount may less than ndicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may repot information about your account to credit bureaus Late payments, missed payments, or other defaults on your account ma be reflected in your credit report. We normally re rt the status and payment history of your Account to credit reporting agencies each month. if You befir that our repot is inaccurate or m please write us at the following address Discover Classic Card, PO Box 15316. Wilmington- DE 19650-5316. Please Include your name, address, home telephone number and Accou7rt number. Periodic Fbrance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Did Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Curchase first ars by the Payment Due Date, and the Pay?nta and Credits on that statement equal or exceed your Previous Balance. We call this the "orace Period". You do not have a grace period oA balance transfers or cash advances. Periodic Finance Charges are imposed on new f you pay the New Balance shown on or exceed the Previous Balance. we in a or exceed your FreJxws Balance. Otherwise, you will receive a billing statement next to date of repayment ;es. cash advances, balance transfers and Old Balances (which we refer to as transaction ante x number of days in the billin period x Daily Periodic Rate. (Refer to the finance ounts.) Then we add all the Peri ie Finance Charges. for each transaction caleppay to 'he Average Daily Balance is shown as 0 d no Periodic Finance Charges apply -t0 the new on it rate balance transfers and Balance nce transfers that were subject to an credit limit are also Included in the trice transfer transaction category on nance Charges and balance transfers purchase transaction .category h Advance Transaction Fee ?Inance rice Charges which are added to the dement we consider the transaction we calculate your For TO (Tekeommwdcalbm Device for the Deaf) assistance, please call 1-900.947-7449. The DiscoverO Classic Card is issued by Discover Bank, Member FDIC. DISCFit MCLAIN, ROY C DISCOVERAccount number ending in 9362 Brighter. CARD Discovers Card ranked "1 in Customer Loyalty-for 11 years in a rows "I've never been so impressed with a company that has looked out far my well-being with timely reminder, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life.' James T. Clevelond, Ohio Experience it for yourself at Discow com *Aooording b die 2008 srand Keys Cud.- t%vhy Engagamad Report 01008 onnnrer Bonk, Manlier FDIC (losing Dab: January 5, 2004 page 2 of 2 ;Finance Charge Summary Nominal Transaction D ly Pa ANNUAL PwkKk F aily erio dic Balances Rates RATES RATES CHARM CHARGES .current billing period: 31 days Purchases $7309.73 0.06847% 24.99% F 24.99% $155.15 none Cash Advances $2040.64 0.06847% 24.99% F 24.99% $43.31 $0 The rates that apply to your Account am either fixed (FJ or they may vay M as noted above. QueStloflS? Manage your account at Discovercom or call 1-800-DISCOVER (1-800-347-2683). DISCOVER CARD New Bakmce Minimum Payment Due $9,741.95 $419.00 Payment Due Date March 4, 2004 05 SDSN6A01 0003555 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card. You are oven$mit. Pay the sum of the monthly minimum payment plus the ovedimit amount of $241.95. Will your payment get to us on time; Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 ?llrrrllrrsllrrralrlrrlr1r CHARLOTTE NC 28272-1084 Address, e-mail or telephone change; Print charge in space )If )r))111111111)1111rr)r)ruO))ur1nn{rr)rr)1n1re)nr1n1rr11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625097419500000000041900 Discover Card Account Summary Account number ending in 9362 Payment Due Dale March 4, 2004 Minimum Payment Due $.419.00 Credit Limit $9,500.00 Credit Avoilable $0.00 Cash Credit limit $A,800.00 Cash Credit Available $0.00 Closing Date: February 5, 2004 page 1 of 2 Previous Balance $9,08676 Payments And Credits 0.00 Purchases + 454.50 Cash Advances + 0.00 Balance Transfers + 0.00 Finanas Charges + 200.69 New Balance = $9,741.95 You may be able to avoid Periodic Finance Charges, we the reverse side for details. `Cashback Bonus® Opening Cashback Bonus Balance $ 72.88 New Cashback Bonus Earned + 0.00 + 1.28 Cashback Bonus® Anniversary -- _ Cashbock Bonus Balance $ 74.16 - AvailubW fo ltredeetrt" 1J.0? .... _ _ .. . Date: July 5 ;How Can We Help You? I . Visit DiscaMx corn to pay year bi for no cost view your p lamest Account information, earn and rodeem rewards and more 'It's your choke - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Jan 6 Jan 6 OFf1CEMAX 39 MECHANICSBURGPA $ 10.55 Jan 8 Jan 8 THE HOME DEPOT 4120 MECHANICSBURGPA 51.11 Jan 19 Jan 19 THE HOME DEPOT 4120 MECHANICSBURGPA 208.33 Other/Miscellaneous Feb 5 Feb 5 OVERUMIT FEE 35.00 Feb 5 Feb 5 LATE FEE 35 00 Gas/Automotive Jan 13 Jan 13 PENSKE TRK LSG MD BALTIMORE MD 78.25 Services Jan 9 Jan 9 DUTY'S LOCK & KEY CAMP HILL PA 14.84 -'Supermarkais----------- Jana} ---Jan 9 - -GIAW-FOOB-STORES MECHAWSBURGPk---------- 21 d2 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. ATTENTION •••*'** ATTENTION "**•*•* ATTENTION ******* ATTENTION **'•'*' :ATTENTION * * * * * * * Your account 13 past due. Please pay the past due amount now, or contact us to make other 1 arrangements. Lock Your CD Rate Todayl Move fast to loch your Certificate of Deposit interest rate with Discover(k) Bank's fast, free and secure CD Electronic Deposits ft's the easy, safe way to add funds to a maturing Discover CD or fund a now CD directly from your bank account. Just call 1.800.347-7000 and mention code: SC0204PC. Member FDIC. Important Information. It 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 0 Z Lost w stolen cards. Report immediateyl Call 1-800-347-2683. N BI" Rights In Case of Errors or Questions About Your Bill: IfCathink your bill is wrong, or it you need more information about a o transaction on your Oil write us on a leGaiate sheet of pa Ref all Discover nt; PO Box 30421. Sall La a City, UT 84130.0421, as soon as possible. o We must hear from you no later than 6D 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. w .Dpepsc?r?ibe 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 Yod dot 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 ke any action to collect the amount you question. Special Rude for Credit Card Pumhues: Uypu 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 NO problem with the merchant You maYy not have to pay the remaining amount due on the ggoods or services You have this protection onlNy when Ute purchau Price was more 1Dan S50 and the purchase was made in your home state or within 100 miles of your mailmaa address. (U we orYn 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. 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 yyoour 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 ardount 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 paymenL and you will not receive your check back from your financial institution. The processing of your payment ma De degg iT you send cash, correspondence or other items with Your paYmend if ou send the payment to any other addr ess or it you use an erivebpe o[ner than the one provided. Payments received on or after 1 PM MondayYthrough 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 envelppe,_send. yatr.payment to Discover Bank, PO Box 6103, Carol Stream IC 60197-6103. Please all6vi 7=10 days for delivery. It your payment is returned unpa. _ we reserve the right to resubmit it as an electronic debit lion can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1-800.347-2683. You will need leis 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 ekcUonk signature, you wait be agreeing to Nis authorization te allow us and your bank to deduct each payment you authorize from r bank account and to inilNfe debit or credit enures to your bank accoun`` as applkabk to correct an errs in the procemng of such Pa nt You must te8 us Ne amount d each payment d you can select an amount such as Ne Minimum Payment Due or the New Balance on each statement You can cancel a nL however we mull receive notice al least Wee business days in advance ot the scheduled payment. Vou may notifyy us by ptrone at 1-800.347-2683 or by mail at address listed In the previous parag9raph. If your pa ends may vary in amounl?we will tell you on each monthly statement when your payment w81 De made and now much it writ fie. Your Automatic payment amount may less than 'noicaled on Ne monthly stalemnenl baud on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit . report We normally report the status and payment history of your Account to credit reporting agencies each month. If You believe that our report Is inaccurate ame addpress, nanektek write us at the following address Discover Classic Card, PO Box 15316, Wilmington-DE 198050.5316. Please Include your phone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old glances until the data of repoymenl OItl Balances are comprised of either purchases and cash advances made on or prior ta the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid nt of Periodic Finance Charges on new purchases if you pay the New Balance shown on the D81ing statement on which the Gurchase first a rs by the Payment Due Date, and the Payments and Credits on that statement e Val or exceed your Previous Balance. We call this the 'pora?a period". You do not have a grace period on balance transfers or cash advances Periodic Finance Charges are imposed on new balance U3nsfers and cash advances beginninp with ine date the transaction occurs. Periodic Finance Charges are imposed on alt transactions and bad Balances until the date of repayment Repayment means pa nt. of your entire New Balance. However if you payy Ne New Balance shown on this DflOng statement 11 the Payment Due Date, and the Payment and Credits shown on this statement equal of exceed the Previous Balance we will not Ifilpose Periodic Finance Charges on new purchases, that is purchases first .......... It. k Nal.-.1 d wurr anrxrunr was closed as Of III September 271999: or hit Auou 31.2001 and was formerly a biscover® Prime i the Pa melifs and torus 011 Oils slateinent equal Or exceed yuul irieviuus Bal bed. Otherwise, you will receive a billing slalemeul next hat Includes Periodic Finance Charppe5 Wnposed in Ne date of repayment m le Period k Finance Charges.eich day Iw purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction by usmg the tdkwing equatlan: Average Daly Balance x number d days in the DlllinA period x Dally Periodic Bale. (Rotor te Me finance ummarryy on the front of Wur statement for these a nls.) Then we ads all the Periodic finance Charges, for each transaction calegay to trial PBrion Fi Charges for your Account The Average Dairy Balance is shown as 0 if no Peratlic Finance Charges apply to the m a transaction category . se Ne two cycle a _ rage tlaiN baance (inclutlingo new transactions) method d calculaUng in. balance upon which we impose Periodic Charges ThK means you did rtd pax Ne New Balance shown on Ne bilhnD sUUrnent you received dunng the previous billing period by •u.i ,. ital. w. win ..mew wd.rl' Fimnn! Chores nn new nurehases hat first aDDearetl on Nat bilmd statement. as well as new Charges accrued on tno revlous days wt. Manse; amp oy uien suouacumg any [reat45 dill Paynrmiu rim .... ...? wy.,,,„ "....,.. ?. , .". transaction categoY on t at de .. In Baku Ung the daily balance for the previous billing period, we consider the previous day's daily balance" to have Deen 0 on lid rxsl day of the b0linp period Old Baances are excluda0 from the Da'gntt of the purchase and cash advance transaction categories Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were sub act to an initial special rate Nat has been terminated due to a tale payment or because you exceeded Yoeur Account credit limit are also Included in the category until the tndtul speci al rate otherwise would have expired. In cakulaUng the daily balanc of Ne balance transfer lransactwn category on th e us day d me W ' period, we subtract the unpab balance d Nose Balance Transfer Transaction Fee Finance Charges and balance Uansters that become DDuurchasa race Nknu Uansters on Nal da and we adtl Nat unpaitl balance to the Wtance d the purchase Uansaction,caledoN All tees enarge0 to your Account are added te Ne rchase lrarhsaclwn ?alegery wth the exception d Cash Advance Trensacton ee Finance Cnarpes wnicn are added to Ne cas W.C. h adtrensac' calegay and Balance Transfer Transaction Fee Finance Charges which are added to the balance if Fitr transaction calapopryry is transacton made in a prcwous billing period K itemized on Nis statement we consider Ne transaction data to be Ne first day d the current dlhng Per. when we calculate your Periodic Finance Charges. For TDD (Tekrnmmurdcetlom Device for the Deaf) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISC*VEk MCLAIN, ROY C DISCOVER Account number ending in 9362 CARD er4ter Discovere Card ranked #1 in Customer Loyalty--for 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless stalements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." lames T.-Cleveland, Ohio Experience it for yourself at Discover com *Acmrdeg to dw 2008 &oed Keys Cuaw- Loyally &g%-- k%6 Rgw" . 02008 Discover sank, Member FDIC Closing Date: February 5, 2004 page 2 of 2 FREE Additional Cards allow, you to share your credit line without sharing your card! Request FREE Additional Cards for your spouse, kids, or anyone close to you. You'll get a lot more out of your credit linel Just call 1-800.347-5537 or visit 'Dixovercord.com today. Discover(R) Financial Services is proud to support Communities In Schoob (CIS), the ration's leading community-based organization that helps kids succeed in school and prepare for life. By donating your Coshback Bonus(R) award to CIS, you can help make a difference in the lives of young people. To loam more, please visit Discoyercard.com. ;Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Tronsoctm Periodic Fee Daily Periodic PEIKENTAGE PERCENTAGE FllgANa Bok6c Rates RATES RATES CHOGES S? Current billing period: 31 days Purchases $7371.02 0.06847% 24.99% F 24.99% $156.45 none !Cash Advances $2084.40 0.068:47% 24.99% F 24.99% $4424 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as rated above. Questions? Manage your account at Discaver.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $9,250.97 $206.00 Enter Amount Enclosed Below CARD Payment Due Date $ 1 __71 April 4, 2004 Please make check payable to Discover Card or pay online 0 Discovercord.com. 05 SDSN6A01 0003556 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your bill online and your payment can be made to your account an the soma day. Visit Dixoveremm/payments today. PO BOX 71084 1112111111111111 mill Isle pill1i CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )nldlu?ru)r??ur?u?n)url)Ilnrla)n?n??nlnlnlilu?? above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458271370625092509700000000020600 Discover Card Account Summary Closing Date: Mardi 5, 2004 page 1 of 2 Account number ending in 9362 Previous Balance $9,741.95 i Payment Due Dads April 4, 2004 Payments And credits - 1,000.00 Minimum Payment Due $206.00 Purchases + 320.92 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $249.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Penance Charges + 188.10 Cash Credit Available $249.00 Nov Balance = $9,250.97 You may be able to avoid Periodic Finance Chagas, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 74.16 New Coshback Bonus Earned + 0.00 + 1.46 -Gashback Bonus®-Since Anniversary-Date- - - - - - - .. _ _ - .. _ Cashback Bonus Balance-------- 75.62 Avai6ble to R""i $ 66. of -My 5: $5.84 f CONGRATULATIONSI Now that your award is $20 or more, you con redeem it in $20 increments by lagging into the Account Center at Discovercard.com or by calling 1-877-YOUR-AWARD (1-877-968-7292). How Can We He( You? P 1. Visit Discover can to pay yaw 1A for ne cost viewya'r lobst Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call i-8004DISCOVER (347-2683) for fast, easy selfaervics Please have your Discover Cad available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud LFabiliy Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Feb 23 Feb 23 PHONE PAYMENT - THANK YOU $ -1,000.00 Feb 27 Feb 27 INTERNET PAYMENT -THANK YOU .800.00 ..__._---_____-_Mat__4--- Eeb27-_ REILlBNED1N1ERNETJA1 1_.. -._------------------- Other/Miscellaneous Ma 4 Mar 4 FEE FOR RETURNED ACH PAYMENT 29,00 Gas/Autanative Ma 1 Mar 1 PENSKE TRK LSG MD BALTIMORE MD 128.52 Mar 1 Mar 1 PENSKE TRK LSG MD BALTIMORE MD 78.03 Ma 1 Mar 1 PENSKE TRK LSO MD BALTIMORE MD 85.37 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashbacc Bonus award. Did you know that millions of credit cards are lost or stolen every year? The Register(R) safeguards all your credit, debit and ATM cards for less than five cents a day. Call 1-800-347-3395 to enroll in our 3-year $45 Deluxe Service. CALL FOR EXCITING NEW BALANCE TRANSFER RATESI Save money and simplify your life by consolidating your debt. Call 1-877-353-0985 today to see if an offer is available for youl Important lofarmation. If there is more than one page to this billing statement see the back of each page for additional important information. See yaw Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. U) Lost or stolen cards. Report immediately. Call 1400-347-2683. m 804 Rights Summary. In Case of Errors or Oueslions About Your Bill: If think your bill is wrong, or it you need mote information about a c transaction on your big, write us on a se rate sheet of paper at Discover arc; PO Box 30421, Salt Lake City. UT 84130.0421, as soon as possible. We must bar from you no later than 60wdayi, after we sent you the first bill on which the error or problem appeared You can telephone us,lbut g doing so will not preserve your rights In your letter, give us the following information: w Your name and Account number. N -The dollar amount of the suspected error. w -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure Youptlo 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 ake any action to collect the amount you question. Special Rule for Credll 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 YYou mayy not have to pay the remaining amount due on the ooods or services You have this protection only when the purchase price was-more lhan $ ( and the purchase was made in your home state or w, in 100 miles of your mailing address. (If we awn or operate the merchant or of we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 atl the financial institution indicated on Your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund ransfer, 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 pa nt and you will not receive your check. back from your financial institution. The pioc of your payment may be defayeetld t ru send cash. Correspondence or other dams with blyour pitnt if send the payment to any other add or if you use an envelope tither Nan the one provided. Payments received on or after 1 PIA MontlayYou rouBBh Friday or on a weekend or oink holiday will be posted to Your Account as of the next business day. If you have, misplaced your envelope, _send Vour_payment to Discover Bahk PO Box 6103, Carol Stream, It 60197.6103. Please all6W 7.10 days for delivery. If your payment is returned unpaid, vie reserve the right to resubmit K as an electronic debit. You can pay your minimum pa nt or a greater amount over the telephone, and You can set up automatic payments Call us at 1-800-347.2683. You win, need Nis statement, and your bank account information You must ensure Thal sufficient funds are avatlable in your bank account and all transactions must compy with U.S. law. You wig be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you wits he agreeing to the authafzaUOn to allow us and your Dank to deduct each Daymenl you authorize from your Dank account and to mi0afe debit or cr" en4xn W your bank account as appncabk to correct an error in the processing of such payment you must lei us lha amount of each payment or can select an amount wch as Ne lArnimum Payment Due or the New Balance on eacD slatament You can cancel a meet however we mUSl receive pollee al least three business tlays in advance of the scheduled payment, You may notify us Oy phone at 1-BOg•347-2883 or by maK al address listed m the previous paragraph. It your paymants may vary in amount via wart tell you on each moi,thly statement when your payment will be made and how much it wNl De. Your Automatic payment amount may a less than nduca1, on the monthry statement based on credits or payments applied during the Dilkng cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agences each month. If yoy bell" that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PO Box 15316, Wilmington-DE Igo 0-5316. Please Include your name, address, hone telephone number and Account number. Periodic Finance ChoTs. Except as provided below, we will impose Periodic Finance Chafes on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Ba antes until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing. statement on which the Durchase first appears by the Payment Due Oats, and the Payments and Credits on that statement equal or exceed your evious Balance. We call Nis the "Grace period". You do not have a prace period oD balance transfers or cash advances. Periodic Finance Charges are imposed on new Wla nce transfers and cash advances b;nnIrF 4, the date the transaction occurs. Periodic Finance Charges are imposed on at transactions and Old Balances until the dale of repayment Repayment means W nt. of your entire New Balance. However N you pay the New Balance shown on this billing statement b,yy (he Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance we will not impose Periodic Finance Charges on new purchases, that is purchases first aDDeanno on this statement if your Account was closed as DI (i) September 27,1999; or (ii) August 31,2001 an_ was formerly_ a biscover® Prime dare and tare Pa moms and Liedits on this statement equal or exceed your rievwus Nanamiee. txnerwise, you will receive a Cluing statement next month that inc.u. Periodic Finance Charges imposed until the date of repayment. We com to Per'wdic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories by using the following equation: Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (Refer to the finance charge su rryy on the front of your statement for these amounts.) Then we add all the Periodic Finance Charges for each transaction calegpfry to gel the tl 6rlodic Finance Charges for your Account The Average Dairy Balance is shown as D it no Periodic Finance Charges appry, to Ne balance in a transaction category. We use the tyro-cycle wera a dairy balance (Ncludin0 new transactions) method of calculating the balance upon which we impose Periodic Finance Chat Thk means K y?u did not pay the New gal nee shown on the billing statement you received during the previous billing period by he Payment ie Date, we with imppopse Periodic Finance Charges on new purchases that hrst cep antl on that bilmg statement as well as new purchases that first appear on this Diging statement unless we already imposed Periodic Finance barges on the purchases on your previous billing statement We compute the average dal Wlance for each transattion category by adding up all the dairy balances in a billing period for a transaction category antl dividing the total the number of days M the billing cycle. We coin ute the daily balance for each transaction category on each day DVTlrsl ousting the f 'lowing to he previous day s dairy balance: transactions made that dat. fees charged that day and Periodic Finance Chargpees accrued on the previous day's aatlV balance; and DY then subtracting any credits and payments that are applied against the balance of the transaction cat,%rY on that dayy. In calculating the dairy Wlance for the previous billing period, we consider the previous day's dairy balance" to have Want) on the lust lay of the CNNnp period Old Balances are exe.udea from the Wlance & the purchase and cash advance transaction categories Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the dairy balance transfer transaction category. Balance transfers that were suDlect t mo an initial sixecial rate that has been terminated due to a late Wvment or because You exceeded your Account credit limit are also Included the All fees Dnarged to your Account are added 10 the rcWae transaction cafe Cry WIN me exception or win Romance mransacuon roe rind Charges which are added to the cash advance tonsac n category and Balance ransfer Transaction Fee Finance Charges which are added to balance transfer transaction category If, a transaction made in a previous bill1:1 period Is itemized on this statement we consider the transac date to be the first day of the currehY billing period when we calculate your Periodic Finance Charges. For TOD (Telecommradeations Device for the Deal) assistance, please call 1-800-347-7449. The Discover* Classic Card is issued by Discover Bank, Member FDIC. D15C?VER MCIAIN, ROY C "¦= ?? Account number ending in 9362 DISCOVER CARD Discovere Card ranked #1 in Customer loyalty-far 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely reminders, papwiess statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T. develard, Ohio Experience it for yourself at Discovercom 4 *A=W&q b dre 2008 &wd Ken Cvow- Lw* ragogenent W- Report ®2008 oiscas Ronk. Member FDIC Closing Dote: March 5, 2004 page 2 of 2 7(y% of credit reports contain at least one mistake (Consumer Reports, January 2001). Enroll in optional ProfileProted(R), and we will send yaw credit report, monitor your credit Rte for changes every business day, and send you Quarterly Credit Updates - tools to help prated yourself from Wordity, theft. Call 1-877-737-1936 to enroll. -For a list of our great Cashbock Bonus(R) Partners, login to the Account Center at Discovetcard.com or call us at 1.877-YOUR-AWARD (1-877-968-7292). .Co paperlessl Elect to stop receiving your DiscoveriR) Cant statements by mail and receive them exclusively online, You'll get an e-mail notification when your statement is available online and a printable version of your statement far your records. :Visit the Account Center at Discovercard.com to enroll. Simplify and save with three easy ways to transfer balances to your Discover(R) Card. Call 1-877-353-0985 to see if a Balance Transfer offer is available For you, go to Discovercard.com or look for Balance Transfer checks in the mail. Finance Charge Summary Nominal Transaction Average Dotty ANNUAL ANNUAL Periodic Fee Daily Periodic POW15NTAGE PERCENTAGE FINANCE FNANCE 8°Iances Rates RATES RATES CHARM CHARM current billing period: 29 days 'Purchases $7345.32 0.06847% 24.99% F 24.99% $145.85 none :Cash Advances $2127.64 0.06847% 24.99% F 24.99% $4225 $0 The rates that apply to your Account are either fixed (F) or they may vary m as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800.347-2683). New Balance Minimum orn t Due DISCOVER $8,783.90 $196.00 CARD Payment Due Date May 4, 2004 05 SDSN6A010003557 MCLAIN, ROY C 5252 E TRINDLE RD NECHANICSBUR6 PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online 0 Discovercard.com. Wig your payment get to us on time? Pay your. bill online and your payment can be mae to your account on Nse some day. Visit Discover.com/paymeofs today. PO BOX 71084 111111 111111111 CHARLOTTE NC 28272-1084 Address, ea,ailortelephone change? Print change in space I,rlrllr,1,rrl,llr,rl,rl,lr,rlillr,ri„I„I,rll„Irrl,rl,l,rl) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625087839000000000019600 ------------- ---------- Discover Card Account Summary Closing Dote. April 5, 2004 page 1 of 2 - Account number ending in 9362 Payment Due Date May 4, 2004 Minimum Payment Due $196.00 Credit Limit $9,500.00 Credit Available $716.00 Cash Credit Limit $4,800.00 Cash Credit Available $716.00 Previous Balance $9,250.97 Payments And Credits - 800.00 Purchases + 145.96 Cash Advances + 0.00 Balance Transfers + 0.00 Financs Charges + 186.97 New Balance 8,783.90 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BOnus® Opening Coshbock Bonus Balance $ 75.62 New Cashbock Bonus Earned + 0.00 + 0.73 Cashback BomuseSince Anniversary Date - - . - - - - - - - - - - Cosh oclc Bonus Balance Mai16bbW to Kedeemm - - - - - - - - $ I- - - 76.35 - 611 0(f - - of July S: $6.57 . CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by logging into the Account Center at Discovercard.com or by calling ,I-877-YOUR-AWARD (1.877-968-7292). :How Can We Help 1. Visit Daeaver com to pay your bier for no 4a.t, taco your - P You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for lost, easy selfserviee options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impoired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credits Mar I 1 Mar 11 PHONE PAYMENT -THANK YOU $ -800.00 merchandise/Retail Mar 8 Mar 8 LOWES 405 MECHANICSBRG MERCHANICSBRGPA 8.46 -`--- - ------------- --- Mar4--- Mar9---LOWES405-MEGHANICSBRGMERC+M CSBRGPA-- ------- 5.28----- Ga/Automotive Mar 5 Mar 6 A E. B AUTOMOTIVE MECHANICSBURGPA 28.57 Mar 5 Mar 6 SUNOCO MECHANICSBURGPA 22.80 Mar 9 Mar 9 PENSKE TRK LSG MD BALTIMORE MD 80.85 Information For You ' Please note, the Traditional Cashback Bonus award is now called the Purchase Cashbock Bonus award. FREE Additional Cords allow you to share your credit line without sharing your cordl Request FREE Additional Cards for your spouse, college student, or anyone dose to you. You'll get a lot more out of your credit tinel Just call 1.800.3475537 or visit Discovercnrd.com today. As a Discover(R) Cardmember, you can get cash quickly and easily- lust about anytime, anywhere. To find the nearest cash locations, select your P.I.N., or to order Discover Card Cash Access' Checks, call 1.800-DISCOVER (1-800.347.2683). And don't forget to visit us at Discovercard.com where you can also search for cash locations nearest you. 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 Grdmember Agreement contains all the terms of your Account in m Lost or stolen coda. Report immediately! GN 1400-547-2693. Z ON" R.Wft Stranarv In Case of Errors or Oueslkns About Your Bill: If think your bill is wron , 'City" You need more information about a o transaction on your big, write us on a separate sheet of paper at Discover Lard; PO Box 30421, Sall Lake City, UT 04130.0421, as soar as possible. We must hear from you no later than 60 days, after we sent you the first big on which the error or problem appeared. You can telephone us,.but doing so will not preserve your rights. In your tter, give us the following information: 0 Your name and Account mumber. N -The delar amount of the suspected error. u -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure ou1. V YouEdo 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 queslbrt While we investigate your question, we, cannot report you as delinquent or lake any action to collect the amount you question. Special Ride for Cr&M Card Purchases: If You have a problem with the quality of goods or services that you purchased with a credit card. and you have trletl in good faith to correct the problem with the merchant you ma not have to pay the remaining amount due on the goods or services You have this protection only when Ore purchase price was more than 250 and the purcTase was made in your home state of within 100 mites of your mailing address. (If we own Of operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless d the amount or location of purchase.) 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 Yyopuur account at the financial institution indicated on your check or to process the payment as a check transaction. If Pa nit is processed as an a ctronk fund transfer, the transfer will be for the amount of the check When we use information from your check to mike an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your and you will not receive your check back from your financial institution. The process' of your payment mayy lie defWa permit. you send cash. correWdenre or other hems with your payment if u send the payment to any other address or if you use an emuebpe other than the one providetl. Payments received on w alter 1 PM Montlay through Friday or on a weekend or bank lalida will be posted to Your Account as of the next business day. If you have, misplaced your epvelope,,senH your-payment to Discover Bahk, PO Box 6103, Carol Stfeam, IL 60197.6103. Please 11116 7.10 days rot delivery. It your payment is returned unpaid, we reserve the ngM to resubmit it as an electronic debit You can Pit your minrmum foment orankgreater amount over the telephone, and You can set up automatic payments Call us at 1.800.347-2683. You will need this statement, and your On account information. You must ensure That sufficient funds are available in your bank account and all transactions must campy with U. S. taw. You will be asked to provide the first 5 digits of your account statement zip code. By entering those numbers asypu r a ebctronk sgnaWra, you will be agreeing to this authorization to allow us and your tank to deduct each ppaayment you authorize from lrour bank ccount and to initiate debit or credA enUies to you r ba nk a c count as applicable to correct an errs in the processma or such payment You muri tel us the amount of each payrr>enl n can select t amount such as the lAmum Payment Due a the New Balance on each Statement You can cancel a L however we must receive notic e al lean three wismess days in advance of the scheduled payment. You may notrfy us Dy phone al 1•BOg•347-Y683 or by mail at address listed in the previous parspraph. If your payments may varyin amount?we wdi tell i Automatic payment amount may less than yo on each thly statement when your pa enl will x made antl how much it wit te. Your indcated on Me month ly statement based on credits or payments applied during me bng cycle. Credit R jartinB We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account arA y be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. If Yyapyi be that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PU Box 15316. Wilmington -DE 19860.5316. Please Include your name, address, home telephone number and Account number. Periodic Fiance Charges. Except as prwWed below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on of prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment Of Parodic Finance Charges on new purchases if you pay the New Balance shown on the billing, statement on which the Vurchase "`Ado appears by he Payment Due Date, and the Payments and Credits on that statement ayual a exceetl your (evious Balance. We call E. Me " race period'. You do not have a arue Denod on balance transfers a cash advances Periodic Finance Charges arc imposed on new balance lr?nn and cash advances heginnindwilh tine date lire Uansacton occurs. Periodic Finance Charges are an card on alllfff transactions and flld Balances until the date ot repayment Repayment means pa env ot your entire New Balance. However if you pay the New Bolante shown on this billing statement DD.y the Payment Due Dale, and Me PaYYmenlsmantl Credits shown on this statement equal or exceed Me Previous Balance we will not impose Penodib Finance Char es on new Curchases, mat is purchases hrri appearing on Mrs, ini nt g your Account was closed as of: (i) September 27,1999; a (lf) Augusl°31,2D01 an?was formerly a Discover® Pnme ,? di fa purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction Aver tie Daly Balance x number of dw0tlYss in the bill2i period x Daily Periodic Rate. (Refer to the finance yourlAccount, The Average Daily Balance his sshhown as 0 n( no Perodic for transaction appry?the balance (including new transactions) method of calculating the balance u n which we impose Periodic l the New Balance shown on Me billnG staterrKnl received dunn the previous billing Deriod by iodwicy Finance Charges on new purchases flail lust appppeeaared on that it mg statement as well as new arertienl unless we already imposed Periodic FinanceCharOes on the purchases on your previous billing cash an the on Charges which .im added to ine cash-advance transaction category and BalanceTrknsfer Transaction Fee Finance Charges which are ail balance transfer ta0saC1100 category g. a transaction made in a previous DDilli?pg period Is itemized on this statement, we consider the dale to be the first day of the currenT billing period when we calculate your Per id Finance Charges. For TDD (Telecommunic 1,m Device for the Deaf) assistance, please cog 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER MCLAIN, ROY C DISCOVER ?nRr Account number ending in 9362 B i?ler CARD Discovere Card ranked #1 in Customer Loyalty-for 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when sometbing looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T. Clevdond, Ohio Experience it for yourself at Discover.can -A-c6q to dw 2008 Brawl Keys C.*mw toy* EnBgp- W- Repel 02008 Dix- Bonk, Member FDIC dosing Date: April 5, 2004 page 2 of 2 Get up to 10% back on groceries with your Discover(R) Card. Plus, receive a Cashbock Bonus(R) award on your other purchases. Sign up today - call 1-800475.9161 or visit Discoveroard.com. This offer only lasts through June. GIFT SHOPPING MADE EASY. Discover(RI Gilt Cards simplify gift giving for Spring holidays and events. Order now at 'Discovergiftcard.com. See terns and conditions for gift card purchases. Fees apply. Offer not valid to residents of CT, DC, MA, ME and NH. Lock Your CD Rate Todoyl Move fast to lock your Certificate of Deposit interest rate with Discover(R) Bank's fast, free and 'secure CD Electronic Depositl It's the easy, sofa way to fund a new CD or add Funds to a maturing Discover CD directly from your bank account. Just call 1-800.347-7000 and mention code: SC0404PC. Member FDIC. ---------- ---------- finance Charge Summary Nominal Transaction D i P y S ? PE Periodic F a ly eri is AGE ERt P NTAGE Bold nc Rates RATES RATES ;current billing period: 31 days Purchoses $6636.47 0.06847% 24.99% F 24.99% $140.87 none ?Cash Advances $2171.78 0.06847% 24.99% F 24.99% $46.10 $O The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. `:Questions? Manage your account at Discovet'.corn or call 1-800-DISCOVER 11-800-347-2683). DISCOVER CARD New Balance Minimum Payment Due Account Number ending in 9362 $9,444.33 $406.00 Enter Amount Enclosed Below Payment Due Date $ June 4, 2004 Please make check payable to Discover Cord. Minimum payment due includes a past due amount of$196.00. 05 SDSNSA010003558 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Disooverscom/payments today. PO BOX 71084 11112111111111111111111 111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to {u{n{{u{ur{r1{un{n{n{unl{{{w{n{n{n{{u{u{u{n{sill receive important Account information and special offers. 000001986458271370625094443300000000040600 Discover Card Account Summary Closing Date: May 5, 2004 page 1 of 2 Account number ending in 9362 Previous Balance $8,783.90 i Payment Due Date June 4, 2004 Payments And Credits 0.00 Minimum Payment Due $406.00 Purchases + 473.43 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $55.00 Balance Transfers + 0.00 f Cash Credit Limit $4,800.00 Finance Charges + 187.00 Cash Credit Available $55.00 New Balance $9,444.33 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonus` Opening Cashbadc Bonus Balance $ 76.35 New Cashback Bonus Earned + 0.00 + 2.19 CCashbock Bonus& Since Anniversary-Date. _ Cashback. Bonus .Bglancl:,. $ Available to hdsem $ 78.54 , O:fifS of July 5: $8.76 How Can We Help You? P 1. Visit Discovercan to pay yorw fsN for no cost, view latest Account information, earn and redeem rewrsrdand more It's your Choice - 3 Ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Past Date Date Merchandise/Retai Apr 27 Apr 27 YOUTH SPORTS PHOTO MIDDLETOWN PA $ 49.75 odd/Alixellaneaus May 5 May 5 LATE FEE 35.00 Gas/Automotive Apr 7 Apr 7 PENSKE TRK LSG MD BALTIMORE MD 80.14 Apr 14 Apr 14 A & B AUTOMOTIVE MECHANICSBURGPA 28.57 Apr 21 Apr 21 A & B AUTOMOTIVE MECHANICSBURGPA 28.57 Apr 22 Apr 22 aTGo FOOD MART MECHANICSBURGPA 15.90 9700040019 Aer 26 Apr 26 -=--. .. .------------ HUTTERS LEBANON PA 12.69 Apr 30 Apr 36 7 ELEVEN ?i171 CRANBERRY TQYVPA - - ---------- ---18.82. -..- 9500085006 May 1 May 1 AMOCO OIL 08603730 BUTLER PA 12.70 May 4 May 4 CITGO FOOD MART MECHANICSBURGPA 12.28 9700082006 i Services Apr 21 Apr 21 B & C FASTENERS INC. MECHANICSBURGPA 65.17 a Superrrraksls Apr 17 Apr 17 REDNER'S MKTS QUICK SH FREDERICKSBU PA 6.01 Hawn Improvement Apr 20 Apr 20 THE HOME DEPOT 4120 MECHANICSBURGPA 16.14 Apr 23 Apr 23 LOWES 405 MECHANICSBRG MERCHANICSBRGPA 91.69 Information For You Please note, the Traditional Cashbock Bonus award is now called the Purchase Cashbock Bonus award. i 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 Canimember Agreement contains all the terms of your Account o Lost or stolen cards. Report immedWlery! Call 7800-317-2683. Z BUhg Rights S?mary. In Case of Errors or Ouestions About Your Bill: If you think your bill is wrong, or it you need more information about a o transaction on your loll(, write us on a se parate sheet of paper at Discover Card; PO Box 30421, Sall Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than fill days after we sent you the first bill on which the error or problem appeared. You can telephone us,'bul o doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number. m -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 Y219 not have to pay any amount m CuesUoh 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. Speclal 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 lay the remaining amount due on the goods or services You have this protection only when the purchase price was more than S50 and the purc ase was made in your home state or vn in 100 miles of your mailing address. (If we own or operat! the merchant, or if we mailed you the advertisement for the goodl or services, all purchases are covered regardless of the amount or location o purchase.) 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 check transaction. If payment is pMrocessed 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 paNenl and you will not receive your check back from your financial institution. The pinta of your payment mav be tleWVyeedp you send cash, correspondence or other Items With r paVmenl it antl the payment to any other add or if you use an edvelope other than the one provided. Payments received on or of er 1 PIH Mondal through Friday or on a weekend of bank holiday VAN be posted to your Account as of the next business day. If you have, misplaced your envelope ,_send , yogi_payment to Discover Bank, ?D_ Box-6103, Cargf Stream, IL 60197.6103. Please allow 7-10 days for delivery it your payment is returned unpaid, we reserve the ?%ou can pa ur minimum payment or a greater amount over the telephone, and you can set up automatic payments tall us at 1.00.347-26113. You will need tTi'n rialement, and Your bank account information. You must ensure Thal wfficlenl funds are avalabk m your Dank 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 enlermg those numbers as your eleelydnk sgnatura, you will be a reeling to ilia aulhaizalion to allow us and your bank to deduct each ayment you aulhonze from your Mnk account, and to iniliafe debit or crFdH entries to your Dank accamL as applicabW lo.correcl an errs in Phe processing of such payment You must tell us the amount ol each payment a you can select an amount such as the Minimum Payment Due or the New Balance on each statamenl. You can ancel a WYmenL however we must receive police al least three business days in advance of the scheduled payment, You may notifpyy us by phone al 1.600.347-?1ie3 a Dry mail at address lined m the previous parapprapD. N your payymm??ls may vary in amount we will tell you on e5ch marthry statement when your payment will be made and Dow much It oval be. Your Automatic payment amount may be less than ndncated on the molilhy statement based on credits dr payments applletl during the billing cycle. Credit Repor". We may report information about your account to credit bureaus Late paymenls, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agences each month. If you believe that our report is inaccurate or incomplele, please write us at the following address: Discover Classic Card, PD Box 15316, Wilmington DE 19850-5316. Pleas6 Include your name, address, home telephone number and Account number. Periodic Finance ChaTs. Except as provided below, we will imposic Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the daR the transaction occurs until the date repayment and on Old Balances until the date of repayment Old Balances are cemprised of eflher purchases and cash advances made on or prior to the last day of your billing period ending during Febfuary 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billin statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement a seal or exceed your (previous 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 transfert aM cash advances beginning with the dale the transaction occurs. Periodic Finance Charges are imposed on alf transactions and OW Balances until the date of repayment Repayment means payment of your entire New Balance. However if you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous gala a we will not ifnpou Periodic Finance Char es on new Curchases, that is puicMUs first araring on this statement If your Account was closed as of., (i) September 27,1999; a (il). Augusl°31,2001 and was formerry, a biscover® Prime option. Discover National Alliance for Sppeeccies SurvivalS or Universal Studies Account; or (ice Se ember 30, 2001 and was formal a Discover Smitirsontan nccaunt, vow cap a", d payment of .Pyriodic Finance Charges If-X v pay the N?Y±.- ladpcty,,Mn on this statement by the aymept Due IHie and are Pa n(s and CiWits on this statement equal a exceed your ritwhius Balanix. Otherwise, you will receive a billing rialemem next month that includes Periodic Finance Chat es Ilrl d unW the date of repayment We corn to Periodic Finance Charges.e3ch da? purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction catagories Dry using the following equation: Average Daft' Balance x number of days in the billingg period x Daily Periodic Rate. (Refer to the finance chargpee wmmarryy on the front of your statement for these amounts) Then we add all the Pertatlic Finance Charges for each transaction categgory to el tDe total Pedodfe Finance Charges for your Account The Average Daily Balance is shown as 0 it no Periodic Finance Charges apply -lo the Clarice in a transaction categoryWe use the two-cycle average dairy balance (including new transactions) method of calculating the balance upon which we impose Periodic finance hat es, This means H y6u did not lay the New Balance shown on life billing statement You received during the previous billing period by the Payment Is Date, we will Impose P. Willie Finance Charges on new purchases That Rrst appeared on that billing statement as well as new purchases that find appear on this h01'ing statement, unless we already imposed Periodic Finance harges on the purchases on your previous billing statement. We compute the average dal baance fa each transaction category by adding up all the dairy balances in a billing period for a transaction catedoty and di?q the total the number of days In the balling cycle. We coin to the daily balance for each transaction category on each dayy DpyyTirsl adding the Tdbwinpp to a previous dDtjay s tfeiy balance: transactions made That day, fees charp? that day and Periodic Finance Charges acerubd on the prprevious day's 0ai balance; and then wbtracUng any credits and payments that are 3poplied against the balance of the transaction ca on that daY. M calCuWUngp the dairy balance for the previous billing period, we consider the previous day's daily balance" to nave been 0 on the fttd day of tie biOInC perod. Old Balances are exciude0 from the balance of the purchase and cash advance transaction cate0gQoMries, Special rate balance transfers and Balance Transfer Tonornrm Gee FInarire Chanties are Inrluded in the daiiv balance transfer transaction C3leoorv . Balance transfers that were sublecl to an Charges which ire added to the cash advance transaction category and Balance Transfer Transaction Fee Finance charges which are a balance transfer transaction categorryy If a transaction made in a previous bilfig?S period is itemized on this statement, we consider the dale to be the first day of the current billing period when we calculate your Periodic Finance Charges. For TOO (Teleeommwdeatlom Device for the Deaf) assistance, please call 1-800-347-1449. The Discoverila Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD {DISCOVER MCLAIN, ROY C I-. Account number ending in 9362 Discover' Card ranked #1 in Customer loyalty-for 11 years in a. row! 'Vve never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone colt when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life.' James T. ckvekM, Ohio Experience it for yourself at Discover mn *A..rd4g to 4w 2008 Band traps C.*-- Wj* 6goesn WN kv a Re ®2008 06conr BaA, how lw FDIC Closing Date: May 5, 2004 page 2 of 2 "'*•`" ATTENTION ******* ATTENTION "•"`" ATTENTION <'•••'+ ATTENTION •:..:.. ATTENTION * * * * * * * Your account is pad due. Please pay the past due amount now, or contact us to make other arrangements. :Balance Transfer offer for current billing period: Daly Periodic Rate: 0.06847%; corresponding ANNUAL PERCENTAGE RATE: 24.99%. Rate is subject to the terms of the.offw including expiration. lderdity, theft complaints to the FTC increosed 33%; from 161,836 complaints in 2002 to 214,905 in 2003 red" Trade :Commission, Jan. 200A), Enrol in optional Profi6Protect(R) & we will send you a copy of your credit report & monitor your 'credit file every business day- tools to help protect you from 1D theft. Call 1-866708-0672 to enrol. Did you know that millions of credit cards are lost or stolen every year? The Register(R) safeguards all yaw credit, debit and ATM cards for less than 5. cents a day. Call 1-804347.3395 for more details- Keep Up with Yom Account from anywhere. Whether you're at home, of work, or away on vacation - your Discover(R) Card Account is easily accessible online. Check your statement. Pay your bill. Redeem your Cashimck Bonus(R) award. Contact Cuetomer Service. It's quick, easy, and secure. Visit the Account Center at Discovercord.com today. ;Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic tae Da0 ? le ? AGE P RA? AGE 5"ces R R CHAXM CHAIM current billing period: 30 days Purchases $6886.22 0.06847% 24.99% F 24.99% $141.45 crone Cash Advances 42217.60 0.06847% 24.99% F 24.99% $45.55 $0 The rates that apply to your Account are either fixed l) or they may vary (VI as noted above. Questions? Manage your account at Discan*er.eom or call 1-800-DISCOVER (1-800-347-26831. DISCOVER CARD New Balance Minimum Payment Due $9,713.86 $216.00 Payment Due Date July 4, 2004 05 SDSNSA01 0003559 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ F I'bose make check payable to Discover Card. You areoverlimit. Pay the sum of the monthly minimum payment Plus the oyerlimit amount of $213.86. Will your payment get to us on Fime4 Pay your bill online and your payment can be made to your account on the same day. Visit Discovercom/payments today. PO Box 71084 11181411111111111111111111 CHARLOTTE NC 28272-1084 Address,a-mail or telephone change? Print charge in space irrlrliulurlrllr,riulrinrllllurir,lulullulnlulrlull above, or go to Diswver.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625097138600000000021600 ------------- --------- Discover Card Account Summary Closing Date. June 5, 2004 page 1 of 2 Account number ending in 9362 Previous Balance $91144.33 Payment Due Date July 4, 2004 Payments And Credits 535.00 Minimum Payment Due $216.00 Purchases + 604.05 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finance Chorges + 200.48 Cash, Credit Available $0.00 New Baance $9,713.86 You may be able to avoid Periodic Finance Charges, we the reverse side for details. :Cashbook Bonus® Opening Cashback Bonus Balance $ 78.54 New Cashback Bonus Earned + 0.00 + 2.84 Cashbook Bonus®Since Anniversary Date -- --------- Cashbadl: Bonus Balance $ Avaik"e'16Woeewfi----- ..---- ---V---- 8138 -BUOY ofjuly5: $11.60 CONGRATULATIONS[ Now that your award is $20 or more, you can redeem it in $20 increments by logging into the Account Center at Discovercard.com or by calling i 1-877-YOUR-AWARD (1-877-968.7292). How Can We Help You? 1. Visit t„scover cam to pay year bill for no cost view P latest Account information, earn and redeem rewards and mare It's your choice - 3 ways to help 2. Cal I-SMDISCOVER (347-2683) For fast, easy selfservice spook with a Customer Service Account Manager Please have your Discover Card available. options or 3. Write us at Discover Card, PO Box 30943, at For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Paymmrts and Credits May 17 May 17 PHONE PAYMENT - THANK YOU $ .500.00 May 18 May IS LATE CHARGE REFUND .35.00 y29 - -W - hlachandise/Retail---- May 24 -Maf?Hr4RF3HPER0003?i21 WATKINSGIEPI t W ----- ---- -59.1 5 May 31 May 31 WALMRT SUPERCNT 003221 WATKINS GLEN NY 66.05 Restaurants May 31 May 31 GREEN GABLES NEW MILFORD PA 60.00 Odrer/Misceflaneous May 17 May 17 PAY BY PHONE PROCESSING FEE - DBT 5.00 Jun 5 Jun 5 OVERLIMIT FEE 35.00 Gas/Automotive May 18 May 18 PENSKE TRK LSG MD BALTIMORE MD 311.10 May 29 May 29 EXXONMOBIL M8X3401 MONTOUR FALLSNY 12.75 260 961 014 8 May 30 May 30 KWIK FILL #715 WATKINS GLEN NY 30.00 May 31 May 31 MONTOUR FALLS KEYSTONE MONTOUR FALLSNY 25.00 Information For You 4 1 Please note, the Traditional Cashbook Bonus award is now called the Purchase Cashbach Bonus award. i 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 Cardrnemher Agreement. Your Cardmember Agreement contains all the terms of your Account. W Lost or stolen cards. Report immediately! Call 1400-947-2889, m BU" RWAs Somme" In Case of Errors or Oueslions About Your Bill: If u think your lull Is wrong, or if you need more information about a o transaction on Your boy-write us on a separate sheet of paper at Discover fiord; PO Bwc 30421, Salt Lafca City. UT 84130.0421, as soon as possible. We must hear from YYoouu no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us,'bul $ doing so win not preterve your rights. In your letter, give us the following information: -Your name and Account number. -The dollar amount of the suspected error. w -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure abo u A 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 Yo question. While we investigate your question, we. cannot report you as delinquent or take any action to collect the amount you question. Spatted Rule for Credit Card Purefwes: 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 ppaay the remaining amount due on the ggOdds of services You have this protection only when the purchase price was more than $50 and the purcTase was made in your home state or within 100 miles of your mailing address. (U we awn or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 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 receive your check back from your financial institution. The processing of your payment may ba debyed d you send cash. Corespontlence of other Items with tar paYmenl if u send tine payment to any other address or if you use an edvekWpe o0ner than the one provided Payments received on or at or 1 PM Mondarhrough Fr. ay or on a weekenq of bank holiday will be i0slad to your Account as of the next business day. If you have, misplaced your envelope _send ogr.paymenl to Discover Bank, PO Box 5103, Ca Stream, IL 60197-5103. Please allow 7.10 days for delivery. if your payment is returned unpardY we reserve the It to resubmit it as an electron; debit You can pay your minimum W nt or a greater amount over the telephone, and you can set up automatic payments Call us at 1-800.347-2683. You will need this statement and wur bank account Information. You must ensure that sufficient funds are available in bank account and all cade. By entering those transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement nptar numbers as your electronic signature, you will be agreeing to this authorization to allow us and Your bank to deduct each payment you authorize from Yyoouur bank account and to initiate debit or credit entries to your bank account as applicable to correct an error in the processing of such payment You must ten us the amount of each paymenL or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least three business days In advance of the scheduled payment. You may nofifj us by phone at 1.800-347-2583 or by man at address listed in the previous paraOraph. U your payments may vary in amount we will tell yo I on ech monthly statement when your payment will be made and how much it will tie. Your Automatic payment amount may be less than ndcated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed parents, or other defaults on your account may be reflected in your credit. report We normally report the status and payment history of your Accouncredit reporting agencies each month. a Yyoouy behave that our report is inaccurate or mcomplete, please write us at the following address. Discover Classic Card, PQ Box 75316, Wilmington-DE 19850.5316. Please Include your name, address, horse telephone number and Accou t number. rs. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers Periodic Finance Chair beginning with the da the transaction occurs until the dale of repayment and on Old Balances until the date of repayment. Did Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call This the "orace period". You do not have a race Derind on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beprnnxn with the dale the transaction occurs. Periodic Finance Charges are unposed on at transactions and Old Balances until the date of repayment Repayment means pa ent of your entire New Balance. However if you pay the New Balan;e shown on this bil in9 statement bbyy the Payment Due Date, and the Paymentsmand Credits shown on this statement equal or exceed the Previous Balance we will not Irgnpose Penodii; Finance Charges on new purchases, that is, purchases first aonearino on this statement R your Account was closed as at. (i) Seotember 27.1999: or lit) Auousl 31.2001 anti was formerly a Discovere Prime transfers and Old Balances (which we refer to as transaction he boding period x Daily Periodic Rate. (Refer to the finance e Periodic Finance Charges for each transaction cater, to s shown as 0 n no Periodic Finance Charges apply a the ma new transactions) method of calculalina the balance upon which we on to to an on the orv on balance transfer transaction calepay ita transaction made iii a-previous billing period is itemized on date to be the first day of the current billing period when we calculate your PerioOid Finance Charges. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. The Discoven9 Classic Card is issued by Discover Bank, Member FDIC DISCOVER CARD DISCWElt MCLAIN, ROY C Brighter Account number ending in 9362 Discovers Card ranked *1 in Customer Loyalty-for 11 years in a rowr 'I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless stownents and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life.' Janes T.-Ckrvdand, Ohio Experience it for yourself at Discovercom f *Acmrdng to the X08 Brad rays Cuss n Igdy Engaganeo Inc Repod 02008 Dis.- Bank, M." FDIC Closing Dale: June 5, 2004 page 2 of 2 t While we are permitted under the Cardmember Agreement to terminate any introductory or special rate because your Account was ovedimit, we have chosen not to do so at this time. We reserve the right to terminate these special rates and to increase the APRs on your Account if, as of the dose of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Default Rate Plan section of the Cardmember Agreement or details. ;Balance Transfer offer or current billing period: Daily Periodic Rate: 0.06847%; corresponding ANNUAL PERCENTAGE RATE: 24.99%. Rate is subject to the terms of the offer including expiration. Congratulations to the 2004 National Discovw(R) Card Tribute Award(R) Scholarship winners: April Alvarez, Vladimir Dubovskiy, Ji Guo, Jamie Hargrove, Kristian Henderson, Yuji Huang, Jessica Mann, Brian Monahan and Holly Walker. Eac "won 27,5W for-plait' high•school' educotton or tromm?g. Visit Discoverccrd:com/tribute.lnhn to leiim more. Save 10% with Discover(R) Card at Comfort Inn(R), Comort Suites(R), Quality(R), Sleep Wilt), Clarion(R), Mainstay Suitesf, Econo Lodge(R) and Rodeway inn(R) by 12/31 104. Call 800-ACHOICE and use 00801242 or click the Special Rate link .at choicehotels.com- Restrictions apply. Cannot combine with other offers. Advonee reservations required. Idenmty theft complaints to the FTC increased 33%; from 161,836 canplairds in 2002 to 214,905 in 2003 (Federal Trade :Commission, Jan. 2004). Enrol in optional Profi6ProW#Z) & we will send you a copy of your credit report & monitor your credit fib every business day - tools to help protect you from ID theft. Call 1-866.7080672 to enrol. ;Finance Charge Summary Daa l ay Nominal ANNUAL ANNUAL Transaction P N y i is P PE RCENTAGE PERCENTAGE ENCE FI ANCE Balances Rates RATES RATES CHARM CHARGES curent billing period: 31 days Purchases $7181.08 0.06847% 24.99% F 24.99% $152.42 none :Cash Advances $2264.38 0.06847% 24.99% F 24.99% $48.06 $0 :The rates that apply to your Account are either fixed (F) or they may vary M as noted above. QUO$tiOnS? Manage your account at 016cover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER CARD New Balance Minimum Payment Due $9,985.38 $438.00 Payment Due Date August 4, 200a 05 SDSN6A01 0003560 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ Phase make check payable to Discover Card. You are oyedimit. Pay the sum of the monthly minimum payment plus the ovedimit amount of $485.38. Will your payment get to us on time? Pay your it online and your payment can be made to your account on the same day. Visit Dis<overcom/payrnentk today. PO BOX 71084 11111111111111111191811111A CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?u?r??rr?urEr??ur?nlrlur????nr?nlu)u??u?u?ulr?ul? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625099853800000000043800 Discover Card Account Summary Closing Date: July 5, 2004 page F of 1 Account number ending in 9362 Previous Balance $9,713.86 Payment Due Date August 4, 2004 Payments And Credits 0.00 Minimum Payment Due $438.00 Purchases + 70.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Lim it $4,800.00 Finance Charges + 201.52 Cash Credit Available $0.00 New Balance = $9,985.38 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 81.38 New Cashback Bonus Earned + 0.00 Cashbadr Bonus Balance $ 81.38 -Gashback-Bonus?since Anniversary-Date- Available to Redeam --------------------- $ a .QO July 5: $11-60 of How Can We Help You? p 1. Visit Discover corn to pair yaw bill for no cost view latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Cal 1-80OZISCOVER (347-2683) for fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hewing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Sah Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Pod Dare Date i Odrer/Nscellaneous Jul 5 Jul 5 LATE FEE $ 35.00 Jul 5 Jul 5 OVERLIMIT FEE 35.00 'Information For You ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION * * * * * • * Your account is past due. Please pay the post due amount now, or contact us to make other arrangements. - ------------------------ --------------------- `Finance Charge Summary Nominal Transaction Day ly a Peeriodic PE ANNUALAGE SAGE FFN/NC E Ft1WArK3 S Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $7498.77 0.06847% 24.99% F 24.99% $154.03 norm i Cash Advances $2312.14 0.06847% 24.99% F 24.99% $47.49 $o The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. See yaw Csvdmember Agreement. Your Cardmember Agreement contains all the terms of your Account U) Lost or stolen carts. Report immedialelyl Call 1400-347-2683. Z BMW Rights Sumba. 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 Card; PO Box 30421, Sall Lake City, UT 64130-0421, as soon 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,lbut o doing so will not preserve your rights. In your tter, give us the following information: Your name and Account number. N -The dollar amount or 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 Yoa 19 not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your tall 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 you mayy not have to pay the remaining amount due on the ggoods or services You have this protection only when the purchase price was, more than S50 and the purchase was made in ur home stale or wdhin 100 miles of your mailing address. (N we own or operate the merchant or if we mailed you the advertisement for the goodf or services, all purchases are covered regardless of the amount or location of purchase.) 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 autho nze 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 menl 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 pa make an electronic fund transfer, funds may be withdrawn from your account as soon as the Same day we receive your paIT t and you will not receive your check back from your financial institution. The gncessx?g of your payment ma be delayed you send ash, correspondence or other Items with atur payment if you send the payment to any other address or N you. use anereidvebpeeoother than the one provided. Payments received on or al 1 PMM Mondapyethrow hyoFriday or on a DrsacovesBiink Boz?61y 03 UCaepo? rol Stream IC 6019r7?o6103 aSPleaseeatleow 7 10 ays for Of "v . a lIf your payment its ereetu nged unpaxf, we reserrvve lthe r? luto resubmit it as an electronic debit Yo can W r minimum payment or a greater amount over the telephone, and you can sal up automatic pa ails. Call us at 1.800.347-2683. You will neetl llnis statement, and Your bank account information. You must ensure lAat sufficient funds are avai ble in your bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering those numi s your electronic sgnalure, You will be agreeing W Ma authorization to allay us and Your bank to deduct each payrnxnl you authorize fror bank account and t o inilia(e debit or eretlil entries to your bank account a s s aficable lo_correct an error in the processorsp of such Z?ated Yomutell s amounach pant a u n slect n nt such s tiimuPant Due New emenYou cnal a t however wmust reive notice n least three business days n anof hschduled paytV us by One at .00.347. 663 a mil al ress IlSletl m previous paIf your pa ans may vary in amount ach nanMry statet your pament will be made and tsw uch it ill Your Auomtic payment mount my De on Me monthly statement ba setl on credits or payments applied during th e billing cycle. 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 crank report. We normally report the status and payment history of your Account to credit reporting agencies each month. If yo be that our report is inaccurate or incomplete, please write us at the following address Discover Classic Card, PD Box 15316, Wilmington 19850.5316. Please include your name, address, home telephone number and Account number. Periodic Finance Chair Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid nt of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billinPr g statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your evious Balance. We call Ibis the "0race period'. You do not have a ace ppeeriod On balance transfers or cash advances Periodic Finance Charges are imposed on new balance transfers and ash advances beginninppwits the date the transaction occurs. Periodic Finance Charges are imposed on sit transactions and Old Balances until the dale of repayment Repayment means pa nt of your entire New Balance. However iM f You pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal exceed the Previous Balance we will not ,g pose Periodic Finance Charges on new purchase; that is, purchases fast appearing on this statement. If your Account was cksed as of. (f) September 27,1999; or (it.). August 31,2001 and was formerly_ a Discove4 Prime we transfers and Did Balances (which we refer to as transaction 1e billin period x Daily Periodic Rate. (Refer to the finance e Per' re Finance Charges for each transaction category to s shown as 0 if no Periodic Finance Charges apply to the of calculating the balance u which we impose Periodic datemenl you received dun the previous billing period by at first appeared on that hi 'no statement as well as new Finance Charges on the Gurchases on your previous billing adding up all the dairy balances in a palling period for a Ve compete the dally balance for each transaction category made lAat day, fees chargped that day and Periodic Finance s and payments that are applied against the balance of the g period, we consider the previous day's daily balance" to :lion categories Special rate balance transfers and Balance nsaction category Balance transfers that were subrct to an iceeded your Account credit limit are also Included in the ally balance of the balance transfer transaction category on stir Transaction Fee Finance Charges and balance transfers to the balance of the urchase tansaction,cate !A the exception of Cash Advance Transaction t a Finance :r Transaction Fee Finance Charges which are added to the i is itemized on this statement we consider the transaction dale to be the first day or the current billing period when we calculate your Periodic tmance Ur For TOD (Telecommurtleatlorm Device for the Deaf) assistance, please can 1-900-347-7449. The DiscoverS, Classic Card is issued by Discover Bank, Member FDIC. Now Balance Due Minimum Payment DISCOVER $9,183.36 $205.00 CARD Payment Due Date $epternber 4, 2004 05 SDSN6A010003661 NCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below please make check payable to Discover Card or pay online 0!t Discovercard.com. Win yarc payment get to us an time? Pay your in online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71064 etlrrdlrr.lirr..trlydrlr CHARLOTTE NC 28272-1084 Address, e-mail or telephone changa Print change in space It III III rIruI IIIspill lrtru(???rulululn?lntulu?r?n(1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625091833600000000020500 k Discover Card Account Summary ,Account number ending in 9362 'Payment Due Date September 4, 2004 !Minimum Payment Due $205.00 Credit limit $9,500.00 Credit Available $316.00 'Cash Credit Limit $4,800.00 ,Cash Credit Available $316.00 Closing Date: August 5, 2004 page 1 of 2 Previous Balance $9,985.38 Payments And Credits 1,500.00 Purchases + 496.81 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 201.17 New Balance = $9,183.36 You may be able to avoid Periodic Finance Charges, see the reverse side for details. ;Cashbc?ck Bonus® Opening Cashbook Bonus Balance $ 81.38 New Cashback Bonus famed + 0.00 + 1.20 Cashbook BonuseAnniversary --------- ------ Cashba& Ranus Balance -------_ $ Available to Redeem $ -----.8258. 80.00 :Date: July 5 :CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by logging into the Account Center d Discovercard.com or by caning 1-877-YOUR-AWARD (1-877-968-7292). HOW Can We Help You? 1. Visit Discovereom to pay your b8 for no cost, view your latest Account information, cam and redeem rewards and more ;It's your choice - 3 wee to help 2. Can 1.800-DISCOVER (3A7-2683) For Oast, easy setfservice options or to speak with a Customer Service A ccount Manager Please have your Discover Card available. 3. Write us at Discover Cod, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card wok confidence. Trans. Post Date Dale paymems and credits Jul 13 Jul 13 PHONE PAYMENT -THANK YOU $ -1,000.00 Jul 29 Ju129 PHONE PAYMENT -THANK YOU -500.00 '-lYtsrcisr?idisefReti? --- Jo128 --9x128'-- -NOSA3M?OSABLESINC 9732794M 11J---.---- -T4204---- odier/misce®aneous Jul 29 Jul 29 PAY BY PHONE PROCESSING FEE -DBT 15.00 ;Gas/Auronrolim Jul 14 Jul 14 PENSKE TRK LSG MD BALTIMORE MD 267.57 Jul 14 Jul 14 PENSKE TRK LSG MD BALTIMORE MD 72.20 ,Information For You :Balance Transfer offer far current billing period: Daily Periodic Rate: 0.01890%; corresponding ANNUAL PERCENTAGE RATE: 6.90%. Rate is subject to the terms of the offer including expiration. ;Call 1-877-353.0986 today or visit Discovercard.com to find out if you qualify for a valuable Balance Transfer offer. It's a fast and easy way to save money! By payingy r bin by check, you agree to the ng of your payment electronically. If your check is processed ebcfrcim j, it is possible the funds will be with from your checking account on the sane day we receive the check. We are not enrolling you in a direct payment program; your check is still needed to initiate your payment. 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) Lost or stolen cards. Report immetlialeyl Call 1400-317-2683. co BBBrrg RMfIMS Strmssarv. In Case of Errors or Ouestbns About Your Bill: If You think your bill is wrong, or if you need more information about transaction on your bill, write us on a se rate sheet of paper at Discover Card; PO Box 30421, Sall lake City, UT 64130-0421, as soon as We must hear from you no later than 6flwdays, after we sent you the first bill on which the error or problem appeared. You can telephone us,'but °o doing so will not preserve your rights. In your letter, give us the following information c Your name and Account number. v -The dollar amount of the suspected error. -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in V question. While we invesUgate your question, we. cannot report you as delinquent or take any action 10 collect the amount you question. Speelal 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 mayy not have to ppaay the remaining amount due on the gCods or services You have this pprrateclion only when the ppurchase price was more Than S50 and the purcTiase was made in your home state or wlhin 100 miles of your mailing addrLKS. (If we own or opentt the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the lop portion of this statement in the envelope provided Do not send cash. By sending your check as described above. Yoh 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. N pa ment 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 ac soon as the same day we receive your P=t, and you will not receive your check back from your linancial institution. The processing or your paym6nl may be delayed d you send cash, correspondence or other Items with ur paymnt If you send the payment to any other address or if you use an envelope other than the one provided. Payments received on or aftle 1 PFI Monday through Friday or on a weekend or bank Widay will be ed to r Account as of the next business day. If you have misplaced your envelope, send Your-payment to Discover Bank, PO Box 6103, faro! Stream, IL 60191.6103. Please allow 7=10 days for delivery if your payment is returned unpai(. we reserve the right to resubmit R as an electronic debit You can pa ur minimum W nt or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800.347-2683. You will need i is statement and your bank account information. You must ensure that sufficient funds are avail bie 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 signalura, you will be agreeing for Nis auNafzatbn to allow us and your bank to deduct each payment you authorize from your bank account antl to iniUs debt or credit entries to your bank account as appticabk o correct an error in the processing of such payment You must te9 us the amount of each payment of you can select an amount such as the lAinimum Payment Due or the New Balance on each statement You can ancel a meal however we must receive notice al least three business days in advance of the scheduled payment. You may ndi, us by phone al 1-800.347. 683 or by mail at address listed in thin previous paregprraph. If your payments may vary in anount?we wdl tell you on a ch monthly statement when your payment will be made anO how much it will be. Your Automatic payment amount may less than ntllcated on the monthly statement based on credits or payments applied during the billing cycle. Credit Repor". 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 re it the status and payment history of your Accoun( to credit reporting aggencies each month. If yyoouu be that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PD Box 15316, Wilmington"DE 191 m316. Please include your name, address, home telephone number and Account number. Periodic Fiance ChsTs. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the da the transaction occurs until the dale of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the Diiling statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the "grace period". You do not have A grace period. on. balance transfers or cash advances Periodic Finance Charges are imposed on new New Baance. wiviver a you pay NC new paiante snown a on this statement equal or exceed the Previous Balance, we and Old Balances (which we refer to as transaction period x Daily Periodic Rate. (Refer, to the finance Finance Charges for each transaction caleTgfy to as 0 B no Periodic Finance Charges apply to the :le iveiage dalN balance (including new transactions) method of calculating the balance, u n which we im neaps if you did riot pay the New dance shown on the billing statement you received dunppothe previous bill we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement as ance ansf NAc Balanlce transfe s that weers subjec tance an Account credit limit are also included in the of the balance transfer transaction category on on Fee Finance Charges and balance transfers cc of the purchase transaction calilgory ion of Cash Advance Transaction Fee Finance Fee Finance Charges which are added to the on this statement. we consider the transaction we calculate your For TOD (Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. ©ISC9VER• MCtAIIV, ROY C DISCOVER Account number ending in 9362 CARD BngMa Discovere Card ranked *1 in Customer Loyalty--for 11 years in a rows 'I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." lames T.-Cleveland, Ohio Experience 4 for yourself at Discover com *Aemdinq to the 2008 Brand Keys Customer tsrydty Engoom-M tnc6 Rq wt D'iu Bonk, AA-Aw FDIC Closing Date: August 5, 2004 page 2 of 2 Lock Your CD Rate Todayl Move fast to lock your Certificate of Deposit interest rate with Discover Bank's fast, bee and secure CD Electronic Depositl It's the easy, safe way to fund a new CD or add funds to a maturing Discover CD directly from your bank account. Visit www.discoverbank.mm. Mention SC3Q04PC when you open your CD. Member FDIC. Save up to $200, use your Discover(R) Card to book air/hotel reservations with US Airways Vacations. Book $50041000 save $50; $100041500 save $100-,$1500-$2000 save $150 and $2000+ save $200. Vacations include air, hotel, car or transfers, taxes and more. Book via usairwaysvocations.com with promocode DISCOVER and travel by Dec. 31, 2004. Bock to Schooll Send your favorite student a Discover(k) Gift cord and let them get what they really want for the school year. Visit Discovergif card.com to order today. See terms and conditions for gift card purchases. Fees apply. Not available-to residents of CT, DC; . --- ' Discover Financial Services is once again proud to support the Juvenile Diabetes Research Foundation's Walk to cure Diabetes. Help us raise even more money to fund research for a cure by participating in the Walk or donating your Coshback Bonus(R) award 1o)DRF. A cure is within reach. To loam more, visit Discovercard.com or www.ldrf.org. Finance Charge Summary Nominal Transaction ? ANNUAL ANNUAL Period F Dajly P is TAGE PEKENTAGE FFNANCE F NANCE 1 s Rates RATES PE CHARGES current billing period: 31 days Purchases $7117.24 0.06847% 24.99% F 24.99% $151.06 none Cash Advances $2360.92 0.06847% 24.99% F 24.99% $50.11 $0 The rates that apply to your Account are either fixed 1F1 or they may vary M as noted above. Questions? Manage your account at Discover.can or call 1-8004MkOVER (1-800.347-2683). New Balance DISCOVER $9A97AO Minimum Payment Due $417.00 Account Number ending in 9362 Enter Amount Enclosed Below CARD Payment Due Date $ October 4, 2004 please make check payable to Discover Card. Minimum payment due includes a past due amount of $205.00. 05 SDSN6A01 0003562 MCLAIN, ROY C Will your payment get to us on time? Pay your IN online and your payment can be 5252 E TRI NDLE RD made to your account on the some day. Visit MECHANICSBURG PA 17050-3526 Discover.com/payments today. PO BOX 71084 116,n11nr11r,n1111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone chonge9Print change inspace above, or go to Discover.com. Print your e-mail address to receive important Account information and special oFfers- 000001986458271370625094974 000000000041700 ------------- -------- ------------- Discover Card Account Summary Closing Dale: September 5, 2004 page 1 of 1 iAccount number ending in 9362 Previous Balance $9,183.36 :Payment Due Date October 4, 2004 Payments And Credits 0.00 Minimum Payment Due $417.00 Purchases + 115.98 'Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $2.00 Balance Transfers + 0.00 `Cash Credit Limit $4,800.00 Finance Charges + 198.06 Cash Credit Available $2.00 New Balance = $9,497.40 You may be able to ovoid Periodic finance Charges, see the reverse side for details. Cashback Bonus* Opening Cmhback Bonus Balance $ 82.58 New Cashback Bonus Earned + 0.00 + 0.20 Cashba A BwusS Anniversary - - - - - - - - - -C-u_s_h.4wk Bmus $ aploe . - - - - - - - - - - - - 82,78. :Date: July 5 Available to Redeem $ 0.00 ;How Can We H81 You? 1 • Visit Discover cons to pay your bin for no cost==d p latest Account information, earn and redeem more iltrs your choice - 3 ways to help 2. Call 1-800-DISCOVER {347-2683) for fast, easy selfssrvice Please have your Discover Card available. options or to speak with a Customer Service Account Manager :For TDD 3. Write us at Discover Card, PO Box 30943, (assistance for hearing Impaired) see reverse side SaN Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Pont Dab Date :Oilier/Miscellaneous Sep 5 Sep 5 LATE FEE $ 35.00 'Gos/Automotive Aug 17 Aug 17 PENSKE TRK LSG 451710 MECHANICSSURGPA 80.98 Information For You !x****** ATTENTION x*xx*** ATTENTION ***x*** ATTENTION **xx*** ATTENTION x*xx**x ,ATTENTION * * * * * * * Your account is past due. Please pay the past due amount now, or contact us to make other `anon enh. Balance Transfer offer For current billing period: Daily Periodic Rate! 0.06847%; corresponding ANNUAL PERCENTAGE `RATE: 24.99%. Rate is subjed.to the terms of the offer including expiration. ;Finance Charge Summary Nominal Transaction Daiv?ly? Per 1 is PERCENTAGE SAGE FINANCE FFIINNANCE ( Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $6919.34 0.06847% 24.99% F 24.99% $146.87 none 'Cash Advances $2411.55 0.06847% 24.99% F 24.99% $51.19 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Infomiatlon. 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) Lost or stolen cards. Report immediately. Call 1400-347-2693. Z Blilkrg Rights Sunniaarryy. In Case of Errors or Ouestions About Your Bill: II Y?ouu think your bill is wrong, or it you need more information about a o transaction on fromur biH, write us pn a separate sheet of paper at Discover Card; PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear you no later than 6Q days after we sent you the first bill on which the error or problem appeared. You can telephone us,'but g doing so will not preserve your rights. In your letter, give us the following information: g Your name and Account number. -The dollar amount of the suspected error. w -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 Yo If 80 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 sservicesrc tried have this protection only when th pre purchase the was more than f5 f 0 and theepurchase wasemadexin your ho eustate of wilhinn 100 miles of your mailin address. (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 rTI on N payment k to make an u Account as or the next business day. It you I 0197.6103. Please alloy 7.10 days for delivery. ater amount over the telephone, and you can sel count information. You must ensure that suffich will be asked to provide the first 5 digits of y be agreeing to this authorization to allow us ar or credit entries to your bank account as appli or payments applied during the is an electronic fund transfer, the transfer will id transfer funds may be withdrawn from your from your financial institution. vith Your payment if you sentl the payment to , of er 1 PIO Monday through Friday or on a isplaced your envelope, send your-payment to k payment. is returnetl unpaid, we reserve the itomatic payments. fall us at 1-800-347-2681 ds are available in your bank account and all count statement zip code. By entering those bank to deduct each payment you authorize to correct an error in the processing of such Ommum Payment Due or the New Balance on iys in advance of the scheduled payment. You our payments may vary in amount we will tell Automatic payment amount may less than 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 normaly report the status and payment history of your Account W credit reporting agencies each month. If you belkve that our report is inaccurate or incomplete, please write us at the following address Discover Clank Card, PO Box 15316, Wilmington DE 19850.5316. Plea Include your name, address, home telephone number and Account number. Periodic FMlairee Ctiar?es. Except as provided Delow, we will im a Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date ofp epayment and on Old Balances until the date of repayment Old Balances are cemprlsed of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing, statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement ecVal or exceed your evious Balance. We call this the "gprace eriod". You do not have a trace txriod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance ianslerspand cash advances beginning with he dale the transaction occurs. Periodic Finance Charges are imposed on a transactions and Old Balances until the date of repayment Repayment means pa ment of your entire New Balance. However if you pay the New Balance shown on this billing statement bg the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance we will not impose Pernxdi Finance Charges on new purchases, that is purchases first aooearino on this statement It vour Account was closed as of. (i) September 27.1999; or (ii) August 31,2001 and was formerly a scover® Prime you will receive a billing slat Penodk Finance charges for your transaction category. he two-cycle averaagge daily balm at This means if vbu did not pa) moire Date, we will hhnn pose Periodic it first appear on this ping staten Veeeplcompute nthe average ai tai til t6d on 1?ipdrabv' s day's ?i f tball I on do on the first Rdai day of the tailing perlod alances (which we refer to as )airy Periodic Rate. (Refer to Charges for each transaction 1 Periodic Finance Charges a balance u n which we imps ived dunn the previous billor n that bit ing statement as v m the wrchases on your pre, dash balances in a b'dlind c the -previous day's dairy balance" to Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee F balance transfer transaction category. It a transaction made in a previous boillingg period Is itemized on this dale to be the first day of the current billing period when we calculate your Periodic Finance Charges. For TO (Teleconwrwnkatbns Device for the Deaf) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. ial rate balance transfers and Balance nice transfers that were s2ect to an credit limit are also included in the ante transfer transaction category on Inane Charges and balance transfers purchase transaction category sh Advance Transaction ee kinance ince Charges which are added to the 'clement we consider the transaction Now Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $9,244.36 $206.00 Enter Amount Enclosed Below CARD Payment Due Date $ 1 November 4, 2004 p 1 make check payable to Discover Card or pay online 0 Discovercard.com. 05 SDSNOA010003563 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 ?Itur?tunlluntrtnlr?r CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458271370625092443600000000020600 Discover Card Account Summary Closing Date: Odober 5, 2004 page 1 of 2 'Account number ending in 9362 Previous Balance $9,497.40 i Payment Due Date November 4, 2004 Payments And Credits 600.00 Minimum Payment Due $206.00 Purchases + 153.11 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $255.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finance Changes + 193.85 Cash Credit Available $255.00 New Balance $9,244.36 You may be able to amid Periodic Finance Charges, we the r reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance a 82.7e New Coshbock Bonus Earned + 0.00 + 0.37 Gashback-Bonus-Anniversa -------------- ry ------- Cashbadc Bonus Wane- _ _ _ _ _ - $ _ _ _ _ _ 83.15 . - - - - - Date: July 5 i Avaifa61e to redeem $ 86:60 i CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by logging into the Account Center at Di oovercard-corn or by caning 1-877-YOUR-AWARD (1-877-968-7292). How Can We Help You? P 1- Visit Discover corn to pay year big for "° test , vi."' your A f W d It's your choice - 3 ways to help ccount in ed ormation, earn an redeem rewards and more 2. Call 1400.DWOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistonee for hooting impaired) see reverse side Sale Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payrnenb cad Credits Sep 15 Sep 15 PHONE PAYMENT -THANK YOU $ .600.00 LMorchendise/Retoi Sep 22 Sep 22 OFF1CEMAX 39 MECHANICSBURGPA 36.01 :Oilier/Macsllaneous----- $ep T5 Sap 13? i'AY?Y l3}1OF1E f1R?X:F:S?ITIGFEE -DB'1'- --- ------ ---- 5.06_____ Sep 16 Sep 16 PENSKE TRK ISG 451710 MECHANICSBURGPA 85.10 Oct 1 Oct 1 RUTTER'S FARM #53 ETTERS PA 27.00 Information For You i Balance Transfer offer For current billing period: Daily Periodic Rate: 0.06984%; corresponding ANNUAL PERCENTAGE RATE: 25.49%. Rate is subject to the terms of the offer induding expiration. Go paperlessl Elect to stop receiving your Discover(R) Card statements by mail and receive them exclusively online. You'll get an e-mail notification when your statement is available online and a printable version of your statement for your records. 1 Visit the Account Center at Discovercard.com to enrol. TRANSFER BALANCES Today- Call 1-800.767-7399 now or visit Diseovercord.com to we what Balance Transfer rate is available for you. Pay off bans, make home improvements or take that dream vacation. ft's a fast and easy way to save money! Important Information. If there is more than one page to this billing statement see the back or each page for additional important information. See your Cordinlimber Agreement. Your Cardmember Agreement contains all the terms of your Account, o Lost or stolen cards- Report immediately! Call 1-600-347-2683, z Q1 BBBng Rights Summary. In Case of Errors or Ouestions 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 se rate sheet of paper at Discover Card; PO Box 30421, Sall Lake City. UT 84130.0421, as soon as possible. We must bear from you no later than 60wdays, after we sent you the first bill on which the error or problem appeared You can telephone us,.but a doing so will not preserve your rights. In your etter, give us the following information: O Your name and Account number. n -The dollar amount or the suspecied error. -Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure V YoupNo 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 any action to collect the amount you question. Special Rule far Credit Card Purchases: U 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 mpYy not have to pay the remaining amount due on the Ooods of services You have this protection only when the purchase price was more than S50 and the pure Ty was made in your home state or within 100 miles of your mall' Mpp? address (U 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 d purchase.) 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 onvou r c eck or to process the payment as a check Uansaction. If payment is processed as an electronic land transfer, the transfer will be for the articuI t the check. When we use information from your check to mike an electronic fund transfer, funds may be withdrawn from your account as soon as the same do- we receive your pa nt and you will not receive your check back from your financial institution. the prucessMO of your and may vetl 7 ?au send casn correspon creceeiveUeori oril?f[erul PRI M Oa)Nro?u?h the wean to an other address or if use an a other thn the one provided Payments weekend or bank holiday will be posted to your Account as of the next business day. If you have, misplaced your epvelope.,.lien Your- payment to Discover Bank, PO Box 6103, Card SUeam, IL 60197.6103.- Please all6vi 7-tg days for delivery. IV *t payment is returned unpaid, vie reserve the nVI to resubmit it as an electronic debit. You can pa r minimum pa art or a greater amount over the telephone, and yyoou can set up automatic pa cents Call us at 1.800.347-2683. You will need this statement ay our bank account Information. You must ensure Vu sufficient funds are available In ur bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement 2i code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each ppaayment you authorize from r bank account and to initiate debit or credit entries to your bank account, as applicable lo correct an error in the processrpg of such pa nt. You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment however we musT receive notice at least three business days in advance of the scheduled payment. You may ndiW us by phone at 1-800-347-2663 or by mail at address listed in the previous paraprapt. If your payments may vary in amounl?we Will tell you on each monthly statement when your payment will be made and how much it will be. Your Autdm tic payment amount may less than ndkated on the monthly statement based on credits or payments applied during the billing cycle. 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 re the status and payment history of your Account to credit reporting agencies each month. If you bel' that our report is inaccurate or sitcom ate, please write us at the following address. Discover Classic Card, Pa Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance Ch s. Except as provided below, we will ir?tpose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the d the transaction occurs until the date of repayment and on Old Balances until the date of repsymenl 010 Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases 4 you pay the New Balance shown on the billing, statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement e%al or exceed your evious Balance. We call this the " race period". You do not have a grace period on balance transfers or cash advances errodle Finance Charges are Imposed on new balance transfers and cash advances bednnina with (lie date the transaction occurs. have Old on IS statement. Ir Your Account was closed as or: pt, September zr,19YU: or (1t,) August Jl,1uu7 and was tormany a ulscover® rnme stover National Alliance for Specks Survivaldi or Universal Studios Account or (iii So mbar 30, 2001 and was formerly a Discover tan Account will cap vYQW payment M Vyrioefc, E.tnance Chrrgea ir.,yM, ,rmY the 1J?W_la cy,sAOwn on this statement by the Payment. Due ! file Pay?his and Croats on this statement equal or exceed your rrevuus Balance. 0 erwlse, you will receive a billing statement next at includes PeV Finance Charges im d until the date of repayment to Periodic Finance Charges,aach da r to purchases, cash advances, balance transfers and find Balances (which we refer to as transaction by using the fdlowwig equation: Average Daily Balance x number of days in the bilk period x Daily Periodic Rate. (Refer, to the finance ummarryy OR the front of your statement for these amounts) Then we add all the Per'ic Finance Charges for each transaction category to total Perldic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the in a transaction category. as the two-cycle aver X daily balance iincludinp new transactions) method of calculating the balance upon which we impose Periodic Charges. This means U u did rid pay the New Balance shown on the billing statement you receWad durng the previous Dtihng period by nenl Due late, we win impose Periodic Finance Charges on new purchases That first appeared on that bit Ong statement as we as new in r late to on in the av on Charges which ire added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are a balance transfer transaction cat . U a transaction made in a previous bitg, period is itemized on this statement we consider the date to be the first day or the cumin billing period when we calculate your Perrodlc Finance Charges. For TOD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD DISC*VE17 MCWN, ROY C <nss Account number ending in 9362 mam- Discovere Card ranked #1 in Customer loyalty--for 11 years in a row! 'I've never been so impressed with a company that has looked out for my weii-being with timely reminder, papeuiess statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've gat a customer in me For life.' Lomas T.-Clevelond, Ohio Experience it for yourself at Discovacom *Aow ing to the 2006 broad Keys Customer Loyalty Eriip"oerA Wlex Report 02006 Disarer book. Alemba FDIC .. .. Closing Date: October 5, 2004 page 2 of 2 Request FREE Addttorwd Cords for your Account and shore your DiscoveriR) Card with the people closest to you. Call 1-800-DISCOVER or visit Discovercard.com/AdditionalCards to learn more. Hey Juniorsl We are searching for o"anding high school juniors to apply for the Discover(R) Cad Tribute Aword(R) 'Scholarship Program. More than $1 million will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www.Discovercard.com/fri6ute.htm. Lock Your CD Rate Today! Move fast to lock your Certificate of Deposit interest rate with Discover Bank's fast, Free and secure CD Electronic Deposit! It's the easy, safe way to fund a new CD or add kinds to a maturing Discover CD, directly from your bank account. Visit www.4scover6ank.com, Mention SC4Q04PC when you open your CD. Member FDIC. TRANSFER BALANCES TODAYI Call 1.800-767.7399 now or visit D4covercard.com to we what Balance Transfer rate is available for you. Pay off your loans, bills or take that dream vacation. B's a fast and easy way to save money! ;Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANAL Periodic Fee i Peric FINANCE ts Ro ta RATES WES C HARM current billing period; 30 days Purchases $6790.36 0.06984% 25.49% V 25.49% $142.25 none Cash Advances $2462.91 0.06984% 25.49% V 25.49% $51.60 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER CARD New Balance Minimum Payment Due $9,756.23 $423.00 Payment Due Date December 4, 2004 05 SDSN6A010003564 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card. You are overlimit. ray the sum of the monthly minimum payment plus the overlimit amount of 5256.23. Will your payment got to us on time? Pay your bill online and your payment can be mode to your account on the sane day. Visit Discover.com/payments today. PO BOX 71084 ?E?rrr??mrr??rmrr?r{rr?KIN CHARLOTTE NC 28272-1084 Address,a-mad or telephone change? Print change in space nniu1r1rrr1)11ur1n1u1u1(n(rr1nn1#1n11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625097562300000000042300 ---, --- --. __.._ ---------- Discover Card Account Summary ---._------- Closing Date: November 5, 2004 Pogo 1 of 1 Account number ending in 9362 Previous Balance $9,244.36 Payment Due Date December 4, 2004 Payments And Credits 0.00 Minimum Payment Due $423-00 Purchases + 307.07 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $4,800.00 Fk mrea Charges + 204.80 Cash Credit Available $0.00 New Balance = $9,756.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BOnus® Opening Coshbock Bonus Balance $ New Cashbock Bonus Earned + + 83.15 0.00 0.59 Cashback BoausaDAnniversa Cashback Bonus Balance . $ ry--------------------- Avail"i6I(Woem--- __ ____ T ---- Date: July 5 83.74 ---Off------ i How Can We Help You? 1. Visit Disc~xam to pay yaw b8 for no cos, view ya latest Account information, ern and redeem rewords as cl more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service our Discover Card available. options or to speak with a Customer Service Account Manager i Please have y 3 For TDD (assistance for heart ini) see reverse side Salt Write us at Discover Card, PO Box 30943, n8 Impaired) Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dace Other/miscelm"us Nov 5 Nov 5 LATE FEE $ 35.00 i Nov 5 Nov 5 OVERLIMIT FEE 35.00 Gas/Automotive Oct 19 Oct 19 KWIK FILL MECHANICSBURGPA 26.70 Oct 21 Oct 21 A & B AUTOMOTIVE MECHANICSBURGPA 112.36 Government services Oct 18 Oct 18 LISPS 4 1 348 7005 5 MECHANICSBURGPA 37.00 H me knpr mnent Oct 26 Oct 26 R F FAGER CO CAMP HILL PA 61.01 lnformatf on-l"or-You--- --------------------- ------- 'Your account is past due. Please pay your minimum monthly payment plus the past due amount Finance Charge Summary ! Nominal Transaction Avenge Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FWANCE Balances Rates RATES RATES CMARM CHARGES current billing period: 31 days Purchases $6944.38 0.06984% 25.49% V 25A9% $150.33 none Cash Advances $2515.92 0.06984% 25.49% V 25A9% $54.47 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. i 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. o Lost or stolen cards. Report immedialelyl Call 1-800-347-2663. rn Z M BOV Rights Summary. In Case of Errors or Ouestions About Your Bill: If u think your bill is wrong, or it you need more information about a o transaction onypur Di write us 0n a se rate sheet of paper at Discover tad; PO Box 30421. Sall Lake City, UT 84130-0421, as soon as possible. We must hear nom you no later than 60Pdays, after we sent you the first big on which the error or problem appeared. You can telephone us,' but o doing so will not preserve your rights In your letter, give us the following information: o .Your name and Atxounl number. -The dollar amount of the suspected error. • esscrribe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure v You (b 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 any action to collect the 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 with the merchant, you ma not have to pay the remaining amount due on the g9oods or services You have this protection only when he purchase price was more loan $ 0 and the purchase was made in your home state or wghin 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 of the amount or location of purchase.) 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 yyoouur account at the financial institution indicated on your check or to process the payment as a check transaction. It 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 electronic fund transfer funds may be withdrawn from your account ac soon as the same day we receive your pa t, and you will not receive your check back from your financial institution. The price of your payment may be delayed 0 you send cash, correspondence or other items with yyoour payment, if you send the payment to any other add or if you use an envelope other than the one provided. Payments received on or aster 1 PF1 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 envebpe,.send lrogr-payment to Discover Bank. PO Box 6103, Carol Stream, It. 60127-6103.- Please alow 7.10 days for delivery. It your payment IS returned unpaid, we reserve the rtpht to resubmit it as an ekcUoaic debit You can j ur minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1-800.347-2683. You will neetl tlhk statement and your bank account information. You must ensure that sufficient funds are available in your banlr 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 yyoouur ekctronle sigrialure, you will be agreeing to this authorization te allow us and your bank to deduct each payment you authorize from YVoouur blink account and to tniliate debit or credit entr ies to your bank account, as applicable to correct an error in the processing of such payment You muA leg us lase amount of taco payment a yorr can select an amount such as lase Minimum Payment Due a the New 831ance on each statement You can aocel a L h;eve r we must receive notice at least three business days in advance of the sche0ukd payment, You may no01.h us by phone at 1.800-347-2693 or mail at address listed in the previous pan raph If your pa nls may vary in amount we wig tell you -on thy statement when your payment will be made and how much d wi9?. Your Automatic payment amount may be less than ndicaled on the hlahlhy statement based on cre0its or payrtknls applied During Ne billing cycle. 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 reporL We normally report the status and payment history of your Accoun[ to credit reporting agencies each month. If you beNeue that our report is inaccurate a incomplete please write us at the following address: Discover Classic Card, PU Box 15316, Wilmington DE 19850.5316. Pleas! include your name, address, home telephone number and Account number. Perbdk FYmice Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances unUl the dale of repayment. Did Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line ba"nces You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the uichase first appears by the Payment Due Date, and the Payments and Credits on that statement eVI or exceed your Previous Balance. We call Phis the '"prace period'. You do not have a race fph*enod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance U S1111rs and cash advances beoinnin with the date the transaction occurs - n you pay lase new eatance shown on ors Durmg statement the Payment Due Date, and the Payments and Credits shown a exceed the Previous Balance we will not impose Periods Finance Charges on new purchases, that is purchases first nenl U your Account was closed as o(: (i) September 27,1999; or (U) August 31,2001 and was formery a Discover® Prime I Alliance for Species Survivae or Universal Studios Account, or (ir September 30, 2001 and was formerly a Discover u can ayeM payment q( Periodic Finance Charges if VON pay the N51._P_alapcp,shown on this statement DY the PaymePlDue and Gedms on Nis statement equal or exceed your ritmutis Balas,ec. Otherwise, you will receive a billing statement next oc k Finaqnce Charges imposed until the date of repayment Finance Charges. each d% for purchases, cash advances, balance transfers and Old Balances !which we refer to as transaction following equation: Ave Dally Balance x number of days in the Dillon period z Dairy Persodle Rale. (Refer te the finance front of our sUtement for these arraun(s.) Then we add all the Perk Finance Charges for each transaction categrory to mane attics for your Account The Average Dairy Balance is shown as 0 if no Periodic Finance Charges apply o the Ca ck avera9 dally balance (inclutlinap new Uansactbns) method of calculating the balance upon which we impose Periodic means it yDU did not pay the New Balance shown on the billing statement you received during the previous tidUng period Dy we wit smpose Periodic Finance Charges on new purchases that Rrst appeared on Nat Dilhng statement as well as new sat on Nis Bing statement, unless sve alreadyrmposed Periodic Finance har0es on the Durcbases on your prevous billing ad Balances are excluded tram the balance of the purchase and cash advance transaction categones Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were sub act to an initial spec"' rate that has been terminated due to a late payment or because you exceeded your Account credit limit are also include0 in the category until the initial special rate otherwise would have expired. In calculating the daily balance or the balance transfer transaction category on the fill day of the billing pedal, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers ,at become purchase rate balance transfers on th at day and we add that unpaid balance to the balance of the Durchase to??sactfoncate9orY Ail fees charged to your Account are added to the purchase transaction calegTry with the exception of Cash Advance Transaction Fee Kinance Charges which are added to the cash advance transacin category and Balance ranter Transaction Fee Finance Charges which are added to the ba"nee transfer transaction cat". bid a transaction made in a previous Chliin . period itemized on this statement, we consider the transaction date to be the first day of the c Difing period when we calculate your Periodic Finanis cc Charges. For TDD (Telecommunications Device for the Dear) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. `?+ New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $9,452.67 $211.00 Enter Amount Enclosed Below CARD Payment ?1 Due Date Jararary 4, 2005 Please make check payable to Discover Card or pay online @ Discovercard.com. 05 SDSN6AOt 0003565 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on timel Pay your ill online and your payment can be mode to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 lllrrrllurllurslslnlrls CHARLOTTE NC 28272-1084 Address, e-mail or telephone chonge?Print changeinspace jnlllllIluilrllrul ulilmllllenlulnlpill Illnrtloll lul) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625094526700000000021100 ---------- ---------- Discover Card Account Summary Closing Date: December 5, 2004 page 1 of 2 :Account number ending in 9362 Previous Balance $9,75623 Payment Due Date January d, 2005 Payments And Credits 600.00 :Minimum Payment Due $211.00 Purchases + 95.26 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $47.00 Balance Transfers + 0.00 ,Cash Credit Limit $4,800.00 Finance Charges + 201.18 Cash Credit Available $47.00 New Balance $9,452.67 You may be able to avoid Periodic Finance Charges, see the reverse side for details. tashback Bonus' Opening Cashback Bonus Balance $ 83.74 New Cmhback Bonus Earned + 0.00 + 0.23 `EashbackBonuseAnniversary ----------- Redeem 8ce .-------.----a --- 8000 Date: July 5 CONGRATULATIONSI Now that you award his $20 or more, you can redeem It in $20 ': increments by logging into the Account Center tat Discovercard.com or.by calling 1-877--YOUR-AWARD (1-877-968.7292). How Can We Het You? p I . Visit Discover cam to pay yaw be 6w as cost, view your latest Account information, acorn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1$00•DiSCOVER (347-2683) for fcmt, easy sslLeervice Tleaee have your Discover Card available, options or to speak with a Customer Service Account Manager iFor TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee use your Discover Card with confidence. Post D ? Date 'Paymomoh and Credits Nov 17 Nov 17 PHONE PAYMENT - THANK YOU $ b00.00 01her/Miscellaneous Nov 17 Nov 17 PAY BY PHONE PROCESSING FEE - DBT 5.00 Gos7Automotiva---------- Nor 23 Nov 25-PENSKE 11F U6-A51716W6ffHANICSBURGPA Dec 2 Dec 2 AMERADA HESS CORP HARRISBURG PA 20.00 For You ;Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01890%; corresponding ANNUAL PERCENTAGE ;RATE: 6.90%. Rate is subjed to the terms of the offer including expiration. 1 ,Through the generosity of our Cordmembers, Discover(R) Card has donated more than $14 million to the Make•A-Wish `Foundation(R). You can make a child's dream come true by electing to donate you Cashbook Bonus(R) award to the iMoke-A-Wish foundation. To learn how, please visit Discovercard.com or visit www.wish.org. r ;Protect your good credit during this busy Holiday season. ProfikPrdec*) helps you manage you credit, prevent identity 4heB & reduce your risk of fraud. ProfileProted provides a copy of your credit report, monitors your credit file every business day & alerts you to changes. Erroll today 1-866.708-0672 or Discovercor+d.com/ProfileProtect. DISCOVER CARD Discovere Card ranked #1 in Customer loyalty--for 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels ore unprecedented in the industry. You've got a customer in me for life." lames T-Cleveland, Ohio Experience it for yourself at Discovercom *Aaordmg a"2006 Brand Keys Cvtaaner toldy Eng q-ot W- R,eW 02000 D#"a BoA Member FDIC Closing Date: December 5, 2004 page 2 of 2 Give that someone special the gift that could only come from you. Discover(R) Gift Cards come in festive designs in i denominations up to $500, and are accepted most everywhere Discover Card is welcomed. Customize yours with a personal message when you order at Discovergiftcard.com. Not available to residents of CT, DC, MA, ME or NH. Every purchase you make with your Discover(R) Card earns you a Cashbock Bonus(R) award. You can redeem your award anytime it reaches $20, or you can Int it grow - it won't expire. Redeem your award online at Discovercard.com or call 1-877•YOUP AWARD (1-877-968.7292). Stay connected to loved ones this holiday season with thoughtful gifts from 1-800-FLOWERS.COM(R). Save 15%* on your next purchase when you use your Discover(R) Card and code DC88. Call 1-800flOWERS(R) (1 -800-356-93771, click www.18000oww3.com, or corns W *For detdils please visit www.180006wers.c6n/ iscidimer. This year, give FREE Additional Cords to the people you core about and build a bigger Cashbock Bonee(R) award, too. It's easyl To request FREE Additional Cards for your Account, just coil 1-800-MCOVER or visit Discovercard.com/AdditionalCards. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ?gls Rates RATES RATE CHARGES CHARM current billing period: 30 days Purchases $6940.31 0.07052% 25.74% V 25.74% $146.80 none Cash Advances $2570.32 0.07052% 25.74% V 25.74% $54.38 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as rated above. Questions? Manage your account at Discover.corn or call 1-800-DISCOVER (1-800-347-2683). Discewff MCLAIN, ROY C .: Account number ending in 9362 Brighter New Balance Minimum Payment Due DISCOVER $9,362.30 $209.00 CARD Payment Due Date February 4, 2005 OS SDSNSA01 0003566 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check p able to Discover Card or pay online * Discover d.com. Will your payment?et to us on time? Pay your Our online an your payment can be made to your account on the same day. Visit Discover.com/payments Way. PO BOX 71084 111rrr11rrr1jrrrr1rhalrh CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in spots a?r((un?rn n?ur((??na(n)n?u above, or go to Discover.com. Print your email address to 111111111114 receive important Account information and special offers. 000001986458271370625093623000000000020900 ------- ----- Discover Card Account Summary - Casing Date: January 5, 2005 page 1 of 1 iAccount number ending in 9362 Previous Balance $9,452.67 Payment Due Dale February 4, 2005 Payments And Credits - 300.00 Minimum Payment Due $209.00 Purchases + 0.00 ,Credit Limit $9,500.00 Cash Advances + 0.00 'Credit Available $137.00 Balance Transfers + 0.00 'Cash Credit Limit $4,800-00 Femwe Charges + 209.63 -Cash Credit Available $137.00 New Balance _ $9,362.30 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashbook Bonus Balance $ 83.97 New Cashback Bonus Earned + 0.00 Casftback Bonus Sciatce $ 83.97 ?Cashback Bonus® Anniversary Available t'o.Rede3ettt_ Date: July 5 CONGRATULATIONS1 Now that your award is $20 or more, you can redeem it in $20 increments by logging into the Account Center at Discovercard.com or by calling 1-877-YOUR-AWARD (1.877-968.7292). DHOW Can We Help You? 1. Visit Discover Am to Par your bill for no cost, view p latest Account information, cam and redeem rowand and mote 4's your choice - 3 ways to help 2. Call 14= DISCOVER (347.2683) for fast, easy self seMce Please have your Card available. options or to speak with a Customer Service Account Manager your For TDD (assistance for hearing impaired) see reverse side 3 . Write us at Discover Cad, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payrnenls and Credits Dec 31 Dec 31 PHONE PAYMENT - THANK YOU $ .300.00 Informatiort-For-You ---------- ----------- ----_----_- .-___----_ Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01890%; corresponding ANNUAL PERCENTAGE 'RATE: 6.90%. Rate is subject to the terms of the offer including expiration, ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee BQ r l at R R NCE ? C arces Ba l a tess ATES R C HARCM RATES ;current billing period: 31 days Purchases $6869.70 0.07121% 25.99% V 25.99% $151.65 none Cash Advances $2626.46 0.07121% 25.99% V 25.99% $57.98 $0 :The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Protect your good credit daring this busy Holiday season. ProfileProted(R) hWps you man" your credit, prevent identity "R& reduce your risk of fraud. ProfileProled provides a copy of your credit report, monitors your credit file every business iday & alerts you to changes. Erxoll today 1-866-708-0672 or Discovercard.com/ProfileProted. 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 Cardmembe( Agreement contains all the terms of your Account o Lost or stolen cards. Report immediately Call 1400-347-2683. i M BIWig RIyMs 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 sheet of paper at Discover Card; PO Box 30421, Sall Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 50 days after we sent you the first bill on which the error or problem appeared. You can lelepnbne us,'bul 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. • esorribe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure V You do not have to pay any amount in question while we are investigating, but you. are still obligated to pay the parts or your bill that are not in question. While we investigate your question, we, cannot report you as delinquent or ake any action to collect the amount you question. Special Rule for 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 maY not have to pay the remaining amount due on the 0ootls w services You have this protection onlIyy 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. (U we own or operate the merchant, or d we mailed you the advertisement for the goods or services, all purchases are covered regardless or the amount or location of purchase.) 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 yyoouur account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an eleectronk; fund transfer, the transfer will be for the amount or the check When we use information from your check to make an electronic fund transfer funds may be withdrawn from Your account ac soon as the same day we receive your pa nl, and you will not receive your check back from your )financial institution. The. pros?5sxxui00 Of yorrr payment may be tlelayed rT you send cash, correspondence or other items with ur paYmen? if send the payment to any other adereis or if you use an envelope other than the one provided. Payments received on or aft r 1 PM Monda)Nrough 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. ;end yair-payment to Discover-Bank, PO Box 6103, Carol Stream, IL 60197-6103: *Please allow 7-10 days for delivery. if your payment is returned unpaid, we reserve the tight to resubmit it as an electrons debit ou can paY Your minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1.800.347-2683. You will need is statement anC your bank account information. You must ensure at sufficient funds are avai ble in your bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement tip code. By entering those numbers as your electronic sgnature, You will be agreeing to Ns authwlzatron to allow us and your hNnk to tleduM each 11 ayment you autnonxe from r bank account and to initiate debit or credit entnes W your bank account as applkabk ton. rect an error in e rocessing of such pa nl You must leg us the amout each eyou can selct n mount sch as the )Pnt litre thNew Balnce n eh statement You can cencl L however we must reve nai ast three uiss days in advaot the schduled paYou no0ry us by phone at 1.800.347by mail t ress ided m lie s raIf youpa enavary n unwe tell yoon ach rtwrilhly statent her payment will be and how much it Your utomtic paent aunt my less thnicled on the monthly statmnt bon credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. U you believe that our report Is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PQ Box 15316, Wilmington DE 19850.5316. Pie. i.rude your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we will irgpose Periodic Finance Charges on purchases, cash advances and balance transfers beginning will the dale the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Did Balances are cemprisetl of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing, statement on which the Durchase first appears by the Payment Due Date, and the Payments and Credits on that statement eGUal or exceed your evious Balance. We call Nis the "grace period". You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance Iransrers antl cash advances Oegitning with the date the transaction occurs. Periodic Finance Charges are imposed on a transactions and Old Balances until the date of repayment Repayment means W nt of your entire New Balance. However ii you pay the New Balance shown on this billing statement p, the Payment Due Date, and the Pa enis and Credits shown on this statement eci a) or exceed the Previous Balance. we will not impose PeriodiE Finance Charges nn new manhac c rhar k n„rcha- n,•r 3gpp:shown on this statement by the Payment Due 4herwfse, you will receive a billing statemenu next and Old Balances (which we refer to as transaction period x Dairy Periodic Rate. (Refer to the finance Finance Charges for each transaction category to as 0 if no Periodic Finance Charges apply to the ce avep0e "fly balance (incluwng new transactions) method of calculating the balance upon which we im means if you did not pay the New Balance shown on the billin'11I statement you received duff the previous bill we will impose Periodic Finance Charges on new purchases at first appeared on that lot n statement as ear on this Will statement unless we already imposed Periodic Finance Charges on the Curchases on your pi e the_aveiage daffy balance for each transit tion category by adding up all the daily balances in a billno are appeaa against the balance of the the previous day's daily balance" to to an in the Charges which are added to the cash advance: U3nsac6on catagory and Bagnce°fr5niter Traniaeliiin Fee Finance Charge wAicn are balance transfer transaction category if a transaction made in a previous DiOin rind K Itemized on this statement we consider the date to be the first day of the current billing period when we caiculate your PerioOic Finance Charges. For TOD (Teheeommunicallons Device for the Deal) assistance, please call 1-900-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC New Balance DISCOVER $9,779.62 CARD 05 SDSN6A010003567 MCLAIN, ROV C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Minimum aymenF Account Number ending in 9362 $427.00 Enter Amount Enclosed Below Payment pue Date March 4, 2005 Phase make check payable to Discover Cad. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $279.62. Will your payment get to us on times Pay your bill online and yaw payment can be made to your account on the some day. Visit Discover.com/payments today. PO Box 71084 Ill is 111111 1191 CHARLOTTE NC 28272-1084 Address, "oil or telephone change? Print change in space Iulriln,innlrllnrlnlrlrrrlliinrlrnlulullnnlulntlrlnli above, or go to Discovw.corn. Print your a-mad address to receive important Account information and special offers. 000001986458271370625097796200000000042700 Discover Card Account Summary Account number ending in 9362 Payment Due Dote March 4, 2005 Minimum Payment Due $427.00 Credit Limit $9,50090 Credit Available $0.00 t Cash Credit Limit $4,800.00 Cash Credit Available $0.00 Closing Date: February 5, 2005 page I of I Previous Balance $9,362.30 Payments And Credits 0.00 Purchases + 205.41 Cash Advances + 0.00 Balance Transfers + 0.00 Finwice Charges + 211.91 New Balance $9,779.62 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Opening Cashback Bonus Balance $ 83.97 New Cashbock Bonus Earned + 0.00 + 0.34 Cashback BonusD Anniversary_ _ _ _ _ - _ .. _ _ _ _ - • _ Cashbock Bonus Balance $ 04.31 Op-_-..._.. Availablefoffideeiti----------- -.3-----.'1f Dole: July 5 , How Can We Hel You? P I . visit Dbcover com to pay yaw biN for no cost, view r latest Account information, earn and redeem rewards and more ;It's your choice - 3 ways to help 2. Cal! 1-800 DISCOVER (347-2683) for tact, easy selF-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired( see reverse side 3. alt us at Discover Card, PO Box 30443, Sar Salt Lake City, UT 84130 i'ransoctions $0 Fraud Liability Guarantee Use yaw Discover Card with confidence. Trans. Post Dale Date 01her/Miscel6neous Feb 5 Feb 5 LATE FEE $ 35.00 Feb 5 Feb 5 OVERLIMIT FEE 35.00 r Gas/Automotive Jan 4 Jori 6 PENWE TRK LSG 451710 MECHANICSBURGPA 75.35 Jan 5 Jon 6 GTGO FOOD MART MECHANICSBURGPA 48.35 9700016020 Horns knprovamant Jan 5 Jan 6 SHERWIN WILLIAMS #5167 MECHANICSBURGPA 11.71 information-.ForYou- -- __ Your account is past due. Please pay your minimum monthly payment plus the post due amount. 'Finance Charge Summary Average ? ? Nominal R NT S Transaction Periodic as F Daily P en 0 is PE CE AGE AGE FINANCE B}°I°nces Rates RATES RATES CHARGES CHARM current billing period: 31 days Purchases $6914.80 0.07121% 25.99% V 25.99% $152.64 none Cash Advances $2685.06 - 0.07121% 25.99% V 25.99% $59.27 $0 r The rotes that apply to your Account are either fixed IF1 or they may vary M as noted above. Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account o Lost or stolen cards. Report immediateyl Call 1400.347-2683, z m Burry Rkjlft Summary. In Case of Errors or Ouestions About Your Bill: If 9u think your bill is wrong, or it you need more information about a o transaction on Your bit, virile us pn a se rate sheet of paper at Discover L9rd; PO Box 30421, Salt Lake City, UT 64130.0421, as soon as possible. We must hear from you no later than 6 days after we sent you the first bill on which the error or problem appeared. You can telephone us., but g doing so will not preserve your rights In your letter, give us the following information: o .Your name and Account number. -The dollar amount of the suspected error. -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure v You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we, cannot report you as delinquent or take any action to collect the amount you question. Special Ride 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 pprroblem with the merchant, you may not have to pay the remaining amount due on the s or services You have this protection only when ilia purchase price was more than 250 and the purc hase was made in your home stale or w hin 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. Send only your payment and the lop portion of this statement in the envelope provided Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from y1our account at the financial institution ntlcaled on your check or to process the payment as a check transaction. U pa akent 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 m an electronic fund transfer funds may be withdrawn from your account as soon as the same dal we receive your pa nt and you will not receive your check back from your 1Mancial institution. The processMO of your paymnt maYv be delayed rT you send cash, correspondence or other Items with Your payment if send the payment to any other add s or if you use an envelope ar than the one provided. Payments receivetl on or atat 1 PFI Mondayyothurough Fritlay or on a weekend or bank holiday will be posted to your Account a; of the next business daY. If you have, misplaced your enveWpe,..send 1rour,paymenl to Discover Bank, PO Box 6103, Carof Stream. 1 60197.6103. Please allow 7.10 days for delivery. if yddr payment is returned unpaid, we reserve the It to resubmit it as an electronic debit You can paY Your mMrmum payment or a greater amount over the telephone, and Yyoou can set up automatic payments Call us at 1-600.347-2683. You will need this statement and Your Dank account information. You must ensure that sufficient funds are avahble m ur bank account, and all transactions must Cornpry with U. S. law. You will be asked to provide the first 5 digits of your account statement zi?code. By entering those numbers as your elec r k; signature, you will be agreeing to this authorization to allow us and your bank to deduct each ppaayment you authorize from your bank account and to initiate debit or credit entries to your bank account as applicable to correct an error in the processing of such payment You must leg us the amount of each payment or you can select an amount such as the li immum Payment Due or the New Balance on each statement You can cancel a nt however we must receive notice at least three business 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 para0rapn. It your pa ents may vary in amount :e will tell you on each monthy, statement when your payment will be made and how much it wig be. Your Automatic payment amount may less than mdreated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed pa ents, or other defaults on your account may be reflected in your credit report We normally reppoprrtt the status and payment Nstory of your Account to credit reporting agencies each month. If yyoouy believe that our report is inaccurate or Mcompkte, please write us at the followin g address'. Discover Classic Card, PU Box 15316, Wilmington-DE 19850.5316. Please Include your name, address, home telephone number and Accou I. number. Periodic Fiance Charges. Except as provided below, we will impose Perodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs unUl the date of repayment and on Old Baances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement aaual or exceed your Previous Balance. We call this the "grace period". You do not have a grace Deriod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginning with a date the transaction occurs. Periodic Finance Charges are imposed on all transactions and Old Balances until the date of repayment Repayment means W ent of your entire New Balance. However If you pay the New Balance shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance we will not impose Periodic Finance Char s on new purchases, that r purchases first appearing on this statement N your Account was closed as of: (i) September 27,1999: or 111) Auguslg31,2001 and was formery, a Discover® Prime Option, over National Alliance for Species Surviial® or Universal Studios Account or (iii Sepember 30, 20D1 and was formerty a Discover Smilhxnten.ACCarnl, yrw cap 7!v. payment of -or' . Finance Charges if_tr. n.j pay the N-w_ lapcy.sbown on this statement by the Payment Due ir.uti a:d ilre Payrtien(s and Ciedds on this statement equal or exceed your evruus Bali ce. Oteerwise, you will receive a billing statement next on we calculate your I= and Old Balances (which we refer to as transaction period x Daiy Periodic Rate. (Refer to the finance Finance Charges for each transaction cate00oorry, to as 0 H no Periodic Finance Charges apply 0 the alrng the balance u which we impose Periodic you received durrn the previous billing period by a red on that bi no statement as well as new T arges on the DDurchases on your previous billing p all the daily balances in a billing period for a tie the daily balance for each transaction category at day,, fees charoed that day and Periodic Finance /menu that are applied against the balance of the we consider the previous day's dairy balance" to goner SW!cial rate balance transfers and Balance ategory. alance transfers that were sutgect to an four Account credit limit are also Included in the ce of the balance transfer transaction category on action Fee Finance Charges and balance transfers alance of the purchase transaction ?alegay lionn Fee Finance CChharges TwhichCare adF a dFito the :ed on this statement we consider the transaction For TOD (Telecommunicatlan Device for the Deal) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD New Balance M59,712.21 Payment Due Date April 4, 2005 05 SDSN6AOI0003588 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $1 Please make check payable to Discover Card. You are overimit. Pay the sum of the monthly minimum payment plus the overimit amount of $212-21. Wig your payment get to us on time8 Pay your big online and your payment can be made to your account on the same day. Visit Discoverncom/payraenh today. PO BOX 71084 111219111111111111111111111111 CHARLOTTE NC 28272-1084 Address,a-moil or telephone change? Print change in space (ul?llrrhnl?ll?ulu(?Inillll?nlnln?nllnlululrlnl) above, or go to Discover-cam. Nrd your e-mail address to receive important Account information and special offars. 000001986458271370625097122100000000021600 - - - - - - - - - - - - - - - - - Discover Card Account Summary Closing Date: March 5, 2005 page 1 of 2 !Account number ending in 9362 Previous Balance $9,779.62 Payment Due Data April 4, 2005 Payments And Credits 500.00 Minimum Payment Due $216.00 Purchases + 241.21 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 'Cash Credit limit $4,800.00 Finance tlnarges + 191.38 Cash Credit Available $0.00 New Balance $9,712.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaShback BORUS® Opening Cashback Bonus Balance $ 84•.31 00 0 New Cashbock Bonus Earned + . + 0.49 ;Cashbacic Soaus® Anniversary - - - - - - - - - - Ccish Bolliss gp(gRce --vin blo to Reireetn - $ $ 04.,84.. _ 80.00 Dare: July 5 CONGRATULATIONSI Now that your award its $20 or more, you can redeem it in $20 increments by logging into the Account Center at Discovercord.com or by calling ;1.877-YOUR-AWARD (1-877.968-7292). How Can We Help You? 1. visit West Account i nlifro payormationy, earn ar f>al and dr red dieem =.L am moro It's your choice - 3 ways to help 2. Call "00-DISCOVER (347-2683) for fast, easy self-service d M A anager ecom optics or to speak with a Customer Service Please have your Discover Card available. 3. Write us at Discover Carl, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Solt Lake City, UT 84130 :Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Pont Dale Dale i '.Payments and Credits Feb 14 Feb 14 PHONE PAYMENT-THANK YOU $ 500.00 pthar?fyN:odlahwous Feb 14 Fab 14 PAY BY PHONE PROCESSING fEE • DBT 10.00 - ---- -Mars -Mnr5`- OVERUAMf•FEI"- - --- -- ------. .Gas/Automotive Feb 23 Feb 23 PENSKE TRK ISG 451710 MECHANKSOUROPA 196.21 `Information For You While we are permitted under the Cardmember Agreement to terminate any introductory or special rate because your Account was overlimit, we have chosen not to do so at this time. We reserve the right to terminate these special rates and to increase the APRs an your Account if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. seethe Default Rate Plan section of the Cardmember Agreement for details. Balance Transfer offer for current billing period: Daily Periodic Rote: 0.01890%; corresponding ANNUAL PERCENTAGE RATE: 6.90%. 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 additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. o Lost or stolen cards. Report immediately! Call 1400-347-2683. V) BUNq RIOU Summ" In Case of Errors or Ouestions About Your Bill: If you think your bill is wron or it you need more information about a o transaction on yyppur bit write us on a separate sheet of paper at Discover Card; PO Box 30421, Sall Lake City, UT 84130-0421, as soon as possible. We must hear lrom you no later than 60 days, after we sent you the first big on which the error or problem appeared. You can telephone us,' but o° doing so will not preserve your rights In your etter, give us the following information: O Your name and Account number. n -The dollar amount of the suspected error. -Describe the error and explain, d you can, why you believe there Is an error. If you need more information, describe the item you are unsure You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts or your bill that are not in V 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 you ma not have to pay the remaining amount due on the goods or services You have this protection only when the purchase price was more than S50 and the purchase was made in your home slate or wi hin 100 miles of your mailing g? address. (If we own or operate the merchant, or g we mailed you the advertisement for the goods or services, all purchases are covered regardless the amount or location of purchase.) 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 pr account at the financial institution indicated on your check or to process the payment as a check transaction. If pa menl 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 edpayment, and you will not receive your check back from your linanncial institution, any olheroaddres oo if use a r uyou payment eaifvebpe?o(her than the One prov?deQ?PaymentsreLesareEeons wnafferui T. went, . nda?tAreungh F?day oreon a weekend or bank hogday will be to your Account as of the next business day. If you have, misplaced your envek' ;end your-payment to Discover Bank, PO Box 5103, Carol Stream, It. 60197.6103: Please allo?r 7.10 days for delivery. II your payment is returned unpanf, vie reserve the right to resubmit it as an electronic debit You can pa ur minimum payment or a greater amount over the telephone, and you can set up automatic payyments Call us at 1-800.347-2683. You wig need this statement arM 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 zi code. By entering those numbers as your ele ctrcoic signature, you will De agreeing to this autnorixation to alNrw us and your bank to deduct each payment you a- or" from r Dank account and W infliafe debit or credd entrx s to your bank account as appl'icabk to correct an error in tits processing of, such pa nt You must tell us the amouneach payment, a y? can select an amount such as the Minimum Pryment Due or the New Balance on eacA stalement You can cancel a nL however we must receive notice at least three business days in advance of the scheduled paymen, You may notHy us by phone at 1.800.347or by mail at address listed m the previous Paragpraph. If your payments may vary in amount?we will tell Amatc paenounmay less n you on each monthly statement whpaent ll De made and now much rt. will uruo mdealed on the monlhy atembon credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account ma be reflected in your credit reporL We normally report the status and payment history of your Account to credit reporting agencies each month. If yWy begpve that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PO Box 15316, Wilmington, DE 19850-5316. Please Include your name, address, home telephone number and Account number. Periodic Fbrarrce Chagos. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the ° ace 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 be(Pnniw with he date the transaction occurs Periodic Finance Charges are imposed on all transactions and Old Balances until the date of repayment Repayment means pa ent of your entire New Balance. However if you pay the New galari?e shown on this billing statement the Payment Due Dale, and the Payments and Credits shown on this statement equal or exceed the Previous Balance we will not impose Periodi Finance Char on new purehases, that rs purchases first apppeearing on this statement. U your Account was closed as of. (i) September 27,1999; or (ii). Augusl?31,2001 and was formerry, a bmovers Prime Opt on. Uscover National Alliance for Specks Survivals or Universal Studios Account. or (inss September 30, 2001 and was formerly a Discover Smi!hscnten.Account, you cap ?.. payment of.P,erloiic. Finance Charges .fay Ins N•w_Wane shown on this statement by the Payme.M.Due uare and li Paymenis_antl -1 on this staserrienl equai_or exceed your iverkius Bah$ee. Otherwise, you will receive a billing statemeA next in a we e transfers and Balance that were subject to an re also included in the transaction cateoorv on are a are the For TOD (Telecommredeatlons Device for the Deaf) assistance, please cam 1-900-347-7449. The Discovers Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD ? MCIAIN, ROY C 1 kvSw ] DI??I.VER Account number ending in 9362 Discover' Card ranked #1 in Customer loyalty'-for 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." times T.-Cleveland, Ohio Experience it for yourself at Discovenown eAcw.6 g to die 2008 Bend Keys Co"_ loy* &q q..o Index Report ®2008 D'ncorer Bank, Member FDIC (lasing Date: Mardi 5, 2005 page 2 of 2 Popedess statements can lumpstart your spring cleaning! Get rid of the excess paper in your life by receiving your Discover(R) Card statements online instead of by mail. You'll get an e-mail letting you know when your statement is ready to view online. You can even pay your bill online while you're there. Go to Discovercord.com to sign up. Discover Financial Services is proud to welcome Junior Achievement as a Cashbock Bonus(R) Charitable Partner. They loin our current charities, JDRF and Make-A Wish. To donate your Cashback Bonus(R) or learn more, visit Disco%wcard.com. Finance Charge Summary Ave rage a l Nominal ANNUAL Transaction ANNUAL F aily ri ?ic Pe APEKENTAGE PSMITAGE FINA a FiNNANa BownceE Rates RATES RATES--- CHARAMS CHARGES current billing period: 28 days Purchases $6857.17 0.07121% 25.99% V 25.99% $136.71 none Cash Advances $2742.03 0.07121% 25.99% V 25.99% $54.67 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discwer.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 9362 DISC?VER $9 432.06 $210.00 Enter Amount Enclosed Below CARD Payment Due Date May 4, 2005 Please make check payable to Discover Card or pay online 0 Discovercard.com. 05 SDSN6A01 0003569 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Wig your payment get to us on time? Pay your bill online and your Payment can be made to your account on the some day. Visit Diseovereom/payments today. PO BOX 71084 1111111111 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space li,Irllnlrtill 11116li,Inir,111th,ilulrrlr,llislsili,lrl,rll above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458271370625094320600500000021000 Discover Card Account Summary Closing Date: April 5, 2005 page 1 of 2 Account number ending in 9362 Previous Balance $9,712.21 !Payment Due Date May 4, 2005 Payments And Credits 500.00 'Minimum Payment Due $210.00 Purchases + 9.51 Credit Limit $9,500.00 Cash Advances + 0.00 'Credit Available $67.00 Balance Transfers + 0.00 'Cash Credit Umit $4,800.00 Finance Charges + 210.34 ;Cash Credit Available $67.00 New Balance $9,432.06 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 8onus® Opening Cashback Bonus Balance $ 84.80 New Cashback Bonus Earned + 0.00 + 0.02 Cashback Bonnsb-Anniversory Cashback Brsnvs Balance . , . - - _ - Available to Redeem $ 84 82 80.00 ;Date: Julys ,How Can We Help You? 1. Visit Discaver com to pay y bill for no cost, view your kftd Account information, earn and redeem ,awards aid moro ;It's your choice - 3 ways to help 2. Call 1-8=1SCOVER (347-26831 for fast, easy self service options or to speak with a Customer Service Account Manager Pbass hays your Discover Card available. Y °U 3. Write us at Discover Card, PO Box 30943, For TDD lassistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guaraitee Use your Discover Card with confidence. Trans. Post Date Date :Payments and Credits Mar 19 Mar 19 PAYMENT-THANK YOU $ -500.00 Hn?. 6enenwrr?.r.r Mar 24 Mar 24 THE HOME DEPOT 4120 MECHANICSBURGPA 9.51 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0,01890%; corresponding ANNUAL PERCENTAGE RATE: 6.90%_ Rate is subject to the terms of the offer including expiration. 'Finance Charge Summary Nominal Transaction Average Daily ??? ANNUAL Periodic Fee Daiy Periodic P RCEWAGE PERCENTAGE HNANa F NANCE Balances Rates RATES RATES CHARSsB CHARGES current billing period: 31 days Purchases $6728.35 0.07121% 25.99% V 25.99% $14B.52 none Cash Advances $2800.23 0.07121% 25.99% V 25.99% $61.82 $0 :The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. .`What if your credit Falls into the wrong hands? Reduce your risk of identity theft and credit fraud with ProfibProtset(R). This comprehensive service helps safeguard you against misuse of your personal credit information. Visit Profillefrotect.com/sale :for more information or to enroll. Important Information. If there is more than one page W 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 o Lost or stolen cards. Report immediately! Call 1400-347-2653, in w Billing Rights Swjmary In Case of Errors or Ouestlons About Your Bill: If you think your bill Is wrong, or it you need more information about a o transaction on Your DiIf write us on a separate sheet of pacer at Discover L d; PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible We must hear from you no later than 60 days, alter we se l you the first bill on which the error or problem appeared. You can telephone us,lbut o° doing so will not preserve your rights In your etter, give us the following information: o .Your name and Account number. N .The dollar amount of the suspected error. •DesculIribe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure Youu ig 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. Spec tat 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 nave tried in good faith to correct the problem with the merchant ou mayy not have to pay the remaining amount due on the ggoods or services You have this protection only when the purchase price was more than $50 and the purc ha se was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 menl 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 pa rat, and you will not receive your check back from your )financial institution. The processing of your payment icy be delayetl iT you send cash, correspondence or other items with your payment, if you send the payment to any other address or g you use an erFnekipe other than the one provided. Payments received on or after 1 PRI Monday through Friday or on a weekend or bank holtiv will be posted to your Account as of the next business day. If you have, misplaced your envelope., send ur_gayment to Discover Bank PO Box 51113, Cam[ Stream. IL 60197.6103.- Please allow 7-10 days for delivery. If your payment is returned impak?we reserve the right to resubmit it as an electronic debit You can pay rr minimum payment or a greater amount over the telephone, and you can set up automatic payments GII us at 1.800.347-2683. You will ne is sptement,arW 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, Cu will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from Your bank account and to inibis debit or credit entries to your bank account as applicable to correct an error in the processing of such payment You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on eacn statement, You can cancer a L nowevi r we must receive notice at least three business days in advance or the scheduled payment You may notify us by phone at 1.800-3 7- 683 or by mail at address listed in the previous paragprraph. If your pa enls may vary in amounl? we will tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may 6e less than indicated on the monthy, statement based on credits or payments applied during the billing cycle. Credit Raper". We may report information about YYoauur account to credit bureaus Late payments, missed payments, of other defaults on your account may be reflected in your credit report. We n rd malty reppoorrtl the status and payment history of your Account to credit reporting agencies each month. H Vyoqtp1 believe that our repel is inaccurate or inrnmpkle, please write us at the following address Discover Classic Card, PO Box 15316. Wilmington "DE 19850-5316. Please Include your name, address, home telephone number and Account number. Periodic Flounce Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the OafCee the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing, statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement eCUal or exceed your revious Balance, We call this the 'oface period'. You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance tran?ers and cash advances beV? with the date the transaction occurs. Periodic Finance Charges are imposed on all transactions and Old Balances until the date of repayment Repayment means pa rent of your entire New Balance. However it you pay the New Balance shown on this billing statement bV the Payment Due Dale, and the Paymennd Credits shown on this statement aqua) or exceed the Previous Balance we will not impose Periotl Finance Charges on new purchases, that is purchases first apppeearingp on Nis statement If your Account was closed as of: (t) September 27,1999; or (il) August 31,2001 and was formerly a Discovere Prime Optron. LTUCOYer National Alliance for Specks Survival® or Universal Studios Account or (iii September 30, 2001 and was formerly a Discover ?mi!hsen!an.ACt?.int You cap avgid pltymenl qr periodic Emance Char98l i(Yg!) pay Ind NsY?_ la ce,shown on this statement Dy the Payment_ Due dare and 'die Payments and Eirxhts on this slaieinenl equal of exceeu yuvi rieviuus Balwi e. Ot erwfse, you win receive a billing stalemeut next month that inclpdas PerM Finance Cha Imposed until the date of repayment. We co to artodic Finance Charges. each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categoriesrg using the following equation: Average Wily Balance x number of days in the billing period x Daily Periodic Rate. (Refer to the finance charge wmr P7 on N4 front of your statement for these amounts.) Then we add elf the Periodic Finance Charges for each transaction calevgy, to get a total Pddic Finance Charges for your Account. The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply lo the balance in a transaction category. We use the two-cycle average dairy balance (including new transactions) method of calculating the balance upppaaan which we impose Periodic Finance Charges. This means g you did not pay the New Balance shown on the billing statement you received dung le previous billing period by the Payment -Due Date, we will impose Periodic Finance Charges on new purchases that first appeared on that biimg statement as we as new are the were subject to an so Included in the t:nirges wmcn are action to me casn aewnce uansaceon category and narance transfer nansaction fee rmance unarges wnicn are a balance transfer transaction cats gpooryry If a transaction made in a previous billing D4rood Is itemized on this statement we consider the date to be the first day of the current billing period when we calculate your Perk>aic Finance Charges. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. C sing Date: MCIAIN, ROY C DISCOVER April 5, 2005 Account number ending in 9362 CARD - ge2oF2 Cashback Bonus' Award Summary Cao LLV rijiVersary Date: July 5 Balance Previoiis..Ctish6b& Bonus Award Balance $ 84,80 Purchase Awar8 This Period + 0.00 0.02 Cas . " ac Bonus Awar Tbta 84.82 Cash6ck B&Wi Awdrd. 966 ice Award Available to Redeem 84.82 $ 80.00 Restrictions apply to the Cashbock Bonus PaM offers visit Discover cpm or -0 1-80Qa5COVE-R (I -800.347.26831 For details. For program details, see the Cashback Bonus terms and Conditions. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $9,431.52 $210.00 Enter Amount Enclosed Below CARD Payment Due Date $ .P June 4, 2005 oke check payable to Discover Card or Pleal pay online Discovercard.com. 05 SDSNSA01 0003570 MCLAIN, ROY C WrAya4t payment gotto.us on time2 Pay our nA onftne and your payment can be 5252 E TRINDLE RD y nwdeito your account on the sameday. Visit MECHANICSBURG PA 17050-3526 Dised"r eomlpoyMents today. PO BOX 71084 {{{oi{{m{{nn{e{n{e{e{ CHARLOTTE NC 282724164. Address, e-mail or telephone change? Print change in space ?rn?n??u?un(r(?in{uleliu?{??ui{ii{n?n?{rr{u?u{r{n?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625094315200000000021000 ---------- Discover Card Account Summary ----------- Closing Date: May 5; 2005 page 1 of 2 ;Account number ending in 9362 Previous Balance $9,432.06 'Payment Due Dole June 4, 2005 Payments And Credits - 300.00 'Minimum Payment Due $210.00 Purchases + 95.53 'Credit Limit $9,500.00 Cash Advances + 0.00 'Credit Available $68.00 Balance Transfers + 0.00 `Cash Credit Limit $4,800.00 Finance Charges + 203.93 `Cash Credit Available $68.00 New Balance = $9831.52 You may be able b avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashbook Bonus Balance $ 84.82 New Cashback Bonus Earned + 0.00 + 0.24 Cashbook BonusO Anniversary C° hack Bppy $ cuice 80.06 - ;Dote: July 5 Aral ble to Reftern CONGRATULATIONSI Now that your award sis $20 or more, you can redeem it in $20 ;increments by logging into the Account Center at Discovercard.com or by calling 1.877 YOUP-AWARD (1.877-968-7292). i 1. Visit Disceverr corn to pay your bill for :H no cost, view your ow Can We Help You? latest Account information, earn and redeem rewards and more it's your choice - 3 ways to help 2. Call T-BWDISCOVER (347-2683) For fast, easy selfservice options or to speak with a Customer Service Account Manager .Please have Discover Card available. your 3. Write us at Discover Card, PO Box 30943, ;For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 'Transactions $0 fraud Uabt$fty Guarantee Use your Discover Card with confidence. Trans. tDPost ate Payments and credits Apr 28 Apr 28 PHONE PAYMENT. THANK YOU $ 300.00 Gas/Auromotive Apr 4 Apr 6 KWIK FILL MECHANICSBURGPA 10.00 &-•--Afw*--PENSKffiRK-ISG,t51710-MECHAMMURGPA---- information For You 'Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE ;RATE: 9.90%- Rate is subject tothe terms of the offer including expiration. Call 1.877353.0986 today or visit Discovercord.cmn to find out if you qualify fora valuable Balance Transfer offer. It's a 'fast and easy way to save moneyl !The DiscoNer(R) Gift Card is a festive, prepaid card that works just tike a credit card =. at malls, online and most everywhere fthe Discover Card is welcomed. The Discover Gift Card a the perfect gift for everyone and every occasion, so your ,gift-giving possibilities are endless. And think of the time you'll save shopping and giftwrapping. Build Your Savings on YOUR Sche"I Open a Discover Bank Money Market Account and sign up for AutoSavers today! Save money for whatever you wish by scheduling weekly, biweekly or monthly deposits into your Accound Visit Discoverbank.eom. Member FDIC. 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 o Lost or stolen cards. Report immediatelyi Call 1400-347-2683. Z m 1t88ng k1% ghts Summ In Case of Errors or Ouestfons 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 Card; PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 611 days after we sent you the first bill on which the error or problem appeared. You can telephone us,1but o doing so will not preserve your rights. In your letter, give us the following information: o .Your name and Account number. N .The dollar amount of the suspected error. w •Dpessccrriibe the error and explain. K you can, why you believe there is an error. If you need more information, describe the item you are unsure You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the 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 Bilk 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 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 purc ha se was made in your home state or within 100 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 Dr the amount or location of purchase.) Payments. ed only your payment and the top portion or this statement in the envelope provided. Do not send cash. By sending your check as described indicated on you che ck oorize us?use Information on your check to make an electronic fund transfer from your account at the financial institution be for the arm rat or the checkm When the we?ymenl as a check transaction. If payment is processed as an electronic fund transfer, the transfer will fe Information from your check to make an electronic fund transfer funds may be withdrawn from your account ac soon as the same day we receive your pa rat, and you will not receive your check back from your financial institution. T oth er adore pr your payment may be delayed rc you send cash, correspondence or other items with your payment, if u send the payment to any it you use an envelope other than the one provided. Payments received on or offer 1 PIN Monda through Friday or on a weekend or bank holiday wig be posted to your Account as of the next business day If you have. misplaced your envelope,-send, your_payment to Discover Bank i 0 Box b103, Carol Stream, IL 60197.6103: Please alcw 7.10 days for delivery. If your payment is returned unpaid we reserve the right to resubmit it as an electronic rlebil You can r minimum payment or a greater amount over the telephone, and You can set up automatic payments Call us at 1-800-347-2683. You will nepa ed this statement anCC 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 code. By entering those numbers as your electronic signature. Wu will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from gour bank account. and to initiate debit or credit entries to your bank account as applca a to correct an error in a processing of such payment You must ten us the amount of each payment, or u can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a nt, however we must receive notice at least three business days in advance of the scheduled payment. You ma notKy us by phone at 1.800.347.2683 or mail at address listed in the previous paragraph. K your payments may wry in amount we will tell yoU on each monthy, statement when your payjment will be made and how much it will V Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at the following address Discover Classic Caro PD Box 15316. Wilmington DE 19850.5316. Please Include your name, address, home telephone number and Account number. Periodic Finance Charles. Except as provided below, we win impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dole the transaction occurs until the date or repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the GurcMse first appears by the Payment Due Dale, and the Payments and Credits on that statement a seal or exceed your Previous Balance. We call this the "Grace period". You do not have a grace ppeerriod 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 repayment Repayment means r rent of your entire New Balance. However it you pay the New gaurlCe shown on this Dillin9 statement by the Payment Due Date, and the Payments antl Credits shown on this statement eoua) or exceed the Previous Balance. we WIN not r Dose Period Finance Charges on new ourcha s that is. Durchases first p on this statement 9 your Account was cbsetl as of. (f) September 27,1999; or III) August-31,2001 and was formerly a Discover® Prime Ascover National Alliance for Jos Survivalt9 or Universal Studios Account; or (fri Se ember 30, 2001 and was form:1 a Discover rizn Account. ynu cop a. pa .rent of Periodic Finance Chargp$ if_yny pay trio to cle sAOwn on this statement Dy thayment Due i ihC Pa m its n and G on this sulegrenl equal or exceed yuw nevwus Ba ai?ee. erwise, you will receive a billing slalernma next at includes Perkdic Finance Charges imposed until the date of repayment. in Mte Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction es susing the followinequation: Average Daft' Balance x number of clar in the bill:p period x Daily Periodic Rate. (Refer to the finance umrrgry on the front of-your statement for these amounts) Then we add all the Periodc Finance Charges for each transaction categgory to tool Periodic Finance Charges for Your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply -lo the in a transaction category, se the two-cycle average daily balance (including new transactions) method of calculating the balance u n which we impose Periodic Charges. This means K you did not pay the New Baunee shown on the billing statement you received dun the previous bilhng nod by nenl-Due Date, we will impose Periodic Finance Charge s on new purchases oral first appeared on that Df mg statement. as well as new is that first appear on this baina statement. unless we already imposed Periodic Finance Charges on the purchases on Your previous billing are the an the on An tees 01irgad to your Account are added to me rchau transaction catsgpry With the exception or Cash Advance Transaction F Charges wMCh are added to cash advance trans category and Balance Transfer Transaction Fee Finance Charges which are a balanc'e' transfer tronsaetfon calthe If a transaction made in a previous prllfng_ period Is itemized on this statement. we consider the date to be the first day of the Curren billing period when we calculate your Peradid Finance Charges. For TOO (Telecommunierilono Device for the Deaf) assistance, please call 1400-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER' MCWN, ROY C DISCOVER Account number ending in 9362 CARD Discovere Card ranked #1 in Customer Loyalty-for 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something koola suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T.-Cleveland, Ohio Experience it for yourself at Discovercom *Aooom%,9 ro the 2008 &and xrya C.O.. Loy* rjgog-vo lr r6 Report 02108 Diecarer Bank, MmA-FDIC ------- ---------- --- ---- dosing Date: May 5, 2005 page 2 of 2 Increase Your Cashback Bonus(R) By Paying Your Bills. Getting rewarded for paying your bills has never been easier. Just contact the companies that you pay on a regular basis to have your bills automatically charged to your Discover Card. Build your Coshbock Bonus(R) with each payment - unlimited earnings without hidden fees. FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as credit resource in core of emergency. Call I.800AISCOVER or visit Discovercard.com/AciditionalCards today. Finance Charge Summary Da Paify Nominal E ? Transaction Periodic Fee ly dic C.ENTTAGE R P P GE Balances Rates RATES RATES CHAM CHARGES current billing period: 30 days Purchases $6684.72 0.07121% 25.99% V 25.99% S 142.80 none Cash Advances $2861.69 0.07121% 25.99% V 25.99% $61.13 $0 The rates dial apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discovercottt or call 1-800-DISCOVER (1-800-347-2683. New Balance Minimum Payment Due DISCOVER $9,618.04 $214.00 CARD Payment Due Date July 4, 2005 05 WSN6A010003571 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below, Please make check ?a?abto Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $118.04. Will your payment get to us on time? Pay your biN online and your payment can be made to your account on the some day. Visit Discover.cern/payments today. PO BOX 71084 111 111 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space ?ri?relurlrllurlnlrinrlillurlulnlnAnlulnirlull above, or go to Discover-corn. Print your e-mail address to receive important Account information and special offers. 000001986458271370625096180400250000021400 Discover Card Account Summary Closing Daft: June 5, 2005 page] of 3 I iAccourd number ending in 9362 Previous Balance $9,431.52 Paymerd Due Date July 4, 2005 Payments And credits 460.00 Minimum Payment Due $214.00 Purchases + 43517 '.Credit Umff $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 'Cash Credit Limit $4,800.00 Finance Chw + 210.65 ;Cash Credit Available $0.00 New Balance = $9,618.04 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonus® Opening Cashbock Bonus Balance $ 85.06 New Cashback Bonus Earned + 0.00 + 1.94 Cashbock Bonus® Since Anniversary Date - - .. - Casbback Bonus Balance ... _ ...... - . _ _ _ _ $ ... - Available to Redeem $ -- 87_.00 80.00 of July 5: $5.62 i . Visit Discaror earrr'to pay your bA far no cost, view yaw ;How Can We Help You. latest Account informaron, own and redeem rewards and more :It's your choice - 3 ways to help 2. Cal 1-800•DISCOVER (347-2683) for fast, easy setservice, options or to speak with a Customer Service Accoun sa have your Discover Card available °Plea t Manager . ' Write at Discover Card, PO Box 30943, 3 For TDD (assistance for hearing impaired) we reverse side Sat Lake City, UT 84130 Transactions $0 Fraud Liability Gumanfee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 17 May 17 PHONE PAYMENT - THANK YOU $ 210.00 May 19 May 19 PAYMENT - THANK YOU -250.00 Other/Mioceilaneous Jun 5 Jun 5 OVERLIMIT FEE 35.00 Gas/Automotive May 4 May 6 PENSKE TRK LSG AS 1710 MECHANKSBURGPA 130.00 May 4 May 6 PENSKE TRK LSG 451710 MECHANICSBURGPA 28.55 May 20 May 20 PENSKE TRK LSG 451710 MECHANICSBURGPA 110.00 May 20 May 20 PENSKE TRK LSG 451710 MECHANICSBURGPA 125.96 -,--____-- ..--__-----May31_May31 MCCAFFERTYFQR1)Of M??7177664733PA-_---.. _.-- -__6,.36---- ;Information For You ,While we are permitted under the Cardmember Agreement to terminate any introductory or special rate because your :Account was overlimo, we have chosen no to do so at this time. However, this will still be considered an overtim t 'occurrence for purposes of the Delcult Rasa Plan. We reserve the right to terminate these special notes and to increase the APRs on your account if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Defauk Rate Plan section of the Cardmember Agreement for details. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. i 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 o Lost or stolen cards. Report immediately! Call 1-800-347-2683. Z m BU" Rlyhts Summary. In Case of Errors or Oueslions About Your Bill: If you think your bill Is wrong, or it ru need more information about a o transaction on your bill, write us on a u rate sheet of paper at Discover Card; PO Box 30421. Sall Lake City, UT 84130.0421, as won as possible. We must hear from you no later than 60wdays after we tent you the first bill on which the error or problem appeared. You can telephone us,'bul g doing w will not preserve your rights. In your letter, give us the following information: Your name and Account number. to -The dollar amount or 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 a Youoao 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 goad faith to correct the pprroblem with the merchant, You mayy not have to Ppaay the remaining amount due on the s or services You have this protection only when Ufa purchase price was more than S50 and the purchase was made in your home state or wr lain 100 miles of your mailing address (If we own or opevale the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location oT purchase.) Payments. Send any 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. N ment is processed as an electronic fund transfer, the transfer will be for the amount or the chock. When we use information from your check to snake an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. The prncess'xt0 of your payment may be:4 d B you sentl cash, correspondence or other items with your Writ, OayYlu send Fe payment to any other address or 9 you use an envelope er than the one provided. Payments received on or after 1 ppi y on a weekend or bank holiday will be posted to your Account as of the next business day. If you have misplaced your a velope,send you r_paymenl to Discover-Bank , PO Box-6103, Carol Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpait, we reserve the ric to resubmit it as an electronic debit You can pa r minimum pa nit or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-347-2683. You will need lhh slate."" t.anO yar bank account information. You must ensure tha( sufficient funds are avai able in ur bank account, and all transactions must comply with U. S. law. You will be asked to provide the first 5 digits of your account statement zl?code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account and to mitgle debit or credit entries to your bank account as applicable to correct an error in the processing of such payment You must tell us the amount of each payment or you ran select an amount such as the ldinimum Payment Due or the New Balance on each statement. You can cancel a t however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1.800-347 3683 or by mail at address listed in the previous par,Vph. B your payments may vary in amount we will tell you on each monthy statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than indicated on the monthly statement band on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account tc credit reporting agencies each month. If you bel - that our r ieport s inaccurate or incomplete, please write us at the following address: Discover Classic Card, PO Box 15316, Wilmington DE 1985015316. Pleas! include your name, address, home telephone number and Account number. Periodic Finance Charoes. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the des a the transaction occurs until the dale of repayment and on Old Balances until the dale of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call tAis the "orace period". You do not have a grace period on balance transfers or cash advances Periodic Finance Charges are imposed on new balance lansfers and cash advances beginning with the date the transaction occurs. Periodic Finance Charges are imposed on all transactions and Did Balances until the date of rebavmenl Repayment means Payment of Your entire on this statement. a your Account was cased as or pt, septemper zr,isyu; or pq August ur,zuU1 ana was rormeny a uiscoverw rnme sco"r National Alliance for Species Survive* or Universal Studios Account or (Fill September 30, 2001 and was formal a Discover fan_Acewmt vnu eaP ayoW payment of Periodic Finance Charges 9. j nay the N:Y!._ _.laLlcy shown on this statement by the aymeP.L Due i ilic Pa n[s and G its on this stateinent equal or exceed your rievruus Balw,ce. Otherwise, you will receive a billing statement next at includes Periodic Finance Charges imposed until the date of repayment npule erioOle mance Charges .e It day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction Nye using the following equation: Average Daily Balance x number of desys in the Dilhn period z Daily Periodic Bale. (Refer to the finance umma4, on the front of four statement for these amounts.) Then we add all the Pori le Finance Charges for each transaction categry to total lock Finance Carges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply the in a transaction category. se the two-cycle veraaape dall1yv balance (includin new transactions) method of calculating the balance upon which we impose Periodic Char gpes This means R you did dot pay the New Balance shown on the billing statement you received duringg the previous billing period by nent Drle Date, we will imppopssee Periodic Finance Charges on new purchases that first appared on that Dilfing statement as well as new s that First apbear on this DlBing statement. unless we already imposed Periodic Finance CCharaes on the purchases on Your previous billing to an in the balance transfer transaction categpapiry It a transaction made in -a -previous billingp period is itemized on date to be the first day of the currenT billing period when we calculate your Perio0ic, Finance Charges. For TOD (Telecommunleatlons Device for the Deaf) assistance, please call 1-900-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCtVER' MCLAIN, ROY C DISCOVER Account number ending in 9362 CARD Bnddec Discovere Card ranked "I in Customer Loyalty-for 11 years in a row!* w "I've never been so impressed with a company that has looped out for my well-being with timely reminders, paperless statements and even a telephone cog when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T-Clevelond, Ohio Experience it for yourself of Discover-corn *A=w&,U Ic tm 2005 M.M Kars Curl. L%* &V.jw ai tads, Rapoo 02008 Discwer Bo& Manbar FMC Closing Date: June 5, 2005 page 2 of 3 Now you can save up to 50% on health care by becoming a PlanPlus(SM) member. PlonPlus is not insurance and provides discounts on health care products and services. PlanPlus can be used with your insurance plan for even greater savings. For information on this valuable membership program, visit Discovercard.com/Planilus or cog 1-800527-7783. Congratulations to the 2005 National Discover(R) Card Tribute Award(R) Scholarship winners: Caitlin Barrett, Daniel Cayce, Janes Craft, Tiffany Grant, Samew Gupta, RhaShonda Keehn, Logan Skepey, Paula QueswdmTy and Kolby VanNewkirk. Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute.htm to learn more. Finance Charge Summary Nominal Transaction Aver- M P Da r a is P At:E F A t s l aJ! Cf1 R current billing period: 31 days Purchases $6617.64 0.07121% 25.99% V 25.99% $146.09 none Cash Advances $2924.50 0.07121% 25.99% V 25.99% $6A.56 $0 i The rates that apply to your Account are either fixed (F) or they may vary M as noted above. QueStiOnS? Manage your account at Discover.corn or call 1-8004MSCOVER )1-800-347-2683). Closing Dols: MCIAIN, ROY C DISCOVER June s, soon Account number ending in 9362 CARD page 3 of 3 Cashback Bonus' Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 85.06 Purchase Award This Period + 0.00 1.94 Cas ac Bonus Award Total 87.00 Cashback Bonus Award Balance 87.00 Award Available to Redeem $ 80.00 gestnctions apply to the Cashback Bonus Partner offers visit f)iscowr or call 1-800.045COV6t (1-804347-2683) for details. For program details, see the Cashback Bows farms and Con itions. New Balance Minimum Payment Due DISCOVER $9,899.66 $434.00 CARD Payment Due Gate August 4, 2005 05 SDSN6A010003572 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBUR6 PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card. You are ovedimif. Pay the sum of the monthly minimum payment plus the overlimit amount of $399.66. Win your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Diseover.cont/payments today. PO BOX 71084 Illuillrulluulrlnlrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )lu)n1?Rill 11)11111If 111111111111111191Ill lrlln1111111 above, or go to Discover.aom. Print your e-mail address to receive important Account information and special offers. 00000198645827137062509899660000000004340D Discover Card Account Summary Account number ending in 9362 i Payrried Due Date August 4, 2005 Minimum Payment Due $434.00 Credit Limit $9,500.00 Credit Available $0.00 t Cash Credit limit $4,800.00 Cash Credit Available $0.00 Closing Date; July S, 2005 page 1 of I Previous Balance $9,618.04 Payments And Credits 0.00 Purchases + 74.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 207.62 New Balance $9,899.66 You may be able to avoid Periodic Finance Charges, we the reverse side for details. . Cashback Bonus® Opening Cashback Bonus Balance S 87.00 New Cashbock Bonus Earned + 0.00 Cashback Bonus Balance $ 87.00 ;.Qshback Bonus® Since Anniversary-Deis Available Redeem. 0.00 _ . _ of July 5: $5.62 i How Can We Help You? P I . Visit Discmrer carl to pay yaw bid for no cast, view latest Account information, earn and redeem swards and more It's your choice - 3 ways to help 2. Cal 1-800 DISCOVER (347-2683) for fast, easy selfaervice Please have your Discover Card available. options or to speak wide a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us d Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Oilier/Miearpaneous Jul 4 Jul 4 LATE FEE $ 39.00 Jul 5 Jul 5 OVERUMIT FEE 35.00 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due amount. -=.BalanceJmn t9Bar sltrtentlaiging period DaibpeciodisJtats D_07_12.1%;.c«responding.ANNUALPERCENIAGE. RATE: 25.99%. Rafe .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 plNANCE FR4ANCE Bald Rakes RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $6729.33 0.07121% 25.99% V 25.99% Cash Advances $2988.69 0.07121% 25.99% V 25.99% j The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. $143.77 none $63.85 $0 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 o Lost or stolen cards. Report immetliateryl Call 1500-347-2683. Z Billing Rights S"Is 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 bi wide us on a se rate sheet of paper at Discover Card; PO Box 30421. Salt La a City, UT 64130.0421, as soon as possible. We must hear from you no later than Is days after we sent you the first big on which the error or problem appeared. You can telephone us,'bul $ doing so will not Weserve your rights. In your letter, give us the following Information: w .Your name and Account number. -The dollar amount of the suspected error. u -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 uu V Youodo not have to pay any amount in Qauestion while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your quest0 we, cannot report you as delinquent or lake any action to collect the amount you question. Special Rule for CmdK 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 mg not have to pay the remaining amount due on the pootls 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 mating address (N we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless dr the amount or location of purchase.) 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 pa nt as a check transaction. If pa nt. is ocessed as an electronic fund transfer, the transfer will be for the amount of the check. When we ufe information from your check to mike an electronic fund transfer, funds may be withdrawn from your account ac soon as the same day we receive your pairent, and you will not receive your check back from your financial institution. y he processin0 of yrwpayment may be d ayed ousee one cash. correspon?ce w other hems with Your paymant if you send the payment to an other addr w if use an adve other than the provided Payments received on or affer 1 PRI Monday through Friday or on a weekenq or bank holds will De posted to your Account as of the next business day. If you have, misplaced your envebpe,_send Your payment to Discover Bank, r'Q Box 6103, Carol Stream, It. 60197-6103. Please all" 7.10 days for delivery. If your payment is returned unpaic,, we reserve the Nou can pa r minimum pa enl or a greater amount over the telephone, and you can set up automate paymcols GN us at 1-800-347-2683. You will need this statement. antl your bank account information. You must ensure Inat sufficient funds are avaiabte 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 each payment you authorize from r bank account and to initiate debit or credit entries to your bank account as applicable to correct an error in he processing of such pa nt you must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least liaise business days in advance of the scheduled payment, You may no0fy us by phone at 1-811D•3 7- BB3 or by mail at address fisted in the previous paragyraph. If your payments may vary in amount ?we will tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit. report. We normally report the status and payment history of your Account to credit reporting agencies each month. If yo bel that our report is inaccurate or incomplete, please write us at the following address. Discover, Classic Card, PO Box 15316, Wilmington 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance ChvNes. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the dale of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on of prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement eaual or exceed your Previous Balance. We call U1is the 'grace period'. You do not have a ,with perod on balance transfers or cash advances. Ponodic Finance Charges are imposed on new balance transfers and cash advances beginnlrh?pwith life date the transaction occurs Periodic Finance Charges are imposed on alf transactions and Old Balances until the date of repayment Repayment means pafsyment of your entire New Balance. However if you pay the New Balance shown on this bitting statement ppvy `he Payment Due Date, and the Paymen and Credits shown on this statement equal or exceed the Previous Balance we will not impose Periock Finance Charges, on new purchases, that is purchases first appppeearingg on this statement N your Account was closed as of: (i) September 27,1999; or (it) August 3,2001 and was formerly a biscovere Prime Opt'xm, Udcover National Alliance for wS les Survhm* or Universal Studios Account or (i% Se tember 30, 2001 and was formerN a Discover P a!hsratzn Account, you cap av11d payment M Periodic Finance Chargaaa if..ym nay the H;w_pato V shown on this statement by the Payment.Due uatc and Zile Pa nfs and Goads on this slatmnenl equal or exceed your neviuus Balance. Ollcitwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the date of repayment We compile Pertotlic trance Charges,e cA day for purchases, cash advances, balance transfers and Old Balances (whkh we refer to as transaction categories) Dy using Ne following equaDah Average Dafy Balance x number of days in the Dilim9 period x Daily Perodic Rate. (Refer 1o the finance charge wmmarrVy on the front ofvnur statement for these amounts.) Then we add all the Postdate Finance Charges for each Uansaciton cafeoorv to get the total Periodic Finance Charges for your Account The Avenge Dairy Balance is shown as 0 d no Periodic finance Cbarges appylo-the 6aWnce in a Uanacllen category. We use the two-cycle averaGpa dalllyv balance (including new UansacUons) meNOd of cakulaUng the balance upon whkh we impose Periodic Finance Chardes. Thg means N vdu did dot bav the New Balance shown on the billing statement You recervetl tlunng the previous Ddling periotl by unorgeS atcrueo on the evious gays oar balance; and Dy inch wouacung any credits and payments mar are appued against me uarancc ui inc lransattion category On at day. In calcu Ling the dairy balance for the previous billing period, we consider the previous days daily balance" to have peen 0 do 1De first day of the bBlinO period Old Balances are excluded from the balance of the purchase and cash advance transaction categories Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an initial spec"' rate that has been terminated due to a late payment or because you exceeded yYoour Account credit limit are also Included in the 'ate?rY until the Initial special rate otherwise would have expired. In calculating the daily balk a of the balance transfer transaction category on the sirs[ day of the Dilil'rW period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that da and we add that unpaid balance to the balance of the Wrchase transaction category All fees charged to your Account are added td the rchose transaction calegdry with the exception of Ca h Advance Transaction Fee_Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the bala nce transfer transaction category. If a transaction made in a Hill Is itemized on this statement we consider the transaction dale to be the first day of the crrtbilling period when we calculate your Yen icFinance Charges. For TOD (Telecommudoatiam Device for the Deaf) assistance, please call 1-900-347-7449. The Discovert9 Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due DISCOVER $9,123.85 $203.00 CARD Payment Due Dare September 4, 2005 05 SDSN6A010003573 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Cord or pay online 0 Discovercord.com. Will your payment get to us on time? Pay your bin online and your payment can be made to your account on the same day. Visit Diseov w cam/payments today. PO BOX 71084 IIIsnIInalluulslulsls CHARLOTTE NC 28272-1084 Address,emoilor telephone change? Print change in space )rajajlar?ualrjjurlnlajnalll?uajuEu?ujlululnle?ull above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458271370625091238500000000020300 `Discover Card Account Summary Closing Date: August $, 2005 page] oF2 ;Account number ending in 9362 Previous Balance $9,899.66 Payment Due Date September 4, 2005 Payments And Credits 1,000.00 `Minimum Payment Due $203.00 Purchases + 10.00 Credit Limit $9,500.00 Cash Advances + 0.00 'Credit Available $376,00 Balance Transfers + 0.00 'Cash Credit Limit $000.00 Finaooe Charges + 214.19 'Cash Credit Available $376.00 New Balance = $9,123.85 You may be able to avoid Periodic Finance Charges, we the reverse side for details, Cashback Sonuse Opening Cashback Bonus Balance $ 87.00 : New Cashback Bonus Earned + 0.00 Redemptions This Period 80.00 - Cashback Bonu36-Anniversary Cashback Bonus Balance Available to Redeem $ $ _......1.00 . 0.00 Dare: July 5 iCashbock Bonus(R) is America's #I Cash 'Rewards Programl Full 5%Cashbock Bonus on Get Moro purchases in popular categones :throughout the year and up to I% Co=A ,k .Bonus on all your other purchases. Help You? 1. Visit Dixavormin to pay your bill! for no coat, view a I IOW Can We He latest Account information, earn and redeem 'ON. and more 'It's your choice - 3 ways to help 2. Cal I.80W31SCOVER (347-2683) for fast, vary selfserviee options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3- Write us at Discover Card, PO Box 30943, ;For TDD (assistance for hearing impaired) see reverse side Sall Lake City, UT 84130 Transactions $0 Fraud Lability Guarantee Use your Discover Card with confidence. Trans. Post oate Date Payments and Credits Jul 19 Jul 19 PHONE PAYMENT -THANK YOU $ -500.00 Aug 5 Aug 5 PHONE PAYMENT- THANK YOU 500.00 -:Otrieftlt?xaNanaous -"'-1u119--'3u119---PAY'B'fPWOt4EP1tOCES3INGPM--M . --------- _---iff.00---- ;information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%, corresponding ANNUAL PERCENTAGE !RATE: 9.90%. Rate is subject to the terms of the offer including expiration. t Discover Bonk Money Market and CD Account rates consistently beat national averagesl* View our rates at Discoverbank.com, of call 1-800347-7000 to speak with an Account Manager. Open on Account today and mention node: SM0805M. Member FDIC. `Based on comparison of rates reported in a retort survey of financial institutions by BanxQuote.com. Use your Discover(R) Card with confidence knowing that it has the identity fraud services ranked 91 by Javelin Strategy & Research. You account is protected anytime, anywhere with $0 baud liability guarantee and we'll call you right away if there is unusual activity on your account. To loam more, visit Discovercard.com/prolection. DISCOVER" MCLAIN, ROY C DISCOVER "t. Account number ending in 9362 CARD Brighter Discover Card ranked I in Customer Loyalty-for 11 years in a row!` ,t "I've never been so impressed with a company #Kd has looked out for well-being with 6m l°1 my ally reminders, paparless statements and even a ? telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." tomes T. Ctevelond, Ohio Experience it for yourself at Discovercom *A=M" b the 2008 Brad Keys Customer Wvrahy &eop?wa Index Report 620W D'ieco+er Bank, Mem6sr tbK -------------- dosing Date: August 5, 2005 page 2 of 2 Paying your Diwover(R) Card bill online at Discovercard.com is the fastest, most convenient way to make your monthly payment. All you need is your checkbook - enter your banking information once during sign-up and you'll never have to , enter it again. Visit the Account Center at Discovercord.com and you can begin making payments right away. Wondering what to give for all of those gift-giving occasions like weddings, birthdays, baby showers, back to school or just a thank yout Now, send a Discovery Gift Card with No Shipping Fee - the perfect gift for any occasion. Use them where Discover(R) Network Cards are accepted. Visit www.discoyergikord.com to order one today. Discover Financial Services is once again proud to support the juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Help us raise even more money to fund research for a cuts by participating in the Walt or donating your- Use fibadi Biinus-(R)'to JDRF. 'Acute is wiffifn reacK.- T"o feiiin more,-vi?ti f7sco"vervciird.ciirii of www.jdrF:aB.- - - - - - your Card and get Cashbock Bonus(R) on your purchases. Cashback Bonus is the only cash rewards program that lets you double the value of your rewards when you redeem for gift cards or certificates from many of our AO brand name partners. Finance Charge Summary Nominal Transaction A_ v Daily ANNUAL ANNUAL Periodic Fee D4yy P ? is P ERCENTAGE PEK NTAGE FINANCE FINANCE R RATES ? CHARGES AGES current billing period: 31 days purchases $6649..16 0.07121% 25.99% V 25.99% $146.77 none Cash Advances $3054.29 0.07121% 25.99% V 25.99% $67.42 $0 The rates that apply to your Account are either Rxed (F) or they may vary M as noted above. ' Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). 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) Lost or stolen cards. Report immediatey! Call 1-600-347-2663, Z m BMW Rights Sua!rrm In Case of Errors or Questions About Your Bill: It Yyoouu think your bill Is wrong or it you need more information about a o transaction on Your bit write us on a se parate sheet of paper at Discover LYrtl; PO Box 30421, Sall Lake City, UT 84130-0421, as soon as possible. We must heat 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,lbut °o doing so win not preserve your rights In your letter, give us the following information: o -Your name and Account number. -The dollar amount of the suspected error. W -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 Youoio 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 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 Ywrd inWgood K fai?to ororrw recn ttt a he g oblem with the merchant, you mg not have to pay the remaining amount due on the goods or services miles W mr mailing address. (If we o the merchant or was if more maailed you the purc or was made in your hoe slate or il 100 re covered regardless f the amount or location operate you the advertisement for the goods or services, all purchases are of purchase.) 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 cur account at the financial institution indicated on your check or to process the W nl 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 ufa Information from your check to m5ke an electronic fund transfer, funds may be withdrawn from your account at soar 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 A you send cash, correspondence or other Hems with yyoour payment If send the payment to any other addle sss or U you use an envelope Other than the one pranged. Payments received on w al[er 1 PFI Mondarthmugh Friday or on a weekend of bank holida win ab sled to your Account as of the next business day. It you have, misplaced your envelope ,.send your-payment to Discover Bank. PO Box 6103, Carol Stream, IC 60197.6103. Please all6w 7.10 days for delivery. If your payment is returned unpaid, we reserve the Ir hl to resubmit it as an electronic debit You can pa i nummum payment or a greater amount over the telephone, and Yyapu can set up automatic paym cols Call us at 1-600.347-2683. You will need this statement and your bank account information You must ensure Illat sufficient funds are available in put bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits or your account sUlement zicode. By entermgg those numbers as your electronic spnature, You will be agreeing t this authaizalion tallow us and You' bank to deduct an a you aGlhorize /tom r o ilk account and t inilpte de0it a credit entries t your bank account. as applicabb t correct an error in the processing of such can se lect an amount such as the Minimum Payment Due or the New Balance on pa rat y_ muri if us the amounJ each payment or each statenl You can cancel rat However we mureceive nal east lsinesdain dvancof thschedulaymentYmnotitya us by pl 1-800.373 or mad addristein the prra If youpa ntmay vary in mount. we will tell you on a ch momhy stattmenl upanl t be matle and how much t ill Your Auomtic paent amount may be less than ntlrcted on the monthly sttemenbon credos or payments applied during the billing cycle. Credit Reportkrg. 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 ie0orl the status and payment history of your Accoun[ to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete please write us at the following address Discover Classic Card, PQ Box 15316. Wilmington DE 19650.5316. Please Include your name, address, nome telephone number and Account number. Periodic Finance Charges. Except as provided below, we will ffm Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the data the transaction occurs until the date of repayent and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payents and Credits on that statement egseal or exceed your Previous Balance. We call this the "gQrace period". You do not have a race Oeriod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance tr3nsfets and cash advances beginnin4 with the date the transaction occurs. Periodic Finance Charges are imposed on alt transactions and Old Balances until the date of repayment Repayment means p rent of your entire New Balance. However If you pay the New Balance shown on this billing statement bg the Payment Due Dale, and the Paymentsmand Credits shown on this statement equal or exceed the Previous Balance we will not impose Periodic Finance Charges on new purchases, that is purchases first apppeearing on this statement If your Account was cloud as of: (I) September 27,1999; or (I!) August 31,2001 and was formerly a bikovere Prime Opt'ien, Discover National Alliance for Sppeecles S9grvival®a Universal Studios Acrnunt or (iiil September 30, 2001 and was formerly a Dscover £rt!ilnsn92n.ACCMJnI, VW caP aygld payHienl of Periodic. Etngnee Charge; if_Xty,-?.p3y the Nrw--l?laQ[g :shown on this statement by the Vayment Due Wit! and the Payments and L adrts on this statement equai or exceed you rreviuus Baf,Gcc. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charrpges imposed until the date of repayment We co to Pertdle Finance CHarges.each day for purchases, cases advances, balance transfers and Oki Balances (which we refer to as transaction calegorleiDy using to following equation: Average Daily Balance x number of days in the billing period x Dairy Perradic Rate. (Refer to the fmance char9a wmmary on t front of YYoouur slatent for these amouhis' ) Than we add an the Perc Finance Charges for each lransactron ?aledory t t llte total Periodic Finance Charges for your Account Tne Average Daily Balance is shown as 0 if no Periodic finance Charges appty-lo the ?alance n a transaction category. We tau the two-cycle a -rape daffy balance (ineludinp new transeclions) method of caleulaUng the balance upon which we impose Periodic Finance Char gQes This means you did not pay the New balance shown on the billing statement you received dunn0 the previous Dillmg period by the Payment?tris Date, we wml Impose Periodic Finance Charges on new purchases That first appeared on that billing statement as well as new are the Balance ct to an If in the patance transfer transact cat it a transaction made in a previous bung period is itemized on dale to be the first day !N the cur n . billing period when we calculate your Per i ipodOc Finance Charges. For TDD (Telecommunications Device tar the Deal) assistance, please cam 1.800-347-7449. The Oiscover® Classic Card is issued by Discover Bank, Member FDIC. New Balance DISCOVER $9,196.25 CARD 05 SDSN6A01 0003574 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Minimum Payment Due Account Number ending in 9362 $205.00 Enter Amount Enclosed Below Payment Due Date October 4, 2005 Please rake check payable to Discover Card or pay onne 0 Discovercard.com. yo?x payment get to us on time? Pay will your bib online and your payment can be made to your account on the same day. Visit Discover,com/payments today. rrr??rrs?{asrr?r{ra?a?r PO BOX 71084 111 CHARLOTTE NC 28272-1084 Address, e-mail orNlephonechoose? Prrintchange inspace )?????)n?nr?a??m?u?r(ur?l?lur?u?u?n??n?n?nlulu?? above, or go to Discover.com. Print you e-mail address to receive important Account information and special offers. 000001986458271370625041962500000000020500 Discover Card Account Summary Goring Date: September 5, 2005 ,Account number ending in 9362 Payment Due Date October 4, 2005 ;Minimum Payment Due $205.00 Credit limit $9,500.00 Credit Available $303.00 `Cash Credit Limit $4,800.00 Cash Credit Available $303.00 Previous Balance Payments And Credits Purchases Cash Advances page 1 of 2 $9,123.85 480.00 + 349.30 + 0.00 Balance Transfers + 0.00 Finance Charges + 203.10 Now Balance = $9,196.25 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BOnus® Opening Cashback Bonus Balance $ 7.00 New Cashback Bonus Earned + 0.77 Promotional Cashback Bonus + 2.09 Cashbook- BonusSAnniversory ----------- k89115t3fjO?Allte -------- 986 :Dare: July 5 Ava?te to Redeem 0.00 ;Cashback Bonus(R) is America's #1 Cash :Rewards Programl Full 5% Cashback Bonus ton Get More purchases in popular cat 'es `throughout the year and up to 1 % Cashback Bonus on all your oduer purchases. IHow Can We Help You? I . visit D'ncovsr com,to pW yeur bit Far no ct, wiawyo latest Account information, earn and redeem rewards and more ? is your choice - 3 ways to help 2. Cal 1-8004)iSCOVER (347-2683) For fast, easy sellLservice :Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Sob Lake City, UT 84130 Transactions $0 Fraud Uabitity Guatan%e Use your Discover Card with confidence. Trans. Post tale Date 'Payments and Credits Sep 2 Sap 2 PHONE PAYMENT -THANK YOU $ 400.00 ;Award and Rebate Credits Aug 5 Aug 6 REWARD REDEMPTION CREDIT -80.00 -----------_ %01, ndiw/Retain-- --- Aug 27 _iAog 27 _YAIE EIECtkIC 5t1PP MEGHAl+11CS8URGPA ----- 204.48 Gasoline Aug 31 Aug 31 GEM 97655001 DILLSBURG PA 41.70 iAiula nMfwe Aug 26 Aug 26 PENSKE TRK LSG 451710 MFCHANICSBURGPA 103.12 :Information For You :Balance Transfer offer for current billing period: Daily Periodic Rah: 0.02712%; corresponding ANNUAL PERCENTAGE ,RATE: 9.90%. Rate is subject io the terms of" offer including expiration, ,Auto Bill Pay is Discover(R) Card's free service for paying your bills. Phone. Cable. Subscription services. And mare. W3 a ,great way to save time while building your Cashback Bonus(R). Visit Discovercard.com/Autobilpay 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 your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account U) Lost or stolen ends- Report immediately! Call 1-000-947-2653. m Biting Rights Summary. In Case of Errors or Oueslions About Your Bill: If think your bill Is wrong, or if you need more information about a o transaction on our bit( write us on a separate sheet of parer at Discover C)a A: PO Box 30421, Sall Lake City, l1T 84130.0421, as soon as possible. We must hear from you no later than 6U days after we sent you the first bill on which the error or problem appeared. You can telephone us,'but g doing so will not preserve your rights. In your letter, give us the following information: O .Your name and Account number. N -The dollar amount of the suspected error. w -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure V You go not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we, cannot report you as delinquent or take any action to collect the amount you question. Special Rude for Credit Card Purel sees: 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 ppaay the remaining amount due on the s or services You have thus protection only when the purchase price was more than S50 and the purchase was made in your home stale or wlhin 100, miles of your mailing address. (N we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) 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 r1ur 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your pa nt, and you will not receive your check. back from your financial institution. The process ' X yair payment may be delayed I you send cash, correspondence or oNer items with Your pa enL if send the payment to any other address or it you use an envelope other than the one provided. Payments received on or offer 1 PNI MonOaroupph Friday or on a weekend or bank hoAds WIN be posed to Your Account as of the next business day. If you have, misplaced your envelope,.senq yogr-payment to Discover Bank, PO Box 6103, Caro( Stream, I[ 60197.6103. Please allow 7-10 days for delivery. Il ybui payment is returned unpaid, we reserve the rapist to resubmit it as an electronic debit You can pa ur minimum payment or a greater amount over the telephone, and You can set up automatic pa nts. Call us at 1.600.347-2683. You will need this statement. and Your bank account information. You must ensure Dial sufficient funds are available in your bank account, and all transactions must comply with U. S. law. You MR be asked to provide the first 5 digits or your account statement zip code. By entering those numbers as your electronic signature, u will be agreeing to this authorization to allow us and your bank to deduct each aymenl you authorize from lWr bank account, and to initiate debit or credit entries to your bank account, as applicable to correct an error in PIa processing of such payment You must tell us the amount of each paymenL or can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a t however we musT receive notice at least three business days in advance of the scheduled payment You may notif us by hone at 1.800.347--2663 or mail at address listed in the previous paragyraph If your payments may vary in amount we will tell you on each mioritnry statement when your payment will be made and how much it will be Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Repor". We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your por t, We normally ie the status and payment history of your Accoun[ to credit reporting agencies each account May be reflected in your credit re rrwrilh. It o0 betteve that our report Is Inaccurate or incomplete, please write us at the following address: Discover Classic Card, Pa Box 15316, Wilmingtont 19850.5316. Please include your name, address, home telephone number and Accaht number. Periodic Finance C s. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the da a the transaction occurs until the date of repayment and on Old Balances until the date of repayment DW Balances are cemprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases 4 you pay the New Balance shown on the billing statement on which the ppuurchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the "prate period". You do not have a race ppeeriod on balance transfers or cash advances. Porbdic Finance Charges are imposed on new balance transfers and cash advances beginnM$with me dale the transaction occurs. Periodic Finance Charges are imposed on alt transactions and 010 Balances until the date of repayment Repayment means payment of your entire New Balance. However B you pay the New Balance shown on this billing statement D the Payment Due Date, and the Paymenfa and Credits shown on this statement equal or exceed the Previous Balance we will not impose Periodi Finance Charges on new ppuurchases, that is purchases fast aooearino on this statement it Your Account was closed as of (i) September 27.199Q or (4) August 31,2001 and_was formerly_ a biteover® Prime your new use, you win receive a During statement next iId Balances (which we refer to as transaction i x Daily Periodic Rate. (Refer to the finance nce Charges for each transaction category to if no Periodic Finance Charges apply-to-the the balance upon which we impose Periodic eceived during the previous billing riod by rd on that billing statement as we I as new ies on the ourchases on your orevious billing on are the to an in the Charges which are added to the cash advance transaction category and Balance Iransler Isar balance transfer transaction Cate pOOorryY N a transaction made in a previous billing pr?,riod K Ile date to be the fleet day of the current billing period when we calculate your Per is finance ell For TO (Telecommunications Device for the Deal) assistance, please call 1-800.347.7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. GLl DISC*VER' MCLAIN, ROY C DISCOVER ..e Account number ending in 9362 CARD Brighter Discovere Card ranked #1 in Customer loyalty-for 11 years in a rows "I've never been so impressed with a company that has looked out for my well-being with timely reminders, popedess statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T. Cleyebnd, Ohio Experience it for yourself at Discavercom *A=mx6V b"2008 Brand Kays Cmtww loy* Engogmn" W6 Re{w't 02008 Disco-w Bank Membr WIC Closing Date: September 5, 2005 page 2 of 2 Finance Charge Summary Nominal Transaction Average W!, ANNUAL ANNUAL Periodic Fee Dajly Periodic PERCENTAGE PERCENTAGE es Rates RATES RATES CHA GB CHAROB current billing period: 31 days purchases $6077.99 0.07121% 25.99% V 25.99% $134.17 none 'Cash Advances $3122.44 0.07121% 25.99% V 25.99% $68.93 $0 The rates *X& apply to your Account are either fixed lF) or they may vary M as noted above. Que560FIs? Manage your account at D'iscovwxorn or call 1-800-DISCOVER (1-800-347-2683). DISCOVER CARD New Balance Minimum Payment Due $9,507A2 $417.00 Payment Due Date November 4, 2005 05 SDSN6AOt0003575 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below 1 Please make check Pay, to Discover Cord. You am overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $7.d2. Will your payment get to us on fime? Pay your bill online and your payment can be made to your account on the same day. Visit Dfscover.com/poymeots today. PO BOX 71084 111114111611111 is loll$ loll CHARLOTTE NC 28272-1084 Address, e-mail ortelephone change? Print change in space above, or go to Discover.com. Print your e-mail address to Inlrllu[fill rllurlulnlnrllllaululrrln1lulululrlull receive important Account information and special offers. 000001986458271370625095074200000000041700 --------- ------------ ' Discover Card Account Summary ;Accourd number ending in 9362 a Payment Due Date November 4, 2005 Minimum Payment Due $417.00 Credit Limit $9,500.00 'Credit Available $0.00 Cash Credit Limit $4,800.00 Cash Credit Available $0.00 Closing Date: October 5, 2005 page 1 of 1 Previous Balance $9,196.25 Payments And Credits 0.00 Purchases + 111.73 Cash Advances + 0.00 Balance Transfers + 0.00 Finarm Charges + 199.44 New Balance $9,507.42 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashbock Bonus Balance $ 9.86 New Cashback Bonus Earned + 0.18 Coshback Bonus Balance $ 10.04 -; Gashlsaek Bonus®dAnniversary - - - - - - - - - - - - - _AVailab6e to Redae rn- - - - - - - _ - - - _ - $ .... 0,00 . :Date: July 5 How Can We He{ You? p I . Visit Disonfifr mm to pay your bit for no cost, view k t d Account information, earn and redeem r ward 'a more I vs your choice - 3 ways to help 2. Call 14WO-DISCOVER (347.2683) for fast, easy self4enrice Please have your Discover Card available- options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card PO Box 30943, Salt Lake City, UT 84130 'Transac'tions $0 Fraud UaWhty Guarantee Use your Discover Card with confidence. Trans. post Data Date 'Ollrer/Miseallanears Oct 4 Oct A . LATE FEE $ 39.00 Ftoarre IrrgarovomeM Sep 14 Sep 14 EBERLY LUMBER COMPANY 7177664773 PA 40.25 Sep 23 Sep 23 LOWE'S #2223 MECHANICSBURGPA 32.48 '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: 0.07121%; corresponding ANNUAL PERCENTAGE RATE: 25.99%. Rate is subject to the terms of the offer including expiration. ;Finance Charge Summary Nominal Transaction Average Datly ANNUAL ANMK Periodic Fee Daily Periodic PERCENTAGE PERCENITAGE FpWia F14ANCE Balonros Rates RATES RATES CHARGES CHARGES current billing period: 30 days ?Purchases $6144.74 0.07121% 25.99% V 25.99% $131.27 norm :Cash Advances $3190.97 0.07121% 25.99% V 25.99% $68.17 $0 'The rates that apply to your Account are either fixed IF) or they may vary M as noted above. Important Information. U 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 Cardmembef Agreement contains all the terms of your Account o Lost or stolen cards. Report immediately Call 1400-347-2693. You you Z Billing t c6 your bbill. wn? us on erruasarale 0sheeLa paper at Discovill: er If p ; PO Elm 30 21, SallfLak9 e City UT 84130-40421. as Soon as possible We must hear tram you no later than 6Up days after we sent you the first bill on which the error or problem appeared. You can telephone us,'.but g doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number. u, -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 abo u 8o 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 Yo 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 Cmdlt 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 mayy not have to pay the remaining amount due on the Hoods or services You have this protection only when the purchase price was more lean E50 and the purchase was made in your home stale or within 100 miles of your maigng address. pf we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 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 Yyoouur Wyme lit, and you will not receive your check back from your financial institution. The processing of your payment may be dbgyed A send cash, correspondence of other items with your paFIlit, if u send Ne ymenl to any other address or if you use an al lope olhor Nan the one provided Payments received on or after 1 P Monda through Friday or on a weekend of bank holidayy will be d to your Account as of the next business day. If you have, misplaced your envelope,_send. yogr-payment to Discover Bank, PO Box 6 03, Ca Stream, IL 60197.6103. Please allow 7=10 days for delivery. If your payment is returned unpai , we reserve the Iuto resubmit it as an electronic debit can pa r minimum W ent or a greater amount over the telephone, and you can set up automatic payments Call us at 1.800-347-2683. You will need this statement and your bank account Information. You must ensure Nat sufficient funds are available in your bank account, and all transactions must comply with U. S. taw. You wig be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic sgnalura, you will be agreeing to Ihn authorization to allow us and your bank to deduct each payment you auNonze from r bank account and to initiate debR w cradd enlnes to your bank account as appl'kabk lo.carrect an error in the processing of such pa ill You must fait us the amount ot each payment, or you can seiccl an amount such as the lAimmum Payment Due or the New Balance on eacA statement. You wn cancel a payment however we musT re?e ve notice at least three business days in advance of the scheduled payment, You may notify us by ?hone al 1.800-347-Z6B3 or by mall al address listed m the previous parepraph. If your pa?menls may vary in amount we wol fell you on each morilhly statement when your payment will De made and now much it will be. Your Aulom tic payment amount may be less than indicated on Ne monthly statement based on credits w payments applied during lne billing cycle. 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 r poR the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PG Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement a seal or exceed your Previous Balance We call this the " Ce 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 bseinnnind with the date the transaction occurs therwise, you will receive a During statement next and Old Balances (which we refer to as transaction period x Daily Periodic Rate. (Refer to the finance Finance Charges for each transaction caleTly to as 0 it no Periodic Finance Charges apply to the Charges w balance tr date to be new then-subtracting any credits and payments that are applied against the balance or the lance for the previous billing period, we consider the previous days daily balance' to e and cash advance transaction categories Special rate balance transfers and Balance e daily balance transfer transaction category. Balance transfers that were subject to an the rgreedd.ntln cal?culatingythe exceeded inlce ofr the balance transf rtranssaaction category on once of those Balance Transfer Transaction Fee Finance Charges and balance transfers we add that unpaid balance to the balance of the purchase transaction callFgoryise transaction categgD?ry with the exception of Cash Advance Transaction ee Finance itegory and Balance Transfer Transaction Fee Finance Charges which are added to the in a previous billno oeriod is itemized on this statement we consider the transaction we For TOO (Teleeommunicatbns Device for the Deaf) assistance, please call 1-800-347-7449. The Discover49 Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD New Balance Minimum Payment Due $9,721.01 $216.00 Payment Due Date December 4, 2005 05 SDSN6AOI0003576 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ I Please make check payable to Discover Card. You are overfimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $221.01. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 lllnrllnslluulrlulrlr CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 11 lil1111111 1111111 1111111 $nlll11111 11111 11111 11111 1111111111 above, or go to Discover.com. Print your e-fnail address to receive important Account information and special offers. 000001986458271370625097210100000000021600 ---------------------- --------- Discover Card Account Summary i Account number ending in 9362 Payment Due Date December 4, 2005 Minimum Payment Due $216.00 Credit Umit $9,500.00 Credit Available $0.00 Cash Credit limit $4,800.00 Cash Credit Available $0.00 Closing Date: November 5, 2005 page 1 of 2 Previous Balance $9,507.42 Payments And Credits 539.00 Purchases + 541.74 Cash Advances + 0.00 Balance Transfers + 0.00 Fiance Charges + 210.85 New Balance = $9,721.01 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 10.04 New Cashback Bonus Earned + 1.27 Cashbac k Bonus Balance $ 11.31 CashbackBonasSAnniversay--- ..------------- - ---- Available to Re 0.00.-._ Date: July 5 Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashbock Bonus on Get More purchases in popuiar cafegones 6 b throughout 1 year and up l0 1 % Cash ook Bonus on all your other purchases. ;How Can We Hel Help You? I . Visit Dixaver can to pey your 61 for "° cad `'e`" latest Accourd inform ion, earn and redeem nward?and more It's your choice - 3 ways to help 2. Call 1-8004XSCOVER (347-2683) for fast, easy self seMce Please have your Discover Card availobfe. options or to speak widu a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sall Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. D P ate Da e Payments and Credits Oct 12 Oct 12 LATE CHARGE REFUND $ -39.00 Oct 12 Oct 12 PHONE PAYMENT -THANK YOU -500.00 -?91her/Miscelloneous------ Novi---Nov5-- {3VERLfi'1hFffEE---------- ..---------------------35.00----- Gasdiro Oct 25 Oct 25 010070 SHEE00000703498 SHIPPENSBURG PA 30.00 Auloawt've Sep 27 Oct 6 PENSKE TRK LSG A51710 MECHANICSBURGPA 130.00 Sep 28 Oct 6 PENSKE TRK LSO A51710 MECHANICSBURGPA 212.05 Services Nov 2 Nov 2 THE SENTINEL CIASSIFIE CARLISLE PA 11536 Horne Improvement Oct 24 Oct 24 THE HOME DEPOT 4120 MECHANICSBURGPA 8.47 Oct 25 Oct 25 LOWE'S #2223 MECHANICSBURGPA 10.86 i i 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 Cardnember Agreement. Your Cardmember Agreement contains all the terms of your Account p Lost or slekn cards. Report immediately! Call 1400-947-2689. co BUNng mob In. Case of Errors OF Ouesfons About Your Bill: Ill think your bill is wrong, or it you need more information about transaction on VOUr bilf, wre us On a separate sheet of paper at Discover Caro PO Box 30421, Sall Lake City. UT 64130.0421, as soon as We must hear from you no later than 6111 days after we sent you the first bill on which the error or problem appeared. You can telephone us,'bul 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. •Dbesscurriibe the error and explain. R you can, why you believe there is an error. If you need more information, describe the Rem you are unsure You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in 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: 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 me problem with the merchant you mayy not have to pay the remaining amount due on the goods or services You have this protection only when the purchase price was more Than $; I and the purchase was made in your home stale or within 100 miles of your mailing address. (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless Of the amount or location of purchase.) Payments. Send only your payment and 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 rune transfer from YYoour account at the financial institution indicated on Your check or to process the payment as a check transaction. R pa ment 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 dayY we receive your paYmerat, and you will not receive your check back from your financial institution. The processin of your paymtnl ma be delaya0 N you send cash, correspondence or other Rams with yyopur payYment it you send the payment to any other address or it you use an eiwelope other than the one provided. Payments received on or at or 1 PKi Monday through Friday or on a weekend or bank holidayy will be to uAccount as of the next business day. R you have, misplaced your envelope,.send ur.payment to Discover Bank, i'0 Box 6103, Carof Stream, I60197.5103. Please alldvr 7.10 days for delivery. It yo6r payment is returned unpardyu reserve the right to resubmit R as an electronic debit You can pay Your minimum mm nt or a greater amount over the telephone, and 1rou can set p automatic payments. GU us at 1-600-347.2683. You will need l statement ayour bank account information. You must ensure That sufficienut 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 $"lure, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account and to initia debit or credit entries to your bank accoun` as applicable to correct an error in lne processing of such payment You must tell us the amount of each payment or can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment however we musT receive notice at least three business days in advance of the scheduled payment, You may notify us by hone at 1.600-347-2663 or by mail at address listed in the previous paragraph. It your pa ents may vary in amount ?we will tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed pa rats, or other defaults on your account may be reflected in your credit report We namely report the status and payment history of your Account to credit reporting agencies each month. If yoti bell that our report is inaccurate or incomplete, please write us at the following address Discover Classic Card, PO Box 15316. Wilminglon-DE 19650-5316. Please include your name, address, home telephone number and Account number. Perbdlc Finance CluTs. Except as provided below, we will in se Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the da the transaction occurs until the date ofprepayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billin statement on which the urchase first appearsby the Payment Due Dale, and the Payments and Credits on that statement equal or exceed your f?revious Balance. We call Phis the ;Mrs . You do not have A grace gpedrod on balance transfers or cash advances Periodic Finance Charges are imposed on new balance transfers and cash advances be0inning with the date the transaction occurs on tins statement equal or exceed me rrewous ;Rearing on this statement If your Account w option, Discover National Alliance for Species ! S , Ithsentzn _ACCa?nt, vnu caP,aygld payment M udw and We Payments and Lredits on l It slaw month that includes Periodic Finance Charges Tm We compute Periodic Finance Charges, each do- categgpooeries` by using the following equation: Aver char thestrAl Per tlbfiWetaeFRpnbe? arpeslfotarnyair glance in a transaction category. We use the two-cycle aver daily balai Finance Charges This means N y?u did riot pay the Payment T. Date, we will impose Periodic purchases that first a ar on Inis Dieing stalert statement We compute the average alai bat transaction category and dividing the total th on each du iirsl adding the rollowinp to he Chal accrued on the Dievious day's daily bill (1) September 27,1999; or (11) August 31,2001 and was formerly a Disco versal Studios Account or (iii Se tember 39 2001 and was formerly Charges if..V^. nay The f+,w_ lappceshown on this statement by the Ps exceed yuul r,evelus Balance. Otherwise, you will receive a billing slat cash advaances nbalance transfers and Old Balances (which we refer to as e x number of days in the bt0ing Denod x Daily Periodic Rate. (Refer to t are the were Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance charges wl are a balance transfer transaction categorryy. If a transaction made in a previous palling period is it d on this statement we consider the date to be the first day of the current billing period when we calculate your Peri5ie Finance Charges. For TDD (TelecommuMcaslm Device for the Deal) assistance, please call 1-800-947-7448. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER MCLAIN, ROY C DISCOVER W, Account number ending in 9362 CARD Bssglnter Discover' Card ranked #1 in Customer loyalty--for 11 years in a row!` "I've never been so impressed with o company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry, You've gof a customer in me for life." Janes T.-Cleveland, Ohio Experience it for yourself at Discovercom ° dn9 a tie WN &ar d Kays Cvslaner tay* 5sgoge -1-4- Report - *Z= Disaswn Bank, Member FDIC „--- -- - Closing Date: November 5, 2005 page 2 of 2 'information For You While we are permitted under the Cardmember Agreement to terminate any introductory, promotional or special rate and :increase the APRs on your Account because your Account was ovedimit, we have chosen not to do so at this time. However, Na will still be considered an overiimit occurrence for purposes of the Dekwh Rate Plan. We reserve the right to twmirnole these special rates and to increase the APRs an your Account if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Default Role flan section of the Cardmember Agreement for details. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04107%; corresponding ANNUAL PERCENTAGE :RATE: 14.99%. Rate is subject to the terms of the offer including expiration. Through the generosity of our Cardmembsrs, Discover(R) Card has donated more than $14 million to the Mok"-Wish Foundation. -You c66 m6ke a chill's dream cone true fry ilecting to donate your Caihback'96 ius(R) fit Ike M66--AWlsh- Foundation. To learn how, please visit Discovercard.com or visit www.wi3h.org. Finance Charge Summary Nominal Transaction Av ige Pe l S S Periodic Fee op D 6clic P eri AGE AGE FINANCE Balance s Rates RATES RATES CHARM CHARIGIES current billing period: 31 days ?Purchoses $6290.33 0.07121% 25.99% V 25.99% $138.86 none `Cash Advances $3261.01 0.07121% 25.99% V 25.99% $71.99 $0 :The rates that apply to your Account ore either fixed (F) or they may wry (Y) as noted above. `Questions? Manage your account at Disoover.corn or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER $10.012.99 $467.00 CARD Payment Due Date January 4, 2006 05 SDSN6A01 0003577 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the moniMy minimum payment plus the ovefimit amount of $512.99. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Discover.com/payments today. PO BOX 71084 11111111 url1uulr1u11111 CHARLOTTE NC 28272-1084 Address,a-mad or telephone change? Print change in space n?u)?u?uu?u??nu)a)h)ar??)fur)n?n?u(?u?u)u)u)rr)) above, or go to Discover_com. Print your e-mail address to ) receive important Account information and special offers. 000001986458271370625100129900000000046700 ------------------- Discover Card Account Summary dosing Date: December 5, 2005 page 1 of 1 Account number ending in 9362 Previous Balance $9,721.01 Payment Due Date January A, 2006 Payments And Credits 0.00 Minimum Payment Due $467.00 Purchases + 74.00 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finance Charges + 217.98 Cash Credit Available $0.00 New Balance = $10,012.99 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 11.31 New Cashback Bonus Earned + 0.00 Cashback Bonus Bakulce $ 11.31 -`.-Gashbactc-Bonus&Anniversary .. - - - - - - - _ _ . - _ --- Avail&6 toRedeem . --_ - . .. - - a 0:00 Date: July 5 How Can We Help You? P 1. Visit Discover com to pay your bill for no cod view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2: Cal 1-800-DISCOVER (347-2683) for fast, easyselfaervice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance, for hearing impaired) see reverse side 3. Write us of Discover Card PO Box 30943, Soh Lake City, UT 84130 Transactions $0 Fraud Uabflby Guarantee Use your Discover Card with confidence. Trans. Post Dots Date i Clthsr/MiscaOaraous Dec 5 Dec 5 LATE FEE $ 39.00 Dec 5 Dec 5 OVERLIMIT FEE 35.00 Information For You ` Your account is past due. Please pay your minimum monthly payment plus the past due amount. _ ! BrZlnnce..Lrrl,QJI?r f9GS4tr_eSrLitlg Period QQi Pari9? RAt? ly corresp9Dd'tg A NL?1 Al R Q7?95%.. o J'ECEIAI9GE RATE: 26.99%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily ANominal ANNUAL Periodic Transaction Daily Periodic PI8KMAGE PSKMAGE FKANa HNANCE Bald Rates RATES RATES CHARGES CNAMS current billing period: 30 days Purchases $6492.06 0.07395% 26.99% V 26.99% Cash Advances $3333.91 0.07395% 26.99% V 26.99% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. $144.02 none $73.96 $0 Important Inlormatlon. K 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 o Lost or stolen cards. Report immediately! Call 1-800-347-2683. Z Rifling 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 c transaction on your bill, write us on a separate sheet of paper at Discover Card; PO Box 30421, Salt Lake City. UT 84130-0421, 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,lbut $ 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, d you can, why you believe there is an error. d you need more information, describe the item you are unsure V You No 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 CmM 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 yyoouu mg not have to pay the remaining amount due on the good or services You have this protection only when the purchase (rice was-more lhall S50 and the purchase was made in your home state or whin 100 miles of your marling address. (It we own or operate the merchant or d we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location or purchase.) Payments. Send only your payment and the top portion or 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 YYoour account at the financial institution indicated on your check or to process the payment as a check transaction. If pa nt is processed as an eicctronic 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 ac soon as the same day we receive your payment and you will not receive your check back from your financial institution. The. pi ocessin0ss of your payment may x delayed T yymu send cash. correspondence or other Items with lrour payment, if u send the payment to any other addre or K you use an a elope other than the one provided.. Payments received on or after 1 PNI through Friday or on a weekend of. 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 6103, Carol Stream, 11 60197-6103. Please alldw 7.10 days for delivery. 11 your payment is returned unpaiof, we reserve the rwht to resubmit K as an electronic debit you can my veur minimum mvirenl or a orealer amount over the telephone. and You can set up automatic payments Call us at 1-800-347-2683. N us as at ,ndicated on the molithly statement based on'credits or payments applied during the billing cycle. Credit ReporlMq. We may report information about your account to credit bureaus Late payments, missed pa menns, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Accoun( to credit reporting ncies each month. K ypy belle," that our report is inaccurate or incom le, please write us at the following address Discover Classic Card, Pee Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Filarsce Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Durchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the "grace p"rod". You do not have a grace cod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance U ers and cash advances beginning with tae date the transaction occurs. Periodic Finance Charges are imposed on all transactions and Old Balances until the dale of repayment Repayment means payment or your entire 'Utemem equal or exceed the Frey"$ Balance we win not impose rerxuie rmanee uiarges on new raases, mar o ywcnaxa nut g on this statement K your Account was ci6 n as of: (i) September 27,1999; or (4) August 31,2001 an was formerly, a biscover® Prime Fscover National Alliance for Specks Survive* or Universal Studios Account or (iii!! September 30, 2001 and was formerly a Discover irn.Account, vw caP,.ayorid pa _ . nl of Ptriodjc Finance Charge; if-.Yd"r pay the ?NN•w.,6Vacp -shown on this statement by the Payment Due I the Pa F and GleJds on this statement equal or exceed your devious Bal i?,:e. Otherwise, you will receive a billing statement next al incl as peddd.- Finance Charges imposed until the date of repayment n to iodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction ur using the following equation: Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (Refer to the finance ryry oa lh front of your statement for these amounts) Then we add all the Period" Finance Charges for each transaction category to foul Periodic: Inarice CAOrges for your Account The Average Daily Balance is shown as 0 it no Periodic Finance Charges apply to the in a transaction category se the t.ro-cycle averagQe daily balance (including new transactions) method of calculating the balance upon which we impose Periodic charges This means it vSu did not oav the New Ba nce shown on the billing statement You received during the previous billing period by the were subject to an so included in the action category on Charges which are added to the cash advance UansacDon category and Balance-Transfer Transaction Fee finance charges Wnx:n are abalance transfer transaction calegppryry K a transaction made in a previous bi0inp, rind is itemized on this statement, we consider the date to be the first day of the current billing period when we calculate your Periodic Finance Charges. For TDD (Telecaamrxdeatkro Device for the Deaf) assistance, please call 1-600-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD New Balance Minimum Payment Due $9,683.56 $243.00 Payment Due Date February 4, 2006 05 SDSN6A01 0003578 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $E I Please make cheap ayable to Discover Card. You are ovorlimlt. Pay the sum of the monthly minimum payment plus the ovedimt amount of $183.56. Will your payment get to us on time4 Pay your III online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 IILralLnrl6nrJrlrJdnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lrr)n)lulnn?rl?nr)ulrlur))l?unlu?n)u)lulululn)n)) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625096835600000000024300 Discover Card Account Summary =Account number ending in 9362 Payment Due Date February 4, 2006 :Minimum Payment Due $243.00 :Credit Limit $9,500.00 'Credit Available $0.00 Cash Credit Limit $4,800.00 'Cash Credit Available $0.00 dosing Date: January 5, 2006 page I of 2 Previous Balance $10,012.99 Payments And Credits $99.00 Purchases + 45.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 224.57 New Balance $9,683.56 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashbook Bonus Balance $ 11.31 New Cashbook Bonus Earned + 0.00 Cashback Bonus Balance $ 11.31 deem- _ -.CBonus®Amiiversary Available to.Re - .3 - _ _ _ _ . _0.0!D ;Date: July5 !Coshbock Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashbock Bonus non 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? I • Visit Discover cam to pay year hill for no cost, view your P latest Account information, earn aid redeem rewards and more Inns your Choice - 3 ways to help 2- Cap 1800 DISCOVER (347-2683) for Fad, easy selfservice :Please have your Discover Card available. options or to speak with a Customer Service Account Manager :For TDD {assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Dec 15 Dec 15 PHONE PAYMENT - THANK YOU $ 325.00 Dec 16 Dec 16 OVERLIMIT FEE REFUND .35,00 --------- ---38.00---- 0dw/M-dee0amous Dec 15 Dec 15 PAY BY PHONE PROCESSING FEE - DBT 10,00 Jan 5 Jan 5 OVERLIMIT FEE 35.00 :Information For You `Whi6 we are permitted under the Cardmember Agreement to terminate any introductory or special rate because your Account was ovedimit, we have chosen not to do so at this time. However, this will still be considered an ovedimit occurrence for purposes of the Default Rate Plan. We reserve the right to terminate these special rates and to increase the ,APRs on your account if, as of the close of a billing period, your outstanding Accourt balance exceeds your Account credit limit. See the Default Rate Plan section of the Cardmember Agreement for details. i =Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. 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. o Lost or stolen ends. Report immediately. Call 1400-947-2683. m BlMng Rights Suasirmy. 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 bit, write us on a serate sheet of paper at Discover Card; PO Box 30421. Salt Lake City, DT 04130-0421, 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,lbut °o domg so will not preserve your rights. In your letter, give us the following information: u •Your name and Account number. v' -The dollar amount of the suspected error. u If the error and explain, d you can, why you believe there Is an error. you need more information, describe the tom you are unsure J Youu o not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we, cannot report you as delinquent or take any action to collect the amount you question. Special Rude far Credit Card Purchases: K you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried In good faith to correct the problem with the merchant, you mayy not have to pay the remaining amount due on the ggoads or services You have this protection only when the purchase price was more than and and the purchase was made in your home stale or within 100 miles or 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 df the amount or location of purchase.) 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 mtormution on your check to make an electronic fund transfer from g1rouur 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processin0p of your payment may be tlelayed B you send cash, correspondence or other gems with Maur payyment if ou send the payment to any other addre4s or K you use an envelope other than the one provided. Payments received on or after 1 PFI Manda?through Friday or on a weekenQ of bank holiday will be posted to r Account as of the next business day. If you have, misplaced your epvebpe, send 4r_gaymenl to Discover Bank. PO Box 6103, Card Stream. 11:60197.6103. Please alldvi 7.10 days for delivery. If your payment is returned unpaid1ro, we reserve the It to resubmit it as an electronic debit. You can Day Your mkumum payment or a oreater amount over the telephone, and you can set up. automatic payments. Call us at 1-1100-347-2683. or on You tell mclicaled on the monthly statement based on credits or payments applied during the Wiling cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you beN'?e that our r ieps( s inaccurate or incomplete, please write us at the following address: Discover Classic Card, PU Box 15316, Wilmington DE 19850-5316. Pleas! include your name, address, home telephone number and Account number. Periodic Finishers ChuBes. Except at provided below, we will impose Periodic Finance Chargpes on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Did Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases K you pay the New Balance shown on the billin statement on which the purchase first appears by the Payment Due Date, and the Pa ents and Credits on that statement equal or exceed your (Previous Balance We call this the "grace period". You do not have a grace period oil balance transfers or cash advances. Periodic Finance Charges are imposed on new 1 on this amng statement , the we will not impose Perlodi Fir as or. (t) September 27,1999; or the Ps ''It' and-Ci"Is ai this statemant-equi i or exceed your ewe iuus Balai,ce. Otherwise, you will receive a billing statement next fat inclPuadebsdPe"dic Finance Changes Imposetl until the date of repayment n Is r tie manic Charges, a ch day for purchases, cash advances, balance tranarers and Old Balances (which we refer to as transaction wing erpiatwre Averafp Daly Balance x number ot days in the bill n pedod x Daily Period a Bale. (Refer to the finance is?by us-90.1 ummary on the front ot Parr slaleiruent for these amounlt) Then we add all the Perk Finance Charges for each Uansactron category to total Periodic Finanu Charges Tor your Account Tne Average Daily Balance is shown as 0 it no Peradic Finance Charges apply to the tan a transaction category. se the two-cycle average daW balance fincludind new Uanssctionsl method of calculatino the balance upon which we impose Periodic 177 on IT rchase and cash advance transaction categories Special rate balance transfers and Balance in the daily balance transfer transaction category. Balance transfers that were subject to an late payment or because you exceeded tar Account credit limit are also included in the aye exairad In ealculahnn the dally baladce or the balance transfer transaction catedory on Charges which 3re added to the cash advance transaction category and Balance-Transfer Transaction Fee Finance Charges which are a balance transfer transaction category If a transaction made in a previous PI' incli riotl is itemized on this statement we consider the date to be the first day of the currerR billing period when we calcula te your Periodc Finance Charges. For TDD (Telecarmmadcations Device for the Deal) assistance, please can 1-600-347.7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISC?VER MCLAIN, ROY C DISCOVER Account number ending in 9362 CARD &igtMer Discovers Card ranked #1 in Customer Loyalty--for 11 years in a rows 'I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless studements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life.' lanes T.-cleveland, Ohio Experience it for yourself at Discover com +Awadng b the 2008 &-d Keys Cud.. L./* &4ge In,6 Repoo ®2008 Discus Boni, Mwnbr FDIC Closing Date. January 5, 2006 page 2 of 2 Through the generosity of our Cardmembers, Discover(R) Cord has donated more than $14 million to the Make•AWish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To loam how, please visit Discovercard.com or visit www.wish.org. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCt31TAGE PERCENTAGE Bakmces Rates RATES RWEs S??- CHARGES current billing period: 31 days Purchases $6296.74 0.07463% 27.24% V 27.24% $145.67 none Cash Advances $3410.28 0.07463% 27.24% V 27.24% $78.90 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discovi r.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER CARD New Balance Minimum Payment Due $9,753.18 $244.00 Payment Due Date March 4, 2006 05 SD$N6A01D003579 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Plea a make check Payab6 to Discover Card. You are overlimit. Pcry the sum of the monthly minimum payment plus the ovedimit amount of $253.18. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Discover.com/payments today. PO BOX 71084 11111 1111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )rr)((u)nr)r))ur)u)n)ur))??ur(u)n)er))n)u)rr)r)u)) above, or go to Discover.cao. Print your e-mail address to receive important Account information and special offers. 000001986458271370625097531600000000024400 Discover Card Account Summary 'Account number ending in 9362 'Payment Due Date March 4, 2006 :Minimum Payment Due $244.00 Credit Limit $9,500.00 'Credit Available $0.00 'Cash Credit Limit $4,800.00 Cash Credo Available $0.00 Closing Dote: February 5, 2006 page I of 2 Previous Balance $9,683.56 Payments And Credits - 244.06 Purchases + 90.10 Cash Advances + 0.00 Balance Transfers + 0.00 Fnanoo Charges + 223.58 New Balance $9,753.18 You may be able to avoid Periodic Finance Charges, see the reverse side for details. 1 ;Cashback Bonus` Opening Cashbook Bonus Balance $ 11.3 New Cashback Bonus Earned + 0.14 Coshback Bonus Balance $ 11 d5 'Cashbook BonwO Anniversary - - - - - - - - - - - - - - - AVaildsle to [redeem - - - - - - - - - - - - $ .. - - - - - 9,t?Q Date: July 5 Cashback Bonus(R) is Americo's # I Cash iRewards Progroml Full 5% Cashbook 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? '' h"tA i f ? deem 1 M IPS your choke - 3 wap to help ccount n ormation, am r ward l mare 2. Call 1-800•DISCOVER (347-2683) for fast, easy self-Gervice iPleaw have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lace City, UT 84130 Transactions $0 Fraud Udtirdy Guarantee Use your Discover Card with confidence. Trmrs. Post Date Data Payments and Credits Jan 18 Jan 18 PHONE PAYMENT - THANK YOU $ .243.00 Jan 25 Jan 27 OFFICEMAX 39 MECHANICSBURGPA -1.06 M4erdrandise/RetaB'---- Jan25--- Jan-25- -.STAPLES *649-MECHANleWRGPA- - -- ?yq1 -- Jan 25 Jan 25 OFFICEMAX 39 MECHANICSBURGPA 21.19 jCMher/Miscelanreovs Feb 5 Feb 5 OVERUMIT FEE 35.00 For You While we are permitted under the Cardmember Agreement to terminate any introductory or special rate because your Account was overlimit, we have chosen not to do $o at this time. However, this will still be considered an overlimit occurrence for purposes of the Default Rate Plan. We reserve the right to termiaato then special roles and to increase the ;APRs on your account if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit ;limit. See the Default Ratio Plan section of the Cardmember Agreement for details. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE IRATE: 9.90%. Rate is subject to the terms of the offer including expiration. i 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 o Lost or stolen cards. Report immediaky Call 1-800-347-2683. U) gliding Rights Si. In Case of Errors or Questions About Your Bill: If think your bill is wrong, or if you need more information about a o transaction on your bilk write us Vn a se rate sheet of paper at Discover Card; PO Box 30421, Sall Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than 6U days after we sent you the first bill on which the error or problem appeared. You can telephone us,'but o doing so wig not preserve your rights In your letter, glare us the following information: r, 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 YouoA not have to pay any amount in aaueslion white we are investigating, but you are still obligated to pay the parts or your bill that are not in v question. While we investigate your quesGOn, 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 0006 faith to correct the problem with the merchant you maY not have to Wy the remaining amount due on the g9oods or services You have this protection only when the purchase price was more than $50 and the purchase was nla0e in our home stale or within 100 miles of your mailing address. (9 we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provi0ed. 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 yyoouur account at the financial institution indicated on your check or to process the payment as a check transaction. It pa mend is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information frorn your check to make an electronic fund transfer, funds may be withdrawn from your account as sown as the same clay we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment mayY be delayed 8 You send cash. correspondence or other Items with your payment. if u send the payment o any other address or if you use an envelope other than the one provided. Payments received on or after 1 P61 Montlay?through Friday or on a weekend of bank hogda wip De pos(eil o your Account as of the next business day. 9 you have , misplaced your envelppe,_send ur_payment to Discover Bank, PO Box 6103, Graf Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaidl, we reserve the r ht to resubmit it as an electrode debit. ou can p, ?iur minimum payment or a greater amount over the telephone, and you can set up automatic pa cents. Call us at 1-600-347-2683. You will need the Make manl, order vour bank account information. You must ensure That sufficient funds are ava6able 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 rode. By entering those numhers as your ekcUOnk sgnaWre, you will De agreeing te this aulhorizalion o slow us and your bank to deduct each payment you aulhonze from r Dank account and o infliafe debit or credit entnes to your Dank account, as applicable to correct an error in the processing of such Pa rat You must leg us ilia amount of each payment or can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a L however we must receive notice at lean three business days in advance of the scheduled payment You may ndifY us by phone al 1.800.3 7. 683 or by mail at address listed rn the previous paraggraph. If your payments may vary in amount&we will tell you on each monthry statement when your payment w91 be made and how much it will be. Your Aulomaf?c payment amount may less than ntlrcat0 on the monthly st akmenl Wsed on credits or payrrienls applietl during the billing cycle. Credit Reportinit. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting Fagencies each month. If halve that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, Box 15316, Wilmington "DE 19850-5316. Please include your name, address, home telephone number and Account number. Perlodb Finance Climes. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing, statement on which the purchase first appaan by the Payment Due Date, and the Payments and Credits on that staknxnt aCUal or exceed your evious Balance. We call this the "grace paired . You no not have a grace on balaoce transfers or cash advances. Periodic Finance Charges are imposed on new balance Uansfen and cash advances bepnning with he dock the UansacUon occurs Periodic Finance gar(1es are unposed on aH transactions and Ole Balances until the dock of repayment Repayment means payment of your entire New Balance. However if you pay Ne New Balance shown On this billi, stakmenl . tn, Payment Due Dale, and the Payments and Credits shown on This stakment Bowl or eiuxed Ufa Previous Batanee, we vdN not pose Period Finance Charges pn_new purchases, that k.purchases first aoents and Cradlts on this statement agvaI Or exceed your neviuu5 Balahee. tkheimise, you will receive a during stalenleul next as Periodic Finance ChargGes imposed until the date of repayment riddle Finance Charges. each day for purchases, cash advances, balance transfers and Did Balances (which we refer to as transaction rag the following equaion: Average Daily Balance x number of days in the billin period x Daily Periodic Rate. (Refer to the finance on the front of your statement for these amounts.) Then we add all the Per' o Finance Charges for each transaction cakgay to odic Finance Charges for your Account. The Average Daily Balance is shown as 0 9 no Periodic Finance Charges apply o the action category. two-cycle a rocpe bialy balance (including new transactions) method of calculating the balance upppin which, we impose Periodic This means 9 you did rot pay the New Balance shown on the billing statement you received durm the previous Dilhng period by Dale, we will fnppoossee Periodic Finance Charges on new purchases that first appeared on that oiling statement, as wail as new apppear on this bi9in statement unless we alreaddyy imposed Periodic Finance Charges on the CCurchases on your previous billing ompuk the averaagpe dal balance for each transaDtion cakgory Dy ding up all the daily hstances in a billing period for a ooryry and divining the trial the number of days in Ne DilGng cycle. We coinpGuk the daily balance for each lransacUOn cakgory list adding flat Qdlevnnp k e previous days dairy balance: transacUOns made that tlaV, fees char00eed Nat day and Periodic Finance on the evious days Oaf balance; and by then subtracting any credits antl payments Nal are a?pdied against the balance of the ne flrocst ?ayl bier Medr?Uawouetin the tlaiy balance for the previous Dining periaq we unaided the previous days dairy balance" to e excluded f a Wlarrce the purchase and cash advance Wnsaclon catee9poonos Sppeecoal rate WWnce transfers and Balance ion Fee Fnmce Charges are Included io the dairy balance transfer Uansacton category. Balance transfers that were suDkct to an . Tear ea• Ivan eermvalM Au in a rare rovmeni nr Meause var exceeded Vour Account cresol limit are also Included ih the Chargpes when are added to the cash advance transaction category and BalanceTransfer Transaction Fee Finance charges wmcn are a Dala ilcc transfer transaction category. It a transaction made in a previous ppuling period Is itemized on this statement, we consider the date to be the first day of the cufreni billing period when we calculate your Perio?ic Finance Charges. For TDD (Telecornmraikallons Device far the Deaf) assistance, please call 1-900-347-7449. The Discoverb Classic Card is issued by Discover Bank, Member FDIC. rr DISCOVER' MCLAIN, ROY C DISCOVER Account number ending in 9362 mobler. CARD Discover' Card ranked #1 in Customer Loyalty-for 11 years in a rows "I've never been so impressed with a company that has looked out for my w&being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." Jomes T.-Cleveland, Ohio Experience it for yourself at Discovercom *Acawdtna to" 2068 trod Kays C ww, Lgvly Engogemam kidert Rpoit 02008 Df- Bank, AA-4- FDIC Closing Date: February 5, 2006 page 2 of 2 Use your Cashback Bonu3(R) to help others. When you donate your Cashback Bonus(RI to our charitable partners, JDRF, Junior Achievement(R) and the Make-AMWish Foundation(R), Discover(R) Card will add 20% to your donation. To donate your Coshbock Bonus(R) or Isom more, visit Discovercard.com Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dares c is PIMCIENTAGE ? AGE B RATES CHARGES current billing period; 31 days Purchases $6173.80 0.07463% 27.24% V 27.24% $142.84 none Cash Advances $3490.07 0.07463% 27.24% V 27.24% $80.74 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER CARD New Balance Minimum Payment Due $10,034.97 $495.00 - Payment Due Dote-JJJ April 4, 2006 05 SDSNSA01 DM580 MCLAIN, ROY C 5252 E TRIHDLE RD MECHAHICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check Payable to Discover Card. You are overlimd. Pay the sum of the monthly inlmum payment plus the overlimit amount of 534.97. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Diseovercom/payments today. PO BOX 71084 11111811111111 111121111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rrlrllnlu?lrllrrrlnlrlnrll?lurlulu{nllrrlrrlrrlrlnl) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625100349700000000049500 'Discover Card Account Summary ;Account number ending in 9362 4 ;Payment Due Dote Apra 4, 2006 ;Minimum Payment Due $495.00 ,Credit Limit $9,500.00 Credit Available $0.00 'Cash credit Limit $4,800.00 Cash Credit Available $0.00 Closing Dais: March 5, 2006 page 1 of 1 Previous Balance $9,753.18 Payments And Credits 0.00 Purchases + 74.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 207.79 New Balance = $10,034.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus° Opening Cashback Bonus Balance $ 11.43 New Cashback Bonus Earned + 0.00 Coshback Bonus Balance $ 11.45 !;Cashbuck BorwsWAnniversary Available, to Redeem... $ Q.QO .Date: July5 ;How Can We Help You? p 1. Visit Diaaver coin to pay your bil for no cod, viewyo? latest Account information, eon and redeem revrorda ana mare It's your choice - 3 ways to help 2. Call 1.80D DISCOVER (347-2683) for fast, easy seffservice ;Please have your Discover Card available. options or to speak with a Customer Service Account Manager 'For TDD (cmisionce for hearing impaired) we reverse side 3. Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 :Transactions $0 Fraud Uability Guarantee Use your Discover Card with confidence. Tram. Post Date Dale Olher/Miscellaneous Mar 5 Mar 5 LATE FEE $ 39.00 Mar 5 Mar 5 OVERl1MIT FEE 35.00 Information For You :Your account is past due. Please pay your minimum monthly payment plus the past due amount. fBalooce.Transferzf5sr.lbr-cunent bil ing-period-Daily Pariodic-Rafe:.0.07532%rcorresponding.ANNUAL-PERCE AMC RATE: 27.49%. Rate is subject to the terms of the offer including expiration. t Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Foe Daily Periodic PF3taNTAGE PERCENTAGE FNANa RMANa BOW Rates RATES RATES CHARGES CHARGES ;current billing period: 28 days Pwchases $6284.95 0.07532% 27.49% V 27.49% $132.54 none Cash Advances $3568.05 0.07532% 27.49% V 27.49% $75.25 $0 :The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account o Lost or stolen cards. Report immediately! Call 140D-347-2683. Z BON Rights Summary. In Case of Errors or Questions About Your Bill: If You think your bill Is wron0, or if you need more information about a o transaction on your bill, write us on a separate sheet of paper at Discover a PO Box 30421, Sall Lane City, UT 64130-0421, as soon a$ possible. We must hear from you no later than 6Q days after we sent you the first bill on which the error or problem appeared. You can telephone us,,but o doing so will not Count your rights In your letter, give us the following information: o Your name and Account number. -The dollar amount of the suspected error. -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts or your bill that are not in v 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, you ma not have to y the remaining amount due on the cods or services You nave this protection only when the purchase price was more than 55y0 and the purchase was made in your home state or within 100 miles of your mailingng address. (0 we own or operate the merchant, or If we mailed you the advertisement for the goods or services, all purchases are covered regardless o the amount or location of purchase.) Payments. Send only your payment and the lop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from yyoour account at the financial instdution indicated on ur check or to process the payment as a check transaction. If pa menl 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 receive your check back from your financial institution. The processingg of your payment may be delayed If you send cash, correspondence or other Hems with lour payyment, if u send the payment to any other address or g you use an edvelcpe other than the one provided. Payments received on or after 1 PKA Monday through Friday or on a weekend or bank holilay will be posted to your Account as or the next business da . It you have, misplaced your envelope, send yot1r.payment to Discover Bank PO Box 6 03, Carol Stream, IL 60197.6103' Please allow 7.10 days for delivery if your payment is returned unpaid we reserve the It to resubmit it as an electronic debit You can pa {(/?-ur minimum pa nt or A greater amount over the telephone, and you can set up automatic payments. Call us at 1-600-347-2683. You wig need flits statement and your bank account Information. You must ensure that sufficient funds are avaBable 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 each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable to correct an error in the processing of such payminl You must leg us the amount of each payment or you can select an amount such as the Unimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment. You ments may vary in amount we Will tell may nosy us by phone at 1-800.347-2663 or by mail at address listed in the previous paraggraph. If your pal you on each nwnthy statement when your payment will be made and how much it will be. Your Automtic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit, report We normally report the status and payment history of your Accoun[ to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the followingp address: Discover Classic Card, PQ Box 15316. Wilmington-DE 19850-5316. Please include your name, address, home telephone number and Accoul t number. Periodic Fhwree Chores. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the date of repayment, Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billing statement on which the Purchase first appears by the Payment Due Date, and the Payments and Credits on that statement e(Val or exceed your 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 UanSfers and cash advances Deglnninp with the date the transaction occurs. Periodic Finance Charges are imposed on alt transactions and Did Balances until the date of repayment. Repayment means pa ment of your entire New Balance. However 0 You Day, the New Balance shown on this billing statement by the Payment Due Date. and the Payments and Credits shown your you will receive a wiling slat stances (which we refer to as Daily Periodic Rate. (Refer, to Charges for each transaction o Periodic Finance Charges a ived dunn the previous billin m that bit mg statement, as v on the purchases on your pre daily balances in a billing r nd by than subtracting any credits and payments that are appbea against me narance or me iy balance for the previous billing period, we consider the previous days daily balance" to uchase and cash advance transaction categories Special rate balance transfers and Balance in the daily balance transfer transaction category. Balance transfers that were subject to an late payment or because you exceeded your Account credit limit are also included in the eve exoned. In calculating the daily balance of the balance transfer transaction category on date to be the first day of the current billing period when we calculate your Periodic Finance Cl For TOD (Telecommunications Device for the DeaQ assistance, please call 1-900-347-7449. The Discoverdi Classic Card is issued by Discover Bank, Member FDIC. Fee Finance cnarges wnicn are a on this statement we consider the New Balance Minimum Poyment Due DISCOVER $9,776.29 $252.00 CARD Payment ?e Date May 4, 2006 05 SDSN6A01 0003581 MCLAIN, ROV C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $I Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the ovedimit amount of $276.29. Will your payment get to w on time; Pay your bill online and your payment can be made to your account on the some day. Visit Discover.aons/payments today. Po Box 71084 filnrrilrrrilrrrririrrlrlr CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1rt1r11n111111(lrulydrlnr11Unn?nlnln??u?tr?u6?n?l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625097762900000000025200 ------------- ------._.. ---- -... ---- ------"?-. - _... Discover Card Account Summary Closing Date: April 5, 2006 page 1 of 1 Account number ending in 9362 Previous Balance $10,034.97 Payment Due Date May 4, 2006 Payments And Credits 534.00 Minimum Payment Due $252.00 Purchases + 39.00 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Fiance Charges + 236.32 Cash Credit Available $0.00 New Balance s $9,77629 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Caahback Bonus Balance $ 11.45 New Cashbock Bonus Earned + 0.00 Cashbadr Bonus Balance $ 11.45 Cashback Bonus.Aaniveraary. --------- - - - - - - - _ - - - - - • - Avaiktble to Redeem --------- - S. -, _ _ - - - 0.00---- Date: July 5 Cashbock Bonus(R) is America's #1 Cash i Rewards Programl Full 5%Cashbock Bonus on Get More purchases in popular colegmies throughout the year and up to 1 % Cashbock Bonus on all your other purchases. I ? How Can We Help You . 1. Visit Diseovareorn to pay your bN for no cost view your latest Account Information, earn and redeem rewards and more his your choice - 3 ways to help 2. Call 1-8004)ISCOVER (347-2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager Please have your Discover Cold available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side i Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guorattee Use your Discover Card with confidence. o ' tt ar DDot Payments and Credits Mar 30 Mar 30 PHONE PAYMENT - THANK YOU $ •495.00 Mar 31 Mar 31 LATE CHARGE REFUND 39.00 4(Aer/Miscellaneous----- •Apr•3---Apr5---GVERUMIT-FE€----------- ..---------------------39.00--___ i Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic P9N:ENTAGE PEKENTAGE FINANCE FINANCE Bakmces Rotes RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $6382.05 0.07600% 27.74% V 27.74% $150.36 none Cash Advances $3648.58 0.07600% 27.74% V 27.74% $85.96 $0 The rates that apply to your Account are either fixed (F) or they may wry m as noted above. Important Information. If there is more than one page to this billing statement. see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. o Lost or stolen cards. Report immedatelyl Call 1-500-347-2683. Z m Bitting Rights Suawnary In Case of Errors or Ouesi About Your Bill: If You think your bill is wrong, or if 1rou need more information about a o transaction on Your bilf, write us on a separate sheet of paper at Discover Card; PO Box 30421, Sall lake City. UT 64130-0421, as soon as possible. We must hear from you no later than 60 days alter we Sent you the first bill on which the error or problem appeared. You can telephone us,, but o doing so will not preserve your rights In your letter, give us the following Information: o Your name and Account number. -The dollar amount of the suspected error. -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the 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 collect the 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 with the merchant, you ma not have to ppaay the remaining amount due on the gyoods or services You have this protection only when the purchase price was more than S50 and the purchase was made in your home stale or wlhin 1110 miles of your mailing address. (11 we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 yyour account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is rocessed 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 pa rat and you will not receive your check back from your financial institution. The piocess'unlJ of your payment may be delayed B you send cash, correspondence or other items with your payment, if you send the payment to any other addr or if you use an envelope or than the one provided. Payments received on or after 1 PFI MontlaY through Friday or on a weekend of bank holidayy will be posted to your Account as of the next business day. If you have misplaced your. envolope, _send r, payment to Discover Bank, PO Box 6 03, Caron Stream, IL 60197-6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the rigght to resubmit it as an electronic debit Y0 can We r minimum payment or a greater amount over the telephone, and you can set up automatic pa enls Call us at 1-800-347-2683. You will nes statement, and Your bank account information. You must ensure Thal 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 numhers as your electronic sgnature, you will be agreeing to this aulhorizafwn te allow us and your bank to deduct each payment you authorize from your bank account and to initiate tleDit or credit cities to your bank account as appteabk to correct an erro in the processing of such paym rat You must tell us the amount of each payment or you can select an amount such as the lAinimum Payment Due or the New Balance on each statement. You an cancel a payment. however we mull receive notice al least three business days te advance of the scheduled payment. You may no11W us by pherue at 1.800.347.2683 or by mail at address listed m the previous parepprapt. If your payments may vary in artbunt?we wdl tell you on each monthly statemem when your payment will be made and how mucA it will be. Your Automatic payment amount may less than 'nducated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reliortirm We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be mnected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you bel' that our report is inaccurate or incom plete, please write us at the following address Discover Classic Card, PU Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Perbdk Finance Charges. Except as provided below, we will imDau Periodic Finance Charges on purchases, cash advances and balance transfers cceempr? of either pdate urrchasetransaction csh until on or repayment thenlast day o 0 your peril the date of ebrua a993aor Reserve Line balances p prior y your billing period ending during ing F ry You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement e0ual or exceed your Previous Balance. We call is the "grace period', You do not have a grace pedod.on.balance transfers or cash advances Perodic Finance Charges are imposed on new n to Periodic Finance Charges elch day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction ruby using the following equation: Average Daily Balance x number of days in the billin period x Daily Periodic Rate. (Refer to the finance ummiry on th front of ur statement for these amounLc) Then we add a0 the Per is Finance Charges for each transaction category to Motel Perodic Finance Charges for your Account- The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply o the in a transaction category. se the two-cycle avera0e dal balance (including new transactions) method of calculating the balance upon which we impose Periodic Charges This means il yibu did riot pay the New Balance shown on the billing statement you received tlur n the previous billing period by rent a Gate, we will Im a Periodic Finance Charges on new purchases that fast appeared on that billing statement. as well as new es that first appear iii (Iris billing statement unless we already imposed Periodic Finance harges on the purchases on your previous billing Charges balance dale to SI3 we its that are applied against the Doi consider the previous day's daily es Special rate balance transfers gory. His lance transfers that were s Account credit limit are also Incl )f the balance transfer transaction on Fee Finance Charges and balan ce of the purchase transaction tale ion of Cash Advance Transaction I Fee Finance Charges which are a on this statement, we consider the For TOO (Telecommunications Device for the Deal) assistance, please can 1-600-347-7449. The Discoi Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due DISCOVER $10,089.93 x503.00 CARD payment Due Date June 4, 2006 05 SDSN6A01 0003582 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card. You are ovedimit. Pay the sun of the monthly minimum payment plus the oyedimit amount of $589.93. Wis }our payment get to us on time2 Pay your ill online and your payment can be mode to your account on the same day. Visit Diseover.eom/payments today. PO BOX 71084 Ill rrrllrrsllrrrrlrlrllrtr CHARLOTTE NC 28272-1084 Address,a-mail or telephone change? Print change in space Be Irn1r?lrnln?r?ru1111ufill 1u1n11u1nlrrlrlKill above, or go to Discover.com. Print your e-mail address to receive important Account information and 7pec101 offers. 000001986458271370625100899300000000050300 Discover Card Account Summary Closing Date: May 5, 2006 page 1 of 1 Account number ending in 9362 !.Payment Due Date June 4, 2006 ;Minimum Payment Due $503.00 :Credit Limit $9,500.00 Credit Available $0.00 Cash Credit Limit $4,800.00 `Cash Credit Available $0.00 Previous Balance $9,776.29 Payments And Credits 0.00 Purchases + 78.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 235.64 New Balance m $10,089.93 You may be able to avoid Periodic finance Charges, see the reverse side for details. Bonus® Opening Cashbook Bonus Balance $ 11.45 New Cashbook Bonus Earined + 0.00 Cashbac Bonus Balance $ 11.45 Cashbook Bonus® Anniversary - - - - _ 0,40 Axei14ble.t2 RA1 _ , - - - - . _ _ _ _ - - -. - E _ - - - _0100 :Dale: July 5 How Can We Help You? ' Visit 1 „r* information, °your hill earn anredeem rem yon` ids arrd more It's your choice - 3 ways to help 2. Call 1-800DISCOVER (347-2683) for fast, easy self service M A h ccount anager a Customer Service options or to speak wit 'Please have Discover Card available. your 3. Write us at Discover Card, 'PO Box 30943, For TDD (assistance for hearing impaired) sae reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence- Trans. Post Date Dale t3tirerJMiscegaersous May 5 May 5 LATE FEE $ 39.00 May 5 May 5 OVERLIMIT FEE 39.00 Information For You *•***** ATTENTION ATTENTION ******* ATTENTION ATTENTION iATTENTION * * * * * * * Your account is past due. Please pay the post due amount now, or contact us to make Other !arrangements. ----- -- --- ----_---- 'Finance Charge Summary Nominal Transaction D P y ANNUAL; ANNUAL Periodic Fee ai ? is on PERCENfAC# PERCENTAGE FlPUNCE FINANCE ?c Rates RATES RATES CHARM_ CHARGES 'current billing period: 30 days !Purchases $6153.76 0.07942% 28.99% V 28.99% $146.63 none tCosh Advances $3735.96 0.07942% 28.99% V 28.99% $89.01 $0 !The rates that apply to your Account ore either fixed (F) or they may vary m as noted above Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account U) Lost or stolen cards. Report immediately! Call 1-000-347-2683. cn z m BIRYig Rights Surlsmary. In Case of Errors or Ouestions About Your Bill: If Nu think your bill is wrong, or it need more information about a o transaction on your Dllf, wr0e us pit a separate sheet of paper at Discover Card; PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than 6U days, after we sent you the first bill on which Me error or problem appeared. You can telephone us,lbut o doing so will not preserve your rights In your etter, give us the following information: u Your name and Account number. -The dollar amount of the suspected error. -Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure v You rb not have to pay any amount in Gueslion while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we. cannot report you as delinquent or 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 goof faKh to correct the problem with the merchant, you ma not have to pay the remaining amount due on the goods or services You have this protection onNN when the purchase price was more than S50 and the purchase was made in your home state o wdhin 100 miles of your mailing address. (If we u or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 r 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 electronic fund transfer funds may be withdrawn from your account as soon as the same day we receive your paiTnt, and you will not receive your check back from your financial institution. The. piocessinO of your pawnent maY be delayed you send cash, Correspondence or other Items with your payment, if send the payment to any other addre or it you Use an lope oOrer than the one provided. Payments received on or after 1 PFA MondarMrough Friday or on a weekenq or bank holiday *0 be posted to our Account as of the next business day. If you have, misplaced your enveklpe ;end your-payment to Discover Bank, PO Box 6103, Carol Stream, IC 60197-5103. Please allow 7=70 days for delivery. It your payment is returned unpaid i reserve the e tuto resubmit it as an electronic debit can your minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1-800347-2683. You will ne Out statement and your bank account information. You must ensure That sufficient funds are available in ur bank account, and all transactions must comply with U. S. law. You will be asked to provide the first 5 digits of your account statement zr code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each ayment you a uthorize from lour bank account, and to initiate debit or credo entries to your bank account, as applicable to correct an error in Phe processing of such payment You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment You may notifv us by plane at 1-800.347-2663 or by mail at address listed in the previous paragraph. If your payments may vary in amount, we will tell you on eacn h monthy statement when your payment will be made and how much it will Ile. Your Automatic payment amount may be less than ndoaled o the monthly statement based on credits or payments applied during the billing cycle. Credit Roper". We may report information about your account to credit bureaus Late payments, missed pa nts, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. If yyootyr believe that our report is naceurate or incom ete, please write us at the following address: Discover Classic Card. PD Box 15316, Wilmington"DE 19850.5316. Please include your name, address, home telephone number and Account number. Periodic FYunee Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchaso first appears by the Por exceed your revious Balance. We call ths the aa ". You odic Finance Charges are imposed on new balance d cash Porto0ic Fnnce Charges aRepayment means patsyment of your entire Nnce. r U you Dale, and the Paymen and Credits shown on th is Baastatemnt qual or eNe Previous gntt, we wiH not i pose Perrodle Finance Charles on new Durchases that is purchases first m on you to as u to your new es SppBBeeaactat rate balance transfers and Balance lan I2iount creditallimit areaalso includeotinDthe of the balance transfer transaction category on ion Fee Finance Charges and balance transfers ce or the purchase transaction caterry. Jon W Cash Advance Transaction Fee Finance i Fee Finance Charges which are added to the on this statement, we consider the transaction we caicuiate your For TOD (Telecommunications Device for the Deaf) assistance, please call 1-600-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC New Balance DISCOVER $9,243.67 CARD 05 SDSN6A01 0003583 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Minimum Payment Due Account Number ending in 9362 $253.00 Enter Amount Enclosed Below Payment Due Dafe $ July 4, 2006 please make check payable to Discover Card or pay online Q Discovercard.com. Wig your payment get to us on time? Pay g li d b your on ne an i your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 lllurllnnr1luulnlnnlnlnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space l" All loll urlr111141,,11111,llll„III gill lr,llr,lrrlr,lfill ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625092436700000000025300 Discover Card Account Summary Account number ending Payment Due D.O. Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available in 9362 July 4, 2006 $253.00 $9,500.00 $256.00 $4,800.00 $256.00 dosing Date: June 5, 2006 page 1 of 2 Previous Balance $10,089.93 Payments And Credits - 1,084.00 Purchases + 0,00 Cash Advances + 0.00 Balance Transfers + 0.00 Finionce Charges + 237.74 New Balance $9,243.67 You may be able to avoid Periodic Finance Charges, we the reverse s e ar etai s. `Cashback BOnus® Opening Cashbock Bonus Balance New Cashback Bonus Earned $ 11.45 + 0.00 Coshback-Bonus8-Anniversary - Cashback Bonus Balance Available to Redeam_ $ 11.45 $ 0.00 Date: July 5 id f d l How Can We Help You? 1. Visit Discovercam to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call I-800-0fSCOVER (347-2683) for Fast, easy selhservice Please have yaw Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salo Lake City, UT 84130 Transactions $0 fraud liability ctrorantee Use your Discover Card with confidence. Trans. Post Date Data Payments and Gvdb May 11 May 11 PHONE PAYMENT - THANK YOU $ .503,00 May 12 May 12 OVERUMIT FEE REFUND -39.00 i May 12 May 12 LATE CHARGE REFUND .39.00 Jun 2 Jun 2 INTERNET PAYMENT-THANK YOU .503.00 Information For You Congraluiatiom to the 2006 National Discover(R) Card Tribute Award(R) Scholarship winners: Jacqueline Bavier, Stephen -FEarbm,-VinterDawning:T*fodrnrrBefhany-yon,-MonikaMackow,-Besi,mNelson,-Seth RobinsarrWiliam-Stone, and Tess Stoops. Each won $27,500 For post high-school education or training. Visit Discovercard.com/tribute 'Finance Charge Summary Nominal Transaction ANT go Daily ANNUAL ANNUAL Periodic Fee Dai y Periodic PEtCENTAGE PERCENTAGE MANGE FINANCE Bald IItas Rates RATES RATES CHAR CHARDS current billing period: 31 days Purchases $5828.96 0.07942% 28.99% V 28.99% $143.51 none Cash Advances $3827.52 0.07942% 28.99% V 28.99% $9423 $0 The rates that apply to your Account are sithe fixed (F) or they may vary (V) as noted above. Get set for fall. Get 5% Cashbock Bonus(R). Use your Card July to September at Gap, Kohl's, Marshags(R), TJ.Mcm(R), Famous Footwear TM, Deg TM, Office Depd3(R), C><ficeMax(R), Staples, Unions 'n Thugs), Pier 1 Import) - and on tuition and get 5% Cashback Bonus. Sign up for the toll Get Moro program at 1.8004)ISCOVER (1-800.347-2683). 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 0 Z Lost or stolen curds. Report immediately! Call 1-800347-2683. w m Billing Rights Surs!m. In Case of Errors or Questions About Your Big: If transaction you think your bill is wrong, or if you need more information about a c transaction on Your bill, write us On a separate sheet of paper at Discover Card; PO Box 30421, Sall Lake City, UT 84130.0421, as soon as possible. We must hear rom you no later than 60 days, after we sent you the first bill on which the error or problem appeared. You can telephone us,' but g doing so will not preserve your rights. In your etter, give us the following information: o .Your name and Account number. .The dollar amount of the suspected error. •Desccurritibe 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 Youotlo 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 take any action to collect the amount you question. Special Rote 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 Gay the remaining amount due on the s or services You have this protection only when the purchase price was more than S50 and the purchase was made in your home stale or vii hrn 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 or the amount or location of purchase.) 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 rVour account at the financial institution indicated on your check or to process the payment as a check transaction. N pa ment 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 pa nt and you will not receive your check back from your financial institution. The processing of your payment may be delayed iT you send casD, correspondence or other Items with your payment if send the payment to any other address or if you use an envelope IF firer than the one provided. Payments received on or after 1 PIT MontlayNrough Friday or on a weekend o/ bank holidayy uric be W ur Account as of the next business da . If you have misplaced your envelope,_send your_payment to Discover Bank, PO Boz 5103, Carol Stream, ILro6g197.6103: Please allow 7=10 days M. delivery. If your payment is returned unpaid, we reserve the ngnt to rewbmil N as an elecUonk debit You can W r minimum payment or a greater amount over the telephone, and You can set up automatic payments Call us at 1-800.347.2683. You will need D1is statement. and your bank at information. You must ensure that sufficient funds are ava'uable in your bank account, and all transactions mud comply wdh U.S. law. You wKI 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 each payment you authorize from yyoour bank account, and to initiator debit w credit entries to your bank account, as applicable to correct an error in the processing of such payment You must 1e9 us the artaount ot each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a however we must receive notice at least three business days in advance of the scheduled payment You may rwUfyy us Dy phone at 1•(100.147-2693 or Dy it at address listed in the previous paraggrraph. K your pa ants may vary in amount we will tell you on each monthly statement when your payment will be made and how much it wiit be. Your Automatic payment amount may less than indicated on the monthly statement based on credits or payments applied during the billing cycle. 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 re the status and payment history of your Account to credit reporting agencx:s each month. If yyopuy beNeve that our report is inaccurate or inrnm ale, please write us at the following address: Discover Classic Card, F Box 15316, Wilmington "DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the tla[Is the transaction occurs until the date of repayment and on Old Balances until the dale of repayment. Did Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the ppurchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call Ihts the " raCa period". You do not have a grace period on balance transfers or cash advances. Ponodic Finance Charges are imposed on new balance nsters and cash advances Depinnly with the date the transaction occurs. Periodic Finance Charges are imposed on a transactions and Old Balances until the dale of repayment Repayment means r rent of your entire New Balance. However If you pay the New Baprl?e shown on this Dillina statement by the Payment Due Dale, and the Paymentsmand Credits shown on this statement equal or exceed the Previous Balance we will not impose Periodic Finance Charges on new Curchases, that is purchases first appeanng on this statement It your Account was closed as of. (i) September 27,1999: or (ii) August 31,2001 and was formerly a biscovere Prime Do ion, 6scover National Alliance for Specks Surviva* or Universal Studios Account or (September 30, 2001 and was formerly a Discover 5mithsVIIen ACCCent YOU car aypi? payment M J'priodic Finance Charge; if_,Ktei nay the N.•1Y_Htla ce shown on this statement by O e Payment Due Mid and We Pairrents and Gadits on this slaternenl equui or exceeu your ncwxius 8alauue. a erwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the date of repayment We com le Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories by using the following equation: Average Daily Balance IF number of days in the billing period x Daily Periodic Rate. (Refer to the finance Char gpe summary on th front of your statement for these a unts.) Then we add oils the Periodic Finance Charges for each transaction calec ry to Let IIre total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply -to the have Old on new we xcn we impose renodic revious billing period by lement as well as new on your previous billing r a billing period for a ch transaction category ay and Periodic Finance amst the balance of the day's dairy balance" to e transfers and Balance that were subject to an re also included in the transaction category on Charges which are adchi to the cash advance transac' category and BaancO Trin9ler Transanilin Fee ?F balance transfer transactMn category It a transaction made in a previous billin period is Itemized on this date to be the first day o/ the current billing period when we calculate your Peno?ic Finance Charges. For TOD (Telecommundcatlons Device for the Deaf) assistance, please call 1-800-847-7449. The Discoverer Classic Card is issued by Discover Bank, Member FDIC. Closing Date: MCiAIN, ROY C DISCOVER June 5, 2006 Account number ending in 9362 CARD page 2 o12 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 11.45 Purchase Award This Period + 0.00 Cas ac Bonus Award Total 11.45 Cashback Bonus Award Balance 11.45 Award Available to Redeem $ 0.00 Roskictions apply to Cashback Bonus P ofim visit Discewr eoan a cog 14000SCOVffi (1-804347-2683) kw details. for programils, see the Cashback Bonus terms and Conditiats. i i DISCOVER CARD New Balance Minimum Payment Due $9,505.47 5491.00 Payment Due Date August 4, 2006 05 SDSNSA010003584 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ Please make check payable to Discover Cord. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $5A7. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 1111111111 so 111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lrrlrllulrulnllunlulrlurllllrr,lI Ilr,lnllr,lr1loll rlrll above, or go to Discover.com. Print your e-mail address to receive important Account information and spedd offers. 000001986458271370625095054700000000049100 Discover Card Account Summary hosing Date: July 5, 2006 page 1 of 1 Account number ending in 9362 Previous Balance $9,243.67 Payment Due Date August 4, 2006 Payments And Credits 0.00 Minimum Payment Due $491.00 Purchases + 39.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 finance Charges + 222.80 Cash Credit Available $0.00 New Balance = $9,505.47 You may be able to avoid Periodic Finance Charges, sea itto reverse side for details. Cashback Bonus* Opening Coshbock Bonus Balance $ 11.45 New Cashbock Bowls Earned + 0.00 Cashbadc Bonus Balance $ 1 T A5 Caabback Bonus® Anniversary -- -- -------- - - -- - - AVm le - -Redeem _ -. _. $ 0.00 - - - - - Date: July 5 How Can We Help You? p 1. Visit Discovercom to pay year big for no cost, view your t i f ti kt t A d d d d 'It's your choice - 3 ways to help es ccoun n orma on, earn an eem rewar more re s an 2. Cal 1-8004DISCOVER (347-2683) for Fast, easy iia-'ervice Please have your Discover Card available. options or to speak with o Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 1 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 1 'Transactions $0 Fraud LicUlly Guarantee Use your Discover Card with confidence. TDate Dab t odw/m6mlaneous Jul 5 Jul 5 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 terns of the offer including expiration. { RRRRRRR- AT'C\ITQI?1 ****!**- ATT[NTIQ?,_ ***4t*t- ATTCA1T1l1AI -ft***** -ATTtwITQN_-4YRf**R-- ..._-__. ATTENTIONN . *******Your account is pad due. Please pay the past due cow. ourt now, or contact us to make other arrangements. ;Finance Charge Summary Ave Dail AL ANNUAL Transaction eriodic Dai?ge Bold c(?s Rates 6dic RA? AGE RATES PERCENTAGE F F CHARGES CHARGM current billing period: 30 days Purchases $5429.60 0.07942% 28.99% V 28.99% $129.37 none Cash Advances $3921.32 0.07942% 28.99% V 28.99% $93.43 $0 i The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above, i t 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 U) Lost or stolen cards. Report immediately! Call 1-900-347-2893. Z M Billing Rights In Case of Errors or Ouestions About Your Bill: If you think your bill is wrdnA or if you need more information about a o transaction on yyopuur bit, write us on a separate sheet of per at Discover Card; PO Box 30421, Salt Lake City. UT 04130-0421, as soon as possible. We must hear (tom you no pier than 6U days after we tent you the first bill on which the error or problem appeared. You can telephone us.Ibut o doing so will not preserve your rights In your letter, give us the following information: •Your name and Account number. •The dollar amount of the suspected error. -Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure v Yobu 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 Ride 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 pprroblem with the merchant, You mayy not have to pay the remaining amount due on the oods or services You have this protection only when the purchase price was more than S50 and the purc hase was made in your home state or wr lain 100 miles of your mailing address. (it 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.) Credit Repor". We may report information about your account to credit bureaus. Late payments, missed pa ents, or other defaults on your account may be reflected in your credit report We normally reppoorrt the status and payment history of your Account to credit reporting vencles each month. If you bellEve that our report is inaccurate or incomplete, please write us at the following address Discover Classic Card, PQ Box 15316, Wilmington DE 19950-5316. Please include your name, address, home telephone number and Account number. Periodic FUwrce Charges. Except as provided below, we will irtlDOSe Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the do a the transaction occurs until the date of" repayment and on OM Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid yment of Periodic Finance Charges on new purchases 9 you pay the New Balance shown on the billing statement on which the purchase ftrsl apeart by the Payment Due Dale, and the Payments and Credits on that statement evseal or exceed your Previous Balance. We call his the 'gprace period'. You do not have a grace penod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance Uansfers and cash advances beginning with the date the transaction occurs. Periodic Finance Charges are imposed on alt transactions and lad Balances until the date of repayment Repayment means payment of your entire New Balance. However if you pay the New Balance shown on this billing statement the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance we will not impose Periodi Finance Charges on new purchases, that is purchases first appearing an this statement it your Account was cased as of: (t) September 27,1999; or (B) August 31,2DD1 and was formery, a biscover® Prime Option, scoyer National Alliance. for Specks Survivaw or Universal Studios Account; or (iril September 30, 2001 and was formerly a Discover trice cnprgea jJ_W!7 nay ine P:'w n?la cp shown on in6 statemel or except yuw ?,ey uses Bal:r,cc. Ot erwise, you will receive a to rerxldle 1•mance Gnarges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction ss by using the following equation: Average Dally Balance x number of days in the billets period xce Daily Periodic Rate. (Refer to the finance summa Pq on the front of r statement for these amounts.) Then we add all the Periodic Finan Charges for each transaction category to total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the in a transaction category, se the two-cycle average daily balance (tncludind new transactions) method of calculatina the balance upon which we impose Periodic we on Ell on in the cry on balance transfer transaction cates; If, a transaction mane in a "previous Cahn period Is itemized on date to be the first day of the Curren billing period when we caiculale your Perro?ic Finance Charges For TOO (Telecommunications Device for the Deal) assistance, please call 1-900-347-7449. The Discove* Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due DISCOVER $9,522A2 $484.00 CARD Payment Due Date September 4, 2006 05 SDSN6AOI0003585 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make checkpayable to Discover Card. You are overlimit. Pay the sum of the monthly m 522inimum payment plus the overlimit amount of .42. Willyour payment get to us on time$ Pay your b;1 onlira and your payment can be made to your account on the some day. Visit Diseovercom/payments today. PO BOX 71084 {{{...{{m{{on{s{n{s{r CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )n{ {?n?nr{n){nr?u{r?ur)?){ur{r?u?u{?u{n{u?r?u?? above, or go to Discover.com. Print your email address to ' receive important Account information and special offers. 000001986458271370625095224200253000048400 Discover Card Account Summary dosing Dote: August 5, 2006 page 1 of 1 ;Account number ending in 9362 Previous Balance $9,505.47 Payment Due Date September 4, 2006 Payments And Credits 253.00 ;Minimum Payment Due $484.00 Purchases + 39.00 :Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finance Charges + 230.95 ;Cash Credit Available $0.00 New Balance m $9,522.42 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashbook Bonus Balance $ 11.45 New Cashback Bonus Earned + 0.00 Cashbadc Bonus Balance $ 11.45 Cashbook BommS Anniversary ----------- ----- Available. IQRudown------------- $...-----000 :Date: July 5 How Can We Help You? ':It's your choice - 3 ways to help Please have your Discover Carr) available. ,For TDD (assistance for hearing impaired( see reverse side 1. Visit Discover corn to pay yaw bill for no cost=am kteat Account infatuation, cam and redewn more 2, Col 1-800-DISCOVER (347-2683) for fast, easy sslfservice options or to spsok with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Sub take City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. l. post Da Deft ;Payments and Credits Jul 8 Jul 8 PAYMENT - THANK YOU $ -253.00 :odw/miscalanseus Aug 5 Aug 5 LATE FEE 39.00 ,Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE IRATE: 28.99%. Rote is subject to the terms of the offer including expiration. --------- -°--- •tt****t ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* :ATTENTION * * * * * * * Your account is past due. Please pay" past due amount now, or contact us to make other arrangements. `Finance Charge Summary Nominal Transaction Avenge Daily AtJMAL ANNUAL Periodic Fee Dai R? rc RAPE TACK PERCENTAGE FINANCE FINANCE CHARGES CHARGES :current billing period: 31 days Purchoses $5362.81 0.07942% 28.99% V 28.99% $132.04 norm Cosh Advances $4017.44 0.07942% 28.99% V 28.99% $98.91 $0 !The rates that apply to your Account are either faxed F) or they may vary M as noted above. Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account o Lost or stolen cards. Report immediately) Call 1-600-347-2683. Z trna? you m o I, us on a se s Fate Osheeof About at Dieroverf Card; Pthink ox your bill 30421, is Lo ge Gtr you pa paper wrong. City. UT 8 possible. 4130-0421, as soon as about a ? transaction n your f writ e We must hear from you no later than days alter sent you the first bill on which the error or problem appeared. You can telephone us,1Dul °o doing so will not preserve your rights. In In your letter, give us the following information: o Your name and Account number. -The dollar amount of the suspected error. •Descrribe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure v You dd 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 you my not have to ppaay the remaining amount due on the ggoods or services You have this protection onlIyY when the purchase price was more Than S5I and the purclase was made In your home slate or will, 100 miles of your mailing address (I1 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. 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 cur account at the financial institution indicated on your chheck or to process the payment as a check transaction. If pa ment is processed as an a cur 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 dayY we receive your piyn1eqt and you will not receive your check. back from your financial institution. The processing of your payment mav De delayed d You send cash, correspondence or other dams with Your pa rat if you send the payment to any other address or If you use an edvelope other than the one provided. Payments received on or after 1 PFI Monday ti rough Friday or on a weekend of bank holiday will be boded to your Account as of the next business day. If have, misplaced your envelope, send your_gaymEnt to Discover Bank, PO Box 6103, Car. "Stream, IC 60197.6103. Please allow 7.10 days for delay. It your payment is returned unpaid we reserve the right to resubmit it as an electronic debit You can X ypur minimum payment or a greater amount over the telephone, and Vou can set up automatic pa tots. Call us at 1-800.347.2683. You will need lh'is 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 each payment you authorize from Your bank account and to India debit or credit entries to vour bank account. as aoolicable. to correct an error in he nrocessinn of such yuy tin cacn nwrmny samrnent when your Payment wear oe mane and now mucn it will De. Your Automatic payment amount may be less than n0icaled on the monthly statement baud on credits or payments applied during the billing cycle. Credit ReportNy. 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 re the status and payment history of your Account to credit reporting agencies each month. NypE {1 betkve that our report is inaccurate or incom ale, please write us at the following address: Discover Classic Card, PU Box 15316. Wilmington "D 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance ChaTs. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with h tit of a claces and caion occus advances until the or ate otor lpayme lea d on 00 Balances until the date of repayment Old Balances are to t . he comprisO os. p Pr y your billing period ending during February 1993 or Reserve Line balance You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Are Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the "grace period"__ You do_ not have a grace period•oh_balance transfers or cash advances Periodic Finance Charges are imposed on new rmance warps are imposed on au transactions and txd Balances until the date or repayment Repayment means r is; of your entire e. However if you pay Uie New Balance shown on this DUlinp9 statement byy the Payment Due Date, and the Payments and Credits shown Aliment equal or exceed the Previous Balance we will not irtrpose Periodic Finance Charges on new purchases, that is purchases first on this statement N your Account was closed as of: (1) September 27,1999; or (il) August-31,2001 and was formery, a biscover® Prime cover National Alliance for Specks Survive* or Universal Studios Account or (iii September 30, 2001 and was formerly a Discover Account, you tap avoid payment or Periodic finance Charges if_ynnp,pay The lalpcp.shown on this statement by the Payment. Due lib Payments and Credits on this statenent equal or exceed your nevxrus Balal,". Otherwise, you will receive a billing stalemem next includes Periodic Finance Charges imposed until the date of repayment. ule Periodic Finance Charges, each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction by using the fo6owing equation: Average Daily Balance IF number of days in the billing period it Daily Periodic Pate. (Refer to the finance irery on th front of your statement for these amounts.) Then we add all the Periodic Finance Charges for each transaction cafeggDry to et Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 it no Periodic Finance Charges apply to the a transaction ca the two-cycle rage dally balance (incudin new tranactions) method of calculaUng the balance u n which we impose Periodic argyes This means you did riot pay the New 8a?ance shown on the billing statement yorf received Bunngpolhe previous billing period by nl?Ire Dale, we will imppoosse Periodic Finance Charges on new purchases that first appeared on that tilling statement as well as new that first a pear on this Oi6in statement unless we alreaddyy imposed Periodic Finance Charges on the DDurchases on your previous billin We compute the average dally Wlance for each tranatlon category by adding up all the daily Wlances in a billing period for 3 category and dividing the total by the number of days in the billing cycle. We compute the daily Wlance for each transaction category Thal adding the )following to a evious days daisy balance: transactions made trial day, fees charged that day and Periodic Finance 9. on the previous day's a! balance; and Dry then subtracting any credits and payments that are applied against the balance of the ea on that dayy. In caku%ting the daily balance for the previous billing period, we consider the previous day's daily balance" to 0. first day of the billin&laperiod. ces are excluded from the W nce of Ne purchase and cash advance transaction categories Special rate balance transfers and Balance enaction Fee Finance Charges are IncWOed In the dairy balance transfer transaction category. i a once transfers that were subject to an all, rate that. has been terminated due lo. a late payment. or because you exceeded your Account credit limit are also Included in the i Yee rmance cnarges wnrcn are a on this statement. we consider the For TOO (Telecommurdeations Devise for the Deaf) asslstance, please call 1-900-347.7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $9,126.82 $245.00 Ever Amount Enclosed Below CARP Payment Due Date Odeber 4, 2006 Please make check payable to Discover Card or pay online Discovermrci.com. 05 SDSN6A01 0003586 RICLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your bill online and your payment can be made to your account an the some day. Visit Discovercotn/payments today. PO BOX 71084 Ilindlssslla,tslslsslsla CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space If II 111111111IM111111l1ir11IIII111111I111111111111111Illfill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625091288200000000024500 Discover Card Account Summary Closing Date: 5epkasber 5, 2006 page 1 of 2 Account number ending in 9362 Payment Due Date October 4, 2006 Minimum Payment Due $245.00 Credit unit $9,500.00 Credit Available $371.00 Cash Credit Limit $4,800.00 Cash Credit Available $371.00 Previous Balonee $9,522A2 Payments And Credits 623.00 Purchases + 0.00 Cash Advances + 0-00 Balance Transfers + 0.00 Finausca Charges + 229,40 New Balance = $9,128.82 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ i to New Coshback Bonus Earned Cashba& Bonus Balance $ 11.45 Cashback-Bonus-Anniversary - Avcdl b4roRedeem- - - - - - - - - - . . - _ - - .. Date: July 5 r ;How Can We Help You? 1. Visit Discmx can to pay your bin for no cod, view latest Account information, eom and redeem revrards and m. It's your choice - 3 ways to help 2. Call 1. "DISCOVER (347-2683) for fast, easy selkervice Please have Discover Card avaiable. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TM (assistance for hearing impaired) see reverse side Sep Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payrnents and Creeds Aug 21 Aug 21 PHONE PAYMENT -THANK YOU $ -484.00 Aug 22 Aug 22 FINANCE CHARGE REFUND -100.00 Aug 22 Aug 22 LATE CHARGE REFUND -39.00 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation farm for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, -;Suite-2100;Cdhkago,ilinots-606 :6MS- --------------------- i Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer inckrding expiration. `Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FfRiA1VCE Balances Rates RATES RATES Cfim0i S lF1Sr).'L .tment billing period: 31 days Purchases $5200.28 0.07942% 28.99% V 28.99% $128.03 none Cash Advances $4117.53 0.079A2% 28.99% V 28.99% $101.37 $0 The rates that apply to your Account are either fixed f1 or they may vary NI as noted above. Important Intormatlon. 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) Lost or stolen tank. Report immediately) Call 1-800347-2683. Z m Billing transaction ^ Summary. YInte use on Errors art Qusheepof About to Dr Bill: rf you think your bill is wrong, or if you need more information about a o your bill, pa paper Card; PO Box 30421. Sall Lake City, UT 84130-0421, as soon as possible. We must bear from you no later than 6U days after we sent you the first bill on which the error or problem appeared. You can telephone us.' but o doing so will not preserve your rights. In your letter, give us the following information: o -Your name and Account number. sew, -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 u v YouoA not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rude for Credit Cad 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 ma not have to pay the remaining amount due on the Ooods or services You have this protection only when the urchase price was more than S50 and the purc ase was made in your horse state or wr hhn 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 df the amount or location of purchase.) 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 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 dayy we receive your pa t and you will not receive your check, back from your financial institution. The processing of your payment mayy De delayed d you send cash. correspondence or other ^ems wfth your payment if u send the payment to any other addr or g you use an e^vekspe other than the one provided. Payments received on of after 1 PIR Monda through Friday or on a weekend or Dank holiday will be posted to your Account as of the next business day. If you have, misplaced your envelope.,,seno lrour_payment to Discover Bank, PO Box 6103, Carol Stream, IL 60197-6103. Please alldW 7.10 days for delivery. If your payment is returned unpaid we reserve the rugm to resubmit it as an electronic debit You can pa ur minimum payment or a greater amount over the telephone and You can set up automatic payments. Call us at 1.800.347-2683. You will need t is statement and your bank account information. You must ensure Vu sufficient funds are available in ur 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 zu?code, By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and Your bank to deduct each payment you authorize from Your bank account and to initials debit or credit entries to your bank account as applicable to correct an error in the processing of such payment. You must tell us the amount of each payment or 1011 can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a ment however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1-000-3 -2663 or by mail at address listed in the previous paragraph. If your payments may vary in amount we will tell you on each monthly statement when your payment will be made and how much it will be Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporsaug. 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 re I. the status and payment history of your Accoun( to credit reporting agencies each month. If yo g that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PU Box 15316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number. Periodic Finance Chataes. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the da[e the transaction occurs until the date of repayment and on Old Balances unfit the date or repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears LY the Payment Due Date, and the Payments and Credits on that statement eyseal or exceed your Previous Balance. We call this the "grace period'. You do not have a gran perod on balance transfers or cash advances Periodic Finance Charges are imposed on new balance lranskrs and cash adwnces beginning with the date the lansaclion occurs. Periodic Finmce Charges are unposed on all transactions and tlld Balances until the dale of repayment Repayment means pa merit of your entire New Baance. Fbwever if you pay the New BaWriCe shown on this billing slalemenl the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed Ise Previous Balance we wily not impose Periods Finance Charges on new purchases, that is purchases first aD. ing On this statement d your Account was closed as or. f0 SEWember 27.1999: or III, Audusl 31.2001 and was formerly a biscover® Prime spate Periodic Finance Chargeseich day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction :s) I, using the following equation: Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (Refer to the finance ummaryy on the front of your statement fdr these amounts.) Then we ad( all the Periodic Finance Charges for each transaction calevg, to total PBrbdic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply -lo the in a transaction category. se the two-cycle averaae daily balance fincludino new transactions) method of calculatina the balance upon which we impose Periodic we are the on balance transfer transaction category It a transaction made in -a -previous billg period is itemized on date to be the first day of the currehY billing period when we calculate your Periodic Finance Charges. For TOO (Telecommurukatkm Device for the Deaf) assistance, please call 1-800-547-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. Closing Date: MCLAlNI ROY C DISCOVER September 5, 2t?t)6 Account number ending in 9362 CARD page 2 of 2 Cashback Bonus ® Award Summary C_ashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 11.45 Purchase Award This Period + 0.00 Cash ac Bonus Award Total 1 1.,45 Cashback Bonus Award Balance Award Available to Redeem 11.45 $ 0.00 RestrictV= W12 oshback Bonus Partner offers visit Dacaver or colt 1-800-DISCOVER 0.804347-2683) for details. Foam ils, see the Cashbock Bonus forms and Con it ions. New Balance DISCOVER $91661.91 CARD 05 SDSN6A01 OW3587 MCLAIN, ROY C 5252 E TRINDLE RD MECHAMICSBURG-PA 17050-3526 Minimum Payment Due Account Number ending in 9362 $483.00 { Enter Amount Enclosed Below J Payment Due Date $ November 4, 2006 Please make check payable to Discover Card. Y l h ou are over imit. Pay t e sum of the monthly minimum payment plus the overlimit amount of $161.91. Will your payment get to us on time; Pay your bit[ online and your payment can lea made to your account on the same day. Visit Discoveneom/payments Way. PO BOX 71084 1111111111111 Evil 111$ 111111 CHARLOTTE NC 28272-1084 Addreu, e-mail or telephone change? Print change in space ( (Ilu(nnlrllurlulrlurllllurlulululln(ulnlrln,ll above, or go to Discover.com. Print your a-mad address to r receive important.Account information and special offers. 000001986458271370625096619100000000048300 Discover Card Account Summary Closing Date: October 5r 2006 page 1 of 2 Account number ending in 9362 Previous Balance $9,128.82 I Payment Due Date November 4, 2006 Payments And Credits 0.00 Minimum Payment Due $483.00 Purchases + 310.32 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 = Cash Credit Limit $4,800.00 Finance Charges + 222.77 Cash Credit Available $0.00 New Balance = $9,661.91 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus! Opening Cashback Bonus Balance $ 1 1.45 New Cashback Bonus Earned + 0.58 Cashback Bonus Balance $ 12.03 -; Cashback BoausS Anniversary - - - - - - - - - - - - - - - - - - - - . Available to Redeem . - $ ------------------------ 0.00 - - Date: July 5 How Can We Help You? P I . Visit Discavsr com to pay your lei for no cost, view latest Account information, earn and redeem rewards and more 'It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selfaervice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (auidance for hearing impaired) see reverse side Sob Lake City, UT 84130 i Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Other/Milci&neous Oct 5 Oct 5 OVERUMIT FEE $ 39.00 Oct 5 Oct 5 LATE FEE 39.00 Services Sep 27 Sep 27 KAPP ADVERTISING LEBANON PA 34.40 Home Improvenvorrt Sep 20 Set) 20 LOWE'S #2223 MECHANICSBURGPA 170,20 Sep 21 Sep 21 LOWE'S #2223 MECHANICSBURGPA 9.25 Sep 21 Sep 21 RITTER HARDWARE CO. MECHANI SBURGPA 18-47 reformation-For You---- -------------- - -- ------ - - - ---- i 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. t :****rr ATTENTION "**r** ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION *******Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. i Important Information. It there is more than one page to this lulling 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 o Lost or stolen cards. Report immedialeyl Call 1-800-347-2583. Z m Willing Rights Swarr's - In Case of Errors or Ouestions About Your Bill: If u think your bill is wrong, 0r if Y01,n eed more information about a o transaction on Your bill, write us on a serate sheet of paper at Discover LYard; PO Box 30421, Salt Lake City, UT 4130-0421, 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,tt °o doing so will not preserve your rights In your letter, give us the following information: o •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 v You do not have to pay any amount. in question while we are investigating, but you are still obligated to pay the parts or your bill that are not in question. While we investigate your question, we, cannot report you as delinquent or lake any action to collect the amount you question. Special Rule frr 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 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 wi hin 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 a the amount or location of purchase.) 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 men! 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 sown as the carne day we receive your pa t and you will not receive your check, back from your financial institution. The processing of your payment may be degl?d B You Send cash, correspondence or other Items with rur payment if you send the payment to any other address or if you use an edveIr other than the one provided. Payments received on or alter 1 PKt Monday through Friday or on a weekend or Dank holiday will De posed to your Account as of the next business day. If you have, misplaced your envelope,_send,Yo gr_payment to Discover-Bank, PO Box 6103, Carol Stream. IL 60197-6103. Please allow 7110 days for delivery. If your payment is returned unparol We reserve the It to resubmit it as an electronic debit ou can pa r minimum pant or a greater amount over the telephone, and You can set up automatic pa1n enls. Call us at 1.800.347.2683. You will Weer! Lois statement and ,our bank account Information. You must ensure Nat sufficient funds are avalable in our bank account, and all transactions must campy with U. S. law. You will be asked to provide the first 5 digits of your account statement ii?code. By entering those numbers as your ekcVOnic sgnaWre, You with be agreeing to this aulhorfzation is allow us and your bank to deduct each Daynxnt you authorize from Your Dank account and to initiate deDil or uedR entries to you r bank account as applkaDle to.correcl an error in the processinng0 of such payment Yo must tell us the amount ot each payment or yyou can select an amount such as the Mfmmum Pymenl Due or the New Balance on each statement. You can cancel a payment however we musT receive notice al least three business days in atlvance a the scheduktl payment. You Y rrotify us by phone at 1.800.347-2683 or by math at address lisled in the previous par.ppraph. If your payments may vary in amounl?we will tell you on a ch monlhry statement when your payment surd be made and haw much it will be. Your Automatic payment amount may less than ntlrcatetl on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed pa menns, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete please write us at the following address, Discover Classic Card, PD Box 15316, Wilmington DE 19850-5316. Please Include your name, address. home telephone number and Account number. Periodic Finance Ch s. Except as provided below, we will Impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the d the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the Wittig, statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement eipal or exceed your evious Balance. We call this the "0race period". You do not have a rape period on balance transfers or cash advances. errdic Finance Charges are Imposed on new balance transfers and cash advances beginnin with one dale the transaction occurs. Periodic Finance Charges are imposed on a transactions and tad Balances until thep ydate of repayment. Repayment means pa nt of your entire New Balance. However If you pay the New Balance shown on this billing statement r? the Payment Due Date, and the Payments and Credits shown on this. statement equal or exceed the Previous Balance we will not impose Period' Finance Char on new purchases, that is, purchases first apppeearngg on this statement d your Account was clonal as a: (i) September 27,1999; or (it.) Augustg31,2001 and was formerly a Discover® Prime Option, Discover National Alliance for Mies StrrvivalA or Universal Studios Account or (iii September 30, 2001 and was formerly a Discover Smi!nsehian_AMCwant vnu caP?avotd payhienl oM. Per)odic Finance ChargAl rf.&v.pay the N,°w.. lagp.shown on this statement It the PaymerlDue udic and the Papymnenls and Ci its on this sta a I. e%' l or exceeu your neviuus Bat:iwe. Otherwise, you will receive a billing slatemeu next month that includes Periodic Finance Charges imposed Ne date of repayment We cow te Periodic Finance Charges each dal for purchases, cash advances, balance transfers and Oa Balances (which we refer to as transaction categories by using the following equation: Average Daly Balance x number of dotys in the billing period x Dairy Periodic Rate. (Refer to the finance charge summary on the front of your statement for these amounts) Then we add all the Periodic Finance Charges, for each transaction category to et the teal Periodic Finance Charges for your Account The Average Dairy Balance is shown as 0 if no Periodic Finance Charges apply to the We use the two-cycle average d87, balance (including9 new transactions) method of calculating the balance upon which we impose Periodic Finance Charggees. This means 9 y8b did a pay the New Balance shown on the billn0 statement you received during the previous billing period by the Paymentl7ire late, we will impose Periods: Finance Charges on new purchases That first appeared on that bitting statement as well as new purchases that firs( appear on this billing statement unless we alreaddyy imposed Periodic Finance Charges on the ppurchases on your previous billing statement We compute the aver dal WlanCe for each transabtion category by adding up all the dairy balances in a billing period for a transaction category and dividing thtotal Ne number of days in the billing cycle. We compute the dairy balance for each transaction category on each dal pplyv first adding the lotbwinp to a previous day's dairy balance: transactions made that doty, fees chargped that day and Periodic Finance Charges ,asCrued on the Drevious day's orally balance; and by then subtracting any credits and payments that are applied against the balance of the transaction ca,nr on that day. In calculating the daily balance for the previous billing period, we consider the previous day's daily balance" to have been 0 on The first day of the biifir priod Old Balances are excluded from the balanece of the purchase and cash advance transaction categories Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are Included in the daily balance transfer transaction category. Balance transfers that were subject to an initial special rate tMl Was been lermmaled due to a late payment or because you exceeded Wur Account credit Iimil are also included m the category until the initaI special rate otherwise would have expired. In calculating the daily balance of the balance tr;raster transaction category on trio is day ot the DiBkw perwe suDlraa the tinWid baance a those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase race balance transfers on that dot and we add Nat unpaid balance to the Wlance of the purchase lransactlon eale9ory. All lees chargetl toyour Account are atlmd to Ne rchase transaction category with the exception of Cash Advance Transaction Fee Finance charges which are adtled to one cash advance loan category and Balance Transfer Transaaion Fee Finance Charges which are added to the balance transfer lranfiel. category. d. a transaction made in a previous billing period is itemized on this statement we consider trio transaction tlate to be the ", day of the current "urg period when we cakulale your Periodic Finance Charges. For TOO (Telecommunicatlom Device for the Deal) assistance, please call 1-800-347-7449. The Discoverip Classic Card is issued by Discover Bank, Member FDIC DISCOVER MCLAM, ROY C DISCOVER -Ra Account number ending in 9362 CARD m 944'r Discover" Card ranked #1 in Customer Loyalty-for 11 years in a rows I've never been so impressed wish a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T.-Cleveland, Ohio Experience it for yourself at Discavercom *Acmrd V ro da 2008 Brand Kays Cudww toy* E^Bcqwmnn trdaa ReW CM Dltm Bank, Medan FDIC Closing Date: October 5, 2006 page 2 of 2 Dismvercord.com provides you with the easiest online sell sevice 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 ii just a click awayl Register or log in to Discovercord.com/registermyaccotw :Finance Charge Summary ?e P a Nominal ANNUAL Transaction ANNUAL eriodic p F Daily w dic PBICENfAGE flCrdriAGE Rates RATES RATES CHARM CHARGES ';current billing period: 30 days purchases $5131.89 0.07942% 28.99% V 28.99% $122.26 none `Cash Advances $4218.44 0.07942% 28.99% V 28.99% $100.51 $0 tThe rates that apply to your Account are either fixed (F) or they may vary M as noted above. 'Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $9,337.29 $252.00 Enter Amount Enclosed Below CARD Payment Due Date $ December 4, 2006 Please make check payable to Discover Card or pay online Q D'ucovercard.com. 05 SDSN6A01 0003588 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discovercom/payments today. PO BOX 71084 Illsrsllrsrllsssrlrlrrlrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Prim change in space Inirllulnrlrllunlulnlrnlllinrinrinluliniululslull above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625093372900000000025200 Discover Card Account Summary Closing Date: November 5r 2006 page 1 of 2 Account number ending in 9362 Previous Balance $9,661.91 Payment Due Date December 4, 2006 Payments And Credits - 561.00 Minimum Payment Due $252.00 Purchases + 0,00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $162.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finance Charges + 236.38 Cash Credit Available $162.00 New Balance $9,337.29 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening cashback Bonus Balance $ 12.03 New Coshback Bonus Earned + 0.00 Coshback Bonus Balance $ 12.03 Ceshback Bonus® Anniversary - Availabl?_to Rec?eenr ....... ._ $ .. ... Uti00 - _ _ Date: July 5 i Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashbock Bonus on Got More purchases in popular caaktegyoories th h t th d % b k roug ou e year an up to 1 Cash ac Bonus on all your other purchases. How Can We Help You? P 1. Visit Discaver cam to pay your bi far no cost, view your latest Account information, sam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800USCOVER (347-2683) for fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assislame for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Sall Lake City, UT 84130 Transactions $0 Fraud Lfabftity Guarantee Use your Discover Card with confidence. Trans. pat Date Payments and Credds Oct 27 Oct 27 PHONE PAYMENT - THANK YOU $ -483,00 Oct 29 Oct 29 OVERUMfT FEE REFUND -39.00 -`-- - °-----------0.ct.22--Oct 29_1ATE_CHARrkMlJND.-'- ---------------------3900- - Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE i RATE: 28.99%. Rate is subjed 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 additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account- o Lost or stolen cards. Report immediateyl Call 1400-347-2683, yr z m Billing Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill Is wrog or if you need more information about a o transaction on your big, write us on a se parate sheet of paper at Discover Card; PO Box 30421, Salt Lake City, OT 84130-0421, as soon as possible. We must hear from you no later than 6 days after we sent you the first bill on which the error or problem appeared. You can telephone us,lbut g doing so WWI 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, d 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 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 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 pay the remaining amount due on the ggoods or services You have this protection only when the purchase price was more than S50 and the purr ase was made in your home state or wihin 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase. Payments. Send only your payment and the top poilton 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 Uansac0on. If pa menl 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 mike an electronic fund transfer funds may be withdrawn from your account as soon as the same day we receive your pa nL and you will not receive your check back from your financial institution. The processing of your payment my be dehved 7 you send cash, correspondence or other hems 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 or on a weekend of. bank holiday will be posteO to r Account as of the next business day. If you have, misplaced your envelope, send r_payment to Discover Bank, PO Box 5103, Carol Stream, I[ 60197.6103: Please allow 7.10 days for delivery. It your payment is returned unpaid we reserve the nVt to resubmit it as an electronic debit You can pay yyoour minimum payment or a greater amount over the telephone, and You can set up automatic payments. 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 WIN be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you win be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from Your bank aceounL and to initiate debit or credit entries to your bank account as applicable to correct an error in the processing of such paymanlu You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a anent however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1.800.347-V663 or by mail at address listed in the previous para0 ini. If your payments may vary in amount we will tell ru on each monthly statement when your payment will be made and how much it will . Your Automatic payment amount may be less than dicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Report". We may report information about your account to credit bureaus. Late payments, missed pa menns, or other defaults on your account may be reflected in your credit report. We normally ie t the status and payment history of your Account to credit reporting agencies each month. If you beti?ve that our report is inaccurate or incomplete, please write us at the following address Discover Classic Card, PQ Box 15316. Wilmington DE 19850.5316. Please Include your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we win im Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dacce the Uansaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are cemprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billinPr statement on which the urchase first appear by the Payment Due Date, and the Payments and Credits on that statement a seal or exceed your evious Balance. We call Phis the "0race period'. You do not have A grace period on balance transfer or cash advances Periodic Finance Charges are imposed on new balance transfers and cash advances beginniw with the date the transaction occurs. Periodic Finance Charges am imposed on all transactions and Did Balances until the date of repayment Repayment means pa nt of your entire New Reprice. However N you pay the New Balance shown on this bating statement by the Payment Due Date, and the Payments and Credits shown on this statement edua) or exceed the Previous Balance. we will not Irrinme Periodi Finance Charnel nn nem -mhae • mar rc m,,,haese nrd :eu you[ ricvruus HaW,cC . otnerwise, you will receive a billing statement next of repayment t advances, balance transfers and rid Balances (which we refer to as transaction number of days in the billing period x Daily Periodic Rate. (Refer to the finance Then we add all the Periodic Finance Charges for each transaction category to rage Daily Balance is shown as 0 if no Periodic Finance Charges apply to the new transactions) method of calculating the nce shown on the bilfina statement you rece on as wen as to an in the Charges wh cli ae idde0 W the rise advance iransac6on category and Balance°fransfa TiansacUOrr Fi balance lransfcrrtransaction catspenl N a transaction made in a previous billing period Is itemized on date to be the first day of the current Di1fing period when we calculate your PerioOic Finance Charges For TOD (Telecommunications Device for the Deaf) assistance, please call i-800.347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER MCLAIM, ROY C DISCOVER Account number ending in 9362 CARD Bri +ler Discover" Card ranked I in Customer Loyalty-for 11 years in a rowel' 'I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone coil when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life.' Domes T. Cleveland, Ohio Experience it for yourself at Mcover com *A-rdm0 b dre 2008 Brand Keys Customer L" ky Eneogamwd kdu Repot 02008 M wr Bank, M mbu FDIC Closing Date: November 5, 2006 page 2 of 2 Finance Charge Summary Nominal ANNUAL Average P ? A Transaction Periodic F ? dic FSKENTAGE ?ro CEEI GE MANCE Rates RATES HATES CHARGES current billing period: 31 days Purchases $5279.51 0.07942% 28.99% V 28.99% $129.98 none Cash Advances $4321.84 0.07942% 28.99% V 28.99% $106.40 $0 'The rates that apply to your Account are either fixed (F) or they may vary (try as noted above. ;Questions? Manage your account at Mscover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER $9,640.34 $493.00 CARD Payment Due Date January 4, 2007 05 SDSN6AOI 0003569 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Pbase mdse check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the ovedimit amount of $140.34. Will your payment get to us on time? Pay your ri online and your payment can be made to your account on the same day. Visit Discovencom/paymernts today. PO BOX 71084 11111111111111111 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space ?n?r??u?nr?h??ur?u?rlurll??rlnl+rln llh rlu?ul rlull fill above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458271370625096403400000000049300 Discover Card Account Summary Closing Dale: December 5, 2006 page 1 of 2 Account number ending in 9362 Previous Balance $9,337.29 Payment Due Date January 4, 2007 Payments And Credits 0.00 Minimum Payment Due $493.00 Purchases + 78,00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finance Charges + 225.05 Cash Credit Available $0.00 New Balance = $9,640.34 You may be able to avoid Periodic Finance Charges, we the reverse side for details. CashbaCk BOnus® Opening Cashback Bonus Balance $ 12.03 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance S 12.03 CashbackBoausSAnnivers ry --.------------ Avdlablet6Redeem --- $------- 0.00-- Date: July 5 ;How Can We Help P You? 1 • Visit Discwbr earn to pay yarn bin for no cost, view your 6kW A t i f i d d Ws your choice - 3 ways to help ccoun n ormat on, earn an re eem rewards and more 2. Call 1-80ODMOVER [347-2683) for fast easys4service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD )assistance for hearing impaired) see reverse side 3. Write us of Discover Card PO Box 30943, Salt lake City, UT 84130 Transactions $0 fraud Uability Guarantee Use your Discover Card with confidence. Trans. Post Dais Daft Olhsr/MisceAansous Dec 5 Dec 5 OVERUMIT FEE $ 39.00 Dec 5 Dec 5 LATE FEE 39.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.0794296; 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 ? r l Nominal Transaction ANNUAL ANNUAL P c f ? P err ' adic PE RCENTAGE PERCENTAGE FNAN C t IATKF E Bold OS? Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $5017.86 0.07942% Cash Advances $4427.75 0.07942% 28.99% V 28.99% $119.55 none 28.99% V 28.99% $105.50 $0 The rates that apply to your Account are either fixed (F) or that' may wry M as noted above. Impartant 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. Eli v Lost or stolen cards. Report immediately! Call 1-800-347-2683. rn z m BUBng Rights S In Case of Errors or Questions About Your Bill: If u think your bill is wrong, or if 1rou need more informaton about a o transaction on your bit, write us on a separate sheet of paper at Discover Card; PO Sox 30421, Sall Lake Cily, UT 84130-0421, 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 g .Your doing so will not preserve your rights. In your letter, give us the following information: name and Account number. -The dollar amount of the suspected error. -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure v You W 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 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 my not have to pay the remaining amount due on the goods or services You have this protection only when the purchase price was, more than $. I and the purc ase was made in you( home state or wr in 100 miles of your mailing_ address. (If we own or ate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 deck 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 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 pa nt. and you will not receive your check back from your financial institution. The processing of your payment may be delayetl 17 you send cash, correspondence or other Items with rur payment, it u send the payment to any other address or if you use an envelope other than the one provided. Payments received on or of er 1 PNI Monda?througgh 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 enverope, _send your-payment to Discover-Bank, PO Box 5103. Card Stream, IL 60197-6103.- Please allow 7-10 days for delivery. If your payment is returned unpaid. We reserve the r1luto resubmit it as an electronic debit Yo can pay Your minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1.600-347-2683. You will ne is 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 election. sgnature, you will be agreeing NIN' authoraation to ow us ad bank tdeduceach ymenu authoe roYour bank account and to iniale debR or crenlrbank aount aapptcorrect an error in he preng of such paent you mul teN unt d eah pat or lect n unt ch s inimuaymDuor hNew lance on estatement You can canl a Wymeat however we mundicat least three busnedays n d hscduld pent Yu y ndify us by phot 1-800347-2683 or by mag at addn the previous paragraph U your paYmenls may vary in amount. we will tell you on each mouthy subs mar when your psyrr-t will be made and how much it will be Your Aulomafic payment amount may be less than ntlicaled on th e monlhry statement based on credits or payments applied during the bng cycle. Credit Reporting. We maY report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If Yyopuy Del' that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PO Box 15316, Wilmington "DE 19850-5316. Please Include your name, address, home telephone number and Account number. Periodic FinWc Cs. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the da the transaction occurs until the tlate of repayment and on Old Balances until the date of repoymeal Old Balances are comprised d either purchases and cash advances made on or prior to the Iasi day d your DiBing period ending during February 1993 or Reserve Line bahnces You can avoid payment of Periodic F.ance Charges on new purchases if you pay the New Balance shown on the billing statement which the purchase first appear by the Payment Due Dale, and the Payments and Credit on that statemc I IGual or ex nod your Previous Balanceon. We call this the A' ace per". You do nit Dave a grace ppeedotl on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance rs and cash advances beginning with 1Dis dale Me tran. sun occurs. Period. Fince Charges are imposed on a transadions and Old Balances unfit the date d renavmem Renaumem m•?ne rovm.m ?r v,.??..•h.• on mis statement equal or exceed the Previous Balance, we inance cnarges.eacD day fOr purcbases, cash advances, balance transfers and OM Balances (which we refer to as "nsaction fd.w.g equation: Average Daly Balance it number of days in the DirUng per oil x Daily Period. Rate . (Refer, to the finance front dypur state ment for then amounts) Then we add all the Periods Finance Charges for each transaction y ?alegnpry to nonce Cfiargei for your Account The Average Daily Balance is shown as 0 it no Periotl. Finance Charges applo the category. .k averaG dally balance (.cWdin9 new VansacUons) method of ca.ulaUng the balance u n h w.h we impose Periodic means if yaU tliif rid pay the New Balance shown on the billing statement you received dunngpoNe prevous bilking periba by we wiff impose Period. Finance Charges on new purchases that first appeared on that Di in. statemenL as well as new on are the Balance ct to an Iin the I'm i nee rmance unarges which are a on this statement we consider the irate rte see me first pay of me current curing period when we calculate your Periodic Finance CI For TOO (Telecommunications Device for the Deaf) usistance, please call 1-800-347-7449. The Discover® Class. Card is issued by Discover Bank, Member FDIC. dosing Date: MCLAIN, DISCOVER ROY C December 5 2006 Account number ending in 9362 CARD page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 5 Balance Previous Cashback Bonus Award Balance $ 12.03 Purchase Award This Period + 0.00 Cashback Bonus Award Total 12.03 Cashback Bonus Award Balance Award Available to Redeem 12.03 $ 0.00 ;Restrictions apply to the Cashback =8 P?r?e? offers visit Dacovv.asm or call 1 4100 DISCOVER (1 800.347.2683) for delails. For program details, ses tnus terms and Conditions. ent Due New Balance Minimum lc?m DISCOVER $9,958.53 $749.00 CARD Payment Due Date February 4, 2007 05 SDSN6A010003590 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Platinum Card. You are ovedimt. Pay the sum of the manihly minimum payment plus the ovedimit amounT of $458.53. Will your paymerd get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/paymessts today. PO BOX 71084 l{hullerllunlrhrlrhl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to hr{r{{ulru{r{{ur{gill {w{{{logs {n{uluQulu{uhlu{) receive important Account information and special offers. 000001986456271370625099585300000000074900 Discover Platinum Card Account Summary Closing Date: January 5, 2007 page 1 of 1 . Account number ending in 9362 Previous Balance $9,640.34 Payment Due Date February 4, 2007 Payments And Credits 0.00 Minimum Payment Due $749.00 Purchases + 78.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credo Limit $4,800.00 Finance Charges + 240.19 ' Cash Credit Available $0.00 New Balance $9,958.53 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonus Opening Cashback Bemis Balance $ 12.03 New Cashbock Bonus Earned + 0.00 Cashbock Bonus® Anniversary - ... Date: July 5 Cashbadc Bonus Balance $ 12.03 Available to-Redeem....... • .. , .. $ 0.00 ..... . :How Can We Help You? P I • Visit Discover corn to pay your bd for no cost view r latest Account information, earn and redeem rewards aed more It's your choice - 3 ways to help 2. Call 14000WOVER (347.2683) For fast, easy self servics Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearing Impaired) see reverse side ( 3. Write us at Discover Card PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Oats odrer/Miudmroous Jan 5 Jan 5 OVERUMIT FEE $ 39.00 Jan 5 Jan 5 LATE FEE 3g 00 Information For You Bakmce 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 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. `Finance Charge Summary Average Daily Nominal ANNUAL Transaction ANNUAL Periodic Fee Daily Periodic PERCENTAGE PER ENTAGE F%Ma FINANCE Sold ncas Rates RATES RATES CHARM CHAM ' cunwd billing period: 31 days Purchases $5219.79 C h Ad 0.07942% 28.99% V 28.99% $128.51 none as vances $4536.28 0.07942% 28.99% V 28.99% $111.68 $0 The rates that apply to your Account are eithe r fixed (F) or they may vary M as noted above. Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Casdmember Agreement. Your Cardmember Agreement contains all the terms of your Account rn 0 Lost or stolen cards. Report immediately! Call 1-800-347-2683. rn z m BIWy Rights Sw!mw In Case of Errors or Ouestions About Your Bill: If you think your bill Is wrong, or it Yyou need more information about a o transaction on your bit write us on a separate sheet of paper at Discover Card; PO Box 30421, Salt Lake City, I1T 64130-0421, as soon as possible. We must hear from you no later than 6U days after we sent you the first bill on which the error or problem appeared. You can telephone us,'but o doing so will not preserve your rights. In your letter, give us the following information. .Your name and Account number. The dollar amount of the suspected error. •a? the 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 80 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 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 mg not have to pay the remaining amount due on the gootls or semces You have this protection only when the purchase price was, more than f50 and the purc hase was made in your home state or within 100 miles of your mailing address (If we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the lop 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 onyou r check or to process the payment as a check transaction. If payment is processed as an a ectronic fund transfer, the transfer will be for the arlfour t of the cheek. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account at 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 ngy be delayed n you send cash, correspondence or other items with Pa 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 afif"'i PIR Monday through Friday or an a weekend or oink holiday will be basted to your Account as of the next business tlay. If you have, misplaced your envelope, send ur_paymenl to Discover-Bank , PO Box 6103, Carol Stream, IL 60197.6103: Please allow 7-10 days for delivery. If your payment is returned unpaid we reserve the rklht to resubmit it as an electronic debit You can Day your minimum ment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-600-347-2683. You will need this SUtemenl, a?r bank account information. You must ensure That sufficient funds are available in your bank account and all transactions must comply wit,Tr 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 each payment you authorize from your bank account and to initiate debit or credit entries to your bank account as applicable to correct an error in the processin g of such payment. You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Batance on each statement You can cancel a payment however we must receive notice at least three business 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 paraggraph If your payments may vary in amount we will tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit ReporUn'. 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 re rt the status and payment history of your Account to credit reporting agencies each month. If y behove that our report is inaccurate or mcom ete, please write us at the following address. Discover Classic Card, PU Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance CAaraes. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date of repayment and on fled Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Purchase first appears by the Payment Due Date, and the Payments and Credits on that statement egVal or exceed your Previous Balance. We call his ins 'Brace period'. You do?not?he" a grape period on`balance transfers or cash advances Periodic Finance Charges are imposed on new hahnn. 'x ace w. rn.. .. .. .. _ _ _ .__ r you of ex YOU 1 advances, balance transfers and Old Balances (which we refer to as transaction number of days in the billing period x Daily Periodic Nate. (Refer to the finance Then we add all the Periodic Finance Charges for each transaction cafedqoo age Daily Balance is shown as 0 if no Periodic Finance Charges apply lory the ht]iy in 1 late All fees cnargeo Charges which are ro rb:necouthe cmasare h a balance transfer transaction category I date to be the first day of the current bil we For TOO (TelecorrNrpx icatlom Device for the Deal) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due DISCOVER $10,284.66 $1,013.00 CARD Payment Due Date March 4, 2007 05 SDSN6AO10003591 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Platinum Card. You are overiimit. Pay the sum of the monthly minimum payment Plus the ovedimit am= of $784.66. Wig your Payment get to us on time? Pay your bill online and your payment can bs made to your *=our* on the some day. Visit Discover.com/payments today. PO BOX 71084 lllsscllsullur,istssls?s CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lulu))ulurlrllurlulrlwlilir,ntulr,lrrllr,lrpill] ninnll above, or go to Disoaver.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625102846600000000101300 'Discover Platinum Card Account Summary Closing Date: February 5, 2007 page 1 of I ,Account number ending in 9362 Previous Balance $9,958.53 ;Payment Due Date March 4, 2007 Payments And Credits 0.00 Minimum Payment Due $1,013.00 Purchases + 78.00 CreditUmit $9,500.00 Cash Advances + 0.00 Credd Available $0.00 801snce Transfers + 0.00 Cash Credit Limit $4,800.00 Firumm Charges + 248.13 :Cash Credit Available $0.00 New Balance $10,284.66 You may be able to avoid Periodic Finance Charges, see the s reverse side for details. CaShback BOtiuS® Opening Cashback Bonus Balance $ 12.03 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance $ 12.03 jCashback Bonus® Anniversary Available b.Redeem- - ----- . ---- . $ ..... - - - 0.00 ;Date: July 5 :How Can We Help You? 1. Visit Discavercom to pay year bill for no cost, view r low Account infxmation, earn and redeem rewardaanamd more ft's your choice - 3 ways to help Pleose have Discover Card available. your :For TDD {assistance for hearing impaired) see reverse side 2. Cal 1-800-DISCOVER (347-2683) For fast, easysdfservice options or to speak with a Customer Service Account Manager 3. Writs us at Discover Card, PO Box 30943, SaB Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dodo OlhoriM'pceBansous Feb 5 Feb 5 OVERUMIT FEE $ 39.00 Feb 5 Feb 5 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 D y ANNUAL ANNUAL Periodic Fee a ? is PERC04TAGE PBMENTAGE FMIdiCE RNANCE RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5428.78 0.07942% 28.99% V 28.99% $133.66 none !Cash Advances $4649.30 0.07942% 28.99% Y 28.99% $114.47 $0 :The raise that apply to your Account are either fixed fl or they may wry (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 AgreemerM. Your Cardmember Agreement contains all the terms of your Account rn 0 Lost or stolen cards. Report immediately. Call 1400-347-2623. m Z BUNN 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 se rate sheet of paper at Discover Card; PO Box 30421, Sall Lake City. T 84130-0421, 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 g 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. w -Describe the error and explain, tt 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 GQueslion 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 queati011, 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 gootl faith to correct the problem with the merchant, you mayy not have to y the remaining amount due on the Dods or services You nave Nis protection only when the purchase price was, more Than S50 and the purc hase was made in your home state or wlhin 100 miles of your mailing address. (If we own or operate the merchant, or of we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) 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 payment is processed as an a cur 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 pa nt. and you will not receive your check. back from your financial institution. The. processing of your payment may be dapvetl rT you send cash, correspondence or other dams with your payment Jf send the payment to any other address or tt you use an envelope other than the one provided. Payments received on or alter 1 PM Mo .rthrough 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 epvelope„send Your- payment to Discover Bank- PO Box 6103, Carol Stream, IL 60197-6103: Please allow 7.70 days for delivery. If your payment is returned unpaid, we reserve the rmnt to resubmit g as an electronic debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1-000-347-2683. You will neetl IC statement.and lrour 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 each payment you authorize from r Dank account and to initiate debit or credit entries to your bank account as applicable to correct an error in the rocessing of such pa rat You must tea us the amount of each payment or You can select an amount such as the Minimum Payment Due or thpe New Balance on each statement. You can cancel a t however we must receive notice at least three business days in advance of the scheduled payment You may notifj us by phone at 1.800.347.2683 or by mail at address listed in the previous para0 lih. If your payments may vary in amount we will tell you on a ch nthly statement when your payment will be made and how much it will . Your Automatic payment amount may less than ndicaled on he monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about r1rour account to credit bureaus Late payments, missed pa menns, or other defaults on your account may be reflected in your credit report We ndrmally re t the status and payment history of your Account to credit reporting aggencies each month. If you betiaya that our report Is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PO Box 15316. Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance ChoTs. Except as provided below, we will impose: Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date of rpayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Gurchase first appears by the Payment Due Date, and the Payments and Crodip on that statement aGual or exceed your Previous Balance. We call this the " race period". You do not Aave a pn'ce period on Wlance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash adwnces beginning vnN the date Ne transacgon occurs. Periodic Finance Charges are imposed on alt trantaclions and Old Balances until the dale of repayment Repayment means payment of your entire New Balance. However tt you pay the New Bolen a shown on Nis billing slalemenl bbyy the Payment Due Oate, and trio Payments and Credits shown on Nis statement equa) or exceed the Previous lance we will not impose Periodib Finance Char es on new purchases, that is purchases first appearing _on thk_ slalemenl.. H your Account visa plosed as of: (i) September 27,1999; or OO Audust 31,2001 and was formerly a Discover® Prime stanement equai or exceed your f,evwus 9al:r,?a. Otherwise, you will receive a billing slatEmeur next is imposed un the date of repayment h day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction Averge Daily Balance x number of days in the Wiling period x Daily Periodic Rafe. (Refer to the finance tent for these amounts) Then we adtl all the Peri is Finance Charges for each transaction cafegTry to your Account. The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the balance (including9 new transactions) method of calculating the balance upon which we impose Periodic pay the New Balance shown on the billingg statement you received during the previous billing period by iodrc Finance Charges on new purchases bat. first appeared on that biking statement as well as new Kil an the on An ices cnargeo w your Account are ad= to Ne urchase transaction calegA??ry with the exception of Cain Advance Transaction I Charges which are ad to the cash advance vansac'on category and Balance Transfer Transaction Fee Finance Charges which are a balance transfer transaction categapryv tt, a transaction made in a previous Wiling nod is itemized on this statement we consider the date to be the first day of the current Diginp period when we calculate your Perio?'icgeFinance Charges. For TOD (Telecommunications Device for the Deal) assistance, please call 1-800.347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. New Balance DISCOVER $9,897.07 CARD 05 SDSNGA01 0003592 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Minimum Payment Due Account Number ending in 9362 $701.00 Enter Amount Enclosed Below Payment Due Date Apra 4, 2007 Please make check payable to Discover Platinum Card. You are ovedimit. Pay the sum of the thl mon y minimum 9ayment plus the overlimit t f $397 0 amoun o . 7. Will your payment get to us on time? Pay your bill online and your payment can 6e made to your account on the same day. Visit Discovercom/payments today. PO BOX 71084 111111 Ill 1111111111 11111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changer Print change in space ?u?r??n?urfr))nr?n?r?ur????nrr?u?u?n??u?u?u?r?u?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OOOO01986458271370625098970700000000070100 --------------------- Discover Platinum Card Account Summary Closing Date: March 5, 2007 page 1 of2 Account number ending in 9362 Previous Balance $10,284.66 Payment Due Date April 4, 2007 Payments And Credits 693.00 Minimum Payment Due $701.00 Purchases + 83.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $4,800.00 Finance Charges + 222.41 Cash Credit Available $0.00 New Balance $9,897.07 You may be able to avoid Periodic Finance Charges, we the i reverse side for details. Cashbook Bonus® Opening Cashback Bonus Balance $ 12.03 New Cashback Bonus Earned + 0.00 Cashbadr: Bonus Balance $ 12.03 CashbackBonus®»Mniversary-------------- -------- Avdila--ebRedeem---------- $-- ---OAO------.. 's Date: July 5 How Can We Help You? P 1. Visit Discavsr com to Payyarr bill for no cost `""r West Account inforrrnetion, earn and redeem rewords and more It's your choice - 3 ways.to help 2. Call 1-S00-DISCOVER 1347-2683) for fast, nosy selFaervice ;Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearing see reverse side 3. Write us Discover Card' PO Box 30943, impaired) Salt Lake City, to 84130 Transactions $0 Fraud Liability Guaranie Use your Discover Card with confidence. Trans. Post Dab Dab Payments and Credits Fab 8 Feb 8 PHONE PAYMENT - THANK YOU $ 275,00 Feb 9 Feb 9 LATE CHARGE REFUND -78.00 Feb 28 Feb 28 PHONE PAYMENT - THANK YOU -275,00 Mar 1 Mar 1 OVERUMIT FEE REFUND -35.00 Mar 1 Mar I FINANCE CHARGE REFUND .30.00 Other/MisuUansous Feb 8 Feb 8 PAY BY PHONE. PROCESSING FEE - DOT 5,00 Mar 5 Mar 5 OVERUMIT FEE 39.00 Mar 5 Mar 5 LATE FEE 39.00 F Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rats, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. i * • * 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. 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 o Lost or stolen cards. Report immediately, Call 1100-347-2663. in m Billing Rights Summary. In Case of Errors or Oueslions About Your Bill: If on think your bill is wrong or if M8111 ed more information about a o transaction on your bill, write us on a separate sheet of paper at Discover Card; PO Box 30421, Salt Lane Gty, 30-0421, as soon as possible. We must hear from you no later than 60days after we sent you the first bill on which the error or problem appeared. You can telephone us,:but o doing so will not preserve your rights. In your letter, give us the following information: o Your name and Account number. -The dollar amount of the suspected error. -Dyeoscurriibe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the 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 Rude for Credit Card Ptrchnes: 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 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. (R we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless df the amount or location of purchase.) rerwdre rmance cnarges are imposeb on an transactions and urd ualances until the date New Balance. However if you pay the New Balage shown on this billing statement the on this statement equa m l or exceed the Previous Balance we will not ipose Penodi Fir appearing on this statement If your Account was closer) as of, (i) September 27.1999: or statement equal or exceed your F,evwus Balance. Otherwise, you will receive a billing statement next is imposed until the date of repayment h day for purchases, cash advances; balance transfers and Old Balances (which we refer to as transaction Average Daily Balance x number of days in the bilbng period x Daily Periodic Rate. (Refer to the finance lent for these amounts.) Then we add all the Periodic Finance Charges for each transaction category to your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply-to the balance (includingg new transactions) method of calculating the balance upon which we impose Periodic t ply the New Balance shown on the billing statement you received dun the previous billing period by iodic Finance Charges on new purchases That first appeared on that bi cng statement, as we0 as new atemenl unless we already imposed Periodic Finance Charges on the ourchases on Your Pevious billinb on an the on urarum wnwn are aaueu w tno casn auvance transacuon category ano eaiapn1?cneg lpraens¢r rransacuon rate rmance cnarges wmen are a? balance transfer transaction categorryy. If a transaction made in a previous 41fi, . Is itemized on this statement, we consider the date to be the first day of the currenT billing period when we calculate your r l Finance Charges. For TOO (Telecommurdicatlons Device for the Deal) assistance, please can 1-600-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. Credit Reportlrg. We may report information about your account to credit bureaus Late payments, missed pa ments, or other defaults on your account may be reflected in your credit, report We normally re t the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address. Discover Classic Card, PU Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Firartce Ch s. Except as provided below, we will impose Perxxtic Finance Charges on purchases, cash advances and balance transfers beginning with the daa the transaction occurs until the date or repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases n you pay the New Balance shown on the billing statement on which the Orchase first appears by the Payment Due Date, and the Payments and Credits on that statement e Val or exceed your Previous Balance. We call E III! "rice rind"__ You do not have a race pencil. on-balance transfers or cash advances. Periodic Finance Charges are imposed on new DISCiVEii MCLAIN, ROY C DISCOVER^?= firer Account number ending in 9362 &i CARD Discover Card ranked #1 in Customer Loyalty--for 11 years in a rowi*,..,: `I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something loofa suspicious. Your service levels are unprecedented in the industry. You've got a customer in me For life." imnes T. Cleveland, Ohio Experience it for yourself at Discovercom *A.=x6V to in 2008 Brad Ksys Cusomer toy* Enpagenunt Inters Report 02008 Di? Bonk, h4mbr FDIC dosing Date: March 5, 2007 page 2 of 2 Get the flexibility of a home equity credit tine with the certainty of a fixed-rate looni The new Discover Home Equity Una of Credit is guaranteed never to increase more than 1.50 percentage points over your initial rate during the first 5 years. Apply online aF Discoverhomeloans.com today. ------------ ----- ------ - :Finance Charge Summary Nominal Transaction D At?IUAI rH AtJNWLL Periodic Fee is PERCENTAGE ai PERCENTAGE FNrAtdCE fRVr4WfE Bates RATES RATES t HhIRGES /3fARGES 'cument Wing period: 28 days Purchases $5242.03 0.079.42% 28.99% V 28.99% $116.57 none Cash Advances $4759.45 0.07942% 28.99% V 28.99% $105.84 $0 ,The rates that apply to your Account are either fixed IE1 or they may vary M as nated above. .Questions? Manage your account at Discovercom or call 1-SMOSCOVER (1-800347-2683). New Balance Minimum Payment Due DISCOVER $10,125.59 $862.00 CARD Payment Due Data may 4, 2007 05 SDSN6Ao1 0003593 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-SS26 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Platinum Card. You are overlimit. P the sum of the monthly minimumpayment plus the overiimit amourrl of $625.59. Wig your payment get to us on time? Pay your big online and your payment can be made to your account on the same day. Visit Discovercom/payments today. PO BOX 71084 111111 till CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space un(nllue1nlrlurl11Iur1 u1 uln(1u(ulnlrlnII above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625101255900000000086200 -------- -------------- --------- { Discover Platinum Card Account Summary Closing Date: April 5, 2007 page 1 of 1 Account number ending In 9362 Previous Balance $9,897.07 i Payment Due Date May 4, 2007 Payments And Credits 100.00 Minimum Payment Due $862.00 Purchases + 83.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Availabb $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finance Charges + 245.52 Cash Credit Available $0.00 New Balance $10,125.59 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus! Opening Cashbock Bonus Balance $ 12.03 New Cashback Bonus Earned + 0.00 Cashbadc Bonus Balance $ 12.03 -iGashback-Bonusoll? Anniversary-------------••------- Avaflltleto_R4d44T----------- $...__---Q_QQ...._--. Date: July 5 'How Can We Help ? p You I . Visit Diseowr com to pay your bill for no cost our West Account information, loam and redeem "'""' rewards arid more It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347-2683) for fast, easy sehfslorvice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing Impaired) no revere side 3. Write us at Discover Card, PO Box 30943, Sall Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee use your Discover card with confidence. Trans. Post Dab Date Paymlonb and Credits - Mar 23 Mar 23 PHONE PAYMENT - THANK YOU $ 100,00 oAror/MiweOaroous Mar 23 Mar 23 PAY BY PHONE PROCESSING FEE - DBT 5.00 Apr 5 Apr 5 OVERLIMIT FEE 39.00 Apr 5 Apr 5 LATE FEE 39.00 Information For You * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future - - ----------------------- ---------.------------- - payments s660'be roa WWffieafateTy.- Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Periodic F ensactton Daily Periodic PERCENTAGE PERCENTAGE F04ANCE FINANCE Balonces Rare: RATES RATES CHARGES CHARGES current billing period: 31 days Purchases 45100.49 0.07942% 28.99% V 28.99% $125.56 none Cash Advances $487226 0.07942% 28.99% V 28.99% $119.96 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. U) Lost or stolen cards. Report immediatery! Call 1-600-347-2683, rn z m BINYdg 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 se rate sheet of paper at Discover Card; PO Box 30421, Salt Lake City, UT 84130.0421, 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,'bul g doing so will not preserve your rights In your letter, give us the following information: o .Your name and Account number. -The dollar amount of the suspected error. -Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure You So 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 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 coned the pprroblem with the merchant you may not have to ay the remaining amount due on the ggoods or services You have this protection only when the purchase price was more than 550 and the purchase was made in your home state or within 100 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 purchase.) 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 ment 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 pa t and you will not receive your check back from your financial institution. The. pipocessor? of your payment may be delayed B you send cash. correspondence or other items with your payment if u send the payment to any other addreSS"s or k you use an amrelope other than the one provided. Payments received on of after 1 PFI Monda through Friday or on a weekend or bank holiday will De ed to your Account as of the next business day. If you have, misplaced your envelope,,send r-payment to dyo e ieserve the Discover-Bank , PO Box 6103, Carol Stream, K 60197-6103. Please allow 7-10 days for delivery If your payment is returned unpai , W r ghl to resubmit it as an electronic debit You can pa ur minimum payment or a greater amount over the telephone, and You can set up automatic payments. Call us at 1-800-347-2683. You will need this slatament,antl your bank account intormalron. You must ensure That sufficient funds are avalaDle 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 sgnature, you will be agreeing to this aulhorr[atwn to allow us and your bank to deduct each payment you authorize tram lrour Dank account and to miliafe deDii. or credit enures to your bank account as apptkabk to correct an error in the pracessmg of wch p y nt. You must lei us the amount of eacM1 payment or can select an amount such as the Minimum Payment Due or the New Balance on eacA statement You can cancel a id, M1owaver we mull receive notice al least Nree business days in advance of the schetluled payment, You may noliN us by phone at 1-800-347.663 or by maN al arkiress listed m the previous parrgraph. If your payments may vary in amount we wall fell you on each monthly statement your payment will be made and how much it will tie. Your Automatic payment amount may be less loan •ntlicaleso on the monthly statement based on credits or payments applied during the billing cycle. Credit Reportksg. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If WypU? believe that our report is inaccurate or incomplete, please write us at the following address Discover Classic Card, PO Box 15316. Wilmington "DE 19850.5316. Please include your name, address home telephone number and Account number. Periodic Fiance Charges. Except as provided below, we will imposa Periodic Finance Charges on purchases cash advances and balance transfers beginning with the date the transactiwl occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billuig statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement eouat or exceed your revious 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 unposed on all transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However d you pay the New Balance shown on this billing statement W the Payment Due Date, and the Payments and Credits shown on this statement equil or exceed the Previous Balance we will not impose Penodi Finance CDar99es on new Curcha s, that ' purchases tidal apppeearintgl on this statement N your Account was closed as of: (i) September 27,1999: or (ii) Aug. 31,2001 and was tormery a pscover® Prime Opl'wn, Udscover National Alliance for Species Survivals or Universal Studios Account or (iii September 30, 2001 and was formerly a Discover Smithso^ienAccount you cap avoid pay iiant of PytWrfic Finance Charge; if-.Y,co.pay the N;'•y,-6la0ce-shown on this statement by the Payment, Due unie mud die Payments ano Gedds on this statement I or exceed your nevduus Balance. Otherwise, you will receive a billing slatein it next month that includes Periodic Finance Charges imposed eegqsea unUt the date of repayment We coin le Periodic Finance Charpes_eich day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categorlesby usinga the foNowing equalan: Average Daily Bagrtce x number of days m the Dlllin period x Daily Periodic Rate. (Refer to the finance charge w oft lh front of ur slalemenl for these amounts) Then we add all the Peri?c Finance Charges for each transaction categyory to el the totariodicinana Charges for your t The ex Daily Balance is Mn shas 0 if no Periodic Finance Charges apply "lo the Obatance m a transaction ranee We use the two•r:ycle avers a dally balance tincludinpp new transactions) method d caloulaUng the balance upon which we impose Periodic Fina CM1arj) s This means if of did did pay the New BaWnce shown on the loin statement you received dung the previous Dilhng ?riod by Ne no e Payment a Date, we will impose Periodic finance Charges on new purchases at first appeared on that riDilhng statement as wet as new are the were subject to an so Included in the action category on cnarges winch are added to the casn advance transaction category and Balance lanster transaction Fee Finance unarges which are a balance transfer transaction category It a transaction made in a previous billing0 period is Itemized on this statement we consider the dale to be the first day of the current biking period when we calculate your Pero is Finance Charges For TOD (Telecommunications Device for the Deaf) assistance, please call 1-900-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD New Balance Minimum Payment Due $9,926.93 $289.00 Payment Due Date June 4, 2007 05 SIDSMA01 0003594 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card. You ors overlimit. Pay fhe sum of monthly minimum payment plus the ovedimit amount of $426.93. Will your Payment get to us on time? Pay your big online and your payment can be made to your account on the some day. Visit Discover.com/payments today. PO BOX 71084 1111111111111 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to Is 1111111111 11 11111111111111111 11111 1111011111 11111 receive important Account intimation and special offers. 000001986458271370625099269300000000028900 Discover More Card Account Summary Closing Date: May 5, 2007 page 1 of 1 Account number ending in 9362 ;Payment Due Date June 4, 2007 'Minimum Payment Due $289.00 Credit Limit $9,500.00 'Credit Available $0.00 .Cash Credit limit $4,800.00 'Cash Credit Available $0.00 Previous Baloncs $10,125.59 Payments And Credits 482.00 Purchases + 49.00 Cash Advances + 0.00 Bakme Transfers + 0.00 Financs Charges + 234.34 New Balance $9,926.93 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashbock Bar= Bokmce $ 12.03 New Cashbock Bonus Earned + 0.00 Cashback Bonus Balance $ 12.03 Cashback Bonus® Anniversary _.Available toRedeem- - - - - - - - - - - - $ - - - - - - -O.a101 . .. .Dale: Julys -Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashbook Bonus ,on Get More purchases in popular categories throughout the yew and up to 1% Cashback Bonus on all your other purchases. How Can We Help You? I . Visit Diseor eom to pay year ba fo=.== P latest Account information, cam and more 'It's your choice - 3 ways to help 2. Call 1-800 DISCOVER (3472683) far foss easy selfservice Please haws your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us or Discover Card, PO Box 30943, Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee use your Discover card with confidence. Trans. 00% Dab Payments and Credits Apr 10 Apr 10 PHONE PAYMENT -THANK YOU $ 304.00 Apr i 1 Apr 1 I OVERLIMIT FEE REFUND 39.00 --=.GO---- April April LATE CHARGE REFUND 39.00 :Other/MiseeOareeus Apr 10 Apr 10 PAY BY PHONE PROCESSING FEE- DBT 10,00 May 5 May 5 OVERLIMIT FEE 39.00 Finance Charge Summary Nominal ANNUAL D v l re Pa A R EN ?o Transaction P eriodic F AGE a y dic PE C TAGE en Bolan Rates RATES RATES MANCE IFINARM CHARM CHANGES current billing period: 30 days `Purchases $4844.28 0.07942% 28.99% V 28.99% $115.41 norm !Cash Advances $4991.67 0.07942% 28.99% V 28.99% $118.93 $0 :The rates that apply to your Account are either fixed (f') or they may vary M as rated 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. mo Lost or stolen cards. Report immediately'. Call 1-800-347-2683. U) Z M Billing Rights S In Case of Errors or Oueslions About Your Bill: It think your bill is wrongg, or if you ned more information about a o transaction on your bit, write us on a separate sheet of paper at Discover Lard; PO Box 30421, Sall Lake City, T84'1 30-0421, as soon as possible. We must hear from you no later than 6U days after we sent you the first bill on which the error or problem appeared. You can telephone us,%ut 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. w 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 Youbolo 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: 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 remaining amount due on the goats 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 wt cods 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. Send only your payment and the lop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from yYoour 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 o 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 Wy we receive your paymerat and you will not receive your check back from your financial institution. The processing of your payymment may be delayed 8 vou send cash, correspondence Of other items with yyoour pa nt, if send the payment to any other address or If you lose an eirvelope other than the one provided. Payments received on or ater 1 PFI Montla through Friday or on a weekend or bank holiday will beed to your Account as of the next business day. If you have. misplaced your, envelope, sendyo ur_payment to Discover-Bank , PO Box 6103, Carol Stream, IL 60197.6103: Please all& 7.10 days for delivery. If your payment is returned unpahdrovie reserve the nght to resubmit it as an eletdronic debit You can pay your minunum payment or a greater amount over the telephone, and You can set up automatic payments Call us at 1.1100.347.2683. You will need this statement.anC Your bank account information. You must ensure at sufficient funds are avan ble in put bank account and all transactions must campy with U. S. law. You will be asked to provide the first 5 digits of your account statement zhcode. By entering those numbers as your electronic signature, )u will be agreeing to this authorization to allow us and gVr bank to deduct each payment you authorize from r bank account and to initiate debit or credit entries to your bank account as applicable to correct an error In the processing of such pa nt You must tell us the amount of each payment or you an select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by a at 1-800-347.2683 or mail at address listed in the previous paragraph If your payments may vary in amount we will tell you on each morilhy statement when your payment will be made and haw much It will M Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. 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 m your credit report We normally report the status and payment h tory of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PU Box 15316. Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance Charaea. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the Oaffe the transaction occurs until the dale of repayment and on Old Balances until the date of repayment. Ole Balances are cemprhed of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment 01 Periodic Finance Charges on new purchases if you pay the New Balance shown on the b8ling statement on which the purchase first appears by the Payment Due Date, and the Payments and Crcdils on that statement equal or exceed your Previous Balance. We call this the "grace period". You do not have a grace ppeeriod on balance transfers w cash advances. Porlodic Finance Charges are imposed on new balance transfers and ash advances Dginningg with the dale lie Umsaction occurs. Periodic Finance Charges are imposed on alltransaclions and Old Balances unlit the date of repayment Repayment means pa moil of your entire New Balance. Ftowever d you pay the New Balanes shown on this billing statement by the Payment Due pate, and the Payments antl Credits shown on this statement euual or exceed the Prevleus Bapnu. we wUl not impose Periodic Finance Charges en new eurebases mat Is mnr•msee n."i xneiwise, you win receive a billing statement next and Old Balances (which we refer to as transaction period it Daily Periodic Rate. (Refer to the finance Finance Charges for each transaction category to as 0 it no Periodic Finance Charges apply to the the balance upon which we eceived durng the previous d on that billing statement es on the purchases on vow an the on Charges which are added to the case advance lrmse-cfwn category one BiI ie'Translm Traniaction Fee Finance Ctiarpeswitikh'are ai balance transfer transaction category. N a transaction made in a previous pilling period is itemized on this statement, we consider the date to be the first day of the currenT billing period when we calculate your Perioaie Finance Charges. For TOD (Teleeommu nicatlons Device for the Deaf) assistance, please call 1-900-347.7449. The Discover* Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due DISCOVER $9,923.11 $298.00 CARD Payment Due Date July 4, 2007 05 SDSN6A010003595 MCLAIN, ROV C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below 11 Please make check yable to Discover Card. You are overlimit. ay the sum of the monthly T+mtmum payment plus the ovedimit amount of 5423.11. Win your payment get to us on time? Pay your bin online and your payment can be made to your account on the some day. Visit Discover.com/payments today. PO BOX 71084 111111111 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Inl?llulurl?llu?lnl?luilillr,rlul„lullnlululrh?ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986456271370625099231100000000029800 Discover More Card Account Summary Closing Date: June 5, 2007 page I of I Account number ending in 9362 Previous Balance $9,926.93 Payment Due Dote July 4, 2007 Payments And Credits 289.00 Minimum Payment Due $298.00 Purchases + 39.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finance Charges + 246.18 Cash Credit Available $0.00 New Balance $9,923.11 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Ban's Balance $ 12.03 New Cashback Bonus Earned + 0.00 Cashba& Bonus Balance $ 12.03 CashbockBonus®.Anniversarf-------------- able to Redeem $ ---------------------- -- -----_.0.00----.. . ------- . Avail - Date: July 5 Cashbock Bonus(R) is America's #1 Cash Rewards ProgramI Full 5% Cashbock. Bonus on Get More purchases in Popular c h h h d k t roug out t e year an up to I% s Bonus on all your other purchases. How Can We Help You? P I • Visit Dreasver com to pay yew b1 for no cost, view y urdooand latest Account information, earn and redeem rewar mare It's your choice - 3 ways to help 2. Can 1.800-D13COVER (347-2683) for fast, easy self-service 'Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Sok Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trays. Post Date Dab Payments and Credits Jun 1 Jun 1 PHONE PAYMENT - THANK YOU $ -289,00 i Odrer/hUsce1aneous Jun 5 Jun 5 OVERUM1T FEE 39.00 ------------------------- ------------ ----------- Finance Charge Summary i - Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNANCE FNANCE Baldnc?s Rants RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4885.39 0.07942% 28.99% V 28.99% $120.27 none i Cash Advances $5114.02 0.07942% 28.99% V 28.99% $125.91 $0 i The rates that apply to your Account are either fixed (F) or they may vary M as noted above New Balance Minimum Payment Due DISCOVER $10,240.27 $553.00 CARD Payment Due Date August 4, 2007 05 SDSN6A01 0003596 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Cqrd. You are ovedimit. Pa' the sum of the monthly minimum payment plus the overlimit amount of $7Ao.27. wig your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. rilurlluulrlsrlelri PO BOX 71084 11111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?nlrllulurlrllutlnlr1ur111lur)nIu)ullnlalnlnlull above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625102402700000000055300 ---------- ---------- Discover More Card Account Summary Closing Date; July 5, 2007 page 1 of 2 ;Account number ending in 9362 Previous Balance $9,923.11 ;Payment Due Date August 4, 2007 Payments And Credits 0.00 `Minimum Payment Due $553.00 Purchases + 78.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Frwnce Charges + 239.16 `Cash Credit Available $0.00 New Balance = $10,240.27 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashbook Bonus Balance $ 12.03 New Coshback Bonus Earned + 0.00 :CashbackBonus®Anniversary _.--------- ----- Cashback Bonus Balance $ 12.03 AtrQflcfbleboRts4M-- ------------ $------ 0,00 Date: July 5 How Can We Help You? 1. Visa Dacovercem to pay yaw bie for no tour view your latest Account informahon, earn and redeem rewa and more It's your choice - 3 ways to help 'Please have Discover Card avaikrble. your ;.For TDD (assistance for hearing Impaired) see reverse stds 2. Cal 1-800-DISCOVER (347-2683) for fast, easy sellLserrice options or to speak with a Customer Service Account Manager 3. Writs us at Discover Card, PO Box 30943, So# Lake City, OJT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. I Tram Post Date Date 0*wtMisceganeous Jut 5 Jul 5 OVERUMIT FEE $ 39.00 Jul 5 Jul 5 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment rwas late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on ,purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of -jpurchazerardbataneetrcmsiers. Hawsver weTSServetheYghRttiiricreaselltbAPR3?r trrAWdU-rrt'YgWfailt6(wyltie - minimum payment due by the payment due date. Seethe DefaultRate Plan section of the Cordmember Agreement for details. * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Soon we'll no longer be printing your full account number on your statement. B's just another way to keep your information :sole. But of course, if for any reason you need your tuff account number, it'l still be right there on your card. 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 Grdmember Agreement contains all the terms of your Account co 0 Lost Or stolen cards. Report immediately! Call 1400-317-2883. Zz m BWkdg Rights 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 loft, wine us on a se rate sheet of paper at Discover Card; PO Box 30421. Salt Lake City, UT 84130.0421, 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,'bul g doing so will not preserve your fights. In your letter, give us the following information: o Your name and Account number. 'The dollar amount of the suspected error. •Desscrribe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure V You 8d 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 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 pay the remaining amount due on the s or services You have this protection only when the purchase price was, more than 550 and the purchase was made in your home state or wd hrn 100 miles of your mailing address. (If we own w operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you allthorae us to use information on your check to make an electronic fund transfer from pr account at the financial institution indicated an your check or to process the payment as a check transaction. If pa menl 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 mike an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your pa nt and you will not receive your check back from your financial institution. The processingadtlreis W your payment may be delagil d you send cast, correspondence or other items with yyoour paymefit if ou send the payment to any other or if you use an envelope other than the one provided Payments received on or after 1 PIR MontlayYlnrough Friday or on a weekend or bank Aogda? will be boded to your Account as of the next business day. if you have, misplaced your envelope, _send Yo ur-payment to Discover Bank, PO Box 5 03, Can Stream. IC 60197-6103: Please allow 7=10 days for delivery. If your payment i returned unpai d, we reserve the right to resubmit it as an electronic de bit YoYOd?can wy f minimum payment or a greater amount over the telephone, and you can set up automatic payments. Gg us at 1.900-347-2683. l statement anC your bank account information. You must ensure iDat 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 entenng those numbers as your eiecUOniC sgnatuie, you will be agreeing to this author ization to allow us and your bank to tleducl each paymanl you au0onze from your bank account and to iniliafe debit or credit entitles to your bank account as appleable to correct an error in Ne processing of Such payment You must tell us the amount of each payment or you can select an amount such as the Minimum Payment We or the New Balance on each statement You can canttl a WYnKnt however we mull ve notice at le ast three business days in advance of the scheduled payment You may ndify us by phone al 1-800.347-3fia3 or by mail at address l rece isted m the prevous pareppraph. It your payments may vary in amount we will tell on each monthly statement when your payment will be -'M and how much it will be. Your Automatic psymanl amount may be less than icaled on Ne monthly statement based on credits or payments alied during the billing cycl e. . Credit ReporOW We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Accoun[ to credit reporting agencies each month. If yyopl?ii betlv?e that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PO Box 15316, Wilmington "DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, we wig impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dative the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or poor to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing, statement on which the Purchase first appears by the Payment Due Date, and the Payments and Credits on that statement apual or exceed your evious Balance. We call this R! the ce?ler?rod c.: ou do not have aQrace pored on baance transfers or cash advances. Periodic Finance Charges are imposed on new Ais "ma or _ es are imposed on an transactions an arexce yd the New re 'iiooussnBalance we Paiance in a transaction category. - We use the tvro-cycle average di Finance Charges This means If llou dic the Payment -Due Date, we wig impose purchases that first appear on this Wain statement We compute the average transaction cafe and dividin g the to on each day by irs ad" the Totlowini Charges accrued on the previous day's day'si transaction ptegory on ?t a Ihe ca have been o on the billin Old Balances are exclude from the b; Transfer Transaction Fee Finance Chargi initial fat rate that has been term categos r?cht l the initial special rate oth that become purchase rate balance tram All fees charged to your Account are Charges which are added to the cash a, balance transfer transaction calegol. I date to be the first day of the current' Gil statement equal or exceeu your rievxius 9awi a. Otherwise, you will receive a billing slalemeia next 05 imposed until the date or repayment Avert for lHpi roBa ante x snumd D?ercol'daala'n fife transfers and 171tl Balances (which we refer to as transaction 9e ly yin g period x Daily Periodic Rate. (Refer, to the finance nent for these amounts.) Then we add all the Periodic Finance Charges for each transaclon category to your Account The Average Daily Balance is shown as 0 it no Periodic Finance Charges apply -lo -the balance (including9 new transactions) method of calculating the balance upon which we impose Periodic l ply the New Bahnce shown on the billing statement you received during the previous billing period by iodic Fdmntt Charges on new purcMSes Thal first appeared on that Dilfing statement as well as new alement unless we already.imposed Periodic Finance Charges on the Purchases on your Previous billin or r7TM to an in the rrv on we calculate your fee finance cnarges which are a on this statement we consider the For TOO (Teleco mmudcatiom Device for the Deaf) assistance, please can 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC DISC.VER? MCIAIN, ROY C DISCOVER < , Account number ending in 9362 CARD &ghlar Discover* Card ranked I in Customer Loyalty-for it years in a rows "I've new been so impressed with a company that has looked out For my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." times T. Oem6nd, Ohio Experience it for yourself at Discover.com *Accadkg b Ate 2008 &and Keys cw., . to * 6gog..v kdac Rapod 02008 D1wow Bank, m-6. fWC Finance Charge Summary Nominal Transaction Average P rtdic PERCENTAGE PER ENTAGE PENANCE FINANCE Sabn<es Rafts RATES RATES CHARGES current billing period: 30 days 'Purchase3 $4798.88 0.07942% 28.99% V 28.99% $114.33 none Cash Advances $5239.35 0.07942% 28.99% V 28.99% $124.83 $0 The rates that apply to your Account are either fixed (F) or they may vary IV) as noted above. Questions? Manage your account at Discovorcom or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER 510,573.4) saz4oo CARD Payment Due Date September 4, 2007 05 SDSWA01 0003597 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Cord. You are overlimit. Pay the sum of the mortfily minimum payment plus the overlimit amount of $1,073A . Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Discover.com/payments today. PO BOX 71084 lllirrllrsrilsrsslslrrlrls CHARLOTTE HC 28272-1084 Address, "ail or telephone change? Print change in space 1ulrl1rrInJilinJrslr?ur?l?ius?rdtells 11ultill rlrjrs11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625105734100000000082400 Discover More Card Account Summary Closins Dale: August 5, 2007 page 1 of 2 Account number ending in 9362 !Payment Due Date September 4, 2007 'Minimum Payment Due $824.00 Credit Limit $9,500.00 Credit Available $0.00 ,Cash credit Limit $4,800.00 Cash Credit Available $0.00 Previous Balance $10,240.27 Payments And Credits 0.00 Purchases + 78.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 255.14 New Balance . $10,573.41 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus! Opening Cashback Bonus Bala nce $ 12.03 New Cashbock Bonus Earned + 0.00 Cashba& Bonus Balance $ 12.03 . Gashbaak Bonus®Anniversary - - - - _ ....Ars> doble to Redeem -0.00 ,Date: July 5 1. Visit Discover cm to pay your oil for rso cost , viewyour ,How Can We Help You? . kited Account information, cam and redeem rewards aocl mare it's your choice - 3 ways to help 2. Call 1-8004)tSCOVER (347-2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager ,Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sok Lake City, UT 84i 30 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Data Dab Othsr/Misceas»ovs Aug 5 Aug 5 OVERUMIT FEE $ 39.00 Aug 5 Aug 5 LATE FEE 39.00 Information For You While we are permitted under the Cordmember Agreement to increase the APRs on your Account because your payment twos late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rale on purchases and any special balance transfer rate, and applied the standard APR for purchases to yaw outstanding balance of -:purctta?sandlwksttrgtrartsfets. HaViev9T?Fitir63ervelftBrt?AiGilcrea3ethi74Yfts8njiiii'rYCtcoWiri bb fail top6fthe------ '.minimum poymsrd due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. • ATTENTION " We previously requested the past due amount on your account. We have no record of receiving paymert. The amount due should be paid at once. Discover Financial Services is proud to support the Juvenile Diabetes Research Foundations Walk to Cure Diabetes. 'Consider donating your Cashbock Bonus(P) to JDRF and you can help fund research to find a cure. To further your donation, •Discovwj!Z) Card will add an additional 20%. Visit Discovercard.com 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 Cardrnerrlber Agreement. Your Cardmember Agreement contains all the terms of your Account. rn 0 Lost or stolen cards. Report immediately! Call 1-600-347-2663. Z BIINng RWits 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 Serate sheet of paper at Discover Card; PO Box 30421, Sall La a City, T 64130-0421, as soon as possible. We must hear'rom you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us,'bul o doing so will not preserve your rights. In your letter, give us the following information: u 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 Youddo 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 any action to collect the amount you question. Special Rule for Credit Cord Purchases: If Yyoou have a problem with the quality of goods or services that you purchased with a credit card, and you have bred in good faith to correct the problem with the merchant 4ou ma, not have to pay the remaining amount due on the godds of services You nave this protection only when the purchase price was more han $ 5Y0 and the purchase was made in your home state or wo hon 100 miles of your mailing address. (II we own or operate 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. 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 pausebent as a check transaction. If pa ment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we 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 pa nt and you will not receive your check back from your financial institution. The processing of your payment may De delayed 7 you send cash, correspondence or other items with your payment if you send the payment to any other address or if you use an e6veiope other than the one provided. Payments received on or after 1 PNI Monde) through Friday or on a weekend or bank holidayY will be ed to your Account as of the next business day. If you have, misplaced your envebpe,_senc your_payment to Discover Bank, PO Boz 4703, Carol Stream, IL 60197.6103: Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the Ituto resubmit it as an electronic debit can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1-800.347-2663. You will need is statement anE 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 each payment you authorize fr om r bank account and to initiate debit or credit entries to your bank account as applicable to correct an error in the processing of such f r nt you must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least three business 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. If your paaticnts may vary in amount we will tell you on each monthly statement when your payment will be made and how much it will be. Your Autom payment amount may be less than ndicaled on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed pa ments, or other defaults on your account may be reflected in your credit report We normally I the status and payment history of your Account to credit reporting agencies each month. If Wyp0? belkve that our report is inaccurate or iruwm ele, please write us at the following address Discover Classic Card, PU Box 15316, Wilmington DE 198 0.5316. Please include your name, address, home telephone number and Account number. Perbdk Finance Ch s. Except as provided below, we will i: Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the d the transaction occurs until the dale of repayment and on Old Balances until the date of repayment Old Balances are comprised or either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the "price 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 beamnino with the date the transaction nrcurz on this statement equal or exceed the Previous Balance we appearing on this statement_ If your Account was closed as we in t late we you are the i we refer to as transaction late. (Refer to the finance och transaction category, to nice Charges apply to the which we impose Periodic staattement. asNwelI asonew n a wnsacdion mane m a previous Doan pCflod IS Itemized on tlate to De the first day of the Curren Dilfing period when we calculate your Pen is Finance Charges. For TDD (TelecomraunlLatbm Device for the Deaf) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER' MCIAIN, ROY C DISCOVER ^ Account number ending in 9362 CARD Discover' Card ranked '1 in Customer Loyalty-far 11 years in a rowr "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspWKma. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T.-Cleveland, Ohio Experience it for yourself at Discovercom *Acwr&oo to 16 2008 &ond Key, Cvomw lady Gvagsnan inda, Raps, 02008 Mcv Bank, Manbr fDIC ----------- -------------- - Closing Dale: August 5, 2007 page 2 01 2 Finance Charge Summary e P en Nominal S ANNU T Transaction P f Dam e AGE p?I AGE E Rates RATES RATES CHARM current bilting period: 31 days Purchases $499544 0.07942% 28.99% V 28.99% $122.98 none Cash Advances $5367.77 0.07942% 28.99% V 28.99% $132.16 $0 The raise that apply to your Account are either fixed )F) or Ihey may vary (Y) as noted above. Questions? Manage your account at Disawer.com or call 1-8004DISCOVER (1-800-347-2683). New Balance DISCOVER $9,995.70 CARD 05 SDSN6A010003598 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Minimum Payment Due Account Number ending in 9362 5300.00 Enter Amount Enclosed Below Payment Due Dote $ r October 4, 2007 Please make check payabk to Discover Card. You are owriimit, ay the sum of the man#* minimum payment plus the ovedimit amount of $495.70. Will your payment get to us on time? Pay ill l your b on ine and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 11111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )ar)rOrr)nr)a)(ur(u)r)ur(()(nr)n(n)n{)u)n(u)a)uO above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625099957000553000030000 ------------ Discover More Card Account Summary Closing Dole: September 5, 2007 ;Account number ending in 9362 ';Payment Due Date October 4, 2007 Minimum Payment Due $300.00 `Credit Limit $9,500.00 Credit Available $0.00 Cash Credit limit $4,800.00 :Cash Credit Available $0.00 Previous Balance Payments And Credits page 1 of 1 $10,573.41 871.00 Purchases + 39.00 Cash Advances + 0.00 Balance Transfers + 0.00 ftinwtos Charges + 254.29 New Baksnce $9,995.70 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Coshbock Bonus Balance $ 12.03 New Cashback Bonus Earned + 0.00 Cashback Bonus Balance S 12.03 Cashback Bonuza3< Anniversary - - - - - - - - - - AY014ble to R64"M - - - - - - -- $ - - - - - 0.00 .Date: July5 ;Cashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashbock Bonus on Get More purchases in popular cotes rez .throughout the year and up to 1 % Cashbaa k Bonus on all your other purchases. How Can We Help You? P 1. Visit a.aawraem to M your bill f'or ne rest, viewyo lost Account information, earn and redewrr revvcrds a r more It's your Choke - 3 ways to help 2. Coll 14MDISCOVER (347-2683) for fast, oozy self-service Please haw your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Sob lake City, UT 84130 Transactions $0 Fraud Liability Guarantee use your Discover Card with confidence. Trans. Post Dale Dots Payments and Credits Aug 8 Aug 8 PHONE PAYMENT - THANK YOU $ .318.00 Sep 2 Sep 2 PAYMENT -THANK YOU 553.00 Miscellansous------ ep5--- Sep-5--OVER1lMITFEE--- i :Finance Charge Summary C: I Y Nominal ANNUAL ANNUAL Transaction Dai P ? ' d is PER FF*&AANCE t1PUNCE l got" K CHARGES CHARGES current billing period: 31 days Purchases $4826.57 0.07942% 28.99% V 28.99% $118.84 noire Cash Advances $5501.51 0.07942% 28.99% V 28.99% $135.45 $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. in 0 Lost or stolen cards. Report immediately) Call 1400-347-2663, rn z m Billing Rights Sum" In Case of Errors or Ouestions About Your Bill: If you think your bill is wrong, or if you need more information about a o transaction on Your bit write us on a separate sheet of paper at Discover Ca N; PO Box 30421, Salt Lafce City. UT 84130-0421, as soon as poss101e. We must hear from you no later than 6U days after we sent you the first big on which the error or problem appeared. You can telephone us,%ut g 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 aDoapt yo you are unsure V You 0a 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 ake any action to collect the amount you question. Special Ride 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 pay the remaining amount due on the ggoods or services You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 mites of your mailing address. (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless d the amount or location of purchase.) 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 men) 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 pa lit, and you *11 not receive your check, back from your linaocial institution. The processing of your payment ma be delayed A you send cash, correspondence or other items with your 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 after 1 PFA MbndaY Ihrough Friday or an a weekend or bank holidayy will be posted to your Account as of the next business day. If you have, misplaced your errvebpe,_send r-payment to Discover Bank, r'U 8ox b103, Card Stream, IL 60197-6103.- Please alidw 7-10 days for delivery. It your payment is returned unpand, we reserve the light to resubmit it as an electronic debit You can pa r minimum Pa nt or a greater amount over the telephone, and you can set up automatic payments. 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 campy 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 each payment you authorize from Your Dink zccounl, and to initia debit or credit entries to your bank account, as applicabkl .o. correct an error in the_processing _ of such eacn Statement. You can cancel a paYIIIEnI. however we must receive notice at leas( three business 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 paraiggrph. If your payments may vary in amount we will tell you on each monthly statement when your payment will be made and how much it will be Your Automatic payment amount may be less than Yntlicatetl on the monthly statement based on credits or payments applied during the billing cycle. Credit Reportkg. We may report information about your account to credit bureaus Late payments, missed pa ments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the foleowm99 address Discover Classic Card, PU Box 15316. Wilmington DE 19850-5316. Please include your name, address, home telephone number and AccouTtt number. Periodic Finance Charges. Except as provided below, we will im a Perxxdic Finance CDarppes on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the dale ofprepayment and on Old Balances until the date of repoymenl Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement aGUal or exceed your Previous Balance. We call this the "grace period". You do not have a grace period on balance transfers or cash advances. Penodic Finance Charges are imposed on new balance transfers and cash advances becunnina with the date the transaction occurs new wrance. nowever a you pay the new aaia a snown on this billing statement by Ftlrc on this statement equal or exceed the Previous lance we will not impose Periodic ln appealing on this stalement_ N Your Account was closed as of: (i) September 27.1999: or n- r Mct.yun6 car avgy payment rN reroyrc Chance tnarges n_ynv pay tee f+,-w_Aela cg shown on this statement by the Paymel!t Due d die Pa n s and Credits on this statement equal or exceed yuw neviuus Bal:ucc. Ol erwise, you will receive a billing statement next tat includes Periodic Finance Charges imposed until the date of repayment m rte Periodic Finance Charges, each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction .sby using the following equation: Average Ditty Balance x number of days in the bilk (Refer to the finance ummary on the front of your statement for these amounts) Then we add all the Pori odc Finance Charges for each transaction category to total Periodk Finance Charges for your Account The Average Daily Balance is shown as 0 it no Periodic Finance Charges appylo-the in a transaction category. se the two-cycle average daily balance (includingy new transactions) method of calculating the balance upon which we impose Periodic Char This means If You did not the New Bafanee shown on the billingg statement you received durm the previous billing period by nenlgges ?ue Date, we wB{ (mpose Period Finance Charges on new purchases that first appeared on that bung statement as well as new are applied against the ba the previous day's daily to an in the )rv on ,? tacle e ^transf"n?sF .,..emu, to me c.ai --c uanaactron category any oarance iransier transaction tee tlnance charges which are a balaner transaction cat If a transaction made in a previous billing period Is itemized on this statement, we consider the data to be the first day of the curren billing period when we calculate your Pero Oic Finance Charges. For TOD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $10,314.62 $556.00 Enter Amount Enclosed Below CARD Payment Due Date $ November 4, 2007 Please make check payable to Discover Card. h hl A f t e mont y re sum o You are overlimit. ay minimum payment plus the overlimif amount of 5814.62. 05 SDSNraA01 0003599 MCLAIN, ROY C ou payment get to us on time?Pay our bNl online anndd your payment can be 5252 E TRINDLE RD y y made to your account on the some day. Visit MECHANICSBURG FA 17050-3526 Disoover.eorn/payments today. PO BOX 71084 ,{Intl{sallurslrlulr?rl CHARLOTTE.NC 28272-1084 Address, e-mail or telephone change? Print change in space (nlrllnlnnlr!!rnlnlelernllllurlerlulullnlnnlnlnlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625103146200000000055600 i Discover More Card Account Summary Closing Date: October 5, 2007 page 1 of 2 i Account number ending in 9362 Previous Balance $9,995.70 Payment Due Date November 4, 2007 Payments And Credits 0.00 Minimum Payment Due $556.00 Purchases + 78.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 i Cash Credit Limit $4,800.00 Finance Chw9es + 240.92 Cash Credit Available $0.00 New Balance $10,314.62 You may be able to avoid Periodic Finance Charges, sins the reverse side for details. CaShback BanuS® Opening Cashbock Boma Balance $ 12.03 Now Coshback Bonus Earned + 0.00 Cashback Bonus Bolancs 3 12.03 Gashback-Bonus® Anniversa $ -0.00 i Date: July 5 ;How Can We Help You? I . Visit Disceverrcorn to pay your big for no cost view yn latest Account information, earn and redeem rewards ami mom It's your choice - 3 ways to help 2. Call 1-8004XSCOVER (347-2683) For fast, easy selFservice M anager options or to speak with a Customer Service Account Please have Discover Card available. your 3. Write us at Discover Card, PO Box 30943, For TDD (assidance for hooting impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tnms. Post Date Data 0ther/14"ansous Od 5 Oct 5 OVERUMIT FEE $ 39.00 Oct 5 Oct 5 LATE FEE 39.00 Information For You While we am permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rote an purchases and any special balance transfer rate, and applied the standard APR for purchases to yaw outstanding balance of pvrchaw-ad-bolariee-transfers.-iiewever,wwrosave *-righrtoyticroam-th+e-APRsan)twrAxcounrifyoufattoMthe minimum payment due by the payment due date. See the Defouh Rate Plan section of the Cordmember Agreement for details. • +• ATTENTION '"• Your account is past due. Please pay the past due amount now, or contact us to mace other arrangements. Wish you could sort these purchases by amount, description or category? You can - register at Discrnnrcard.com to view your purchases online as far back as 12 months. learn more cot Discovercard.com/purchases 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 Cafdmember Agreement contains all the terms of your Account. m v Lost or stiskn cards. Report immediately! Call 1400-347-2683. Zz m BIUng Rots Summary. In Case of Errors or Ouestions About Your Bill: If you think your bill Is wrong, or if you need more information about a o transaction on your bit, write us on a separate sheet of paper at Discover Card; PO Box 30421, Sall La Ka City, UT 84130.0421, as soon as possible. We must hear from you no later than 6D days after we sent you the first bill on which the error or problem appeared. You can telephone us,'but g doing so will not preserve your rights In your letter, give us the following information: o Your name and Account number. 'The dollar amount of the suspected error. •Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure YouoNo not have to pay any amount in auesbon 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 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 pay the remaining amount due on the ggoods or services You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. (U we own or operatt the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 YYoouur account at the financial institution indicated on your check or to process the payment as a check transaction. If pal menl is Grocessed as an electronic fund transit(, the transfer will be for the amount of the check. When we use information from your check to mae an electronic fund transfer, funds may be withdrawn from your account ac 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 d you send cash, correspondence or other items with your payment, if u send the payment to any other address or if you use an edwbpe Other than the one provided. Payments received on or after i PNI MorWarili ough 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 yocr. payment to Discover Bahk, ?0 Box 6103, Carol Stream, IL 60197-6103: Please WOW 7'10 days for delivery. If your payment is returned impaxf, we reserve the It u resubmit it as an ekctronic debit You can yyoour minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1.800-347-2683. You will nepay ed this slakm sit. and your bank account information. You must ensure at suNicienl funds are available in your bank account, and all transactions must comply with U.S. kw. You will be asked to provide the find 5 digits of your account statement zip code. By enteringg those numbers as your electronic signature, you will be agreeing te it authorization to allow us and your bank to deduct each aymenl you auUhorize the ppOcabk to correct an error in Pne processing of such from ;I- nk t and te iniUafe debit or credit entree to your bank account, as a paymYou must kB us amount of h payment or can 'File ct an amount such as the Minimum Payment Due or the New Balance on eacA tement You can candel a payment howaver we must receive notice at least three business days in advance o/ the scheduled payment You may V s by phone at 1-800-347.3683 or by mail at address listed m the previous parsppraph If your payments may vary in amount we will tell you on eacA monthly statement when your payment wilt be made and how much it will be, your Automatic payment amount may De less loan ndrealed on the mouthy statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed parents, or other defaults on your account may be reflected in your credit report, We normally re the status and payment history of your Accouncredit reporting encies each month. U you bel'?ve that our report is inaccurate or incom ete, please write us at the following address Discover Classic Card, I&? Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic FMance Chvpes Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Ba'ances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the VNifchase first appears Dy the Payment Due Date, and the Payments and Credits on that statement epual or exceed your revious Balance. We call s therace period'. You do?not -aye a..gape period on balance lnmfers Dr cash advances. Periodic Finance Charges are imposed on new A la ww" 1 fee now .. . do ..? -- -- E s .? on you new 0 to as transaction at to the finance •tion category to as apply to the as well as t.narges,acerueo on the previous day's aai% balance; and Cry Nen-subtracting any credits and payments that are applied against the balance of the transaction ca on t?iat da .. In caku Ling the daily balance for the previous billing period. we consider the previous days daily balance" to have been 0 on Ufa first day p(the billing pedoa ad Balances are exclude0 from the balance of the purchase and cash advance transaction categories Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily balance transfer transaction category. alance transfers that were sub act to an initial special rate that has been terminated due to a late payment or because you exceeded your Account credit limit are also Inclu0ed in the cal. until the initial special rate otherwise would have expired. In calculating the daily balance of the balance transfer transaction category on the it day of the billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers On that day and we add that unpaid balance to the balance of the purchase transaction tale ory. All fees charged to your Account are added to the burchose transaction category with the exception of Cash Advance Transaction lace Finance Charges which are added to the cash advance transac' category and Balance Transfer Transaction Fee Finance Charges which are added to the Cah totransfer DE the firsta?a the cur?reorl bIf a transaction made in a previous piling pedod is itemised on this statement we consider the transaction y l ling period when we calculate your PPerio i d Finance Charges For TOO (Telecommunketlem Device for the Deaf) asstitance, please call 1-800-547-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER" MCLAIN, ROY C DISCOVER I?" Account number ending in 9362 CARD Discover* Card ranked *1 in Customer Loyalty-for 11 years in a row!* -1've never been so impressed wish a company that has looked out for my wall being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life.' Domes L-Cleveland, 01+io Experience it for yourself at Disaavercom *A..,t q a rfa 2008 &ad Keys Cuo-wr Lyoky &gagxnaa Wu Repot ®2008 D'irww sank, manlier fmc Closing Date: October 5, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction ANNUM t P ANNUM Periodic Fee odic PERaWAGE Daily x PERCENTAGE PMANCE FMJIINCE Rates RATES RATES CHARGES current billing period: 30 days Purchases $4475.33 0.07942% 28.99% V 28.99% $106.63 none Cash Advances $5636.34 0.07942% 28.99% V 28.99% $134.29 $0 The rates that apply to your Account are either fixed (f) or they may vary M as noted above. Questions? Manage your account at Diseaver.com or cafl 1-800-DISCOVER (1-800347-2683). DISCOVER CARD New Balance Minimum Payment Due $10,200.42 $369.00 PoymeM Due Gate December 4, 2007 05 SDSMA01 0003WO MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ 1 Please make check ble to Discover Card. You are overlimit. a?y tahe sum of the monthly minlmum payment plus the overlimit amount of $700.42. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Discover.com/payments today. PO BOX 71084 111111111111191111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625102004200000000036900 Discover More Card Account Summary Closing Date: November 5, 2007 page 1 of 2 Account number ending in 9362 Payment Due Date December 4, 2007 Minimum Payment Due $369.00 Credit Limit $9,500.00 Credit Available $0.00 Cash Credit Limit $4,800.00 Cash Credit Available $0.00 Previous Manes $10,314.62 Payments And Credits 450.00 Purchases + 88.00 Cash Advances + 0.00 Balance Transfers. + 0.00 Finance Charges + 247.80 New Balance = $10,200.42 You may be able to avoid Periodic Finance Charges, no the reverse side for details. `Cashback BOnus® Opening Cash6ack Bonus Balance $ 12.03 New Cashbock Bonus Earned + 0.00 Cashbadc Bonus Balance $ 12.03 CashbockBanuAAnnivemary- . ------------------. Available to Redeem--------- $ 0.00 -------------...._..-._.._ I Date: July 5 pay yew bill for no too, view r How Can We Help You? . 1.lcft Account in to you P lake- Aecou information, gam and redeem rewards and mare It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fmt, easy selfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impairedl see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Uability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and credits Oct i l Oct 11 PHONE PAYMENT- THANK YOU $ 450.00 t Olhsr/Mi"llaneous Oct 11 Oct 11 PAY BY PHONE PROCESSING FEE - DBT 10.00 Nov 5 Nov 5 OVERLIMIT FEE 39.00 Nov 5 Nov 5 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment `was We, rve$dve ck6seii ni wckj so a -vhis timi.- We Tiuve Wiernafed,-tidW"r, aryTrlroTuclory or piom6 vale on - - - purchases and any special balance transfer rate, and applied the standard APR For purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cordmember AgreemeM For details. * * * 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 important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. rn 0 Lost or stolen cards. Re Z port immediately! Call 1-800-317-2663. Z Billing Rights Summary. In Case of Errors or Questions About Your Bill: If You think your Dill is wrong, or it Yyoou neetl more information about a o transaction on your Dill, write us on a separate sheet of paper at Discover Card; PO Box 30421, Salt La a Cily, Ui 84130-0421, 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,lbut o doing so will not preserve your rights. In your letter, give us the following Information: o •YOUr name and Account number. 'The dollar amount of the suspected error. 'Describe the error and explain, 8 you can, why you believe there is an error. if you need more information, describe the item you are unsure a t not have to pay any amount in tuestfon while we are invesli9olio9, but you are still obligated to pay the parts of V You u i?o your bill that are not in question. While we investigate your ques ion, 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 may not have to pay the remaining amount due on the goods or services You have this protection only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailingp address. (d 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. Send only your payment and the lop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from lrour account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ent is processed as an a ctmnic 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 receive your check back from your financial institution. The processing of your payment may be delayed g send cash, correspondence or other items with Your payment, if u send the payment to . you any other address or if you use an a velope other than the one provided. Payments received on or after 1 PM through Friday or on a weekenof or bank holiday will be posted to your Account as of the next business day. If you nave, misplaced your enveWpo;,_send your_paymenl to Discover Bank, PO Box 6703, Carol Stream, R. 60197.6103: 'Please allow 7=10 days for delivery. if your payment is returned unpai .vie reserve the r1t to resubmit it as an electronic debit You can pay your minimum pa ent Or a greater amount over the telephone, and you can set up automatic pailabenls Call us at 1.800.347.2683. You will need thh statement h your bank account information. You must ensure that sufficient funds are avale hi 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 zi code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to India debit or credit entries to your bank account as applicable to correct an error M NI prrx:essing of such payment You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can pant a ment, however we must receive notice at least three business days in advance of the scheduled payment You may noUfy us by phone at 1.800-347-Wy3683 or by .4 at address listed in the previous parsg If your paymments may vary in amount ?we will tell you on each monthly statement when your payment will be made and how much it will be. Your A Rom tic payment amount may less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies eamonth. If you believe that Pleaseliinaccurate or incomplete, please write us at the following address: Discover Classic Card, Pl7 Box 15316, Wilmington your name, address, home telephone number and Account number. Periodic Firmest Chartists. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Ba antes until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billingg statement on which the urchase first appear by the Payment Due late, antl the Payments and CrediU on loaf statement casual or exceed your previous Balance. We call his the "grace period". You do nil have a grape period on balance transfers or cash advancer Periodic Finance Charges are imposed on new balance lr3nsters and rash advances DegMi i. wdn the date the tnnsactfon occurs. Periodic Finance Charges are unposed on alt transactions and Old Balances until the dale ol repayment Repayment means pa ment of your entire New Balance. However a you psv Uie New Galan a shown on Nis Dflling slalement by (he Payment Due Dale, and the Payymenli and Credits shown on this stalerrxnt eq.1 or, ezce6d the Previous Balanox we will not impose Periodic Finance Char on newndpurchases that is?purchases first appearing of this sytis nt If your Account was closed as of (i) Seplemiter 27.1999 or lilt Auouslg3 2001 a was formerly a sceveraD Prime the have Old f exceeu your nevxus eaiiii,ed. utneiwise, you will receive a billing statement next date of repayment s, cash advances, balance transfers and Old Balances (which we refer to as transaction ice x number of days in the bilkng period x Daily Periodic Rate. (Refer to the finance rnlt) Then we add all the Per'. is Finance Charges for each transaction category to e Average Daily Balance is shown as 0 9 no Periodic Finance Charges apply to the new transactions) method of calculating the balance upon which we impose Periodic roar uecome rcnasr. races wwnce transfers on in I asY Ina we dad that unpaid balance to the balance of t All lees ch rged to =f Account are added to the purchase transaction category with the exception of Charges which are addetl to the cash advance transaction category and Balance-Transfer Transaction Fee F balance transfer transaction caleaory If a transaction made in a previous billing poriotl is itemized on this date to be the first day of the curren Dflling period when we calculate your Periodic Finance Charges. For TDD (Teleoemmunicatlero Device for the Deal) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER MCLAIN, ROY C DISCOVER c_ W96r Account number ending in 9362 CARD Discover' Card ranked #1 in Customer loyalty--for 11 years in a row!` "I've never been so impressed with a company that has looked out for my well-being with timely reminders, poperless stolements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've gat a customer in me for life.' James T.-Cleveland, Ohio Experience it for younelf at Discover-cons xAo w&q to des 2008 &and Key. C.0-w Lvra6y Engc d k.6 sl pat 02008 Dix- Bmk. M-6e FDIC dosing Dote. November 5, 2007 page 2 of 2 `Finance Charge Summary Nominal Transaction D a P o J1HMAL AWS)AL Periodic Fee ail e dic r PBICENTAGE P9N3 NiAGE FtHAtiCE FRiAMCE Rates RATES RATES CHARGIM ;current billing period: 31 days Purchases $4291.2A 0.079A2% 28.99% V 28.99% $105.63 none Cash Advances $5774.49 0.07942% 28.99% V 28.99% $14217 $0 The rates that apply to your Account are either fbmd fl or they may vary M as rested above. Questions? Manage your account at Discover.cotn or call 1-8004MSCOVER (1-800-3A7-26831. New Balance minimum Payment Due DISCOVER $9,973.23 $288.00 CARD Payment Due Dale January4, 2008 05 SDSNSA010003601 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Ender Amount Enclosed Below $1 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overfimit amount of $173.23. Will your payment get to us on flme>I Pay your ill online and your payment can be made to your account on the some day. Visit Discovereom/payments today. PO BOX 71084 Illrrrllr.sllrrr,lrirrlrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change;' Print change in space {nlnllu{urlrllnrlnlrlm{II{rule{ulrrllnlu{nIr{n{) move, or go to Diseover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625099732300000000028800 ------------- -- Discover More Card Account Summary Closing Date: December 5, 2007 page 1 of 1 Account number ending in 9362 Previous Balance $10,200.42 Payment [hie Date January 4, 2008 Payments And Credits 500.00 Minimum Payment Due $288.00 Purchases + 39.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Fkwnce Charges + 233.81 Cash Credit Available $0.00 New Balance $9,973.23 You may be ebb to ovoid Periodic Finance Charges, see the i reverse side for details. CaShback BOnus® Opening Cashbock Boras Balance $ 12.03 New Cashbock Bonus Earned + 0.00 Cashback Bonus Balance $ 12.03 - Cashbock BonusS Anniversary Avalablg to Redeem- - - ...... _ ,_ - 3 A-00- :,Date: July 5 i Coshback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Coshbock Bonus on Got More purchases in popular caotbeggoorines h h h c b t roug out t e year and up to 1 % Cash a k Bonus on all your other purchases. How Can We Help 1. Visit D6MM.Com to pay, yyaw i+8 for no cod, view ur P You? latest Account in6amatlon, ear, aand redeem =and more It's your Choice - 3 ways to help 2. Call 14004DISCOVER (347-2683) for last, easy self4ervice Please have your Discover Card available. options or to speak with a Customer Service Account Manage For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Soh Lake City, UT &1130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dade Dab Payments and Credits Nov 6 Nov 6 PHONE PAYMENT - THANK YOU $ -500.00 Other/misoellisrwws Dec 5 Dec 5 OVERIJMlT FEE 39.00 ------------------------- ------------------------ -------- Finance Charge Summary Nominal sedan Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNANCE FNANCE IBa OMei Rates RATES RATES CHARM CHARGES current billing period: 30 days Purchases $3896.95 0.07942% 28.99% V 28.99% $92.85 none Cash Advances $5916.01 0.07942% 28.99% V 28.99% $140.96 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. o Lost or stolen cards. Report immediateyl Call 1-800-347-2683. to z 98" Rights Stapnaary. In Case of Errors or Ouestions About Your Big: IlCyou think m your 3 bill is wrong, if you need more information about a o transaction on your bill, write us on a se crate sheet of paper x We must hear from you no later than g days after at Discover aid; PO Box erior Salt or Lake City. problem apLIT peared. B. You 421, can as soon as telephone possible. us,l v sent ent you the first bill on which the he err but $ doing n will not preserve your rights in your letter, give us the following information: o •YDUr name and Account number. *The dollar amount of the suspected error. •Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure v YoDu 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 mvesfigate your question, we, cannot report you as delinquent or lake any action to collect the amount you question. Special Rule for Craft Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to ppaay the remaining amount due on the gerbils or services You have this protection only when the purchase price was more than S50 and the pure ase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or d we mailed you the advertisement for the goods or services, all purchases are covered regardless df the amount or location of purchase.) 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 YYoour account at the financial institution indicated on your check or to process the payment as a check transaction. It paakent 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 m an a ironic 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 T you send dash, correspondence or other items with " payment if you send the payment to any other adtlr.A or If you use an a lope er than the one provided. Payments received on or affer 1 PRI Monday through Friday or on a weekend of. bank holiday will be ed to ur Account as of the next business day If you have, misplaced your envelope, send your-payment to Discovei Bank, PO Box 6103, Carol Stream, IC 60197.6103. Please allow 7=10 days for delivery. If your payment is riturned unpai ,vie reserve the IYot to resubmit it as an electronic debit u can p- r minimum W tent or a greater amount over the telephone, and you can set up automatic pa ents Call us at 1.800.347-2683. You will need tDis statement and your bank account information. You must ensure that sufficient funds are avai ble in pylur bank account, and all transactions must campy with U. S. law You will be asked to provide the first 5 digits of your account statement n code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and Your bank to deduct each payment you authorize from r bank account and to Initials debit or credit entries to your bank account, as applicable to correct an error in payment processing of such pa nt You must tell us the amount of each payment or You can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1.800-347-3693 or by mail at address listed in the previous paraigph. If your payments may vary in amount?we will tell you on each monthly statement when your payment will be made and how much it will De Your Automatic payment amount may less than mg aled on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed pa menls, or other defaults on your account may be renected in your credit report. We normally re the status and payment history of your Account to credit reporting Uencres each month. If yyopyy believe that our report is inaccurate or incor ale, please write us at the following address Discover Classic Card, PD Box 15316. Wilmington DE 19850.5316. Please Include your name, address, home telephone number and Account number. Periodic FMance Chraes. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Purchase first appears by the Payment Due Date, and the Payments and Credits on that statement eCuaI or exceed your Previous Balance. We call his the "prate period". You do not have a ggrraace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new bala nee transfers and cash advances beainnin6with me dale the transaction occurs- i on this orrang statement the we will not impose Periodi Fin as of., (i) September 27.1999: or us earar,ed. tnnerwise, you win receive a During statemew next ante transfers and Old Balances (which we refer to as lransacWn s in the billing period x Daily Periodic Rate. (Refer, to the finance all the Periodic Finance Charges for each transaction categgory to nee is shown as 0 g no Periodic Finance Charges apply o the ethod of calculating the balance u n which we impose Periodic Ilin9 statement you received dunn the previous bilkng period by es that first appeared on that bit mg statement as well as new riodic Finance Charges on the Purchases on Your Previous billing on were ;uD eat to an so inclu ed in the action catelim on balance transfer ttransaacctonn categal slfa tranmetionumade in a category aiiousP Pilllinperiod IsrItemied onnthiss statement, wee consider the date to be the first day of the current. billing period when we calculate your eriog ic Finance Charges. For TOD (Telecommu icatiaa Device for the Dent) asshtance, please call 1-800-347.7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due ?+/? DISCOVER $10,299.71 $552.00 CARD Payment Due Date felarvary 4, 2008 05 SDSN6A010003602 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card. You era ovedimit. Pay the sum of the monthly minimum payment plus the ovelimt amount of $799.71. Will your payment get to us on time$ Pay your bill online and your payment can be made to your account on the some day. Visit Discover.eom/payments today. PO BOX 71084 ?flr+slis+s??s+++isissisi+ CHARLOTTE NC 28272-1084 Address,a-mail or telephone changO Print change in space above, or go to Discover.com. Print your email address to receive Important Account information and special offers. 000001986458271370625102997100000000055200 Discover More Card Account Summary Closing Dais: January, 5, 2008 Pagel of 2 iAccount number ending in 9362 Previous Balance $9,973.23 lPayment Due Date February 4, 2008 Payments And Credits 0.00 ,Minimum Payment Due $552.00 Purchases + 78.00 !Credit limit $9,500.00 Cash Advances + 0.00 'Credit Available $0.00 Balance Transfers + 0.00 Cash credit Limit $4,800.00 Finance Charges + 248.48 :Cash Credit Available $0.00 New Balance $10,299.71 You may be able to avoid Periodic Finance Charges, sae the reverse side for details. Cashback BQnus® Opening Coshbock Bonus Balance $ 12.03 New Cashbock Bonus Earned + 0.00 C.ashbock Bonus Balance $ 12.03 ashback BonusS -Anniversary C _ AYaiktble to Redeem.. - . - .. - - $ ..... -Q 00 ,Dote; My 5 ;How Can We Help You? ' ' 'atest Ac f'rm6fi , ? ? , cost, more It's your choice - 3 ways to help Please have Discover Card available. your :For TDD (assistance for hearing impaired) we reverse side 2. Cal 1-800-DISCOVER (347-2683) for fast, easy selfaevice options or to speak with a Customw Sevice Account Manager 3. Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 ;Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Dole Dab Other/Misceflaneous Jan 5 Jon 5 OVERUMR FEE $ 39.00 Jan 5 Jan 5 LATE FEE 39.00 .Information For You While we are permitted under the Cardmember Agreement to Increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on !purchases and any special balance transfer rate, and applied the standard APR for purchases to year ouWandirg balance of 'pDU2ltatearmd b?ttst•RacGstrbrs. ti;gsiBViT,?NBrdlbrvelKe rTgitf I'o inireaae R+e74YRs un'yiiiir iac`co`urrliFycu fail tb-p'ay iKe----- iminimum payment due by the payment due date. See the Default Rate Plan section of the Cordmember Agreement for details. . * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to males other `arrangements. Important Information. If there is more than o page -to flits Ditling statement see the back of each page for additional important information See your Cardmamber Agreement. Your Cardmember Agreement contains all the terms of your Account W 0 Lost or stolen cards. Report immediately! Call 1-800-347-2683. Zz oft RIB SUnirnarY In Case of Errors or Ouestions About Your Bill: It think your bill is wrong, or it you need more information a0oihl a o transaction on your bill,-write us on a se rate sheet of paper at Discover Card; PO Box 30421, Sall Lafce Cily, OT 84130-0421, as soon as possible. We must hear from you no later than 60?days otter we sent you the first bill on which the error or problem appeared. You can telephone us,'but g doing so will not preserve your rights. In your letter, give us the following information: o Your name and Account number. -The dollar amount of the suspected error. •Desrribe 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 A 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 Cud Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have hied in good faith to correct the pprroblem with the merchant you may not have to pay the remaining amount due on the goods or services You have this protection only when ilia purchase price was more than $50 and the purchase was made in your home stale or whm 100 miles of your mailing address. (if we own or operate the merchant or N we mailed you the advertisement for the goods or services, all purchases are covered regardless or the amount or location of purchase. 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 pay rent as a check transaction. If paaknt. 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 me an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your pa nt. and you will not receive your check back from your financial institution. The processAn of your payment may be delayer IT yo r u send cash, correspondence or other items with trout lp nt if a send the payment to any other add or N you use an envelope other than the one provided Payments received on or after 1 PIGI Mondarthrou0oh Friday or on a weekend or bank holfda will be ed to your Account as or the next business day. If you have, misplaced your epvelope,.senci your-gaymenl to Discover-Bank, PO Box 6103, Carol' Stream, IC 60197.6103: Please allow 7110 days for delivery. If your payment is returned unpaid, we reserve the ngM to resubmit it as an electronic debit You can paY Your minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1.600-347-2683. You will needd this statement. and your bank account information. You must ensure that sufficient funs 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 zit code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and Your bank to deduct each payment you authorize from your bank account and to initiate debit or credit entries to your bank account as applicable to correct an error in e processing of such payment. You must tell us the amount of each payment or can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment. You may nolgv us by phone at 1.1100-347-2683 or by mail at address listed in the previous paragpraph. If your payments may vary in amount we will tell you on a ch monthy statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than mdrealed on the monthly statement based on credits or payments applied during the billing cycle. Credit Reportkmg. We may report information about your account to credit bureaus Late payments, missed pa menns, or other defaults on our account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting a enches each month. If yoE Del that our report is inaccurate or incomplete please write us at the following address Discover Classic Card, P? Box 15316, Wilmington D 19859.5316. Please Include your name, address. hone telephone number and Account number. Periodic Finance Clot as. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the do a the transaction occurs until the date of" repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases an cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the urchase first appear by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call Phis the "race period".: You Oo not have a grace period o Wlance transfers or cash advances Periodic Finance Charges are imposed on new c rinance cnarges are imposed on an transactions and Old Balances until the date of repayment Repayment means payment of your entire once. However if you pay the New Balance shown on this billing statement ply the Payment Due Date, and the Payments and Credits shown statement equal or exceed the Previous Balance we will not impose Periodic Finance Charges on new purchases, that rs, purchases first g on this statement If your Account was closed as of: (i) September 27,1997, or (ii) August 31,2001 and was formerly a Discover® Prime 7lscover National Alliance for Specks SurvivalO or Universal Studios Account; or (friVeplember 30, 2001 and was formerly a Discover fora Account vnu car avgfd Payment of Periodic Finance Charqef if.,vYr nay the ray_ a[Ohhtcf,stown on this statement by the PaymentDue i Uhe Payments and Ciadits on this statement equal or exceed your nevwus Balance. Ol erwnse, you will receive a billing stalemew next hat includes Per?pd? Finance Chorrggeess imposed until the date of repayment in le Periodic Finance Chargese3ch day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transacton ul by using the following equation: Average Dairy Balance x number of days in the billn period x Daily Periodic Rate. (Refer to the finance ummary on the front of ur statement for these amounts) Then we add all the Perk Finance Charges for each transaction category to total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the in a transaction category. se the two-cycle average daily balance (includin new transactions) method of calculating the balance urn which we impose Periodic Chargqees Thr means d y3u did not pay the New Balance shown on the billing statement you received durng the previous billing period by rent Due Date, we win impose Periodic Finance Charges on new purchases that first appeared on that D I Ing statement as weN as new s that fiat appear on this billing statement unless we already. imposed Periodic Finance Charges on the Durchases on wur orevious billing on KI] balance transfer lansaction calepay? •ttit transaction made innaarperevous billing9rperiod Isritemize0 onethis statement, we considerrthe date to be the first day of the current billing period when we calculate your Perro aic Finance Charges. For TOD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. r DISC*VEZ Mr-LAIN ROY DISCOVER c^ss Account number ending in 9362 CARD Discover" Card ranked *1 in Customer Loyalty--for 11 years in a rows °rve never been so impressed with a company that has looked out for my well-being with timely reminders, poperless statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life-" James T. clem&nd, Ohio ENerience it for yourself at Dhcovecwm •A.my& 8 rc the 2006 Btovd Keys Cwt-wr Loyally figogemeve kidsx Report 02008 Discover Bark, hwnbee FMK Closing Dale: January 5, 2008 page 2 of 2 Finance Charge Summary Transaction D ANNUAL ANNUAL Periodic a P? P rt RA RA S?3 current billing period: 31 days Purchases $4031.94 0.07942% 28.99% V 28.99% $99.26 none Cash Advances $6061.02 0.07942% 28.99% V 28.99% $149.22 $0 The rates that apply to your Account are either fixed (FJ or they may vary Ni noted above. Questions? Manage your account at Discowr.com or call 1-800-DISCOVER (1-800-347-2683). Now Balance Minimum Payment Due DISCOVER $10,625.38 $815.00 CARD Payment Due Date March 4, 2008 05 SDSN6A01 0003603 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below 1 Please make checkpayable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of 41, 125.3E." Will your payment get to us on timeg Pay your bill online and your payment can be made to your account on the sane day. Visit Discovencom/payments today. PO Box 71084 IHrrrl6..llnr,n61rdr1.1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changetPrint change in space + ??n?nr?r?ltulnlr ml???uilulu?n??n?u?ulr?u?l above, or go to Discover.com. Print your e-mail address to u r receive important Account information and special offers. 000001986458271370625106253800000000081500 Discover More Card Account Summary dosing Date. February 5, 2008 page 1 of 2 Account number ending in 9362 Previous Balance $10,299.71 !Payment Due Date March 4, 2008 Payments And Credits 0.00 Minimum Payment Due $815.00 Purchases + 78.00 ;Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 rCash Credit limit $4,800.00 Fi nasnce charges + 247-67 Cash Credit Available $0.00 New Balance $10,625,38 You may be able to avoid Periodic finance Charges, seethe reverse side for deia&. :Cashback BOnuS® Opening Cashbada Bonus Balance $ 12.03 New Cashbock Bonus Earned + 0.00 Cashbodc Bonus Balance $ 12.03 ack Bonus* Anniversary - - - - - - - AvQilQble tR. Wow ....... $ . - _ _ - - 0'.00 July 5 ;How Can We Het You? p 1. Visit iHecawrcom to pay yaw 68 for no cost view your t i t A & d d l t ti d t ;It's your choice - 3 ways to help on, earn an ccoun n xma re eem rwrar s am more a es 2. Call 1 800-0ISCOVER (347-2683) for fast, easy selEssrvice 'Please have your Discover Card available. options or to speak with a Customer Service Account Manager 'For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Sap take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. post Date Date Other/MiseeKanaous Feb 5 fob 5 OVERUMIT FEE $ 39.00 Feb 5 Feb 5 LATE FEE 39.00 Information for You :While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment ivvas late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rote, and applied the standard APR for purchases to your outstanding balance of purchases-andbalarimiransfers. However we-m"iheTotto-mcreassilwAPRs-myotrrAcwuntiFyaa fail talSa 1W---- ;minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. * * * 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. 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 (n 0 Lost or stolen cards. Report immediately. Call 1-800-347-2683. (n z m BIRYug Rbjhb 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 seWrate sheet of paper at Discover Card; PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than fits days after we sent you the first bill on which the error or problem appeared. You can telephone us,,bul $ .Your doing so will not preserve your rights. In your letter, give us the following information: o name and Account number. -The do0ar amount of the suspected error. w -Describe the error and explain, tt you can, why you believe there is an error. If you need more information, describe the item you are unsure V You No not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we, cannot report you as delinquent or take any action to collect the amount you question. Special Rude for Credit Card Purchases: 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 rnore-than S50 and the purchase was made in your home state or within 100 miles of your mailing address. III we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 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 ac soon as the same day we receive your pa nt and you will not receive your check, back from your linancial institution. The processing of your payment may be de1Xd d you send cash, correspondence or other Items with our payment if you send the payment to any other address or if you use an envelope o[n1 r than the one provided. Payments received on or af[er 1 PF1 through Friday or on a weekend or bank holiday will be posted to your Account as or the next business day. tt you have, misplaced your envebpe,_sendyoq r-payment to Discover Bank, PO Box 6 03, Carol btream, IL 60197-6103.- Please allow 7:10 days for delivery. II your payment is returned unpaid, we reserve the ngM to resubmit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1.800.347-2683. You will need rs 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 sgnature, you will be agreeing to iris aulhorizalion N allow us and your bank to deduct eacD Dayment you authonze Fran r Dank account and W iniliafe debit or credit entries to your bank account as applcable W correct an error in Ne processing of such pa nt You must teg us the amount of each payment or you can select an amount such as the lAinimum Payment Due or the New Balance on each riatemenl You can cancel a payment however we must receive police al least Nree business tlayt in advance of fhe scheduled payment. Vou may notify a by phone at 1.600.147-26713 w by mail at address listed in the previous paraggrraaph. If your pa menis may vary in amount we will fell you on each monlMy st atement when your payment will be made antl how much it will be. Your Automatic payment amount may be less than •ndic.W on the monthly statement Dased on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month. If yyopUy believe that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PQ Box 15316, Wilmington "DE 19850.5316. Please Include your name, address, home telephone number and Account number. Periodic FYance Cheraw. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning d hitter do eftantl cast ocadvances made on curs until the d or or repayment and on Old Balances until the dale of repayment Old Balances are comprised purchases prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Gurch"e first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the 'Gprace period'. You do not have A grace certod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beanni m with fhe date the transaclinn occurs new eaance. mowever a you pay me new ualance shown on on this statement equal of exceed the Previous Balance we appearing on this. slAtement_ If your Account was closed as c we Balance x nurr amounts) The The Average in 1 late cash you will receive a billing statement next alances (which we refer to as transaction Dairy Periodic Rate. (Refer to the finance o PerioodicoFinance transaction apply y category, try he e balance u which we impose Periodic ived dunn the previous billing period try n that bit no statement as well as new m the Curchases on your previous billing daily balances in a billing period for a ily :s Chhalrrled that day andnPerg0ic Finance at are applied against the balance of the ter the previous day's daily balance" to pecial rate balance transfers and Balance Balance transfers that were subject to an tint credit limit are also Included in the balance transfer transaction catedorv on Charges which are added to the cash advance transac(orf category-and Balance'Transter TransacUiin Fee Finance Charges which are a balance transfer transaction categooryry Ifa transaction made in a previous billing perind is itemized on this statement, we consider the date to be the first dory of the currenT billing oeriotl when we calculate your PenoBiE Finance Cnarees For TOO (Teleeommwdeatlwrs Device for the Deaf) assistance, please call 1-900-347-7449. The Discover4p Classic Card is issued by Discover Bank, Member FDIC DISCOVER CARD D15C1VE12 MCLAIN, ROY C IL-. Account number ending in 9362 Bti?ter Discover' Card ranked #1 in Customer Loyalty-for 11 years in a row!* 'I've never been so impressed with a company that has looked out for my wellbeing with timely reminders, paperless statements and even a telephone mil when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." James T.-Cleveland, Ohio Experience 4 for yourself at Discovercom *Acwding to 1 he 2008 Brand Keys Cuslpner layoky Engogrnm0 kdex Report MOM Dismrer Bank, Member FDIC Closing Date: February 5, 2008 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE B Rates RATES RATES CHARGES CHARGES current billing period: 31 days 'Purchases $4209.59 0.07668% 27.99% V 27.99% $100.07 none Cash Advances $6209-47 0.07668% 27.99% V 27.99% $147.60 $0 The rates that apply to your Account are either fixed (Fl or they may vary M as noted above. ' Questions? Manage your account at Diseover.com or call 1-800-DISCOVER (1-800-347-26831. DISCOVER CARD New Balance Minimum Payment Due $10,950.85 $1,078.00 Payment Due Date April 4, 2008 05 SDSNWI 0003604 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card. You are ovedimit. Pay the sum of the montMy minimum payment plus the ovedimit amount of $1,450.85. Will your poymentJet to us on time? Pay your bill online a your payment can be made to your account on the same day. Visit Diseovercom/payments today. FO Box 71084 11111111141 1111111111111119 CHARLOTTE NC 28272-1084 Address, e-mail at telephone change? Print change in space Inlilluln?l?llu?li111lufllll1nlnlulullulu1gill loll above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458271370625109508500000000107800 Discover More Card Account Summary Closing Date: March 5, 2008 page 1 of 1 iAccount number ending in 9362 Previous Balance $10,625.38 ;Payment Due Date April 4, 2008 Payments And Credits 0.00 'Minimum Payment Due $1,078.00 Purchases + 78.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finance Charges + 2A7.47 Cash Credit Available $0.00 Now Balance = $10,950.85 You may be able to avoid Period ic Finance Charges- see the reverse side for details. ,Cashback Bonus* Opening Cashback Bonus Balance $ 12.03 Now Cashback Bonus Earned + 0.00 Redemptions This Period 12.03 Cashback BonusO.Anniversary Cashback Bonus Balance - - -. - - - - - Awilabht io Redeem - - - - $ -..0.00 $ 0.00 _ 5 ;Date July How Can We Help You? I . Visit Discovercom to pay your bar for no cast "ew your latest Account information, eam and rsdsem rewarls and more It's your choice - 3 ways to help Pkoss have Discover Cara avaiksbie. your For TDD (assistance for hearing impaired) see reverse side 2. Cal 1.8004DISCOVER )347.2683) for fast, easyselFseivice options or to speak with a Cuabmw Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale 'Oilier/Miscolla sous Mar 5 Mar 5 OVERUMIT FEE $ 39.00 Mar 5 Mar 5 LATE FEE 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for kdure Payments should be made immediately. ---------- ---------- -------------------------- -Finance Charge Summary Nominal Transaction ANNUAL Daily age Podic AGE ANNUPOWENTAGE Pwkxk F ,current billing period: 29 days ;Purchases $4388.04 0.07942% 28.99% F 28.99% $101.07 none ,Cash Advances $6356.33 0.07942% 28.99% F 28.99% $146,40 $0 ;The rates thot 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, in 0 Lost or stolen cards. Report immedialey! Call 1-800-347-2663. co z rn BRMft Rights SumnsaryIn Case of Errors or Ouerilons About Your Bill: If Wu 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 Card; PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first big on which the error or problem appeared You can telephone us, but °o doing so will not preserve your rights. In your letter, give us the following information: 0 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 Youoao 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 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, I. yo ma n have to pay the remaining amount due on the ds or services You have this protection onIy when the purchase price was more thu an S50 a ond the port lase was made in your home stale or vii hill 100 miles of your mailingg address. (If we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 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 facerve your pa rat and you will not receive your check, back from your financial institution. The processing of your payment may be delayyeEpQ rT you send cash, correspondence or other items with your payment if you send the payment to any other address or N you lose an envelope oilier than the one provided Payments received on of after 1 PM Monday through Friday or on a weekend or bank holiday wig be posted to your Account as of the next business day. If you have. misplaced your. envelope, _sen qr-payment to Discover-Bank, PO Box 6103, Carol Stream. It. 60197-6103.- Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the nVt to resubmit it as an electronic debit You can pa r minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1-000.347.2683. You will need this satentent 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 with be agreeing to tNs authorrzaUon to allow us and your bank to deduct each payment you authorize from your bank account and to iniliafe debit of credit entries to your bank account as applicable to correct an error in lne processing of such paym ill You must leU us the amount or each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each salemenL You can cancel a WYment however we must receive notice at least three business days in advance of the scheduled payment, You may notify us by phone al 1.800.347-2683 or DY mail at address listed in the previous paraggraph. g your pa menu may vary in anount, we w01 leli you on each rtwnthly statement when your payment will be made and now much it will be. Your Aulomtic payment amount may be less than ntlicaicd on the monthly statement based on credits or payments applied during lne billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed pa ments, or other defaults on your account may be reflected in your credit report. We normally roDOrl the status and payment history of your Account to credit reporting yencies each month. It you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PD Box 15316, Wilmington DE 19050-5316. Please Include your name, address, home telephone number and Account number. Periodic Fatariee Chortles. Except as provided babes, we will irtlpo? Periodic Finance Charges on purchases. cash advances and balance transfers beginning with the dalCa the transaction occurs Until the dale of repayment and on Old Balances until the dale of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the Purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call his the " race period'. You do not have w race period on balance transfers or cash advances. Parodic Finance Charges are imposed on new balance tr rulers and cash advances beomnintl"with the date the transaction occurs. new oaiance. rarwever a you pay the new via shown on this Dllling statement Ent on this statement equal or exceed the Previous lance we will not impose Period DV Fir appearing on this statement _ If your Account was closed as of., (I) September 27.1999: or u ovine vii una wdeniem cquai w exceeu yorh ricvxluS ead:ucc. utnerwdse, you will receive a billing satemew next at mcl s Periodic Finance Charges imposed until the date of repayment. M to Periodic Finance Charges each day for purchases, ash advances, balance transfers and Old Balances (which we refer to as transaction Irby using the following equation: Average Daly Balance x number of days in the billingg period x Daily Periodic Rate. (Refer to the finance Unn ry on the front of your statement for these amounts) Then we add all the Perio is Finance Charges for each transaction category to total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 it no Periodic Finance Charges apply to the in a transaction atepory. se the two-cycle avers0pe daily balance (includinr?g new transactions) method of calculating the bala nce u n which we impose Periodic Charges This means U X did dot pay the New 82Unce shown on the billing statement you received duurl the previous billing period by nent I li t cep wr will impose Periodic Finance Charges on new purchases Thal first appeared on that biying statement as well as new x that first appear on this billing statement unless we aheadg imposed Periodic Finance Charges on the pourchases on your previous billing I. We compute the average dai balance for each transa tion category, by adding up all the daily 6a lances in a billing period for a on cater and tlividm9 the total the number or days In the billing cycle. We comGute the daily balance for each transaction category day tnTirsl adding the Iolbwinp to previous day's daily balance: transactions made that day, fees charged that day and Periodic Finance all ru on the previous day's alai, ba lance; and by then subtracting any credits and payments that are applied against the balance of the on atIV on that day. In calcufat? the daily balance for the previous billing period, we consider the previous day's daily balance" to rn 0 on lne first day of the WIOn0 per' lances are excludes from the balance of the purchase and cash advance transaction categories Special rate balance transfers and Balance Transaction Fee Finance Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an ecial rate that has been terminated due to a ate payment or because you exceeded your Account credit limit are also included in the until the initial special rate otherwise would have expired. In calculating the daily balance of the balance transfer transaction caletlory on Charges which are added to the cashadvance transaction category and Balance ransfa'r TranSatidin Fee Finance Charges which are a balance transfer transaction cahigol g. a transaction made in a previous billing period is itemized on this statement, we consider the data to be the first day or the current balling period when we calculate your Periodic Finance Charges. For TOD (Telecommunicatlons Device for the Deaf) assistance, please call 1-800-347-7449. The Discover* Classic Card is issued by Discover Bank, Member FDIC. ?• New Balance Minimum Payment Due DISC VER $10,613.08 5812.00 CARD Payment Due Date May 4, 2008 05 SDSN6A010003605 MCLAIN, ROY C 5252 E TRINDLE RD MECHANIC5BURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below 1 Please make check payable to Discover Card. You are overlimit" ray the sum of the monthly minimum payment plus the ovedimit amount of $1,113.08. Will your paymentget to us on time? Pay your III online and your payment can be made to your account on the same day. Visit Discover corn/payments today. PO BOX 71084 Illtitllutllr,ulrlultlt CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge? Print change in space (u) gill lloll IluIIuli Irulllloll if lt1jullululnl1Inll above, or go to Discover.com. Print your e-mail address to receive important Account Information and special offers. 000001986458271370625106130800552000081200 - - - - - - - - - - - - - ---- -- - - - - - - Discover More Card Account Summary dosing Date: April 5, 2008 page 1 of 1 Account number ending in 9362 Previous Balance $10,950.85 Payment Due Date May 4, 2008 Payments And Credits 686.00 Minimum Payment Due $812.00 Purchases + 78.00 500.00 Credit Umh $9 Cash Advances + 0.00 , Credit Available $0.00 Balance Translers + 0.00 Cash Credit Umit $4,800.00 Finance charges + 270.23 Cash Credit Available $0.00 New Balance = $10,613.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details, Cashback Bonus Opening Cashbock Bonus Balance $ 0.00 0 0 .0 New Cashback Bonus Earned + Cashbo& Banos Balatce $ 0.00 Cashback BoausiSAnniversa bl 0.00 Availa- -e to Redeem- _ $ --------------------- Date: July 5 How Can We Help You? . 1. Visit Diaaaver com to pay your bra for no cost; viewyour latest Account information, earn and redeem reNwrda and mare ' IPs your choice - 3 ways to help 2. Call 1-800MCOVER (347.2683) for fast, easy 3*14sly ce options or to speak with a Customer Service Accost Manager Please have Discover Card available. 1 your 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Lid6iliy Cauamilee Use your Discover Card with confidence. Trans. Post Dote Dab Payments and Credits Apr 1 Apr 1 PAYMENT - THANK YOU $ -552.00 Apr 2 Apr 2 OVERUMIT FEE REFUND -17.00 Apr 2 Apr 2 LATE CHARGE REFUND .117.00 Other/MfaceOansous Apr 5 Apr 5 OVERUMLT FEE 39.00 Apr 5 Apr 5 LATE FEE 39.00 Information For You - `"• ATTEMON*' W'e prevriiusty"requestedlfie piisT due amoorr? on youF bccount: We - vi no record o ?e -ervmg payment. The amount due should be paid at once. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FMANCE FINANCE B c s Rates RATES RATES CHARM CHARGES current billing period: 31 days Purchases $4466.26 0.07942% 28.99% F 28.99% $109.96 none Cash Advances $650956 0.07942% 28.99% F 28.99% $160.27 $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. in Lost or stolen cards. Report immediately. Call 1400-347-2683. z m Bgerig Rights Susraary In Case of Errors or Questions About Your Bill: If IF think your bill is wrong, C u you need more information about a o transaction on your Will. write us an a separate sheet of paper at Discover Card; PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear From you no later than 6Q days after we sent you the first bill on which the error or problem appeared. You can telephone us,'but o doing so will not preserve your rights. In your letter, give us the following information: o .Your name and Account number. .The dollar amount of the suspected error. *Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure V Y219 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 any action to collect the 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 with the merchant, You may not have to pay the remaining amount due on the ggoods or services You have this protection only when the purchase price was, more than $50 and the purchase was made in your home state or whhin 100 miles of your mailing address (h we own or operate the. merchant or if we mailed you the advertisement for the goods or services- all purchases are covered regardless of the amount or location of purchase. Payments. Send only your payment and 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 yyoour account at the financial institution indicated on your check or to process the payment as a check transaction. If pa en. 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 mamke an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed payment, you send cash, correspondence or other hems with your payment If u send the payment to any other addr or if you use an envelope other than the one provided. Payments received on or after 1 PK9 Mondarthrough Friday or on a weekend of 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 6103, Caro[ Stream, IL 60197-6103: '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 pa r minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-B00-347-2683. You will need this statement and your bank account information. You must ensure Thal sufficient funds are avahable in your bank account and all transactions must comply with U. S. law. You wig 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 each payment you authorize from your bank account and to initiate debit or credit entries to your bank accoun` as applicable to correct an error in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a ment however we mull receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1.800.347. 683 or by mall at address listed in the previous para0nph If your payments may vary in amount we will tell you on a ch monthly statement when your payment will be made and how much rt. will Your Automatic payment amount may be less than •ndrealed on the monthly statement baud on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed pa menns, or other defaults on your account may be reflected in your credit report. We normally recoil the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Card, PD Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Pounce Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the datCee the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the urchau first appears by a the Payment Due Date, and the Payments and Credits on that statement a sel of exceed your Previous Balance. We call Phis the "grace period". You do not have a grace ppeeriod on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginning with (he date the transaction occurs. Periodic Finance Charges are Imposed on altf transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However if you pay the New Balance shown on this billing statement bbyy the Payment Due Date, and the PaYmeits and Credits shown on this statement equal or exceed the Previous Balance we will not impose Periodib Finance Charges on new purchases, that is purchases first appearing on this statement_ It your Account was cloud as OF. (i) September 27.1997 or I)1) Audusl 31.2001 and was formerly a biscoverab Prime K11 in I late inc. tnnerwrse, you will receive a billing statement next nsfers and Ole Balances (which we refer to as transaction billing period x Daily Periodic Rate. (Refer to the finance eri Ic Finance Charges for each transaction category to hown as 0 if no Periodic Finance Charges apply to the calculating the balance u which we impose Periodic ertlent you received dun the previous bill ng period by first appeared on that bit rig statement as wet. as new nance geared on the ppuurchases on your previous billing ding up all the daily Wlances in a billing period for a compute the dairy balance for each transaction category ade that day, fees charged that day and Periodic Finance rid payments that are Applied against the balance of the ieriod, we consider the previous day's daily balance" to n categories Special rate balance transfers and Balance -lion category. Balance transfers that were subject to an eded your Account credit limit are also included in the baladcc of the balance transfer transaction category on r Transaction Fee Finance Charges and balance transfers the balance of the Vu,chase transaction categg .he exception of Cash Advance Transaction FeoorryY e-Finance fansaction Fee Finance Charges which are added to the Itemized on this statement. we consider the transaction Date to fie me first day of the current Dining period wDen we calculate your Periodic Finance Ct for TOD (Telecdnfmuukdloun DOylte for the Deaf) asshtanee, please cal 1-800-347-7449. The Discoverilf Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due DISCOVER $10,525.69 $752.00 CARD Payment Due Date June 4, 2008 05 SOSNGA01 0003608 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-5526 Account Number ending in 9362 Enter Amount Enclosed Below Please make check payable to Discover Card. You areovedimit. Pay the sum of the monthly minimum payment plus the overfimit amount of $1,025.69. Will your payment get to us on time4 Pay your in online and your payment can be made to your account on the some day. Visit Discaver.cam/payments today. PO BOX 71084 {{{nr{{m{{uu{h{n{r{h CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space (hh?n?{u?uh{({an?n(h(un{{{(nn(nh{u{u??u{hn(n?n{n{{ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625105256900330000075200 ------------- -------- Discover More Card Account Summary Closing Dc ft- May 5, 2008 pogo 1 of 1 :Account number ending in 9362 '.,Payment Due Date June 4, 2008 `Minimum Payment Due $752.00 Credit Limit $9,500.00 Credit Available $0.00 Cash Credit limit $4,800.00 Cash Credit Available $0.00 Previous Balance $10,613.08 Payments And Credits 420.00 Purchases + 78.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 254.61 New Balance = $10,525.69 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 Eamed + 0.00 Coshba& Bonus Balance $ 0.00 CeshbaokBonus®Armkwsary --------- -_---ixAgbletoli8deem-- _-__--------$...... 4,49 ':Date: July 5 How Can We Help You? 1. Visit Discow `orn to pay your bill for no cent='. amid none latest Account mliormation, can and rod. 'it's your choice - 3 ways to help 2. Call 1800-DISCOVER (347.2683) for fast, easy self service Please have Discover Card available. your options or to speck with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, '.For TDD (assistance for hearing impaired( see reverse side Salt Lake City, UT B4130 Transactions $0 Froud Liability Guarantee Use your Discover Card with confidence. D? PDat Payments and Credits May 2 May 2 PAYMENT • THANK YOU $ 330.00 May A May A OVERUMIT FEE REFUND -51.00 May 4 May 4 LATE CHARGE REFUND 39.00 01her/Miscellaneous May 5 May 5 OVERUMIT FEE 39.00 May 5 May 5 LATE FEE 39.00 For You - i6 iiii `w"?"ATTETdT10N?`'"?"? previousfy-reghieste311ie pail due amount on jiouFaccount. ?/e have no rewrd of receiving ----- -- - :payment. The amount due should be paid at once. i ;Finance Charge Summary Nominal Transaction Average . Daily ANNUAL ANNUAL Periodic Fes Daily Periodic PERCENTAGE PERCENTAGE F NANCE FINANCE Bolan Rates RATES RATES CHARGES CHARGES ;current billing period: 30 days Purchases $4017.05 0.07942% 28.99% F 28.99% $95.71 none ?Cash Advances $6669.10 0.07942% 28.99% F 28.99% $158.90 $0 ;The rules that apply to your Account are either fixed M or they may vary M as soled 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 1400-347-2683. u' z m Boiling Rights Sumn In Case of Errors or Ouestions About Your Bill: If you think your bill is wrong. or it you need more information about a o transaction on Your bit, write us on a se rate sheet of paper at Discover Card; PO Box 30421, Salt Lake city, UT 84130.0421, as cen as possible. We must hear Irom you no later than 60wsays after we sent you the first bill on which the error or problem appeared. You can tselephone us,'but o doing so will not preserve your rights. In your letter, give us the following information: o .Your name and Account number. .The dollar amount of the suspected error. -Describe the error and explain, B you can, why you believe there is an error. If you need more information, describe the item you are unsure Youndo 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 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 my not have to pay the remaining amount due on the Wit 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 mailingg? address. (d we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless Of the amount or location of purchase.) Payments. Send only your payment and 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. It pa ment is processed as an a cVonic 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 pa nt and you will not receive your check, back from your financial institution. The processing of your payment may be delayed B you send cash, correspondence or other items with your payment, if u send the payment to any other address or if you use an envelope other than the one provided. Payments received on or arier 1 P 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 yo ur_paymenl to Discover-flank , PO Box 6103, Carol Stream, IL 60197.6103.- Please allow 7-10 days for delivery. Iiyour payment is returned unpaidwe reserve the night to resubmit a as an electronic debit You can pa r minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800.347-2683. You will need U1is 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 each payment you authorize from pair bank account, and to initfafa debit or credit entries to your bank account, as applicable to correct an error in the processing of such payment You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a rnent however we must receive notice at least three business 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 paraggraph. If your payments may vary in amount we will tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may less than mdicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to Credit bureaus. Late payments, missed pa menls, or other defaults on your account may be reflected in your credit , report. We normally seDOrt the status and payment history of your Accoun( to credit reporting agencies each month. If Wu bel'Igve that our report is inaccurate or incomplete, please write us at the following address Discover Classic Card, PQ Box 15316, Wilmington DE 19850.5316. Please include your name, address, home telephone number and Account number. Periodic Fiance Chases. Except as provided below, we will im se Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are cemprded of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid pa ent of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billinPr statement an which the %chase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your evious Balance. We call tats the "grace period". You do not have a grace ppeeriod on balance transfers or cash advances Periodic Finance Charges are imposed on new balance transfers and cash advances beginning with the date the transaction occurs. Periodic Finance Charges are imposed on ail transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However g you pay the New Balan shown on this billing statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous lance we will not impose Periodic Finance Charges on new Gurchases that is purchases first apppeearing on this statement h your Account was closed as of: (i) September 27,1999; or (ii) August 31,2001 antl was formerly a biscover® Prime Option, Discover National Alliance for Specks Survival® or Universal Studios Account or (iii 1 September 30, 2001 and was formerly a Discover ?mi!hscnien Account vnu caP,aygid pa Wart M Periodic Einance Charges t.. i IeY tae N,•w_Once shown on this statement by the Payment Due Laic and the Pa menu and L.1 m9 on this statement equal ot exceed your neviuus Baki.ce. Otherwise, you will receive a billing statement next month that incIp. Pericdic Finance Charges imposed until the date of repayment We pule Periodic Finance Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categoric by using the following equation: Average Daily Balance x number of days in the billing period x Daily Periodic Rata (Refer to the finance charge sumrmary on the front of your statement for these amounts.) Then we ad all the Perixfic Finance Charges for each transaction category to t the 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 average daily balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges This means if you did riot pay the New Balance shown on the billing slatement you received dung the previous billing period by the Payment ?iia Dale, we will unpou Periodic Finance Charges on new purchases last first apet'. wed on that billing statement as well as new purchases that first appear, on this titling sUterrxnt unless we already. imposed Periodic Finance fges on the purchases on Your previous billing ued on a on he were subject to an so included in the action category on Air tees cnarged td r Account are added to the rchase transaction categgory with the exception of Cain Advance Transaction f Charges which are ad ed to the cash advance Vans t ' category and Balance Transfer Transaction Fee Finance Charges which are abalance transfer transaction cal If a transaction made in a previous Pen Finance Is itemized on this statement we consider the date to be the first day of the cu ren billing period when we calculate your PenoO d Finance Charges. For TOO (Telecommudeations Device for the Deaf) assistance, please call 1-900-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. DISCOVER CARD New Balance Minimum Payment Due $10,865.95 $1,030.00 Payment Due Date July 4, 2008 05 SDSN6AOt0D03607 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $1,365.95. Wig yrwr payment get to us on time? Pay your bif online and your payment can be made to your account on the same day. Visit Discovercom/payments today. PO BOX 71084 1111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space l11llin,lr,nlrllr,rlninlurllllr,rlrnlnrinrllnlulgill lrrll above, or go to Discover.com. Prird your e-mail address to receive important Account information and special offers. 000001986458271370625108659500000000103000 Discover More Card Account Summary Closing Date: June 5, 2008 page 1 of 1 Account number ending in 9362 Previous Balance $10,525.69 Payment Due Date July 4, 2008 Payments And Credits 0.00 Minimum Payment Due $1,030.00 Purchases + 78.00 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfer + 0.00 Cash Credit Limit $4,800.00 Finance Charges + 262.26 Cash Credit Available $0.00 New Balance = $10,865.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ccahback BonuS® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus Earned + 0.00 Gashback8anvs®Anniversary------------•--•----- Cashbodt Bonus Balance $ 0.00 Available to Redeem__--------- S,_„_ 0.00..-_--.... ;Date: July 5 How Can We Help You4 . 1. Visit Diseaver com to pay yew hM for no cost view your latest Account inkxmalfon, can and redeem rewards and more Itrs your choice - 3 ways to help Please have Discover Card available. your For TDD (assistance for hearing impaired) we reverse side 2. Call 1-800DISCOWR (347-2683) for fast, easy selfaervice options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, $ale take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trails. Poet Dale Date 00110r/MiMalaneou3 Jun 5 Jun 5 OVERLIMIT FEE $ 39.00 Jun 5 Jun 5 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 Doi ANNUAL ANNUAL Periodic Fee Daily , Parodic PERCENTAGE PERCENTAGE F*4ANCE FINANCE Balances Rates RATES RA7 5 CHARGES CHARGES current billing period: 31 days Purchases $3819.48 0.07942% 28.99% F 28.99% $94.04 none Cash Advances $6832.56 0.07942% 28.99% F 28.99% $168.22 $0 The des that apply to your Account are either Fixed (Fl 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 earns. Report immediately! Call 1400-347-2693. rn z m Billing Rights Summary. In Case of Errors or Questions About Your Bill: If u think your bill Is wrong, or if you need more information about a o transaction on your bit write us on a separate sheet of paper at Discover (ard: PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 6U days after we sent you the first bill on which the error or problem appeared. You can telephone us,'bul o doing so win 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, d you can, why you believe there is an error. If you need more information, describe the item you are unsure v You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we, cannot report you as delinquent or take any action to collect the 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 pprroblem with the merchant, you may not have to pay the remaining amount due on the goods or services You have this protection only when Ne purchase price was more than E50 and the purchase was made in your home state or within 100 miles of your mailing_ address. (If we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless Of the amount or location of purchase. Payments. Send only your payment and 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 YYoouur 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your pa nt. and you will not receive your check, back from your financial institution. The processing of your payment may be delayed d you send cash, correspondence or other dems with your payment, if u send the payment to any other address or if you use an envelope other than the one provided Payments received on or after 1 Tr M cla through Friday or on a weekend or bank holiday win be posted to your Account as of the next business day. If you have. misplaced your envelope,,send qr-gaymenl to Discover Bank, i 0 Bm 6103. Car Stream. IL fi0197.6103.- Please allow 1.10 days for delivery If your payment is returned unpaid we reserve the t% to resubmit it as an electronic debit ou can pail Your minimum payment or a greater amount over the telephone, and You can set up automatic paymenti Can us at 1-000.347-2683. You will n a statement anC your bank account information. You must ensure at sufficient funds are avanlaable in your bank accounL and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account sUlement zits code. By entering those numbers as lour electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each gyment you authorize from your bank account and to initiate (debit or credit entries to your bank account as applicable to correct an error in Ne processing of such payment You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a ment, however we musl receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1.600-347-2683 or by mail at address listed in the previous parag0raph. If your pa ents may vary in amountbe we will tell yo on each monthy statement when your payment will be made and how much it will be. Your Automatic payment amount may less than ,ndicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit. report We normally report the status and payment history of your Account to credit reporting agencies each month. If yyoouu bellve that our report is inaccurate or inwm plate. please write us at the followmp9 address: Discover Classic Card, PD Box 15316, Wilmington DE 19850.5316. Please Include your name, address, home telephone number and Accou Tht number. Periodic Finance CAsraes. Except as provided below, we will 'rnlpose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dale the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billing statement on which the purchase first apears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call Ibis 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 Unposed on at transactions and Old Balances until the date of repavment Renavrtwnt meant navment of -r enfire on GZs statement equal or exceed your rierhuUS 50141.ee. Otherwise, you will receive a billing statemew next es imposed until the dale of repayment- :h day for purchases, cash advances, balance transfers and Did Balances (which we refer to as transaction Average Daly Balance it number of days in the billi® period x Daily Periodic Rate. (Refer to the finance nent for these amounts.) Then we add an the Periodic Finance Charges for each transaction category, to your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the balance (including new transactions) method of calculating the balance upon which we impose Periodic t pay the New Balance shown on the billing statement you received dun? the previous billing period by todre Finance Charges oq new purchases Thal first appeared on that bi ing statement, as well as new All lees charged to your Account are added to the .urchase transaction category with the exceplior Charges which are added to the cash advance transa calegory and Balance "Transfer Transaction F balance transfer transaction category. If a transacton made in a previous billing. period Is itemized on date to be the first day of the current billing per when we calculate your Periogid Finance Charges. For TDD (Telecomnwadcations Device for the Deal) assistance, please call 1400.347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. at rate balance transfers and Balance nee transfers that were subkcl to an credit limit are also IncluQed in the ince transfer transaction category on nance Charges and balance transfers pumbase transaction ca. Ih Advance TransactiontegoFeeryfinance nee Charges which are added to the alemenl we consider the transaction New Balance Minimum Payment Due DISCOVER $11,205.84 $1,307.00 CARD Payment Due Dale August 4, 2008 05 SDSN6AO10003608 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below Please make checkpayable to Discover Card. You are overtimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $1,705.84. Will your payment get to us on time? Pay your bif online and your payment con be made to your account on the same day. Visit Discover.cam/payments today. PO BOX 71084 {{{ns{{m{{on{s{u{r{s CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in span 11111111111111111111111 sell above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458271370625112058400000000130700 'Discover More Card Account Summary Closing Date: July 5, 2008 page 1 of 1 Account number ending in 9362 Previous Balance $10,865.95 ?Payment Due Date August 4, 2008 Payments And Credits 0.00 !Minimum Payment Due $1,307.00 Purchases + 78.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $4,800.00 Finace Charges + 261.89 :Cash Credit Available $0.00 New Balance = $11,205.8A You may be a61e to avoid Periodic Finance Charges, we the reverse side for details. Cashback BOnus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus Earned + 0.00 1 Coshback Bonus Baktttce $ 0.00 Gashbaek Bonus-Anniversary - - - - - - - - - - - - - - Available to.R.fldeettn- - - - - - - - - - - - .. - $ - - - _ _ - 0M ;Date: July5 . How Can We Help You? i . Visit Dbcover cam to pay your bi for na cost, view you d red l tio o em enants rand re t t Ac t i f `It's your choice - 3 ways to help es orma n, wn an mo a n e t coun 2. Call 1-800-DISCOVER (347-2683) For fast, easy selfservice Please have Discover Card available. yaw options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD {assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab other/Miscella ecus Jul 5 Jul 5 OVERUWT FEE $ 39.00 Jul 5 Jul 5 IATE FEE 39.00 Information For You *' * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for hture payments should be made immediately. ---------- ---------- --------- 'Finance Charge Summary Nominal Transodion Average Daily ANNUAAL AtMIUAI Periodic Fee Daily Periodic I?ENTAGE PBICENTAGE FINANCE FNANa Said ncas Rows RATES RATES CHARGES CHARM `current billing period: 30 days .Purchases $3992.00 0.07942% 28.99% F 28.99% $95.11 none :Cash Advances $7000.01 0.07942% 28.99% F 28.99% $166.78 $0 `The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Cordtnember Agreement. Your Cardmember Agreement contains all the terms of your Account m 0 Lost or stolen cards. Report immediately! Cali 1400-347-2683. rn Z m BlMrng Rights Summitry. In Case of Errors or Questions About Your Bill: If 1rou think your bill is wrong, or if you need more information about a o transaction on your bill. write us on a se rate sheet of paper at Discover Card; PO Box 30421, Sall Lake City, T 84130.0421, 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 P doing so will not preserve your rights. In your letter, give us the following information: o .Your name and Account number. .The dollar amount of the suspected error. -Describe the error and explain, d you can, why you believe there is an error. If you need more information, describe the item you are unsure Yopu 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 Cud Purchases: U you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you mayy not have to pay the remaining amount due on the 0potls or services You have this protection only when the purchase price was more than =50 and the purchase was made in your home state or wllhin 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase. Payments. Send only your payment and 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 g1rour account at the financial institution indicated on your check of 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 pa nt and you will not receive your check back from Your financial institution. The processing of your payment may be delayed 8 you send cash, correspondence or other Items with your payment if u send the payment to any other address or if you use an onvelope other than the one provided. Payments received on of after 1 P61 Mondarthrou0h Friday or on a weekend of bank holiday will be boded to your Account as of the next business day. If you have, misplaced your envelope, son repayment to Discover-Biok, PO Box 5103, Carpeam, IC 60197-6103.- Please allow 7=10 days for Oeavery. If your payment is returned unpaid. we reserve the right to resubmit it as an electronof Sic debit bu can IN your minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1.800-347-2683. You will need is statement and Vora bank account information. You mud ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the fast 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from r bank account and to initiafe debit or credit entries to your bank account as applicable- to correct an error in the processing of such pa nt you mud tell us the amount of each payment or you can select an amount such as the inimum Payment Due or the New Balance on each statement You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment You malt notify us by phone at 1.800.347-2683 or mail at address listed in the previous pareggrraaph. It your payments may vary in amount &we will tell You, on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may less than •ndreated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Accoun[ to credit reporting augencnes each month. If yYooyu behove that our report is inaccurate or incomplete please write us at the following address: Discover Classic Card, Pt Box 15316. Wilmington-DE 19850.5316. Pleas include your name, address, home telephone number and Account number. Periodic Finance ChiTs. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the date the transaction occurs until the dale or repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the lad day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the urchase first appears by the Payment Due Date, and the Payments and Credits on that statement eGVal or exceed your Previous Balance. We call Phis the "?race perrMod". You do noI have a grace period on wpnce Uarnfers or cash advances Periodic Finance Charges are imposed on new as are unposed on an transactions an or ex? tthe hheevousneaela we ent If your Account was closed as aatenem bar or exceed your rmrkws M o.". Otherwise. YOU will receive a billing statement next :s imposed un' the date of repayment. A day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction Average Daly Balance x number of days in the dllmg period x Daily Periodic Rate. (Refer to the Finance lent fa these amounts) Then we add all the Periodic Finance Charges for each transaction cater, to your Account. The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply o"the new transactions) method of calculating the balance upon which we Ki as al rate balance transfers and Balance nce panders that were subject to an credit limit are also included in the ante transfer transaction category on nance Charges and balance transfers purchase transaction ealeFgory dh Advance Transacl'an ee einance nce Charges which are added to the stement. we consider the transaction umc to UO me nail Uiy Ur lne current u nmg period wnen we calculate your Periodic Finance Ct For TOD (Tekeommunicatom Device for the Deaf) assistance, please call 1400-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due Account Number ending in 9362 DISCOVER $11.332.14 $1,x05.00 Enter Amount Enclosed Below CARD Payment Due Date $ 1 September 4, 2008 Please make check payable to Discover Card Minimum payment due includes a post due amount of 31,111.00. 05 SDSN6A01 0003609 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time'? Pay your 71111 "no and your payment can be made to your account on the some day. Visit Discovercorn/payments today. PO BOX 71084 III"?1111"'Il""I'I"I+I' CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change inspace fnnlllrrirrrinlirloll olllnrrllllronirrlrnlrrllrrln,lrrlnlnrl! above, or go to Discover.com. Print your a-mad address to ' receive important Account information and special offers. 000001486458271370625113321400000000140500 Discover More Card Account Summary Closing Date: August 5, 2008 page I of 1 Account number ending in 9362 Previous Balance $11,205.84 Payment Due Date September 4, 2008 Payments And Credits 196.00 Minimum Payment Due $1 A05.00 Purchases + 44.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit 800.00 $4 Finance Charges + 278.30 Cash Credit Avaikble , $0.00 New Balance = $11,332.14 You may be able to avoid Periodic Finance Chwges, see the i reverse side for details. Cashback Bonus` Opening Cashback Bonus Balance $ 0.00 New Cashbock Bonus Earned + 0.00 Cashback Bows Balance $ 0.00 Cashback Bonus®Anniversa Available to Redeem $ 0.00 ---- -------- -------------- Dale: July 5 view How Can We Help You? I . Visit Discewer com to pay your bill for coo, latest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have Discover Card available. your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soy Lake City, UT 84130 'Transactions $0 Fraud Liability Guamtee Use your Discover Card with confidence. Trays. Past Ddb bale i Paynwnts and Credits Jul 31 Jul 31 PHONE PAYMENT - THANK YOU $ .196.00 OlhertmisceUm»ass !ul 31 Jul 31 PAY BY PHONE PROCESSING FEE - DBT 5.00 Aug 5 Aug 5 LATE FEE 39.00 Information For You Your Account is overlimit. White we are permitted under the Cordmemlxr Agreement to charge you on Overlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Aecount kiofwice eirceeds your'Accourt credit limif.-5ee tFie lSvorlim'rf fee section of the Oarc?memTier AgreementFr details. ' * * * 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 Dotty ANNUAL. ANNUAL Periodic Fee Daily Periodic PERCWAGE 116MEMAGE FWAMCE FINANCE 80 Rates RATES RATES CHARGES CHARMS cement billing period: 31 days Purchases $413173 0.07942% 28-99% F 28.99% $101.73 crone Cash Advances $7171.58 0.07942% 28.99% F 28.99% $176.57 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rooted 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 yore Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. w Lost or stolen cods. Report immediately. Call 1-800-947-2689. Z Bnikug Rlghts Summary. In Case of Errors or Oueslions About Your Bill: If ?u think your bill Is wrong, or it ru need more information about a o transaction on your bill, write us on a separate sheet of paper at Discover Lard; PO Box 30421, Salt Lake City, UT 84130-0421, 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,lbul o° doing so will not preserve your rights. In your letter, give us the following information: -Your name and Account number. The dollar amount of the suspected error. -Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure Yopu do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we. cannot report you as delinquent or take any action to collect the amount you question. Special Rude for CmM 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 remaining amount due on the goods or services You have this protection only when the purchase price was more Than S5Y0 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 61 the amount or location of purchase.) Payments. Send only your payment and the top portio described above, you authorize us to use information on indicated on your check or to process the payment as be for the amount d the check. When we use informal account as soon as the same day we receive yooquyrre dppaYymrrs any otheds bas s ory'iofuybiwusebixnmemrebpeceoNer liar weekend or bank holiday will be to N'1 Accoi Discover-Bank, PO Box 6103, Caro Sf cream, IL 97.611 right to resubmit it as an electronic debit D can you minimum payment or a greater aunt You will new s statement. anC your bank account int. transactions must comply with U.S. law. You will be numbers as your electronic signature,fait will be agrer from your bank account and to iniOa debit or credit payment You must tell us the amount of each navmen m this statement in the envelope provided. Do not send cash. By sending your check as r check to make an electronic fund transfer from your account at the financial Institution eck transaction. is pa merit is processed as an efectronle fund transfer, Ne transfer will from your check to make an electronic fund transfer, funds may lot withdrawn from your and you will not receive your check back from your financial institution. end cash, correspondences other hems with Your payment if you send Ne payment to e one prowded. Payments received on or after 1 PK1 MontlaY through Friday or on a I( u Please a llow 7u 0 Ca d'or delivery halvle misplaced your envelope, _send yoWe r?ese ore tthe ys . your payment is returned unpaid, over the telephone, and you can set up automatic paVments Call us at 1-600.347.2683. ation. You must ensure that sufficient funds are available in your bank account and all d to provide the first 5 digits of your account statement zip code. By entering those to this authorization to allow us and your bank to deduct each payment you authorize ties to your bank account as applicable to correct an error in Phe processing of such you can select an amount such as the Minimum Payment Due or the New Balance on i receive notice at least three business days in advance of the scheduled payment You hers listed in the previous parapraph. If your payments may vary in amount :e will tell e made and how much it will De. Your Automatic payment amount may less than rents applied during the billing cycle. on credits or 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 re the status and payment history of your Accoun( to credit reporting agencies each month. 9yoy believe that our report is inaccurate or into w, please write us at the following address Discover Classic Card, PO Box 15316, Wilmington"DE 19850-5316. Please include your name, address, home telephone number and Account number. Periodic Fktvuce Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the data the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Did Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement equal or exceed your Previous Balance. We call this the "grace period-. You do not have a grace ppeeriod 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 unooud on alt transactions and Old Balances until me dalp of ren-omenr men-.,m-.„ m-a..e M- f r .m,....... maw oarance. nuwever a you pay me new tiatanee shown on this billing on this statement equal or exceed the Previous Balance we will not imp aspDearinSl on Nis statement 9 your Account was closed as of: (i) Seplem Option, Discover National Alliance for Specks SurvivalA or Universal Stui &mithsenien Account you cap a, payment ofPeriodic finance Charges uaie and fire Paymen[s and Ci on this statement equal or exceed yui month that includes Periodic Finance Charles imposed until the date of rep We coin le Periodic Finance Chargeseaon day for purchases, cash adva categories by using the following equation: Average Orly Balance x numbe charge summary on the front d r statement for these amounts) Then et the total Periotlle Finance charges for your Account The Average D balance in a transaction category. We use the two-cycle average daily balance (includi new Uansac Finance Chargges. This means if you did not pay the New Balance shown c the Payment?ira Date, we will imppoossee Periods Finance Charges on new purchases that first appear on this WI ing statement unless we already (ml statement We compute the average dal balance for each transaction transaction cate?ry antl divfdinp the total Ne number of days In the b on each daYY bpyy Tirsl adding Ne Tolowin9 to a pprrevious days daily balanc Charges aeCruetl on the previous tlaya sash balince; and by then subtract transaction eatepory on that day. In abufalinp the dairy balance for the have been D on a first day of the oil6np perfoa. Old Balances are exclu from the balance of the purchase and cash ore Transfer Transacfon Fee Finance purges are included in the dairy balanc initial special rate that has been lermmaled due to a late payment or bi cal?ay unfit the nttgl specal rate otherwe would have expired in cab the firs[ day of Ne DiiGng period, we wDUacl Ne unpaid balance of those that become purchase rate balance transfers on at as and we add that u All fees charged to your Account are added to the purchase transactior Charges which are added to the cash advance tranaac' category and 8: balance transfer transaction cateepgpwqy 9 a transaclton made in a previous dale to ba the first day of the Curren T billing period when we calculate your or pt.), August 31,2061 and was formery a gscover® Prime or (ru) September 30, 2001 and was formal a Discover Y..._ _, laacp shown on this statement by the Payment Due deice. Otherwise, you will receive a billing statement next transfers and Old Balances (which we refer to as transaction he billing period x Daily Periodic Rate. (Refer to the finance e Periodic Finance Charges for each transaction category to s shown as 0 it no Periodic Finance Charges apply to the of tabulating the balance u which we impose Periodic statement you received durum the previous billing Period by at first appeared on that biting statement as well as new Finance Charges on the Curchases on your previous IIHIMa adding up ail the daily balances in a billing period for a Ye c ute the daily balance for each transaction category made at da , fees charged that day and Periodic Finance is and payments that are applied against the balance of the g period, we consider the previous days dairy balance" to ;bon categories. Special rate balance transfers and Balance isaction category. Balance transfers that were subject to an [ceedetl YYoour Account credit limit are also Included in the airy balaifcc of the balance transfer transaction category on sfer Transaction Fee Finance Charges and balance transfers to the balance of the purchase trarIlisactbnte9orY h the exception of Cash Advance Transactim Fee-Finance F Transaction Fee Finance Charges which are added to the is itemized on this statement we consider the transaction For TOD (Telecommunications Device for the Deaf) assistance, please can 1-BOO-347-7449. The Discover* Classic Card is issued by Discover Bank, Member FDIC. New Balance Minimum Payment Due Account Number ending in 9362 DISC ,, VER $11,653.49 $1,703.00 Enter Amount Enclosed Below CARD Payment Due Date $ 1 ?l October 4, 2008 Please make check payable to Discover Card. Minimum ppaayymment due includes a past due amount oF$1,405.00. 05 SDSMADt 0003610 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Will your payment get to us on time? Pay your dl online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 'rr?r?(u?nr?n((rrr?n?r?ur?(??nn?u?u?u??rr?u?u?n?n?l above, or go to Discovercom. Print your e-mail address to receive important Account information and special offers. 000001986458271370625116534900000000170300 Discover More Card Account Summary Closing Date: September 5, 2008 page 1 of i ;Account number ending in 9362 Previous Balance $11,332.14 !Payment Due Daft October 4, 2008 Payments And Credits 0.00 :Minimum Payment Due $1,703.00 Purchases + 39.00 'Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit omit $4,800.00 Finance Charges + 282.35 Cash Credit Available $0.00 New Balance - $11,653.49 You may be able to avoid Period ic Finance Charges, see the reverse side for details. Cashbook BOnus® Opening Cashbook Bonus Balance $ 0.00 New Cashbook Bonus Earned + (.00 Cashbadc Bonus Balance $ 0.00 Cashback Bonuses Anniverwry - - - - - - - - - - lQC9ijoble b ReY(t l _ . $. - - . - - - 9,QQ. Date: July 5 ;How Can We Help You? ' Visit Accounts i„", orr to lion, sewn ana redeem',,?? iz%d more lt's your choice- 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy selfaervice options or to speak with a Cudomer Service Account Manager 'Please have your Discover Card available. 1 Write us at Discover Card, PO Box 30943, ;Far TDD (assistance for hearing impaired) see reverse side Sall Lake City, UT 84130 `,Transactions $0 Fraud Uabt'lity Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Otlvu'/Miscellaneous Sep 5 Sep 5 LATE FEE $ 39.00 t 'Information For You ;Your Account is oyerlimit. While we are permitted under the Cordmember Agreement to charge you an Ovedimit Fee, we ;have chosen not to do so at this time. We reserve the right to do w if, as of dw dose of a billing period, your ouWonding Account balance exceeds your Account credit limit. See the Ovwlimit Fee section of the Cordmember Agreement for details. ' 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 PEIMEWAGE RNANa F64AIVCE gold" cos Rates RATES RATES CHARGES CHARM 'current billing period: 31 days 'Purchases $4117.91 0.07942% 28.99% F 28.99% $101.38 none !Cash Advances $7350.27 0.07942% 28.99% F 28.99% $180.97 $0 ;The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. s 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 0 Lost or stolen cards. Report immediately! Call 1400-347-2683. (n z M BIIWg RkjW In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or it you need more information about a c transaction on your ,It, write us on a Separate sheet of paper at Discover Card; PO Box 30421, Sait Lake City, UT 64130-0421, as soon as possible. We must hear from you no later than 6 days after we sent you the first till on which the error or problem appeared You can telephone us,'but g domg so will not preserve your rights. In your letter, give us the following information: o •Your name and Account number. -The dollar amount of the suspected error. w 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 0o 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 any action to collect the amount you question. Special Rule for Credit Card Purclisses: 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 maryp not. have to pay the remaining amount due on the goods or miles es You merlin this protection own when thetp the v e price, oisifnwe hun "- and the purchase was made in your home state or wihin 100 addr covered er gardless or the amount or location of purchase.) mailed you the advertisement for the goods or services, all purchases are 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 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 one an eleclonic 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 B you send cash, correspondence or other Hems with lrour payment, if send the payment to any other addr or H you use an em2lope other than the one provided. Payments received on or offer 1 PRI Monda)Nrouggh Friday or on a weekend or bank holiday will be ed to ur Account as of the next business day. If you have, misplaced your envelope ,_send your-payment to Discover Bank, ?0 Box 6103, Car of Stream, IC 60197-6103' Please allow 7-10 days for delivery if your payment is returned unpaid, we reserve the r1luto resubmit it as an electronic debit. d can W r minimum payment or a greater amount over the telephone, and you can set up automatic payments Call us at 1-800.347-2683. You will need this statement and your bank account information. You must ensure at 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 ziff code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from Your bank account and to initiate debit or credd entries to your bank accoun` as applicable to correct an error in the procemn9 of such paym nt. You must tell us the amount of each payment or ou can select an amount such as the Wnimum Payment Due or the New Balance on each statement. You can cancel a runt however we muss receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1-800.347.2583 or by mail at address listed in the previous paragraph. If your pa ents may vary in amount we will tell you on each monthly, statement when your payment will be made and how much it will be Your Automatic payment amount may be less than •ndicated on the monthly statement based on credits or payments applied during the billing cycle. 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 depa t the status and payment history of your Account to credit reporting agencies each month. If lay believe that our report is inaccurate or incomfNele, please write us at the following address: Discover Classic Card, PO Box 15316, Wilmington-DE 19850.5316. Please include your name, address, home telephone number and Account number. Periodic Finance Chile as. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the dace the transaction occurs until the date of repayment and on Old Balances until the dale of repayment. Old Balances are cempOsed of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement eGVal or exceed your Previous Balance. We call this the "gprace period". You do not have a grace perod on Wiance transfers or cash advances Perxxiic Finance Charges are imposed on new balance transfers and cash advances beannind with the date the transaction occurs. on this statement equal or exceed the Previous appearing on this statement It your Account w O on, Tscover National Alliance for Species '. Smithsoniat Arco-unt wool cap"d payment qr Mort: and We Paymen(s and Gedits on this stair month that includes Periodic Finance Charrggeess im We coolpute Periodic Finance Charges. each do c cate hair a summauagi the tronlwnofgyOuur asUlement get the total P7, iodic Finance Charges for your glance in a transaction category. We use the two-cycle averagge daily balai Finance Char s This means a y3ir did not pay the Payment Date, we will imrpose Periodic purchases that first a r on this DiIn, statem statement we tom to the average dally IAI transaction category and dividid? the total by in on each day byl r adding the followingaily he Charges, accrued on the previous days tali hansaction rale?ry on that day. M calculating have been 0 on Ufa first day of the billing period. 1 on this Dining statement in( we will not impose Period' Fir as or. (1) September 27,1999; or new lherwise, you will receive a billing statement next and Oki Balances (which we refer to as transaction period or Daily Poodle Rate, (Refer to the finance Finarice Charges for each transaction caleggpry to as 0 if no Periodic Finance Charges apply-lo the aling the bala nce u which we impose Periodic you received dune the previous billing period by ape;red on that bit mg statement as well as new Charges on the purchases on our Drevious billing All Tees cnarged to r Account are added in the lwrchase transaction tale ary with the exception Charges which are a ed to the cash advance transaction category and Balanceransfer The F balance transfer transaction category. H. 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 TOD (Telecommunications Device for the Deaf) assistance, please tail 1-800-347-7449. The Discover® Classic Card 15 issued by Discover Bank, Member FDIC. it rate balance transfers and Balance nce transfers that were subject to an credit limit are also Included in the nce transfer transaction category on nance Charges and balance transfers purchase transaction cateFgory 1i Advance Transaction ea finance nce Charges which are added to the clement we consider the transaction New Balance DISCOVER $11,769.52 CARD 05 SDSMA01 0063611 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Minimum Payment Due Account Number ending in 9362 $1,796.00 Enter Amount Enclosed Below Payment Due Date $ ?- November 4, 2008 please make check payable to Discover Card. Minimum ppa?mmeenntt due includes a past due amount of $r ,503.00. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discovernaom/payments today. PO BOX 71084 Ill 1111121rll111111111 11111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge? Print change in space Iulnilulr,rlrlluriulhlnrllllnrlallullnln lnlnlrhll above, or go to Discover.com. Print your e-mail address to 1114111111 receive important Account information and special offers. 000001986458271370625117695200200000179600 ------ ------------ i Discover More Card Account Summary Closing Date: October 5, 2008 page 1 of 1 Account number ending in 9362 Previous Balance $11,653.49 Payment Due Date November 4, 2008 Payments And Credits 200.OD Minimum Payment Due $1,796100 Purchases + 39.00 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash credit limit $4,800.00 Finance Charges + 277.03 Cash Credit mailable $0.00 New Balance = $11,769.52 You may be able to avoid Periodic finance Charges, see the reverse side for details. Cashbdck Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashbock Bonus Earned + 0.00 Cashba& Bonus Bolartce $ 0.00 Gashback Bonus®-Anniversary - Available io RecJeetlt. 0.0_Q - - - - Date: July 5 How Can We Help P You? 1. Visit D6covw mn to payyew 6M for no cost, view y?r latest Account information, earn and redeem ro; and more It's your choice - 3 ways to help 2. Cog 1-800-DWOVER (347-2683) is fast, easy selfservice Please hove your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Sak Lake City, UT 84130 'Transactions $0 fraud LiabiMy Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Payments and Credits Sep 12 Sep 12 PAYMENT -THANK YOU. $ -200.00 CMrw/Miscegansaus Oct 5 Oct 5 LATE FEE 39.00 Information For You Your Account is overlimit. While we are permitted under the Cordmember Agreement to charge you an Overlimit Fee, we ` hove chosen not to do so at this time. We reserve the right to do so if, as of the close of a biling period, your outstanding Account balance exceeds your Account credit limit_ -See the Ovedimit Fee section of the Cardmember Agreement for details. - ---- ------- ------- n i * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments shoed be made immediately. 'Finance Charge Summary Average Doily Nominal ANNUAL ANNUAL Transaction Periodic Fee Da ily ? he PEra TAGE PERCENTAGE CENTAGE FRANCE FlNANLE a` . 3 R PE CHARGES CHARGES current billing period: 30 days Purchases $4096.79 0.07942% 28.99% F 28.99% $97.61 none Cash Advances $7530.41 0.07942% 28.99% F 28.99% $179.42 $0 The rates that apply to your Account are either fixed (F7 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) Lost or stolen cards. Report immediately. Call 1-800-347-2683. in m 9 n Wig Rights Summary. In Case or Errors or Ouestions About Your Bill: ll u think your bill is wrong, or it You need more information about a o transaction on your bill, write us on a se rate sheet of paper at Discover (ad; PD Box 30421, Salt Lake City, UT 64130.0421, 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 o doing so will not preserve your rights In your letter, give us the following information: Your name and Account number. 'The dollar amount of the suspected error. 'Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure abo L v You No not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts or your bill that are not in 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 pooO faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the or or services You have this protection only when the purchase price was more than $110 and the purchase was made in your home state or wr him 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and 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 ?our account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment 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 m?ke an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your pa nt and you will not receive your check back from your financial institution. The processing of your payment may be delWd d you send cash, correspondence or other Items with yyoour payment, tf you send the payment to any other address or if you use an envelope other than the one provided Payments received on or af(er 1 PM Monday through Friday or on a weekend or bank holicip 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 5103. Carol Stream. IL 60197-6103. 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 pa r minimum payrnent or a greater amount over the telephone, and you can set up automatic payymments Call us at 1-800.347-2683. You will need this statement anri your bank account information. You must ensure Nat sufficient funds are ava0able 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 signalwe, you will be agreeing to this aulharzation W allow us and yyoour lank to tleeucl each ppayment you aulhonze from your bank account, antl W initiate debit or credit entnes to your bank account, as appl'x:aWe to correct an error in the processmg of such payment You muri te0 us the ant of each payment or u can select an amount such as the Minimum Payment Due or the New Balance on yment however we must receive ndice at least three business days in advance of the scheduled payment You each stalement You can can-17 may notify us W phone al 1.8007-2683 or by mail at address listed m the previous paragpraph. If your paYm??ts may vary in amount we wdl tell you on each monthly statement when your payment will be matle and now much it will be Your Automatic payment amount may be less Than mdrealed on the monthly statement based on cretlrls or payments applletl during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed W nls, or other defaults on your account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting aggencies each month. aypy believe that our report is inaccurate or incomplete, please write us at the following address: Discover Classic Caro PU Box 15316. Wilmington-DE 19850.5316. Please Include your name, address, home telephone number and Account number. Periodic Finance Charles. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with. the tlafe the transaction occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised or either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing, statement on which the Vichase first appears by the Payment Due Date, and the Payments and Credits on that statement eCseaI or exceed your evious Balance. We call this the Vince pernod'..? ou do°nol`have a grace period a) balance transfers w cash advances Periodic Finance Charges are imposed on new ?..,r...... , r°.....w .... ..... °- °.. °° ° rerxrox: rmance charges are New Balance. However if you on this statement eaual or ext merwise, you will receive a wrong statemem next and Old Balances (which we refer to as transaction period x Daily Periodic Rate. (Refer. to the finance Finance Charges for each transaction category to as 0 if no Periodic Finance Charges apply to the we use the two-cycle average da balance (includingg new transactions) method of calculating the balance u n which we im Finance Chart This means it you did of pay the New Balance shown on the billin 11 statement you received durmppothe previous bill tuecPayy sent arc ?Pweo^ l I ppoossee Periodit Finance Charges on new purchases hat first appeared on that bilring statement as this p DilNng statement unless we already Imposed Periodic Finance haroes on the purchases on Your Di on rot late m are the to an in the fee rmance charges which are a? on this statement. we consider the For TDD (Teleeommunleatbm Device for the Deaf) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC New Balance Minimum Payment Due DISCOVER $12,101.75 $2,105,00 CARD Payment Due Data December 4, 2008 05 SDSNW1 0003612 MCLAIN, ROY C 5252 E TRINDLE RD MECHANICSBURG PA 17050-3526 Account Number ending in 9362 Enter Amount Enclosed Below $ 1 f9eas 1 make check payable to Discover Card. You areoverlimit. Pay the sum of the mardhly minimum payment plus the ovedimit amount of $2,601.75. Win your payment get to us on timer Poy your bill online and your payment can be made to your account on the same day. Visit Discover.aom/payments today. PO BOX 71084 111 1111111111 kit 111 1411 1 Is CHARLOTTE NC 28272-1084 Address, e•madortelephone changeePrint change inspace I11Inill111111111nnoI,ninlrnn1111nnnlnnlnnirnN??lnnEnnlrin?ll above, or go to Discover.corn. Print your e-mail address to receive important Account information and special offers. 000001986458271370625121017500000000210500 Discover More Card Account Summary dosing Dale: November 5, 2008 page 1 of 1 ,Accourd number ending in 9362 Payment Due Date December 4, 2008 Minimum Payment Due $2,105.00 Credit Umit $9,500.00 Credit Available $0.00 Cash Credit Limit $4,800.00 Cash Credit Available $0.00 Previous Balance $11,769.52 Payments And Credits 0.00 Purchases + 39.00 Cash Advances + 0.00 Balance Transfers + 0.00 Fboanoe Charges + 293.23 New Balance = $12,101.75 You may be able to avoid Periodic Finance Charges, see the reverse side For details. ;Cashback Bonus! Opening Cashbock Bonus Balance $ - 0.00 New Coshback Bonus Earned + 0.40 Cashbadc Bonus Bakmce $ 0.00 -;Cashbook Bonus9-Anniversory - - - - - - - - A. vaifable to Redeem.... - : - - - - - $ - - - - - - -0.00 ;Date: July 5 - How Can We Help You? 1. VisitDisco er eom b 6l for no cost, viewyaur latest Account informatiioon cam and redeem rewards and more 'It's your Choice - 3 ways to help 2. Cal I-BO ISCOVER (347-26831 for fast, easy self-service options or to speak with a Customer Service Account Manager ;Please lave your Discover Card available. 3. Write us at Discover Card, PO Box 30943, 'For TDD (assistance for homing impaired) see reverse side San fake City, UT 84130 Transacti ms $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dais Data 01her/1.11iseelaneeus Nov 5 Nov 5 LATE FEE $ 39,00 Information For You ;Your Account is overllmit. While we are permitted under the Cordmember Agreement to charge you an Ovi rlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the dose of a billing period, your outstanding :Account balance exceeds your Account credit limit. Seethe Ovwiimit Fee section of the Cardmember Agreement for details. -------- ------- ----------. ---------- -------------- ..- ----- .------------ {Finance Charge Summary Nominal Transaction Averse Daily ANNUAL ANNUAL Periodic Fee Dai Riodic ? AGE RA E FINANCE A E l 1 RRMES RG S l1MM CH C xurrermt billing period: 31 days 'Purchases $4195.82 0.07942% 28.99% F 28.99% $103.29 none Cash Advances $771.4.99 . 0.07942% 28.99% F 28.99% $189.94 $0 !The rates that apply to your Account are either fixed (F) or they may vary f 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 Canknember Agreement. Your Cardmember Agreement contains all the terms of your Account. o Z Lost or stolen cards. Report immediateyl Call 1-800-347-2683. m Buft Rights Strtwnary. In Case of Errors or Oueslions About Your Bill: If u think your bill Is wrong, or it you need more information about a o transaction on your bill, write us on a separate sheet of paper at Discover Lard; PO Box 30421, Salt Lake City, UT 84130.0421, 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 °o doing so win not preserve your rights. In your etter, give us the following information: o Your name and Account number. 'The dollar amount of the suspected error. •Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure w bbyl Youu 0 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 CredR 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 Me oblem with the merchant you my not have to ppaay the remaining amount due on the gods or services You have this protection only when the purchase price was more Than S50 and the puroliase was made in your home stale 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. 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 or account at the financial institution indicated on your check or to process the W nt as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the anfount 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 doryy we receive your payment and you will not receive your check, back from your financial institution. The processing of your paymbnl may De delayed i you send cash, correspondence or other items with your pa merit if send the payment to any other address or if you use an envelope other than the one provided. Payments received on or after 1 Pki Moniiay tnr.Sh 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 envelo pe send Yogr_payment to Discover Bank. PO Box 6103, Carol Stream, IL 60197.6103: Please allow 7.10 days for delivery. If your payment is returned unpaid; we reserve the rront to resubmit it as an electronic debit You can pa your minimum ymenl OF a greater amount over the telephone, and you can set up automatic payments Call us at 1-800-347-2683. You will need t its statement amid tour 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 those numbers as your electronio Into nature, you wig be agreeing to tMs aulhorizalion to allow us and your Wnk to deduct each aymenl you authorize from Yyoour Dank account and inttia a debit or cm dit entries to your bank account as applicable to correct an error in Phe processmg of such payment You must tog us the amount of each payment or you can select an amount such as the lAinimum Payment Due or the New Balance on each nalament You can cancel a WYmemt htwrever we mull receive nalce al lean LMee business days in advance of the scheduled payment. You may noUN us by phone at 1.800.347-3683 a by mail al address listed m the previous paragraph. If your payments may wry in amount we wdl tell you on each monthly statement when your payment win be made and how much it will e. Your Automatic payment amount may be less than ndicaled on the monthly at.. based on credits or payments applletl during the billing cycle. 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 m your credit report We normally re the status and payment history of your Account to credit reporting aggencres each month. If You bell that our report is inaccurate or intro te, please write us at the following address: Discover Classic Card, PQ Box 15316, Wilmington DE 19850-5316. Pkasd include your name, address, home telephone number and Account number. Periodic Fgtanee Chu gs. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances and balance transfers beginning with the do the transaction occurs until the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment Due Date, and the Payments and Credits on that statement e'Val or exceed your Previous Balance. We call this the "grace period". You do not have ,prate Defwd on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances bepinn with the date the transaction occurs. Periodic Finance Charges are imposed on al transactions and Old Balances until the date of repayment Repayment means payment of your entire New Balance. However if you pay the Npw Balance shown on this billing statement by the Payment Due Date, and Inc Payments and Credits shown on this statement edual or exceed the rievious Balance- we will not imnoee Periodic Finance Chames an new ri.-horses that is nurch.- firs r ore ra moms am; ueurrs on uns statement equal or exceed your rrevwus uaw,ee. tnnerwise, you will receive a baring statement next at Ind s Periodic Finirice Char es imposed until the date of repayment n te Periodic Finance Charges.e?ch day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction rs?by using the following equation: Average Daily Balance x number of days in the billi n period x Daily Periodic Rate. (Refer to the finance ummary on the front oRan our statement for these amounts) Then we adri all the Perio le Finance Charges for each transaction categgory [o total PEriedic Finance ges for Your Account The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply o the in a transaction category, se the two-cycle aver apa daily balance (inctudirtg new transactions) method of calculating the balance upon which we impose Periodic Charges This means R you did not pay the New Balance shown on the billing statement you received during the previous billing peftod by nenl DUe Date, we will Impose Periodic Finance Charges on new purchases Thal first appesled on that W ring statement as well as new rs that fire apppear on this billing statement unless we alreaOV imposed Periodic Finance Charges on the ppurchases on your previous billing I. We canputo the average, Dairy balance to each transabtion category, by adding up all the daily Wlances to a billing period for a on category and dwW the otal by the number of days in the billing cycle. We comthapute the daily balance for each transaction category dayy r adding the ollowinp to Ute previous da s daffy baance: Uansaclions made t itsV, tees charged that day antl Periodic finance acCru on the Wprevious Wys EatN baWnce; and Nen wblracitng any credits and payments gnat are a?plted against the balance of the DII category on lltat Da .. io cakufalinC Ne dairy Wlantt for the prevtous billing peried, We consider the previous days daffy balance" to m 0 on U1e fire WY of the bMino period. lances are FixcfudeE from rite balance of the purcham and cash atlwnce Uansaclion categories 5 cial rate balance transfers antl Balance Transaction Fee Finance Charges are rneiotled in the daffy balance transfer Uansaetion category. 8atance trans/ers that were sub(ect to an octal me that has been letmmated due to a Tate wvmenl or because You exceeded your Account credit Iimil are also mclutled m the All tees CnBrged w r ACCbgm are adbEO w me &U renase transaction LalegT y with the exeeptiOn of Cash Advance Transaction I Charges whim area to the cash advance transac n category and Balance ransfer Transaction Fee Finance Charges which are a balance transfer transaction categopryry Ira transaction made in a previous billing period is itemized on this statement we consider the date to be the first day of the eurrenl billing period when we calculate your Perodic Finance Charges. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. The Discover® Classic Card is issued by Discover Bank, Member FDIC. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities, that he is an attorney for the Plaintiff herein and makes this Verification based upon the facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintiffs Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth in this pleading, are true and correct to the best of his knowledge, information and belief. CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Amended Complaint has been served c by U.S. Mail, Postage Pre-Paid, on ay of a0i ), , 2009 upon the following: Michael Scherer, Esquire 19 West South Street Carlisle, 13A 17013 B) OF 4?? J ?? Ft ? p Ct ? C? S 3 "'t ?.. • t ? ? ? t 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No. 09-1290 CIVIL TERM VS. PRAECIPE FOR SUBSTITUTION OF VERIFICATION ROY C MCLAIN Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Lyndsay E. Rowland, Esquire PA I.D 205520 Weltman, Weinberg & Reis Co, L.P.A 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#7246737 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 09-1290 CIVIL TERM ROY C MCLAIN PRAECIPE FOR SUBSTITUTION OF VERIFICATION TO THE PROTHONOTARY: At the request off the undersigned attorneys for the plaintiff, ROY C MCLAIN you are directed to substitute the verification in the civil complaint in the above caption matter. WELTMAN, WEINBERG & REIS CO., L.P.A. By: Lsay E. R "land. Esquire- PAID 2055 Weltman, Weinberg & Reis Co, L.P.A 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR #7246737 Aur.,29. 2009 2:15PM No, 2259 VERIFICATION The undersigned does hereby verify subject enalties of 18 PA,C.S. §4904 relating to unsworn falsifications to authorities, that he/she is (Name) ACCOUNT MANAGER -of O FS 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 are true and correct to the best of his/her knowledge, information and belief. (Signature) WWR# 7246737 DFS# 601102130559362 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Praecipe For Substitution Of Verification has been served by U.S. Mail, Postage Pre-Paid, on t day of 2009 upon the following: Michael Scherer, Esquire 19 West South Street Carlisle, PA 17013 By: T? JA0j Ly say E. R and, Esquire 2009 MAY I ! Ph 2: 5 7 Pe ti«> a \I,?,? DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2009-1290 CIVIL TERM ROY C. MCLAIN, CIVIL ACTION-LAW Defendant PRAECIPE FOR WITHDRAW OF APPEARANCE TO THE PROTHONOTARY: Please withdraw my appearance on behalf of the Defendant, Roy C. McLain, in the above-captioned matter. O'BRIEN, BARIC & SCHERER Michfbdl A. cherer, Esquire I. D.# 61974 19 West South Street Carlisle, PA 17013 (717) 249-6873 PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Please enter my appearance on behalf of the Defendant, Roy C. McLain, in the above-captioned matter. McLain, pro se ast Trindle Road iicsburg, PA 17050 RLED-C? ?rl -11: 1 OF TffrlE PRc? FAAY 2009 JUN -4 PM 2: 2 6 WVNNSYLVMIA