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HomeMy WebLinkAbout09-8349l IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff NO 01- 0 3 7 '?CN,1 VS. IDA BARNHART Defendant COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07887250 C A Pit KMJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. IDA BARNHART Defendant Civil Action No COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, DISCOVER BANK is a corporation with offices at 6500 NEW ALBANY ROAD NEW ALBANY , OH 43054 . 2. Defendant is adult individual(s) residing at the address listed below: IDA BARNHART 71 MOONGALE DR CARLISLE, PA 17013 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX2268 . 4. Defendant made use of said credit card and has a current balance due of $8162.60 , as of September 10, 2009 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff . 6. Plaintiff is entitled to the addition of interest at the rate of 28.990% per annum on the unpaid balance from September 10, 2009 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit 111" and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 9. 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 , IDA BARNHART individually , in the amount of $8162.60 with interest at the rate of 28.990°% per annum from September 10, 2009 plus attorneys' fees of $125.00 , and costs. James Wa ro t,42524 4?TELT WEINBERG & REIS CO., L.P.A. 436 S v th Avenue, Suite 1400 Pitt u gh, PA 15219 (412 4-7955 FAX: 4 2-338-7130 078 7 50 C A Pit KMJ This law firm is a debt collector atte ing to collect this debt for our client and any information obtaine will be used for that purpose. DISCOVER CARD New Balance ;Minimum Payment Due ! Account Number ending in 2268 $8,162.60 $8,162.60 Enter Amount Enclosed Below Payment Due Date $1 -7 ? Octebw 17, 2009 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $1,674.00. 22 SDSN6A01 0004341 IDA BARNHART 71 MOONGALE DR CARLISLE PA 17013-2116 Address, e-mail or telephone change? Print change in space above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Discover.coen/payments today. PO BOX 6103 111111111111111111131111111 CAROL STREAM IL 60197-6103 hIlu11uu11111111111 11111111u1111111 Iu1111111111 1111 11111 000001986451439387268081626000000000816260 Discover More Card Account Summary Closing Dab: September 22, 2009 page 1 of 1 Account number ending in 2268 Previous Balance $8,162.60 Payment Due Date October 17, 2009 Payments And Credits 0.00 Minimum Payment Due $8,162.60 Purchases + 0.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance dwrges + 0.00 Cash Credit Available $0.00 New Balance ---W,162.66 Cashback DVnuse Opening Cashbock Bonus Balance $ 0.00 New Cashb ock Bonus This Period + 0.00 Cashbook Bonus Balance $ 0.00 Cashback Bonu3O Anniversary - Date: September 22 How Can We Help You? 1. Visit D w~-Cem to pap year bRl for no test, view rds and p latest Account information, earn and redeen rewar more It's your choice - 3 ways to help 2. Call 1-SMDISCOVER (347-2683) for last, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us al Discover Card, PO Box 30943, For TDD (assidance for hearing impaired) no reverse side Solt Lake City, UT 84130 Transactions $0 Fraud Lfabiffty Guarantee Use your Discover Card with confidence. Information For You Your Account is ovedimit. While we are permitted under the Cordmember Agreement to charge you an Owrlimit 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 Account balance exceeds your Account credit limit. See the Ovedimit Fee section of the Cardmenber Agreement for details Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PE1tCE?lUGE PERCENTAGE 1#iIJra FNUNCE Balances Rates _ RATES RATES CIfUM CHARGES current billing period: 22 days Purchases $O 0.07942% 28.99% F 28.99% $0 50 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 ---000 The rates that apply to your Account are either fixed p) or they may vary (V) as noted above w eei OMarsrptlon. If then is more than one page to this billing statement, see the back of each page for additional important information. Viper Calreel Aw A/aaereaL Your Cardmember Agreement contains all the terms of your Account cn air eileft mills. sRyeport immadfately! Call 1?0-847--o21u1e8. @I? ? ? _.? Ca ? you need Z bill 4 Lou wrr t Your w a .rtdtl; m u of gsewrCa a a?1nNVa re fi ?fid?l jai v+t0ichl j, or Lakoi p le 0 ppe red. Information aann teas lone g wr nama anLd IAaai num rl too b foilowl ? ne biderd ar amount of the suspected errs beifeve mere fs an errs. tf you need more Information, describe the Item you are unsure x e?salbe ine errarpaanvdaexplainh, if youauwn, cony you ga ?? va pa pa you stiwt? Whin le wee InVestl?ate young Questiai? we ac nnMa raeoppoirt youtias dennqutei tt 'a ake anydi on 1 tbinc?dlavcotumthee amount you question. bill that with are not in or se ave services. ? ode fhrdreles: It yp? havewttn fhe merchlannttne gmaivtynM Rave ti reriHlillr? No.unt due on an, ha Vted in?e rat teem d purcnaseoav yuu naue is Doty vdleri tfie Dpuu assp?e was more than 0 an the was made in r noneservices, state milesare e .w... r we rrrn or ooafate the nSerchant or in we mal ed you the advertisement for the a alal purchases covdred nlyVy4QVyir rt t send cash sendlno your check as t and hpe top eortlon of this state t ?n the ?vel p{ovided. D? Z us to use n on on r check oerma a an ectm c and trans or rpm your pcntrto at the nnanclal odiYauytnour k or the ent as a check transaction. h ant is processed as an el V sfer itunds ma?vn f r, the the amount the cW` When se Inforrmtion tram you cchdec you to ialiea Con your cnk back from your nnancial ur account as soon as the same day we receive your Paynien «?foilr t m be dei Ii u send cash, dens a Other items with yypouur payment if send the payment to v? oaymean en tha the one pr0videer. ants received on or otter 1 PM at cur sing facility Mlonday on a tl?aeiCe?rid air D?ik ndiell D?e postal t0 youff ACC nt as of the nett Jjuslness d? Ii Veu h Ivte ml?plapdef?tWli mtumo?e t to Dirlcootrr Bank, pox 6t03 lard,. tream, IL b0197- 103. Please allow 10 days very you paym ? the rieht m resubmit It as an elecVOnlc Debit -? _ ,_,__,___ __, ,_„ ,,,,,, ,?, „? ,,,t,,,,,nM Nvments GII us at 1-800.347.268: on the munmry ?r?e1 ?,,AW,etm?av re?murt Information about account to credit ubureau s. Late lsents, miissssedppCacypumenttss,qor other doerffault$ onnnwuur?n j u ""th?tl4u( ra ort i in rat or Jnconi?Alefe.?iease vlrfte user olloMnp adatlsess Dis .:, Card, PO Bdu 15n?6WilDimington ?. r name Tess. nano eon a number and Ctoun[ num as to thheTransaction , Date for the mI,riod n nIs ?Vhq Y-ours. ttatternen<t rand Mrs crvbdtne Dy-IDC ant uua wu: -? w...,,,. .._ ----- - rst apppri g on the current d ing statement call this a °grace part ere is no grace ce Charges of Sp,pl( a, a%:ill aT you at minimum FINANCE CHARGE of f.50 for any billing vppeerrioyd us din twhich Periodic Finan K. If racomeement when ihe0e feeislWll?bTde?n ? alnfee ilfnno it^r?funaade unlness vo0 noVty fAaAougn?t iso ee your Anctcodunt M- or the mailing a date M the statement or, which the fee is bWe - you wl receive this refu Sd even ts cl if you use your Card n too. Ppaieito C1ar?pe We sari your translgons into mu of Durchases' cash advances and balance transfers al then further sort the ns ydthln aacrt iqu by their Annual Percentage gate. a ekamda purchases sublect to a promo ch anal bi rate and purchases sub!eW to a rate would pa yrou We rcfar to the3a fou si? i cateoaI At the end of ach filling oerial, we canputE Oic Flnanx Cha eacrday of the billing pad?Vale= ach Vansacbon Category. We use the dlaving egGation to compute Pepriod!c? :harges for each nsaction category. Daily Balance) times (days in billing aperiod) utimes (Daily Periodic Rate) mreletrtaetoooootrrhyy?finance ooeet Q afaei??e Flna^Ce ChdarlloienSq statement for t ei?he Average Dally Ala ig show asdzerol if nbpecauseg W the grace s perlpo0fcFinailce Cn?arWO?tepas5lY qe balanu R a Vansaction Account e the A pcily Balirlux u In new transactla sl met?hotde?o? Ic lat)n the balance upooonn which we im a Periodic finance yye cotim?ihe live 1 Galan a to each Vans on bTll'rt a?ir?tt upLall the Nllyda llancesl in forllin0 trtransacction category ?0naycapy +a dividin the total by theprneuvimber M days 1e bfl ^ VVVVee polo ppa? e your sctsnca?se on t d atemQn 1 Vie t ansacUdon so meted to Wi dAa?cos unit t! a lose of thenWlji q oaedT obi I^ vRioi?ch ur Acc unt atoch t unless pos vo f !i t ?d an. II De to the daffy f>alarix as of the Tirst eraY analliag oerioh ssvu!iibc !u As Pus?r?frand payments Tee that arE a?tdI the wr ,? --Tnamec arrrruEtl on the previous days datlY. n_d b l : - - -. Q y y w.. . th. ura Ifnn nerud we mflider the I. TOO r7aleprmWrAC N I Orwka fair the DM1 111114 errce, pleesa call 1-800-847-7449. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he is James Ball (Name) Team Lead of DFS Services LLC , plaintiff herein, that (Title) (Company) he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. WWR# 7887250 Ida Barnhart '6011005176532268 7 j, r,L7 ARy i J" /Y L3 4 3 776 A# 1- 3 1/ -,/</S- ~~~~ PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and sutmitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argixnent Court_ CAPTION OF CASE (entire caption must be stated in frill) i~~scw~~r (?,~~. (Plaintiff) vs _ 7 ~a l~irn1'~o~~ (I~fendant) ~; }~~ -~ ~~ - - ~..,. -~ ..o r .-,. ~;., ,T,; No. ' ~ Civil ~j')'Y1 HI 1_ State matter to be argued (i_e., plaintiff's motion for new trial, defendant's daiurrer to complaint, etc_) ~Ou~~(1~,~`S lit O`h0`N ~ ~vtrn rv~ Y'-'~-(1~L 2. Identify counsel who wi11 argue case: _ (a) for plaintiff : ~~~ ~ rn I -~ ~-. ~l k~Q Y~ ~ S /~e, Aaaress: ,r~-toc~ ~ ~~ ~~~~ 1 ~l3(D"-l ~~~ Q~~~-~-~ ~ctt~r~l~ cat ~ ~~-~ ~ (b) for defendant _ ~ ~y-y ~ ~, A _ _~ Address . `c.•~'[ Y ~ ~ - moon.. a CQ ~r . 3. I wi11 notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: ~QCp,r^n ~~ `/ ~ ~ 1 ~C~ ~ ~, \ ~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 09-8349 vs. MOTION FOR SifMMARY JUDGMENT IDA BARNHART, FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire Pa. I.D.#93598 Weltman, Weinberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219: (412)434-7955 ;- ~~ ; _.. ~,~ ~ .~ ~~ .~... '. ° ~.. ,.~ - r~ ~.- ~~ ~ ~v ~;.. ~ ~ ~ ~ WWR No. 7887250 L,- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 09-8349 vs. MOTION FOR SUMMARY JUDGMENT IDA BARNHART, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $8162.60 with interest at the interest rate of 28.99% per annum from September 10 2009, Attorneys Fees of $125.00, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiffls Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around July 1 2010, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she has made no payment on the credit card since WWR No. 7887250 January 19 2009; that she applied for the credit card; that the statements attached to Plaintiff s Discovery Request con ectly identify the payments, charges, and balances on the account; that she has not submitted any written disputes as to billing inaccuracies; and that $8162.60 is a correct and accurate balance on the credit card account. 7. By way of her Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $8162.60 with interest at the legal interest rate of 28.99% per annum from September 10 2009, Attorneys Fees of $125.00, and costs. Respectfully Submitted: By: ~~ Benjamin er, Es ire Pa. I.D.#9 598 Weltman, e' erg & Reis, Co. 1400 Kopp uilding 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR No. 7887250 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: Q ~~ p~3,/~ CN~~ vs. IDA BARNHART COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07887250 C A Pit KMJ EXHIBIT .~ .__ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No IDA BARNHART Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You~are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP_ IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, DISCOVER BANK is a corporation with offices at 6500 NEW ALBANY ROAD NEW ALBANY , OH 43054 . 2. Defendant is adult individual(s) residing at the address listed below: IDA BARNHART 71 MOONGALE DR CARLISLE, PA 17013 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX2268 . 4. Defendant made use of said credit card and has a current balance due of $8162.60 as of September 10, 2009 _ 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff_ 6. Plaintiff is entitled to the addition of interest at the rate of 28.990% per annum on the unpaid balance from September 10, 2009 A copy of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. 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 IDA BARNHART ,individually in the amount of $8162.60 with interest at the rate of 28.990°s per annum from September 10, 2009 plus attorneys' fees of $125.00 and costs. James Wa ro t,42524 WELT WEINBERG & REIS CO., L.P.A. 436 S v th Avenue, Suite 1400 Pitt ugh, PA 15219 (412 4-7955 FAX: 4 2-338-7130 078 7 50 C A Pit KMJ This law firm is a debt collector atte ing to collect this debt for our client and any information obtaine will be used for that purpose. DISCf3VER iww Balonee ~ Mimmum Paymed Due ~ Account Number «dieg in 22ee 58,162.60 158,162.60 ' ErrMr Amount Encbsed Bebw c i a o ~Paymwd Dw Dar. ---' S ~ 0 Odebr 17, 2009 Please malre check to Discover Card. Minimum aui includes a past des omarrd 5 ,b74.00. 22 50.SN&W I OOW3/ t IDA 6ARMNART 71 MOOMBALE DR CARLISLE PA 17013-2116 Address, e.moN a te{eplwne dwnpe! Pr&d dwrge in span oboes, or Oo to Discover.com. Prid your .,nor1 address b rec.iw impatoM Accord inlormalion and special oNers. W J paymed g.r b us on fime7 Poy your bi/ onkns and your paynwnf can b. mad. to your occour6 on 1M same day. visit 09eeewncera/p~yrsseeee fodoy. PO EOX 6103 Iliruiiruuirinlrlrilul CAROL STREAM IL 60197-61 D3 Irlirrllrrrrrrlllrlrrirrr1,ilrr,rrllllrrrrrllrllrrr.rllrrirrll OODOD19864514393872680b1b2bODDD0000081626D Dixc~rsr Mora Card Aacounf Summary CJoeiesg oaA.: s.peeerb.r n, 2009 t~ 1 ~ 1 Account number endinO in 2268 Prevrow Balanc. 50,162.60 Poymed Des Dde t~ctober 17, 2009 Paymeds Ard CredN: - 0.00 Minimum Payment Dw 58,162.60 Purdwses + 0.00 CredBlimif 56,600.00 Carp Adwnces + 0.00 CredA AwilabM 50.00 8okma Trorafers + 0.00 t:adsGedielimk 50.00 Finerrcetlreryes __ +__ __ 0.00 Cosh Gedif Availd~b 50.00 Mew Balance SE,162.60 Cashhock Bonus' r~ Bab,. : °-0° Phw Cmlrbock Boma This Period + 0.00 Cwisbodc f5oaus fialanw 5 0.00 Cashbciek Bawse Anrrvwsary - - - - . 1ksM: Sept«nber 22 How Can We Hf;rip You? 1. visit olse.r...ww ro pay yeses b1 r.. e» ~.a, rri.w idese A«owi irrbrrwdian, .om and r.d.wn rwords and mar. N s r Choice - 3 Fo 2. Call iB00DISCOVER X347-26831 tar fad, .osy ae~servrc. ' you ways P1ww bare your Oiaeovrr Card available: 3. d 1]iseover Card, POPO Box 30942, ~~ Marogr Far TDD ~usidorrce for heorirg impaired? aw reserse side Sant takr. City, lA 84130 TranfaCflonS So Fraud uabirry GerarasN. Use yaw Dieearer Cord with wdid.rK.. Information For You Your Account is owdimit. Whit. rw are pemrilled umler dre Cordnwmber Agrwned b ehwg. you m Ovrkrrrie F+e, vre have drown nest to do to d Ifris lime. We aerew Are NOM to do so If, as of ~. doe. d a birirrO period, your ouls/andvrO Accowd ba6nc• wcc«ds your Accaed credie limit. See tlw Oved'enR FM section aF die Cardnrember Agreemed for dewik ~~ FinanCe Clwr~ge Summary ldorrrind Tramaetion Pf ~ IFACf e~riodk P ~B/FAGE PR F u R ~ ~ tarred biNing period: 22 days Pwchase: SD 0.07942% 28.99% f 28.99% 50 20 Cash Adwnces 50 0.07942% 28.99% f 28.99% 50 50 The rates did appy to your A«awd are .iAwr 8xd (F) a ~y nom' ~Y M as reseed oboes. rUrN Ielerprsllers. If Tere h man than one page Io 1MS Mpinp sutenrart 1N the bxk d each pope to addFUanal Important Ntermafion. year Car~aaehr A~ealeaR Yaa Ladrrreln6a Apreanerd eorpaMs all Te terms d yow Aabunt o ~ e1rM cads. Report Immedlatdy! f]II 1J00-uT-7N>f. jEla- jnypl~wrl rm b ~rgE~~r~«etii 6n 0 ~e~~s ~sxMlt you~~ lds[ PO ~ 31 l~~lmakemiW~4~0 1 ~ o lut >0 MN ~ e~.e our rgms. In yesxlener, qWe us 41Y faloMnp l~ ertos arq~mcpgif+, M you cyan. WrY )la+ Delkve there k in mos. n you need lea In~katK.dmnenaen. 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TMn is no pros psnoa an tanner tranars a cash rie wil [Rarpe you a mmlmum FINANCE C/R119E d >i 50 far any bl0lnp period M whkh Periodic Finance Cllarpa of I Ins Y„nVm~~ fee It w01 be tl0ed at tM peol d eeeh armNanay AeauM y open. The anouM d MM coon itre fee (s blllsd The annual Poe K ~We unless vo6~tlsri yW wlsh b dose yap A¢~ni l of Nf+:~ a _.r /M .^aIe!nlRt (n whkp Tr tee e~ °a wIC t T1s nNna etch tt you use yaul faN Oaly~Bapl~eynm) LmeOS fd~+ys in~61~NI1nppyp~eesbd> tlma (Daily PMoACnRa~lahav T"p~~ ^uMs a~uva~ee fsflm Ndudlne ~r~~ ~ d dldiptlna ~) Dapnoe~uo~al whkn we 6n.a#e Perloalr~ M~ance ~e Te Foe I whkh Chas Too fTaleeenraWeMerr DsNee tar she DpQ aubhsoe, pima cap t-coo-alT-TUB. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he is James Ball (Name) Team Lead of DFS Services LLC ,plaintiff herein, that (Title) (Company) he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. WWR# 7887250 Ida Barnhart '6011005176532268 ~: ,, Ida M. Barnhart 71 Moongale Drive Carlisle, PA 17013 State of ( Pennsylvania ), ( Cumberland bounty Cause/Case No. ( 09-8349 Discover Bank Plaintiff, ~ p o~~ vs. Ida M. Barnhart Defendant(s) Ida M. Barnhart ("Defendant"), hereby answers the complaint of Discover Bank ("Plaintiff) for it's self alone as follows and generally denies the allegations due to the complaint based on lack of information and belief. First Affirmative Defense "(Agreement to Arbitrate) The credit card agreement may state that disputes tray be resolved by binding arbitration. Defendant elects to have all disputes related to the credit card agreement resolved by binding arbitration" Second Affirmative Defense "(Amount in Dispute) The account balance claimed by plaintiff is not accurate and the tots! amount that is owed, if any, is in dispute." EXHIBIT `s k 3 Third Affirmative Defense "(Financial Hardship) Due to a serious financial crisis, defendant does not have sufficient funds to pay the full amount of the undisputed debt, if any. My family suffered a loss in wages, which forced us to live on one income. During that time, I had to utilize credit for necessities such as food After we were back to earning two wages, we had childcare expenses that we did not Gave before and took all of my husband's pay. I had to continue using credit for necessities anti fell finthet behind. I had tried to make payments to the best of my ability but I kept fatting behind I want to pay off my creditors. Because of this desire to pay them off, I have elected to use a debt settlemerrt company, Global Debt Management, to assist me with this. WHEREFORE, Ikfcndatrt requests that: 1. Plaintiff takes nothing by way of his complaint; and 2. For Defendant's costs of suit. Dated: Dec 23, 2009 Sigdature Ida M. Barnhart Printed Name Defendant in Pro Per r~l..C~ ~ is ~~i~~t~ ?DOS OEC 23 ~~ ICS ~~ ;,; Ctlr,~~~ ~ ;.. 1I~TY IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK, Plaintiff, v. NO.: 09-8349 IDA BARNHART, Defendant. PLAINTIFF'S FIRST REOUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director EXHIBIT C or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 7. In these Requests for Admissions: A. The word "person s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a erson s means to state the full name and present or last known address and business address of such erson s and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each ep rson who have possession, custody, and control of said document(sl. If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identi ", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identi each and every erson s participating in such an act; (3) identi all other erson s (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identi the erson s presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with ,any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS I Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in Plaintiffls Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION N0.2: The attached monthly statements, from December 19 2003 through September 22 2009, correctly identify the payments, charges, and balances on the account. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. REOUEST FOR ADMISSION NO. 3: The last payment on the account was made on January 19 2009. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. REQUEST FOR ADMISSION NO. 5: $8162.60 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. R PA D. 93598 W T N, WEINBERG & REIS COI.,L!P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-79555 WWR: 7887250 CERTIFICATE OF SERVICE A true and correct copy of Plaintiff s First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the `~~ day of ~ ~;~.~ , 2010, upon the following: Ida Barnhart 71 Moongale Dr Carlisle Pa 17013 DISCOVER` CARD YOUR DISCOVER® CARD ACCOUNT CARDMEMBER AGREEMENT Pages ~-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 in the "RighttoRejectArbitration" section at page 74. PRIVACY POLICY Pages 75-78 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 7 7. BILLING RIGHTS Pages 78-20 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 Discovery 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 ~ 2 Your Acceptance of this Agreement .. . Permitted Uses of Your Account...... . Prohibited Uses of Your Account ..... . Purchases and Cash Advances in Foreign Currencies ........................ . 3 Returned Discover Card Check Fee.... 10 3 Pay-By-Phone Fee ...................10 3 Research Fee ...................... 10 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 Defa u It 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 OverlimitFee ........................ 9 Returned Payment Fee .............. 9 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 wvith 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. "'hard" 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, retest 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 participatingautomatedtellermachines, 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 bands, 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 maybe 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 agovernment-mandated rate, agovernment- 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 4 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 the opportunityto make balancetransfers 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 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 us bytelephoning 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 fine. 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 wi{{ 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 balancetransferslncluding 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. Alf 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.lf 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 Bi{ling 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 automaticbilling establishedwith amerchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that 5 you verifythe merchant hasyour newAccount information. You must contactthe merchant directly if you do not wish to continue the automatic billing arrangement. How We Apply Payments. We wi() 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% ofthe 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, atourdiscretion, increaseyourMinimum 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 transfersandthenfurthersortthetransactions within each group bytheirAnnual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refertothesegroupsastransactioncategories. 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 mayrefertothefinancechargesummary 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 bitting period for a transaction category and dividing the total by the number of days in the billing cycle. We computethedailybalanceforeachtransaction 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 transactioncategoryonthatday.lncalculating 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 tothestandard purchasetransaction 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. Hovvever, 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 8 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 Ratethatapplyto eachtransaction 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 wilt 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 w'il) 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. We will 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 aPay-By-Phone Fee of $10 for each such transferor 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. Consequencesof Default. Ifyou 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 bylawand asactuallyincurred byus, including fees and costs inconnection -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 ordestroying everyCard and unused check that we have provided you. You can notify us by telephoning 1-S00-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 respectthe privacyof 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. OurCommunicationswithYou.Ourpersonnel may listen to or record telephone calls between you and our representatives without additional notice to you as permitted bylaw. We may use any medium, including but not limitedtomail,livetelephonecalls,automated telephone equipment, prerecorded tele- phone calls, a-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 a-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- portingfacts; 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 fo 12 arbifrafe. In the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, common law or equity} between you and us arising from or relating to your Account, any prior account you have had with us, your appl ication, 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 ARBITRATEANYCEAIMSASAREPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything elsetothecontrary 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, yvu 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) orthe 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 Cosfis. At your written request, we willadvanceanyarbitrationfiling,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 denovo. Unlessapplicablelawprovides 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 ~ 3 provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, DFS Services LLC), 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, UT 84130-0938. If you were previously subject to arbitratian 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 [NTERPRETATION 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 1S 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 awe 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 wil! 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. tf 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 fenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your a-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 effectFVely, as detailed below. We requirethesecompaniestoadhere 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 Personal Information with Others We may share the information we collect about you, as described in Section 1, with companiesthat perform supportor 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. Wherethird 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 Yau 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 wecol{ect aboutyou, asdescribed 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. !n 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 .faint 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 ~ $ 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 welt 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 'i-800-DISCOVER (1-800-347-2683} and authorize us to do so. Cali#ornia 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 partieswhileyouare aresident 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. 9. 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 appea-red. 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 fetter 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 far 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 lnsurance.* 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 BenefitAmountsbecomingpayable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limitofinsurancewiilbedividedproportionally among the Insured Persons, based on each applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one Accident, the Company`s liability for all such losses will be limited to a maximum limit of insurance equal to 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 bychance, and includes unavoidable exposure to elements arising from a covered Hazard. Accidental Bodily Injury(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 ar- Account. Card means the Discover Card. Cardmember means the holder of the Card 20 whose name appears on the credit card. Com an 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 vvho are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanentlymental lyorphysicallychal lenged, 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 medics( 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 United5tatesgovernmentandtheappropriate 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 ur}avoidable 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 eligibleCardmember.Yourinsurancecoverage 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 notapplyto passengerswhotemporarily 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 shouldsendtheCompanyawrittendescription 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 veil) 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. ff 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: CHUBS 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. Excess Collision DamageWaiverisaninsurance 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. Com an 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 automobi{e rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means afour-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 LosslDamage Waiver offered by the vehicle Rental Agency. • You must rent the vehicle in your own name and sign the vehicle rental agreement/ 24 contract. • The coverage period will not exceed 31 consecutive days, or 45 consecutive days if thelnsured isanemployeeofanorganization 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 liabilitywill befora maximum reimbursement of $25,000. In no event will the Company be liable beyond the amounts actually paid by the Insured or the Renta) 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; recreationalvehicles,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: Totheextentthatthisptan 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 NAVE 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: •Acopy of the Account statement showing the automobile rental transaction. •Acopy of the automobile rental agreement. •Acopy of the police report. •Acopy of the initial claim report submitted to the automobile Rental Agency. •Acopy 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 carriers}. • 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 wilt 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. 1~llisrepresentation 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, whethe r before or after a loss, the Pol icyholder or its subscribing organizations} 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 organizations} 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, itsemployeesor representatives in connection with the investigation of any loss or claim twill 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 wilt 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 Company orthe Insured may make a written demand for arbitration. fn that case, the Company and the Insured vvill 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 (earn more. Eligibility. You must be a Cardmember whose Accountisingoodstanding,theCardmember's spouse or dependent child traveling with the Cardmember or an Authorized User of an Account in good standing, Third-Party Charges. GlobalTraveier's Hotline is not insurance, so you will be responsible for ail third-party fees and expenses for services requested, such as professional or medical fees. Avai{ability of Services. Certain services may not be available in all areas. Call us at 1-8Q0- 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 _...-- ~"`r~~~ ~K $6,874.00 > ~;~( 19 SOSN6A01 0003113 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 .............. . ..r.,....n ~.~oI n~wviu iVUniDer Bnaing In L10a $138.00 -,1 Enter Amount Enclosed Below Payment Due Date January 18, 2004 please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wrath password- protected statements only you can access. Learn more at discover.comipaperless. Po BOX 71084 Illurllururlllrlrrlln~l CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeZ Print change in space ~~~~~~{i~~~~~~~~~~~~~~~{~{~~~111I~~i~ri~rr~i~~~r~~rr~i~~~{i~l{ above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. 00000198645143938726806874DDD00000000138DD Discover Platinum Card Account Summary Closing Date: December 19, 2003 page 1 of 2 Account number ending in 22b8 Payment Due Date January 18, 2004 Minimum Payment Due $138.00 Credit limit $7,900.00 Credit Available $1,026.00 Cash Credit Limit $4,000.00 Cash Credit Available $1,026.00 Previous Balance $0.00 Payments And. Credits 0.00 Purchases + 0.00 Cash Advances- + 0.00 Balance Transfers + 6,800.00 Finance Char~ss 74_00 + _ _ __ New Balance _ $6,874.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Sonus This Period + 0.00 Cashback Bonus® Anniversary Month: September Cashback Bonus Balance 0.00 Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hefp You? 1 • Visit Discovsr.com to pay your bbl for no cost, view your latest Account information, earn and redeem rewards and more s to hel our choice - 3 wa It's 2. Call 1•SOO-DISCOVER (347-2683) for Fast, easy selFservice p y y options or to speak with a Customer Service Account Manager Please have your Discover Card available, 3. Write us at Discover Card, PO Box 30443, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions SO Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Balance Transfers Dec 10 Dec 10 SEARS NATIONAL BA XXXXXXXXXXXX1869 TS OH $ 6,000.00 Dec 10 -Dec 10 BAL-TRANS TRANSACTION FEE FINANCE CHARGE - SO.W APR 0.00% EXPIRES Ob/2004 Dec l0 Dec 10 CAPITAL ONE XXXXXXXXXXXX4457 TI VA 800.00 Dec 10 Dec 10 BAL TRANS TRANSACTION FEE FINANCE CHARGE 24.00 APR 0.00% EXPIRES 0612004 Information For You No payments. No penalties. No problem. Discover(R) AceountGuard(R) gives you the ability to put your payments and periodic finance chorges on hold if you lose your job, take a leave of absence, become disabled, hospitalized, get married, divorced, give birth, adopt a child, or move. Call 1-877-883-1959 to enroll) * * * * * Your purchase of AccountGuard is optional. Whether or not you purchase AccountGuard 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 AccountGuard 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 explanation of the terms of AecountGuarr. Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. u Nuys w .~.~ .~ ~~ n DisC~^tV~R,~ ( Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon os it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone, • Print a paper copy of your statement anytime. Sign up today at DI5COVeGC011il~CI~!@rI@55 ;' R ~~ ~ ~` ~~ sZ c" 02009 Dis.:cwer bank, Member FDIC Closing Date: December 19, 2003 page 2 of 2 Simplify and Save with three easy ways to transfer balances to your Discover(R} Card. Call 1-800-7b7-7339 to see iF a Balance Transfer offer is available for you, go to Discovercard.com, or look for Balance Transfer checks in the mail. Through the efforts of our Cardmembers, Discover Financial Services has donated over $14 million to the Make-A-Wish Foundation(R) to make dreams come true for thousands of children with life-Threatening medical conditions. To share the power of a wish(R) and donate your Cashback Bonus(R) award, please visit Discovercard.com or www.wish.org. As a Discover(R) Cardmember, you can get cash quickly and easily -just about anytime, anywhere. To find the nearest cash locations, select your P.I.N., or to order Discover Card Convenience Checks, call 1.800.DISCOVER (1-800.347-2683). And don't forget fo visit us at Discovercard.com where you can also search for cash locations nearest you. For a list of our great Cashback Bonus(R) Partners, login to the Account Center at Discovercard.com or call us at 1-877-YOUR-AWARD (1-877-9b8.7292). Go paperlessl Elect to stop receiving your Discover(R) 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. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.030119'° 10.99q° V 10.99% $0 $0 Cash Advances $0 0.054779'° 19.99% F 19.99q° $0 $0 Balance Transfers $2291.32 0.0000090 0.009'° F 13.059'° $0 $74.00 previous billing period: 31 days Purchases $0 0,030119'° 10.999'° V 10.99% $0 none The.rates that apply to your~AYccount qre either fixed, (F) or they may vary (V} ca n®ted abmve. QUeStiOnS? Manage your account at Discover.com or __.II 7 enn n~rnw~n r~ nnn n ... SJIJt.`~~x~'' V CPC 56,984.75 19 SDSN6A01 0003114 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ._....... _... ..r.~...w .,.,~ ~bl.VUlll Ivumner enamg m L[oo $140.00 ` Enter Amount Enclosed Below Payment Due Date $ l i-^~ February 18, 2004 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.corrUpaperless. PO BOX 71084 Illu~llrnnrlll~lnlln~l CHARLOTTE NC 28272-1084 Address, e-mail or telephone changey Print change in space I~~~~II~~I~~~I~II~~~I~~IrI~~~llll~~i'r~1~~,~~11~~1~~I~r1~1~~I1 above, or go to Discover.com. Print your email address to receive important Account information and special offers. ODOOD19864514393872680698475D015D000014000 .,~ Discover Platinum Card Account Summary Closing Date: January 19, 2004 page 1 of 2 Account number ending in 2268 Previous Balance $6,874.00 Payment Due Data February 18, 2004 Payments And Credits - 150.00 Minimum Payment Due $140.00 Purchases + 259,11 Credit limit $7,900.00 Cash Advances + 0.00 Credit Available $915.00 Balance Transfers + 0.00 Cash Credit Limit $4,000.00 Financs Charges + l .b4 Cash Credit Available $915.00 _ New Balance $6,984.75 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 This Period + 0.65 Everywhere Else + 0.00 Cashback Bonus® Anniversary Month: September Cashback Bonus Balance $ O.b5 Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center nt Discovercard.com. How Can We Hel YOU? P 1 • Visit Diacover.com to pay your 671 fer no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side SaN take City, UT $4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Jan 4 Jan 4 PAYMENT -THANK YOU $ -150.00 iNerchdndiss/Retail Dec 30 Dec 30 BLINDS TO GO #277 MECHANICSBURGPA 259,11 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. 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, get married, divorced, give birth, adopt a chid, or move. Call 1.877.883-1959 to enrolll * * * * * Your purchase of AccountGuard is optional. Whether or not you purchase AccountGuard will not afFeci your application fur credit or the other terms of any existing credit agreement you have with us, Additional Disclosures. We will give you AccountGuard 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 explanation of the terms of AccountGuard. Lock Your CD Rate Today! Move fast to lock in your CD rate with Discover Bank's Fast, free and secure Electronic Deaositl It's the easv. safe wav to nrlrl hl„a~ r•~ ~ ..•-~~••~__ n:_ _ _.._ -- ~ p ~~,r ~~ t~r~ ~~ V mo~~r.., , ~ ~ ~ I p~SC~ ~vER• , Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password•protected statements that only you can access. • Access up to 24 months of down{oadable, printable statements. • See your statement as soon as it's available rattier than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ._ _ ~ Sign up today at Discovercom/paperless R` i ~~tTS fk ~ .., X ~frn +~~ tF2009 Discover bank, Member FDIC Closing Date: January 19, 2004 page 2 of 2 Simplify and Save with three easy ways to transfer balances to your Discover(R) Card. Call 1-800.767-7339 to see if a Balance Transfer offer is available For you, go to Discovercard.com, or look For Balance Transfer checks in the mail. Through the efforts of our Cardmembers, Discover Financial Services has donated over $14 million to the Make-A-Wish Foundation(R) to make dreams come true for thousands of children with life-threatening medical conditions. To share the power of a wish(R) and donate your Cashback Bonus(R) award, please visit Discovercard.com or www.wish.org. As a Discover(R) Cardmember, you can gat cash quickly and easily -just about anytime, anywhere. To find the nearest cash locations, select your P.I.N., or to order Discover Card Convenience 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. For a list of our great Cashback Bonus(R) Partners, login to the Account Center at Discovercard.com or call us at 1.877-YOUR-AWARD (1-877-968-7292). Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $176.06 0.0301 1 % 10.9996 V 10.99% $1.64 $0 Cash Advances $0 0.0547790 19,99'6 F 19.99% $0 $0 Balance Transfers $6796.57 0.000009e 0.0090 F 0.0096 $0 $0 previous billing period: 34 days Purchases $0 0.03011% 10.99% V 10.9996 $0 none The rates that orl ~ Yovr Actounf on either fixed (F) or they may vary (V) ms not+szl above. QUeStlOnS? Manage your account at Discover.com or Vt~,A`,•:;;, V ~K $7,227.57 19 SDSN6A01 0003115 BARNNART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 .......... _.... _~~.~..•~. ...... ,--...wv,,, ,v~n,ver ouuniy m LLOo $145.00 ~~ Enter Amount Enclosed Below Payment Due Date $ March 1$, 2004 please make check paYable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~'s'~~"""{~~'~"~~"'~ CHARLOTTE NC 28272-1084 Address, a-moil or telephone changei! Print change in space '~r~r~) rr~rii~r~~irr~rr~r~rii~~~~rrr~rr~rr~~r~~rr~rr~rr~r~rr~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OOOOD1986451439387268072275?OD150DD00145D0 Discover Platinum Card Account Summary Closing Dote: February 14, 2004 page 1 of 2 Account number ending in 2268 Previous Balance $6,984.75 Payment Due Date March 18, 2004 Payments And Credits - 150.00 Minimum Payment Due $145.00 Purchases + 0.00 Credit Limit $7,900.00 Cash Advances + 0.00 Credit Available $672.00 Balance Transfers + 379.00 Cash Credit Limii $4,000.00 Finance Char~ss_^, __ i __ _+ 13.82 Cash Credit Available $672.00 New Balance _ $7,227.57 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.65 New Cashback Bonus This Period ± ~.QQ Cashback Bonus Balance $ 0.65 Cashback Bonus® Anniversary Month: September Keep using your Discover(R] Card and watch your Cashback Bonus{R] award growl Remember, once yyour Cashback Bonus award is at least $20, you can redeem your sword by calling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1. Visit Discover.com to pay your 671 for no cost, view your latest Account information, earn and redeem rewards and more {t's your choice - 3 ways to help 2• Call 1.800•DISCOVER (347-2683] for fast, easy selFservice Please have our Discover Card available. options or to speak with a Customer Service Account Manager Y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 19 Feb 19 PAYMENT -THANK YOU $ -150.00 Balance Transfers Feb 1 1 Feb 11 BALANCE TRANSFER CHECK 0386 379.00 Feb 1 1 Feb 11 BAL TRANS TRANSACTION FEE FINANCE CHARGE 11,37 APR 0.009a EXPIRES 06/2004 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. Simplify and save with three easy ways to transfer balances to your Discover{R] Card. Call 1-877.353-0989 to see if a Balance Transfer offer is available For you, go to Discovercard.com or look for Balance Transfer checks in the mail. lock Your CD Rate Todayl Move fast to {ock your Certificate of Deposit interest rate with Discover(R] Bank's fast, Free and secure CD Electronic Depositl it's the easy, safe way to add funds to a maturing Discover CD or fund a new CD directly from your bank account. Just call 1.800-347-7000 and mention code: SC0204PC. Member FDIC. Get orgnnized with paPerless statements. Start receiving your Discover{R) Card statement exclusively online) No more wnrriae ntrn~d ...J.J...J .. ..w-- I__a .. - ITC. ~.~Y ItI't r. N„r> ~„ ,,,,,, ,,,,, , , ~~~~ ~,~~~• ~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloada6le, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ' Sign up today at Discovercom/paperless , ~r . _.- :, X2009 Discover bank, Member FDIC Closing Date: February 19~ 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 line! Just toll 1-800.347-5537 or visit Discovercard.com today. The Account Center at Discovercard.com makes your life easy. You can pay your Discover(R) Card bill, view your statement, sign up for e-mail newsleRers and Account reminders -all this for Freel Log in to the Account Center at Discovercard.com and enjoy the benefits of easy access to your Account...anytimel Discover(RI Financial Services is proud to support Communities In Schools (CIS), fhe nation's leading community-based organization that helps kids succeed in school and prepare for life. By donating your Cashback Bonus(R) award to CIS, you can help make a difference in the lives of young people. To learn more, please visit Discovercard.com. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES C RGES CHARGES current billing period: 31 days Purchases $261.93 0.030119'° 10.99"% V 10.44% $2.45 $0 Cash Advances $0 0.05477% 19.999'° F 19,99% $0 $0 Balance Transfers $6832.49 0.000009b 0.009'° F 1.999'° $0 $11.37 The rates that apply to your Account ore either fixed (FI or they may vary (VI as noted above. .. ~.. r_ QU@St10nS? Manage your account at Discover.com or ~~ LJ6JC.~?V CK .. _ _.._...__ .........._......~......~, .,..., .~,......~~~~ ,~unwm e,~VU~y ui ccva $7,029.87 I 5141.00 I Enter Amount Enclosed Below Payment Dve Date April 18, 2004 please make check payable to Discover Platinum Card or pay online ~ Diseovercard.eom. 19 SDSN6A01 D003116 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17D13-2116 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Ilirrrll~rr~~rlllrlrrllrr~l CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space I~II~II~~II~~'~III~~II~III~~~IIII~I~IIII~~I~I)I~II~~'III~I~~II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019864514393872680702987002000D007,410D i Discover Platinum Card Account Summary Closing Date: March l9, 2004 page 1 of 2 Account number ending in 2268 Previous Balance $7,227.57 Payment Due Date April 18, 2004 Payments And Credits 200.00 Minimum Payment Due $141.00 Purchases + 0.00 Credit Limit $7,900.00 Cash Advances + 0.00 Credit Available $870.00 Balance Transfers + 0.00 Cash Credit Limit $4,000.00 Financs Char~es_ _ _,_ __ + 2.30 Cash Credit Available $870.00 New Balance $7,029.87 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.65 New Cashback Bonus This Period + 0.00 Cashback Bonuse® Anniversary Month: September Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. Cashback Bonus Balance 0.65 How Can We Hel YOU? 1 • Visit Discowr.com to pay your bill for no coat, view our P latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Mar 17 Mar 17 PAYMENT -THANK YOU $ -200.00 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award Balance Transfer offer for current billing period; Daily Periodic Rafe: 0.021645'0; corresponding ANNUAL PERCENTAGE RATE: 7.903'e. Rate is subject to the terms of the offer including expiration. Did you know that millions of credit cards are bst or stolen every yearB 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. 70% of credit reports contain at least one mistake (Consumer Reports, January 2001 f . Enroll in optional ProfileProted(R), and we will send your credit report, monitor your credit file For changes every business day, and send you Quarterly Credit Updates -tools to help protect yourself kom identity then. Call 1•i77.737.1936 to onroll. CALL FOR EXCITING NEW BALANCE TRANSFER RATESI Save money and simplify your IiFe by consolidating your debt. x`..117 G77 oco nnoc ._.~...... •r i~Ji~1~. ~,~V t!t I I^r ~,ayS 70 Unni V~Ini~~, IVn l urs ~.~"Cp' I Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password•protected statements that only you can access. • Access up to 24 months of downloadab{e, printable statements. • See your stotement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone, • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless `' ~z{~ , .=,,.rwi~.. w..y. - - - - ©2009 Dixover bank, Member FDIC Closing Date: March 19, 2004 page 2 of 2 For a list of our great Cashback Bonus(R) Partners, login to the Account Canter at Discovercard.com or call us at 1-877-YOUR-AWARD (1.877-968.7292). Go paperless! 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 ovailable online and a printable version of your statement for your records. Visit the Account Center of Discovercard.com to enroll. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $264.32 0.030119; 10.9990 V 10.993'° $2.30 $0 Cash Advances $0 0.05477% 19.99% F 19.993'0 $0 $0 Balance Transfers $6943.67 0.000003'0 0.003e F 0.003'0 $0 $0 The rata that apply to your AiCrqunt an either Fixed (F) or they may vary (Y) as Hated above. QU@St1onS? Manage your account at Discover.com or ~, .._.. __._..__ , .,,..,,, , ,.,,,, .,,,a y y ..~,~ r,~~uulli ivulliuel CIIUIII Ill LLUO ~f„rt`~ifr" v ~Y\ $-68.46 $0,00 ~ Enter Amount Enclosed Below Payment Due Date May 18, 2004 Your account has a credit balance. No payment is due. 19 SDSN6A01 0003117 BARNHART, IDA Go paperless and make your account information more secure wdh password- 71 MOON 6A L E D R rotected statements only you can access. CARLISLE PA 17 013 - 2116 earn more at discover,comlpaperiess. PO BOX 71084 Ill~rrllr~rr~~lll~l~~llrrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space I~~lill~~l~i~lill~iili~llli~illl~ii~lliliil~lll~ili~llililiil above, or go to Discover.com. Print your email address to receive important Account information and special offers. 0000019864514393872680000000072270000000D0 Discover Platinum Card Account Summary Closing Date: April 19, 2004 page 1 of 2 Account number ending in 2268 Payment Due Date May 18, 2004 Minimum Payment Due $0.00 Credit Limit $7,900.00 Credit Available $7,900.00 Cash Credit Limit $4,000.00 Cash Credit Available .$4,000.00 Previous Balance $7,029.87 Payments And Credits - 7,227.00 Purchases + 127.41 Cash Advances + 0.00 Balance Transfers + O,QO Finance Charges + 1.26 - New Balance = $-68,46 Your account has a credit balance. No payment is due. Cashback Bonus® Opening Cashback Bonus Balance $ 0.65 New Cashback Bonus This Period Cashback Bonus® Anniversary Month: September + 0.32 Everywhere Else + O,OQ Cashback Bonus Balance $ 0.47 Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel YOU? 1 • Visit Discowr.com to pay your bill kr no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347.2683} for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dais Payments and Credits Apr 5 Apr 5 PAYMENT -THANK YOU $ .7,4Y7,00 Merchandise/Retail Mar 23 Mar 23 OFFICEMAX 746 CARLISIE PA 18,61 Mar 26 Mar 26 OFFICEMAX 704 DALRAN NJ 84,79 GasJAutomotiw Mar 30 Mar 30 HESS EXPRESS CARLISLE PA 24.01 Information For You Please Hate, the Traditional Cashback Bonus nward is now called the Purchase Cashback Bonus award. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02164°!0; corresponding ANNUAL PERCENTAGE RATE: 7.90%. Rafe is subject to the terms of the offer including expiration. FREE Additional Cards allow you to share your credit line without sharing your card) Request FREE Additional Cards For your spouse, college student, or anyone close to you. You'll get a lot more out of your credit line) Just call 1.800.347.5537 or visit Discovercard.com today. As a Discover(R) Cardmember, you can get cash quickly and easily -just about anytime, anywhere. To Find the nearest cash ~......~~.,... .-,L...a.,...- o l AI __ _...i. ~ .. . u Nuys w ,~.~ „ ~ .~.. , ., DISC~W:~1/ER~ I Account number ending in 22b8 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. * Access up to 24 months of downioadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. !' Sign up today at Discover.com/paperless ' R; .¢: 1.2009 Ui,cover bank, AMmber FDIC Closing Date: April 19, 2004 page 2 of 2 Get up to 1090 back on groceries with your Discover(R) Card. Plus, receive a Cashback Bonus{R) award on your other purchases. Sign up toddy-call 1-800.475.9161 or visit Discovercard.com. This offer only lasts through June. GIFT SHOPPING MADE EASY. Discover(R) Gift Cards simplify gift giving For Spring holidays and events. Order now at Discovergiftcard.com. See terms and conditions for gift card purchases. Fees apply. Offer not valid to residents of CT, DC, MA, ME and NH. lock Your CD Rate Today! Move fast to lock your Certificate of Deposit interest rate with Discover(R) Bank's fast, Free and secure CD Electronic Deposits It's the easy, safe 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 Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ala c s Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $134.64 0.0301 1 ~a 10.949e V 10.9990 $1.26 $0 Cash Advances $0 0.054779'0 19.999e F 19.9990 $0 $0 Balance Transfers $3491.28 0.000009'0 0.00% F 0.009', $0 $0 The rates that appl to wyAccount an either fixed (F) or they may vary (V) as noted above. QU@St1onS? Manage your account at Discover.com or ......_.... _~..._. ~.... , ,...................o. onumy ui awu ~~~~r~s' V ~K 50.00 ~ $0,00 !~ Enter Amount Enclosed Below Payment Due Dote $ ~-~ Juna 18, 2004 19 SOSN6A01 0003158 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Address, e-mail or telephone changes Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71684 111"'11"""II1'{"II"'I CHARLOTTE NC 28272-1084 Irrlr~l~rlrrrl~ll~rrlrrl~lrrrllllrr~lrrlr~lrrllr,I„Irrlrlrrll ODDOD1986451439387268000000DDDODDOOODOODDO Discover Platinum Card Account Summary Closing Date: May 14, 2004 page 1 of 1 Account number ending in 2268 Previous Balance $•68.46 Payment Due Date Juna 18, 2004 Payments And Credits - 0.00 Minimum Payment Due $0.00 Purchases + 68.46 Credit Limit $7,900.00 Cash Advances + 0.00 Credit Available $7,900.00 Balance Transfers + 0.00 Cash Credit Limit $4,000.00 Finance Charges __________~_ + 0:00 Cash Credit Available $4,000.00 New [3alance $0.00 Cashbatk Bonus°D Opening Cashback Bonus Balonce $ 0.97 New Cashback Bonvs This Period + 0.00 Cashback Bonus Balance $ 0.97 Cashback Bonus® Anniversary Month: September How Can We Help You? 1 • Visit Discover.cero to pay your bRf for no cost, 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, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30443, For TDD (assistance for hearing impaired) see reverse side Salf Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous May 19 May 19 CREDIT BALANCE REFUND (SALE TYPE) $ 68.46 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARG S CHARGES current billing period: 30 days Purchases $0 0.030119'° 10.999'° V 10.9990 $0 $0 Cash Advances $0 0.05477°i° 19.999'° F 19.999'0 $0 $0 Balance Transfers $0 0.000009'° 0.009'° F 0.009'° $0 $0 previous billing period: 31 days Purchases $0 0.030119'° 10.999'° V 10.99°'° $0 none The rates that apply to your Account are either fixed (F) or they may vory (V) os noted above. ~~g`r~~~~~ $172.21....,.a 19 SDSN6A01 0003119 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 uyino,,, ~~d r~~c~un, ivumuer nnamg in ttoo $10.00 ~ ~ Enter Amount Enclosed Below Payment Due Date $ July i8, 2004 Please make check payable to Discover Platinum Card or pay online ~ Discovercard,com. Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discover.corrilpaperless. PO BOX 71084 Illnrllrr~url{I.Irr{lu~l CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print change in space '~il~(f~~I~~~~~(~~~~~~~~~{rig'~~{~~~~ii~~~~i~~~ii~~i~~~~i~ri~{ above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986451439387268001722100000000001000 Discover Platinum Card Account Summary Closing Date: June 19, 2004 page 1 of 2 Account number ending in 22b8 Previous Balance $O.pO Payment Due Date July 18, 2004 Payments And Credits - 0.00 Minimum Payment Dve $10.00 Purchases + 172.21 Credit Limit $7,900.00 Cash Advances + 0.00 Credit Available $7,727.00 Balance Transfers + 0.00 Cash Credit Limit $4,000.00 Finan<s Charges ___ _ _ _____ _ __ _ _ _~±_,___ _ 0.00 Cash Credit Available $4,000.00 ------ New Balance = $172.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.97 New Cashback Bonus This Period + 0.43 Everywhere Else + 0.00 Coshback Bonuses Anniversary Cashback Bonus Balance $ 1.40 Month: September Keep using your Discover(R} Card and watch d ! grow your Cashback Bonus(R} awar Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. 1. Visit Discover.com to pay your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2b83} for Fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30443, For TDD (assistance For hearing impaired} see reverse side Salf Lake City, UT 84130 jransactions $0 Fraud Liabi{ity Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail !un 14 Jun i 4 WALMRT SUPERCN7 002574 CARLISLE PA $ 172.21 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. Call 1-877-353-0985 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! Congratulations to the 2004 National Discover(R} Card Tribute Award(R) Scholarship winners: April Alvarez, Vladimir Dubovskiy, Ji Guo,lamie Hargrove, Kristian Henderson, Yuji Huang, Jessica Mann, Brian Monahan and Holly Walker. Each won $27,500 for post high-school education or training. Visit Diseovercard.com/tribute.htm to learn more, Did you know that millions of credit cards are lost or stolen every year2 Enjoy peace of mind by knowing The Register(Rl ..._ t"'laio niviini~i, wn rs~ Account number ending in 2268 Get added security with no paper fret{ Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadab{e, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Prink a paper copy of your statement anytime. ~~ ''` Sign up today at ~'' Discovercom jpaperless 4, y. ~'~ .. ~'n,2009 Dixover bank, Member FDIC Closing Date: June 19, 2004 page 2 of 2 Save 10% with Discover(R) Card at Comfort Inn(R), Comfort Suites(R), Quality(R), Sleep Inn(R), Clarion(R), Mainstay Suites(R), Econo Lodge(R( and Rodeway Inn(R) by 12/31 /04. Call 800-4CHOICE and use 00801242 or click the Special Rate link at choicehotels.com. Restrictions apply. Cannot combine with other offers. Advance reservations required. Identity theft complaints to the FTC increased 33%; from 161,836 complaints in 2002 to 21 d,905 in 2003 (Federal Trade Commission,lan. 2004). Enrol{ in optional ProfileProtect(R) 8 we will send you a copy of your credit report & monitor your credit file every business day -tools to help protect you from ID theft. Cal! 1-866-708.Ob72 to enroll. Lock Your CD Rate Today) Move Post to lock your Certificate of Deposit interest rate with Discover(R) Bank's fast and secure CD Electronic Deposit) 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.com. Mention code SC0604P when you open your CD. Member FDIC. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03011 % 10.99% V 10.993`° $0 $0 Cash Advances $0 0.05477% 19.999`° F 19.99% $0 $0 Balance Transfers $0 0.00000°0 0.00% F 0.00% $0 $0 previous billing period: 30 days Purchases $0 0.030119', 10.999'° V 10.999`° $0 none Tfr ®~~th~t_4RRl]E ~ItJGAIrr, ~.~Vlpl>I<Mn ~ith~r fixed (F) er thray rntly vtlry (`d) tls noted above. QUeStlOnS? Manage your account at Discover.com or __II ~ enn n~~nw~.. r+ ~B~~F~~V~~ $355.51.,,,.. 19 SDSN6A01 0003120 BARNHART, IDA 71 MOON6ALE DR CARLISLE PA 17013-2116 ,,,,,,,,,,,,,,, ,,.r,,,o,.~ ,.,.o ~,.,....,.,,~ ~,,,~,,..o, o,,,.,„y ~~~ ..~.... $10.00 ~ Enter Amount Enclosed Below Payment Due Date $ August 18, 2004 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illrrill"""111'lrrllrrrl CHARLOTTE NC 282 72-1084 Address, a-mail or telephone change? Print change in space I~~I~II~~I~~~I~II~~~I~~I~I~~~III I~~~I~~I~~I~~II~~I~~I~~I~I~~II above, or go to Discover.com. Print your e-mail address to receive important Account information and specia{ offers. 000001986451439387268003555 100085000001000 Discover Plotinum Card Account Summary i Closing Date: July 19, 2004 page 1 of 2 Account number ending in 2268 Previous Balance $172.21 Payment Due Date August 18, 2004 Payments And Credits - 85.00 Minimum Payment Due $10.00 Purchases + 2b5.86 Credit Limit $7,900.00 Cash Advances + 0.00 Credit Available $7,544.00 Balance Transfers + 0.00 Cash Credit Limit $d,000.00 Finance Charges __ _ _ _ _ _ __ + _ _ _ 2.4.4 Cash Credit Available $4,000.00 New Balance = $355.51 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 1.40 New Cashback Bonus This Period + 0.67 Everywhere Else + 0.00 Cashback Bonus® Anniversary Cashback Bonus Balance $ 2 07 Month: September . Keep using your Discover(R) Card and watch h your Cas back Bonus(R} award grow! Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel You? P 1 • Visit Discover.com to pay your bill for no cost, view your l A i f d d d d It's your choice - 3 ways to help atest ccount n ormation, earn an re eem rewor s an more 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 vs 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. 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Build your Cashback Bonus(R) award with every bill you pay automatically with your Discover(R) Card. Cell phone, cable . V1~~r`titiy'Y ~B'C r,4r„y nl~l Vl Innl, IV/i ~~1SE~ Account number ending in 2268 Ge# added security with no paper trail Make your account information more secure with password•protected statements that only you can access. • Access up to 24 months of downlaadable, printable statements. • See your statement as soon as it's ovailable rat{,er than wait for it io arrive in your mailbox. • Get helpfu{ payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. cJ2009 Dixover bank, Member FDIC Closing Date: July 19, 2004 page 2 of 2 Get up to 2 cents back on every gallon of gas with your Cashback Bonus(RJ award. Drive down prices while you drive up your rewards) Use your Discover(R) Card whenever you Fill up -and pump some high octane rewards into your Cashback Bonus Account. Plus, continue to receive a Cashback Bonus award on your other purchases. Call 1-877-353.0941 today or visit Discovercard.com to find out iF you qualify for a valuable Balance Transfer offer. It's a Fast and easy way to save money! Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CM,4RG~_ CHARGES current billing period: 30 days Purchases $235.60 0.030119e 10.993e V 10.999e $2.13 $0 Cash Advances $0 0.05477`e 19.9990 F 19.993e $0 $0 previous billing period: 31 days Purchases $33.36 0.0301 1 ~ 10.99% V 10.999e $0.31 none The rats; that apply t~yorYUr Account ar~,r~ither flx~d (F) or they Iridy vetry (V} as noted above. QueStlonS? Manage your account at Discover.com or ~nll ~ -Rnn.ntc~nvcn r, onn ~ . ~ ~ , ~ ~~ ii' Q~ Lr~~y-%~ 19 SDSN6A010003121 BARNHART, IDA 71 MOON6ALE DR CARLISLE PA 170 $368.43 1510.00 Payment Due Date September 18, 2004 13-2116 J . ,..,,,.,.,. , ..,..,.,<, o.,,,, .y ~,...~.,.. Enter Amount Enclosed Below Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 III'r'llr'r"rlll'I.rllrr' CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space '~~I~II~~I~~~l~ll~iil~~'~I~~~IIII~~~I~~I~~I~~Ili~l~~l~~l~l~ill above, or go ro Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268003689300150000001000 Discover Platinum Card Account Summary Closing Date: August 14, 2004 page 1 of 2 Account number ending in 2268 Previous Balance $355.51 Payment Due Date September 18, 2004 Payments And Credits - 150.00 Minimum Payment Due $10.00 Purchases + 159.57 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $8,531.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges ,__ _ _ _ _ + _ _ 3.85 Cash Credit Available $4,600.00 New Balance $368.93 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus's Opening Cashback Bonus Balance $ 2.07 New Cashback Bonus This Period + 0.40 Everywhere Else + 0.00 Cashback Bonus® Anniversary Cashback Bonus Balance $ 2.47 Month: September Keep using your Discover(R) Card and watch your Cashback Bonus(Rj award growl Remember, once yyour Cashback Bonus oward is at {east $20, you con redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel You? 1 • Visit Discover.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683 for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired] see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Aug l 7 Aug 17 PAYMENT -THANK YOU $ • 150.00 Merchandiss]Retad Aug 9 Aug 9 WALMRT SUPERCNT 002574 CARLISLE PA 143.62 Services Aug 3 Aug 3 NUFIC ACCIDENT INS 800.608-3653 PA 15.95 information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795 0; corresponding ANNUAL PERCENTAGE RATE: 2.90%. 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) 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) 1i'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.dissoverbank.eom. Mention SC3Q04PC when you open your CD. Member FDIC. BY paying Your bill by check, you agree to the processing of your payment electronically. If your check is processed ~~~~ ~ ~~ ~~S ~V~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it`s available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. Sign up today at Discovercom Jpapertess k; ~~: - ,~. tr~2009 Discover Dank, Member f01C Closing Date: August 14, 2004 page 2 of 2 Save up to $200, use your DiscoverjR) Card to book air/hotel reservations with US Airways Vacations. Book $500•$1000 save $50; $1000-$1500 save $100; $1500-$2000 save $150 and $2000+ save $200. Vacations include air, hotel, car or transfers, taxes and more. 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To learn more, visit Discovereard.com or wwrw.jdrF.org, Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $402.45 0.03079ia 11.2430 V 11.24% $3.85 $0 Cash Advances $0 0.054779'0 19.999e F 19.999e $0 $0 The rates that apply to your Account an either Fixed (F) or they may vary (V) as noted above. rosc~r~- - QUeStlOnS? Manage your account at Discover.com or ~~~~ ~.~~'V ~~ $451.94 ...... 19 SDSN6A01 0003122 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 vrino~u v~o nwuuni iwni~di enaniy u~ ctuo $10.00 I Enter Amount Enclosed Below Payment Due Date Cktober 18, 2004 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wrath password- protected statements only you can access. Learn more at dlscover.com/paperless. PO BOX 71084 ~I~r~~N"""~~ I'~"~~"'~ CHARLOTTE NC 28272-1084 Address, o-mail or telephone change$ Print change in space ~~~~~~~~~'~i~~~~~~~~~~~~ili~~~'~~ri~~ir~i~(i~~~ri ~i~~i~~~~~~{~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268004519 40D10DD00001000 _. Discover Platinum Card Account Summary .~ Closing Date: September 19, 2004 page 1 of 2 Account number ending in 2268 Previous Balance $368.93 Payment Due Date October 18, 2004 Payments And Credits - 100.00 Minimum Payment Due $10.00 Purchases + 178.36 Credit limit $8,900.00 Cash Advances + 0.00 Credit Available $8,448.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Chargos__Y _ ____ + 4.65 Cash Credit Available $4,600.00 New Balance = $451.94 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbook Bonuse Opening Cashback Bonus Balance $ 2.47 New Cashback Bonus This Period + 0.45 Everywhere Else + 0.00 Cashback Bonus®Anniversary Cashback Bonus Balance $ 2.92 Month: September Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once yyour Cashback Bonus award is at least $20, yov can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, 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 self-service M anager options or to speak with a Customer Service Account Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 1 1 Sep l 1 PAYMENT -THANK YOU $ -100.00 Gas/Automotive Aug 24 Aug 24 CARGIUEST #1351 CARLISLE PA 38.62 Aug 24 Avg 24 PEP BOYS E 21 MECHANICSBURGPA b4.55 Sep b Sep 6 AUTOZONE #1849 CARLISLE PA 21.19 Sep b Sep 6 HESS EXPRESS CARLISLE PA 24.00 Services Aug 24 Aug 24 VIP HAIR STUDIO & DAY CARLISLE PA 25.00 Information For You Congratuiationsl Your Account's cash credit limit has been increased to $4,600.00. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Now you can use your Discover(R) Card to pay your child's tuition at KinderCare(R) Learning Centers locations nationwide) l _ a~1~t.`~~' V CiC .. rruy~ ro ~ Account umber{ending in 2268 I <~fSC~VER' Get added security with no paper trail Make your account information more secure with passward-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait For it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. -- ~;' !', Sign up today at ~' Discavercom/paperle~ ~~ CrJ2009 Discover (look, tvkm6ec FD{C Closing Date: September 14, 2004 page 2 of 2 Get Up to 1090 back at restaurants with your Discover(R) Card. Plus, receive up to 2°!o Cashback Bonus(R) award on all your other purchases. Sign up today •- call 1-800-DISCOVER (1.800.347.2683) or visit Discovercard.com. This offer only lasts through October. Keep Track of a Full Year of Expenses Online. At the Account Center at Discovercard.com, you can research your Discover(R) Card transactions as Far back as 12 months. So, instead of sorting through a mountain of paperwork to Find your old statements, {og in to the Account Center at Discovercard.com to find everything you need quickly and easily. Don't throw away $500 of your hard earned cash) Protect yourself from Identity Theft with ProfileProtect(R). On average, Identity Theft costs victims $500 in out-of-pocket expenses (federal Trade Commission, Sept. 2003). Protect your credit and good name with ProFileProtect. Call 1-866-708.0672 to find out more. The Register(R) safeguards all your credit, debit and ATM cards For less than 5 cents a dayl With our Property and Document registration service, we make it easier For you to file a claim if important possessions are lost to fire, theft or natural disaster. Call 1.800.347-3395 to enroll today. Finance Charge Summary Nominal Tranwction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE B°lances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $47b.d0 0.031489'0 11.49% Y 11.499'0 $4.65 $0 Cash Advances $0 0.054779'0 14.99% F 19.9996 $0 $0 fil~Pa (F) ®r they mmy vtlry (V) ea nated above. ~UeStlOnS? Manage your account at Discover.com or ill 1 A(1A r11C!"A\!tD ri nni, n ~~ I~~.~~ir1 • ~~ $809.87M~~~V 19 SDSN6A01 0003123 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 $17.00 ` Enter Amount Enclosed Below Payment Due Date November 18, 2004 please make check payyable to Discover Platinum Card or pay online @ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illu~lln~n~lll~lnll~nl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changer! Print change in space ~rrlrllrr'rrrlrllrrrlrrlr~rrrlfllrrrlr~irrlrr`~ ~rlrrlrrlrlrrl' obove, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268008098 700100000001700 Discover Platinum Card Account Summary Closing Date: October l9, 2004 page 1 of 2 Account number ending in 2268 Previous Balance $451.94 Payment Due Date November 18, 2004 Payments And Credits - 1 18.02 Minimum Payment Due $17.00 Purchases + 468.73 Credit limit $8,900.00 Cash Advances + 0.00 Credit Available $8,090.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges _.___ _________ _____ _ _ + ____ _ _7.22 Cash Credit Available $4,600.00 New Balance = $809.87 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus Opening Cashback Bonus Balance $ 2.92 New Cashback Bonus This Period + 1.13 Everywhere Else + 0.00 Cashback Bonus® Anniversary Cashback Bonus Balance $ 4.05 Month: September Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once YYour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel YOU? l . Visit Discover.com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Sep 30 Oct 3 KMART 7746 CARL{SLE PA $ _18.02 - - Oct 13 Oct 13 PAYMENT -THANK YOU- - - -100.00 Merchandise/ReMil Sep 26 Sep 26 THE CHILDRENS PLACE #1 CAMP HILL PA 122,32 Sep 29 Sep 29 KMART 7746 CARLISLE PA 97.15 Sep 30 Sep 30 KMART 7746 CARLISLE PA 101.40 Sep 30 Sep 30 KMART 7746 CARLISLE PA 104.94 Oct 4 Oct 4 GABRIEL BROS-MECHANICS MECHANICSBUR PA 42.92 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.01342°0; corresponding ANNUAL PERCENTAGE RATE: 4.909'0. Rate is subject to the terms of the offer including expiration. Go paperless) Elect to stop receiving your Discover(R) Card statements by mail and receive them exclusively online. You'll get an e-mail notification when your statement is available online and a printable version of your statement for your records. Visit the Account Center at Discovsrcard.com to enroll. TRANSFER BALANCES Today •- Call 1-800.767-7399 now or visit Discovercard.com to see what Balance Transfer rate is 6/&V"ir~~~ CK ~~~r~~ ni v~inni, IV11 ~ Account nvmbe'r ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it io arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobi{e phone. • Print a paper copy of your statement anytime. '~ sign up today at Discovercom/poperless i ' `~, 02009 Discover Dank, Member FDIC Closing Date: Ocrober 19, 2004 page 2 of 2 Request FREE Additional Cards for your Account and shore your Discover(R) Card with the people closest to you. Cali 1-800.DISCOVER or visit Discovercard.com f AdditionalCards to leorn more. Hey luniorsl We are searching for outstanding high school juniors to apply For the Discover(R) Card Tribute Award(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 wvrw.Discovercard.comjtribute.htm. lock Yovr 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 funds to a maturing Discover CD, directly from your bank account. Visit www.discoverbank.com. Mention SC4Gt04PC when you open your CD. Member FDIC. TRANSFER BALANCES TODAY! Call 1-800-767-7399 now or visit Discovercard.com to see what Balance Transfer rate is available For you. Pay ofF your loans, bills or take that dream vacation. It's a Fast and easy way to save money) Finance Charge Summary Nominal Transaction Average Daily ANNUM ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current bi{ling period: 30 days Purchases $747.83 0.03216q° 11.74% V 11.74°l0 $7.22 $0 Cash Advances $0 0.05477% 19.99% F 19.999'0 $0 $0 The races that apply to.your Ac,;ovnt pn either fixed (F) •r they may vary (V) ai net~el above. Questions? Manage your account at Discover.com or --.II 7 nnn nsr.~w..... „ .. .. .. .. .~ .- .. _. f~.~~~~.'~~vsw ~~~ $1,058.95y~ 19 SDSN6A01 D003124 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17D13-2116 .,~, .,~~ ~ ,..r,~~a~,~ vve n~wun~ ivuuwei dnuuiy ui ccuu $22.00 ~ Enter Amount Enclosed Below Payment Due Dafe December 18, 2004 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Address, e-mail or telephone changed Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illrrrll~~~~~~~~lr~rr~~i~~~ CHARLOTTE NC 28272-1084 (u~i{~u~ui~i~~n~~u~i~u~~~~~ui~n~n~u~~n~n~u~~~u~~ 000001986451439387268010589500075000002200 Discover Platinum Card Account Summary Closing Date: November 19, 2004 page 1 of 2 Account number ending in 2268 Previous Balance $809.$7 Payment Due Date December 18, 2004 Payments And Credits - 75.00 Minimum Payment Due $22.00 Purchases + 313.44 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $7,841.00 Balance Transfers + 0.00 Cash Credit Limit $4,b00.00 Finance Charges + 10.14 Cash Credit Available $4,600.00 New Balance = $1,058.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 4.05 New Cashback Bonus This Period + 0.78 Everywhere Else + 0.00 Cashback Bonus® Anniversary Cashback Bonus Balance $ 4 83 Month: September . Keep using your Discover(R) Card and watch h k your Cas bac Bonus(R) award growl Remember, once yyour Cashback Bonus award is at least $20, you can redeem your d b lli b l awar y ca ng us or y ogging into the Account Center at Discovercard.com. How Can We Hel YOU? P 1 • Visit Discov.r.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarontee Use your Discover Card with confidence. Trans. Post Dale Date Payments and Credits Nov b Nov b PAYMENT -THANK YOU $ -75.00 Merchandise/Retail Oct 19 Oct 20 WALMR7 SUPERCNT 002574 CARUSLE PA 97.05 Oct 20 Oct 20 WAIMRT SUPERCNT 002574 CARLISLE PA 47.57 Nov 16 Nov 16 CVS 1627 CARLISLE PA 16.10 Restaurants Nov 16 Nov 16 BONANZA, CARLISLE CARLISLE PA 31.00 Gas/Automotive Oct 19 Oct 20 HESS EXPRESS CARUSLE PA 26.00 Nov 16 Nov 16 HESS EXPRESS CARLISLE PA 8.42 Nov 16 Nov 16 AMERADA CARUSLE PA 33.00 Services Oct 19 pct 20 NORTHSIDE VETERINARY C CARLISLE PA 55.00 Information For You Through the generosity of our Cardmembers, 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 your Cashback Bonus(R) award to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. Pro~e^t your good credit during this busy Holiday season. ProfileProtect(R) helps you manage your credit, prevent identity I~fJ<.<~M~V [K r Parrs ro ~nni ~i inni, ivH ^r ~~+VLGR' ~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of down{oadable, printab{e statements. • See your statement as soon as it's available rather thou wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mai{ or text messages on your mobile phone. • Print a paper copy of your statement anytime. ~, :~ , Sign up today at ! Discovercom/paperless R Closing Date: November 19, 2004 page 2 of 2 Give that someone special the gik that could only come from you. Discover(R) Gift Cards come in Festive designs in denominations up to $500, and era 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 Cashback Bonus(R} award. You can redeem your award anytime it reaches $20, or you can let it grow - it won't expire. Redeem your award online at Discovercard.com or call 1-877-YOUR-AWARD (1-877.968-7292j. Stay connected to loved ones this holiday season with thoughtful gifts kom 1-800-FLOWERS.COM(R). Save 15q°* on your next purchase when you use your Discover(Rj Card and code DC88. Call 1-800-FIOWERS(R) (1-800.356.9377), click www.1800flowers.com, or come inl *For details please visit www.1800flowers.com/disclaimer. This year, give FREE Additional Cards to the people you care about and build a bigger Cashback Bonus(R) award, too. It's easy! To request FREE Additional Cards for yaur Account, just call 1.800•DISCOVER or visit Discovercard.com /AdditionolCards. Everything You Need To Know - In the Account Center. 1F you need to know exactly how much you spent on your shopping spree last weekend, wouldn't you rather Find out now than wait For your next statement$ Go to the Account Center at Discovercord.com to find out what's going on with your Account before your statement arrives in the moil. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1017.96 0.032165'° 1 1.74% V 1 1.749'° $10.14 $0 Cash Advances $0 0.054779'° 19.999`° F 19.99% $0 $0 The rates that apply to your Account an either fixed (F) or they moy varyr (V) as Hated abave. QUeSt10nS? Manage your account at Discover.com or ,...11 ~ _onn nici^~a~n r , n.,., ., . ~ ,..., ,.. J2004 Dixwer lsaak, Member FDIC n win i uruiou~ vuo n~wvn~ ivVinues~ enwny ul LLVV $1,214.05~~ I $25.00 I Enter Amount Enclosed Below Payment Due Date $ January 18, 2005 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. i9 SDSN6A01 0003125 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure with password- Protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 III"'ll"""111'1"Ilrrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print change in space ~~~I~I'~~I~i~'~II~~iI~il~li~~I'II~~~I~~~~~I~~II~~I~~I~~I~I~~I~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268012140500100000002500 Discover Platinum Card Account Summary Closing Date: December 14, 2004 page 1 of 2 Account number ending in 2268 Previous Balance $1,058.95 Payment Due Date January 18, 2005 Payments And Credits - 100.00 Minimum Payment Due $25.00 Purchases + 243.21 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $7,685.00 Balance Transfers + 0.00 Cash Credit limit $4,600.00 Finance Charles i _ _ ~ + 1 1.89 Cash Credit Available $4,600.00 New Balance $1,214.05 You may be able to avoid Periodic Finance Charges, sae the reverse side For details. Cashback Bonus® Cashback Bonus® Anniversary Month: September Keep using your Discover(R) Card and watch your Cashback Bonus(R} oward growl Remember, once our Cashback Bonus award is at least ~20, you can redeem your award by calling us or by logging into the Account Center at Discovereard.com. Opening Cashback Bonus Balance New Cashback Bonus This Period Everywhere Else Cashback Bonus Balance 4.83 + 0.61 + 0.00 $ 5.44 How Can We Hel You? 1 ~ Visit Discover.com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2b83} for Fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dare Dare Payments and Crodits Dec 11 Dec 11 PAYMENT -THANK YOU $ -100.00 i4terchandite/Retail Nov 28 Nov 28 AMZ'SUPERSTORE AMAZON.COM WA 25.96 75395503678967 Supermarkets Nov 28 Nov 28 GIANT FOOD STORES #1 12 CARLISLE PA 11.60 Home Improvement Nov 29 Nov 29 CARLISLE COUNTRY LIV C PA 100.45 Nov 29 Nov 29 LOWE'S 1710 CARLISLE PA 105.20 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795°0; corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rate is subject to the terms of the offer including expiration. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A-Wish Foundotion(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 learn how, please visit Discovercard.com or visit www.wish.org. Protect your good credit during this busy Holiday season. ProfileProtect(R) helps you manage your credit, prevent identity upoysro unnrvnr~rtr, wH I pi~~A~~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement os soon as iYs available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ~ .-~_ .. -a ; -.-. ~' Sign t:p today at DiscovercomJpapertess i lt)2009 piscover Bank. Member fD1C Closing Date: December' l4, 2004 page 2 of 2 Give that someone special the gift that could only come kom you. Discover(R) GiFt Cards come in festive designs in denominations up to $500, and are accepted most everywhere Discover Card is welcomed. Customize yours with a personal message when you order at Discovergiftcard.tom. Not available to residents of CT, DC, MA, ME or NH. Every purchase you make with your Discover(Rj Card earns you a Coshback Bonus(R) award. You can redeem your award anytime it reaches $20, or you can let it grow - it won`t expire. Redeem your award online at Discovercard.com or tali 1-877-YOUR-AWARD (1-877.9b8-7292). Slay 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 1-800•FLOWERS(R) (1-800.356.9377), click www.1800flowers.com, or come in! *For details please visit www.1800flowers.com/disclaimer. This year, give FREE Additional Cards to the people you core about and build a bigger Cashback Bonus(R) award, too. It's easyl To request FREE Additional Cards for your Account, just call 1-800-DISCOVER or visit Discovercard.com /AdditionalCards. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $120b.04 0.032859a 11.4490 V 11.499'0 $11.89 $0 Cash Advances $0 0.054779'0 19.499e F 19.99% $0 $0 The rates that apply,to o r . c~~„Rr Eix~d (F) qr th11r may vary (Y) es Hated •bwe. QUeStiOnS? Manage your account at Discaver.com or ~..II 1.t,nn_nrernven ri nnn n .-..+. ~~, ~O~C:`.~~~/t~ ~s%~9a.osVy 19 SDSN6A01 0003126 BARNHART, IDA 71 MODNGALE DR CARLISLE PA 17013-2116 $36.00 V r v V vV I Enter Amount Enclosed Below ~vv Payment Due Date $ February 18, 2005 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.coMpaperless. PO BOX 71084 Illnrllnunlll~lnllnrl CHARLOTTE NC 28272-1084 {n~illulnJilluilul~ln~lllln~~ulu~u~luln~ulilnl~ DOODD1986451439387268017980200100000003600 - ..~ Discover Platinum Card Account Summary Closing Date: January 19, 2005 page 1 of 2 ,4ccount number ending in 2268 Previous Balance $1,214.05 Payment Due Date February 18, 2005 Payments And Credits - 100.00 Minimum Payment Due $36.00 Purchases + 667.1 1 (~redit Limit $8,900.00 Cash Advances + 0.00 (:redit Available $7,101.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges _ _ _. -- _ _______ _ + _ _ 16.86 ~ Cash Credit Available $4,600.00 New Balance _ $1,798.02 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus Opening Cashback Bonus Balance $ 5.44 New Cashback Bonus This Period + 2.11 Everywhere Else + 0,00 tashback Bonus® Anniversary Cdshbatk Bonus B4lante $ 7,55 Month: September Keep using your Discover(R) Cord and watch your Cashback Bonus(R) award grow! Remember, once Your Cashback Bonus award is at least 320, you can redeem your a~,vard by calling us or by logging into the Account Center at Discovercard.com. Mow Can We Hel 1 ou? 1 • Visit Dis<over.com to pay your bill for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.8oaDISCOVER (347-2683) for Fost, 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, Fur TDD (assistance For hearing impaired) see reverse side Salt Lake Cify, UT 84130 Transactions $0 Fraud Liabi{iiy Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits lan 4 Jan 4 PAYMENT -THANK YOU $ -100.00 Morchandise/Retail Dec 23 Dec 23 WALMRT SUPERCNT 002574 CARLISLE PA 51.39 Dec 23 Dec 23 BATHB~BODY CARLISLE PA 31.80 Dec 2d Dec 24 KMART 7746 CARLISIE PA 78.1 1 Jan b !an b R. T. GR{M COMPANY CAMPHILL PA 190.75 Rssrourants Jan 2 Jan 2 OLIVE GARDEN 1471 HARRISBURG PA 35.00 Gas/Auromotivs Dec 20 Dec 20 HESS EXPRESS CARLISIE PA 29.00 Dec 27 Dec 27 HESS EXPRESS CARLISLE PA 21.36 Services Jan 3 Jan 3 PAYPAL *SMILING 4029357733 CA 17,9q tan 4 Jan 4 PAYPAL *B PETERS 4029357733 CA 1 14.42 Supermarkets Dec 23 Dec 23 GIANT FOOD STORES #1 12 CARLISLE PA 97.29 Protect your good credit during this busy Holiday season. ProfileProtect(R) helps you manage your credit, prevent identity V~'~y~CK ..r,.r,.., ,~.,.~ D~SC~~V~R+ , Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downlaadable, printable statements. • See your statement as soon as it's available ratfrer than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobi4e phone. • Print a paper copy of your statement anytime. y~ , Sign up today at '~ Discovercom/paperless j': ~ 1 ©2009 Discover flank, 6Aemf7er rDIC Closing Date: January 19, 2005 page 2 of 2 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.007953'e; corresponding ANNUAL PERCENTAGE RATE: 2.90ae. Rate is subject to the terms of the offer including expiration. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $l 4 million to the Make-A-Wish Foundation(R). You can make a child's dream come true by e{ecting to donate your Cashback Bonus(R) award to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. Giv® that someone special the gift that could only come from you. Discover(R) Gift Cards come in Festive designs in denominations up to $500, and are accepted most everywhere Discover Card is welcomed. Customize yours with o personal message when you order at Discovergiftcard.com. Not available to residents of CT, DC, MA, ME or NH. Get Fit. Get Smart. Get More. Introducing more rewards-NOW thru February! Get a 5~o Cashback Bonus(R) award at Health Clubs, Sporting Goods Sfores, Bookstores and on Education purchases. Sign up today. Call 1-800.DISCOVER or visit Discovercard.com. Stay connected to loved ones this holiday season with thoughtful gifts kom l•800.FLOWERS.COM(R). Save 15%* on your next purchase when you use your Discover(R) Card and code DC88. Call 1.800-FLOWERS(R) (1-800-356-9377), click www.1800Nowers.com, or come in! *For details please visit www.1800Nowers.com/disclaimer. This year, give FREE Additional Cards to the people you care about and build a bigger Cashback Bonus(R) award, too. It's easy) To request FREE Additional Cards for your Account, just call 1-800.DISCOVER or visit Discovercard.comf AdditionnlCards. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1622.07 0.03353% 12.243a Y 12.249e $16.86 $0 Cash Advances $0 0.05477 0 19.9990 F 19.99% $0 $0 Ths rates that apply to,you~ Account ~~tl»r fixed (FJ or they may vary (V) os acted abavs. r QU@st1011SF Manage your account at Discover.com or ~~o`A<rr._,~~~ 515.62._..__ 19 S~SN6A01 0003127 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ............... . .,r,,,,..,, ..moo ,,....~~~~~ i~~nwei miuniy m cwo ~ $10.00 I Enter Amount Enclosed Below Payment Due Date $ March 18, 2005 please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wtth password- protected statements only you can access. learn more at discover.corrUpaperless. PO BOX 71084 {{{sn{{unsr({{~{u{{.n{ CHARLOTTE NC 28272-1084 Address, s-mail or telephone change? Print change in space (~~(~((i~(~~~(~((~~~~~~(~(~~~(~((~~~(~~~~~(rr((i~(~~(~i(~(ii(( above, or go to Discover.com. Print your email address to receive important Account information and spacial offers. OOOD01986451439387268000156201798020001000 Qiscover Platinum Cord Account Summary Closing Date: February 19, 2005 page 1 of 2 Account number ending in 2268 Previous Balance $1,798.02 Payment Due Date March 18, 2005 Payments And Credits - 1,798.02 Minimum Payment Due $10.00 Purchases + 0.00 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $8,884.00 Balance Transfers + 0.00 Cash Credit Limit $$,600.00 Finance Charaes~ __ _ _ ___ _ _ _ ____ + _ 15.62 Cash Credit Available $d,600.00 New Balance = $15.62 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 7.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 7.55 Cashback Bonus® Anniversary Month: September How Can We Hefp You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more {t'S your choice - 3 ways to help 2. Call 1-BOaDISCOVER (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 ai Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8d 130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dats Payments and Credits Feb 15 Feb 15 PAYMENT -THANK YOU $ -1,798.02 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.0161696; corresponding ANNUAL PERCENTAGE RATE: 5.909'0. Rate is subject to the terms of the offer including expiration. FREE Additional Cards For your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards For those close to you to help with daily shopping and errands and to use as credit resource in case of emergency. Cali 1-800-DISCOVER or visit Discovercard.com/AdditionalCards today. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lent s Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1502.68 0.033539e 12.24% V 12.2496 $15.62 $0 Cash Advances $0 0.05477% 19.99% F 19.999'0 $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important SecT rity Information: Some criminals imitate the e•mails of legitimate companies to entice people to share personal \.WDIIICJ vale:,,,, I ur,ia vi ~r~rti, WA Februg[y_].,Q,~QV~.1 Account number ending in 2268 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: September 19 Balance Previous Cashback Bonus Award Balance $ 7.55 Purchase Award ?his Period + 0.00 Cas ack Bonus Award Tota 7.55 Cashback Bonus Award Balance Award Available to Redeem 7.55 $ 0.00 RRestrictio s apply to th!! Cgqshback Bo us Partnner offers visit Qiuewr.ceM or en 11.800•DISCCVER (1.800-347-2683) For dMt41!!. ~or pragram rietaits, see the ~ashback Bonus grogram Terms and Conditions. - - - __ ............... . ..r,.,...,..,,.n IJ~.7L.V Cf( $1,193.85 ~ $24.00 Payment Due Date April 18, 2005 19 5DSN8A010003128 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ..vulll IVVIIIUCI tl11Ulllg In LLUO Enter Amount Enclosed Below Please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure wdh password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 IIlr,rll"""I{I'Irillrrrl CHARLOTTE NC 28272-1084 Address, a-mail or telephone change2 Print change in space (~~(~((~~(11~(1((~~~~~~(~(111(((I~~~(~~(~~(„((~rl~rl„I~I,~II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645143938726801193850001562DD024D0 Discover Platinum Card Account Summary Closing Date: March 14, 2005 page 1 of 2 Account number ending in 226$ Previous Balance $15.62 Payment Due Date April 18, 2005 Payments And Credits - 15.62 Minimum Payment Due $24.00 Purchases + 1,193.85 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $7,706.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Char~es_ ____, _ __ ______,_~ 0.00 Cash Credit Available $4,600.00 New Balance ~ $1,193.85 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Sonus~ Opening Cashback Bonus Balance $ 7.55 New Cashback Bonus This Periad + 5.97 Everywhere Else + 0.00 Cashback Bonus®Since Anniversary Month Cashback Bonus Balance $ 13.52 September: $10.60 Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once our Cashback Bonus ~ 20, you can redeem your award is at least award by ca{ling us or by logging into the Account Center at Discovercard.com. Y ? H l C W 1. Visit Discover.<om to pay your bill for no cost, view your ou e p an e How latest Account information, earn and redeem rewards and more It`s your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2663) for fast, easy self-service M anager options or to speak with a Customer Service Account Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 3 Mar 3 PAYMENT -THANK YOU $ -15.62 MerchandiseJRetail Mar 1 Mar 1 COCONUTS #1220 CARLISLE PA 22.25 Mar 1 1 Mar 1 1 GROWING FAMILY PORTRAI WEST ORANGE Nl 423.97 Mar 12 Mar 12 BABIES R US 6425 HARRISBURG PA 565.13 Horns Improvement Mar 12 Mar 12 CARLISLE COUNTRY LIV C PA 182.50 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.016165'0; Corresponding ANNUAL PERCENTAGE RATE: 5.405'0. Rate is subject to the terms of the offer including expiration. Calf 1-600.767.7315 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! Did you know that millions of credit cards are lost or stolen every year$ The Register(R) can help prevent credit card Fraud! In tt.s even! ..n. .. J 1 I II »puyaro unni ~rinrti, ivA ~~,~~,~.' ~ ~K ` DIS~.aV~R f Account number ending in 2268 I --- -_ -__~. Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it io arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/papetrless -: CA2009 Discover bank, Membec fDtC Closing Date: March 19, 2005 page 2 of 2 Poperless statements can jumpstart your spring cleaning! Get rid of the excess paper in your life by receiving your Discover(R) Card statements online instead of 6y mail. You'll get an e-mail letting you know when your statement is ready to view online. You can even pay your bi{I online while you're there. Go to Discovercard.com to sign up. Thinking of movingt' The Register(R) will notify all your creditors and let them know of your new address. With our Property and Document registration service, we also make it easier for you to File a claim if important possessions are lost to fire, then ar natural disaster. Call 1-800.347-3395 or visit us at Discovercard.com For details. Build your Cashback Bonus(R) award with every bill you pay automatically with your Discover(Rj Card. Cell phone, cable and Internet service and health clubs: you can pay so many recurring bills with your Discover Card. What a smart, easy way to save time and money -and earn a bigger award) Visit Discovercard.com/autobillpay to learn more. Redecorate. Remodel. Get More. Sign up today and get 59o Cashback Bonus(R) at Ace Hardware, Bed Bath & Beyond(R), Lawa's(R), Menards(R), Pier 1 Imports, Restoration Hardware, SHERWIN•WILLfAMS(R), Smith & Hawken(RJ, Tha Container Store(R), The Home Depot{R). Call 1.800•DISCOVER or visit Discovercard.com and reward yourself March through May. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al nces f2ates RATES RATES CHA GES CHARGES current billing period: 28 days Purchases $0 0.03422°! 12.499'° V 12.499'° $0 $0 Cash Advances $0 0.054779`° 19.999b F 19.499'° $0 $0 previous billing period: 31 days Purchases $0 0.033539'° 12.249'° V 12.249'° $0 none Theme rates Shat a ~ to o~ur,Account~i ~ithlir find (F) or theyr tnmy wQry (V) as netltd above. QUeSt10nS? Manage your account at Discover.com or ....II 1 _onn nrr~^i+~mn c, n..., .. ,~ ., . ~ ~, u~~~~ V ~~ $0.00 $0,00 Enter Amount Enclosed Below Payment Due Date Moy 18, 2005 19 SDSN6AD1 0003129 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 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 spacial offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 111"'ll"""111'1ir11rrrl CHARLOTTE NC 28272-1084 I~~1~11~~1~~~1~11~~~1~~1~1~~,Illl~~~l~~l~~l~~li~~l~~l~~lil~~ll OOOD019864514393872680DOD00001193850000000 Discover Platinum Card Account Summary Closing Date: April 19, 2005 page 1 of 1 Account number ending in 2268 Previous Balance $1,193.85 Payment Due Date May 18, 2005 Payments And Credits 1,193.85 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limif $8,900.00 Cash Advances + 0.00 Credit Available $8,900.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charses + 0.00 Cash Credit Available $4,600.00 _ __ - __ _ New Balance = -------- $0.00 Cashback Bonuse Opening Cashback Bonus Balance $ 13.52 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 13.52 Cashback Bonus® Since Anniversary Month September: $10.60 How Can We Help You? 1. Visit Discover.com to pay your bill For no cost, 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, easyself-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Apr 15 Apr 15 PAYMENT -THANK YOU $ -1,193.85 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE I ces Rates RATES RATES C AH RGES C ARGES current billing period: 31 days Purchases $0 0.03490% 12.74°e V 12.743'0 $0 $0 Cash Advances $0 0.05477 0 19.99 a F 19.99°(° $0 $0 previous billing period: 28 days Purchases $0 0.034229'° 12.499b V 12.49% $0 none Th• rates that apply to your Account an sither fixed (F) or they moy vary (Y) as noted above. v1J~,.~V CK Sloo.58 19 SDSN6A010003130 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ............... . .., ,.,,.~. ~.,o nccuunr rvumoer ending m LLOtf $10.00 ~~ Enter Amount Enclosed Below Payment Due Date $ (^ June 18, 2005 Please make check payable to Discover Platinum Card or pay online ~ Discovercord.com. Go paperless and make your account information more secure vdth password- pprotected statements only you can access. Leam more at discover.comlpaperless. PO BOX 71084 (Ilnrllnnn{{Irln{Inr) CHARLOTTE NC 28272-1084 Address, a-mail or telephone change? Print change in space I~~I~II~~~~~~I~~I~~~Ir~I~I~~~{'I{r~rl~~~r~'rrllr~l~rl~~I~{~~'{ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000],98645143938?268001005800DD0000001000 Discover Platinum Card Account Summary Closing Date: May 19, 2005 page 1 of 2 Account number ending in 2268 Payment Due Date June 18, 2005 Minimum Payment Due $10.04 Credit Limit $8,900.00 Credit Available $8,799.00 Cash Credit limit $4,600.00 Cash Credit Available $4,600.00 Previous Balance $0.00 Payments And Credits - 0.00 Purchases + 100.58 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Chart,~ez + 0.00 __ ___ New Balance = $100.58 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 13.52 New Cashback Bonvs This Period + 0.50 Everywhere Else + 0.00 Cashbock Bonus® Since Anniversary Month Cashback Bonus Balance $ 1A.02 September: $1 1.10 Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by ca{ling us or by logging into the Account Canter at Discovercard.com. How Can We Hel You? 1 • Visit Discover.com ro pdy your bill for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 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 ovailabie. 3, Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sea reverse side Sak take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Merchandise/Retail May 9 May 9 COCONUTS #1220 CARLISLE PA 16.95 RestMUrants May 17 May"t7 MIDDLESEX DINER CARLISLE PA 29,68 Supsrmarksts May 17 May 17 NEIL'S-SPRINGROAD SNS CARLISLE PA 53,95 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.013429'0; corresponding ANNUAL PERCENTAGE RATE: 4.909'0. Rate is subject to the terms of the aFFer including expiration. Call 1-877-353.09$6 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) The Discover(R) Gift Card is a Festive, prepaid card that works just like a credit card - at malls, online and most everywhere the Discover Card is welcomed. The Discover Gift Card is the perfect gik For everyone and every occasion, so your gik-giving possibilities are endless. And think of the time you'll savs shopping and giftwrapping. Build Your Savings on YOUR SchedLlel Open a Discover Bank Money Market Account and sign uo for Aiitntnvnre +r..a..••~ ~~~L~,.,~,)v tK rr ~r~ r ~ ~ ' Account number ending in 2268 f nrs~C~ ~vFe~ Get added security with no paper trot) Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadabie, Sign up today al printable statements. L~ISCOVeGCORl1~]O~leCI@SS • See your statement as soon as it's available + ` ~ "~ rather than wait for it to arrive in your mailbox. ~ • Get helpful payment reminders through a-mail ~'~'~~' ~ ~' tr . or text messa es on our mobiie hone. 9 Y p ---- ~,~,,.,~,..,,..~., • Pflnt O paper COpy Of yOUf Statement anytime. «200q Discover bank, Member FDIC Closing Date: May l4, 2QQ5 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 Cashback Bonus(R) with each payment -unlimited earnings without hidden fees. FREE Additional Cards for your Account allow you io share your credit line without sharing your Card. Request FREE Additional Cards For those close to you to help with daily shopping and errands and to use as credit resource in case of emergency. Call 1-800.DISCOVER or visit Discovercard.cam/AddifionalCards today. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ion a Rates RATES RATES C RGES CHARGES current billing period: 30 days Purchases $0 0.0349096 12.74% V 12.74% $0 $0 Cash Advances $0 0.0547790 19.99% F 19.99% $0 $0 previous billing period: 31 days Purchases $0 0.0349096° 12.74% V 12.7496 $0 none The rates that apply to your Account an either fixed (F) cr they may vary (V) as noted oboes. QUeStIOnS? Manage your account at Discover.com or --- tV h~t.1++= V 1~ K 5211.78 19 SDSN6A01 0003131 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ,......,....,.. , ..~~.~a~~~ ,.,,o rrcwunr rvumoer enamg m [[OtS $10.00 v~ Enter Amount Enclosed Below Payment Due Date July 1$, 2005 Please make check Pa able to Discover Platinum Card or pay online ~f Discovercard.com. Go papertess and make your account information more secure with password- protected statements onry you can access. Learn more at discover.corNpaperless. PO BOX 71084 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space ~rr~r~~rr~rrr~r~~irr~rr~r~ri~~~~~rrr~rr~~r~~~~~ir~~i{r~~i~r~~~ above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. OOOOD198645143938726800211780010058DD01000 .. __ Discover Platinum Card Account Summary Closing Data: June 19, 2005 pope 1 of 2 Account number ending in 2268 Previous Balance $100.58 Payment Due Date July 18, 2005 Payments And Credits - 100.58 Minimum Payment Due $10.00 Purchases + 211.78 Credit Limit $8,900.00 Cash Advances + 0,00 Credit Available $8,687.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Charges Financs + 0.00 Cash Credit Available $4,600.00 __V _ _ New Balance ___ $211.78 You may be able to ovoid Periodic Finance Charges, see the reverse side For details. Cashback Bcnuse Opening Cashback Bonus Balance $ 14.02 New Cashback Bonus This Period + 1.96 Everywhere Else + 0.00 Cashback Bonus® Since Anniversary Month Cashback Bonus Balance $ 15.98 September: $13.06 Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1 • Visit Discover.com to pay your bbl for no cost, view your latest Account information, eam and redeem rewards and more ~t'S your choice - 3 ways b help 2. Call 1-Boo-DISCOVER (347.2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card avai{able. 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 Daie Payments and Crodits Jun 5 Jun 5 PAYMENT -THANK YOU $ -100.58 Merchandise/RstaN Jun 5 Jun 5' CIRCUIT CITY SS #3720 MECHANICSBURGPA 152.48 Department Storo Jun 13 Jun 13 SEARS.COM 4300 NAPERVILLE IL 59.30 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.013429e; corresponding ANNUAL PERCENTAGE RATE: 4.40%. Rata is subject to the terms of the offer including expiration. FREE Additional Cards For your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as a credit resource in case of emergency. Call 1-800.DISCOVER or visit Discovercard.comfAdditionalCards today. Call 1-800.767-7315 today or visit Discovercard.com to find out if you qualify For a valuable Balance Transfer offer. Ir'~ n fast nnrl Ana~i u.rni +.. ~~,... ----_.,~ V~J~r`~Y ~~. iSC~..~ ` Account number ending in 2268 ~._~'~~_ Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of down)oadable, printable statements. • See your statement as soon os it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. i Sign up today at Discovercomjpaperless ~> .; a.~~ ~ ' "~` .,~' 02009 Discover honk, Member FDIC Closing Date: June 19, 2005 page 2 of 2 Now you can save up to 509'° on health care by becoming a PlanPlus(SM) member. P{anPlus 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/PlanPlus or call 1-800.527.7783. Discover 2G0(R) Card is the FREE compact companion to your Account. You can use it everywhere Discover(R) Card is welcomed. To request yours, call 1-800-DISCOVER. Congratulations to the 2005 National Discover(R) Card Tribute Award(R) Scholarship winners: Caitlin Barrett, Daniel Cayce, James CrafF, Tiffany Grant, Sameer Gupta, RhaShonda Keehn, Logan Skelley, Paula Quesenberry 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 Average Daily Balances current billing period: 31 days Purchases $0 Cash Advances $0 previous billing period: 30 days Purchases $0 Nominal Daily ANNUAL Periodic PERCENTAGE Rates RATES 0.03559% 12.990 V 0.0547790 19.99°0 F 0.03490% 12.749'° V Transaction ANNUAL Periodic Fee SNTAGE AT NA R E CHARGES C R ES 12.99°0 $0 $0 19.999'° $0 $0 12.74°I° $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted obeys. QUeStlOnS? Manage your account at Discover.com or - -.n , ~......~........... ..,,.. ,..._ - . - _. V~,LV CK $629.18 19 SDSN6A01 0003132 BARNHART, IDA 71 MOON6ALE DR CARLISLE PA 17013-2116 ............... ~ _,..~... ..,... ,,.......,..~ i.vu.vm onun~a~ n, r.av~ $23.00 I Enter Amount Enclosed Below Payment Due Data August l8, 2005 please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $10.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 IIlrr.ll"""111'1.,11.„I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space ~i~I~ll~~l~~~lrll~~rl~~l~li~~llll~~~l~~l~~~r~ll~~l~~l~~l~lr~ll above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986451439387268006291800000000002~00 Discover Platinum Card Account Summary Closing Date: July 19, 2005 page 1 of 2 Account number ending in 2268 Previous Balance $211.78 Payment Due Date August 18, 2005 Payments And Credits - 100.00 Minimum Payment Due $23.00 Purchases + 510.68 Credit limit $8,400.00 Cash Advances + 0.00 Credit Available $8,270.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges + 6.72 Cash Credit Available $4,600.00 `_ _ __ New Balance = $629.18 You may be able to avoid Periodic finance Charges, see the reverse side For details. Cnshback Bonuse Opening Cnshback Bonus Balance $ 1$.98 New Cnshback Bonus This Period + 3.56 Everywhere Else + 0.00 Cnshback Bonus® Since Anniversary Month Cnshback Bonus Balance $ 19 54 September: $16.62 . How Can We Hel You? P 1 • Visit Discover.cam to pay your bGl kr no cost, view your l t t A t i f i d d d d It's your choice - 3 ways to help a ccoun ormat es n on, earn an eem rewor re s an more 2. Call 1-8oaDISCOVER (347-2683) For Fast, easyselFservice Please have your Discover Card available. options or to spook with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sae reverse side $ah Lake City, UT 84130 Transactions SO Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Date Date Payments and Credits Jun 30 1ul 3 GROWING FAMILY PORTRAI WEST ORANGE NJ $ -100.00 Merchandise/Retail tun 21 Jun 21 BATH&BODY CARLISLE PA 68.89 Jun 2 i 1un 21 BATH&BODY CARLISLE PA 55.65 Jun 22 Jun 22 WALMRT SUPERCNT 002574 CARLISLE PA 40.04 Jul b Jul b KMART 7746 CARLISLE PA 61.23 }ul b Jul b GRWNG FMLY FIRST FOTO 8 00.707-1 077 MO 101.23 00000001902677 CNher/Miscellaneous ...Jul 18 ._ Jul 18.. LATE FEE 25:00-- - Home Improvement Jun 23 Jun 23 LOWES 405 MECHANICSBRG MERCHANICSBRGPA 120.54 Department Store Jun 20 Jun 20 SEARS.COM 9300 NAPERVILLE IL 38.10 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 iMroduetory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR For purchases to your outstanding balance of purchases and balance tansFers. 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 fhe DsFault Rate P{an section of the Cardmember Agreement For details. Your account is past due. Please pay your minimum monthly payment plus the past due amount. LlIJ~, ~:~ V CK u pur> ro , vn Account number ending in 2268 ~{5.~~ AVER' Get added security with no paper trai) Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a poper copy of your statement anytime. Sign up today at Discovertom/paperless ~ ~~ f p ~~~~~~ ~~~" ~'. ~'~"~!rd1WiM~i~yr~~' ':J2UU9 Discover bank, Member FDIC Closing Date; July 19, 2005 page 2 of 2 Balance Transfer offer for current billing period: Daily Periodic Rate: 0.0355990; corresponding ANNUAL PERCENTAGE RATE: 12.999'°. Rate is subject to the terms of the offer including expiration. Paying your DiscoverlR) Card bill online at Dis<overcard.com is the Fastest, most convenient way to make your monthly payment. All yov need is your checkbook -enter your banking information once during sign-up and you'll never have to enter it again. Visit the Account Center at Discovercard.com and you can begin making payments right away. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $538.83 0.035599; 12.9996 V 12.99° $5.76 $0 Cash Advances $0 0.054779'° 19.9996 F 19.9496 $0 $0 previous billing period: 31 days Purchases $87.37 0.035599'° 12.99% V 12.99°~ $0.96 none The,r~ta that apply to,your Account are either ,~.>. fixed (F)or they mr~y vrsry (V) an noted abave. QUeSt10n5? Manage your account at Discover.com or .r , .........,......,..., ..,...._ - . - _. V~`J~.V CK. $885.34 19 SDSN6A01 0003133 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17D13-2116 .......... _... ~ .., .....~ ...... ........... ~......,...o. e.~..~~iy ~i~ aavv $18.00 y Enter Amount Enclosed Below Payment Due Date September 18, 2005 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com, Go paperless and make your account information more secure Huth password- protected statements only you can access. Learn more at discovercorrUpaperless. PO BOX 71084 I II„'ll"""III'Ir'll"rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changei3 Print change in space I~~I~'~i~li~~lil`~~~li~l~l~~~l~ll ~~~l~~l~~l~~ll~~l~~l~~l~'~~II abov®, or go to Discover.com. Print your email address to receive important Account information and specie{ offers. OOOOD1986451439387268008853 400030000001800 Discover Platinum Card Account Summary Closing Date: August 14, 2005 page 1 of 3 Account number ending in 2268 Previous Balance $629.18 Payment Due Date September 18, 2005 Payments And Credits - 50.00 Minimum Payment Due $18.00 Purchases + 297.57 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $8,014.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges + 8.59 Cash Credit Available $4,600.00 _ __ _ New Balance $885.34 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 19.54 New Cashback Bonus This Period ShopDiscover & Promotiona{ + 2.03 Everywhere Else + 1.67 Cashback Bonus® Since Anniversary Month Cashback Bonus Balance $ 23.24 September: $20.32 How Can We Help You? 1 • Visit Discover.com to pay your bil for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800.DISCOVER (347-26831 for Post, easyself-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions Payments and Gsdits Merchandise/RstaH Gasoline Home Improvement $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Daro Jul 26 Jul 26 PAYMENT -THANK YOU Aug 3 Aug 3 PAYMENT -THANK YOU Aug 1 Aug 1 WAIMRT SUPERCNT 002574 CARLISLE PA Aug 5 Aug 5 ONSTAR SUBSCRIPTION 888-40NSTAR MI 010514855205216 Aug 7 Aug 7 WALMRT SUPERCNT 002574 CARLISLE PA Aug 8 Aug @ HESS 38252 CARLISLE PA Jul 31 Jul 31 THE' HOME DEP07 #4149 CARLISLE PA -20.00 -30.00 60.00 16.95 60.16 40.51 T19.95- Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.03627%; corresponding ANNUAL PERCENTAGE RATE: 13.24%. Rate is subject to the terms of the offer including expiration. Use your Discover(R) Card with confidence knowing that it has the identity fraud services ranked #1 by Javelin Strategy ~ n_.--... _~. a_. .. .. VIJ~..V CK u guys ro I w • irou, wn r)fSC'``'VFR` Account number ending in 2268 Gefi added securifiy wifih no paper firaif Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. -~ ;; !, Sign up today at Discover.com/paperless ~' K ;, i~2009 Discover bank, Member FDIC Closing Date: August 19, 2005 page 2 of 3 Finance Charge Summary Average DaiBal nces current billing period: 31 days Purchases $763.69 Cash Advances $0 Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bates RATES RATES CHARGES CHARGES 0.036279'0 13.2490 V 13.24°Jo $8.59 $0 0.054779'° 19.99% F 19.99° $0 $0 Tfi~ rags th ~ our Account an aithsr Fxtad F or the ma va as noted above. ..rte y. 1 ~ y y w NI QU@sfilOnS? Manage your account at Discover.com or - -.II , nn............ ..-.. „ .. ,, .. .. .~ .. .. _. VIJ~.'V tK MU U6} 9Va Vnni vi inns, wM Account number ending in 2268 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: September 19 Balance Previous Cashback Bonus Award Balance $ 19.54 Purchase Award This Period + 1.67 ShopDiscover & Promotional 2.03 Cashback Bonus Award Total 23.24 Cashback Bonus Award Balance Award Available to Redeem 23.24 $ 20.00 Restriction s a pl to th• Cgshback Bopui Partgqer ofhrs visit Di~e~~er.cem or call 1.800•DISCOVER (1.800-34~-2b83) for details. For ~ro~ram details, see the Cashback Bonus grogram Terms and Conditions. VIJC.~V tK ~S%29%ab~v 19 SDSN6A01D003134 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 $26.00 I Enter Amount Enclosed Below Payment Due Date $ r~ October 18, 2005 please make check paYable to Discover Platinum Card or pay online ~ Discovercard.com. 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 (llrr~ll~iirr~~llrlrill~r~l CHARLOTTE NC 28272-1084 (n~i~~u~n~~i~~ni~u~~~ni~~~~ui~n~n~n~~n~u~u~~~n~~ 000001986451439387268012974600075000002600 Discover Platinum Card Account Summary Closing Date: September 19, 2005 page 1 of 2 Account number ending in 2268 Previous Balance $885.34 Payment Due Date October 18, 2005 Payments And Credits - 94.76 Minimum Payment Due $26.00 Purchases + 493.18 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $7,602.00 Balance Transfers + 0.00 Cash Credit limit $4,600.00 finance Charges ___ __ _ _ _ + 13_70 Cash Credit Available $4,600.00 __ __ _ New Balance _ _ . __ _ __ = $1,297.46 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ca5116pCIC BOt1USe Opening Cashback Bonus Balance $ 23.24 New Cashback Bonus This Period + 4.16 Cashback Bonus®Since Anniversary Month September: $24.48 Cashback Bonus Balance $ 27.40 CONGRATULATIONS! Your Cashback Bonus(RI is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER to get your share of America's #1 Cash Rewards Program. How Can We Hel You? 1 • Visit Discover.com to pay your bdl for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800-DISCOVER (347-2683M for Fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearin im aired see reverse side 3. Write us at Discover Card, PO Box 30943, ( g p ~ Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Aug 26 Aug 28 WALMRT SUPERCNT 002574 CARLISLE PA $ -19,76 Sep 1 1 Sep 1 1 PAYMENT -THANK YOU -75.00 Merchandise/Retail Aug 26 Aug 26 COCONUTS #1220 CARLISLE PA 27.41 Aug 26 Aug 26 WAIMRT SUPERCNT 002574 CARLISLE PA 96.63 Aug 28 Aug 28 THE CHILDRENS PLACE #1 CAMP HILL PA 209.49 Aug 29 Aug 29 JEWELRY TELEVISION 800.550-8393 TN 42.51 24456957 Sep 5 Sep 5 ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 010514855205247 Gasoline Sep 5 Sep 5 CITGO MART OF CARLIQ39 CARLISLE PA 54.19 9700020021 Sep b Sep b SHELL 25053437500050 HURON OH 46.00 Information For You Balance TronsFer offer For current billing period: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCENTAGE RATE: 2.909e. Rats is subject to the terms of the offer including expiration. uN..ya~~ s..niuvilMrtl, IVH V W V Y GR I 1nISC'~"~VFR' ~ Account number ending in 2268 Get added security with no paper irai) Make your account information more secure with password•protected statements that only you can access. • Access up to 24 months of dawnloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. + Print a paper copy of your statement anytime. ~. '' Sign sp today at Discovercom Jpaperless ~,. X2009 Uiscovor bank, Member FDIC Closing Date: September 19, 2005 page 2 of 2 Auto Bill Pay is DiscoverlR) Card's free service for paying your bills. Phone. Cable. Subscription services. And mor®. It's a great way to save time while building your Cashback Bonus~R). Visit Discovercard.com/Autobillpay to sign up today. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rotes RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1195.89 0.03696% 13.49% V 13.49% $13.70 $0 Cash Advances $0 0.05477% 19,99% F 19.993'0 $0 $0 The rates that apply to your Accourlf.~r~~it~ rh'x e;F) 4t th~1- fiAy rwhr ~1l) At n®t~A e)leye. ~ Manage your account at Discover.com or VISC.CV tK $1,283.59 I $26.00 I Enter Amount Enclosed Below Payment Due Date November 18, 2005 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 19 SDSN6A01 0003135 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 (~~rrr~~rrrrrr~~~r~rr~~rrr~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space (rr(r~~rr(rrr(r~(rrr(rr~r~rrr~~~~rrr~rr(rr~rr(~rr~rr(rr(r(rr~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268012835900100000002600 Discover Platinum Card Account Summary Closing Dnte: October 19, 2005 page 1 of 2 Account number ending in 2268 Previous Balance $1,297.46 Payment Due Date November 18, 2005 Payments And Credits 100.00 Minimum Payment Due $26.00 Purchases + 71.54 Credit Limit. $8,900.00 Cash Advances + 0.00 Credit Available $7,616.00 Balance Transfers + 0.00 Cash Credit limit $4,600.00 Finance Charges_ _ _ _ _ - + 14.59 Cash Credit Available $4,600.00 New Balance = $1,283.59 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 27.40 New Cashback Bonus This Period + 0.18 Cashback Bonus® Anniversary Month: September CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER to get your share of America's # 1 Cash Rewards Program. Cashback Bonus Balance 27.58 How Can We Hel YOU? 1 • Visit Discover.com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more ~tr5 your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (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 Dale Date Payments and Credits Oct 9 Oct 9 PAYMENT -THANK YOU $ -100.00 Merchandise/Retail Oct 3 Oct 3 WAUART SUPERCNT 002574 CARLISLE PA 12.07 Oct 5 Oct 5 ONSTAR SUBSCRIPTION 888-40NSTAR MI T6.95 010514855205277 Oct 14 Oct 14 JEWELRY TELEVISION 800-550-8393 TN 42.52 25363567 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.007959'0; corresponding ANNUAL PERCENTAGE RATE: 2.909'0. Rate is subject to the terms of the offer including expiration. Hey, Juniors) We are searching For outstanding high school juniors to apply For the Discover(R) Card Tribute Award(R) Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www.Diseovercard.eom/tribufe.htm. VIJ~r'' M' GIC N~7~ ~ -w Account uimbe~r ending in 22b8 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your stotement as soon as it's available rather thou wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ~{ li ~ ' Sign up today at 'i' Discovercom/paperless ;< 102009 Dixovar Dank, Ahember FDIC Closing Date: October 14, 2005 page 2 of 2 Auto Bill Pay is Discover(R) Card's free service For paying your bills. Phone. Coble. Subscription services. And more. It's a great way to save time while building your Cashback Bonus(R). Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily al n s Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE FINANCE CHARGES CHARGES current billing period: 30 days Purchases $1291.70 0.037643'0 13.74% V 13.74% $14.59 $0 Cash Advances $0 0.054779e 19.99% F 19.99% $0 $0 The rates that apply to your Aeeount are dither fixed fF~ or th•X mar vary (Y) qs Hated above. ~UeStIOnS.~ Manage your account at Discover.com or V~'L~:~V CK $1,515.14-v 19 SDSN6A01 0003136 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 $31.00 yr V V V y l Enter Amount Enclosed Below ~Vv Payment Due Date December 18, 2005 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.corrllpaperless. PO BOX 71084 Illrrrll"""III'I'~II'„I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I~~I~~I~~Ii~~I~II~~~I~~l~l~iillll~~~l~~li~l~~ll~~l~~l~~l~l~~ll above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. OODD01986451439387268015151400050000003100 Discover Platinum Card Account Summary Closing Date: November 19, 2005 page 1 of 2 Account number ending in 2268 Previous Balance $1,283.59 Payment Due Date December 18, 2005 Payments And Credits - 50.00 Minimum Payment Due $31.00 Purchases + 265.12 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $7,384.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 finance CharRes___ _ _ _ _ +_ _ _ 16.43 Cash Credit Available $4,600.00 New Balance = $1,515.14 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CashbOCk Bonus® Opening Cashback Bonus Balance $ 27.58 New Cashback Bonus This Period + 0.66 Cashback Bonus Balance $ 28.24 Cashback Bonus® Anniversary Month: September How Can We Hel I oU? P 1 • Visit Discover.com to pay your bill for no cost, view your t l A i f d a est ccount n ormation, earn an 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 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, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov b Nov b PAYMENT -THANK YOU $ -50.00 Merchandise/Retail Oct 28 Oct 28 KMART 7746 CARLISLE PA 1 p7,77 Nov 5 Nov 5 ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 010514855205308 Nov 6 Nov b QVC*3202764891 800-367-9444 PA 94.97 Nov 14 Nov 14 WALMRT SUPERCNT 002574 CARLISLE PA 45.43 Information.-For You Balance Transfer offer For current billing period; Daily Periodic Rate: 0.013429'0; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary ----- Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1408.53 0.037649'0 13.74% V 13.749'0 $16.43 $0 Cash Advances $0 0.054779'0 19.99% F 19.993', $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. iv~a-~. Y GR I ~.walnt~ V(716: onnivnhrtl, IUH 1~-4•Y~QY6R1 Account number ending in 2268 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: September 19 Balance Previous Cashback Bonus Award Balance $ 27.58 Purchase Award This Period + 0.66 Cashback Bonus Award Tota 28,24 Cashback Bonus Award Balance Award Available to Redeem 28.24 $ 20.00 Restrictions apply to th} Cgshback Bo~1us Palr~er ofhrs risif Diaow-.csm or edB 1•a60•DiSCOVER i l •A00.347.2683) for r~faih. For prsgtdm ditdils, ski ttli Ctlshbdtk Bonus Grogram Terms and Conditions. ~r~u we r~w~+uui i~unwm esiiuuiy ui two V~,LV tK $1,926.02 I $70.00 Enter Amount Enclosed Below Payment Due Date January 18, 2006 please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $31.00. 19 SDSN6A01 0003137 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Address, e-mail or telephone change8 Print change in space above, or go to Discover.com. Print your e-mail address fo receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.corrr/paperless. PO BOX 71084 IIlr.rll"""111'1.,11"'I CHARLOTTE NC 28272-1084 l~~l~ll~~l~~~l~ll~~~l~~l~l~~~llil~~~l~~l~~l~~ll~~l~~l~~l~l~~ll 000001986451439387268019260200000000007000 Discover Platinum Card Account Summary Closing Date: December {9, 2005 page 1 of 2 Account number ending in 2268 Previous Ba{once $1,515.14 Payment Due Date January 18, 2006 Payments And Credits 0.00 Minimum Payment Due $70.00 Purchases + 389.59 Credit Limit $8,900.00 Cash Advances + 0.00 973.00 Credit Available $6 Balance Transfers + 0.00 , Cash Credit Limit $4,600.00 Finance Char~es___ _ __ + 21.29 Cash Credit Available $4,600.00 New Balance = $1,926.02 You may be able to avoid Periodic Finonce Charges, sea the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 28.24 New Cashback Bonus This Period + 0.87 Cashback Bonus Balance $ 29.11 Coshback Bonus® Anniversary Month: September l Y ? H C W H 1. Visit Discover.com to pay your bill for no cost, view your p ou an e e ow latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-26831 for Fast, easy self-service M anager options or to speak with a Customer Service Account Please have your Discover Card available. 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 Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Nov 21 Nov 21 WALMRT SUPERCNT 001628 SANDUSKY OH $ 105.79 Nov 21 Nov 21 DAY BY DAY CAL020548b4 SANDUSKY OH 12.77 Nov 21 Nov 21 JOANN FABRIC #0211 SANDUSKY OH 83.04 Nov 23 Nov 23 WALMR7 SUPERCNT 002574 CARLISLE PA 75.42 Dec 5 Dec 5 ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 010514855205338 Other/Miscellaneous Dec l9 Dec 19 LATE FEE 39.00 Department Store -. Nov 21 Nov 21 J.CPENNEY ,STORE .0767 SANDUSKY OH 26.62 . Nov 21 Nov 21 SEARS ROEBUCK 2510 SANDUSKY OH 30.00 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 lima . We have terminated, however, any introductory or promotional rate on purchases and any special balance transFer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance TansFers. 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. Your account is past due. Please pay your minimum monthly payment plus the past due amount. V ~J`Mr• • CtC I.-~MurMK.w~~ u"ni~nhrti, iIJA ,~ Account number ending in 22h8 Get added security with na paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. Sign up today at Discovercom/paperless ~. X2009 Dixwer bank, Member FDIC Closing Date: December 19, 2005 page 2 of 2 Balance Transfer offer for current billing period: Daily Periodic Rate: 0.038333'0; corresponding ANNUAL PERCENTAGE RATE: 13.993'0. Rate is subject to the terms of the offer including expiration. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A-Wish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make•A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE la c s gates RATES RATES CHARGES current billing period: 30 days Purchases $1851.26 0.038335'0 13.499'0 V 13.999'0 $21.29 $0 Cash Advances $0 0.054779'0 19.999'0 F 19.999'0 $0 $0 The,rates that aaply to yp~ Act r1t,~Aft1 •ither fi~~ (F~ or they ratty veyry (V) ds nottld above. QUeStIOnS? Manage your account at Discover.com or .-n11 1_f1An_111tI"nvrn ri nnn n . UIJC.~V tK 'ss;aas.ii`v 19 SDSN8A01 0003138 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ..ru u . •~nwoi rn~uui`y ni ttva~ $47,00 ` Enter Amount Enclosed Below Payment Due Dafe February 18, 2006 please make check payyable to Discover Platinum Card or pay online Q Discovercard.com. Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive impoifant Account information and special otters. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 ~n{i~~n~ui~~~~ni~u~i~ni~~~~n~~u~n~u~~u~n~n~~~n~~ 000001986451439387268023427700075000004700 __ Discover Platinum Card Account Summary Closing Date: January 19, 2006 page 1 of 2 Account number ending in 2268 Previous Balance $1,926.02 Payment Due Date February 18, 2006 Payments And Credits - 125.00 Minimum Payment Due $47.00 Purchases + 516.95 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $6,557.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance C harges + 24.80 Cash Credit Available $4,600.00 _ _ _ _ __ New Balance _ __ _____ _ = $2,342.77 You may be able to avoid Periodic finance Chorges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 29.1 1 New Cashback Bonus This Period + 1.29 Cashback Bonus Balance $ 30.40 Cashback Bonus® Anniversary Month: September CONGRATULATIONS! Your Cashback Bonus(R~ is waiting for you. Visit Discovercard.com or call 1-800.DISCOVER to get your share of America's # 1 Cash Rewards Program. l Y H W H ? C - . visit Discover.com to pay your bill for no cost, view your C1n p ow e ou e latest Account information, earn and redeem rewards and more s fio hel ~t'S our choice - 3 wa 2. Call 1-BOaDISCOVER (347-2683) for fast, easy selfservice p y y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Dafe Dafe Payments and Crodits Dec 20 Dec 20 PAYMENT -THANK YOU $ -50.00 Jon 18 Jan 18 PAYMENT -THANK YOU -75.00 Merchandise/Retail Tan 5' Jan 5 ON5TAR SUBSCRIPTION 888•dONSTAR Ml 16.95 010514855206004 Servitss tan 10 Jan 10 LOPEZ NEUHARTH llP CARLISLE PA 500.00 information Far You Balance Transfer oFFer for current billing period: Daily Periodic Rate: 0.03901%; corresponding ANNUAL PERCENTAGE RATE: 14.243'0. Rate is subject to the terms of the offer including expiration. Pay your household bills with your Discover(R) Card. Phone. Cable. Subscription services. And more. It's a great way to save time while building your Cashback Bonus(Rj. VIJ~..V GK u lx+yaro unrti ~~inrti, ivM 1 D~SC~ YER• ~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-moil or text messages on your mobile phone. • Prini o paper copy of your statement anytime. :2009 Discover Dank, Member FDIC Closing Date: January 19, 2Q06 page 2 of 2 Through the generosity of our Cardmembers, Discover(R) Cord has donated more than $14 million to the Moke-A-Wish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FIN g°I°nces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2052.00 0.03901 % 14.249e V 14.24% $24.80 $0 Cash Advances $0 0.054779'e 19.99% F 19.99% $0 $0 Thy tabs that apply to,~s~wrwt ate +tithitr fixed (F)or tkRq ~tesy very (V~ as noted above. QUeStlOnS? Manage your account at Discover.com or ..III 7_onA nrc~nvrn ~, nnn .. .. ... I~ISC.N tlt $2,386.24yV I $48.00 yr V /v~ I Enter Amount Enclosed Below ~vv Payment Due Date March 18, 2006 Please make check payyable to Discover Platinum Card or pay online ~ Discovercard.com. 19 SDSN6A010003139 BARNHART , IDA Go paperless and make your account information more secure with password- 71 MOONGALE DR protected statements only you can access. CARLISLE PA 17013-2116 Learn more at discover.comlpaperless. PO BOX 71084 Illurlluunlllr~ullnrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changey Print change in space fi~I~~I~~`~~~I~Il~~il~i~~l~~~~ll~~~~~i~li~i~~~~~~~~~~~~~~~~~~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268023862400050000004800 Discover Platinum Card Account Summary Closing Date: February 19, 2006 page 1 of 2 Account number ending in 2268 Previous Balance $2,342.77 Payment Due Date March 18, 2006 Payments And Credits - 50.00 Minimum Payment Due $48.00 Purchases + 64.89 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $6,513.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges 28.58 + Cosh Credit Available $4,600.00 __ ___ New Balance __ __ = $2,386.24 Yov moy be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus'° Opening Cashback Bonus Bo{ance $ 30.40 New Cashback Bonus This Period + 0.16 Cashback Bonus® Anniversary Month: September Cashback Bonus Balance $ 30.56 How Can We Help You? 1 • Visit Discovrr.com to pay your bill for no cost, 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, easyselFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired} see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Dafe Payments and Crodits Jan 29 Jan 29 PAYMENT -THANK YOU $ -50.00 Merchandise/Retail tan 28 tan 28 DISCOUNT DRUG MART # HURON OH 25.71 Feb 6 Feb 6 ONSTAR SUBSCRIPTION 888-4ONSTAR MI 16.95 010514855206036 Automotive tan 29 tan 29 AUTOZONE #1849 CARLISLE PA 22.23 Information For You _ _ Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.909'e. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ian es Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2363.56 0.039019'° 14.2490 V 14.249'° $28.58 $0 Cash Advances $0 0.05477% 19.9990 F 19.9990 $0 $0 Thr rates that apply to your Account arr rithrr fixrd (F) ar thry may vary (V) as notrd above. Discover Card ranked # 1 in Fraud Protection Services among the largest credit card companies by Javelin Strategy & VW~..~:~;3V CK a.iusu~9 UpTB: o'+rtrvnr~rt~, WH I FebG1acy 19, 2006 I Account number ending in 2268 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: September 19 Balance Previous Cashback Bonus Award Balance $ 30.40 Purchase Award This Period + 0.16 Cashback Bonus Awar Total 30.56 Cashback Bonus Award Balance Award Available to Redeem 30.56 $ 20.00 Restrictions apply to th Cashback Bo us Part er ofhrs visit Dhcewr,esm or to{I 1.800-QISCOVER (1.804347-2693) for dfateils. Fer ptrsram e~etalls, see the C~ashbac~c Bonus program Terms and Con itions. UIJC,V tK $2,468.94vv ` $98.00,~~ , yr,'.~"~ /VV Payment Due Date April 18, 2006 19 SDSN6A010003140 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ., i •umuo. o ~ n~,y i iwv Enter Amount Enclosed Below Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $48.00. Go paperless and make your account information more secure wdh password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 III.r.ll"""111'1..11"'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print<hange in space ~~~~~IIr~1r~~i~~~~r~~r~~~l~~r~11~~~~ir~i~~~~,l~,rlii~rr~~li~~l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268024689400000000009800 Discover Platinum Card Account Summary Closing Date: March 19, 2006 page 1 of 2 Account number ending in 2268 Previous Balance $2,386.24 Payment Due Dote April 18, 2006 Payments And Credits - 0.00 Minimum Payment Due $98.00 Purchases + 55.95 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $6,431.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 finance Charges _,_ _ _ __._. __J____+__ _ __26.75 -- Cash Credit Available $4,600.00 New Balance = $2,468.94 You may be able to avoid Periodic finance Charges, see the reverse side For details. Cashback Bonus' Opening Cashback Bonus Balance $ 30.56 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 30.60 Cashback Bonus® Anniversary Month: September How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Mar b Mar 6 ONSTAR SUBSCRIPTION 888-40NSTAR MI $ 16.95 010514855206064 CNher/Miscellaneous Mar 19 Mar 19 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 hove terminated,. however, any introductory or promotional. rate. on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account iF you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.03970%; corresponding ANNUAL PERCENTAGE RATE: 14.499e. Rate is subject to the terms of the offer including expiration. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION * * * * * * * Yovr account is past due. Please pay the past due amount now, or contact us to make other arrangements. v1J~11. V CK u rota w nl~l r i Inn 1, 1 V/1 ~ QISCVER' I Account number ending in 2268 Get added security with no paper trail Make your accol.rnt information more secure with password-protected statements that only you cnn access. • Access up to 2d months of downloadabie, printable statements. • See your statement as soon as it's available rather thnn wait for it to arrive in your mailbox. • Get helpful payment reminders throuyh a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless ~; i I' '~ t{92009 Discover 6alrk, Member FDIC Closing Date: March 19, 2006 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billin8 period: 28 days Purchases $2407.57 0.039709'0 14.49% V 14.499e $26,75 $0 Cash Advances $0 0.05477% 19,9990 F 19,99% $0 $0 Th. ~ rgtPf that apgl~to rout AccpMnt qr~_~r firiq~gl (F) or thoy mpY very [\+) as nofo8 abevi. QUestlOnS? Manage your account at Discover.com or ....II ,_onn nie~...,~., I, ,,...... .., _. ~I~~``~~~~ $2,396.556 19 SDSN6A01 0003141 BARNHART, IDA 71 MOON6ALE DR CARLISLE PA 17013-2116 rune Huai i urnivn~ uv r~~wurn luau woi vnun~y ui t~.vu 548.00 ~ Enter Amount Enclosed Below Payment Due Date May 18, 2006 please make check paYable to Discover Platinum Card or pay online @ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~Ilr~~l~r~irrrlllrl~~ll~irl CHARLOTTE NC 28272-1084 Address, e-mail or felephane changed Print change in space I~~I~II~~I~~~I~II~~~I~~I~Ii~~IIII~~~I~iI~~I~~II~~~~~I~~~~I~~II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268D239655001200DODD4800 Discover Platinum Card Account Summary Closing Date: April 19, 2006 page 1 of 2 Account number ending in 2268 Previous Balance $2,468.94 Payment Due Date May 18, 2006 Payments And Credits - 120.00 Minimum Payment Due $48.00 Purchases + 16.95 Credit limit $8,900.00 Cash Advances + 0.00 Credit Available $6,503.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges - _ + 30.66 Cash Credit Available $4,600.00 _ New Balance _ _ _ = $2,396.55 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banus~ Opening Cashback Bonus Balance $ 30.60 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 30.64 Cashback Bonus® Anniversary - - - Month: September CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel YOU? P 1 • Visit Discover.com to pay your bill for no cost, view your l atest Account information, earn and redeem rewards and more It`s your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Far 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 Dote Date Payments and Crodits Apr 9 Apr 9 PAYMENT -THANK YOU $ -120.00 Merchandise/Retail Apr 5 Apr 5 ONSTAR SUBSCRIPTION 888.40NSTAR MI 16.95 010514855206094 Information For You Balance Transfer offer for currant billing period: Daily Periodic Rate: 0.01068°1e; corresponding ANNUAL PERCENTAGE RATE: 3.90°+'0. Rafe is subject to fhe terms of the offer including expiration. Discover Card ranked #1 in Fraud Protection Services among the largest credit card companies by Javelin Strategy & Research in its 2005 report. Your account is protected anytime, anywhere with a $0 head liability guarantee and we'll call you right away if there is unusual activity on your account. To learn more visit Discovercard.com/protection Use your DiscoverlR) Card to make a $100 donation to The Statue of Liberty-Ellis Island Foundation, lnc. and you can have the name of someone you care about engraved on The American Immigrant Wall of Honor(R), built to celebrate freedom and commemorate American Drsams. For more information lop on to Discovercard.com Manage your account your way -whether you prefer to speak with a live person or manage things on your own, Discover(R) ui~~v tK it pays ro unni ~~ inn i , wn D~SC*yyE~~ I Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through email or text messages on your mobile phone. • Print a paper copy of your statement anytime. _, s ~` Sign up today at Discovercom/paperless ':J2009 Discover bank, Member FDIC Closing Date: April 19, 2006 page 2 of 2 DISCOUNTED MOVIE TICKETS! Visit The Movie Club at vrww.cinemaseatsinc.com/discover fo purchase movie tickets good at major theatres across the U.S. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ale a Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2449.51 0.04038% 14.74% V 14.74% $30.66 $0 Cash Advances $0 0.054779a 19.9990 F 19.993'0 $0 $0 The rates that apply to your Acco nt or. dither Fi~r.d (f~ or th.r m.r ~otJr (VI a, noted ®bav.. QUeSt1o17S? Manage your account at Discover.com or IJiJ~.~~Y tK 'S2,aa%ao VV 19 SDSN6A01 0003142 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ............... . ..y.,,ou~ wo '.~wuni i vunivai esnwny ui ~aaru $97,00 I Enter Amount Enclosed Below Payment Due Date June 18, 2006 please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $48.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Ill~~~ll~r~~rrlll~lr~llrrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print change in space '~~I~II~~I~~~~~~I~~~I~~~rIi~~I~II~~~~~~'~~I~iI~~~I~~I~~Irl~~l~ above, or go to Discover.com. Print your e-mail address to receive important Account information and spacial offers. 000001986451439387268024818000000000009700 Discover Platinum Card Account Summary Closing Date: May 14, 2006 page 1 of 2 Account number ending in 2268 Previous Balance $2,396.55 Payment Due Date June 18, 2006 Payments And Credits - 0.00 Minimum Payment Due $97.00 Purchases + 55.95 Credit limit $8,900.00 Cash Advances + 0.00 Credit Available $6,418.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges + 29.30 Cash Credit Available $4,600.00 New Balance = $2,481.80 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonvs Balance $ 30.64 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 30.68 a Cashback Bonuses Ariniversary _ Month: September ~/ How Can We Hel 1 oU? P 1. Visit Diseover.com to pay your bill for no cost, view your l t A f d d ates ccount in ormation, earn an re eem rewards and more It's your choice - 3 ways to help 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, Salf Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail May 5 May 5 ONSTAR SUBSCRIPTION 888-40NSTAR M1 $ 16.95 100000001213283 CNher/Miscellaneous May 19 May 19 LATE FEE 39.00 Information For You While wa are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we-have chosen not to do so at this time. We have terminated, however, any introductory. or promotional. rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchwses and balonce 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. Sae the Default Rate Plan section of the Cardmember Agreement for details. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04038%; corresponding ANNUAL PERCENTAGE RATE: 14.743'0. Rate is subject to the terms of the offer including expiration. ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION * * * * * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. VeJLrY tK ~i N.rTa rv I DiS~'~VER' I Account number ending in 22b8 Get added security with no paper trail Make your account information more secure with password-protected statements that only you con access. • Access up io 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Prirtt a paper copy of your statement anytime. cfl2009 Diuwar Bank, Member FDIC Closing Date: May 19, 2006 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCEMAGE FINANCE FINANCE 1'~{ .n~~3 Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2419.14 0.040383'0 14.74 V 14.745'0 $29.30 $0 Cash Advances $0 0.05477% 19.999'0 F 19.995'0 $0 $0 Thy. rates that apply to ~rour Account ors eithrr fiz~d IF) or they may vary (V) es noted above. QUeStlonS? Manage your account at Discover.com or uri.ioi.. ,,,,o r.~..~uiii i.,,i~i,.o~ ~,u,,,y iii ~<.,.. $2,433.01 ~~ y $49.00 ` Enter Amount Enclosed Below Payment Due Date July 18, 2006 Please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. 19 SDSN6A01 0003143 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 III"'II"rirrlllrlrrll"'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I~~~~II~~I~~~'~I'~~~Iiil~~~~~~~~Ii~~l~~l~~l~~~~~~~~~~ii~i~ii~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OODD01986451439387268D243301DDDSSOODOD4900 Discover Platinum Card Account Summary Ciosing Date: June 19, 2006 page 1 of 2 Account number ending in 2268 Previous Balance $2,481.80 Payment Due Date July 18, 2006 Payments And Credits - 97.00 Minimum Payment Due $49.00 Purchases + 16.95 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $6,466.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges + 31.26 Cash Credit Available $4,600.00 New Balance = $2,433.01 You may be able to avoid Periodic Finan ce Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 30.68 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 30.72 Cashback Borius~ Anniversary Month: September CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800-DISCOVER (1.800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It~S yOUr ChOICB - 3 Ways t0 help 2. Call 1.800-DISCOVER (347-2683) (or fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits May 25 May 25 PAYMENT -THANK YOU $ -55.00 Jun 17 Jun 17 PHONE PAYMENT -THANK YOU -42.00 M~rchandiss/R~tail Jun S Jun 5 ONSTAR SUBSCRIPTION 888.40NSTAR MI 16.95 100000002618964 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.04107°0; corresponding ANNUAL PERCENTAGE RATE: 14.999'0. Rate is subject to the terms of the offer including expiration. Congratulations to the 2006 National Discover(R) Card Tribute Award(R) Scholarship winners: Jacqueline Bavier, Stephen Carlson, Winter Downing, Tyler Fortney, Bethany Lyon, Monika Mackow, Desiree Nelson, Seth Robinson, Williom Stone, and Tess Stoops. Each won $27,500 For post high-school education or training. Visit Discovercard.com/tribute Get set for Fall. Get 59e Cashback Bonus(R). Use your Card July to September at Gap, Kohl's, Marshalls(RI, T.J,Maxx(RI, vIJ~.'Y CR ~ Nura ru I unnivnr~rt~, IVH r)K ~'°tVFR• Account number ending in 2268 Get added security with no paper trail Moke your account information more secure with password•protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mnilbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone, • Print a paper copy of your statement Anytime. _ ~:: I ~~ Sign up today at Discover.com/paperless t~2004 Dixover Bank, Member FDIC Closing Data: June 19, 2006 page 2 of 2 Discovercard.com provides you with the easiest online self-service options that put you in conhol of your account. Make a payment today or schedule one in advance. Sign up for timely a-mail reminders to help you avoid leas. Easy account management is just a click away! Register or log in to Discovercard.com/register Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fae Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al c s gates RATES RATES CHARGES CHARGES current bi{ling period: 31 days Purchases $2454.95 0.041079e 14.99% V 14.999`0 $31.26 $0 Cash Advances $0 0.05477% 19.999e F 19.99% $0 $0 The rates that apply ro. Yot+r.~c+vtot.i;~r fi (F) or thrlr mall rely jV) es noted aBrs~1. Manage your account at Discover.com or nvrn r, n.,., .. VIJ~.` V CK $314.24 ~v 19 SDSN6A01 OOD3144 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ..r...o.u wo r.~wurn rwm~nr nnavrg m ccvo $15.00 I Enter Amount Enclosed Below Payment Due Date August 18, 2006 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Ill~~rll~~r~~~lllr~~rll~~r CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space Irrlrfl~rlrrrlrllrrrl~r)r'rr~llll~rrlrr~rrlrillrr'irlirlilrrl) above, or go to Discover.com. Print your e-mail address to receive important Account inFormation and special offers. 000001986451439387268003142402440000001500 Discover Platinum Card Account Summary Closing Date: July 19, 2006 page 1 of 2 Account number ending in 2268 Previous Balance $2,433.01 Payment Due Date August 18, 2006 Payments And Credits - 2,440.00 Minimum Payment Due $15.00 Purchases + 291.97 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $8,585.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges + 29.26 Cash Credit Available $4,600.00 New Balance = $314.24 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback 8onus~ Opening Cashback Bonus Balance $ 30.72 New Cashback Bonus This Period + 1.05 Cashback Bonus Anniversary Monfh: September CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347.2683) to get your share of America's #1 Cash Rewards Program. Cashback Bonus Balance $ 31.77 How Can We Hel You? P 1. Visit Dis<over.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) for fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jul 19 Jul 19 PAYMENT -THANK YOU $ -2,440.00 MerchandiseJRetail Jul 4 Jul 4 KMART 7746 CARLISLE PA 8.46 Jul S Jul 5 ONSTAR SUBSCRIPTION 888•dONSTAR MI 16.95 100000004128753 Jul 1 1 Jul 1 1 WAl-MART SC - #2574 CARLISLE PA 53.04 Jul 11 Jvl 1 1 ECKERD DRUG #6672 CARLISLE PA 14.09 Jul 1 1 Jul 1 1 JOANN FABRIC #0404 CARLISLE PA 28.41 Supermarkets Jul 3 Jul 3 GIANT FOOD STORES #1 12 CARLISLE PA 137.02 Jul 9 1ul 9 NELL'S-SPRINGROAD SNS CARLISLE PA 34.00 Information For You Balance Transfer oFFer For current billing period: Daily Periodic Rate: 0.021 b49o; corresponding ANNUAL PERCENTAGE RATE: 7.909'0. Rate is subject to the terms of the oFFer including expiration. Sign up now and get 59o Cashback Bonus(R) with the Get More program when you use your Discover(R) Cord to buv fall _-.-.. a. ..I. .r -- _.. - _..__ VIJI.`~V CK u pays to nn~ a inn ~, wn ~--^DJSC$ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rattier than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless t~2009 Discover Bank, Member FDIC Closing Date: July 19, 2006 page 2 of 2 Shop confidently. Your Discover(R) Card has you covered with Complete fraud Protection for your peace of mind. With our advanced Fraud warnings, you'll know right away iF any suspicious activity occurs. And iF someone makes fraudulent charges with your card, our $0 fraud liability guarantee means you're not responsible. Check out Shop Discover Card at Discovercard.com/shop for discount offers from your Favorite online retailers. finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a~lances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2336.29 0.041759'0 15.211% V 15.24% $29.26 $0 Cash Advances $0 0.05477% 19.99% F 19.999:, $0 $0 Th}„ raps that apply tg~oyr./tce*wnt,gr~ either Fixed (f)or they mey vmry (V) qs nahd above. QU@St10nSF Manage your account at Discover.com or UISC.Y tK o.. ~.. ~..~o ~,., I ,,,.,,,y , . ~..,,., $96.66 L$15.00 ~~,~~ VV6 Enter Amount Enclosed Below Payment Due Date $ -1 September 18, 2006 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 19 SDSN6A01 0003145 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Address, email 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illu~llnuulllrlnllurl CHARLOTTE NC 28272-1084 I~~I~li~~l~~~l~ll~~~l~~l~l~~~llll~~~l~~l~~l~~tl~~l~~l~~l~l~~ll 000001986451439387268000966600314240001500 Discover Platinum Card Account Summary Closing Date: August 19, 2006 page 1 of 2 Account number ending in 2268 Previous Bolance $314.24 Payment Due Date September 18, 2006 Payments And Credits - 314.24 Minimum Payment Due $15.00 Purchases + 96.66 Credtt limit $8,900.00 Cash Advances + 0.00 Credit Available $8,780.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 anee Charges Fin + 0.00 Cash Credit Available $4,600.00 _ ___ _ _ ____ _ New Balance ,_ ___ = $96.66 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 31.77 New Cashback Bonus This Period + 0.48 Cashback Bonus Balance $ 32.25 Cashback Bonus® Anniversary Month: September How Can We Help You? 1. Visit Dis<over.com to pay your bill for no cost, 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 self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Aug 2 Aug 2 PAYMENT -THANK YOU $ -314.24 Merchandise/Retail Aug 5 Aug 5 ONSTAR SUBSCRIPTION 888.4ONSTAR MI 16.95 100000005685769 Aug 16 Aug 16 SUPER SHOE #7 MECHANICSBURGPA 79.71 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02164°l0; corresponding ANNUAL PERCENTAGE RATE: 7.90%. 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 FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.041753'° 15.249'° V 15.24% $0 $0 Cash Advances $0 0.054779'° 19.99°I° F 19.999'° $0 $0 previous billing period: 30 days Purchases $0 0.041759'° 15.24% V 15.249'° $0 none The rotes that apply to your Account an either fixed (F) or they may very (V) as noted above. V1Ji.°'Y CK y vuie: univv~ inR1, IVM Account number ending in 2268 page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: September 19 Balance Previous Cashback Bonus Award Balance $ 31.77 Purchase Award This Period + 0.48 Cas back Bonus Awar Total 32.25 Cashback Bonus Award Balance Award Available to Redeem 32.25 $ 20.00 estrictions a pl to th* Cgefibock Beene Pertr~er eFfere visit ~ieteWr.eam or call F•800-DiFiCClVEFt ~F-8bQ~47-2683) For •1611e. For ~rb~tam details, sea the Cashback Bonus tsrogram Terms and Conditions. VIJC.Y tK unrvui ~ uyiuoni vvo nwvurn ~vun way anuuiy m ituu $252.31V ~~ I $15.00 ` Enter Amount Enclosed Below Payment Due Date Ocober 18, 2006 please make check payable to Discover Platinum Card or pay online ~ D"iscovercard.com. 19 SDSN6A01 0003146 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Ga paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changer Print change in space i~~~~Il~~~~~~1~~~~~il~~~~~~~~1~~~~~~~~~~~~~i~~~~~l~~l~~l~~~~l~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special oFFers. D000019864514393872680D25231000300D00015D0 Discover Platinum Card Account Summary Closing Date: September 19, 2006 page 1 of 2 Account number ending in 2268 Previous Balance $96.66 Payment Due Date October 18, 2006 Payments And Credits - 66.96 Minimum Payment Dve $15.00 Purchases + 219.11 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $8,647.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges + 3.50 Cosh Credit Available $4,600.00 New Balance = $252.31 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 32.25 New Cashback Bonus This Period + 0.91 Cashback Bonus Balance $ 33.16 Cashback Bonus® Sirice Anniversary Month September: $5.76 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, 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 selFservice options or to speak with a Customer Service Account Manager Please hove your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired} see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Crodits Aug 28 Aug 30 TARGET STORES T 2099 CARLISLE PA $ -36.96 Sep 12 Sep 12 PAYMENT -THANK YOU -30.00 MsrchandissJRetail Aug 17 Aug 20 SUPER SHOE #7 MECHANICSBURGPA 23.99 Aug 19 Aug 20 THE SHOE DEPT 0687 CARLISLE PA 24.98 Aug 25 Aug 25 TARGET STORES T 2099 CARLISLE PA 153.19 Sep 5 Sep 5 ONSTAR SUBSCRIPTION 888.40NSTAR MI 16.95 100000007267894 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 60606-bb 13. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.013423'0; corresponding ANNUAL PERCENTAGE RATE: d.90 0. Rate is subject to the terms of the offer including expiration. Get 5% Cashback Bonus(R) from October to December at restaurants, movies theaters and rental stores; and on books, music VIJ~.,'Y CK Account number ending in 2268 Get added security with no paper trai{ Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than woit for it to arrive in your mailbox • Get helpful payment reminders through a-mail or 3ext messages on your mobile phone. • Print a paper copy of your statement anytime. 1rJ2009 Discover Oank, Member FDIC Closing Date: September 19, 2006 page 2 of 2 Shop confidently. Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. With our advanced Fraud warnings, we'll call you right away iF there's unusual activity on your account. And iF someone makes fraudulent charges with your card, our $0 kaud liability guarantee moons you're not responsible. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $251.27 0.041759e 15.245'e V 15.24% $3.26 $0 Cash Advances $0 0.054779e 19.99% F 19.94% $0 $0 previous billing period: 31 days Purchases $18.52 0.04175% 15.24% V 15.24% $0.24 none The r es thatp alr to rovr Accovr~e .i r E(tit* (F) er tllllr mer very (V) at: naf•d ebe~e. Questions? Manage your account at Discover.com or ,.~II 7 Onn nrr~~+v~n „ nni. n ,~ .+ ... .., VIJC.VtK 'SeSe:eev'"` t9 SDSN6A010003147 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ..rn r~~wurn ivvuiwi vnwny ui caw $21.00 ~ ~ Vvo I Enter Amount Enclosed Below Payment Due Date November 18, 2006 please make check pa able to Discover Platinum Card or pay online ~ Discovercard.com. Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illrrrll""~rlllrl..Il"'I CHARLOTTE NC 28272-1084 lul~lluln~l~llu~lul~lu~ll~l~ulnlnlu~lnln~ul~ln~l 000001986451439387268008568800015000002100 Discover Platinum Card Account Summary Closing Date: Ocrober 19, 2006 page 1 of 2 Account number ending in 2268 Previous Balance $252.31 Payment Due Date November 18, 2006 Payments And Credits - 15.00 Minimum Payment Due $21.00 Purchases + 614.03 Credit Limit $8,400.00 Cash Advances + 0.00 Credit Available $8,043.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance Charges + 5.54 Cash Credit Available $4,600.00 ----..._----- ------------- New Balance --------.......---- = $856.88 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 33.16 New Cashback Bonus This Period + 1.54 Cashback Bonus Balance $ 34.70 Cashback Bonus® Anniversary - Month: September CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel You? P 1 • Visit Discovsr.com to pay your bill for no cost, view your l A f d d d ccount in atest ormation, eam an re eem rewar s and more It's your choice - 3 ways to help 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 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Snlt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Oct 11 Oct 1 1 PAYMENT -THANK YOU $ -15.00 Merchandise/Retail Oct 5 Oct 5 _. ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 100000008868113 Oct 8 Oct 8 SUPER SHOE #7 MECHANICSBURGPA 87.46 Oct 12 Oct 12 TARGET STORES T 2099 CARLISLE PA 42.20 Oct 13 Oct 13 TARGET STORES T 2099 CARLISLE PA 105.98 Oct 15 Oct 15 BATH&BODY CARLISLE PA 32.33 Oct 15 Oct 15 GANDER MOUNTA100102186 HARRISBURG PA 124.07 Supermarkets Sep 28 Sep 28 GIANT FOOD STORES # 1 12 CARLISLE PA 104.90 Oct 17 Oct 17 SAYLORS NEWVIULLE PA 100,14 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation Form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 Sovfh Riverside Plaza Suite 2100, Chicago, Illinois 60606.6613. Manage your account your way -whether you prefer to speak with a live person or manage things on your own, Discover(Rl VIJ~.V CK I u~,,K,ura ro unnlvrtrrtl, IvN ~ ~1 ~,~~~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you con access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as ii's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. '~ Sign up today at Discover.com/paperless R X2009 Dixwor 6artk, Member FDIC Closing Date: October 19, 2006 page 2 of 2 Balance Transfer offer for current billing period: Daily Periodic Rate: 0.013429e; corresponding ANNUAL PERCENTAGE RATE: 4.9096. Rate is subject to the terms of the offer including expiration. Discovercard.com provides you with the easiest online self-service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up For timely e-mail reminders to help you avoid Fees. Easy account management is just a click awayl Register or log in to Discovercard.cam/registerrnyaccount Hey, Juniorsl We are searching For outstanding high school juniors to apply for the DiscoverlR) Card Tribute Award(R) Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at wv+w.Discovercard.com/tribute Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINA ~S FINA GES IBa antes Rates RATES RATES C~ ~~ current billing period: 30 days Purchases $442.30 0.041759'0 15.24% V 15.249e $5.54 $0 Cash Advances $0 0.054779a 19.99% F 19.99% $0 $0 The rates. that apply toyouur Account er}, Ri~.f't~l~lfl,or they mey very (V) ®s nebal abevs. QUeStlOnS? Manage your account at Discover.com or vyn vie ~u ~~~iuuei enuuiy ui t~~+u . wn v~..~rnv r.unui n . ienr r~wvu U~~C.:V tK $1,418.28 $33.00 ~ Enter Amount Enclosed Below Payment Due Date December i8, 2006 Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 19 SDSN6A01 0003148 Go paperless and make your account BARNHART, IDA information more secure wdh password- 71 MOONGALE DR protected statements only you can access. CARLISLE PA 17 D 13- 2116 Learn more at discover.comlpaperless. Address, a-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 71084 III..rll"""111'1..11"'I CHARLOTTE NC 28272-1084 Inl~lluln~l~lln~lul~1u~1111u~1n1r,ir,l1n1u1u1~lnll 000001986451439387268014182800021000003300 Discover Platinum Card Account Summary Closing Date: November 19, 2406 page 1 of 3 Account number ending in 2268 Previous Balance $856.88 Payment Due Date December 18, 2006 Payments And Credits - 21.00 Minimum Payment Due $33.00 Purchases + 565.39 Credit limit $8,900.00 Cash Advances + 0.00 Credit Availab-e $7,481.00 Balance Transfers + 0.00 Cash Credit Limit $4,600.00 Finance CharBes___ _ + 17.01 Cash Credit Available $4,600.00 New Balance = $1,418.28 You may be able to avoid Periodic Finance Charges, see tha reverse side for details. Cg5116gC1C BOnUSm Cashkidck Borius® Anniversary" Month: September Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance ~ 34.70 + 1.41 $ 36.11 Y H l ? 1 • Visit Discover.com to pay your bill for no cost, view your p ou e How Can We latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-26831 for Fast, easy self-service t M A S ervice options or to speak with a Customer anager ccoun Please have your Discover Card available. 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 Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodih Nov 7 Nov 7 PAYMENT -THANK YOU $ -21.00 Merchandise/Retail Oct 19 Oct 20 BOOKS ARE FUN YORK PA 50.$1 Oct 22 Oct 22 QVC*332014528001 * 800-367-9444 PA 24.91 Oct 22 Oct 22 TARGET STORES T 2099 CARLVSLE PA 66.89 Oct 24 Oct 24 PATRIOT-NEWS CO: CIRC. 717.255-8107 PA 130.00 Ckt 31 Oct 31 WAL-MART SC • #2574 CARLISLE PA 121.29 Nav 2 Nov 2 DICK'S SPORTINGGOODS HAMPDEN TOWNSPA 19.98 Nov 5 Nov 5 ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 1000000104133740 Restaurants Nov 2 Nov 2 BONANZA, CARLISLE CARLISLE PA 44.00 Supermarkets Oct 22 Oct 22 GIANT FOOD STORES #1 12 CARLISLE PA 90.56 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.903'0. Rate is subject to the terms of the offer including expiration. Cut back on mai{box clukerl Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, yov can pay your bill quickly and easily. Sign up at Discovercard.com/ps VIJ~.Y CK ~,y unni~nr~rti, wry L ~~ ~~~R• ~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you con access. • Access up to 24 months of downloadable, printable statements. • See your statement as soap as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytirne. t~a2009 Dixover bank, Member FDIC_ Closing Date: November l9, 2006 page 2 of 3 Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Make-A-Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(RI to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit Wish.org Visit ShopDiscover at Discovercard.com/shop to earn odditional Cashback Bonus(R) when you shop online. You will Find great offers from retailers like Barnes and Noble, FTD, Magazines.com and morel Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ¢alances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1314.08 0.04175% 15.2430 V 15.249'a $17.01 $0 Cash Advances $0 0.054773'0 19.99% F 19.993'0 $0 $0 The rates that ap ly to.your Account pre ~ith~r fixed (f)or Ihey mar vary (N) a~ noted ohwve, QUeStlOnS? Manage your account at Discover.com or --.rr ~ n.,n .,............ ,. .. .. ,, ,.._ - . - _. VI,C.YtK ~iosmg vare• ~~~~~~~inn~, ivr+ Novem r 19,2006 ~ Account number ending in 2268 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: September 19 Balance Previous Cashback Bonus Award Balance $ 34.70 Purchase Award This Period + 1.41 Cas ac Bonus Award Tota 36.1 1 Cashback Bonus Award Balance Award Available to Redeem 36.11 $ 20.00 estrictions a pl to th}} Cgqshbock Po us PortliRer offers visit Dutw~r.eom yr call 1.800•DI9CAY6Fi (1.900-347.2643) for Otdlls. Fer ~ro~rtlm tletalls, see the ~ashback Bonvs ('rogram Terms and Conditions. _ _._,.__ ,,,,,,,,,,,,,,, , ~r,,,oni we Hccounr ivumder ending in '1"168 VIJ~.Y CK $8,761.74 $174.00 _~~ Enter Amount Enclosed Below Payment Due Date $ ~-~ lanuary 16, 2007 Please make check gyaable to Discover Platinum Card or pay online ~Discovercard.com. 19 SDStJ6A01 0003149 BARNHART, IDA nfoPmation mot secu eywith password- 71 MDON6ALE DR pprotected statements only you can access. CARLISLE PA 17 013 - 2116 Leam more at discover.comlpaperless. Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your a-mail address to receive important Account information and specinl offers. PO BOX 71084 Illnillunn{{Idnl{url CHARLOTTE NC 28272-1084 I~~lilliil~i~liil~ril~rlrl~rrllllr~~l~rl~rl~~ll,~I~r{r~l~lr~ll OOOD0198b45143938726808?61740004DDOD01740D Discover Platinum Card Account Summary Closing Date: December 19, 2006 page 1 of 2 Account number ending in 2268 Previous Balonce $1,d18.28 Payment Due Date January 18, 2007 Payments And Credits - 44.52 Minimum Payment Due $174.00 Purchases + 72.20 Credit Limit $8,900.00 Cash Advances + 7,000.00 Credit Available $138.00 Balance Transfers + 0.00 Cash Credit limit $8,000.00 finance Cha_r2ss `_ _ 315.78 + Cash Credit Available $138.00 New Balance _ $8,761.74 You may be able to ovoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus Opening Cashback Bonus Balance $ 36.1 1 New Cashback Bonus This Period + 0.10 Cashback Bonus Balance $ 36.21 Cashback Bonus® Annivetsa7y _ _ . Month: September CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1.800.DISCOVER (1-800.347.2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit Discover.com to pay your bill fer no cost, view ur latest Account information, earn and redeem reward and more It`s your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance For hearing impaired) see reverse side 2. Call 1-BOaDISCOVER (347-2683) Far fort, easy self service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Sah take City, UT 84130 Transactions $0 Fraud liabflfty Guarantee Use your Discover Card with confidence. Trans. Post Dote Dais Payments and Credits Dec 5 Dec b ONSTAR SUBSCR{PTION 888-dONSTAR MI $ -4.52 100000012124293 - Dec 15 Dec 13 PAYMENT -THANK YOU =40.00 Merchandise/RetaN Nov 24 Nov 24 ONSTARHANDSFREECAWNG 877.879-6612 MI 18.34 000100014474486 Dec 9 Dec 9 ONSTAR SUBSCRIF'T10N 888-dONSTAR MI 24.86 100000012396084 Ofhsr/Miscellaneous Nov 23 Nov 23 CASH ADV RTRN CHK FEE #0067 29.00 Cash Advances Nov 28 Nov 28 CASH ADVANCE CHECK #0067 7,000.00 Nov 28 Nov 28 CASH ADVANCE TRANS FEE FINANCE CHARGE 210.00 Information For You Balance Transfer offer for current billing period: Doily Periodic Rate: 0.016169e; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. UISt;t~.~ V tK u puya w .~.~ ., ~..,. , , . D~SCV~R- Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements, • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. Sign up today at Discovercom/paperless ' ~. ' 1;2009 Discover bank, Memrer FDIC Closing Date: December 19, 2006 page 2 of 2 Cut back on mailbox clutter! Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Mako-A-Wish Fovndation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit Wish.org Visit ShopDiscover at Discovercard.com/shop to earn additional Cashback Bonus(R) when you shop online. You will Find great oFFers from retailers like Barnes and Noble, FTD, Magazines.com and morel Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily elan Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 30 days Purchases $1469.46 0.04175% 15.249b V 15.24% $18.40 $0 Cash Advances $5317.85 0.054779b 19.999; F 50.979'0 $87.38 $210.00 Th~,r,4t~e thI,lr,to froMt count en either Flxed (F) or they may very (V) as Hated above. QUeStlOnS? Manage your account at Discover.com or VW~.'Y CK Sa,746.G1 19 SDSN6A01 D003150 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ................ „~,..,,,,, ,,,,o n~wurn rvumoer enamg m LLOC 5173.00 ~ Enter Amount Enclosed Below Payment Due Date Febnrary 18, 2007 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure month password- protected statements only you can access. Learn more at discover.comfpaperiess. PO BOX 71084 {{isss{{user{{{s{u{{ns{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changey Print change in space (r,(r((rr(rri(riisrrirsir(rrs{i{{rrr(rr(rr(rr(irs{rsirr{r{rr{i above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OODDD1986451439387268D87486100174000017300 Discover P{atinum Card Account Summary Closing Date: January 19, 2007 page 1 of 2 Account number ending in 2268 Previous Balance $8,761.74 Payment Due Date February 18, 2007 Payments And Credits - 174.00 Minimum Payment Due $173.00 Purchases + 16.95 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $151.00 Balance Transfers + 0.00 Cash Credit Limit $8,000.00 Finance Charc~ss _+___! ,_+ _ _ 143.92 Cash Credit Available $151.00 New Balance $8,748.61 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbac{c 6onus~ Opening Cashback Bonus Balance $ 36.21 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 36.25 Cashback 8onustl~ Anniversary Month: September CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800.DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. 1. Visit Discovsr.com to a ur bill for no cost, view our How Can We Help You? latest Account information earn and redeem rewards and more it's your choice - 3 ways to help 2• Call 1-800.DISCOVER (347-2683) for fast, easy self-service Please have our Discover Card available. options or to speak with a Customer Service Account Manager Y 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired] see reverse side Salt Lake City, UT 84130 Transactions SO Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Dais Payments and Crodits Jan 18 Jan 18 PAYMENT -THANK YOU $ -174.00 Services Jan 9 Jan 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 100000014094575 Information For You Balance Transfer offer for current billing period: Daily Periodic Rata: 0.016169'0; corresponding ANNUAL PERCENTAGE RATE: 5.9090. Rate is subject to the terms of the offer including expiration. Cut back on mailbox cutter! Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Through the generosity of our Cardmembers, Discover(RJ Card has donated more than $15 million to the Make-A-Wish Foundation(R). You can make a child's drwm come true by electing to donate your Cashback Bonus(R) to the Maks•A-Wish Foundation. To Isarn how, please visit Discovercard.com or ri~it Wiih.org UIJI.~.~?VtK wry r~ ~~.~ , ~ ~,.~. ~ , ~ ~., r't~~ yER' ~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today ak Riscovercom/paperless , i, ---_.~~_ U2(NJ9 Discover !Sank, Mrmber FDIC Closing Date: January 19, 2007 page 2 of 2 Visit ShopDiscover at Discovercard.com/shop to earn additional Cashback Bonus(R) when you shop online. You will find great offers from retailers like Barnes and Noble, FTD, Magazines.com and more! Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1468.37 0.041759a 15.2450 V 15.24% $19.00 $0 Cosh Advances $7357.65 0.054775'e 19.99% F 19.999'0 $124.92 $0 Th .. ft awl to yorr Aeaount are either fixed {f) ar they may vary (V) as nateel abave. ! A QU@StiOnS? Manage your account at Discover.com or L)15C,Ntlt $8,735.95~V 19 SDSN6A01 0003151 BARNHART, IDA 71 MDDNGALE DR CARLISLE PA 17013-2116 uru~oiu a nwvuni i~umonr anamg in LLVo $172.00 ~ Enter Amount Enclosed Below Payment Due Dafe March 18, 2007 please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discoveccomlpaperless. PO BOX 71084 III"'ll"""111'1"II„'I CHARLOTTE NC 28272-1084 ~nl~lluln~~i~lniln~i~n~llll~u~u~n~n~~u~n~u~i~u~~ 000001986451439387268087359500173000017200 Discover Platinum Card Account Summary Closing Date: February 19, 200T page 1 of 2 Account number ending in 2268 Previous Balance $8,748.61 Payment Due Date March 18, 2007 Payments And Credits - 173.00 Minimum PaymentDve $172.00 Purchases + 16.95 Credit limit $8,400.00 Cash Advances + 0.00 Credit Available $164.00 Balance Transfers + 0.00 Cash Credit Limit $8,000.00 Finance Char~lc es + 143.39 Cash Credit Available $164.00 _ _ _ New Balance $8,735.95 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus'° Opening Cashback Bonus Balance $ 36.25 New Cashback Bonus This Period + 0.04 Cashback Bonus Balance $ 36.29 Cashback Bonuses Anniversary _ . _ ... .. Month: September How Can We Hel 1 Ou .~ p 1 • Visit Discowr.com to pay your bill for no cost, view your t t A l t i f t d d d d It's your choice - 3 ways to help a ccoun es n orma ion, earn an re eem rewar s an 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 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sea reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credih Feb b Feb b PAYMENT -THANK YOU $ .} 73,p0 Services Feb 9 Feb 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 100000015825621 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.013429'0; corresponding ANNUAL PERCENTAGE RATE; 4.9.0 0.. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1262.34 0.041759'0 15.249'0 V 15.249'0 $16.33 $0 Cash Advances $7483.60 0.054779`, 19.9990 F 19.999'0 $127.06 $0 The rates that apply !o your Account are either fixed (F) or they maq very (V) as noted above V'~~pi~~_ I ~~ t.1051r19 VOTE: unwv~ ~Mn~, ivM v ~r~arv 19~~07' Account number ending in 226$ page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: September 19 Balance Previous Cashback Bonus Award Balance $ 36.25 Purchase Award This Period + 0.04 Cash ack Bonus Award Total 36.29 Cashback Bonus Award Balance Award Available to Redeem 36.29 $ 20.00 RRestrictions apply to th• ~shrack io us Portr~s- often visit f)ixawr,tsm or to 11.800•i51$COVEft (1.800.347.2683) for ditdils. For program details, sae the Cashback Bonus program Terms and Conditions. urnie~u vvo n~wvrn ~~univer enamg m ccvo VISC,V tK 536.36 v ~V ~ 515.00 ` Enter Amount Enclosed Below Payment Due Date $ -~ AprN 18, 2007 please make check payyable to Discover Platinum Card or pay online ~ Discovercard.com. 19 5DSN6A01 0003152 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.coMpaperless. PO BOX 71084 III...II"""111'1..11"'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print change in space 1rr1~ilrrlr~rl~lirrrl~rlrlrrr1111rr~l~rir~lrrllrrlr~l~rl~l~r11 above, or go to Discover.com. Print your e-mail address to receive impoNant Account information and special offers. OODDD19864514393872680003b3608748D000015DD __ Discover Platinum Card Account Summary Closing Date: Mnrch 19, 2007 page 1 of 2 Account number ending in 2268 Previous Balance $8,735.95 Payment Due Date April 18, 2007 Payments And Credits - 8,748.00 Minimum Payment Due $15.00 Purchases + 16.95 Credit Limit $8,900.00 Cash Advances + 0.00 Credit Available $8,863.00 Balance Transfers + 0.00 Cash Credit Limit $8,000.00 nce Charges Fpra + 3 1.46 Cash Credit Available $8,000.00 _ New Balance _ $36.36 You may be able to avoid Periodic finance Charges, see the reverse side for details. Cashbock Bonus® Opening Cashbock Bonus Balance $ 36.29 New Cashbock Bonus This Period + 0.04 Cashbock Bonus® Anniversary Month: September Cashbock Bonus Balance 36.33 CONGRATULATIONSI Your Cashbock 8onus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1. Visit Diacovsr.cam to pay your 6111 for no cost, 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) far fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 27 Feb 27 PAYMENT -THANK YOU $ -8,748.00 Services Mar 9 Mar 9 ONSTAR SUBSCRIPTION 888.4ONSTAR MI 16.45 - 10000001760592.6 _ . Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4,90%. Rate is subject to the terms of the offer including expiration. Get the flexibility of a home equity credit line with the certainty of a fixed-rate loan) The new Discover Hom® Equity Line of Credit is guaranteed never to increase more than 1.50 percentage points over your initial rate during the first 5 years. Apply online at Discoverhomeloans.com today. Manage your account your way -whether you prefer to speak with a -ive person or manage it on your own, DiscoverfRl V~~~.tV tK rtpaysro nni~~ini.i, ivn 171SCVER' Account number ending in 22b8 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it io arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobi{e phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless ' R, %3 f ~,,~~ I< 2009 Discover [conk, Member FDIC Closing Date: March 19, 2007 page 2 of 2 finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances hates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $295.51 0.04175% 15.249b V 15.2490 $3.45 $0 Cash Advances $1826.36 0.054779'° 19.99°k F 19.99% $28.01 $0 Thra. rats that apply to tour e4ecs~unt~~r fif;~d IFI or thq mmy vary N1 as net~d ab+sr~. QUeStlOnS? Manage your account at Discover.com or . urn wni vua V~;~~„V tK 516.95 + yv I 515.00 Payment Due Date May 18, 2007 19 SDSN6A01 0003153 BARNHART, IDA 71 MOON6ALE DR CARLISLE PA 17013-2116 i,ccounr rvumoer enamg m LLOtf Enter Amount Enclosed Below Please make check payyable to Discover Platinum Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~"'~~"""111'1"~~"'~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space I~~I~II~~~~~~I~~~~~~~~~~~I~~~III~~~~I~~I~~~~~II~~Iril~~lrlrr~l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. ODOD019864514393872680001695000363600D1500 Discover P{atinum Card Account Summary Closing Date: April 19, 2007 page 1 of 2 Account number ending in 2248 Previous Balance $36.34 Payment Due Date May l8, 2007 Payments And Credits - 36.34 Minimum Payment Due $15.00 Purchases + 16.95 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $9,883.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finance Charges ____ +_ _ 0.00 Cash Credit Available $8,900.00 New Balance - $16.95 You may be ab{e to avoid Periodic Finance Charges, see the reverse side for details. Cd51116aC{C BOnU5e Opening Cashback Bonus Balance $ 34.33 New Cashback Bonus This Period + 0.04 Cashback Bonus~Anniversary Month: September CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or caN 1-80QDISCOVER (1.800-347.2683) to get your share of America's #1 Cash Rewards Program. Cashback Bonus Balance $ 36.37 1. Visit Discovsr.com to pay your bill for no cost, view your How Can We He{p You? latest Account information, eam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8oo-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sea reverse side Salt Lake City, UT 84130 Transactions Payments and Crodits Services $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dais Date Apr 12 Apr 12 PAYMENT -THANK YOU Apr 9 Apr 4 ONSTAR SUBSCRIPTION 888.40NSTAR MI }00000019452811 ~"- -36.36 16.95 Information For You Congratufationsl Your Account's cash credit limit has been increased to $8,900.00. Build rewards faster when you use ShopDiscover to shop for Spring! Earn 53o Cashback Bonus and more at top online retailers such as Macys.com, Appie.com, and DicksSportingGoods.com when you link through ShopDiscover at Discovercard.com/shop Through generous Cardmembers like you, Discover(R) Card has donated more than $15 million to the Make•A•Wish Foundation(R). Consider contributing your Cashback Bonus to the Make•A-Wish Foundation to help make a child's dream come true. To further your donation, Discover will add an additional 203'0. Visit www.discovercard.com or wwvr.wish.org L~I~C,V tK II Pays IO un~~ ~ ~ i ini~ i , i vn DISG~,~VER" I Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password•protected statements that only you con access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. '~' Sign up today at '+ Discover.com/paperless ~' :<y'2009 Discover [ia~k, Nwmber FDIC Closing Date: April 19, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a a es Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.041753'0 15.24% V 15.249'0 $0 $0 Cash Advances $0 0.06299 a 22.99% F 22.993b $0 $0 previous billing period: 28 days Purchases $0 0.04175% 15.2490 V 15.243'0 $0 none Th®_rates that apply to your Account ar._eith.r fix.d (F) or tfry mor vary (V) a: nct.d abov.. QUeStlonS? Manage your account at Discover.com or VISC.VtK . uymoiu vie nccouni rvumoer enamg m ~[oa S1b.95 V ~V I 515.00 I Enter Amount Enclosed Below Payment Dve Date June 18, 2007 Please make check payable to Discover Card or pay online ~ Discovercard.com. 19 SDSN6A01 0003154 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure wrath passwrord- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 III~rJI""„III'I'rll"rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space li~1~11111~~~iill~~~l~~fil~~~lllli~i~~~li~li~ll~~l~~l~~l~l~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268000169500016950001500 Discover More Card Account Summary Closing Date: May 19, 2007 page 1 of 2 Account number ending in 2268 Payment Due Date June 18, 2007 Minimum Payment Due $15.00 Credit Limit $9,900.00 Credit Available $9,883.00 Cash Credit Limit $8,900.00 Cash Credit Available $8,900.00 Previous Balance $16.95 Payments And Credits 16.95 Purchases + 16.95 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance = $16.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus® Anniversary Month: September CONGRATULATIONS! Your Cashback Bonvs(R) is woiiing for you. Visit Discovercard.com or call 1.800-DISCOVER (1-800-3d7-2683) to get your share of America's #1 Cash Rewords Program. Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 36.37 + 0.04 $ 36.41 .__ How Can We Het YOU 1 • Visit Discowr.cem to pay your 601 for no cost, view your p latest Account information, eam and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-BOaDISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt lake City, UT Sd 130 Transactions $0 Fraud Liabiliy Guarantee Use your Discover Card with confidence. Trans. Post Dats Dats Payments and Credits May 9 May 9 PAYMENT • THANK YOU $ -16.95 Services May 9 May 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 __ _ 10000002135202d Information For You Congratulations! Your Account's cash credit limit has been increased to $8,400.00. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616`Yo; corresponding ANNUAI PERCENTAGE RATE: 5.909'0. Rate is subject to the terms of the offer including expiration. Earn 5°1° Cashback Bonus and more at these new online retailers) ShopDiscover has just added more top online retailers such as Kohls.com, AnnTaylorloFt.com, PetSmart.com and American Eagle (AE.com), to an already great selecfson so you can build rewards Faster. Visit ShopDiscover at Discovercard.com/shop and start shopping today) Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. Our advanced Fraud y u t+uya w ~., . ~.~i. i n uI,LV tI\ ~,~ ~_ Account number ending in 2268 I DISCS-EVE Get added security with no paper trail -~ Make your account information more secure with password-protected statements that only you con access. + Access up to 24 months of downloadable, Sign up today at DISCOYBt:COt11~~q~t'IS55 ' printable statements. k • See your statement as soon as it's available i ; rather than wait for it to arrive in your mailbox. !' • Get hel ful a ment reminders throw h e-mail p P Y g .~' +'e' or text messages on your mobile phone. .o.~.: .«~.Y- • Print a paper copy of your statement anytime. 02D09 Uiscwer bank, Member FDIf_ Closing Date: May 19, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.0417596 15.2496 V 15.249'0 $0 $0 Cash Advances $0 0.062999'0 22.99% F 22.999'0 $0 $0 previous billing period: 31 days Purchases $0 0.04175% 15.24°J0 V 15.24% $0 none The rates that apply to your Account an either Fixed (F) or they moy vary (Y) o, n®ted above. r °..... -:r. QU@StfOnS? Manage your account at Discover.com or V~~~V tK $313.29 19 SDSN6A01 0003155 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ..................,.~...... ...... .-...wv.u ~wuwo~ ollull ll~ ^1 LLVY 515.00 I Enter Amount Enclosed Below Payment Due Date July l8, 2007 Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discover.com/paperless. PO BOX 71084 ~~~nr~~nnn~~~r~n~~ur~ CHARLOTTE NC 28272-1084 Address, email or telephone change3 Print change in space ~~~~~'I~~I~~~'i~'~~~I~~lil~~il~il~~~l~~l~~ii~~`~~I~~Ir~'iI~iII above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268003132905000000001500 Discover More Card Account Summary Closing Date: June l9, 2007 page 1 of 2 Account number ending in 2268 Payment Due Date July 18, 2007 Minimum Payment Due $15.00 Credit Limit $9,900.00 Credit Available $9,584.00 Cash Credit Limit $8,900.00 Cash Credit Available $8,656.00 Previous Balance $14.95 Payments And Credits - 5,000.00 Purchases + 94.86 Cash Advances + 5,000.00 Balance Transfers + O.QO Finance Char es + 201.48 New Balance = $313,24 You may ba able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 36.41 New Cashback Bonvs This Period + 0.24 Cashback Bonus Balance $ 36.65 Cashback Bonus® Anniversary - . .. _ .. Month: September CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800.DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hei You? 1 • Visit Discowr.com to pay your bill for no coat, view ovr p latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2• Coll 1-800-DISCOVER (347.2483) For Fast, easy self-service options of 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 Sak Lake City, UT 84130 TranSactionS $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Da1s Date Payments and Crodits Jun b Jun b PAYMENT -THANK YOU $ -5,000.00 Automotive May 23 May 23 All PRO WEST MECHANICSBURGPA 77.91 Services Jun 9 Jun 9 ONSTAR SUBSCRIPTION 888.40NSTAR MI 16.95 100000023303957 Cash Advances May 22 May 22 SOVEREIGN BRANCH #0338 7172452114 PA 5,000.00 May 22 May 22 CASH ADVANCE TRANS FEE FINANCE CHARGE 150.00 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.016169e; corresponding ANNUAL PERCENTAGE RATE: 5.9090. Rate is subject to the terms of the offer including expiration. Soon we'll no longer be printing your Full account number on your statement. It's just another way to keep your information safe. But of course, if For any reason you need your full account number, it'll still be right there on your card. Get 5°o Cashback Bonus(R) from July through September on gas, hotels, and admission to theme parks, water parks, .,~ VIJC.~V tK rr pays ro "' "'^"' ~ ^ ~~SC' yER Account number ending in 2268 Get added security with no paper trait Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downfoadable, printable statements. • See your statement as soon os it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. ,_. Sign up today at '~. Discovercom/paperless ' ~, ~. r +~ r „. :<2009 Discover Bank, Member FDIC Closing Date; June 19, 2007 page 2 of 2 Build rewards Faster with top online retailers such as Target.com, DicksSportingGoods.com, LandsEnd.com, iTunes.com and many more when you link through ShopDiscover. Just visit Discovercard.com/shop to see our full listing of online retailers! Congratulations to the 2007 National Discover(R) Card Tribute Award(R) Scholarship winners: Shanna Decker, Karlynda Johnson, July Lee, Emily Lester, Kathleen McGlynn, Eric Ndikumana, Danica Samuels, Kelsey Tainsh, Kelly Wolfe and Stephanie Wong. Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute to learn more. Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchasea $0 0.04175% 15.2490 V 15.2dao $0 $0 Cash Advances $2636.15 0.06299% 22.99°ro F 48.35% $51.48 $150.00 previous billing period: 30 Boys Purchases $0 0.04175% 15.24% V 15.24% $0 none The rates t at apolv,~ t?.~wur Agc~~M ark dither fianat (F) or than may very yV) oe Hated nbbvr.. QUestlOnS? Manage your account at Discover.com or _ _. _...__ ..................r ~...... v...+ r~wv~lll I~lulllutll tl11C1II ICJ In LLVa {,J~JL-V CK 5351.73 J 526.00 I Enter Amount Enclosed Below Payment Due Date August 18, 2007 please make check payable to Discover Card. Minimum payment due Includes a past due amount of $15.00. 19 SOSN6A01 0003156 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 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. Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discover.comlpaperless. PO BOX 71084 Illrrrll"""111'lrrll"'I CHARLOTTE NC 28272-1084 I~~I~11~~1~~~1~11~~~1~~1~1~~~1111~~~1~~1~~1~~11~~1~~1~~1~1~~11 0000019864514393872680035173000DDDOOD026D0 Discover More Card Account Summary Closing Date: July 19, 2007 pope 1 of 2 Account number ending in 2268 Previous Balance $313.29 Payment Due Date August 18, 2007 Payments And Credits 0.00 Minimum Payment Due $26.00 Purchases + 31.95 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $9,548.00 Balance Transfers + 0.00 Cash Credit limit $8,900.00 Finance Charles + 9 6.4 Cash Credit Available $8,656.00 _ _`_ New Balance _ ___ = $351.73 You may be able to avoid Periodic Finance Charges, see the reverse side For details. GashbCCk BOnUSe Opening Cashback Bonus Balance $ 36.65 New Cashback Bonus This Period + 0.04 Cashback Bonus balance $ 36.69 Cashback Bonus® Anniversary _ . ....... . Month: September How Can We Help You? 1 • Visit Diseover.cem to pay your bill kr no cost, view your l t A t t i f ti d d d d lt's your choice - 3 ways to help es a ccoun orma on, earn an re n eem rewar s an more 2. Call 1-BOaDISCOVER (347.2683) For Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with conRdence. Trans. Post Date Date Other/Miscellaneous Jul 19 Jul 19 LATE FEE $ 15.00 Services Jul 9 Jul 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 100000025318094 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 a- this. time. We have terminated, however, any. introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance hansfers. However, we reserve the right to increase the APRs on your Account iF you Fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. * * * ATTENTION * * * 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. It's just another way to keep your information safe. But of course, if for any reason you need your Full account number, it'll still be right there on your card. VI~(.a~~VtK upaysro ~.~.~.n..~, ~vn DISC°„~R. ` Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements thot only you can access. • Access up to 2d months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. (_' i., ~ Sign up today at Discover.com/paperless R;. i ~' ) ,;~ ~ r ` ~~,. _. _._ '~2rX19 Discover Dank, Member FDIC Closing Dote: July 19, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04175%; corresponding A NNUAL PERCENTAGE RATE: 15.24%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates _ RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $23.83 0.04175% 15.243'° V 15.249e $0.30 $0 Cash Advances $299.06 0.06299% 22.99% F 22.94% $5.65 $0 previous billing period: 31 days Purchases $41.51 0.04175% 15.24% V 15.243b $0.5d none The rates that apply to your Account ore either fixed If) or they may vary (V) as noted above. QU@St1onS? Manage your account at Discover.com or _ ..._..__ ......,.,,..~,~ , ..rn~orn vie rccounr ivumoer enamg in L'LOS v~J~.. Y CK $557.50 ` $17.00 I Enter Amount Enclosed Below Payment Due Date $ -~ September 18, 2007 please make check payable to Discover Card or pay online ~ Discovercard.com. 19 SDSN6A01 ODD3157 BARNHART, IDA Go paperless and make your account information more secure with password- 71 MOON6ALE DR protected statements only you can access. CARLISLE PA 17 013 - 2116 Learn more at discover.corNpaperless. Address, e-mail or telephone change8 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 71084 III+rrll+++rr+Illrl+rll+++I CHARLOTTE NC 28272-1084 Iulillnln~IJlu~lulJuillllnilulnlnllnlnlnl+Inll 0000019864514393872680055750D00300000D1700 Discover More Card Account Summary Closing Date: August 19, 2007 page 1 of 1 Account number ending in 2268 Previous Balance $351.73 Payment Due Date September 18, 2007 Payments And Credits - 30.00 Minimum Payment Due $17.00 Purchases + 226.75 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $9,342.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finan_ca Char~c ss + 9.02 Cash Credit Available $8,656.00 __ New Balance _ $557.50 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback BOnUSe Opening Cashback Bonus Balance $ 36.69 New Cashback Bonus This Period + 0.92 Cashback Bonus Balance $ 37.61 Cashback Bonuses Anniversary _ .. ... ... Month: September CONGRATULATIONSI Your Coshback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800-DISCOVER (1-800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel You? 1 • Visit Discowr.com to pay your bal for no cost, view our p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 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 avai{able. 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 Dah Payments and Credits Aug 17 Aug 17 PAYMENT -THANK YOU $ -30.00 Merchandise/Retail Jul 24 Jul 24 KMART CARLISLE PA 209.80 __ Services Aug 9 Aug 9 ONSTAR SUBSCRIPTION 888.40NSTAR MI 16.95 100000027365670 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE F~~S FINACHARGES al nces Rates RATES RATES current billing period: 31 days Purchases $236.90 0.04175% 15.24'o V 15.24% $3.07 $0 Cash Advances $304.86 0.062993', 22.99% F 22.99% $5.95 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) ai Hated above. Manage your budget, track your spending and avoid fees with FREE timely e-mail reminders. Learn more aboid r-mnil rnmin ~r< r.n.J .,,h........ .L._ .... , V I.~Lr V t K $759.46- -- 19 SDSN8A01 0003158 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 $23.00 yr v VVV I Enter Amount Enclosed Below~vV Payment Due Date Cktober 18, 2007 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~~~~~~ir~rir~~~r~r~~~r~r~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change6 Print change in space I~~I~'I~~I~~~I~II~~~'~~I~I~~~I~II~~~~~~I~~I~~II~~I~~I~~I~I~~II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268007594600020000002300 _. ~, Discover More Card Account Summary Closing Date: September 19, 2007 page 1 of 1 Account number ending in 2268 Payment Due Date October 18, 2007 Minimum Payment Due $23.00 Credit Limit $9,900.00 Credit Available $9,140.00 Cash Credit limit $8,900.00 Cash Credit Available $8,656.00 Previous Balance $557.50 Payments And Credits - 20.00 Purchases + 211.39 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 1 0.57 ----- ----- New Balance -------- ---- ------ . = $759.46 You may be able fo avoid Periodic finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 37.61 New Cashback Bonus This Period + 1.06 Cashback Bonus Balance $ 38.67 Cashback Bonus®Since Anniversary Month September: $5.51 CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1.800-DISCOVER (1-800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel 1 ou? 1 ~ Visit Discowr.com to pay your bdl for no cost, view your l~ latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2• Call 1-800-DISCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 15 Sep 15 PAYMENT -THANK YOU $ -20.00 Services Sep 10 Sep 10 ONSTAR SUBSCRIPTION 888-40NSTAR MI 16.95 100000029480877 Home Improvement Aug 24 Aug 24 THE HOME DEPOT #4149 CARUSLE PA 78.94 Department Store Sep 13 Sep 13 BON-TON-CARUSLE #0009 CARLISLE PA 1 15.50 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily lances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $348.62 0.0417590 15.2490 V 15.243'0 $4.50 $0 Cash Advances $310.87 0.062999'0 22.9990 F 22.99% $6.07 $0 The rates that apply to your Aceeunf an either Fixed (F) or they may vary N) as noted above. L/IJL,v CIC $764.87 .........._......~.,.,..., ...,.. .~...wun~ i~unwei unamg m Ltoo I $23.00 I Enter Amount Enclosed Below Payment Due Date November 18, 2007 Please make check payable to Discover Card or pay online ~ Discovercard.com. 19 SDSN6A01 0003159 Go paperless and make your account BARNHART , IDA information more secure with password- 71 MOONGALE DR Protected statements only you can access. CARLISLE PA 17 013 - 2116 Leam more at discover.comlpaperless. Address, e-mail or telephone change$ Print chnnge in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. PO BOX 71084 III"'ll"""111'1"II"'I CHARLOTTE NC 28272-1084 I~~I~II~~I~~~l~ll~~~l~~l~i~~~llllr~~l~~l~~l~~ll~~l~~lr~lrlrrll 000001986451439387268007648700025000002300 Discover More Card Account Summary Closing Date: October 19, 2007 page 1 of 1 Account number ending in 2268 Previous Ba{once $759.db Payment Due Date November 18, 2007 Payments And Credits - 25,00 Minimum Payment Due $23.00 Purchases + 18.95 Credit limit $9,400.00 Cash Advances + 0.00 Credit Available $9,135.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Fi nancs C argss h + 1 1.46 Cash Credit Avoilable $8,656.00 _ _ _ _ _ New Balance = $764.87 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus® Anniversary Month: September CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discover<ard.com or call 1-800.DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. Opening Cashback Bonus Balance $ 38.67 New Cashback Bonus This Period + 0.0/1 Cashback Bonus Balance $ 38.71 - _ __. How Can We Help You? 1. Visit Discowr.<om to pay your bill for no cost, view your latest Accovnt information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) For Fast, easy self-service options or to speak with o 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 SaM Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Oct 17 Oct 17 PAYMENT -THANK YOU $ -25.00 Services Oct 9 Oct 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 100000031432263 18.95 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dnily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Bgtes RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $452.53 0.04038% 14.74% V 14.74% $5.47 $0 Cash Advances $316.89 0.06299% 22.99% F 22.9996 $5.99 $0 The rates that apply to your Accexnt are either fixed (F) or they may vary (~+) es notttd ela8vo. Wish you could sort these purchases by amount, description or category$ You can -register at Discovercard.com to vines ..,.. ~..~......o ...~.unwui . ururoni vuo n~tvum i~unwei enuniy ui ctvu I~ISC.N tK $879.71 $50.00 ~ Enter Amount Enclosed Below Payment Due Date December 18, 2007 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $23.00. 19 SDSN6A01 0003160 BARNHART, IDA Go paperless and make your account information more secure with password- 71 MDON6ALE DR protected statements only you can access. CARLISLE PA 17013-2116 Learn more at discover.comlpaperless. PO BOX 71084 ~~Irrr~l~rr~r~lll~~rrllrirl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space I~~I~Ilrrl~r~~~l~r~r~~~'~Ir~~'Ill~rrl~rl~rl~rllril~~l~~lrli~l) above, or go Fo Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268008797100000000005000 Discover More Card Account Summary Closing Date: November 19, 2007 page 1 of 2 Account number ending in 2268 Previous Balance $764.87 Payment Due Date December 18, 2007 Payments And Credits - 0.00 Minimum Payment Due $50.00 Purchases + 102.58 Credit Limit $9,900,00 Cash Advances + 0.00 Credit Available $9,020.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finance Charges _ --- --- + 12.26 Cash Credit Available $8,656.00 New Balance $879.7] You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus® Anniversary - - Month: September Opening Cashback Bonus Balance $ 38.71 New Cashback Bonus This Period + 0.15 Cashback Bonus Balance $ 38.86 - - - How Can We Hel You? P 1 • Visit Discover.cam to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions SO Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Merchandise/Retail Nov 6 Nov 6 PETSMART 00015214 CARLISLE PA $ 20.63 CMhsr/Miscellaneous Nov 19 Nov 19 LATE FEE 39.00 Services Nov 6 Nov 6 HOLIDAY HAIR 91 16835977 CARLISLE PA 24.00 Nov 9 Nov 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18.95 100000033465447 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR For purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account iF you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement For details. * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Knowing your credit score makes a difference! Discover's new Credit ScoreTracker provides easy to use tools so you can understand your credit rating and help you reach your financial goals. Visit Discovercard.coin/CreditScoreTracker to enroll. Wish you could sort these purchases by amount, description or category;' You can -register at Discovercard.com to view ViJt..V CK M Y ur,rtrvnMrtt, wH ~~~~ ~ ro ~ ~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you con occess. • Access up to 24 months of downloadable, printable statements. • See your statement os soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ', Sign up today at '~ ' Discovercom/paperless i j. X2004 Discover Dank, Member FDIC Closing Date: November 19, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.040389'°; corresponding ANNUAL PERCENTAGE RATE: 1 d.74%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al n Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $474.53 0.040369'° 14.749'° V 14.749'° $5.95 $0 Cash Advances $323.04 0.062999'° 22.99% F 22.999'° $6.31 $0 The rates that apply to your, Acto>rnt ark. eitf ter„fixed (F) or they mmr vary (v) et noted ablyve. _.._..__ QUeStionS? Manage your account at Discover.com or 19 SDSN6A01 0003161 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 unn n~ui i uyn~°rn vV° nl.6VV111 IVVUIU°I OIIV II It~ 111 LLVV $0.00 I Enter Amount Enclosed Below Payment Due Date January 18, 2008 Your account has a credit balance. No payment is due. 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~~~~~~r~~rr~~~~~~~i~~~ir) CHARLOTTE NC 28272-1084 ~n~~~~u~n~~i~~ni~n~i~ni~~~~ni~u~n~n~~n~ii~u~i~u~) 000001986451439387268000000000879710000000 Discover More Card Account Summary Closing Date: December 19, 2007 pogo 1 of 2 Account number ending in 2268 Payment Due Date January 18, 2008 Minimum Payment Due $0.00 Credit Limit $9,900.00 Credit Available $9,900.00 Cash Credit Limit $8,900.00 Cash Credit Available $8,900.00 Previous Balance $879.71 Payments And Credits - 1,659.71 Purchases + 202.85 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charles ± 0.00 ___ _ __ ___ -_ _ New Balance __ ____ _____.,____ = $-577.15 Your account has a credit balance. No payment is due. Cashback Bonus® Opening Cashback Bonus Balance $ 38.86 New Cashback Bonus This Period + 0.50 Cashback Bonus Balance $ 39.36 Cashback Bonus® Anniversary - Month: September CONGRATULATIONSI Your Cashback BonuslR) is waiting For you. Visit Discovercard.com or call 1.800-DISCOVER I1.800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel You? I~ 1. Visit Discover.com to pay your bill kr no cost, view our latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800-DISCOVER 1347-2683) for Fast easy selFservice Please have your Discover Card available. , options or fo 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 Crodih Nov 23 Nov 23 PAYMENT -THANK YOU $ -780.00 Dec 15 Dec 15 PAYMENT -THANK YOU -879.71 Gasoline Nov 18 Nov 20 CARLISLE FOOD MART CARLISLE PA 30.00 Dec 6 Dec 6 HESS 38252 CARLISLE PA 50.00 Dec 7 Dec 7 GIANT FUEL #112 CARl1SLE PA 66.50 000008 Services Dec 9 Dec 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18.95 100000035450419 Home Improvement Dec 9 Dec 9 LOWE'S OF CARLISLE, PA CARLISLE PA 37.40 Information For You For this holiday season, give a DiscoverlR) Giff Card and let them choose something that's just right. Discover Giff Cards are now available at many retail locations. Visit Discovergiffcard.com/shop to find a retail location near you. To purchase your Discover Giff Card online, visit Discovergiffcard.com vtJ~.Y CK .~ r..~r, ~~ ~~~~ ~nhR r , ruH L D~~y~~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downjoadabje, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless t52009 Discover Oank, Member FD4C Closing Date: December 14, 2007 page 2 of 2 Do you know your credit score$ Discover's new Credit ScoreTracker provides easy to use tools so you can understand your credit rating and help you reach your financial goals. Enroll online and get unlimited access to your Experian credit repoH and score. Visit Discovercard.com/CreditScoreTracker to enroll. Finance Charge Summary Balance Transfer offer For current billing period: Daily Periodic Rate: 0.016169'x ; corresponding ANNUAL PERC ENTAGE RATE: 5.909e. Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE I nces Rates RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 30 days Purchases $0 0.03970% 14.49% V 14.499e $0 $0 Cash Advances $0 0.06299% 22.9990 F 22.9990 $0 $0 The rates that apply to your Account orb either fixed (F) or Thar mar vary (d) as Hated above. QU@St10nS? Manage your account at Discover.com or V~~t,,v~K $550.11 ~ S15.00 Payment Due Date February 18, 2008 19 SDSN6A01 0003162 BARNHART, IDA 71 MOON6ALE DR CARLISLE PA 17013-2116 nwVVn1 1vV^IUtl1 tl1lUllly I11 LLVV Enter Amount Enclosed Below Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 Address,a-mail or telephonechange$Prinichangeinspace ~~~)~I)i~~~~~~~~~~~~)~~)~~~~~~~~~~~~~~i~~~~~~)~~~~~~~~~~i~~~)~ above, or go fo Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268005501100000000001500 Discover More Card Account Summary Closing Date: Jnnuary 19, 2008 page 1 of 2 Account number ending in 2268 Previous Bounce $-577.15 Payment Due Date February 18, 2008 Payments And Credits - 0.00 Minimum Payment Due $15.00 Purchases + 1,127.26 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $9,349.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 finance Charles _ , __ + 0.00 Cash Credit Available $8,900.00 New Balance = $550.1 1 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bcnuse Opening Cashback Bonus Balance $ 39.36 New Cashback Bonus This Period ShopDiscover & Promotional + 10.00 Everywhere Else + 2.81 Cashback Bonus® Since Anniversary Month Cashback Bonus Balance $ 52.17 September: $13.50 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER (1-800-347.2683) to get your share of America's #1 Cash Rewards Program. 1. Visit Discovsr.com to pay your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-SOaDISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Merchandise/Retail Dec 25 Dec 25 AMISH HEIRLOOM FURNITURE NORWALK OH $ b5.27 Dec 26 Dec 26 XM *SATELUTE RADIO 800-XMRADIO DC 1 b8.93 - T 1;DC380A,0 Dec 26 Dec 26 CVS/PHARMACY 1646 CARLISLE PA Dec 26 Dec 26 CVS/PHARMACY 1646 CARLISLE PA Dec 26 Dec 26 KMART CARLISLE PA Dec 30 Dec 30 RITE AID CARUSLE PA Jan b Jan b SUPER SHOE #7 MECHANICSBURGPA Jan 6 Jan 6 RITE AID CARLISLE PA Jan 11 Jan 1 1 OFFICEMAX, INC. 0746 CARLISLE PA Restaurants Dec 26 Dec 26 APPLEBEE S CAR07101 1 16 CARUSLE PA Gasoline Dec 26 Dec 26 GIANT FUEL #1 12 CARLISLE PA 000029 Jan 2 Jan 2 CARLISLE FOOD MART CARLISLE PA Jan b Jan b (LYING J CARUSLE PA Services Jan 9 Jan 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 100000037239462 l 7.40 28.09 84.05 41.28 69.97 53.90 13.77 16.00 46.90 30.00 56.02 18.95 vIJ~..~V CK ~ ~.ara rv uni~ i i i vvt i, ~ VH ~tS i'~~VF~" ~ Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password•protected statements that only you can access. • Access up to 24 months of downloadabie, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. sa2009 Dixwer Bank, Member FDIC Closing Date: January 19, 2008 page 2 of 2 Supermarkets Dec 26 Dec 26 GIANT FOOD #1 12 CARLISLE PA 170,87 000022 Jan b Jan 6 GIANT FOOD #112 CARLISLE PA 171.52 000052 Government Services Jan 12 Jan 12 LISPS 4134870013 CARLISLE PA 16.40 Home Improvement Dec 23 Dec 23 LOWE'S OF SANDUSKY, OH. SANDUSKY OH 57.44 Finance Charge Summary Balance Transfer offer For current billing period: Doily Periodic Rate: 0.02164`x; corresponding A NNUAL PERCENTAGE RATE: 7.40°. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03901 % 14.24% V 14.24% $0 $0 Cash Advances $0 0.062993'° 22.49° F 22.99° $0 $p previous billing period: 30 days Purchases $0 0.03970°f° 14.499`° V 14.d99° $0 none Ths rags that QpDly to. your A~ nt ua 'tt-u fxod IFj or they mey very h-) q! nettd ebaye. !UeSt10nS? Manage your account at Discover.com or II Lonn n~e~wrn ~, .. -.... _ _. `p:~ , `, tuna oval ~ ~yni°u~ vuo r.~wurn ivunioe~ nnaing m LLVO {J{,Lr~v ttt $1,310.33y~ ~ $52.00 I Enter Amount Enclosed Below Payment Due Date ~ ~~'~ March 18, 2008 please make check payable to Discover Card. Minimum pa ment due +ncludes a post due amount of $15.00. 19 SDSN6A01 0003163 BARNHART, IDA 71 MDONGALE DR CARLISLE PA 17013-2116 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.coMpaperless. PO BOX 71084 III"'Il"""111'1"II"'I CHARLOTTE NC 28272-1084 I+.I+II++i++.I.II+++I++I.I++.II I l++.I+.I+.I++I I++I+.I+.I.I+.I I 000001986451439387268013103300000000005200 Discover More Card Account Summary Closing Date: February 19, 2008 page 1 of 2 Account number ending in 2268 Previous Balance $550.11 Payment Due Date March 18, 2008 Payments And Credits - 0.00 Minimum Payment Due $52.00 Purchases + 738.80 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available 589.00 $8 Balance Transfers + 0.00 Cash Credit Limit , $8,900.00 finance Charges _~_ ____ _______ ___+ _ ____21.42 -- - Cash Credit Available $8,589.00 New Balance = $1,310.33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 52.17 New Cashback Bonus This Period + 3.27 Cashback Bonus Balance $ 55.44 Cashback Bonus® Since Anniversary Month September: $16.77 How Can We Help You? It's your choice - 3 ways to help Please have our Discover Card available. Y For TDD (assistance for hoaring impaired) see reverse side 1 • Visit Discowr.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Feb 16 Feb 16 QVC*339031546901 * 1 OF 5 800-367-9444 PA $ 73.74 Restaurants Jan 19 Jan 20 RED LOBSTER MECHANICSBURGPA 73.00 Other/Miscellaneous Feb 19 Feb 19 LATE FEE 39.00 Trawl/Entertainment Feb 9 Feb 9 S 8~ E TICKETING II HERSHEY PA 308.00 Services Feb 9 Feb 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18.95 100000034390947 Supennarksh Jan 20 tan 20 . GIANT. FOOD # 17 2.CARUSLE PA 157.1 b 000043 Horns Improvement Jan 30 Jan 30 COLONIAL GARDENS HURON OH 68.90 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Wish you could sort these purchases by amount, description or category8 You can -register at Discovercard.com to view VIJC,V tK npaysro ~ unnivrirnr, wr `r v Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that onVy you can access. • Access up to 2d months of downloadable, printable statements. . See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your staternent anytime. X2009 Discover bank, Member FDIC Closing Date: February l9, 2008 Page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.060259'0; corresponding ANNUAL PERCENTAGE RATE: 21.9990. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daity Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $963.66 0.060259a 21.999:0 F 21.999'0 $18.00 $0 Cash Advances $0 0.06573% 23.999'0 F 23.99°'0 $0 $0 previous billing period: 31 days Purchases $283.08 0.03901% 14.249'0 V 14.249'0 $3.42 none T rtes that ao b to_rour AcyeR-+nt an either Fixed IF) or they moy vary (V) es nmtrd above. QueStlOnS? Manage your account at Discover.com or UISC;JVtK 61,511.89 ~ s7aaiti~ Payment Due Date AprN 18, 2008 19 SDSN6A01 0003164 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum payment due includes a past due amount of $32.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Ill~r~ll~~rr~~lll~l~rll~~~l CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space Irr~~llrilrri~illirrlii~rliirl~~~irr~rr~~i~rr~lri~rilrilr~~ill above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986451439387268015118900020000007800 Discover More Card Account Summary Closing Date: March 19, 2008 page 1 of 2 Account number ending in 2268 Previous Balance $1,310.33 Payment Due Date April 18, 2008 Payments And Credits - 20.00 Minimum Payment Due $78.00 Purchases + 189.79 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $8,388.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finance Cha_yes + 31 .77 Cash Credit Available $8,388.00 _ __ _ _ New Balance __ _ _ . = $1,51 1.89 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 55.44 New Cashback Bonus This Period + 0.75 Cashback Bonus Balance $ 56.19 Cashback Bonvs® Since Anniversary Month - - - September: $17.52 How Can We Hel YGU? I~ 1 . Visit Discover.com to pay your bill for no cost, view our 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 ovailable. 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 Crodifs Feb 26 Feb 26 PAYMENT -THANK YOU $ -20.00 Merchandise/Retail Feb 19 Feb 20 FAMOUS FOOTWEAR #2476 CARLISLE PA 46.98 Feb 22 Feb 22 AMZ*AMAZON PAYMENTS AMZN.COM/BILLWA 1 1.07 79424758538221 Mar 18 Mar 18 QVC*339031546901 *2 OF 5 800-367-9444 PA 73.79 Ctther/Miscellaneous Mar 19 Mar 19 LATE FEE 39.00 Services Mar 9 Mar 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18.95 100000041581377 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Need some help around the house$ Get organized for spring with your Discover(RI Card. Get 5"6 to 20°o Cashback V~~VV tK L.~1Q aye r~-LAS Get added security with no paper trail Make your account information more secure with password-protected statements thot only you can access. • Access up to 2d months of downloadable, printable statements. • See your statement as soon as it's avoilable rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. ---y- • Print a paper copy of your statement anytime. n1\1 VI 1/11\1, IVM Account number ending in 2268 Sign up today at Discover.com/paperless ~-,~ X2009 Discover bank, Member FDIC Closing Date: March 19, 2QQ8 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAI PERCENTAGE RATE: 28.99%. Rote is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAI Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $1379.24 0.079423'0 28.993e F 28.99% $31.77 $0 Cash Advances $0 0.07942"e 28.9990 F 28.993:0 $0 $0 Th~.Mstt~; tply to your Aceount en either fixed IF) or they may very (1-) as noted abevs. QUeStlonS? Manage your account at Discover.com or 11 . www ~..... _..-- V~„~~VtK $2,194.99 19 SDSN6A01 0003165 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 $56.00 I Enter Amount Enclosed Below Payment Due Date May 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.coMpaperless. PO BOX 71084 ~~~~rr~~rrrr~r~~~r~~r~~rrr~ CHARLOTTE NC 28272-1084 Address, email or telephone change$ Print change in space I~~Ir'I~rI~~~Irllrr~I~~I~Irrillllrrr'~~'~~Ii~Il~rlrrlrrl~'~rll above, or go to Discover.com. Print your email address to receive important Account information and special offers. D00001986451439387268021949900100000005600 Discover More Card Account Summary Closing Date: April 19, 2008 page 1 of 2 Account number ending in 2268 Previous Balance $1,511,89 Payment Due Date May 18, 2008 Payments And Credits - 100.00 Minimum Payment Due $56.00 Purchases + 742.75 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $7,705.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finance Charges + 40.35 Cash Credit Available $7,705.00 _ _ _ _ New Balance = $2,194.99 You may be able to avoid Periodic Finance Charges, see the reverse side For details. COShbgtk BOItuS'° Opening Cashback Bonus Balance $ 56.19 New Cashback Bonus This Period + 3.73 Cashback Bonus Balance $ 59.92 Cashback Bonus® Since Anniversary Month September: $21.25 CONGRATULATIONS! Your Cashbock Bonus(R) is waiting for you. Visit Discover.com or call 1-800.DISCOVER (1-800.347-2683) to redeem. How Can We Hel You? P 1 • Visit Discover.com to pay your bill for no cost, view your l atest Account inFormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For 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 Paymenh and Credits Apr 1 1 Apr 1 1 PAYMENT -THANK YOU $ -100.00 Merchandise/Retail Mar 28 Mar 28 AMZ*AMAZON PAYMENTS AMZN.COM/BILLWA 12,97 82367013635519 Mar 28 Mar 28 AMZ*AMAZON PAYMENTS AMZN.COM/BILLWA 1 1.28 77774404021946 Apr 15 Apr 15 CIRCUIT CITY SS #3720 MECHANICSBURGPA 699.55 Services Apr 9 Apr 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18.95 100000043257516 VIJ~. V CK -~Sr ~~E~~ I Account number ending in 22b8 Get added security with no paper trail Make your account information more secure with password-protected statements that only you con access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. iii Sign up today at Discovercom/paperless ~? tiJ2009 Discover bank, Member FDIC , Closing Date: April 19, 2008 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAI ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1638.83 0.07942% 28.999e F 28.999e $40.35 $0 Cash Advances $0 0.079429', 28.99% F 28.99% $0 $0 Thg. rptgs Fftat a Bly to, ygur. A«~ni ary,sj-~ ~.IFI qr tlu~ mar wryr (Vi ata ngted el~e~e, QU@St1onS? Manage your account at Discover.com or 19 SDSN6A01 0003166 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ~.rii ~wvvm ~vvuiuvi cnuu~y ui aavu $132.00 101~~ VV~ I Enter Amount Enclosed Beiow Payment Due Date June 18, 2008 please make check payable to Discover Card. Minimum pa meni due includes a past due amount of $56.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comfpaperless. PO BOX 71084 I~Irrrll"""II~'I"II"'I CHARLOTTE NC 28272-1084 Address,e•mailortelephonechange$Printchongeinspace ~~i~~~~~~~~i~l~~l~~~~~~~~~i~~~~~~~~~~~~~~~~~~~~~~l~~l~~~i~~i~l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268027419300000000013200 Discover More Card Account Summary Closing Date: May 19, 2008 page 1 of 2 Account number ending in 2268 Previous Balance $2,194.99 Payment Due Date June 18, 2008 Payments And Credits - 0.00 Minimum Payment Due $132.00 Purchases + 486.69 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $7,158.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finance Charges __ ______ _ _____ __ _ + 60.25 -- _ Cash Credit Available $7,158.00 New Balance = $2,741.93 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 59.92 New Cashback Bonus This Period + 4.47 Cashback Bonus Balance $ 64.39 Cashback Bonus®Since Anniversary Month September: $25.72 How Can We Help You? 1 • Visit Discover.com to pay your 671 for no cost, 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 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 Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Turns. Post Date Date Merchandise/Retail Apr 18 Apr 20 QVC*339031546401 *3 OF 5 800.367-9444 PA $ 73.79 Oilier/Miscellaneous May 19 May 19 LATE FEE 39.00 Services May 1 May 1 THE UPS STORE #2878 CARLISLE PA 354.95 May 9 May 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18.95 100000045062824 tnfvrmation For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. VIJL.'V CK u Naya ro I unni ~~ ~nnl, IVM n~~.-~-yE~~ Account number ending in 2268 Get added security with no paper trait Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rother than wait for it io arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print o paper copy of your staternent anytime. Sign up today at Discovet:com/paperless X2009 Discover bank, fvtem6er FDIC Closing Date: May 19, 2008 page 2 of 2 Finance Charge Summary Balance TransFer offer for current billing period: Daily Periodic Rate: 0.027129'0; corresponding ANNUAL PERCENTAGE RATE: 9.909e. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Psriodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2528.50 0.07942% 28.99% F 28.99% $60.25 $0 Cash Advances $0 0.079429e 28.99% F 28.99% $0 $0 The rates that apply to your Accoyrtt ere _ej ra r, fF~ ~t thtty mor very hl err nehd above. QUeSt1011S? Manage your account at Discover.com or --.n , nnn ..~~~....~.. ., ,........- - • --• (~(,LrV tK $3,652.49~y , $96.00 Enter Amount Enclosed Below Payment Due Date $ July 18, 2008 Please make check payable to Discover Gard or pay online @ Discovercard.com. 19 SDSN6A01 0003167 BARNHART, IDA 71 MOON6ALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~~r~~~nuu~~~r~n~~nr~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print change in space ~~~~~li~~~~~~~~~~~i~~~~~~~~~~~~~~~~~~~~~~~i~~~~~~~~~~~~~~~~~~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. DDOD0198b45143938726803652490D13200D009600 Discover More Card Account Summary Closing Date: June 19, 2008 page 1 of 2 Account number ending in 2268 Previous Balance $2,741.93 Payment Due Date July 18, 2008 Payments And Credits - 202.00 Minimum Payment Due $96.00 Purchases + 1,032.40 Credit limit $9,900.00 Cash Advances + 0.00 Credit Available $6,247.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finance Charges ~_ ____ , + 80.16 Cash Credit Available $6,247.00 New Balance = $3,652.49 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 69.63 New Cashback Bonus This Period Cashback Bonus® Since Anniversary Month September: $35.35 Cashback Bonus Balance 74.02 CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1-800-DISCOVER (1-800-347-2683) to redeem. 1. Visit Discover.com to pay your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800-DISCOVER (347-2683) for Fast, easy selF-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits May 21 May 21 PAYMENT -THANK YOU $ -70.00 Jun 17 Jun 17 PAYMENT -THANK YOU -132.00 Merchandise/Retail May 19 May 20 QVC*339031546901 *4 OF 5 800-367-9444 PA .. _ 73.74 May 25 May 25 WAL-MART SC - # 1945 MANSFIELD PA 90.97 Jun 5 Jun 5 TARGET CARLISLE PA 40.28 tun 5 Jun 5 DOLRTREE 9000009084868 CARLISLE PA 6.71 Jvn 5 Jun 5 PETSMART 00015214 CARLISLE PA 29.64 Jun 18 Jun 16 FAMOUS FOOTWEAR #2476 CARLISLE PA 119.97 Services tun 9 Jun 9 ONSTAR SUBSCRIPTION 88S•40NSTAR MI 18.95 100000046880794 Supermarkets May 25 May 26 GIANT FOOD #1 12 CARLISLE PA 149.71 000015 tun 1 Jun 1 GIANT FOOD #1 12 CARLISLE PA 164.93 000023 Jun 8 Jun 8 GIANT FOOD #1 12 CARLISLE PA 228.03 000052 Jun 9 Jun 9 GIANT FOOD #1 12 CARLISLE PA 31.74 000124 Planning a summer getawayZ Get everything you need to hit the road through ShopDiscover, our exclusive online shopping VIJL."Y GK u ~ay5 to V r1n 1 V I IMn l, I VM { ~'c~.c`"V Account number ending in 22b8 Get added security with no paper trail Make your account information more secure with password-protected statements that only you con access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. .. i' Sign up today at Discovet:com/paperless ©2009 Discover bank, Member FDIC Closing Date: June 14, 2008 page 2 of 2 Horns Improvement tun 8 Jun 8 THE HOME DEPOT #4149 CARUSIE PA 34.90 Jun 10 Jun 10 LOWE'S OF CARLISLE, PA CARLISLE PA 42.78 Information For You Congratulations to the 2008 Discover(R) Scholarship Program winners: Destiny Beal, Laura D'Asaro, Caitlyn Darnell, Sejal Hathi, Trey Jones, Rebecca Robison, Rhonda Samples, Marilyn Sanchez, Sarah Wooten and Ge Zhang. Each won $30,000 For post high-school education or training. Visit www.DiscoverFinancial.com/community to learn more. Finance Charge Summary 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. Nominal Transaction Average Daily ANNUAL ANNUAL periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a6 lances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3255.89 0.079423'0 28.99% F 28.995'0 $80.16 $0 Cash Advances $0 0.07942% 28.9950 F 28.99% $0 $0 The_rafas that apply toyour Account or,~yr, ti hor fixed (F) or they mor vary (V) as Hated above. QUeStiOnS? Manage your account at Discover.com or - -. r i , ...+ ................ , , ,... ,. - ~ - - - - - V~VLr~,~V~1\ $4,175.95y~ 19 SDSN6A010003168 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 $113.00 ~ I Enter AmounT Enclosed Below Payment Due Date $ August 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~rrr~~rr~rrr~~~r~r~~~irr~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space '~~~~Il~i'~~il~ll~~~l~~l~l~~~ll'I~~~I~~I~~I~~)I~~I~~I~~~~I~~II above, or go to Discover.com. Print your email address to receive important Account information and special offers. OODDD19864514393872680417595001000000113DD Discover More Card Account Summary Closing Date: July 19, 2008 page 1 of 2 Account number ending in 2268 Previous Balance $3,652.49 Payment Due Date August 18, 2008 Payments And Credits - 100.00 Minimum Payment Due $113.00 Purchases + 525.47 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $5,724.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finance Charges _ ___ + g7_gq Cash Credit Available $5,724.00 New Balance _ . $4,175.95 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 74.02 New Cashback Bonus This Period + 5.25 Cashback Bonus® Since Anniversary Month September: $40.60 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800.DISCOVER (1-800.347.2683) to redeem. Cashback Bonus Balance $ 79.27 000036 Jul 1 Jul 1 CARLISLE FOOD MART CARLISLE PA 23,00 Automotive Jun 30 Jvn 30 BOBBY RAHAL HONDA MECHANICSBURGPA 45.16 Services Jun 21 Jun 21 CARLISLE COUNTRY LIVIN CARLISLE PA 42.31 Jul 9 Jul 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18.95 100000048789279 Supermarkets Jun 21 Jun 21 GIANT FOOD #1 12 CARLISLE PA 152.58 000048 Jun 21 Jun 21 GIANT FOOD #1 12 CARLISLE PA 16.80 000050 1ul 7 Jul 7 GIANT FOOD # 1 12 CARLISLE PA 63.89 000006 How Can We Hel YOU? P 1 • Visit Discover.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.8oo-DISCOVER (347-2683) for fast easy selFservice Please have your Discover Card available. , options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dais Date Payments and Crodits 1ul 13 Jul 13 PAYMENT -THANK YOU $ -100.00 Merchandise/Retail Jun 19 Jun 20 QVC*339031546901 *5 OF 5 800.367-9444 PA 73.79 Jul 5 Jul 5 KMART NORWALK OH 13.68 Gasoline Jun 21 Jun 21 GIANT FUEL #1 12 CARLISLE PA 73.31 Fall fashions breaking the bank8 Shop back-to-school sales through our exclusive online shopping site ShopDiscover! Earn VIJ~."V CK ~ ~r,~~r~~~~_ `,,~^ I Account number ending in 2268 Get added security with no paper trait Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your staternenf anytime. 102009 Discover bank, Member FDIC Closing Date: July 19, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCE NTAGE RATE: 9.909`°. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE nc Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4112.67 0.079429'° 28.9930 F 28.993'° $97.99 $0 Cash Advances $0 0.07942% 28.999'° F 28.999'° $0 $0 T~ICdJh1A1M1 t aoglr tR 1r?Mr-~,flWl'itN' ~~ IFS er thtiq msq very (V1 et+ netted dbeve. QUeStlOnS? Manage your account at Discover.com or VIJt.V tK 'sasbb.sa" 19 SDSN6A01 0003169 BARNHART, IDA 71 MODN6ALE DR CARLISLE PA 17013-2116 PO BOX 71084 Illrr~llrrr~r~lllrlrrll~rrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space (r~lrll~~lrri~illiirlii~ilriil~~~~i~~irlii~rr~lri~~ilrilrl~r~l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OD000198645143938726804~2665400113000012000 Discover More Card Account Summary Closing Date: August 19, 2008 page 1 of 2 Account number ending in 2268 Payment Due Date September 18, 2008 Minimum Payment Due $120.00 Credit limit $9,900.00 Credit Available $5,633:00 Cash Credit Limit $8,900.00 Cash Credit Available $5,633.00 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.coMpaperless. Previous Balance $4,175.95 Payments And Credits - 1 13.00 Purchases + 98.64 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Char~es + 104.95 ____.__.____ New Balance ________ _______ = $4,266.54 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashback Bonus®Since Anniversary Month September: $41.58 How Can We Help You? Itrs your choice - 3 ways to help Please have your Discover Card available. for TDD (assistance for hearing impaired) see reverse side Opening Cashback Bonus Balance $ 79.27 New Cashback Bonus This Period + 0.98 Cashback Bonus Balance $ 80.25 l . Visit Dixovsr.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347.2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Crodits Aug 19 Aug 19 PAYMENT • THANK YOU $ -1 13.00 Services Aug 9 Aug 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18.95 100000050799152 Supermarkets Aug 7 Aug 7 NELL'S -SPRING ROAD CARLISLE PA 64.95 Aug 7 Aug 7 WEIS MARKETS #95 CARLISLE PA 14.74 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.0271290; corresponding A NNUAL PERCE NTAGE RATE: 9.900. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4262.75 0.07942% 28.999e F 28.9996 $104.95 $0 Cash Advances $0 0.07942% 28.9990 F 28.99%0 $0 $0 The rotes that apply to your Account ere either Fixed (F) or th.y moy very (V) as rteted above fall Fashions breaking the bank$ Shop Back-toSchool sales through our exclusive online shopping site ShopDiscover! Earn ............... ...r..,o.~~ ,.,,o ~,....,,.~.~ ~.,,.~...o. o.......y „~ ..~.,,, $120.00 I Enter Amount Enclosed Below Payment Due Date $ September 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. VIJI.V CK bIVS111C~ VOB: f '"""~ni, wry August-LQr?AU•DA~-' Account number ending in 2268 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: September 19 Balance Previous Cashback Bonus Award Balance $ 79.27 Purchase Award This Period + 0.98 Cashback Bonus Awar Tota 80.25 Cashback Bonus Award Balance Award Available to Redeem 80.25 $ 80.00 RRestrictions a pl to th}} Cqshback i >j~ Partner efhn visit P ewr,~em or ae 11•i6®•FiflCArtR (1•~~t0~349.2883) Fer drr-tlllle. Fe- ~re~rem dOttllls, stli fHi~ Cgshback bonus program Terms and Conditions. vl~c,V tK ~ss,sia.aa~V 19 5DSN6A01 0003170 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 $141.00 vr~..o,.. VV~ I Enter Amount Enclosed Below~vV Payment Due Date October 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illrrrll~~~rrrlll~lr~llr~~l CHARLOTTE NC 28272-1084 ~n~~~~n~ui~i~~ni~n~i~n~~~~~ui~u~n~u~~u~n~u~~~n~~ OODDD1986451439387268055734400120000014100 Discover More Card Account Summary Closing Date: September 19, 2008 page 1 of 2 Account number ending in 2268 Previous Balance $4,266.54 Payment Due Date October 18, 2008 Payments And Credits - 120.00 MinimumPaymeniDue $141.00 Purchases + 1,301.17 Credit Limit $9,900.00 Cash Advances + 0.00 Credit Available $4,326.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finance Charges____ + 125.73 Cash Credit Available $4,326.00 _ New Balance = $5,573.44 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 80.25 New Cashback Bonus This Period + 13.01 Cashback Bonus Balance $ 93.26 Cashback Bonus®Since Anniversary Month September: $54.59 CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1-800.DISCOVER (1-800.347-2683) to redeem. V How Con We Hel 1 Ou~ p 1 • Visit Discover.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redee m rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodifs Sep 16 Sep 16 PAYMENT -THANK YOU $ -120,00 Merchandise/Retail Aug 24 Aug 24 BEST BUY CO MECHANICSBURGPA 63.78 Aug 26 Aug 26 TARGET CARLISLE PA 272,13 Aug 27 Aug 27 BEST BUY CG MECHANICSBURGPA 59.31 Aug 29 Aug 29 CARLISLE COUNTRY LIVING CARLISLE PA 39.98 Aug 30 Aug 30 DOLLAR-GENERAL #8813 MT HOLLY SPGSPA 48.98 Sep 16 Sep 16 TARGET CARLISLE PA 159.85 Restaurants Sep 1 Sep 1 MARCELLOS CARLISLE PA 40,41 Gasoline Sep 15 Sep 15 GIANT FUEL #1 12 CARLISLE PA 54.64 000019 Sep 17 Sep 17 CARLISLE FOOD MART CARLISLE PA 87.75 Automotive Aug 28 Aug 28 LAWRENCE CHEVROLET INC MECHANICSBURGPA 97.37 Services Sep 9 Sep 9 ONSTAR SUBSCRIPTION 888-40NSTAR MI 1 g,q5 100000052925532 Supermarkets Aug 25 Aug 25 GIANT FOOD #1 12 CARLISLE PA 195.22 000030 AuB 29 Auy 29 GIANT FC>OD #1 12 CARIISIE PA 1 16,81 VIJ~.V CK ~~~ 1\I Y11r11\1, IVn Account number ending in 2268 Get added security with no paper trait Make your account information more secure with password•protected statements that only you can access. • Access up to 2d months of downloadable, printable statements. • See your stotement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. .. ~ .. ~: Sign up today at Discavercam/paperless Closing Date: September 19, 2008 page 2 of 2 Supermarkets 000028 Sep 2 Sep 2 GIANT FOOD #1 12 CARLISLE PA 000099 46.19 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.027129e; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE la ces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5106.74 0.07942% 28.99% F 28.99% $125,73 $0 Cash Advances $0 0.079429'0 28.99% F 28.99°!0 $0 $0 The rates that apply to yoyr ^ou't are either Reed IF) or they may vary IV) as noted abevs. QUeSt10nS? Manage your account at Discover.com or II , nww w.w_~.. - - - -~ X2009 Discover bank, Member FDIC VIJC.V tK .,o.. ~~.....~o ,.,,,,,,,,~,,, , ur,,,e,,, ~~e S6,323.68 I $158.00 19 SDSN6A01 0003171 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Payment Due Date November 18, 2008 r,wu~ni i~uuwai enuuiy m cwu Enter Amount Enclosed Below ~~ Please make check payable to Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illrrrll~irirrlllrl~rllr~rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I~il~~l~~'~~~I~'I~~~I~~I~I~~~IIII~~~I~~I~~I~~I~~~~~~'~~'~I~~'I above, or go to Discover.com. Print your email address to receive important Account information and special offers. OODD0198645143938726806323680000DOD0015800 Discover More Card Account Summary Closing Date: October 19, 2008 page 1 of 2 Account number ending in 2268 Previous Balance $5,573.44 Payment Due Date November 18, 2008 Payments And Credits - 141.00 Minimum Payment Due $158.00 Purchases + 332.09 Credit Limit $9,900.00 Cash Advances + 404.80 Credit Available $3,576.00 Balance Transfers + 0.00 Cash Credit Limit $8,900.00 Finance Charges _ + 154.35 Cash Credit Available $3,576.00 _ New Balance _ _ _ _ _ _ = $6,323.68 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus° Cashback BonusBi Anniversary Month: September CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. Opening Cashback Bonus Balance $ 93.26 New Cashback Bonus This Period + 0.82 Cashbnck Bonus Balance $ 94.08 How Can We Hel YOU? 1 • Visit Discover.com fo pay your bill for no cost, view your I~ latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) For Fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liabiliy Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 17 Oct 17 PHONE PAYMENT -THANK YOU $ -141.00 Merchandise/Retail Sap 28 Sep 28 CVS/PHARMACY 1646 CARLISLE PA 2p,00 Sep 28 Sep 28 FETTER'S BROOKSIDE MARKE CARLISLE PA 50.1 1 Oct 6 Oct b WA4MART SC - #2574 CARLISLE PA 149.02 Gasoline Sep 28 Sep 28 CARLISLE FOOD MART CARLISLE PA 40.00 Cash Advances Oct 10 O<t 10 CASH ADVANCE CHECK #5891 404.80 Oct 10 Oct 10 CASH ADVANCE TRANS FEE FINANCE CHARGE 12.14 Supermarkets Sep 28 Sep 28 BEVERAGE EXPRESS CARLISLE PA 22,57 Sep 28 Sep 28 WEIS MARKETS #95 CARLISLE PA 50.39 Information For You Balance Transfer offer(s) for current bil h,g period: Daily Periodic Rate: 0.021899'0; corresponding ANNUAL PERCENTAGE RATE: 7.99°ro. Need Cash6 Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card VIJ~.V CK ~ rrpoysto ~ vnnivnr~rti, ivr~ ~~j,~~E~• Account number ending in 22b8 Get added security with no paper trail Make your account information more secure with password-protected statements that on{y you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. tQ2009 Diuover bank, Member FDIC Closing Date: Ocbber 19, 2008 Page 2 of 2 finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $5829.27 0.079429'0 28.99% F 28.999'0 $138.89 $0 Cash Advances $139.48 0.079429:0 28.999:0 F d5.8290 $3.32 $12.14 Th. rtes th mlv to w~~ItR~l~firw ~ithet fiwd (FI er they mtlq oDPq (V) 4i nat~d obevfa. QUeSt1011S? Manage your account at Dlscover.com or „y„ ~.~wun~ i~uuwm anuuiy in awe V~a7~rV tK $6,322.98 ` $173.00 Enter Amount Enclosed Below Payment Due Date $ December 18, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. t9 SDSN6A010003172 BARNHART, IDA 71 MOON6ALE DR CARLISLE PA 17013-2116 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illrrrll"""111'1"II"'I CHARLOTTE NC 28272-1084 InlJluln~l~llu~lnl~ln~lllln~lulnlnllnfnlnlil~ill D00001986451439387268063229800000000017300 i Discover More Card Account Summary Closing Date: November 19, 2008 page 1 of 1 AccounT number ending in 2268 Previous Balance $6,323.68 Payment Due Date December 18, 2008 Payments And Credits - 158.00 Minimum Payment Due $173.00 Purchases + 0.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $277.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 Finance Charles _ `_!_ _______+,___ _157.30 Cash Credit Available $277.00 New Balance = $6,322.98 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 94.08 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 94.08 Cashback Bonus® Anniversary Month: September CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800.DISCOVER (1-800.347-2683) to redeem. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view our {atest 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 M anager options or to speak with a Customer Service Account Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud linbflity Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Crodits Nov 18 Nov 18 PHONE PAYMENT -THANK YOU $ -158.00 Information For You Balance Tran~fsr offer(s) for current billing period: Daily Periodic Rate: 0.021899'0; corresponding ANNUAL PERCENTAGE RATE: 7.999'0. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE I n e Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5964.09 0.079429'0 28.9990 F 28.999'0 $146.83 $0 Cash Advances $425.31 0.079429:0 28.999'0 F 28.99°I0 $10.d7 $0 The rates that apply to your Account an either fixed (F) or they mey vary (V) ae Hated rabeve. V~'LrY CK $6,388.58~- 19 SDSN6A01 0003173 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ,.r.~,a~~~ ~~o nc.wuni rvumoar enamg m [[oo $1b8.00 ~ Enter Amount Enclosed Below Payment Due Date $ ~- Jnnuary 18, 2009 Please make check payable ro Discover Card or pay online ~ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 ~~~"'~~"""~~ ~'~"~~"'~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone changed Print change in space ~i~~ilf~~l~~il~~l~~~~~~~~~~~i'~I~~~~~~~~~~I~~~I~~ ~~~I~i~~~~i~~ above, or go to Discover.com. Print your e-mail address to receive importoni Account information and special offers. 000001986451439387268063885 800000000016800 Discover More Card Account Summary Dosing Date: December 19, 2008 page 1 of 2 Account number ending in 2268 Previous Balance $6,322.98 Payment Due Date January 18, 2009 Payments And Credits - 173.00 Minimum Payment Due $168.00 Purchases + 85.70 Credit limit $6,600.00 Cosh Advances + 0.00 Credit Available $21 1.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 + fin ancs Chor~ss 152.90 Cash Credit Available $211.00 _ ___ New Balance __ _ $6,388.58 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 94.08 New Cashback Bonus This Period + 0.21 Cashback Bonus® Anniversary Month: September Cashback Bonus Balance 94.29 CONGRATULATIONSI Your Cashback Bonus(RI is wniting for you. Visit Discover.com or call 1-800-DISCOVER (1-800-347-2683) to redeem. How Can We Help You? 1 • Visit Discover.com to pay your bRl for no cost, view our latest Account information, earn and redeem rewards and more our choice - 3 wa s to hel ~t'S 2. Call 1-800-DISCOVER (347-2683 for fast, easy self-service p y y options or ro 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 Sak Lake City, UT 84130 Transactions $0 Eraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dais Payments and Credits Dec 18 Dec 18 PHONE PAYMENT -THANK YOU $ -173.00 Merchandise/Retail Dec 16 Dec 14 KMART CARLISLE PA 39.64 Dec 16 Dec 1 b - _ _ DOLIAR-GENERAL #0846 CARLISLE PA 16.56 _ __ Automotive Nov 25 Nov 25 ADVANCE AUTO PARTS #1256 CARLISLE PA 29.50 Information For You Balance Transfer offer(s) for current bift'rrg period: Daily Periodic Rate: 0.021899'0; corresponding ANNUAL PERCENTAGE RATE: 7.949'0. VIJ~.V CK DI r , "f~/ R I Account number endin in 2268 SC+~~ E 9 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. -~ . Sign up today at Discovercom/paperfess R C 4i '~^2U09 Uixuver Dank, Member FDIC Closing Dote: December 19, 2008 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Transaction Periodic Fee Daily Balances Periodic [Zates PERCENTAGE PERCENTAGE RATES RATES FINANCE FINANCE CHARGE S CHARGES current billing period: 30 days Purchases $5981.39 0.079429'° 28.993'° F 28.999:° $142.52 $0 Cash Advances 5435.73 0.079429b 28.99% F 28.99% $10.38 $0 The rags that aao v t voyr. Aran unf are wither Fixed (F) or they may vary (V) as notrd above. QUestIOnS? Manage your account at Discover.com or _ _......__ ..................~~.~...~....... i-.~wurn ~vvuiwi nnuu~y m L<vo VIJ~. V GK $6,403.30 I $173.00 I Enter Amount Enclosed Below Payment Due Date February 18, 2009 please make check payable to Discover Card or pay online ~ Discovercard.com. 19 SDSN6A01 0003174 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperfess. PO BOX 71084 Illr~~ll,~rr~rlllrl~rll~rrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print change in space I~iI~II~~I~~~l~ll~~~'i~l~l~~~lll~~~~l~~l~~'~~I'r~I~~~i~l~l~~ll above, or go to Discover.com. Print your e-mail address to receive important Account inFormation and special oFFers. 000001986451439387268064033000000000017500 Discover More Card Account Summary Closing Date: January 19, 2009 page 1 of 2 Account number ending in 2268 Previous Balance $6,388.58 Payment Due Date February 18, 2009 Payments And Credits - 202.99 Minimum Payment Due $175.00 Purchases + 58.28 Credit limit $6,600.00 Cash Advances + 0.00 Credit Available $196.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 Finance Char$ss + 159.43 Cash Credit Available $196.00 _ ___ New Balance $6,403.30 You may be able io avoid Periodic Finance Charges, see fhe reverse side For details. Cashback Bonus Opening Cashback Bonus Balance $ 94.29 New Cashback Bonus This Period + 0.05 Cashback Bonus Balance $ 44.34 Cashback Bonus® Anniversary Month; September CONGRATULATIONSI Your Cashback Bonus(R( is waiting for you. Visit Discover.com or call 1-500.01SCOVER (1.800.347.2d63) to redeem. How Can We Help You? 1 • Visit Discover.eom to pay your bdl for no cost, view your l f atest Account in ormation, cam and redeem rewards and more It's your choice - 3 ways to help 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 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 Dots Date Payments and Crodits Dec 21 Dec 23 KMART CARLISLE PA $ -34.99 Jan 18 Jan 18 PHONE PAYMENT -THANK YOU _168,00 Merchandise/RetaJ Dec 23 Dec 23 TOYS R US 8315 CAMP HILL PA 42.39 Services Dec 23 Dec 23 HOLIDAY PHOTOS 8 CAPITAL CAMP HILL PA 15.89 Information For You Balance Transfer ofbr(s) for current billing perwd: Daily Periodic Rate: 0.021899'0; corresponding ANNUAL PERCENTAGE RATE: 7.995'0. V~~~~Y C~ rr pays to ~ ~,., ., ,~,., .. 1 ~l'$C~,"~~ER. Account number ending in 2268 Get added security with no paper trail Make your account information more secure with passward-protected statements that only you can access. • Access up to 24 months of downioadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. -, ', Sign up today at Discovercom/paperless ` R' i sir .... ~ *a~~' f~~r ,~ { k F 2009 Discover bank, FAnm6er FDIC Closing Date: January 19, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $6029.29 0.079429b 28.9990 F 28.99% $148.44 $0 Cnsh Advances $44b.40 0.079429'0 28.999'0 F 28.999'0 $10.99 $0 Thy ratst that apply to your Aee®rnt on ~ith~r Fixed (F) or they rr-ay vary (V) as notid obove. QUeStlonS? Manage your account at Discover.com or V~.7~.v~V ~K $6,707,36 i9 SDSN6AO1D003175 BARNHAR7, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ..............~ ~ ..r~,~o... vvo $352.00 I n~wun~ ~wnwei miuuiy m LtuO Enter Amount Enclosed Below Payment Due Date March 18, 2009 Please make check payable to Discover Card. rli it Pa th m f th thl Y . y e su e mon y ou are ove m o minimum payment plus the overlimit amount of $107.36. Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discover.com/paperless. PO BOX 71084 Illrr~ll~rr~r~lll~lrrll~r~l CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space I~~I~II~~I~~~I~II~~~I~~IiI~~~IIII~iiI~~I~~I~iII~~I~~I~i~~I~~II above, or go to Discover.com. Print your e-mail address to receive important Account informotion and special oFFers. 000001986451439387268067073600000000035200 Discover More Card Account Summary Closing Date: February 19, 2009 page 1 of 2 Account number ending in 2268 Previous Balance $6,403.30 Payment Due Date Mareh 18, 2009 Payments And Credits - 0.00 Minimum Payment Dve $352.00 Purchases + 142.91 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 Finance Charges + 161.15 Cash Credit Available $0.00 _ _ New Balance _ _ $6,707.36 You may be ab{e io avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 94.34 New Cashback Bonus This Period + 0.16 Cashback Bonus Balance $ 94.50 Cashback Bonus® Anniversary Month: September How Can We Help You? 1 • Visit Discowr.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-Boo-DISCOVER (347-2683) For Fast, easy selfservice options or To speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with conRdence. Trans. Post Date Date Merchandise/Retail Jan 18 Jan 20 KMART CARLISLE PA $ 49.91 Other/Miscellaneous Feb 19 Feb 19 OVERLIMIT FEE 34.00 Feb 19 Feb 19 LATE FEE 39.00 Gasoline Jan 21 Jan 21 GIANT FUEL # 1 12 CARLISLE PA 15.00 000006 Information For You _ _ Balance Transfer alter(s) for current billerg period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE RATE: 28.999'°. * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Income Gap Protection gives you cash when you need it most -when your income is interrupted by involuntary V~J~.~ ~~VCK ~r paya ro 4 ~~5~'~".AVER , Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your stoternent as soon os it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print o paper copy of your statement onytime. -.. ~ Sign up today at ~' Discovercom/paperless R `~~ ~~ -- ~ . z 2004 Discover bank, Member FDIC Closing Date; February 19, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $6087.83 0.07942% 28.9990 F 28.99 $149.89 $0 Cash Advances $457.53 0.07942% 28.993° F 28.99% $1 1.26 $0 Thi abs that appl q wr ~~ylrtt rAre either fixed IF) qr they mar vitry IV) as noted elbeve. QUeStiOns? Manage your account at Discover.com or VIJi,.° V CK _ _._..__ ..,.,.,,..~,., . wr~..a~.~ ~„Q r~ccuunr rvumoer enamg m LLOtS $6,936.12 I $518.00 I Enter Amount Enclosed Below Payment Due Date Apra 18, 2009 p~~ make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $336.12. 19 SDSN6A01 0003176 BARNHART, IDA 71 MOONI;ALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure wdh password- protected statements only you can access. Leam more at discover.comlpaperless. PO BOX 71084 (~~rn~~rnns~~~r~n~~rr~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print change in space ~i~~~~~~~~~~~~~~~ri~~~~~~~i~~~~~~~~r~,r~„~„~~,r~,r~~i~i~ri{~ above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. OOOOD1986451439387268069361200DODOODD5180D Discover More Card Account Summary Closing Date: March 19, 2009 page 1 of 1 Account number ending in 2268 Previous Balance $6,707.36 Payment Due Date April 18, 2004 Payments And Credits - 0.00 Minimum Payment Due $518.00 Purchases + 78.00 Credit Limit $6,600.00 Cash Advances + O.QO Credit Available $0.00 Balance TransFers + 0.00 Cash Credit limit 900.00 $5 Finance Charles 150.76 + Cash Credit Available , $0.00 ___ __ New Balance _ ,__ $6,936.12 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Ct]shbctt:k Sonus~ Opening Cashback Bonus Balance $ 94.50 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 94.50 Cashback Bonus® Anniversary _. _ _. Month: September How Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, eam and redeem rewards and more It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 2. Call 1-800-D{SCOVER (347-2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30443, Salt lake City, UT 84130 Transactions $0 Fravd Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miuellaneous Mar 19 Mar 19 OVERUMIT FEE $ 39.00 Mar 19 Mar 19 LATE FEE 34.00 information For You * *ATTENTION* * The day of the month that your payment is due will be changing. Your new Payment Due Date will be printed at the top of the remittance coupon on the statement you receive For your billing period that ends aker May 1, 2009. Your Payment Due Date will continue to be at least 25 days from the Closing Date shown on fhe. billing statement. . *** ATTENTION "** We previously requested the past duo amount on your account. We have no record of receiving payment. The amount due should be paid at once. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fse Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE dances Rates RATES RATES CHARGES CHARt..ES current biNing period: 28 days Purchases $631 1.41 0.079429'0 28.99% F 28.99% $140.34 $0 Cash Advances $468.36 0.07942% 28,99% F 28,99% $10.42 $0 The raps that apply to your Account on either fixed (F) or they mtey vary (V) as noted abetve. V~JLiV CK .,r.~~o~~~ we n~wum ~~uuwer mwury ur ccaa $7,18b.95yV ~ $706.00 I Enter Amount Enclosed Below Payment Due Date May 18, 2009 please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $586.95. 19 SDSN6A01 0003177 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 ~~~"'~~"""~~~'~"~~"'~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space I~~'~~I~~I~~~~~`~~~~f~~~~l~~~~'I~~~~I~~'~~'~~~~~rl~~~~~~~I~~I~ above, or go to Discover.com. Print your email address to receive important Account information and specie{ offers. 00000198645143938726807186950D000000070600 Discover More Card Account Summary Closing Date: April 14, 2009 page 1 of 1 Account number ending in 2268 Payment Due Date May 18, 2009 Minimum Payment Due $706.00 Credit Limit $6,600.00 Credit Available $0.00 Cash Credit Limit $5,900.00 Cash Credit Available $0.00 Previous Balance $6,936.12 Payments And Credits - 0.00 Purchases + 78.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charles + 172.83 New Balance = $7,186.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 94.50 New Cashback Bonus This Period + 0.00 Redeemed This Period 94.50 Cashback Bonuses Anniversary Cashback Bonus Balance $ 0.00 Month: September How Can We Help You? 1 • Visit Dis<ovsr.com to pay your bill far no cost, view our latest Account information, earn and redeem rewards and more ~trs your choice - 3 ways to help 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 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 CNher/Miscellaneous Apr 19 Apr 19 OVERIIMIT FEE $ 39.00 Apr 19 Apr 19 LATE FEE 39.00 Information For You * *ATTENTION* * The day of the month that your payment is due will be changing. Your new Payment Due Date will be printed at the top of the remittance coupon on the statement you receive for your billing period ihat ends after May 1, 2009. Your Payment Due Date will continue to be at least 25 days from the Closing Date shown on the billing statement. __ * * * ATTENTION * * * Your account is seriously pest due. Payment of the amount due and arrangements For future payments should be made immediately. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $6539.92 0.07942% 28.99% F 28.99% $161.02 $0 Cash Advances $479..47 0.07942% 28.999a F 28.99% $1 1.81 $0 The rates that apply to your Account are either fixed (F) or They may vary (V) as noted above. IJIJ~.~ V CI'C 57,438.17 19 SDSN6A01 0003178 BARNHART, IAA 71 MOONGALE DR CARLISLE PA 17013-2116 ..ru~eui vve rccounr rvumoer entlmg m LLOtS 5895.00 ~ Enter Amount Enclosed Below Payment Due Date $ -l June 14, 2009 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $838.17. Go paperless and make your account informatron more secure with password- protected statements only you can access. learn more at discover.comlpaperless. PO BOX 71084 ~~~"'~~"""111'1"~~"'~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change8 Print change in space ~~~~~~~~~~i~~~~~~r~i~rr~r~~ii~~~~ri~~r~~n~rr~~ii~~i~ii~i{~~~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OOODD1986451439387268D74381?OODDODODD895DD Discover More Card Account Summary Cbsing Date: May 19, 2009 page 1 of 2 Account number ending in 2268 Previous Balance $7,186.95 Payment Due Date June 14, 2009 Payments And Credits - 0.00 Minimum Payment Due $$95.00 Purchases + 78.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 + 173.22 Finance Charles Cash Credit Available $0.00 _ _ ~` _ ___ New Balance $7,438.17 You may ba able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Sonus~ Opening Cashback Bonus Balance $ 0,00 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonustffi Anniversary - - Month: September How Can We Help You? 1. Visit Discavercam to pay your bdl for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683] for Fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired] see reverse side Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dote Dais Other/Miscellaneous May 19 May 19 OVERUMIT FEE $ 39.00 May 19 May 19 LATE FEE 39.00 {nformotion 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 fransfer 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 Fait to pay the minimum payment due by the payment dus date. See the Default Rate Plnn section of the Cardmember Agreement for details. * * * ATTENTION *"* Your account is seriously past due. Payment of the amount due and arrangements For future payments should be made immediately. You're just a click away kom online assistance. Visit our secure Web site, 24 hours a day, at hops://www.CardmemberAssistance.com. IF you would like to speak with one of our knowledgeable Customer Service Representatives, please call us at 1-800.347.2683. VIJt,.Y tK u nays w Q~rJC-s"~~IER• I Account number ending in 2268 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's availab~e rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. ~ Sign up today at , Discovercom/paperless R ~; I ~ ~.: G2U09 Uiscovar honk, Member FDIC Closing Date: May 19, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances $Qtes RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $6779.10 0.079423'0 28.999e F 28.99% $161.52 $0 Cash Advances $491.22 0.079423'0 28.9990 F 28.993'0 $1 1.70 $0 The rats that apply to your Account are either fired (F) or they may vary (V) at noted above. QueStlOns? Manage your account at Discover.com or VIJ~.~~~ Y GI( $7,701.50 19 SDSN6AOt 0003179 BARNNART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure Mth password- protected statements only you can access. Learn more at discover.corrJpaperiess. PO BOX 71084 Ilir~~ll""'rlll'I"II"'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in spate I~~~~~~~~I~~~`iliiiil~ilrl~r~ll~~~~~Iri~rr~~rl~ri~rrlrrl~lrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645143938?268077015000000000109600 Discover More Card Account Summary Closing Date: June 14, 2004 page 1 of 2 Account number ending in 22b8 Previous Balance $7,438.17 Payment Due Date July t 4, 2009 Payments And Credits - 0.00 Minimum Payment Due $1,096.00 Purchases + 78.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 Finance Charges _ _ __,_+_ 185.33 Cash Credit Available $0.00 New Balance $7,701.50 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonuse Opening Cashbock Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 Cnshback Bonus® Anniversary Month: September ,,,,,,,,,,,,,,,,,,~.,....,, ,...o n~wvm iyurnoer enaing m [Lots $1,096.00 ~ Enter Amount Enclosed Below Payment Due Date July 14, 2004 Please make check payable to Discover Card. Minimum aym ent due includes a past due amount ofp$t395.00. Cashbock Bonus Balance $ 0.00 How Can We Help You? 1 • Visit Dixawr.com to pay your bbl for no cost view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8oo•DISCOVER (347-2683) for Fast, 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 impaired) see reverse side Salt Lake City, UT 84l 30 Transactions $0 Fraud Liabf{ity Guarantee Use your Discover Card with confidence Trans. Post Date Data Other/Miscellaneous Jun 15 Jun 15 LATE FEE Jun 19 Jun 19 OVERLIMIT FEE 39.00 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 your outstanding bylgnce of purchases and balance transfers. however, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement For details. * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. You're just a click away from online assistance. Visit our secure Web site, 24 hours a day, at https://vrv+w.CardmemberAssistance.com. IF you would like to speak with one of our knowledgeable Customer Service Representatives, please call us at 1.800.347.2683. VIJC.~ ,~ V CK n pays ro D~S~~~~VER I Account number ending in 22b8 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can occess. • Access up to 24 months of downlaadabie, printable statements. • See your statement as soon as it's available rather than wait for it to arrive ir7 your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at !' Discavercom/paperless ;, R ,~ -- „~. .}; X2009 Discover bank, Memfxr FCIC Closing Date: June 19, 2009 page 2 of 2 finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7024.20 0.07942% 28.99% F 28.999'0 $172.94 $0 Cash Advances $503.26 0.07942°k 28.999'o F 28.999'0 $12.39 $0 The rottl~that,apply to Your Account are either fixed (F) or they mey vary (v) as noted above. QUeStloil5? Manage your account at Discover.com or VIJL.~ V CIC _._..__ ............... . wr,,,a~~~ ..tee $7,926.11 I 51,297.00 I .,ccounr rvumoer enaing m LLOtS Enter Amount Enclosed Below Payment Due Date $ ~ ~, August 14, 2009 please make check payable to Discover Card. Minimum ayyment due mclvdes a past due amount oFP$1,04b.00. 19 SDSN6A01 0003180 BARN1iART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Go paperless and make your account information more secure wdh password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 tlLssllsnnrlllrlrrllnsl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (~~(i(I~~(~iilil(~~~(~~(~(rullllr~~(ril~~l~~((~rl~r(r~l~lrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986451439387268079261100000000129700 .~ Discover More Card Account Summary Closing Date: July 19, 2009 page 1 of 2 Account number ending in 2268. Previous Balance $7,701.50 Payment Due Date August l4, 2009 Payments And Credits - 0.00 Minimum Payment Due $1,297.00 Purchases + 39.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $O.QO Balance Transfers + 0.00 Cash Credit Limit 900.00 $5 Finance Charges 185.61 + Cash Credit Available , $0.00 _ New Balance _ _ _ _,_ = ~ $7,926.1 1 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 This Period + 0.00 Cnshback Bonus Balance $ 0,00 Cashback Bonus®' Anniversary _ _ _ _ Month: September 1. Visit Diuovsr.com to our bill for no cost, view our How Can We Help You? latest Account inFarmatia~Yearn and redeem towards and more It's your choice - 3 ways to help 2. Call 1-BOaDISCOVER (347-2b83) 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 Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dais Dafs Other/Miscellaneous Jul l5 Jvl 15 LATE FEE $ 39.00 Information For You Your Account is overlimit. While we are permitted under the Cardmember Agreement to charge you an 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 Account balance exceeds your Account credit limit. See the Overlimit Fee section of the Cardmember Agreement for details While we are permiRed 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 rata 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 yov fail to pay the minimum payment due by the payment due date. See the DeFauh Rata Plan section of the Cardmember Agreement For details. * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. VI~C,~:~.~V tK upays ro I ~.~.~~r,~.~, v~ Account number ending in 2268 Get added security with. no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discover.com/paperless ~; ;. ', ~~. -- .;:~ SJ2009 Uiscwar honk, Member FDIC Closing Date: July 19, 2009 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily slant Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 30 days Purchases $7275.25 0.0794290 28.9990 F 28.993'0 $173.33 $0 Cash Advances $515.59 0.079423e 28.9930 F 28.993'0 $12.28 $0 The raters that apply to your Account ire either fined (F~ er they moy very (V) as Hated above. Questions? Manage your account at Discover.com or VIJ~.Y CfK $8,162.60 ~ $1,510.00~r..,o... Vyol Payment Due Date September 1 A, 2009 19 SDSN8A01 0003181 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 Address, e-mail or telephone change2 Print change in space above, or go fo Discover.com. Print your e-mail address to receive important Account information and special offers. na.w~rn i~~moer enaing m [[oa Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $1,562.60. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at dlscover.comlpaperless. PO BDX 71084 III"'ll"""111'1"11"'I CHARLOTTE NC 28272-1084 Irrlrllrrlrrrlrllrrrlrrlrlrrrllllrrrlrrlrrlrrll~rlrrl,rlrlrrll 00~~~19864514393$7268081626I]Of]f]f]~D0~151~00 Discover More Cord Account Summary Closing Date: August 19, 2009 page 1 of 1 Account number ending in 22b8 Previous Balance $7,92b.11 Payment Due Date September 14, 2009 Payments And Credits - 0•~ Minimum Payment Dve $1,510.00 Purchases + 39.00 Credit limit $6,600.00 Cash Advances + 0.00 Credit Available $0.00 Balance TransFers + 0.00 Cash Credit limit $5,900.00 Finance Charges _ y + _ 197.49 Cash Credit Available $0.00 New Balance $8,162.60 You may be able to avoid Periodic f finance Charges, see the reverse side for details. Cashlxtck Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cnshback Bonus Balance $ 0.00 Cashback-Bonus®' Anniversary Month: September How Can We Help You? 1 • Visit Discowr.cem to pay your bbl fiat no cost, view year latest Account information, eam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selFserviee A M S anager ervice ccount options or to spook with a Customer Please have your Discover Cord available. 3. Write us at Discover Card, PO Box 30443, For TDD (assistance for hearing impaired) sea reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date C+thsr/Miscellaneous Aug 15 Aug 15 LATE FEE $ 39•~ Information For You Your Account is overlimit. While we are permitted under the Cardmember Agreement to charge you an Overlimit Fes, 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 Account balance exceeds your Account credit limit. See the Overlimit Fee section of the Cardmember Agreement For details. Finance Charge Summary Nominal Transaction ~e ~ o ANNUAL ANNUAL Periodic Fee Darly dic Pe r PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7493.03 0.07942% 28.99% F 28.99% $184.48 $0 Cash Advances $528.23 0.079429a 28.99% F 28.993'0 $13.01 $0 The rates that apply to your Account are either fixed (FI or they may very (V) es noted about. VWL.Y CR Ss,t62.bo 22 SDSNeA01 0003183 BARNHART, IDA 71 MOONGALE DR CARLISLE PA 17013-2116 ..........-.... -,~~~..... vv.. .-l~..vVI~I IVUllluvl tl1lUlllg In LLOO $8,162.60 I Enter Amount Enclosed Below Payment Due Date $ October 17, 2009 please make check payable to Discover Card. Minimum payment due includes a pnst due amount of $1,674.00. Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements on{y you can access. Learn more at discover.comlpaperless. PO BOX 6103 ~~~rr~~~~r~r~~r~~~~~~r~~~r~ CAROL STREAM IL 60197-6103 ~i~~u~~nun~~~l~u~nl~~~~nn~~~~~nnl~~~~~un~~~n~u~~ OD0001986451439387268081626000000000816260 Discover More Card Account Summary Closing Date: September 22, 2009 page 1 of 1 Account number ending in 2268 Previous Balance $8,162.60 Payment Due Date October 17, 2009 Payments And Credits - 0,00 Minimum Payment Due $8,162.60 Purchases + 0.00 Credit limit $6,600.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance _C_har$ss + 0.00 Cash Credit Available $0.00. New Balance $8,162.60 Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: September Cashback Bonus Balance $ 0.00 How Can We Hel You? 1 • Visit Discowr.cem to pay your biFl for no cost, view our P latest Account information, earn and redeem rewards and more tt's your choice - 3 ways to help 2. Call 1.8oo-DISCOVER (347.2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Information For You Your Account is overlimit. Whi{e we nre permitted under the Cardmember Agreement to charge you an 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 bi{ling period, your outstanding Account balance exceeds your Account credit limit. See the CNerlimit Fee section of the Cardmember Agreement for details. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balan4g~ Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CAGES current bil{ing period: 22 days Purchases $0 0.07942% 28.9930 F 28.99"° $0 $0 Cash Advances $0 0.07942% 28.99% F 28.993° $0 $0 The rates that apply to your Account are either fixed (F) or they meY eery (Y) ee nebd above. CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff s Motion for Summary Judgment has been served by U.S. Mail, Postage Pre-Paid, on ~ day of ~~~ , 2010 upon the following: Ida Barnhart 71 Moongale Dr Carlisle Pa 17013 By: Pa.I.D 9 98 Wel an, einberg & Reis, Co. 1400 op rs Building 436 Se nth Avenue Pittsburgh,' PA 15219 (412)434-7955 WWR No. 7887250 FILED-'0f ICE Ida M. Barnhart OF THE PROTHONOTARY 71 Moongale Drive ?Q?? NOV 29 ?? 2. ?? Carlisle, PA 17013 Defendant in Pro Per CUMBERLAND COUNTY PENNSYLVANIA Court of Common Pleas Civil Division State of Pennsylvania, Cumberland County Discover Bank Plaintiff, Vs. Ida M. Barnhart Defendant, Case No.: 09-8349 Motion to Oppose Summary Judgment The defendant, Ida M. Barnhart moves this court not to enter an order of final judgment in favor of the plaintiff, Discover Bank and as grounds therefore would show: 1. Plaintiff filed a complaint against the defendant for credit card balance due. 2. Defendant filed an answer with new matter. 3. Plaintiff replied to new matter. 4. Defendant asks to be granted a continuance on final judgment Page 1 V by opposing pleadings for judgment. a. There is factual evidence supporting Defendant's affirmative defenses. b. Defendant has been represented by Global Debt Management since February 4, 2009. C. Plaintiff was mailed a cease and desist letter sent March 3, 2009. d. Defendant is in a 40 month debt settlement program with Global Debt Management during which time the defendant was able to settle three(3)accounts in August 17, 2009; April 30, 2010; and July 26, 2010 respectively. 5. The Defendant disputes the amount due as stated in the Plaintiff's motion. The personal hardship that the Defendant stated in their answer to the complaint that caused the situation to arise was not caused by any irresponsible, reckless actions by the Defendant. 6. The Defendant is asking for a continuance to allow additional time to accumulate funds and negotiations between Plaintiff and Global Debt Management. Wherefore, Defendant moves this Honorable Court to oppose Plaintiff's Motion for Judgment on the pleadings. A copy of this response to the Court was mailed to the "Plaintiff's" Attorney, Benjamin R. Bibler, Esquire Weltman, Weinberg, and Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburg, PA 15219 Page 2 v November 29, 2010 Defendant in Pro Per Signature Printed Name Page 3 DISCOVER BANK, : IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : CIVIL ACTION,- IDA BARNHART,' Defendant : NO. 09-8349 CIVIL TERM s? C? -fl IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENrr BEFORE OLER and GUIDO, JJ. ORDER OF COURT AND NOW, this 6`h day of January, 2011, upon consideration of Plaintiff's Motion for Summary Judgment, following oral argument held on December 15, 2010, and for the reasons stated in the accompanying opinion, (a) Defendant is afforded a period of thirty days from the date of this order to comply in all respects with the procedure provided for in the parties' credit card agreement for the filing of an arbitration claim with respect to the parties' dispute, and to file with the prothonotary, and serve upon Plaintiffs counsel, a certification in this case that she has done so, (b) in the event that Defendant has not timely complied in all respects with clause (a) of this order, Defendant shall be deemed without further order of court to have waived her right to arbitration, (c) Plaintiff's motion is denied, without prejudice to its right to file a new motion for summary judgment upon the occurrence of a deemed waiver of Defendant's right to arbitration in accordance with clause (b) of this order, and (d) in all other respects, the present action is stayed. BY THE COURT) -, Jt esle y "Jr, Benjamin R. Bibler, Esq. Weltman, Weinberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Attorney for Plaintiff Ida M. Barnhart 71 Moongale Drive Carlisle, PA 17013 Defendant, pro Se . 00 DISCOVER BANK, : IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. : CIVIL ACTION IDA BARNHART, Defendant : NO. 09-8349 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER and GUIDO, JJ. OPINION and ORDER OF COURT OLER, J., January 6, 2011. In this credit card case, Plaintiff Discover Card has sued Defendant for a balance said to be due on her account in the amount of $8,162.60, plus interest, attorneys' fees, and costs of suit.' For disposition at this time is a motion for summary judgment filed by Plaintiff.2 For the reasons stated in this opinion, Plaintiff's motion for summary judgment must be denied, without prejudice. STATEMENT OF FACTS The allegations of Plaintiff's complaint may be summarized as follows: Defendant applied for and received a credit card having final digits of 2268,3 made use of the card to the extent of accruing a balance of $8,162.60 as of September 10, 2009,4 defaulted on her obligation to Plaintiff by failing to make monthly payments when due,5 and as a consequence was obligated to Plaintiff in the amount of $8,162.60,6 plus interest in accordance with an attached statement of account at the rate of 28.990% per annum from 1 Plaintiff's Complaint, filed December 3, 2009 (hereinafter "Plaintiff's Complaint"). 2 Plaintiff's Motion for Summary Judgment, filed October 25, 2010 (hereinafter "Plaintiff's Motion for Summary Judgment"). 3 Plaintiff's Complaint, ¶3. 4 Plaintiff's Complaint, ¶4. 5 Plaintiff's Complaint, ¶5. 6 Plaintiff's Complaint, ¶6. , attorneys' fees in accordance with the parties' agreement in the September 10, 20097 amount of $125.00,8 and costs of suit.9 Defendant's pro se answer to Plaintiff's pleading did not respond on a paragraph- by-paragraph basis to the complaint, but stated that she "generally denie[d] the allegations due to the complaint based on lack of information and belief,"10 and recited three "affirmative defense[s]," as follows: First Affirmative Defense "(Agreement to Arbitrate) The credit card agreement may state that disputes may be resolved by binding arbitration. Defendant elects to have all disputes related to the credit card agreement resolved by binding arbitration." Second Affirmative Defense "(Amount in Dispute) The account balance claimed by plaintiff is not accurate and the total amount that is owed, if any, is in dispute." Third Affirmative Defense "(Financial Hardship) Due to a serious financial crisis, defendant does not have sufficient funds to pay the full amount of the undisputed debt, if any. My family suffered a loss in wages, which forced us to live on one income. During that time I had to utilize credit for necessities such as food. After we were back to earning two wages, we had childcare expenses that we did not have before and took all of my husband's pay. I had to continue using credit for necessities and fell further behind. I had tried to make payments to the best of my ability but I kept falling behind. I want to pay off my creditors. Because of this desire to pay them off, I have elected to use a debt settlement company, Global Debt Management, to assist me with this." Defendant concluded her responsive pleading by requesting that "Plaintiff takes nothing by way of his complaint" and seeking an award of "Defendant's costs of suit."12 7 Plaintiff's Complaint, % 8 Plaintiff's Complaint, ¶¶7, 8. 9 See Plaintiff's Complaint, ad damnum. 10 Defendant's Response, filed December 23, 2009 (hereinafter, "Defendant's Response.") " Defendant's Response. 12 Defendant's Response. 2 On October 25, 2010, Plaintiff filed the motion for summary judgment sub judice, attaching to it a copy of the parties' purported "Cardmember Agreement."13 A provision of this agreement reads as follows: Arbitration of Disputes. Agreement to 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, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL 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 ARBITRATEANYCLAIMSASAREPRESENTATIVE 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.ora (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. 13 See Exhibit A, p. 12-13, affixed to Plaintiff's Motion for Summary Judgment. 3 Fees and Costs. At your written request, we will advance any arbitration fling, 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 for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $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 provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, DFS Services LLC), 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. 14 Argument on Plaintiff's Motion for Summary Judgment was held on December 15, 2010. DISCUSSION "[A]s a matter of public policy, our courts favor the settlement of disputes by arbitration ...." LSI Title Agency, Inc. v. Evaluation Services, Inc., 2008 PA Super 126, ¶20, 951 A.2d 384, 391. "Generally, it is the defendant who seeks to invoke and enforce 14 Exhibit A, pages 12-14, affixed to Plaintiff's Motion for Summary Judgment. (Mistakes in original) 4 an arbitration provision in a contract after having been hailed to the civil courts by the plaintiff." Id. at ¶20, 951 A.2d at 392. Typically, a defendant's election to avail himself or herself of the arbitration option is presented as an affirmative defense in the defendant's answer to the complaint. See, e.g., Kwalick v. Bosacco, 329 Pa. Super. 235, 478 A.2d 50 (1984); Nationwide Mutual Fire Ins. Co. v. Hamilton, 2010 WL 1445554 (W.D. Pa.). "[A] waiver of a right to proceed to arbitration pursuant to the term of a contract providing for binding arbitration should not be lightly inferred and unless one's conduct has gained him an undue advantage or resulted in prejudice to another he should not be held to have relinquished the right." LSI Title, 2008 PA Super at ¶20, 951 A.2d at 392. Under Section 7304(d) of the Judicial Code, "[i]f [an] application for an order to proceed with arbitration is made in [an] action or proceeding and is granted, the court order to proceed with arbitration shall include a stay of the action or proceeding." Act of October 5, 1980, P.L. 693, §501(a), 42 Pa. C.S. §7304(d). On a motion for summary judgment, the record includes pleadings, depositions, answers to interrogatories, admissions and affidavits, and reports signed by an expert witness. Pa. R.C.P. 1035.1. In the present case, Defendant's answer to Plaintiff's complaint indicated her election to proceed to binding arbitration with respect to the dispute between the parties. The agreement between the parties attached to Plaintiff s motion for summary judgment permitted her to do so. Accordingly, the record upon which Plaintiff's motion is to be disposed of reveals that the motion is, at best, premature. For these reasons, the following order will be entered: ORDER OF COURT AND NOW, this 6t' day of January, 2011, upon consideration of Plaintiff's Motion for Summary Judgment, following oral argument held on December 15, 2010, and for the reasons stated in the accompanying opinion, (a) Defendant is afforded a period of thirty days from the date of this order to comply in all respects with the 5 procedure provided for in the parties' credit card agreement for the filing of an arbitration claim with respect to the parties' dispute, and to file with the prothonotary, and serve upon Plaintiffs counsel, a certification in this case that she has done so, (b) in the event that Defendant has not timely complied in all respects with clause (a) of this order, Defendant shall be deemed without further order of court to have waived her right to arbitration, (c) Plaintiffs motion is denied, without prejudice to its right to file a new motion for summary judgment upon the occurrence of a deemed waiver of Defendant's right to arbitration in accordance with clause (b) of this order, and (d) in all other respects, the present action is stayed. BY THE COURT, s/ J. Wesley Oler, Jr. J. Wesley Oler, Jr., J. Benjamin R. Bibler, Esq. Weltman, Weinberg & Reis, Co. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Attorney for Plaintiff Ida M. Barnhart 71 Moongale Drive Carlisle, PA 17013 Defendant, pro Se 6 l? i C ca j cr ! a.r`. J<_ Plaintiff 1D?lh m , 8arnk-A-rf Defendant In The Court of Common Pleas of Cumberland County, Pennsylvania No. O? - ?3 Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duties of our office ignature L JY 'SA 1, ..l tlea / r 'nVAA Name .2o6AJo,- A k46,tir S(?efi Address t.s)e- PA r7v13 City, Zip Qun C-0^ Law Firm 6nf r.J? vtc ? . Address or 1, s It PA- (?0j 3 ity, Zip Award ti -;/ ? . Signa re • L? Nam A4.r cc 11a o- k; yis'1o Law Firm I X00Waln"t 131, itc?rn Nod0-d drg V1Vt 3?I C le" 1,. 3 IT 104 1 70 ? City, I Zip We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) W e tf% 0( 1 C% n ., o r r3 t 1 a w 4-k e ex ms < a 7 6 0, ty'\ A nt L& ` c ")'n +-I- i s ecie . Date of Hearing: S? 1 d Date of Award: S' 116 , ( l . Arbitrator, dissents. (Insert name if applicable.) (Chairman) Notice of Entry of A Now, the l,?- day of 20 lJ , at /Z? y0 , P.M., the above award was entered upon the docket and notice ther f given by mail to the parties or their attorneys. compensation to be paid upon appeal: $ 350.00 Prothonotary By: Deputy Gr- ;F?e f, ASS s-a c?a+,rr Law Firm r iLL U? F THE PRO1 [HO N ,., 2011 MAY 12 PM 12: 40 r',UMBERLAND COWll.'`. PENNSYLVANIA 6r? -:01-7111 w FILED-OFFICE OF THE PROTHONOTARY 2012 JAN I I AM 11: 49 CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. IDA BARNHART Defendant No. 09-8349 PRAECIPE FOR JUDGMENT ON AWARD OF ARBITRATORS FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T Molczan, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#07887250 "'o is ku .Sc d /6 9;u 1&:5, l o3M1109 P, 1? at#9to13 N1.1 1M..' 1? I IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. IDA BARNHART Defendant Civil Action No. 09-8349 PRAECIPE FOR JUDGMENT ON AWARD OF ARBITRATORS TO THE PROTHONOTARY: Enter Judgment against Defendant, IDA BARNHART, on the Award of Arbitrators in the amount of $8287.60. 1 hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: 4, Eo??? William T Molczan, Es e PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#07887250 Plaintiff's address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendantl is: 71 MOONGALE DRIVE, CARLISLE, PA 17013 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 09-8349 IDA BARNHART Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment a entered against you on (xx) Assumpsit Judgment in the amount of $8287.60 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict (xx) Arbitration Award Prothonotary IDA BARNHART 71 MOONGALE DRIVE By: CARLISLE, PA 17013 PROTHO . •I?iC coder &'Ic Plaintiff QarnkoLr-V Defendant In The Court of Common Pleas of Cumberland County, Pennsylvania No. 09 - ?3 Y Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duties of our office ignature c SSA 3 Kr Name X66 AID,- A kmmiait ?1?CeCfi Address C? ?;s)e PA /7013 City, Zip Oki n E.ar• Law Firm L%C TrV1gxr-kc.i1 Address oc- i,sit & r?u, 3 ity, Zip r-6?a 7/ Signa re • t? Nam merCtllpd kIV1SIG Law Firm -d Ia00(AJ0 AAA e f(Jr, N 00 6 drF .011 t 33) CA-, 1',,J it, 1°A ??oJ? City, I Zip Award We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) l? of 1 a.+o`r a-F e(aiai i,, -Ke amo<<•A o-F rR' QR2. 6 0• (n rn 0 nt k & 'I) '--V +-I- Z r ocycie • v U , . Arbitrator, dissents. (Insert name if applicable.) Date of Hearing:_ ?l 161 If Date of Award: (d / ( I (Chairman) Notice of Entry of Aw Now, the /;Z- day of M , 20 11 , at 1?2< </D , / .M., the above award was entered upon the docket and notice therdbf given by mail to the parties or their attorneys. TRUE COPY FROM RECORD Arbitra ' compensation to be paid upon appeal: $ ?3S0.00 bTeatrnonywhsreot,there unto setnWWd OW #0 a" d saki Court at Carft* P& By: ?- ,L! i? 7? Prothonotary Deputy '?J' Pr' l Se, e c,43 s a c 1,.+,rs, Law Firm WELTMAN, WEINBERG & REIS, CO. , L. P.A. BY: William T. Molczan, 47437 Attorney for Plaintiff (s) I .D. No. 47437 436 7th Ave Ste 1400 Pittsburgh PA 15219-1827 (412) 434-7955 FAX: 412-338-7130 File # 07887250 C A Pit SJS DISCOVER BANK IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs . IDA BARNHART G CP CASE NO. 09-8349 MCC C �� �7 -um.r a m -cv PRAECIPE TO SATISFY p2 iv : TO THE PROTHONTARY: Kindly mark the case and judgment entered against Defendant IDA BARNHART as satisfied. WELTMAN, WEINBERG & REIS CO. , L.P.A. By William T. olc Attorney for P ntiff