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Home My WebLink About09-8353 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. SANDRA P TRAN Defendant No: 69_ ?--3 5 3 ?N!! 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 07777095 C A Pit KMJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No SANDRA P TRAM 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: SANDRA P TRAM 219 S 18TH ST # 2 CAMP HILL, PA 17011 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX6060 . 4. Defendant made use of said credit card and has a current balance due of $7604.45 , as of February 09, 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 18.240s per annum on the unpaid balance from February 09, 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 , SANDRA P TRAM individually , in the amount of $7604.45 with interest at the rate of 18.240. per annum from February 09, 2009 plus attorneys' fees of $125.00 , and costs. James C. ar r t,42524 WELTMAN EINBERG & REIS CO., L.P.A. 436 Se n h Avenue, Suite 1400 , PA 15219 Pitts731-7955 (412) FAX: 38-7130 07777 A Pit KMJ This law firm is a debt collector attempf' g to collect this debt for our client and any information obtained ill be used for that purpose. a DISCOVER CARD r Y e New Balance Minimum Payment Due Account Number ending in 6060 $0.00 $1,420.00 Enter Amount Enclosed Below Payment Due Date $ February 27, 2007 31 SDSN6A01 0000992 SANDRA TRAN Will your payment get to us on time? Pay 219 S 18TH ST B 2 your bill online and your payment can be made to your account on the some day. Visit CAMP HILL PA 17011-5514 Discovor.com/payments today. PO BOX 6103 CAROL STREAM IL 60197-6103 Address, *-mad 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. 000001986458784216331000000000000000142000 Discover Platinum Card Account Summary Closing Dale: January 31, 2007 page 1 of 1 Account number ending in 6060 Previous Balance $7,604.45 Payment Duo Date February 27, 2007 Payments And Credits - 7,604.45 Minimum Payment Due $1,420.00 Purchases + 0.00 Credit Limit $7,700.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $3,900.00 Finance Chmps + 0.00 Cash Credit Available $0.00 New Balance = $0.00 n shbook Bonus' C Opening Cashbock Bonus Balance $ 0.00 a New Cashbock Bonus This Period + 0.00 Cashbock Bonus Balance $ 0.00 Cashback Ba1us® Anniversary Date: July 18 How Can We Help You? 1. Visit D scover corn to pay your bill for no cod, view our latest Account information, earn and redeem rewardi and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for Fast, easy sel6service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TOD (assistance for hewing impaired) we reverse side Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. t Trans. Post Doer Date Parnerft and Credits ion 31 Jan 31 INTERNAL CHARGE-OFF $ -7,604.45 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FRJANCE FINANCE Balanco Rates _ RATES RATES___ CHARGES CHARGES- current billing period: 13 days Purchases $0 0.04997% 18.24% V 18.24% $0 $0 Cash Advances $0 0.05819% 21.24% V 21.24% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 5 Irnpartarrt Irrltrrratlom If there Is more than one page to this billing statement, see the back of each page for additional Important information. See ye or CrAMnlh. Agreerrrwc Your Cardmember Agreement contains all the terms of your Account 00 U) Lott or t 1- Cards. Report immediately! Call 1-500-347.2569. In Case of Errors or Questions About Your ?II: I1 think nk r bill I4 wrong a If you need m information about a t?rra?nsp{octioT on your 11, write to us on a separate s? of at iscov6r Grd; pfgox 30421 Salt Lake Clty.. UT 84p10.-04 1?W grta lephone n0 later than 0 sent you the first bl I on which the error a em a side. WE mUSt heat from g ive us Nb Tollowing inlamation: l tt g o ?r er, g e r rights. In your lll domg and s b mum il o ur n r amount o1 the susoect? error em you are unsure i t • he oa L ou need more information, desccribe the y am. U n an, why you believe there Iss a d exptaih if youc a n • Descri thee error N x y o u tl vo u n? u of p a n "" ^ Wj jie ytheNyesUgate yaouni qu eeSttoi ?w cainrwt rep rtnyouti3S delinquerft aorta cetiany aac?ia to IIECt N! ama^t you Qluestlaare not in question. u and Soagal llyda 1?r CnOt CaM PrreMtat: If have a or?Iem with the quality of goods a servlrxs Nat vonu oumroahint due o th n the?good, it cam, Bu have triad n faith to correct Neem with the merehaM you may not Nava to pav the remai^I a rt Ne purchase was r hone state a with 100 miles made I e v when the W ase price was more than ;5u are covered l h l Y y? ases ses pur urc y OU have Nis a1 on r mall)na a ressi (if tie own a operate Ne merchant, a i1 we mailed Ne advertisement fa Ne s a services, al e) rc h a s u mount a location Ot p th ? e a gaMlett df ?? e?veloDe aovi po of ? gv nor you ch?k as t o o t h e P Send onl r z usntcausde iniorM onl? of Ni?st?atemth intake an electronrc'tund?transfer fromyour!h. nt adit^E Tfnancia n in?on Wur check a to orocs Ne??t as akcheck VansacUOn. If payment Is processed as an electronic fund transfer, the nic fund transhr funds may be U t l o ec ro ins f?ajn will be fa Ne tmount of the chEC when se Infamatfon tram yvoouur check to make an e r account as soon as Ne same day we receive your payment and you will not receive your check back trom your financial f rom you wlNdravm institution. daIavea meSpon with you oaVm sand pavm The processing of r ent maybe dth6r Na the one provided PaVmen?tsce receft? ? totter 1 PMra[ par ent If sing facilithtleAlo^d o an oNef address a Ii u an env61o0e i wit be led to r A Bun t a of the nett easiness d ti you h misplaces our envel through Friday a an arid a ba?c ^aW Wyss amm rntahl^3.Iease allow )-10 days f?r delvery. tt your payme Is retain on Ne m Nty statement baked dribredits or parym We m Informatiar about ur account to credit bureaus. Late payments, missedAOaym t s, o r oth defaults ai ur. • „• h, remit the status and oavme t story W youu _ _pmt?rJJ; FNprrce Chair We will charse you a minimum FINANCE CHARGE of $.50 fa any billing period In wmcn renourc nnanrz -asy? ess Nan =.50 would othbrwise De Imposed A l Fee. 11 your Account has an annual fee It will be billed at the bedfnnlna of each annlversarv waf_ yourtAAccount Isssoopen , TThee amouAnof the fa appears On Ne statement when the fee fs billed. The annual fee 13 not rMundable unless vo0 n ry s Xo you useyur Card within 30 days of the mailing or delivery date of the statement on which the fee is billed. You wlfl receive this re u d even f1 during that period. IW q?a prsaroa? We sort va r transactions Into 9rouT of purchases, cash advances and balance transfers and then further sort the transactions within eacrS pr'ouu by th eir Annual Percentage Irate. For a amee purchases suiTect to a dromotional rate and purchases sun ct t as sst'andPaerrdf rate world beC seropaersate grout. Wye refer to these Gcoups as trans I n catedpdes. At V ens of each billing od, we canpto F'nence odic Financ hhh for eac categdf the billing pehod for each transaction Category. We use the following 6q ation to compute Periodic Charges for eacsaction (Average Daily Balance) times (days in billing period) times n(?Daily Periodic Rate). 1(Vou mayy refer tg Ne finance charge summary On ce ChortlingfortomeAunt The Averag Daily B Ba alanc i3 Peridic as zero if n?auh eofthe for grrace trans=a catteedgoar??cl0?et the total Pedodic Finan orqes yvoouu period, no PenaOkfinalfce Charges apW to the balance T a trarfsactlon rat F We use flu Average Daily Bel rice (I^C?uding new transactions) meNOd of c c ln? Nbtahe eat al nasin is Mina DrieoIdG for ante the has finance Chafges In the applicable balance trans er Vansac con c eg Fr TDD (TelecwrrradcSlom Dovlce ter the Deaq aasletance, please CA 1-900-347-7449. 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. (S WWR# 7777095 Sandra P. Tran 6011002680356060 1 { Tpc ? ARY 2uC'2 C+Jt ? S7 1- 5-6 L , y 'p- Ck y34 -3 -7 7.? /gold-3yyyq r APR 3 0 Z01~ 5 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. SANDRA P. TRAN Defendant. No. 09-08353 MOTION TO AMEND CAPTION-.' -c, _~, .s-- ~. c.,_ _~ ~,; --, ,., "~ .~: ORDER OF COURT ~~ AND NOW, to-wit, this ~ day of ~ 2010, upon consideration of Plaintiff's foregoing Motion to Amend Caption, to add an "Also Known As" to the Defendant's name as listed in the Caption, it is hereby ORDERED, ADJUDGED and DECREED pursuant to PA.R.C.P. 1033, that Plaintiff's Complaint is amended to list her name as "Sandra P. Tran also known as Sinh Phan Tranphon." It is further ORDERED, that the Prothonotary of Cumberland County, Pennsylvania shall amend the docket entries to reflect the amendment affected by this Order. BY THE COURT: ~ .3~ R-~Y f `l` R~ ~.. 2~,,(~ sf ~/iv ~'1 ~~~ IN THE COURT OF DISCOVER BANK, Plaintiff, PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO: 09-08353 v. SANDRA P. TRAN a SINH PHAN TRANPH ] MOTION FOR LEAVE TO FILE AN AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD FOR THIS PARTY: Lyndsay E. Rowland, Esquire Pa. I.D. # 205520 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 7777095 ~~ ~ ~' -:, o ~ r~~ ~~ ~ -, ~''~, ~_ , _ -- . , ~ _ - e, .~ - ~ ~., W (.a.~ ~ -- O " IN THE COURT OF C DISCOVER BANK, Plaintiff, PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO: 09-08353 v. SANDRA P. TRAN SIKH PHAN TRAN MOTIOli~1 FOR LEAVE TO FILE AN AMENDED COMPLAINT AND NOW, co Weinberg, & Reis Co., Complaint, averring as 1. On or about recover a debt. 2. On or about Plaintiff s Complaint. the Plaintiff, Discover Bank, by and through its counsel, Weltman, .A., and files the following Motion for Leave to File an Amended 3, 2009, Plaintiff filed a Complaint against the Defendant to 16, 2009, Defendant filed preliminary objections to the 3. Thereafter, laintiff filed a Brief In Response to the Defendant's preliminary objections requesting a ditional time to file an Amended Complaint. 4. Defendant h s never attempted to have the outstanding preliminary objections resolved through a deci ion on briefs or through oral argument. 5. The Defendant's preliminary objections are not currently scheduled for argument, and more than twenty (20) days has passed since those preliminary objections were filed. 6. Plaintiff has prepared an Amended Complaint and is able to file the same at this time. A true and correct copy Hof the Plaintiff s Amended Complaint is attached hereto and made a part hereof as Exhibit "A." 7. Plaintiff s counsel has contact the Defendant's counsel in an attempt to gain permission to file the Amended Complaint. 8. At this time ~he Defendant's counsel has not responded to Plaintiff. 9. Our Suprem~ Court authorizes the amendment of a pleading unless it is against a positive rule of law or v~here the amendment will surprise or prejudice the opposing party. 388 Pa. Super. 514, 518, 565 A.2d 1227, 1229 (1989). 10. Rule 1033 o~the Pennsylvania Rules of Civil Procedure states: "A party, either by filed consent of the adv~rse party or by leave of court, may at any time change the form of action, correct the name of a party or amend his pleadings. An Amendment may be made to conform the pleadings to the evidence offered or admitted." 11. The Defendant will not be prejudiced by the filing of an Amended Complaint by the Plaintiff. 12. At this time the Plaintiff is requesting that this Court enter an Order granting the Plaintiff leave to file it'$ Amended Complaint. WHEREFORE, ~'laintiff prays that this Honorable Court enter an Order granting the Plaintiff leave to file its Amended Complaint. Submitted, L~ ay E.~ow7and, Esquire Pa. . # 205520 WE MAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 7777095 IN THE C T OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK, Plaintiff, v. SANDRA P. IRAN k/a SINN PLAN IRAN HON, Defendant NO.: 09-08353 TYPE OF PLEADING: AMENDED COMPLAINT - FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff Lyndsay E. Rowland, Esquire PA I.D. 205520 WELTMAN, WEINBERG & REIS CO., L.P.A 1400 Koppers Building 436 Seventh. Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR: 7777095 EXHIBIT IN THE COURT O~ COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff vs. SANDRA P. TRAN k/a SINH PHAN TRAM HON, Defendant Civil Action. No. 09-08353 AMENDED COMPLAINT You. have be n sued in court. If you wish to defend against the claims set forth in the following pages, yo must take action within twenty (20) days after this complaint and notice are served, by enteri g a written appearance personally or by an attorney and f ling in writing with tl~e court your defenses or objections to the claims set forth against you. You are warned that if you f it 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 rig is important to you. YOU SHOU D TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YUU DO NOT HAVE A LA YER, GO TO OR TELF,PHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CA PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CA NOT AFFORD TO IIIRE A LAWYER, T]~IS OFFICE MAY BE ABI E TO PROM E YO[J WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL S RVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE ?RLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT 1. Plaintiff is DISCOVER BANK, a corporation with. of .feces at c/o DFS SERVICES, LLC, 6500 NEW A ANY ROAD NEW ALBANY, OH 43054-0000. 2. Defendant, S NDRA P. TRAN a/k/a SINH PHAN TRANPHON is an individual residing at 219 SOU H 18TH STREET, #2, CAMP HILL PA 17011. 3. At all times r levant hereto, Plaintiff was engaged only in those activities, including transacting business n interstate commerce, that shall not be considered to be doing business in this Commonweal h, as defined by 15 Pa. C.S.A. §4122. COUNT I-BREACH OF CONTRACT 4. The a thereto as though 5. On or about J requesting that the Pl and correct copy of tl contained in Paragraph 1-3 are incorporated herein by reference ;in set forth at length. 17, 2002, the Defendant submitted an application to the Plaintiff ff issue the Defendant a DISCOVER BANK credit card. A true e June 17, 2002 application is attached hereto and made a part hereof as Exhibit "1." 6. Thereafter, th Plaintiff made an offer to the Defendant to open a credit card account by mailing a DISCO ER BANK credit card, bearing account number 6011002680356060, along with a written ardholder agreement which contained the terms and conditions of said credit card to the De ndant. A true and correct copy of the terms and conditions of the credit card are attach~d hereto and made a part hereof as Exhibit " 2." 7. Defendant subsequently accepted Plaintiffls offer to open the above credit card account by using said card to purchase goods, merchandise and services, and transfer balances. 8. Defendant to use the credit card to purchase goods, merchandise, and services and take cash advances. 9. Each month, ursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Def ndant a monthly statement setting forth the charges and payments made, if any, by the efendant and the applicable interest rate. A true and correct copy of the Defendant's mon hly statements from December 18, 2002 -January 18, 2007 are attached hereto and made a part hereof as Exhibit " 3." 10. Throughout tl~e term of the account the Defendant was sent updated written terms and conditions for the with the most recent applicable terms attached hereto and made a part hereof as Exhibi~ "4." 11. Pursuant to a terms and conditions of the cardholder agreement, the Defendant was required to pay the t tal balance due or in the alternative the minimum monthly payment as stated in the monthl statements sent to the Defendant. 12. Defendant m de periodic payments on the account with the last payment made on the aforementioned acco t occurring on June 9, 2006 in the amount of $300.00. 13. Defendant ha breached the terms and conditions of the agreement between the parties by failing to ~ay the balance due or make the required monthly payment. 14. The balance ue and owing to the Plaintiff on the aforementioned credit card account as of January 18, 20 7 was $7,604.45. 15. Pursuant tot e cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpai balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 16. Although rep atedly requested to do so by Plaintiff, Defendant has breached the terms of the cardhol r agreement by willfully failing and/or refusing to pay the principal balance, finance char es or any part thereof to Plaintiff. 17. The Plaintiff the cardholder agree: fees. 18. Plaintiff that the "Default Acceleration -Collection Costs" provisions of provides that he Defendant will pay Plaintiff's reasonable attorney that such reasonable attorney fees shall amount to $125.00. WHEREFO ,Plaintiff demands judgment in its favor and against the Defendant, SANDRA P. TRAN a SIKH PHAN TRANPHON in the amount of $7,604.45, with interest at the rate of 18.24% per annum from February 9, 2009, plus costs and attorney's fees in the amount o $125.00. COUNT II-UNJUST ENRICHMENT 19. The averme~ reference thereto as 20. Defendant merchandise, and 21. By making through the use and s contained in Paragraph 1 through 18 above, are incorporated herein by lough herein set forth at length. used her DISCOVER BANK credit card to purchased goods, of said card, the Defendant has had a benefit conferred upon her ~oyment of those goods, merchandise and services purchased. 22. Defendant, d spite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, fi ance charges or any part thereof due, as set forth in the monthly statements, attached Exhibit " 3," and as such has improperly retained the benefit(s) conferred upon her ithout payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, SANDRA P. TRAN ~a/k/a SIKH PHAN TRANPHON in the amount of $7,604.45, with interest at the rate 5.0% per annum from the date of judgment, plus costs. Submitted, Lync~ y E. Row d, Esquire PA I ~ .205520 WELTMAN, BERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 7777095 EXH -o a 3 b .~ .~ W ..~ w o~ ~-' ~"' ~~ ~ 7 ~ ~ C ~~~• 3 ~ ~~ ro 4~ ° g ~o' -° x ~~ o ~~~edg ~ _. 'a ~ ~E.,C .~g-4 3 :~ax~~ o ~,~. ~ ~ ~ ~a ~ ~~ ~ ~Q ~ ~ <• a . 3 ~ n e sa ~~ a ~~g~ ~~ ~e~~~ .~ ~ ~ ~pg~ a 9 s~.~~ ~~ ~$~ ~~3 ~'~~' w ~~Z W ~ ~~~ S ~ Z _° ~~ v 3 ~ 3 Am ~ ae ^' ~Q ~~ -' ~ O N K N O N ~ N ,o 3 g ~ O 3 °.: d 5 -a 3 Q' O ~' N 3 m n ~~ 0 4S Sj ; wT ~~ N ~ s 3g`~ $a ~ z_ 's~S'_, n ~ ~t a~. ~ .~ 1 .~~ '~' e °°' . i.~~ .°.~ T ~. ;a :~-~ ^~ :~ a~ "'~/~ 3 ~ ~~ ° ~~ ~. a ~` n n m R' s ~. ~: a o ~~~ '_s ~ _. ~• S ~`~ ~~~. ~-_ - :, ~~ 2 3~ s~ $ ~ ss ~° g °'~ 5,~, = ~_ ~ 3 ~ :~ z a .~~ .-~.: '~ ~~ ~ ^~ ~ l~ ; ~ ~. ec "'_• ~. ~ . .~. . ~~ ~ ~ : . ~ ~ . .. ~~ ~ ~ ~~ yp T P .., _ V V~/\~ ~ ~ og p v "' s s x . gg s ~ ~ s C/, CJ $ $ a + -~ ~s ~ 1 ~-- ~. . '~- ~ OQ .~' ~.~ . ~e ~ ~ ~ ~' ~ S g ~ _ =~ .~ ~ . ~~ ~:, ~.- /.~ ~~o~ DISCOVER' IMPORTANT INFORMATION ABOUT YOUR ACCOUNT CARDMEMBEft AGREEMENT The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section..... SEE PAGES 1- 11 PRIVACY POUCY A summary of the personal information we coiled, 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 .........SEE PAGES 12 - 14 BILLING RIGHTS Important information about your rights and our responsibilities under the Fair Credit Billing Ad ..... .............................SEE PAGES 74-15 CASHBACK BONUS' TERMS AND CONDITIONS The terms and conditions of the Cashback Bonus• award program, including a description of how your award is calculated and how to redeem it......... . .............................SEE PAGES 16 - 18 DESCRIPTION OF COVERAGE The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that Is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile..... 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' °W^~~ ~o~ ug tl$~ E ' ~c~ 0~3 ~E~ W gg ~~ ~ a ~$ ~~ ~~~ ~ d x ~ a ~5 s F W ~ ~,~~ may` ~ ~ ~ ~~~ ~ ~~ ~,~ ~ ~ $ E ~ ~, ?1 ~cg 2 E ~-oc O $ $ ''~ ~ $ W ~{^ ~ ie ~ O ~ ~ ~ - N C~ W'~ HOC, Yj ~~~y~ ~u~ QG~' c~' ~~~~ ~y~ ~? o (3 .~~ ~ ~g~~°~ g ~~ ~ ~ ~ - ~ ~ ~ ~ ~ ~ ~u ~9~~ Q ~ ~ ~ ~ q~ '~~Q[y ~ Vii' a .5 L° ~ ra ~ ~ ~f ~ c -E _ ~pC ~ Qj ~j yW y ~1 y~. °~ c ,~ ~i ~ ~ d ~~ ~~ ~~a ;s a .N .~ s ~~ s U ~wu`x' ~~9 s~~~ o.. ~~ d ~~~o ~~~ .~ ~~ :~~ t..l ~ .~ ~~, ~~~ q ~, ~' ~ ~ ~~"~~r. ~~ .~ ~ ~ ~~ o~~~~~, ~~ g ~€ ~~W A }mss ~g~.W~~d~~ ~~ s ~~'g~~~~ ry~~y++~~7 ~~~~~~~ itiL C~}~hd .d+~' ! ~ ~b ~` ~og ~ ~ ~ ~, ~ ~~ ~ ~~W W~ os~.~~.s~~e .~~~~~ ~~~~~~s ~~ •~~ ~~ ~ ~z $ ~$~~ A O n8~ ~ ~~,~ ~~~ y $~$~ ~• ~~ Y7 ~ ~ ~ ~~ a~5 ~ s s $ ,~~ ~ ~- o . ~c .~ o~ ~~ ~ $ ~~ ~~n ~~ ~. ~ ~ gg~ z~ ~~':~ ~ .~ ~ ~ ~ ~ fib' ~ ~ s :a.~`~ ffiy~.~'yb~ $ E ~ ~g,g.n ~ a a~Q. E ~, g °.3 $. ~ tE •C ~ E b$ c gr `~°. a d iy u y~ ~ O q w op.~' 3 g .~ ~.~~c c ~ '~ 5 S 3 ,~ - ~ ~ ~ .L r6 A p ~ ~ - m '~ $ E b ~ ~~~00 .d Oa ~ ~ ~ C~y .6 $' ~ ~ ,,i~q DISC~VER' s"6935't~ CARD 1B SDSN6A01 0003531 TRAN, SANDRA P 219 5 18TH ST # 2 CAMP HILL PA 17011-5514 Minimum Payment Dw ~ Account Number ending in 6060 5278.00 ` Enter Amount Enclosed Below 1_ \ __ Payment Due Date ~ January 17, 2003 Please make check payable to Discover Platinum - - ~`. ~ '. ' 1 Card. Minimum payment due includes o post due amount of S 139.00. 'i ''~ Will your payment get to us on time? Pay your bill online and your payment can be ~.1'! rll made to your account on the same day. Visit Dizcovencom/payments today. Po Box 71os4 Illrrrllrrrrrrlllrrlrrrrlll CHARLOTTE NC 28272-1D84 Address, email or telephone change4 Print change in space Irrlrllrrliirlrllriilrrlrlrrrllllirrlrrliilrillrrlrilrililrrll above, or go to Dixover.com. Print your email address to receive important Account information and special offers. EXHIBIT 3 ~0000198645878421633106935840000000002780~ Discover Platinum Card Account Summary Closing Date: December 18, 2002 page 1 of 2 Account number ending in 6060 Previous Balance 56,900.84 Payment Dw Dole January 17, 2003 Payments And Credits 000 Minimum Payment Dw 5278.00 Purchases + 35 00 Credit Limit 57,700.00 Cash Advances . + 0 00 Credit Available 5764.00 Balance Transfers . + 0 00 Cash Credit Limit 53,850.00 Finance Charges . + 0 00 Cash Credit Available 5764.00 New Balance _ . 56,935.84 You may be able }o ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Baance S 0.00 Naw Cashback Bonus This Period + Q.QQ Cashback Bonus Balance $ 0,00 {ashback Bonus® Anniverwry Date: July 18 How Can We Hel You? P 1 ~ Visit Dittowrcem to pay yaw bill for no cocr, view ur latest Account information eam and redeem rewardsoand mo It's your choice - 3 ways to help , re 2. Coll 1-800.~SCOVER (347.2683) for Fast, easy self-service Please have your Dixover 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 Cord, PO Box 30943, Sah Loke Ciy, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Tranz. Post Dare Dab Other/Mittellaneous Dec 18 Dec 18 IATE FEE $ 35.00 Information For You "••"' ATTENTION '••"" ATTENTION •""•' ATTENTION ••••`•• ATTENTION ATTENTION '"' • • • Your account is past due. Please pay the post dw amount now, or contact us fo make other arrangements. ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FWANCE FINANCE nces Rates RATES RATES CFIARGES [HARCFS current billing period: 30 days Purchases 556.09 0.00000X 0.00% F O.OOX $0 50 Cash Advances 50 0.05751 X 20.99X F ' 20.99 ro 50 SO ;BalancsTransfers 56844.75 0.00000% 0.00: F O.OOX $0 SO The roles Ihof apply to your Account are either fixed (F) or Ihey may vary (V) as noted above. Closing Dote: ~ TRAN, SANDRA P D'~C'. 1VER December 18, 2002 Account number ending in 6060 CARD -- - page2of2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 18 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period 0.00 Cas bac Bonus Award Total 0.00 Cashback Bonus Award Balance 0.00 Award Available to Redeem 0.00 Restrictions apply to the Cashbxk Bonus Parlnsr ofFers visit Dixover.com or call 1-800-DISCOVER i1-800-347-2683) for detoils. For program detaila, see the Cashback Bonus program Terms and Conditions. ~+^ New Balance Minimum P ment Due ~ Account Number ending in 6060 D'J~.r,~VER $6,635.84 $133.00 % J Enter Amount Encbsed Below CARD _ Payment Due Date $ ~-~ February 17, 2003 Please make check gyaable fo Dixover Pldinum Card or pay online ~Diuovercord.com. 1 a SDSN6A01 0003532 TRAN, SANDRA P 219 S 18TH ST M 2 CAMP HILL PA 17011-5514 Will your payment gel to us on time? Pay your bitl online and your payment can be made to your account on the same day. Visit Diseover.com/payments today. PO BOX 71084 ~~~ur~~uun~~~ulnu~~~ CHARLOTTE NC 28272-1084 Address, small or telephone change? Print change in space ~ri~r~~ir~rir~r~~irr~ir~r~iii~~~~rir~ii~rr~rr~~r~~ii~rr~r~rr~~ above, or go to Discover.com. Print your a-mail address to receive important Account information and spacial o((ers. 000001986458784216331066358400300000013300 Discover Platinum Card Account Summary Closing Date: January 18, 2003 page 1 of 2 'AccounF number ending in 6060 Previous Balance E6 935 84 Payment Due Oafe februory 17, 2003 Payments And Credits , . 300 ~ Minimum Payment Due $133.00 Purchases Credit Limit $7,700.00 + Cash Advances 0.00 Credit Available $1,064.00 + BabnceTransfers 0.00 'Cash CredB limit $3,850.00 + finance Char sz g 0.00 Cosh Credit Available 51,064.00 ----- ----- + "' - - New Balance 0.00 56,635.84 You may be able to avoid Periodic Finance Charges see the reverse side for details. , Cashback Bonus® Opening Cashback Bonus Balance $ , 0 ~ New Cashback Bonus This Period + O ~ ' Cashback Bonus Balance $ 0 UD Cashback Bonus® Anniversary 'Date: July 18 i • Keep usinngg your Discovsr(Rj Card and watch your Cashback Bonus(R) award grow! ;Remember, once yyoour Cashback Bonus 'a d i W b war s ast E20, you can redeem your award b callin b l y g us or y ogging info the Account Center at Dismvercard.com. ;How Can We Hel YOU? P l . Visit Dixowr.com to pay your bill ter no cost, view your 'It's your choice - 3 ways to hel blest Account information, earn and redeem rewards and more 2 Call 1.800-DISCOVER 3 p . ( 47-2683) For fast, easy selF•service Please hove your Dixover Card available. options a to speak with a Customer Service Aecounl Manager For TDD (assistance for hearing impaired) see reverse side 3' Wnte us of Discover Card, PO Box 30943, Salt Lake City, l1T 84130 Transactions $0 Fraud Liability Guarantee Use our Dis C d h Trans. Post y cover or wit confidante. Date Daro 'PaymsMs and Credhs Jan 8 Jan 8 PAYMENT -THANK YOU $ 300 00 - . Finance Charge Summary Average Daily Doily Periodic Nominal ANNUAL ANNUAL Transaction PERCENTAGE PERCENTAGE Periodic Fee Balances Rates RATES RATES FINACHA GES FINC~~ current biping period: 31 days Purchases E91.09 0.00000% Cash Advances EO 0.05751 % 0.00% F 0.00°~: $0 $0 20.99% F 20 99% $p :Balance Transfers $6738.29 0.00000% . $0 0.00% F 0,00% j0 EO the roles 1fxA apply fo your Account era either Bxad (F) or they may vary (Vj as noted above. F ' Closing Dafe: TRAN, SANDRA P D'SCA a AVER I January 18, 2003) Account number ending in 6060 page 2 of 2 Cashback Bonus ® Award Summar Cashback Bonus Anniversary Dafe: July 18 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 Cas ac Bonus Award Tota O nn Cashback Bonus Award Balance Award Available to Redeem 0.00 0.00 Restridioru apply b fha Cashback Bonus Parfr~er offers visit Dixowr.com or call 1.800-DISCOVER (1.800.347.2683) For details. For program details, see ~e Cashback Bonus ('rogram Terms and Conditions. Nsw Balance I Minimum Payment Due DISC{~;~VER' 56,335.84 ~ 5,2,,0o J CARD Payment Due Date March 17, 2003 1 B SDSN6A01 0003533 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Account Number ending in 6060 Enter Amount Enclosed Below Please make check PPayyaable to Dixovar Phlinum Card or pay online ®Dixovercard.com. Will your payment get to us on limes Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PD BOX 71084 ~((ru~(nun((~n~nn~(~ Address, e-mail or telephone changes Print change in space CHARLOTTE NC 28272-1084 above, or go to Discover.com. Print your email address to ~"~'~(" ("'~'~~"'~"~'~nr~~~(nr~n~n~n~~n~n~u(r~u(~ receive important Account inFormation and special offers. D00001986458784216331063358400300000012700 Discover Platinum Card Account Summary Closing Dote: February 18, 2003 page 1 of 2 Account number ending in 6060 Previous Balance Payment Dua Date March 17, 2003 Payments And Crodits 56,635.84 Minimum Payment Due $127.00 Purchases 300.00 Credit Umit 57,700,00 Cash Advances + 0.00 CreditAvailabk 51,364.00 BalanceTransFers + 0.00 Cash Credit Lima 53,850.00 Finance flrargas + 0.00 Cash Credit Available 51,364.00 _ New Balance - + 0.00 = 56,335.84 You may be able to avoid Periodic Finance Charges see the reverse side For details. , Cashback Bonus® Opening Cashback Bonus Balance s New Cashback Bonus This Period D.oo + 0 ~ ~Cashbaek-Bonus® Annivanary Cashback Bonus Balance 5 0.00 Date: ~Dly 1 a . Keep using your Dixover{R) Card and watch your Cashback Bonus{R) award growl Remember, once yyo~ur Cashback Bonus award is al Isast 520, you can rodeem your award by calving us or by logging into the Account Gaoler at Diseovercard.com. .How Can We Help You? I ~ Visit Discewr.cem to pay year bit For no cost, view your latest Account information, corn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2663) for Fast, easy sel6service Please have your Dixover Card available. options or to speak with a Cualomer Service Account Manager For TDD (assistants For hears rm of 3• Write us of Dixovsr Card, PO Box 30943, ^8 ' p red) see reverse side SaB lake Ciy, UT 84130 ,Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Pozf Dab Dale ~Paymsnts and Crodih Feb 6 Feb b PAYMENT -THANK YOU 5 •300.00 ;Finance Charge Summary Avercge Doil Daily P i d Nominal ANNUAL PER ANNUAL Periodic Transaction Fea y Balances er o ic Rases CENTAGE RATES PERCENTAGE RATES FIN H C S FINANCE current billing period: 31 days C E - 'Purchases 591.09 Cash Advances SO 0.00000% 0.00.'". F 0.00.°+.' S0 50 ~Balanee Transfers 56418.94 0.05751 % 0 00000?6 20.99X F 0 00% F 20.99% 50 $0 . . 0.00% SO SO 'The rates }hot apply to your Account are either Bxsd {F) or Hwy may vary N) as noted above. Closin Date: TRAN, SANDRA P DISCA a DYER + February) 8, 2003 Account number ending in 6060 pogo 2 of 2 Cashback Bonus ~ Award Summary Cashback Bonus Anniversary Date: July 18 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period 0.00 Cas ac Bonus Awar Tota 0.00 Cashback Bonus Award Balance Award Available to Redeem 0.00 0.00 Restrictions apply to the Cashback Bonus Pa~tnsr offers visit Dizcovsr.com or call 1.800•DISCOVER il•800.347.2683) for details. For program delaila, see the Cashback Bonus program Terms and Conditions. New Balance 035 84 DISC~' ~VER' $6 Minimum Payment Dve $121 00 Accovnt Number ending in 6060 , . . CARD . Enter Amount Enclosed Below Payment Due Dats $ April 17, 2003 pksasa make check payyaable to Dixover Platinum Cord or pay online @ Discovercord.com. 1B SDSNOAOt 0003534 TRAN, SANDRA P 219 S 18TH ST i 2 CAMP HILL PA 17011-5514 Address, e-mail or telephone changer Print change in space above, or go to Discover.com. Print your e-mail address fo receive important Account information and speciol offers. Will your payment get to us on time0 Pay your bill online and your payment can bs made to your account on the same day. Visit Discover.tom/payments today. Po sox 71oB4 Illrrrllrrrrrrlllrrirrrrlll CHARLOTTE NC 28272-1084 LrLILJrrrlrlLrJr~LLrrIIIL~rI~rLd~JlrrlrrlrJJ~dl 000001986458784216331060358400300000012100 Discover Platinum Card Account Summary Closing Dom: March 18, 2003 page 1 of 3 Account number ending in 6060 Previous Baksnce $6 335 84 Payment Due Date April 17, 2003 Payments And Credits , . - 300 ~ Minimum Payment Due $121.00 Purchases Credit Limit 57,700.00 Cash Advances + 0.00 CreditAvaihble $1,664.00 BalanceTransfars + 0.00 'Cash Credit Limit $3,850.00 Finance asm~es + 0.00 + 0 00 Cash Credit Available $1,664.00 __ New Balance . $6,035.84 ' You may bs ebb fo ovoid Periodic Finance Charges, sea the reverse side for details. ~CdSI16CiCIC BOnuS® Opening Cashback Bonus Balance $ 0,00 New Cashback Bonus This Period + 0 OO ;Cashback Bonus® Anniversary 'Oats: July 18 Cashback Bonus Balance 0,00 ~Keap usi your DiscoverlR) Card and welch your Cash~k Bonus(R) award growl ;Remember, once yyour Coshback Bonus ' d i t l awar s a east 520, you can redeem your award by tolling us or by logging into the :Account Center at Discovercord.com. :How Can We Hel You? P ' 1 ~ Visit Discevercem to pay your bill ter no cost, view our Idest Accouri information aam and red di d It s your choice - 3 ways to help , eem rewar an more 2. Call 1-804DISCOVER (347.2683( For Fast eas sel6s i .FNaase hove your Discover Card available. , y erv ce options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Writs us d Dixover Card, PO Box 30943, SaR Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence. Trans. Post Daro Daro Payments and tr.dih Feb 28 Feb 28 PAYMENT -THANK YOU $ 300 ~ .Information For You Baance Transfer offer For current billing period: Doily Periodic Rats: 0.04655".; corresponding ANNUAL PERCENTAGE RATE: 16.99°e. Rate is subject to the terms of the offer including expirdion. ~+/'~ ~ 0 pet's 1o TRAN, SANDRA P D'J%r~ . IVER' I__ D~rJQ.. V~R Account number ending in 6060 CARD Ranked #1 in Customer Loyalty- for 12 years in a row! "l've never been so impressed with a comp°nY that has looked out for my well-being with timely reminders, paperless stotements and even o telephone mll when something looks suspicious. Your service levels ore unprecedented in the indushy. You've gof a customer in me for life." Janes T. -Clevelond, Ohio Experience it for yourself at Discovercom 'ACaxdeq b Ya 4(109 &and Kyr Cusbrr>m loydy ErgoOmnenl brlw Report ¢4009 D'i.caer Bonk, MemLer FDIC Closing Dafe~ March 18, 2003 page 2 of 3 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fes DaiFy Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba Rates RATES RATES CHARGES CHARGES curronl billing period: 28 days Purchases 591.09 0.00000% 0.00°b F 0.00% SO SO Cash Advances SO 0.05751 % 20.99% F 20.99% SO SO Balance Transfers 56041.17 0.00000% 0.00% F 0.00% SO SO Tha rates drat apply to your Account arc either fixed IFl or they may vary (V) as n oted above. QUeStlOnS~ Manage your account al Discover.com or II ..,......r.....,.~ .. .. ...... .. .~ .,. ,,.,, DIS`^~\/LB I Closing Date; TRAN, SANDRA P c a a o 1/ GIC ~_ N~ardt ~ 8, 2003 Account number ending in 6060 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 18 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period 0.00 Cas ac Bonus Awar Total 0-00 Cashback Bonus Award Balance Award Available to Redeem 0.00 0.00 Raskidions apply to the Cashback Bonus Partner offers visit Discevertem or toll 1-800-DISCOVER (1-800.347-2683) For details. Fa program details, see the Cashback Bonus Grogram Tsrms and Conditions. cc/~ New Balance 'Minimum Payme- nt pue ~~ Account Number ending in 6060 D'~7C`~ ..='VER. 66,bD4.9D ~ 5113.00 I Enter Amount Encbaea Below CARD ~---- __._J Payment Due Date $ ~-~~ May 17, 2003 please make check payable to Diacover Platinum Card or pay online i~ Dixovercard.com. 18 SDSN8A01 0003535 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, email or telephone changs0 Print change in :pace above, or go to Dixover.com. Print your o-mail addreu to receive important Account information and spacial offers. WiU your payment get to us on time;! Pay your bill online and your payment can be made to your account on the same day. Visit Discover.eom/payments today. PO BOX 71084 Illurllunnlllnlnnlll CHARLOTTE NC 28272-1084 LJ,ILrI~r~LIIrr~LrLIrrJIIlr~rfrrLrlrrlLrLrlrrLLrll 00000198645878421633105604900D500000D1130D Discover Platinum Card Account Summary Closing Date: April 18, 2003 page 1 of 2 Account number ending in 6060 ~ Pa ment Due Dat M 17 2003 Previous Balance 56,035.84 y e ay , Paymsnis And Credits _ 500 00 Minimum PaymenlDue 5113.00 Purchases + 0 00 Credit Limit 57,700.00 Cash Advances + . 0 00 Credit Available $2,095.00 Balance Transfers + . 0 00 Cash Credit Umit 63,850.00 Finance Charges + . 69 06 Cash Credit Available 62,095.00 New Balanee . 55,604.90 You may ba able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Opening Cashback Bonus Balance 6 Q,oD New Cashback Bonus This Period + 000 Cashback Bonus Balance 6 0.00 Cashback Bonus® Anniversary ' Dats: July 18 i Keep using your Dixover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus award is of least 520, you can redeem your award by calling us or by logging into the Account Center at Discovereard.com. How Can We Help You? It's your choice - 3 ways to help Please have your Dixover Card availabb. For TDD (assistance for hearing impaired) see reverse side 1. Visit Dixover.com to pay your bill for no cost, view r latest Account inkxmation, Born and rodeem rowardi and more 2. Call 1.800•DISCOVER (347-2683) for fast, easy selfservice options or to speak with a Customer Service Acrnunt Manager 3. Write us of Dixover Card, PO Box 30943, Salt Lake Ciy, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Dab Payments and 6.dirs Apr 3 Apr 3 PAYMENT • THANK YOU $ _S~ ~ .Information For You Baance Transfer offer for current biting period: Daily Periodic Rata: 0.04655%; corresponding ANNUAL PERCENTAGE RATE: 16.99%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily I nc current billing period: 31 days Purchases Cash Advances Nominal Tronzoction Daily ANNUAL ANNUAL Periodic Fee Raresd~c RATESENTAGE PERCENTAGE FINANCE FINANCE RATES CHARGES CHARGES 55811.86 0.03833% 13.99% F 13.99% 669.06 60 SO 0.05751% 20.99% F 20.99% 60 60 The rates Asst apply fo your Account are either Fixed (F) a they may vary N) as noted above. r a`, Closing Date: TRAN, SANDRA P D'~CApp1 ~"' Apri118, 2003 Account number ending in 6060 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 18 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 Cashbac Bonus Awar Total 0.00 Cashback Bonus Awnrd Balance Award Available to Redeem 0.00 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER (1.800.347-2683) For details. For program details, »e the Cashbock Bonus program Terms and Conditions. cc/'+i New Baance Minimum Payment Due Account Number ending in 6060 D'JC-....-VER~ $5,067.16 $102.00-~ Enter Amount Encbsed Bebw CARD --- Payment Due Dafe $ ~---~ June 17, 2003 Please make check yyooble to Diswver Platinum Card or pay online ~Discovercard.com. 18 SDSN6A01 0003536 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, e-mail or tebphone changet! Print cfwrsge in space above, or go to Discover.com. Print your email address fo receive important Account information and special offers. Will your payment get to us on times Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 Illnrllnunlllnlrurlll CHARLOTTE NC 28272-1084 lulr~~nlnrlrl~urlulr~mll~~nrlnluln~~ulnlulrln~~ OODDD198645878421633105D6716006DD00001D20D Discover Platinum Card Account Summary Cbsing Data: May 18, 2003 page 1 of 2 Account number ending in 6060 Previous Balance $5,604.90 Payment Due Date June 17, 2003 Payments And Credits 600 00 Minimum Payment Due $102.00 Purchases , + 0 00 Crodit Limit $7,700.00 Cash Advonces . + 0.00 Credit Available $2,632.00 Balance Transfers + 0.00 Cash Credit Limit $3,850.00 Finance Charges + 62.26 Cash Credit Available $2,632.00 _ New Balance 55,067.16 You may 6e able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Coshbock Bonus® Anniverary Date: July 18 Keep using yow Discover)R) Card and watch your Cashback Bonus)R) award growl Remember, once yyoour Cashback Bonus award is al !cost $20, you con redeem your award by calling us or by logging into the Account Center al Discovercard.com. Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance s o.oo + 000 $ 0.00 How Can We Hel YOU? 1 • Visit Dixaver.com to pay your biU for no cost, view your p blest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll 1-800AISCOVER (347.2683) For fast, eosy self-service Please have your Dixover Card avaibbb. options or to speak with a Customer Service Account Manager For TDD assistants for hears 3. Write us at Dixover Card, PO Box 30943, ( ng impaired) see reverse side SaR Lake City, Ui 84130 Transactions SO Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Dab Payments and Gedirs May 8 May 8 PAYMENT -THANK YOU $ -600 00 :Information For You ~ Bolonce Transfer offer For current billing period: Daily Periodic Rate: 0.04655%; corresponding ANNUAL PERCENTAGE RATE: 16.99%. Rata is subject to the terms of Ilre offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE 89995.!5 Rates RATES RATES CHARGES C~{ARGES current billing period: 30 days Purchases $5415.74 0.03833% 13.99% F 13.99% $62.26 $0 :Cash Advances $0 0.05751 Y. 20.99% F 20.99% $0 $0 The rates that apply to your Account are e0her fixed if) or they may vary M as noted above. D'C~~`~~Cp Closing Dater IRAN, SANDRA P J CARD GIC Max 18, 2003 count number ending in 6060 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: July 18 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 Cas ack Bonus Award Total 0.00 Cashback Bonus Award Balance Award Available to Redeem 0.00 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER i 1-800347.2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. New Balance Minimum Payment Due Account Number ending in 6060 DISC .VER~ $5,188.90 $206.00 EnierAmountEnclosedBelow CARD - i Payment Due Dote $ July 17, 2003 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $102.00. 1B SDSN6A010003537 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, email or telephone change$ Print change in space above, or go ro Discover.com. Print your email address to receive important Aceovnt inFormation and special offers. Will your payment get to us on tima¢ Pay your bill online and your payment can be made to your account on fha same day. Visit Discover.cam/payments today. PO BOX 71084 Illnrllmnrlllnluulll CHARLOTTE NC 28272-1084 In~rllnlurlrllurlulrlnrllllnrlululu~lnlu~n~rlull D00001986458784216331051889000000000020600 Discover Platinum Card Account Summary Closing Date: June 18, 2003 page 1 of 2 Account number ending in 6060 Previous Balance $5 067 16 'Payment Due Date July 17, 2003 Payments And Credits , . 0 00 Minimum Payment Due 5206.00 Purchases + . 35 00 Credit Limit 57,700.00 Cash Advances + . 0 00 Credit Available 52,51 1.00 Balance Transfers + . 0 00 Cash Credit Limit 53,900.00 Finance Charges + . 86 74 Cash Credit Available 52,511.00 Naw Bolunce , 55,188.90 You may be ebb to avoid Periodic Finance Charges , sae the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance s o.oo New Cashback Bonus This Period + 0 00 Cashback Bonus Balance S 0.00 ;Cashback Bonus® Anniversary 'Date: July 18 How Can We Hel You? P 1 • Visit Discowrcom to pay your bill For no cosT, view ur latest Acco t i f i :It's your choice - 3 ways to help un n ormat on, earn and redeem reward and more 2. Call 1-804DISCOVER 1347.2683) 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 of Discover Card, PO Box 30943, SaR Lake Ciy, UT 84130 ,Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tranz. Post Date Dab Other/Miscellonears Jun 18 Jun 18 LATE FEE $ 35.00 ,Information For You `•""• ATTENTION "'""* ATTENTION '••'*" ATTENTION ••"•*• ATTENTION ' .ATTENTION "*' • `• Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Balance Transfer offer for current billing period: Daily Periodic Rote: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current biAing period: 31 days . Purchases 55109,01 0.05477% 19.99% F 19.99% 586.74 50 :Cash Advances SO 0.05751 % 20.99% F 20.99% 50 50 'The rates that apply to your Account are either Fixed 1F) or they may vary 1V) as noted above. D'SC~~\/CD' 1 Closing Dafe: TRAN, SANDRA P • LR IL June 18r 2003 , Aecovnl number ending in 6060 CARD --- page2oF2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: July 18 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period 0.00 Cas ack Bonus Awar Tota 0.00 Cashback Bonus Award Balance 0 ~ Award Available to Redeem $ 0.00 Rashidiora apply fo 1M Cashback Bonus Partner offers visit Discrsver.com or catl 1-800-DISCOVER (1-800-347-2683) for details- For program details, see the Cashback Bonus program Terms and Conditions. /'~ New Balance Minimul~ m payment pus Account Number endin m 6060 DISCi•: ?VER` 656.56 I $10.00 _~ EnterAmouMEncbsed8elow CARD L ym ~~~111 $~~ Pa enf Due Dale August 17, 2003 Pleaze make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 18 SDSN6A01 0003538 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, o-mail or telephone change? Print change in space above, or go to Discover.com. Print your email address to receive important Account information and special offers. WiR your payment get to us on time? Pay your bill online and your payment can be mods to your account on the same day. Visit Discover.com/payment: today. PO BOX 71084 Illrrrllrrrr~rlllrrlrrr~lll CHARLOTTE NC 28272-1084 Inlrllnlurl~llurlnlrlurllllurlnlulnllnlnlulrlnll OOD0019864587842163310005856051889D0001DD0 Discover Platinum Card Account Summary Closing Dote: July 18, 2003 page 1 of 2 Account number ending in 6060 Previous Balance $5,168.90 Payment Due Date August 17, 2003 Payments And Credits - 5,188.90 Minimum Payment Due $10.00 Purchases + 0 00 Credit Limit $7,700.00 Cash Advances + . 0 00 Credit Available $7,641.00 Baance Transfers + . 0 00 Cash Credit Limit $3,900.00 Finance Charges + . 58.56 Cash Credit Available 53,900.00 New Balance ~ 558.56 You may be able to ovoid Periodic Finance Charges , see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0,00 New Cashback Bonus This Period + O 00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary - ~ ~ ~ ~ - .. ... ..... . Date: July 18 Keep using your Discover(R) Card and watch your Cashbook Bonus(R) award growl Remember, once your Cashback Bonus award is at Isast 520, you can redeem your award by calving us or by logging into the Account Csrdsr at Discowrcard.com. How Can We Hel YOU'.? 1. Visit Dizcewr.cem to pay your bill for no cost, view ur P latest Account information, eom and redeem reward and more It's your choice - 3 ways to help 2. CaR 1-B00•gSCOVER (347.2683) For fast, easy self-service Please haw your Discover Card available. options or fo speak with a Customer Service Account Manager For TDD assistance for hearin 3. WrRs us at Discover Card PO Box 30943, ( g impaired( sae rswne side Sak Lake City, UT 84130 Transactions $0 Fraud Liabflily Guarantee Use your Diamver Card with confidence. Trans. Post Date Date Payments end Credits Jul 10 Jul 10 PAYMENT -THANK YOU ~ -5,188.90 ;Finance Charge Summary Average DaBahl aces current biNing period: 30 days Purchases $3564.08 0.05477% 19.99% F 19.99% Cazh Advances $0 0.05751 % 20.99% F 20.99% The rotes that apply to your Acwunt are either fixed (FI or they may vary M as noted above. Nomuwl Transaction Daily ANNUAL ANNUAL Periodic Fae Periodic PERCENTAGE PERCENTAGE FINACHA GE FINCHAR ES Rates RATE$ RATES $58.56 $0 $o $o DISC~.~~VER Closing Date• TRAN, SANDRA P 1ul 18, 2003 Account number ending in 6060 CARD - ----Y-----_ page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Dote: July 18 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 Cas ac Bonus Awar Tota 0.00 Cashback Bonus Award Balance Award Available to Redeem 0.00 0.00 Restrictions apply ro fhe Cashback Bonus Partner offers visa Discowr.com or ca11 1.800-DISCOVER (1-800.347.2683) for details. For program details, see the Cashback Bonus program Terms and Conditions. New Balance Minimum Payment Due DISG:_:~VER~ s0•oo so.oo CARD Payment Due Date September 17, 2003 18 SDSN6A01 0003539 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, o-mail or telephone changeR Print change in space above, or go fo Dixover.com. Print your o-mail address to receive important Account information and special oFFers. Account Number ending in 6060 Eo-nlar Amount Enclosed Below J ~~ Will your payment get fo us on timeR Pay your bill online and your payment can ba made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 tllrrrllrrrrrJllrrlrrrrlll CHARLDTTE NC 28272-1084 LJ,IIrrlrrrldlrrdrrLLrrIIllrrrLrLrLrlLrLrlrrlrlrrll 000001986458784216331000000000058560000000 Discover Platinum Card Account Summary Closing Dote: August 18, 2003 page 1 of 2 Account number ending in 6060 Previous Balance $58 56 Payment Due Date September 17, 2003 Payments And Credits . - 58 56 Minimum Payment Dua $0.00 Purchases . + 0 00 Credit Limit $7,700.00 Cash Advances . + 0 00 Credit Available $7,700.00 Balance Transhrs . + 0 00 : Cash Credit Limit $3,900.00 Finance Charges . + 0 0 0 Cash Credil Available $3,900.00 Naw Balance . _ $0.00 Cashback Bonus® Opening Cashback Bonus Balance S 0.00 New Cashback Bonus This Period + 0 OO ' Cashback Bonus Balance $ 0 00 -Cashback Bonus® Anniverary , ' Date: July 1 B How Can We Hel You? p ' 1 • Visit Discowr.cem to pay your bil for no cost, view your latest Account information earn and redeem rewards and :It s your choice - 3 ways to help ~ , more 2. Call 1-800-DISCOVER {347.2683) for Fast, easy ssl4servics Please have your Dixover Card availabb. options or to speak with a Customer Service Account Manager for TDD (assistance for hearing impaired) see roverse side 3. Wrife us M Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 Fraud Liability Guaran tee Use your Discover Card with confidence. Trans. Post Date Dots Payments and Credits Jul 31 Jul 31 PAYMENT-THANK YOU $ -58.56 'Finance Charge Summary ' Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINA ~S FIN . C~ - C cvneM billing period: 31 days . Purchases $0 0.05477% 19.99;w F 19.99% $0 $0 ' Gash Advances $0 0.05751 % 20.99Y. F 20.99% $0 $0 previous billing period: 30 days i Purchases $0 0.0547775 19.99% F 19.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary N) as noted above r'~ Closin -Date: TRAN, SANDRA P DISC R>pVER L Au usg t 1 B, 2003 , Account number ending in 6060 page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: July 16 Bolance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period 0.00 Cas ack Bonus Award Total 0.00 Cashback Bonus Award Balance Award Available to Redeem 0.00 0.00 Restrictions apply to the Cashback Bonus Partner oFFers visit Discovsr.com or call 1.800-DISCOVER (1-800-347-26831 For details. For program details, see the Cashback Bonus program Terms and Conditions. Nsw Balance Minimum Payment Due DISC VER Account Number ending in 6060 $4,763.70 $96.00 I.. EnterAmouMEnclosedBelow - CARD Payment Due Dote $ January 17, 2005 Please make check payable to Dixover Platinum Cord or pay online ®Discovercord.com. 18 SDSN8A07 0003540 TRAN, SANDRA P 219 S 18TH ST i 2 CAMP HILL PA 17011-5514 Address, o-mail or telephone change;! Print change in space above, or go to Discover.com. Print your o-mail address to receive important Account information and special offers. Will your payment get to us on lime? Pay your bill online and your payment can be mode to your account on the same day. Visit Diseover.com/payments today. PO BOX 71084 ~~~~~s~~rrsur~~~rr6ru~ll CHARLOTTE NC 28272-1084 ~u~r~~n~nr~r~~ur~n~r~ur~~~~ur~u~n~n~~u~u~u~r~u~~ 000001986458784216331047637000000000009600 Discover Platinum Card Account Summary Closing Date: December 18, 2004 page 1 oF2 Account number ending in 6060 Previous Balance $0.00 Payment Due Dale January 17, 2005 Payments And Credits p_00 Minimum Payment Due $96.00 Purchases + 0.00 Credit limit x7,700.00 Cash Advances + 0.00 Credit Available $2,936.00 Balance Transfers + 4,676.34 Cash Credit Limit $3,900.00 finance Charles + 87.36 Cash Credit Available 52,936.00 New Balance $4,763.70 You may be able fo avoid Periodic Finance Charge s, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ o.oo New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 0.00 Cashback Bonus® Anniversary - ~ ~ ~ ~ ~ ~ - - - ~ .... .. ... :.... .. ..... .. ...... Date: July 18 Keep using your Dixover(R) Card and watch your Cashback Bonvs(R) award growl Remember, once yyoour Cashback Bonus award is at bast $20, you can redeem your award by calling us or by logging into the Account Center of Discovsrcord.rAm. How Can We Hel YOU? P 1 • Visit Dixover.com to pay your bbl for no cost, view ur latest Account information, earn and redeem rewardioand more ~t'S your choice - 3 ways to help 2. Call 1-800•DISCOVER (347.2683) For fast easy self-service Phase have your Dixover Card available. , options or to speak wish o Customer Service Account Manager 3. Write us at Discover Cord PO Box 30943, for TDD (assistance For hearing impaired) see reverse side Salt lake Cily, UT 84130 Transactions $0 Froud Liability Guarantee use your Dixover Cord with confidence. Trans. Post Dab Dab Balance Transers Dec 2 Dec 2 BALANCE TRANSFER CHECK ACH 0358 $ 1,245.37 Dec 2 Dec 2 BAL TRANS TRANSACTION FEE FINANCE CHARGE 37.36 APR 0.00°a EXPIRES 04/2005 CITICARD PAYMENT ' Dec b Dec b BALANCE TRANSFER CHECK 0359 3,430.97 Dec b Dec b BAL TRANS TRANSACTION FEE FINANCE CHARGE 50.00 APR 0.00% EXPIRES 04/2005 Information For You ' Through the generosity of our Cardmembers, Dixover(R) Card has donated mots than $14 million to the Mako-A•Wiah Foundation(R). You can make a child's dream come Irue by electing to donate your Cashback Bonus(R) award to the MaksA-Wish Foundation. To learn how, phase 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 DISCSa.>VER ttpoysto ~ TRAN,SANDRAP ~JSC'..%VER• AecouM number ending in 6060 CARD ,____ I I_____.._. _ ..__._.._ .-.__.._..__._.___.. _ ___ Ranked ~1 in Customer Loyalty- for 12 years in a row! "I've never been so impressed with a company that has baked out for my well-being with timely reminders, popedess statements and even o telephone mll when something boks suspicious. Your servicn levels are unprecedented in the industry. You've gal a customer in me for life." times 7. -Ckvelond, Ohio Experience it br yourself at Discovercom 'Acawd'mg b A+e Ta09 &a~x! Ksrys C .boner !gully Erspagrmrerl hdrcs Rsynrl Qs2009 0.scmx Brns4, Mrmrl>.r FDIC Closing Date: December 18, 2004 page 2 of 2 Give Nwt someone special }he giR that could only come ham you. Dixovsr(R) Gih Cords come in Festive designs in denominations up }o $500, and are accepted most everywhere Dixover Card is wekomed. Customize yours with a personal message when you order at Dixovergifkard.com. Not available b rasidenh of Ci, DC, MA, ME or NH. Every purchase you make with your Dixover(R) Card earns you a Cashback Bonus(R) award. You can redeem your oword anytime it reaches 520, or you can let it grow - it won't expire. Redeem your oword online al Discovarcard.com or call 1.877-YOUR-AWARD (1-877.968-7292). Stay connected to bved ones this holiday season with thoughtful giNs From 1-B00-FLOWERS.COM(Rl. Save 1 S%' on your next purchase when you use your Diseover(R) Card and code DC88. CoR 1-800-FLOWERS(R) (1-800356-9377), click www.1800Rowers.com, or come inl 'For details please visit www.1800Rowers.com/dixlaimer. This year, give FREE Additional Cards to the people you care about and build a bigger Cashback BonuslR) award, too. lys easyl To request FREE Additional Cards For your Account, just call 1.800-DISCOVER or visit Discovercard.cam/AdditionalCards. Everything You Need To Know - In the Account Center. IF you need b know exactly how much you spent on your shopping spree last weekend, wouldn't you rather find out now than waft For your next statement:! Go to the Account Center of Discovercard.com to find out what's going on with your Account before your slatemeM arrives in the mail. Finance Charge Summary Average Dail Daily P i di Nominal ANNUAL PERCENT ANNUAL periodic Transaction Fee y Balances er o c Rotes AGE RATES PERCENTAGE RATES FINANCE FINANCE cumnt billing period: 30 days CHARGES CHARGES Purchases SO 0.04107% 14.99% V 14.99% $0 SO Promdiond Purchases $0 0.00000% 0.00% F 0.00% $0 SO Cash Advances SO Balance Transfers 52235 29 0.04929% 0 00000% 17.99% V 0 00% F 17.99% $0 SO . previous billing period: 31 days . . 22.41 % $0 $87.36 Purchases $0 0.04038% 14.74% V 14.74% SO none The rates that apply to your Account are either fixed (F) or they may vary (VJ as noted above. QUE!St1on5~ Manage your account at Discover.com or _-II t enn nrci-nvrn n nnn n ~~ n i nnr New Balance DISC~VER~ sa,663.7D CARD 18 SDSN6A010003541 TRAN, SANDRA P 219 S 18TH ST B 2 CAMP HILL PA 17011-5514 Minimum Payment Due Account Number ending in 6060 $94.00 ~ Enter Amount Enclosed Below Payment Due Dale February 17, 2005 please make check gyaable to Discover PkNinum Card or pay online ~Dixovercard.com. Will your payment get to us on times Pay your bill online and our a ment b y p y can e mods to your account on the same day. Visit Diseover.com/payments today. PO BOX 71084 lllwllrsuulllrrinolll CHARLOTTE NC 28272-1084 Address, o-mail or telephone changeY Print change in space (rr~rllrr(rrrl llrrr(rrlrlrrr(lll rr~rrlrrlrr~lrrlrr~rrlrlrrll above, or go to Dixover.com. Print your e-mail address to receive importonf Account inhumation and special ofFers. 000001986458784216331046637000100000009400 Discover Platinum Card Account Summary Closing Date: January 18, 2005 page 1 of 2 Account number ending in 6060 Previous Balance $4,763.70 Payment Due Dala February 17, 2005 Payments And Credits 100.00 Minimum Payment Due 694.00 Purchases + 0 00 Credit Limit $7,700.00 Cash Advances . + 0 00 Credit Availoble $3,036.00 Balance Transfers . + 0.00 Cash Credit Limit $3,900.00 Finanes Char a~ + 0.00 Cash CreditAvailoble $3,036.00 __ New Balance 54,663.70 You may ba able to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance s D,OD New Cashback Bonus This Period + p,DD Cashback Bonus Balance S 0.00 ~-Cashback Bonus® Anniversary - ~ ~ .. ~ Date: July 18 ~ Keep us'mg your Dixover(R) Card and watch your Cashback Bonus(R) award growl ~ Remember, once yyoour Cashback Bonus award iz at least 520, you con redeem yyoour award by calling uz or by logging info the Account Center of Discovercard.com. How Can We Hel YOU? 1 • Visit Discowr.com to pay your bill For no cost, view our P latest Account information, som 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 Pksase have your Discover Card available. J options or fo speak with a Customer Servies Account Manager For TDD (assistance for hearing impaired) see reverse side r's'~° ~atd)txovsr Card, PO $+sx 30943, Salt Lake Ciy, UT 84130 Transactions $0 fraud Liability Guarantee Use your Dixover Card with confidence. Trans. 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ProfileProlecl(R) helps you manage your credit, prevent identify DISG:~VER' CARD ~-u pays b l TRAN, SANDRA P ~_ DISG_VER' _I Account number ending in 6060 Ranked #1 in Customer Loyalty- for 12 years in a row! "I've never been so impressed with a company that has looked out for my well-being with Limely reminders, paperleas statements and even o telephone call when something looks suspicious. Your service levels are unprecedented in the industry, You've got a cusbmer in me for life." James T. -Cleveland, Ohio k Experience it for yourself at Discoveccom [. 'ACCOrrJxrg b Are 7009 &and Keys Cusraner Loydiy E Jr,X,nne Inrle"Report ~ . rC,2009 D:scrwer Bong, Member FDIC Closing Date: January l fl, 2005 page 2 of 2 Get Fit. Get Smart. Get Mora. Introducing more rewards-NOW thru February) Gaf a 5% Cashback Bonus(R) oword at Health Clubs, Sporting Goods Stores, Bookstores and on Education purchases. Sign up today. Call 1.800-DISCOVER or visit Discovercard.com. 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Finance Charge Summary Average Dail Daily P i di Nominal ANNUAL PERCEN ANNUAL Periodic Transaction Fee y 8alonces er o c Rotes TAGE RATES PERCENTAGE RATES FINANCE FINANCE current billing period: 31 days CFL4RGE5 CHARGES Purchases Promotional Purchases $0 $0 0.04175% 0 0 15.24% V 15.24% SO SO Cash Advances $0 . 0000% 0.04997% 0.00% F 18.24% V 0.00% 18 24% $0 SO SO Balonce Transfers 54750.78 0.00000% 0.00% F . 0.00% $0 SO $0 previous billing period: 30 days Purchases $0 0.04107% 14.99% V 14.99°; $0 none The rates )hot apply ro your Account are ei ther fixed (F) or they may vory (V) as noted above. QUeStlOnS? Manage your account at Discover.com or __II ~ enn nrei-~srrn n nnn n .~..,,,.,r CC/'. New Balance , Minim um payment Due Account Number ending in 6060 D'~/C~~..~VER~ $4,759.43 ,$190.00 Enter Amount Enclosed Below CARD -.- Payment Due Date $ ~---~ March 17, 2005 please make check payable to Dixover Platinum Card. Minimum payment due includes a post due amount of $94.00. 18 SOSN6A010003542 TRAN, SANDRA P 219 S 18TH ST p 2 CAMP HILL PA 17011-5514 Addreu, o-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 special offers. Will your payment gat io us on time? Pay your III online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 Illnrllr,nnlllnlunlll CHARLOTTE NC 28272-1084 Irrl~llnlnrlrllrr~lrrlrlnrlllln~lrrlulrr~~ulrrlulrlr~ll 00000198645878421633104759430000~00001900~ Discover Platinum Card Account Summary Closing Data: February 18, 2005 page 1 of 1 Account number ending in 6060 Previous Balance $4,663.70 Payment Dus Dafe March 17, 2005 Payments And Credits 0 ~ Minimum Payment Due $190.00 Purchases + 35 00 Credit limit 57,700.00 Cash Advances . + 0 00 Credit Available $2,940.00 Balance Transfers . + 0 00 Cash Crodit Limit $3,900.00 Financs Charges . + 60 73 Cash Credit Available $2,940.00 ___ New Balance . $4,759.43 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 + p 00 Cashback Bonus Balance S 0.00 Cashback Bonus® Anniversary- - ~ ~ Date: July 18 How Can We Hel YOU? P 1 • Visit Discover.com to pay your bill for no cori, view your It's your choice - 3 ways to help latest Account information, earn and redeem rewards and more 2. Call 1.804DISCOVER (347-2683) for fast, easy self-service Please have your Dixover Card available. options or to spook 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 64130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Pori Date Daro Other/Misca%ansous Feb 18 Feb 18 LATE FEE $ 35.00 Information For You Your account is past due. Please pay your minimum monthly payment plus the past due amount. Balance Transfer offer for cunenf billing period: Daily Periodic Rate: 0.04175X; corresponding ANNUAL PERCENTAGE . RATE:.15.24X...Rete is subject to itre terms of the offer including expiration. ;Finance Charge Summary Nominal Transacfion Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES [HARGFS current billing period: 31 days Purchases $0 0.04175X 15.24% V 15.24% $0 $0 Promotional Purchases $0 0.04175% 15.24X V 15.24% $0 $0 Cosh Advances $0 0.04997X 18.24% V 18.24% $0 $0 Balance Transfers 54693.02 0.04175X 15.24°e V 15.24% $60.73 $0 The rotes thaF apply to your Account are either fixed (F) or they may vary N) as noted above c/~ `, p New Balance I Minimum Payment Due Account Number ending in 6060 ~IJ~r~< Y EI< $4,851.30 $288.00 ~ Enter Amount Enclosed Below CARD ~_-.__._ __ Payment Due Date ~ ~-~ April 17, 2005 please make check payabb fo Dixover PhBnum Cord. Minimum payment due includes a past due amount of $190.00. 1B SDSN6AOi 0003543 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Will your payment get to us on iime$ Pay your bill online and your payment can ba made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 Illrrrllrrrrrrlllrrlrrrrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change0 Print change in space Irrlrllrrlrrrlr~lrrrlrrlrlrrrlll~rrr~rrlrrlrrllrrlrrlrrlrlrrll above, or go to Dixover.com. Print your a-mail address fa receive important Account information and spacial offers. OOOD019864587842163310485130DOOOOD00028800 Discover Platinum Card Account Summary Closing Date: March I8, 2005 page 1 of 1 Account number ending in 6060 Previous Balance $4 759 43 Payment Due Data April 17, 2005 Payments And Credits , . - 000 Minimum Payment Due $288.00 Purchases + 35 00 Credit Limit $7,700.00 Cash Advances . + 0 00 Credit Available $2,848.00 Balance Transfers . + 0 00 Cash Credit Limit $3,900.00 Finance Charges . + 56 87 Cash Credit Available $2,848.00 _ __ _ _ New Balance _ . $4,851.30 You maybe able fo avoid Periodic Finance Charges, see the reverse side for details. Coshback Bonus® Opening Coshback Bonus Balance $ 0 00 , New Coshback Bonus This Period + 0 QO Coshback Bonus Balance $ 0,00 Cashback$onus® Anniversary - ~ . Dale: July 18 How Can We Hel Yau? P 1. Visit Discaver.com to pay year bill for no cost, view your It's your choice - 3 ways to help latest A«aaM information, earn and redeem rewards and more 2. Call 1-80UgSCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Marwger For TDD (assistance For hearing impaired) see reverse side 3. Write us at Dixover Card, PO Box 30943, Sall lake City, UT 84130 Transactions $0 Fraud Liahiliy Guarantee Use your Discover Card with confidenco. Trans. Post Daro Dab CNher/Miscellaneous Mar 18 Mor 18 LATE FEE $ 35.00 Information For You 'Your account is past due. Please pay your minimum monthly payment plus the past due amount. Dixover Financial Services is proud to welcome Junior Achievement as a Coshback Bonus(R) Charitable Partner. They join our curcent charities, JDRF and Make-A-Wish. To donate your Cash6ack Bonus(R) or team more, visit Dixovercard.com. ;Finance Charge Summary ~ ~ Average Daily Nominal ANNUAL ANNUAL Periodic Transaction F Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES F INANCS ee FIG S curceM billing period: 28 days C -Purchases 535.20 ~ 0.04244% 15.49% V 15.49% $0 42 $0 Promdional Purchases $0 0.04244°0 15.49% V 15.49% . SO SO .Cash Advances $0 ' 0.05066% 18.49% V 18.49% $0 $0 Bak+nceTransfers $4751.58 0.04244?b 15.49% V 15.49% $56.45 $0 'The rates that apply to your Account are either fixed (F) or they may vary N) as noted above. ~+ New Balance Minimum Payment Due Account Number ending in 6060 DISC<. AVER $4,199.80 584.00 Enter Amount Enclosed Below CARD ~---~-~- - Payment Due Date $ May 17, 2005 please make check payable to Discover Platinum Card or pay online i~ Dixovercord.com. 18 SDSN5A01 0003544 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17D11-5514 Address, e-mail or telephone changeZ Print chonge in space above, a go fo Dixover.com. Print your e-mail address to receive important Account information and special offers. Wib Your payment get fo us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 IIIrrJlrrrrrrlllrrlrrrrlli CHARLOTTE NC 28272-1084 )ulrlin)urlrllu~lul~lnrll)~rululnin~)u)nln~rln~~ 00000198645878421633104199800030000000840^ Discover Platinum Card Account Summary Closing Date: April 18, 2005 page 1 of 2 Account number ending in 6060 Previous Balonce 851.30 54 Payment Dus Date May 17, 2005 Payments And Credits , 71 p.00 Minimum Payment Due 584.00 Purchases + 0.00 Crodit Limit 57,700.00 Cash Advances + 0.00 Credit Available 53,500.00 Balance Transfers + 0.00 Cash Credit limit 53,900.00 Finance Char~ss + 56.$0 Cash Cred'A Available 53,500.00 New Balenca 54,199.80 You may ba able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Opening Cashback Bonus Balance S 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 0.00 Cashback Bonus® Anniversary ' Dafe: July 18 i Keep using your DixoverlR} Card and watch your Cashback BonuslR} award growl Remember, once your Cashback Bonus award is at least 520, you can redeem your d b ll b awar y ca ing us or y ksgging into the Account Cenfsr of Discovercard.com. How Can We He) You? P 1 ~ Visit Discowr.com fo pay your biD for no cost, view our latest Account information, sam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for Fost, easy sslFservica ' Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for heari ng impaired) see reverse side 3. Write us al Dixover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guaran tee Use your Dixover Card with confidence. Trans. Post Date Dab Payments and Credits Mar 23 Mar 23 PAYMENT -THANK YOU $ -200,00 .. ..- Mar 30 Mar 30 PAYMENT -THANK YOU -41000 Mar 30 Mar 30 PAYMENT -THANK YOU -300 00 'Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99"6. Rafe 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 incase of .emergency. Cafl 1-800.DISCOVER a visit Discovercard.com/AdditionalCards today. What if your credit falls info the wrong hands0 Reduce your risk of identity theh and credit fraud with ProfileProtect(R}. This D~C~~~~/CD ~ttpeysto~ TRAN,SANDRAP J Y GIC ~)rJC'.:%VER ACOOU^t ^umber ending in 6060 CARD Ranked #1 in Customer Loyalty- for 12 years in a row! "I've never been so impressed with a company that hos boked out For my well-being with finely reminders, paperkss srotemenls and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a cusbmer in me for tile." lames T. -Clevelond, Ohb Experience if for yourself at Dismvercom 'According k Ase X009 ermd Keys Customer Loyoly Erigegmsenl Imkc Rawl 4%1009 Discovn nwd. Memlm EDIC Closing Date: April 18, 2005 page 2 of 2 Paperless statements can jumpstart your spring cleaning) Get rid of the excess paper in yow life by receiving your Discover)R) Card stotements online instead of by mail. You'll get an a•mail kBing you know when your statement is ready to view online. You can even pay your bill online while you're Ihare. Go to Diseovercard.com to sign up. 25% of credit reports contain errors serious enough to result in denial of credit ("Mistakes Do Happen: a look at srcors in consumer credit," Nat'I Assoc. of Stale PIRGs, June 041. ProlilaProlectlR) is a comprehensive service that helps you monitor $ manage your credit. Enroll today at ProfileProtecf.com/control. Use your DixoverlR) Card to make a S 100 donation to The Statue of Libeny-Ellis Island Foundation, Inc. and you can have the name of someone you care about engraved on The American Immigrant Wall of HonoriR), buih to celebrote freedom and commemorate American Dreams. For more inFormation log on to Dixovereard.com. America's ql Credit Card Rewards Program. Get a Cashback BonuslR) on all your purchases with unlimited earnings. Then double your reward with gih cards or certificates From Discover Card Portners such as BLOCKBUSTER)R), F7D.com and The Sharper ImagelR). Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL periodic Transaction Fee Daily a8 hnces Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Ptxchases 570.88 0.04312% 15.74% V 15.74% x0 95 SO Cash Advances SO 0.05134% 18.74% V 18.74% . SO SO Babncs Tronsfers =4306.36 0.04312% - 15.74% V 15.74% 657.55 SO The rates }hat apply to your Account are either Fixed (F) or they may vary ih as rated above. QUeStlo115? Manage your account at Discover.com or __II 7 onn nrc~nven n nnn ~ i~ n r nm New Balance Minimum Payment Due Account Number ending in 3060 DISC :VER' $4,032.57 $81.00 ~ EMer Amount Encbsad Bebw CARD - Payment Due DaM $ June 17, 2005 please make check payable to Dixover Platinum Card or pay online ~ Discovercard.com. 18 SDSN8AD1 0003545 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, email or telephone change8 Print change in space above, or go to Dixovsr.com. Print your o-mail address to receive important Account information and special offers. WiR your payment get to us on time;! Poy your bill online and your payment can be made to your account on the same day. Visit Discover.eom/payments today. PO BOX 71084 ~~Irn~~nnu~~~u~un~~~ CHARLOTTE NC 28272-1084 ~u~r~~u~nr~rl~m~n~rlui~~~~urluln~n~ln~uln~i~u~) OOOD019864587842163310403257002200000D8100 Discover Platinum Card Account Summary Closing Date: May 1 B, 2005 page 1 of 1 Account number ending in 6060 Previous Balance 54,199.80 Payment Due Dote June 17, 2005 Payments And Cedits - 220.00 Minimum Payment Due $81.00 Purchases + 0.00 CrediilimiF $7,700.00 Cash Advances + 0.00 Credit Available x3,667.00 Bnlonce Transfers + 0.00 Cash Crodit Limit $3,900.00 Finance Charges + 52.77 Cash Crodit Available x3,667.00 New Balance __ 54,032.57 You may be ebb to avoid Periodic Finance Charges, sea the reverse side For details. Cashback Bonusm Opening Cashback Bonus Bnlonce S 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 0.00 Cashbad; Bonus® Anniversary- ~ ~ - ~ ~ - - ~ ~ ~ ~ ~ - _ ... _ ... ...... ... Date: July 18 Keep using your DiscoverlR) Card and watch your Cashback BonuslR) award grow! Remember, once yyo~ur Cashback Bonus award is at least $20, you can redeem yyour award by calling us or by bgging info the Account Center at Discovercard.com. How Can We Hel Yau? l . Visit Dixever.com to pay your 601 for no cost, view ur P latest Account information, earn and redeem rewardsoand more ~t'S your choice - 3 ways to help 2. Call 1-BOO.gSCOVER (347.2683( For fast, easy self-service Please have yaw Dixover Card available. options or to speak with a Customer Service Account Manager For TDD assistance For hearin im fired see reverse side 3. Write us d Dixover Card, PO Box 30943, ) 9 ~ Pa ) Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Cord with confidence. Trani. Post Dale Date Payments and Credits Apr 29 Apr 29 PAYMENT • THANK YOU $ -220.00 .Information For You ~ Balance Transfer offer Fw current billing period: Daily Periodic Rata: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the olFer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fes Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al nc Rates RATES RATES CHARGES CHARGES current billing period: 30 days . Purchases 24078.90 0.04312% 15.74% V 15.74% 552.77 SO Cash Advances $0 0.05134% 18.74% V 18.74% SO SO ;The rates that apply fo your Account are either Fixed (f)or they may vary M as noted above. Build Your Savings on YOUR Schedule) Open a Dixover Bonk Money Market Account and sign up for AuloSavers today) 1 New Balance Minimum Payment Due Account Number ending in 6060 DISCS }VER 53,890.55 ~ 578.00 ~ Enter Amount Enclosed Bebw CARD Payment Due Date $ July 17, 2005 pjease make check payable to Dixover Platinum Gard or pay online ®Diuovercard.com. 18 SDSN8A010003546 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Will your payment gN to us on time4 Pay your bill online and your payment can be made to your account on the same day. Visit Discover.eom/payments today. PO BOX 71084 Illnrllunulllnluulll CHARLOTTE NC 28272-1084 Address,o-mailortelephonecharge4Printchangeinspace ~„Irllrr~iirlrllrri~irlrlrril~~~rrrlrrlrrlrr~lrrlri~irlrlrrll above, or go to Discover.com. Print your email address to receive important Account information and special offers. OOD00198645878421633103890550019500D007800 Discover Platinum Card Account Summary Closing Date: June 18, 2005 page 1 of 1 Account number ending in 6060 Previous Balance $4,032.57 Payment Due Date July 17, 2005 Payments And Credits - 195.00 Minimum Payment Due $78.00 Purchases + 0.00 Credit Limit 57,700.00 Cash Advances + 0.00 Credit Available $3,809.00 Balance Transfers + 0.00 Cash Credit Limit $3,900.00 Finance Charyss + 52.98 Cash Credit Available $3,809.00 _ ___ New Balance _ $3,890.55 You maybe able to ovoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0,00 Cashback$onus®~ Anniversary . .. .. .. .... .. .. .. ..... .. Date: July 18 Keep using your DiscoverlR) Card and watch your Cashback Bonus(R) award growl Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by bgging into the Account Center at Discovercard.com. How Can We Hel You? P 1. Visit Dixowrcem to pay your bRl for ne cost, view r latest A t i f ti s a It's your choice - 3 ways to help ccoun n orma on, earn and redeem reword nd more 2. Coll 1-800-DISCOVER (347-2683) for Fast easy self-service Please have your Dixover 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 Dixover Card, PO Box 30943, Sah Loke City, UT 84130 :Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Turns. Post Dab Dab Payments and Crodih May 25 May 25 PAYMENT -THANK YOU $ -195.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rale: 0.05477%; corresponding ANNUAL PERCENTAGE .,RATE: 19.99%. Rate is subject to the terms of the offer including expiration. 'Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Transaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE a n e Rates RATES RATES FINANCE FINANCE CHARGES CHARGES current bi8ing period: 31 days .Purchases $3901.10 0.04381% 15.99% V 15.99% $52.98 $0 Cash Advances $0 0.0520390 18.99% V 18.99% $0 $0 'The rates that apply to your Account are either Fixed (F) or They may vary (V) as noted above. Call 1-804767-73 1 5 1oday or visit Discovercard.com to find out iF you qualify for a valuable Balance Transfer offer. It's a r--` --~ --_...._.._ ._..- -----..~ New Balance Minimum Payment Due I Account Number ending In 6060 DISC~..~VER~ $3,9BLD1 $158.00 _~ EnlsrAmounlEnclasedBelow CARD Payment Due Dote s August 17, 2005 please make cMck payable to Discover Platinum Card. Minimum payment due includes a post due amount of $78.00. 78 SDSNfiA01 0003`x97 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17D11-5514 Address, o-mail or telephone change8 Print change in space above, or go to Discover.eom. Print your email address to receive important Account information and special offers. Will your payment get to us on timett Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 Illnrlluuulllnlrurlll CHARLOTTE NC 28272-1084 lulsllulurlrllnrlulrlnrll~~u~lulnlnllnln~uirlull 000001986458784216331039810100000000015800 Discover Platinum Card Account Summary Closing Date: July 18, 2005 page 1 of 1 Account number ending in 6060 Previous Balance $3,890.55 Payment Due Data August 17, 2005 Payments And Credits p,00 Minimum Payment Due 5158.00 Purchases + 39.00 Credit Lima $7,700.00 Cash Advances + 0.00 Credit Available $3,718.00 Balance Transfers + 0.00 Cash Credit Limit $3,900.00 Finersce Charges + 51.46 Cash Credit Available $3,718.00 New Balance _ $3,981.01 You may be able to avoid Periodic finance Charges, sea the reverse side For details. Cashback Bonus' Opening Cashback Bonus Balance s o.oo New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 ' Cashback Bonus® Anniversary- ' Dale: July 1 B , How Can We Hel You? P ' ~ v;ait Discewr.cem la pay y°~ bdl ter ^° cart, view your l t A f :It's your choice - 3 ways to help a est ccount in ormation, earn and redeem rewards and more 2. CaR 1-BOO.DISCOVER (347-2683) for Fast, easy self•servica ~ Please haw your Discover Card available. options or to spook with a Customer Service Account Manager For TDD (assistance for hearing impairadl see rewrse side 3. WrBe us al Discover Cord, PO Box 30943, SaR Lake City, UT 84130 ,Transactions $0 Fraud Liabili y Guarantee Use your Discover Card with confidence. Trans. Post Data Dab Other/Miscellaneous 1ul 17 Jul 17 LATE FEE $ 39.00 ,Information For You Your account iz past due. Please pay your minimum monthly paymerd plus the past due amount. Balance Transfer offer for current billing period: Daily Periodic Rafe: 0.04381 %; corresponding ANNUAL PERCENTAGE . RAT.E:.15-49%.. Rare is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic ale Rates PERCENTAGE PERCENTAGE FINANCE FINCH RC~sES RATES RATES CHARGES cunent billing period: 30 days Purchases $3915.37 0.04381% 15.99% V 15.99% $51.46 $0 ~~Cash Advances $0 0-05203% 18.99% V 18.99% SO SO The rates that apply to your Accaunf are either Fixed If) or They may wry IV) as noted above Naw Balarxe Minimum Payment Due Account Number ending in 6060 DISC~:~VER $'28.81 $0.00 - ~ Enter Amount Enclosed Bebw CARD ~~~JJJ Payment Due Date September 17, 2005 Your account has a credit bahncs. No payment is due. 18 SDSN6A01 0003548 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Will your payment get to us on time? Pay your biR online and your payment can be mode to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 ~~Inr~~uuull~ulrurl~l CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space Ir1~1lI1r Ir 1111ll 111 111 111 rlllll'IIrIs1Ir1Ir 1I111111I1iIrIr11I above, or go to Discover.com. Print your email address to receive important Account information and special offers. 00000198645878421633100000000403247DOD0000 Discover Platinum Card Account Summary Closing Date: August 18, 2005 page 1 of 1 ~Accounf number ending in 6060 Previous Balance $3,981.01 Payment Due Dote September 17, 2005 Payments And Credits - 4,032.47 Minimum Payment0ue $0.00 Purchases + 000 Credit Limit $7,700.00 Cash Advances + 0.00 Credd Available $7,700.00 Balance Transfers + 0.00 'Cash Credit Limit $3,900.00 Finance Char~sz__ + 22.65 Cash Credit Available $3,900.00 New Balance _ a ,~pg:g j Your account has a credit balance. No payment is due. 'Cashback Bonus® Cashback Bonus® Anniversary Dale: July 1 B Opening Cashback Bonus Balance $ 0,00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus(R) is America's -1 Cash 'Rewords Program! Full 5%Cashback Bonus . on Get More purchases in popular categories throughout the year and up to 1 %Cashback -bonus on all your other purchases. How Can We He) YOU? 1. Visit Dizcowacom to pay your 671 for no cost, view P latest Account information, aam and rodssm reward~ond more It's your choice - 3 ways to help 2. Call 1.804DISCOVER (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 heart 3. Write us at Dixover Card, PO Box 30943, ( ng impaired) see reverse side Sall lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. ' Trans. PosT Dero Dah Payments and Credits Aug 1 Aug 1 PAYMENT • THANK YOU $ -4,032.47 Information For You Balance Transfer offer for current billing period: Daily Periodic Rafe: 0.04449%; corresponding ANNUAI PERCENTAGE RATE: 16.24%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Nominal Daily ANNUAL ANNUAL Periodic TransaNion Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE B e Rates RATES RATES CHARGFS CHARGES current billing period: 31 days Purchases $1642.15 0.04449% 16.24% V 16.24% $22.65 SO Cash Advances $0 0.05271 % 19.24% V 19.24% $0 $0 Tha rates that apply to your Account are either fixed (F) or they may vary N) as noted above. Use your Dixover(R) Card with confidence knowing that if has the identify fraud services ranked # 1 by Javelin Strategy 8 New Balance Minimum Payment Due ~ Account Number ending in 6060 DISC .iVER~ 5.228.81 50.00 I EnlerAmountEnclosedBabw CARD Payment Due Date $ Cktober 17, 2005 Your account has a credit balance. No payment is due. 18 SOSN6A01 0003549 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, email or telephone change? Print change in space above, or go to Discover.com. Print your o-mail address to receive important Aecount information and special offers. Will your payment get to us on times Pay your bill online and your payment can be made to your atcouni on the same day. Visit Diseover.com/payments today. PO BOX 71084 Illrrrllrrrrrrlllrrlrrtslll CHARLOTTE NC 28272-1084 I~~LIIrrLrrlJlrrrLJ~IndI11~~rLdrrlr~ILrlrrL~Ll~rll 000001986458784216331000000000200000000000 Discover Platinum Card Account Summary Closing Date: September 18, 2005 page 1 of 2 Account number ending in 6060 Previous Balance y2g,g1 Payment Due Date October 17, 2005 Payments And Credits 200,00 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $7,700.00 Cash Advances + 0.00 Credit Available $7,700.00 Balance Transfers + 0.00 Cash Credit Limit $3,900.00 Finance Charges + 0.00 Cash Credit Available $3,900.00 Nsw Balance $-228.81 Your account has a credit baance. No payment is due Cashback Bonus® Cashback Bonus® Anniversary - ~ ~ - - Date: July t B Cashback Bonus(Rj is America's # 1 Cash Rewards Progroml Full 5%Cashback Bonus on Get More purchases in popular cafeyones throughout the year and up l0 1 %Cashback Bonus on all your other purchases. Opening Cashback Bonus Balance S 0.00 New Cashback Bonus This Period + D.00 Cashback Bonus Balance S 0.00 How Can We Hel Yau? 1. Visit Discever.com to pay your bill for no cost, viewyo ur p latest Account information, eam and redeem rewords and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self•ssrvice 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] sae reverse side SaR Lake City, UT 84130 Transactions $0 Fraud tiabiliy Guarantee Use your Discover Card with confidence. Trans. Pest DaM Dafs Payments and CrodBs Sep 3 Sep 3 PAYMENT • THANK YOU $ .200.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE ~ RATE: 9.90%. Rate is subject fo the terms of the offer including expiration. DISCE_~1VER cARo h pays to ~ TRAN, SANDRA P _ DISC'.'%VER• Account number ending in 6060 Ranked #1 in Customer Loyalty- for 12 years in a row! "I've never been so impressed with a company that has looked out for my well-being with timely reminders, papedess statements and even a telephone call when something looks suspicious. Your service levels are unprecedented in the industry. You've got a customer in me for life." lames T. -Gleueland, Ohio Experience it for yourself of Discovercom 'ACrord'nx~ a the 20D9 &md Keys Cuslamer loyolly Eryopemera Irub. Reput 4Rg09 D~smer Bmk, MmnLn FDIC Closing Date: September 1 B, 2005 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolantes Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases SO 0.04518% 16.49% V 16.49% $0 $0 Cash Advances SO 0.05340% 19.49% V 19.49% SO EO previous billing period: 31 days Purchases SO 0.04449% 16.24% V 16.24% SO none The rates that apply fo your Account are ei ther fixed IF) or they may vary IV) as n oted obove. QUeStlonS~ Manage your account at Discover.com or ...11 7 onn nrc~~smn ri nnn ~ ~->.,. r.... ~~++ New Balance Minimum Payment Dus Account Number ending in 6060 D'JC'..,}VER~ 50.00 50.00 Enlsr Amount Endosed Below CARD ~-_... _.__ ~~ Payment Due Dafe $ November 17, 2005 18 SOSN6A01 0003550 TRAN, SANDRA P Will your payment gel to us on timei! Pay 219 S 18TH ST • 2 your b~II online and your payment can 6e made to your account on the same day. Visit CAMP HILL PA 17011-5514 Ditcover.eom/paymentstodoy. PO BOX 71084 Illrtrllrtrrrrlllrrlrrrr CHARLOTTE NC 28272-1084 Address, e-mail ortebphone change? Print change in space (irlrlltrlirrlrllrrr(rrlilrrrll((irrlrrlir~ii~lirlrilri~ilrsll above, or go to Discover.com. Print your email address to receive important Account information and special offers. ODODD1986458784216331DDDDDDDDODDDDD0000000 Discover Platinum Card Account Summary Closing Date: October 18, 2005 page 1 of 1 Account number ending in 6060 Previous Balance 6.228.81 Payment Due Dale November 17, 2005 Payments And Credits 0,00 Minimum Payment Due 50.00 Purchases + 228.81 Credit Limit 67,700.00 Cash Advances + 0.00 Credit Available 67,700.00 Balance Transfers + 0.00 Cash Credit Limit 63,900.00 Finance Charges + 0.00 Cash Credit Available 53,900.00 New Balance _ $0-Op Cashback Bonus® Opening Cashback Bonus Balance s o.oo New Cashback Bonus This Period + 0.00 ' Cashback Bonus Balance S 0.00 -Cashback Bonus®Anniversary ' Date: July 18 How Can We Hel YOU? 1. Visit Discowrcem to pay your bill for no cost, view your P latest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2. Call 1.800.OISCOVER (3 4 7-2 6 8 31 For fast, easy self-service ~ options or to speak with a Customer Service Account Manager Please have your Discover Card avaihble. 3. Write us at Dixover Card, PO Box 30943, for TDD (assistance For hearing impaired) see reverse side Solt Lake City, UT 84130 Transactions SO Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Posr Date Dale Olhsr/Miscellaneous Sep 26 Sep 26 CREDIT BALANCE REFUND $ 228.81 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 60 0.04586% 16.74% V 16.74% 60 SO :Cash Advances 60 0.05408% 19.74% V 19.74% 60 SO previous biting period: 31 days Purchases 60 0.04516% 16.49% V 16.49% 60 none The rates that apply to your Account are either Fixed (FI or they may vary (VI as rated above. ~ New Balance Minimum Payment Due Account Number ending in 6060 D'S~4..~VER' $7,573.19 $152.00 _, Enter Amount Encbs.d Bebw CARD -- ---- Payment Due Dale $ January 17, 2006 please make check payabb fo Discover Platinum Card or pay online H Dixovercard.com. 18 SDSNSA010003551 TRAN, SANDRA P Z19 5 18TH ST # 2 CAMP HILL PA 17011-5514 Will your payment gat to us on lime2 Poy your bill online and your payment can ba made to your account on the soma day. Visit Diacover.com/payments today. Po Box 71oa4 Illrrrlirrrrrrlllrrlrrrrlll CHARLOTTE NC 28272-1D84 Address,emailortelephonechanga4Printchangeinspace Irrlrllrrlrrrlillrirlrrlilrrillllrrrlirlrrlrrllirlrilrrlrlrrll above, or go to Discover,com. Print your email addrozs fo receive important Account information and special offers. 000001986458784216331075731900000000015200 Discover Platinum Card Account Summary Closing Date: December 18, 2005 page 1 of 1 Account number ending in 6060 ~ Previous Balance S0_00 PaymeM Due Dafa January 17, 2006 Payments And Credits 0.00 Minimum Payment Due S 152.00 Purchases + 0.00 Credit Limit $7,700.00 Cash Advances + 0.00 Credit Available S 126.00 Balance Transfers + 7,500.00 'CashCredilLimit $3,900.00 financsCharges + 73.19 Cash Credit Available $126.00 ______ New Balance ___ _ $7,573.19 You may be able to avoid Periodic Finance Charges, sea the reverse side for details. 'Cashback Bonus® Opening Cashback Bonus Balance $ 0,00 New Cashback Bonus This Period + p.00 ' Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Date: July 18 Cashbook Bonus(R) is America's #1 Cash Rewards Program! full 5%Cashback Bonus on Get More purchases in popular categories throughout Iha year and up fo 195 Cashback Bonus on all your other purchases. .How Can We Hel YOU? P 1. Visit Dixewr.com to pay your 6RI for no cost, view your l t t A i f 'It's your choice - 3 ways to help a es ccount n ormation, eam and redeem rewards and more 2. CaR 1-BtxwISCOVER (347.2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Serviee Account Manager For TDD assistance for hearin 3. Writs us at Discover Card, PO Box 30943, ( g impaired) see reverse side SaR Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence. ' Trans. Pest Doh Dale ~Balancs Tranzhrs Dec b Dec b BALANCE TRANSFER CHECK 0375 $ 7,800,00 Dec b Dec 6 BAL TRANS TRANSACTION FEE FINANCE CHARGE 60.00 APR 4.90% EXPIRES 05/2006 Finance Charge Summary curteM billing period: 30 days Nominal Average Daily ANNUAL ANNUAL Daily Periodic PERCENTAGE PERCENTAGE Balances Rares RATES RATES Purchases $0 0.04655% 16.99% V 16.99% Cash Advances SO 0.05477% 19.99% V 19.99% Balance Transfers 53278.63 0.0134295 4.90% F 1 1.70% previous billing period: 31 days Purchases $0 0.0458695 16.74'5 V 16.74% `The rates that apply to your Account are either fixed (F) or they may vary N) as noted above. Transaction Periodic fee FINANCE FINANCE CHARGES CHARGES SO $0 SO $0 513.19 560.00 SO none ~+~s Naw Balance Minimum Payment Due ~ Account Number ending in 6060 DI$%,r`~.~.~'VER' s7,asz.3D 5150.00 I Enter Amount Encbsed Below CARD - ym _. _._._ o-~~ Pa ent Due Date .P February 17, 2006 please make check payoble to Dixover Platinum Card or pay online @ Diseovercard.com. 18 SDSN6A01 0003552 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, o-mail or iekphone change? Print change in space above, or go to Discover.com. Print your email address to receive imponant Account information and special offers. Will your payment get fo us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discover.eom/payments todoy. PO BOX 71084 ~Ilrrrl~rrsrrrl~lrrlrrrr~ll CHARLOTTE NC 28272-1084 ~u~r~~n~nr~i~~ur~n~i~ur~~~~m~~r~n~n~~u~u~n~i~u~~ OOD001986458784216331074523D001520000150D0 Discover Platinum Card Account Summary Closing Date: January 1 B, 2006 page 1 of 1 Account number ending in 6060 Previous Balance 57,573.19 Payment Due Date February 17, 2006 Payments And Credits - 1$2.00 Minimum PaymantDue $150.00 Purchases + 0.00 Credit Umif 57,700.00 Cash Advonces + 0.00 CredB Available 5247.00 Balance Transfers + 0.00 Cash Credit limit 53,900.00 Finance Charr~es + 31.11 Cash Credit Available 5247.00 _ New Bolance 57,452.30 You may be able to avoid Periodic finance Charges, see the reverse side fa details. Cashback Bonus® Cazhbacls Bows® Anniversary - Date: July 18 Opening Cashback Bonus Balance S 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback BonuslR) is America's ttl Cash Rewards Program) Full 5%Cashback Bonus on t;d More purchases in popular cotegories throughout the year and up fo 1 %Cashback Bonus on all your other purchases. How Can We Hel You? 1 • Visit Discowr.com to pay your bill for no test, view r P latest Account information, earn and redeem rewardi and more It's your choice - 3 ways to help 2. Call 1-804DISCOVER (347.2683) For Fast, easy self-service options or Io speak with a Customer Service Account Mancger Please haw your Discover Card available. 3. Writs us at Discover Card PO Box 30943, For TDD assistance for hearing impaired see reverse side Sah Laks City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Daro Daro Payments and Crodits Dec 28 Dec 26 PAYMENT -THANK YOU $ -152.00 'Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES cvmeM btging period: 31 days Purchases SO 0.04723% 17.24% V 17.24% SO 50 Cosh Advances SO 0.05545% 20.24% V 20.24% SO $0 Balance Trvnsfen $7480.41 0.01342% 4.90% F 4.90% 531.1 1 SO provious billing period: 30 days '. Puchases 50 0.04655% 16.99% V 16.99% $0 none The riles that apply to your Account are either fixed (Fl or they may vary NI az noted obove. Nsw Balance Minimum Paymsni Due Account Number ending in 6060 DISC<_:~VER• $7,182.38 $144.00 _~ Enter Amount Enclosed Bsbw CARD - - ~~~~III Payment Due Date $ ~--~ March 17, 2006 please make check yyaabb to Discover Platinum Card or poy online I~ Dixovercard.com. 1B SDSN6A01 0003553 TRAN, SAN-RA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Will your payment get to us on lime? Pay your bill online and yow payment can be mode to your account on the same day. Visit Discover.com/payments lodoy. PO BOX 71084 Illnrllunulllulnnlll CHARLOTTE NC 28272-1084 Addrsss,emailorblephonschange?Print change inspacs liilrllrrlrrilrllirrlri~rlrrillllrrr~irlrrlrrllrrliilrrlrlrrll above, or go fo Dixovsr.com. Print your email address to receive important Account infwmation and special offers. 000001986458784216331071823800300000014400 Discover Platinum Card Account Summary Closing Date: February 18, 2006 page I of 1 Account number ending in 6060 Previous Balance $7,452.30 Payment Due Date March 17, 2006 Payments And Credits 300,00 Minimum Payment Due $144.00 Purchases + 0.00 CredB limit 57,700.00 Cash Advances + 0.00 Credit Available $517.00 Baance TransFen + 0.00 Cash Cradif limit 53,900.00 Finance Charges + 30.08 Cash Credit Available $517.00 ______ New Balance _ $7,182.38 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashbak Bonus Bolance $ 0.00 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 0.00 ~Coshback~Bonus~Anniversary -..... . - .. _... - .. ... ....... .. ... ..... .. Date: July 18 Cashback Bonus(R( is America's #1 Cash Rewards Program) Full 5%Cashbock Bonus on GeF Moro purchases in popubr categories throughout the year and up to 1 %Cashback Bonus on aR your other purchases. How Can We Hel 1 OU? 1 ~ Visit Dis<over.com fo pay your bBl 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•BOO.DISCOVER (347.2683) For fast, easy self-service Please hove your Dixover Card available, options or to speak wish o Customer Service Account Manoger Fw TDD (assistance for hearing impaired( see reverse side 3. Write us of Dixover Card, PO Box 30943, Salt Lake Ciy, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. ' Trans. Post Dots Dab PoymanM and Crodits Jan 26 Jan 26 PAYMENT • THANK YOU $ _800 00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rata: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Role is subject to the terms of the offer including expiration. ;Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FlNANCE FINANCE lance Rates RATES RATES CHARGES CHARGES current billing period: 31 days ! Purchases SO 0.04723°: 17.249e V 17.24 a $0 $0 Cash Advances ' $0 0.05545 a 20.24 ~ V 20.24% $0 $0 BaknceTransfers $7234.69 0.01342°: 4.90% F 4.90% $30.08 $0 The robs Thal apply to your Account are ei ther Fixed (F) or they may vary (V) as noted above. Dixover Card ranked # 1 in fraud Protection Services among the largest credit card companies by hvelin Strategy $ CC/~ New Balance Minimum Payment Due D'JCt~..'VER $6,858.64 $138.00 Account Number ending in 6060 Enter Amourd Encbsed Bebw CARD ~' ---- Payment Due Data April 17, 2006 phase make check payobk to Discover Platinum Card or pay online ®Discovercard.com. 18 SDSN6A010003554 TRAN, SANDRA P 219 5 18TH ST # 2 CAMP HILL PA 17011-5514 Address, e-mail or telephone changsB Print change in space above, or go to Discover.tom. Print your email addross to receive important Account information and special offers. Will your payment gat to us on timsR Pay your biH online and your payment can be made to your account on the same day. Visit Dizcover.com/payments today. PO BOX 71084 Illnrllnnulllnlwrlll CHARLOTTE NC 28272-1084 lulrllnlurl~llnrlulrlurll~lnrlululullnlulnlrlu~l D000019864587842163310685884DD35000D013800 Discover Platinum Card Account Summary Closing Date: March 18, 2006 page 1 of 1 Account number ending in 6060 Previous Balance $7,182.38 Payment Due Date April 17, 2006 Payments And Credits 350.00 Minimum Payment Due 5138.00 Purchases + 0.00 CredB Umit 57,700.00 Cash Adva«es + 0.00 Credit Available 5841.00 Balance Transfer + 0.00 ' Cash Credit Limit 53,900.00 Finanee Charges + 26.46 Cash Credit Available 5841.00 New Balanee = 56,658.64 You maybe able b avoid Periodic Finance Charges, sae the reverse side for details. Cashback Bonus® Opening Cashback Bonus Bala«e S 0.00 New Cashback Bonus This Period + 0.00 ' Cashback Bonus Balance $ 0.00 `~ Cashbock Bonus® Anniversary - ~ - • Date: Jay 18 i Cashback Bonus(R) is America's #1 Cash Rewards Program) Full 5%Cashb«k Bonus on Gat More purchases in popular categories throughout the yeor and up l0 1 %Cashb«k Bonvs on all your other purchases. How Can We Hel You? P 1- Visit Discover.com fo 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 ' For TDD (assistance for hearing impairod) see revere aide 3. Write uz at Discover Cord, PO Box 30943, Sah Laka City, UT 84130 Transactions $0 Fraud Liabiliy Guaran tee Use your Discover Card with confidence. Trans. Post Date Data • Payments and Credits Mar 7 Mar 7 PAYMENT -THANK YOU $ -350.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Role is subject to the terms of the offer including expiration. 'Finance Charge Summary Average Doily Nominal Trans«tion ANNUAL ANNUAL Periodic Fee Daily Periodic of nces Rotes PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current biNing period; 28 days Purchases SO 0.04792% 17.49% V 17.49% SO SO .Cash Advances SO 0.05614% 20.49% V 20.49% SO SO Bala«s Transfers 57045.29 0.01342% 4.90% F 4.90% 526.46 $0 The rotas that apply to your Account are either fixed (F) a they may vary (V) as noted above. Starting March 25 visit Discovereard.eom or mll 1.800-DISCOVER (1-800-347-2683) to sign up For our next Get More ~+ Nsw Babnca Minimum Payment Dw~ Account Number ending in 6060 DISC~~VER' $6,637.23 $133.00 ~_J Enter Amount Enclosed Bebw CARD -- Payment Due Dale $ May 17, 2006 please make check gyaable to Discover Platinum Card or pay online ~Discovercard.com. 18 SDSN8A010003555 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, email or telephone change2 Print change in space above, or go to Discover.com. Print your e-mail address fo receive important Account information and special offers. WiR your payment gel to us on timeit Pay your bill online and your payment can tse mods to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 I~Irrrl~rrrrn~~~rr6ur~~~ CHARLOTTE NC 28272-1084 ~u~r~~n~ur~r~~nr~u~i~nr~~~~ur~n~u~n~~u~u~u~r~u~~ OD0001986458784216331066372300250000013300 Discover Platinum Card Account Summary Closing Data: April 18, 2006 page 1 of 1 ~Accountnumberandingin 6060 Previous Balance $6,858.84 Payment Due Date May 17, 2006 Paymenh And Credits - 250.00 Minimum Payment Due $133.00 Purchases + 0.00 CradBlimit $7,700.00 Cash Advances + 0.00 CreditAvailoble $1,062.00 Balance Transfers + 0.00 :Cash Credit Limit $3,900.00 finance Char ems _ + 28.39 Cash Credit Available $1,062.00 New Balance _ $6,637.23 You may be able ro avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashb«k Bonua Balance S 0.00 New Cashback Bonus This Period + 0,00 ;Cashback Bonus® Anniversary Date: July 18 i 'Cashback BonuslR) is America's # 1 Cosh ;RewordsPrcrgraml Fu115%Cash6ockBonus 'on Gel More purchases in popular categories throughout the year and up to 1 %Cashback Bonus on all your other purchases. Cashback Bonus Balance 0.00 How Can We Hel YOU 1 • Visit Discavsr.com to pay your bill for no cost, view ur p latest Aecourd information, earn and redeem rewardsoand more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2663) for fast, cosy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager ,For TDD aasisronee for hearin 3. Write us of Dixover Card, PO Box 30943, I g impaired) see reverse side Sah Lake Ciy, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Dab Paymenh and CradBs Apr 13 Apr 13 PAYMENT -THANK YOU $ -250.00 'Information For You Balance Transler offer For current billing period: Daily Per iodic Rate: 0.05477°.e; corcesponding ANNUAL PERCENTAGE ,RATE: 19.99%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal ANNUAL Transaction ANNUAL Periodic Fee Deity Periodic I aces Roles PERCENTAGE RATES PERCENTAGE FINANCE FINANCE RATES CHARGES CHARGES current biking period: 31 days Purchases $0 0.04860% 17.74% V 17.74% $0 $0 Cash Advances $0 0.05682% 20.74% V 20.74% $0 $0 Balance Transfers 56824.26 0.01342% 4.90% F 4.90% 528.39 $0 The roles that apply to your Account are either fixed IF) or They may vary M as noted above. Manage your account your way -whether you prefer to speak with a live person or manage things on your own, DiscoverlR) Nsw Balance !Minimum Paymsnf Due DISCI' =AVER' s6,n3.67 I $285.00 CARD --~'- -'---- Payment Due Date June 17, 2006 78 SDSNBA010003556 TRAN, SANDRA P 219 5 18TH ST ! 2 CAMP HILL PA 17011-5514 Account Number ending in 6060 Enter Amount Encbsad Below ~~~ Please make check payable to Dixover PlMinum Card. Minimum payment due includes a past due amount of $133.00. WiN your payment get ro us on fimsZ Pay your bill online and your payment can be made ro your account on the some day. Visit Discover.com/payments today. PO BOX 71084 Illrrrllrsrrrriilrrlrrrr CHARLOTTE NC 28272-1084 Address,a-mail or telephonechangs?!Printchangainspaee j~~(;~jj~~l~t~j~jj~s~liijrltnllll~irli~li~j~~lj~~li~ji~j~jiijj above, or go to Discover.tom. Print your e-mail address to receive important Aeeount information and special offers. 000001986458784216331067736700000000028500 Discover Platinum Card Account Summary Closing Dote: May 18, 2006 page 1 of 2 Account number ending in 6060 Previous Balance $6,637.23 Payment Due Date June 17, 2006 Payments And Credits - 0.00 Minimum Payment Due $285.00 Purchases + 39.00 Credit limit $7,700.00 Cash Advances + 0.00 Credit Available $926.00 Balance Transfers + 0.00 Cash Credit limit $3,900.00 Finance Charge ss + 97.44 Cash Credit Available $926.00 New Balance $6,773.67 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 Cashback Bonus99 Anniversary Dare: Jvly 18 Cashback Bonus Balance 0.00 How Can We Help You? It's your choice - 3 ways to help Pbass have your Dixover Card available. For TDD (assistance For hearing impaired] see reverse side 1. Visit Discovsr.com to pay your bill ter no cost, view ovr latest Account information, earn and redeem rewardi and more 2. Call 1-B00-DISCOVER j347.2683) For Fast, easy sel6service options or to speak with a Customer Ssrviee Aeeount Manager 3. Write us at Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Dab Other/Mixsllaneous May 18 May 18 FATE FEE $ 39.00 Information For You Whits we are permiMed under the Cardmem6er Agreement to increase the APRs on your Account because your payment was late, wa have chosen not to do so at this time. Wa have terminated, however, any introductory or promotional rate on :purchases and any special balance hansfer rate, and applied the standard APR For purchases to your outstanding balance of purchases and balance transfers. However, we reserve dse right fo increase the APRs on your Account iF you Fail to pay the " minimum'payment due by the payment due daie. See fha DeFaull Rate Plan section of the Cardmem6er Agreement for details. Balance Transfer offer For current billing period: Daily Periodic Rafe: 0.04860%; corresponding ANNUAL PERCENTAGE ' RATE: 17.74%. Rate is subject to the terms of the offer including expiwtion. """' ATTENTION ""•`• ATTENTION "'*"` ATTENTION ••*`•'* ATTENTION •"•"• ATTENTION •""" Your account is past due. Please pay the past due amount now, or contact us to make other ormngements. DISCS ~~VER CARD II pays ro TRAN, SANDRA P ~~$C' ~~VER_ Account number ending in 6060 Ranked "1 in Customer Loyalty- for 12 years in a row! "I've never been so impressed with a company that has looked out for my well-being with timely reminders, poperless statements and even a telephone call when something looks suspicious. Your service levels ore unprecedented in the industry. You've got a customer in me for life." James T. -Cleveland, Ohio _ Experience it for yourself of Discovercom ~ ~ 'ACmrdfig m dK 2009 &onJ K"yr Cuswnar loyoly Entcgsma„ Imbc R.pon 03400V ascow. Bonk, Meniher fDIC > Dosing Date: May 18, 2006 page 2 of 2 Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE of nce Rates RATES RATES CHARGES CHARGES current biding period: 30 days Purchases SO 0.04860% 17.74% V 17.74X SO SO Cash Advances SO 0.05682% 20.74X V 20.74X f0 EO Balance Transfers 56684.21 0.0486096 17.74% V 17.74% 597.44 SO The rates that apply fo your Account are either fixed (F) or they may vory M as noted above. Finance Charge Summary QUeStlOns~ Manage your account at Discover.corn or ,,,.II 7_onn_nsvnvco n onn o ~~ ~<n~, CC `, New Balance Minimum PaymaM Due Account Number ending in 6060 DIJ~r.. ,i Y ER~ 66,576.46 $130.00 Enter Amount Encbsed Below cnao Payment Due Dale $ July 17, 2006 please make cheek payabls to Dixover Platinum Card or pay online ®Discovercard.com. 1B SDSN6A010003557 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, e-mail or telephone ehange0 Print change in spate above, or go to Dixovsr.com. Print your email address to receive important Account information and special offers. WiN your payment get to us on fimei Pay your rll online and your payment can be made ro your xrnunl on the same day. Visit Discover.cam/payments today. PO BOX 71084 IILrdLrrr,rllLrlrrrrlll CHARLOTTE NC 28272-1084 IrrLILJrrr611rrrlrrLLrdllLrdrrLrLJlrrlrrLrldrrll 000001986458784216331065764600300000013000 Discover Platinum Card Account Summary Closing Data: June 18, 2006 page 1 of 1 . Account number ending in 6060 Previous Baance x6,773.67 Payment Due Date July 17, 2006 Paymenh And Credits - 300.00 Minimum Payment Due 5130.00 Purchases + 0.00 Credit limit 57,700.00 Cash Advances + 0.00 Credit Available $1,123.00 Balance Transfers + 0.00 Cash Credit limit $3,900.00 Finance Charges _ + 102.79 Cash Credit Available 51,123.00 New Balance 56,576.46 You maybe able to avoid Periodic Fi nance Charges, zee the ' reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance : O.oo Naw Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ D.00 '~ Cashback Bonus® Anniversary Date: July 18 Cashback Bonus(R) is America's Ill Cash ~ Rewards Program) Full S%Cashback Bonus on Gel Mors purchases in popular calsgones throughout the year and up to 1 %Cashback Bonus on all your other purchases. How Can We Hel You? P 1. Visit Dixevercem to pay year bbl for no cost, view your t t A l t f d It's your choice - 3 ways to help a es ccoun in ormation, earn an redeem rewards and more 2. Call 1-BOaascOVER (347.2683) for fast, easy self•service Please have your Discover Card available. options or ro speak with a Customer Service Account Manager For TDD (assistance For hearing impairod) sea reverse side 3. Write us at Dixover Card, PO Box 30943, Sah take Cily, UT 64130 'Transactions $0 Fraud Liability Guaran tee Use your Dixover Card with confidence. Trans. Post Date DaN Payments and Credits Jun 9 Jun 9 PAYMENT -THANK YOU $ .3pp,00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE aB lances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases 56727.00 0.04929% 17.99% V 17.99% 5102.79 $0 'Cash Advances SO 0.05751 % 20.99% V 20.99% $0 $0 Ths rotes that apply to your Account are either fixed (F) or they may vary (V) as noted above. Get set For Poll. Get 5%Cashback Bonus(R). Use your Card July to September,at~ ap, Kohl's, Marshalls(R), TJ.Maxx(R), ~`/(/~'~ New Balance Minimum Payment Due Aceounf Number ending in 6060 D'J~r.`..iVER~ $6,714.77 $284.00 _~ Enter Amount Enclosed Below CARD - - Payment Due Date August 17, 2006 please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $130.00. 1B SDSNBA01 0003558 TRAN , SANDRA P Will your payment get to us on timeF Poy 219 5 18TH ST # 2 your bill online and your payment can be made to your account on the soma day. Viso CAMP HILL PA 17011-5514 Discover.cam/payments today. PO BOX 71084 ~~~ssr~~rrrrrr~~~rs~ssrr~~~ CHARLOTTE NC 28272-1084 Address, email or telephone change8 Print change in space Irrl~~Irrlr~rlrl~ rr'~il'r tllllr ~I~ Irrlri~l~~lrr~rr~r~rr~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0001701986458784216331067147700000~00~284~0 Discover Platinum Card Account Summary Closing Date: July 18, 2006 pogo 1 of 2 ~Accounf number ending in 6060 Previous Balance $6,57646 Payment Due Date August 17, 2006 Payments And Credits 0,00 Minimum Payment Dua $284.00 Purchases + 39.00 Credit Limit $7,700.00 Cash Advoncu + 0.00 Credd Available $985.00 Balance Transkrs + 0.00 Cash Credit Limit $3,900.00 Finance Charges _-__ + 99.31 Cash Credit Available $965.00 New Balance $6,714.77 You maybe able to avoid Periodic Finance Charges, see Ilse reverse side For details. Cashback Bonus® Opening Cashb«k Bonus Balance $ O.oo New Cashbaek Bonus This Period + 0.00 Cashb«k Bonus Balance $ 0,00 ;Cashbock Bonus® Anniversary Date: July 18 ~ How Can We Help You? 1. Visit Dixovsrcom M our bi0 For no cost, view r latest Account informmionyearn and redeem rewords and moro :It's your choice - 3 ways to help 2. Call 1.804DfSCOVER (347.2683( for fast, easy selF•serviw 'Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3 For TDD (assistance For hearing impaired( sea reverse side . Write us at Discover Card PO Box 30943, Sah Laka City, UT 84130 Transactions $0 Fraud Liability Guaranies Use your Dixover Card with confidence. Trans. Post Dah Dare Olhsr/Miscellaneous Jul 18 Jul 18 LATE FEE $ 39.00 Information For You While we are permitled 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, arty introductory or promotional rate on ;purchases and any special balance transkr role, and applied the standard APR For purchases to your outstanding balance of purchases and balance transkn. 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 DeFauh Rate Plan section of the Cardmember Agreement for details. Balance Transkr offer For currant billing period: Daily Periodic Rate: 0.04997%; corresponding ANNUAL PERCENTAGE RATE: 18.24%. Rate is sub(ect fo the terms of the oFkr including expiration. """• ATTENTION ""••• ATTENTION "'•"' ATTENTION `••"" ATTENTION ""••' ATTENTION """` Your account is past due. Pease pay the past due amount now, or contact us to make other artangemsnh. Slap confidently. Your Diatover(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 adiviy occurs. And if someone makes fraudulent 'charges with your card, our $0 fraud liability guarantee means you're not responsible. p It payspeys t~ DISG~.: ~VER L DISC'.: VER' TRAN, SANDRA P Acmunf number ending in 6060 CARD - Ranked #1 in Customer Loyalty- for 12 years in a row! "I've never been so impressed with a comparry that has ksoked out for my well-being with timely reminders, paperkss statements and even a telephone call when something looks suspicious. Your service levels ore unprecedented in the industry. Yau've gof a customer in me for life." ~ ~ James T. , -Clevehnd, Ohio Experience it for yourself of Discovercom 1:.~ 'Accad'mg b dN 7009 B and Kyr CurwMr toyoty Erprgnnsnl Inr6. Report ~..~ f + - R~7n09 Discover Bnnk, Mamba FDIC __.. . , Closing Date: July 18, 2006 page 2 of 2 Finance Charge Summary Nominal TransaNion Average Daily ANNUAL ANNUAL Periodic Pee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE as s Rates RATES RATES CHARGES CHARGES current bitling period: 30 days Purchases 56624.34 0.04997% 18.24% V 18.24% 599.31 EO Cash Advances SO 0.05819% 21.24% V 21.24% EO SO The rates that apply to your Account are either fixed (F) or they may vary IVI as noted above. QUeStianS? Manage your account at Discover.com or ... ,.,...r........,..., ,, ,,,,,,,,,,,,,,,,,,, ~„ , New Balance Minimum Paymenf Due Account Number ending in 6060 DISCS %VER• 56,859.57 5443.00 I Enter Amount Enclosed Below CARD - J Payment Due Date September 17, 2006 please make check payable to Diuovsr Platinum Card. Minimum payment due includes a past due amount of 5284.00. 78 SDSN6A01 0003559 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP NILL PA 17011-5514 Address, o-mail or telephone change? Print change in space above, or go to Discover.com. Print your o-mail address to receive important Account information and special offers. Will your payment get to us on time$ Pay your bill online and your payment can be made to your account on the some day. Visit Discover.com/payTrrenfs today. PO BOX 71084 Illrrrllrrrrrrlllrrlsrrrlll CHARLOTTE NC 28272-1084 LJrIIrrlrrJ~ILrrlyd~I~rrIIllrr~LJrrI~~ILrLrlrrLlrrll 000001986458784216331068585700000000044300 Discover Platinum Card Account Summary Closing Dats: August 18, 2006 page 1 of 2 Account number ending in 6060 Previous Balance 56,714.77 Payment Due Dafe September 17, 2006 Payments And Credits 0,00 Minimum Payment Due 5443.00 Purchases + 39.00 Credit limit 57,700.00 Cash Advances + 0.00 Credit Available 5841.00 Balance Transfers + 0.00 Cash Credit Limit 53,900.00 ftinancs Char#es + 104.80 Cash Credit Available 5841.00 ___ New Balance 56,658.57 You may be able fo avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance S 0.00 New Cashback Bonus This Period + O,Qp Cashback Bonus Balance S 0.00 Cashback Bonus® Anniversary ~ - Date: July 18 How Can We Hel YOU? 1 • Visit Dixovercem to pay your 671 For ne cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-SOaDISCOVER 1347-26831 for Fosf, easy self-service options or to speak with a Customer Serviee Account Manager Please have your Divover Card available. 3. Wr7e us of Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired] see reverse side Salt Laks Cily, UT 8d 130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Daro OIMr/Miusllaneous Aug 18 Aug 18 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 Iola, we have chosen not ro do so at this time. We have terminated, however, any introductory or promotional role on purchases and any special balance Transfer role, and applied the standard APR For pwchosas to yaw outstanding balance of purchases and balance transfers. However, we reserve the right b increase the APRs on your Account iF you Fail to pay the 'minimum payment due by the payment due date. Sea the DeFauh Rate Plan section of the Cardmember Agreement For details. Balance Transkr offer For current billing period: Daily Periodic Role: 0.04997;6; corresponding ANNUAL PERCENTAGE .RATE: 18.24,°'.. Role is subject to the terms of the offer including expiration. """' ATTENTION """' ATTENTION """' ATTENTION ""'*' ATTENTION "'•"` ATTENTION "':"•"` We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. Save time and a slump this monlFt by paying your bill online at Discovercard.com. Make a ono-time payment w schedule ~paymants in advance up fo your due date, whenever it's most convenient For you. To Find out about our free and flexible online payment katvres, visit Discovercard.com/payments It pays to DISC,:~.~VER DISC"" VER' CARD Ranked #1 in Customer Loyalty- for 12 years in a row! "I've never been so impressed with a company that has looked out for my wellbeing with timely reminders, poperless stotemenis and even a telephone mll when something looks suspicious. Your service levels ure unprecedented in the industry. You've gal a customer in me {or life." James T. -Cleveland, Ohio Experience it For yourself at Discoveccom 'ACCadirg ro the 4009 Band Keyr Cusbnw lnruly Ergopenm~l hvkx ReFnrl &17009 D~scara honk, Manl>or FDK: TRAN, SANDRA P Account number ending in 6060 ~k Closing Date: August 18, 2006 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fae Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE BaWnces sloe RATES RATES CHARGES CHARGES current billing period: 31 days Purchases 56765.35 0.04997X 16.24% V 18.24% 5104.80 SO Cash Advances EO 0.05819% 21.24% V 21.24% SO SO Ths rates that apply to your Account are either Fixed IFI or they may vary Ni as noted above. QUeStlOnS? Manage your account at Discover.com or ...II 1 nnn nlr["A\rrn Il nnn n /7 n[ nn1 Nsw Balance Minimum Payment Du~ Account Number ending in 6060 DISC~:~VER' S7,DD4.61 5605.00 Enter Amount Enclosed Below CARD ---- ~~ Payment Due Date October 17, 2006 Please make check payabb fo Discover Platinum Card. Minimum payment due includes a past due amount of 5443.00. 18 SDSN6A01 0003560 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Will your payment get fo us on time? Pay your bill online and your payment can bs made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 ~~~rrr~~rrrrrr~~ ~rr~rrrr~~~ CHARLOTTE NC 28272-1084 Address,a-mail or telephone change?Print change in space ~rr~r~~rr~rrr~r~~rrr~rr~r~rrr~~~~rrr~rr~rr~r ~~ ~ ~ ~ ~ ~~ above, or go to Dixover.com. Print your e-mail address to r rr rr rr r rr receive important Account information and spacial offers. 000001986458784216331070046 10000~0~0060500 Discover Platinum Card Account Summary Closing Date: September 18, 2006 page 1 of 2 Account number ending in 6060 Previous Balance 56,858.57 Payment Due Dote Cklober 17, 2006 Payments And Credits - 0.00 Minimum Payment Due 5605.00 Purchases + 39.00 Credh limit 57,700.00 Cash Advances + 0.00 Credit Available 5695.00 Balance Transfers + 0.00 :Cash Credit Limit 53,900.00 Finan_cs Chargas_ + 107.04 Cash Credit Available 5695.00 _____ New Balance 57,004.61 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonuz Balance s 0.00 New Cashback Bonus This Period + 0.00 '.Cashback Bonus® Anniversary Date: July 18 Cashback Bonus Balance 0.00 How Can We Hel YOU? 1. Visit Discowr.com to pay your bill for no cost, view ywr 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 Dixover Card available. 3. Write us al Dixover Card, PO Box 30943, For TDD lassistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence. Trans. Post Dale Dale Other/Mizcellaneous Sep 18 Sep 18 LATE FEE $ 39.00 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation form For your Scheduled Air 'Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, ,Suits 2100, Chicago, Illinois 60606b613. • While we are permitted under the Cardmember Agreement to incroase the APRs on your Account because your payment was bte, vro have chosen not to do so at this time. We have terminated, however, any introductory or promotional role on :purchases and arty special balance transfer rate, and applied the standard APR For purchases to your outstanding balance of purchases and baance transfers. However, we reserve the right to increase the APRs on your Account iF you fail to pay fhe minimum payment due by the payment due date. See the DeFauh Rafe Plan section of the Cardmember Agreement for details. •'"'•" ATTEMION •'•'••' ATTENTION '••`•" ATTENTION •••"•' ATTENTION •"••'• ATTENTION ""• • `Your account is seriously past due. Payment of fhe amount due and arrangements For Future paymenh should be made immediately. ~+/~ II pot's to TRAN, SANDRA P DISC : %VER' ~sc: ~ vEa Account number ending in 6060 CARD Ranked #1 in Customer Loyalty- for 12 years in a row! "I've never been so impressed with a company that has looked out for my well-being with timely reminders, paperless statements and even a telephone call when something looks suspicious. Your service levels ore unprecedented in the industry. You've got o customer in me for tile." Mmes T. -Cleveland, Ohio Experience it for yourself at Discowrcom 'AttarJi~g b dw 7009 enxd Kays Cosbnar Layuly En0a0enxnl Indrx Rapon X7009 Dlscovar Bm4, Meinlxa FDIC Closing Date: September 1 S, 2006 page 2 of 2 Finance Charge Summary Nominal Transaction Awrogs Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bahnces Rates RATES RATES CHARGES CHARGES cvnent billing period: 31 days Purchases 56910.23 0.04997% 18.24% V 18.24% 5107.04 SO Cash Advances SO 0.05819% 21.24% V 21.24% SO EO The roles that apply to your Aecounf ore either Fixed )f) or Ihey may vary (V) as noted above. QUeStlOnS~ Manage your account of Discover.com or New Balance DISC~NER $7,149.38 Minimum Payment Due Aceount Number ending in 6060 5765.00 ~ Enter Amount Enclosed Below CARD _ ~I Payment Due DWe g November 17, 2006 please make check payable to Discover Phtinum Card. Minimum payment due includes a past due amount of 1605.00. 18 SDSNBA010003561 TRAN, SANDRA P Will your payment get to us on lime$ Pay 219 S 18TH ST R 2 your tll online and your payment can be mode to your account on the same day. Visit CAMP HILL PA 17011-5514 Discover.eom/paymentstodoy. PO BOX 71064 ~~~rn~~nuu~~~u~rws~~~ CHARLOTTE NC 28272-1084 Address,o-mailortelephonechange$PriMchange inspace ~rr~r~~rr~rrr~i~~rrr~rr~i~rri~~~~rri~ri~ir~rr~~ii~rr~rr~r~r ~~ r above, or go ro Diacover.com. Print your o-mall address to receive important Account information and special offers. 0000019864587842163310714938DD000000076500 Discover Platinum Card Account Summary Closing Dale: October 1 B, 2006 page 1 of 2 Account number ending in 6060 Previous Baance (7,004.61 Payment Dua Dale November 17, 2006 Payments And Credits 0.00 Minimum Payment Due 6765.00 Purchases + 39.00 credtt emir 67,700.00 cash Advances + o.oo Credit Available 6550.00 Balance Transfers + 0.00 Caah Credit Limit 63,900.00 Finance Char~ss + 105.77 Cash Credit Available 6550.00 _ New Balance 67,149.38 You maybe able ro avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balorxe 6 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Date: July 18 Cashback Bonus Balance 0.00 How Can We Hel YOU? 1. Visit Discowrcom to pay your bRl for no cost, view ur P latest Account information, earn and redeem rewardioand 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 Serviee 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 slds Salt lake City, l1T 84130 Transactions $0 Fraud Liability Guarantee Usa your Discover Card with confidence, Trans. Post Date Date Other/Miscellaneous Oct 18 Od 18 IATE FEE $ 39.00 Information For You The address provided in your Cardmember Agreement to request a 6eneRtiary designation Form For your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Heahh Division, 300 South Riverside Plaza, .Suite 2100, Chicago, Illinois 60606.6613. Whib 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 fo pay the •mmimum payment due by the payment due date. See the Default Rale Plan section of the Cardmember Agreement for detaib. """` ATTENTION """' ATTENTION "'•"` ATTENTION """' ATTENTION """• ATTENTION """` Your account is seriously past due. Payment of the amount due and arrangements for future payments should be mode immediately. It pays b DISC AVER DISC: VER' CARD Ranked #1 in Customer Loyalty- for 12 years in a row! "I've never been so impressed with a company that has looked out For my well-being with fimely reminders, paperless statements and even a tekzphone call when something boks suspicious. Your service levels are unprecedenkd in the industry. You've got a customer in me for life." lames T. -Cleveland, Ohio Experience if For yourself a1 Discovuwm 'Aaard'eg b Rw 2009 Brad Ksys Cunpnnr Egdy Enprgamed Mds^ Report p20D9 Diamvw eonE, A4errber FDIC TRAN, SANDRA P Account number ending in 6060 ~~. _ E.- ~` t ~ _..---- r -~_ .~ ~ Closing Date: October 18, 2006 page 2 of 2 Finance Charge Summary Nominal Transaction Average pony ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ale es Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases 57055.60 0.04997% 18.24% V 18.24% 5105.77 SO Cash Advances SO 0.05819% 21.24% V 21.24°ro SO SO The rates that apply to your Account are eilFrer fixed (F) or They may vary (V) az noted above. QUeStlOE15? Manage your account at Discover.com or `, Nsw Balance Minimum Payment Due Account Number ending in 6060 D'S~.r~~ Y ER $7,299.96 $931.00 Enter Amount Enclosed Below CARD Payment Due Date $ December 17. 2006 18 SDSN8A01 0003582 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Will your payment get to us on timeY Pay your bill online and your payment can bs made to your account on the same day. Viait Discover.com/payments today. PO BOX 71084 lllrrrllrsrrrrl~~rrlrrrr CHARLOTTE NC 28272-1084 Address,o-mailortelephonaehangs?Print change inspoce ~rr~r~~rr~rrr~i~lrrr~rr~r~rrr~~~~iir~rr~rr~rrllirlrrlrr~r~rr~~ above, or go ro Discover.com. Print your o-mail address to r«e'rve important Aceount information and special offers. 000001986458784216331072999600000000093100 Discover Platinum Card Account Summary Closing Date: November 18, 2006 page 1 of 1 • Account number ending in 6060 Previous Balance 57,149.38 Payment Due Dafs December 17, 2006 Payments And Credits - 0.00 Minimum Payment Due 5931.00 Purchases + 39.00 Credit limit 57,700.00 Cash Advances + 0.00 Credit Avaikbk 50.00 Balance Transfers + 0.00 :Cash Credit Umit 53,900.00 Finance Charges + 111.58 Cash CredB Available 50.00 _ New Balance ___ _ 57,299.96 Cashback Bonus® Opening Cashback Bonus Balance S O.oo New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 0.00 ;Cashback Bonus® Anniversary Date: July 18 How Can We Hel You? p 1. Visit Discowrcom to pay your biN ter no cost, view ur latest Account information, earn and redeem rewardzoand more 'It's your choice - 3 ways to help 2. Coll 1-BOQDISCOVER 1347.2683) for fast, easy selfxrvice Please have your Dixover Card availabb. options or ro speak with a Customer Service Account Manager 3. Writs us aF Dixover Card, PO Box 30943 For TDD lassistance for hearing impairsdl see reverse side , Safi Lake Cify, UT 84130 Transactions $0 fraud Liability GuaranMe Use your Dixover Card with confidence. Trans. Post • Dab Dale Ollssr/Miscellaneous Nov 1 B Nov 1 B IATE FEE $ 39.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fae Daily Periodic PERCENTAGE PERCENTAGE FINANCE FWANCE Balances Rates RATES RATES CHARGES CHARGES currerd billing period: 31 days Purchases 57203.23 0.049975: 18.24,°'. V 18.24Y 5111.58 SO CashAdva«es SO 0.05819% 21.24% V 21.24% SO SO .The roles that apply fo your Account are eilhar fixed 1F1 or they may vary 1V) as noted above. New Babnce Minimum Payment Due DISCI: AVER 57,449.19 s,,096.OD CAQD --- Paymant Due Dale January 17, 2007 18 SDSN8A01 0003583 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Account Number ending in 6060 E}nter Amount Encbsed Below J Will your payment gel ro us on time? Pay your biR online and your payment can be made ro your oecount on the same day. Visit Discover.eom/payments today. PO HOX 71084 (((rrr~(rrrrrr((~rrlrrrr CHARLOTTE NC 28272-1084 Address,e•mailorlelephonechangsYPrintchongeinspace ~~~~~(~~~(~~~(~((rrr(ri~i~irr((I(rrr(rr(ir(ri((ir(rr(rililir(I above, or go to Dixover.com. Print your e-mail address to receive important Account information and special oFFers. 000001986458784216331074491900000000109600 Discover Platinum Card Account Summary Closing Date: December 18, 2006 page 1 of 1 Account number ending in 6060 Previous Balance $7,299.96 Payment Due Date January 17, 2007 Payments And Credits 0.00 Minimum Payment Due $1,096.00 Purchases + 39.00 Credit Limit 57,700.00 Cash Advances + 0.00 Credit Available 50.00 Balance Tronsfers + 0.00 Cash Credit Umit $3,900.00 Finance Char .s _ + 110.23 Cash CredR Available $0.00 New Balance $7,449.19 Cashback Bonus° Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Benus® Anniversary Date: July 18 How Can We Help You? 1 • Visit Dittev.r.eom ro pay your bill For no cost, vi.w your latest Account information, eam and redeem rewards and more It's your choice - 3 ways to help Pleose have your Discover Card available. For TDD (assistance For hearing impaired) see reverse side 2. Coll 1-8oo.aSCOVER (347.2683( For Fasl, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Dixover Card, PO Box 30943, SoN Lake City, UT 84130 Transactions SO Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale DaN Other/MittsOansous Dec 18 Dec 18 LATE FEE ~ 39.00 Finance Charge Summary Nominol TransaNion Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE flNANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases 57353.11 0.04997% 18.24% V 18.24% $110.23 $0 'Cash Advances $0 0.05819% 21.24 ie V 21.24% $0 SO ;The rates that apply ro your Account are either Fixed (F( or they may vary M as nded above. `/'J~r~._osVER New Babnce I Minimum Payment Due Account Numb.r ending in 6060 J $7,604.45 $1,267.00 Enter Amount Enclosed Below CARD - PaymeM Due Date February 17, 2007 please make check paya6ls to Discover Pbtinum Card. Minimum ppaayyment due includes a past due amount of 61,09b.00. 1 B SDSN6A01 0003564 TRAN, SANDRA P 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 Address, email 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 o0ers. Will your payment gel to us on time? Pay your bill online and your payment can be mods to your account on the same day. Visit Dizcover.com/payments today. PO BOX 71084 Illrsrllrrrrrrlllsrlsrrrlll CHARLOTTE NC 28272-1084 ~ulrllulurlrllin~ulrlinlll~ruln~ulu~lnlrrlulrlull 000001986458784216331076D445D00000001267DD Discover Platinum Card Account Summary Closing Date: January 18, 2007 page 1 of 1 Account number ending in 6060 Previous Balance 67,449.19 Payment Due Dats fabruary 17, 2007 Payments And Credits - 0.00 Minimum Payment Due 61,267.00 Purchases + 39.00 Credit Limit 67,700.00 Cash Advances + 0.00 Credit Available 60.00 Balance Transfers + 0.00 Cash Credit Limit 63,900.00 Finance Charges + 116.26 Cash Credit Available 60.00 _ ___ New Balance _ 67,604.45 You maybe able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashbxk Bonus Balance S 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance 6 0.00 Cashbook Bonus® Annivaisary Dare: July 18 How Can We Hel YaU? p l . Visit Dixovar.com to pay your bRl for no test, view ur latest Account information, cam and redeem rswardsoand more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service Please have your Dixover Card avaibbb. options or ro speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) sae reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence. Trans. Post Dots Dab Other/Miscellaneous Jan 16 tan 16 IATE FEE g 3q,00 Information For You While ws are permiMad under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not fo do so at this time. We have terminated, however, any introductory or promotional tale on purchases and any special balance transfer rote, and applied the standard APR For purchases fo your outstanding babnce of purchases and balance Transfers. However, we reserve the right to increase iha APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Uefauh Rafe Plan section of the Cardmember Agreement for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE al es Rates RATES RATES CHARGES CHARGES curcent biAing period: 31 days Purchases 67505.30 0.04997% 18.24% V 18.24% 6116.26 60 ',Cash Advances 60 0.0581990 21.24% V 21.24% 60 SO The rates that apply to your Account are either fixed (F) or they may vary N) as noted above. Nave Balance Minimum Payment Due Account Number ending in 6060 DISCOVER 57,604.45 51,267.00 Enter Amount Enclosed Below CARD _ Payment Due Dale $ ''' 1-' February 17, 2007 Please make check payable to Discover Platinum Card. Minimum ppaayymment due includes a past due amount of s1,09b.00. 18 SDSNfiA010000991 SANDRA TRAN 219 S 18TH ST # 2 CAMP HILL PA 17011-5514 WiR your payment get to us on time? Pay your iR online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 71084 Illrrrllrrrrrslllrrlsrrr CHARLOTTE NC 28272-1084 Address, o-mail ortekphone change? Print change in space (~~~~Ilirlrrrli~~rrrlrr~ilrrrllllrirlrrlrr~r~llrrlrrliilrlirll above, or go to Dixover.com. Print your email address to receive important Account information and special offers. 000001986458784216331076044500000000126700 Discover Platinum Card Account Summary Closing Date: January 18, 2007 pogo 1 of 1 Account number ending in 6060 Previous Balance 57,449.19 Payment Due Date February 17, 2007 Payments And Credits - 0.00 MinimumPaymeMDue $1,267.00 Purchases + 39.00 Credit Limit 57,700.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cosh Credit Umit 53,900.00 Finance Charges _ __ _ + 116.26 Cash Credit Available 50.00 New Balance = 57,604.45 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance S 0.00 New Cashback Bonuz This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus®'Anniversary ~ - Date: July 18 How Can We Help You? 1. Visit Dissowr.com to pay your bit for no cost, view r latest Account information, earn and redeem rewardand more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683] for fast, nosy self-service options or to speak with a Customer Service Account Manager Please have your Dixover Card available. 3. Write us at Dixover Card, PO Box 30943, For TDD (assistance For hearing impaired( see reverse side Salt lake City, UT 84130 Transactions SO Fraud Liabiliy Guarantee Use your Discover Card with confidence. Trans. Post Date Deb Other/MiscsBansaus Jan 18 Jan 18 LATE FEE $ 39.00 Information For You While we ore permiBed under the Cardmamber Agreement to increase the APRs on your Account because your payment was tale, we have chosen not to do so at This time. We have terminated, however, any inhoduclory or promotional rate on purchases and arty special balance lransFer role, and applied tM standard APR For purchaaes to your outstanding balance of purchosea and balance IansFers. However, we reserve the right to increase Iha APRs on your Account iF you Fail to pay the minimum p6yrnenf due by the payment due~dcte. -See the DeFault Role Pldn secliiin of tF» CardmemberAgreemenl frig details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current biAirg period: 31 days Purchases 57505.30 0.04997% 18.24% V 18.24% S 116.26 SO Cash Advances SO 0.05819°e 21.24% V 21.24% SO SO The rates that apply to your Account ors either Fixed (F) or they may vary (Vf as noted above. DISCOVER IMPORTANT INFORMATION ABOUT YOUR DiSCOVER® PLATINUM CARD ACCOUNT CARDMEMBER AGREEMENT The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbltiation provision with respell to your new Account within 30 days after receiving your Card, as explained in the "Acceptance of Agreement and Right to Reject Arbitration" section. SEE PAGES 1 - 12 PRIVACY POLICY A summary of the personal information we collect, when R may be shared with others, and haw we safeguard the confidentiality and security of information. You may limit our sharing of such information with others .........SEE PAGES 13 - 16 BIU.ING RIGHTS Important information about your rights and our responsibilities under the Fair Credit Billing Ad .... . ..............................SEE PAGES 16-17 DESCRIPTION OF COVERAGE 't'he terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile .....SEE PAGES 17 - 23 ®2008 Discover Bank, Member FDIC P314001.0406TLt 7 IXHIBIT y CARDIIiAEMBER AGREEMENT Please read this Agr meet carefully before using yarn Discover' Card Account K wntains terms and conditions of your Account, some of which may have cha ell from earlier materiab provided to you. In the evert of any d'ifferen ,this Agreement shall control. tiye respell your priv ry See the Privacy Section on page 9 still our Privacy Policy for adds feral information. Tire Arbitration of Di ales Section on page tt indudet a waiver of a number of d~hts, i ding the right to a jury trial. Acceptance of Agree- ment and Rrght to R ell Arbitration settron on page 2 describes the procedure you must Ilow if you desire to reject the Arbitration of Disputes Section. CARDMEMBER AGREE ENT Agreement Terms ... ....................................... i Acceptance of Agree nt and Right to Reject Arbitratron . .............. . ....................... 2 Use of Your Account . ....................................... Z Authorized Users ........................................... 3 Unauthorized Use... ................................. 3 Credit Limk-Available Credit .................................. 3 Promise to Pay ...... ...................................... 4 Monthly Billing Stat nt . ........................... . ....... 4 Monthly Payment Op ns .................... . ...... 4 Minimum Monthly Pa ent ................. . ................. 4 Credit 6alanax ............................................. 5 Balance Transfers ............................................ 5 Periodic Finance Char s ..................................... 5 Default Rate Plan .......... .............................7 ._... Cash Advance Transa 'on Fee Finance Charges ................... 7 Balance TransferTra lion Fee Fnance Charges ................. 7 Minimum Finance Ch rge ..................................... 8 Late Fee . ........ ........................................8 .8 Overlimft Fee ............................................ .. ............................... Returned Payment F • • • • • • • 8 Returned Discover Ca d Check Fee ... . ......................... 8 Stop Payymmeennt fee .. ....................................... 8 Pay-by-Phone Fee . ....................................... 8 Research Fee ........ .... .............................. 8 Default-Acceleration oiledion Costs ........................... 8 Cancellation ...... ........................................ 9 Privacy ............. ..... ..........,......... .. 9 Electronic Cortxrrun' dons ...................................10 Credit Authorizatio ....................................... 10 Change of Terrrn ... ....................................... 10 Change of Address o Telephone Number ...................... 10 Assignment of Acco t ...................................... 10 Claim Notices ...... ........................................10 Arbitration of Dispu s ...................................... 11 5everability ................ ...........................12 ..... Compliance with Int rest Rate Limitations .................. . ....12 Governing law .... ........................................12 AGREEMENT TERMS The word "Account" means y~trr Discover Card Account The word " rd" means any one or more Discover Cards issued to you or someone else with your authorization. The words "you", "your", or "yours" fer to, in addition to you, the Cardmember, any -1- other person or persons who are oho contractually liable under this Agreement The vaords "we", `us" and `our" refer to Discover Bank, the issuer of your Discover Card. The words "Authorized User" mean any person whom you authorize to use yow Account ar a Card, whether you notrfy us or not. The words "~riang Sdtedule" mean the document aaompanying your Card and list'mmgg the Frnarrce Charge rates that apply to your Account. The Pridng Schedule is part of this Agreemert ACCEPTANCE OF AGREEMENT AND THE RIGHT TO RE1ER ARBITRATION. The use of your Account or a Card bbyyyou or an Authorized they, or your failure to cancel your Account wfthm 30 days after receiving a Card, means you auept the Aggrreement, indudirrg the Arbitration of disputes provision on pages 11-12. You rosy t-oweveG reject the Arbitration of Disputes section by roviding us a rrotlae of re)ection wrtlrin 30 days after receiving a Card, at the fdlowing address: Dacover Card, P.O. Box 30938, Salt lake City UT 84130-0938. ff you were previously subject to arbitration with respect to arty account with us, this right to reject arbitration will not apply to you Your rejection notice must include your name, address, telephone number, Auount number and signature and must not be seat vrrth arty other correspondence. Callinngg us to indicate that you reject the Arbitration of Disputes section ar sending a rejection notice m a manner or format that does not comply with all applicable requirements is inwfrident notice. In order to process ur notce, we require that {ire notice be rovlded by you directly and not through a third party. Rejection of arbitration will Trot affect your other n' hts or responsrbr ides under this Agreement oryoru obligation to arbitrate deputes under any other accar+rt as to whidr you and vue have ar~reed to arbitrate drsputes. if you do not send a rejection notice, you veil be obligated by the Arbitration of Deputes section wfth respell to this and any riot account you have had with us, even if you have previously sent a re~ection notce with respect to that prior account. USE OF YOUR ACCOUNT. Your Accamt may be used for: • Purchases - to purchase or lease goods or servkes from participating merchants by presentrn~ your Card or Account number or by using promotional decks, whrch we famish to you, in accordance with such addftronal terms and coeds as we may offer from time to time: • Cash Advances -to obtain cash advances from particpating automated teller machines, finarraal instkutiaa or other locations, the purchase of lottery tickets, facetradc wagers, vorrdrers redeemable for cash or for casino chips money orders, traveler's checks, savings bonds, foreign currencw and wire transfers, or by means of checks which vve may famish to you, aU in accordance with such additional terms and conditions as we may offer from tlme to time. • Balance Transfers - to trarnfer balarrax from other creditors or to make other transad'arrs by means of balance transfer coupons or dsecks, in accordance with wch additional terms and conditions as we may offer from time to time. in addition, your Aaount may be used tp guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time speafied by the establishment Your Account may be used for personal, family, household and charitable purposes. Your Aaount may not be used to obtain loans to purdase, carry ortrade in securities, to pa any amourrtyou owe under this Agree• meet or for any transactions that are unlawful where you reside or _Z_ where you are a the transaction " of must be ~gned by responsible for the re accept dteda that we unused chedu to us u If a merchant faih to ~ request a uedk to Xo resolve the d'apute m and you will be deer merchant andlar arty request, you agree assignment Your rights and resprn in the billinrgg rights s monthly bitting state Spedai Rufe for Credi ' wkh a balance trans check. Therefore, ff ~ services that you pure purclwse check, cash you do not have the AUTHORIZED USERS. Authorized User to ~ writing or by teleAho None of your rights owed) may be exerc acting punuaM to a agreement (which w Wilmington, DE 19B facts relating to any or a Card and to cc connection with our billing arrangementy continue the autos merchant wkh your CREDIT uMfFAVAIL «edk limit We m. advances, referred ' impose a lower limn the balance transfer balance, including I uedk Iimk. If you immediate payment vedd limit We may inaeue, ~ advance «edit hind, The credit available your Account credit credit, we reserve reducing your unpa Ily located when you use the Account to initiate bleed Transactions". Prior to its use, each Card he non to whom it 's issued. We are not `usal of anyone to accept or honor a Card or W have provided you. You mart return any Card or ion request rovide your purchase to your satisfaction and u u Aaourrt, we will investigate the drsprde. If we your favor we will issue a «edd to your Account ed to have assigned to us your claim agasrat the third party for the «edited amount Upon our to provide us with written evidence of such sibilkies under the Falr Credk Billing Ad desuibed nnmary on pa s 16-17 and on the bade of your rent anppIyy only to credk card transactions. The Card Piuchases does not apph/ to purchases made er check, cash advance, or promotional purchase ou have a problem with the quality of goods or hosed with a balance transfer check, promotional sdvarxe dredc or the proceeds of a cash advance, Ight to withhold payment of the amount due. If you want to cancel the author'fi/ of a wrrent re your Account or a Card, you must notify us in ie and destroy arty Card in that penonY possession. order this Agreement (other than to pay amounts red by an person not a party to this Agreement power ofyattomey without our separate written are not obligated to give). If a Card is lost or stolen, or ff you think that • Account or a Card without your ppermission, notify can notify us by telephoning 1-800-DISCb1/ER (1- ry writing D1S5COVER CARD, PO Box 15156, 6-1002. You agree to asset us in determining the heft or possible unauthorized use of your Account mply with such procedures as we may require in mvesUgation, l# you have enrolled in an automatk such as a monthly gym membership, and wish to atk billing arrangement, you must provide the few AaouM number. 9LE CREDIT. We wiN advise you of your Account y impose a lower limit that wiU apply to cash ~ as the cash advance aedR limit a also that will apply to balance transfers, referred to as credit limit You agree not to allow your unpaid Hance Charges arrd fees, to exceed your Account xceed your Account «edit Rink, we may request of the amount by whkh you exceed your Account decrease your Account «edk limit, your cash • your balance transfer cradle limk wkhout notice, K your use may, from time to time, be less than mil For purposes of determining your available right to postpone for up to 15 busnness days balances by the amount of any payment that we -3- receive. Your available credit will not be Increased by the amount of any «edd balance. PROMISE TO PAY. You agree to pay us in U.S. Dollar for all purchases, cash advances and balance tramfers including applicable finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card even ff you do not notify us that others are using your Account or a Card. We will convert purchases and cash advances made in a foreign currency to U.S. Dollars at the rate we are charged on the date of comrersion. ff you pay us in other than U.S. Dollar, we may refuse to accept the payment or d>arrggee your Account our cost to convert your payme t to US. Dollar. Aq rheda must be drawn on funds on deposk 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 aaouM to make payments on your Auount, N r Account is a Joint Aorount, each of you agrees to be liable individually and jointly for the entire amourd owed on your Account We ran accept late payments or partial payments or checks and money order marked "payment In foil' or with any other restrictive endoremeM without losing any of our rights under this Agreement MONTHLY BILUN6 STATEMENT. We will send you a billing statement after each mpMhly billing period in whkh you have a debit or cradle balance, unless we waive our right to do so as permtted by law. The billing statement wiil show alt purchases, cash advances, balance transfer, finance Charges and other durges or fees and all payments or other «edits posted to your Account duringg the billing period. k will show your New Balance, Minimum Payment Due and Payment Due Date. MONTHLY PAYMENT OPTIONS. You may at any time pay the entire New Balance shown on your billing statement but each month You must pay at least the Minimum Payment Due. Ait payments murt be made in accordance with ttte terms, includng the payment wtoff time, stated on your monthly billing statement, and we will credit your Account in accordance with those terms. In addition, we reserve the rigght to dsa~ those terms without prior notice as permitted by law. We will appp y payments and credits to the New 8atance shown on your wrrent billing statement m order of the Annual Percentage Rate applicable to the balance of each transaction cat gory (as referenced in the Periodic Finance Charges Section), generally from lovrert to highert beginning with the balance wbJ'ect to the lowest Annual Percentage Rate. We then apply payments and «edits to ar~y new traruactioru using the same metfiOd. However, we have the right to apply payments and credits to balances with higher Annual Percentage Rates prwr 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 morrth wiR be the greeter of: (iy f15 or the New Balance if the New Balance is less than 575; or (i7 any amount past due plus the greater of (a) 2S4 of the New Balance (excluding current Period Fnance Charges, late and Overlimit fees)) or (b) wmKit Period Hnarrce Charges plus late and Overilmit Fees pus S15 (not to exceed 3SG of the New Balance), with (a) and {b) rounded up to the nearest dollar. However, the Minimum Payment Due will never exceed the New Balance. in calculating the Minimum Payment bue, we may subtract certain fees added to your Account during the billing period. We may oho include in your Minimum -4- Payment Due all or a I balance exceeds your i period. Paysng the Mi your AaouM balance may not avoid the imE the Overiimh Fee Sed make a minimum rn option is available. If a minimum monthly j will accrue on yyoouur Ac must pay the Ailinimui CREDR BALANCES. V business days from ref a refund, we will auto that remain in your A ' your Account by meal will contain an initial Rate that will apply ti in the offer, subject U Balance Transfer Tra transfer made drrcinngg as set forth in the PrF this time period the will apply to traiaferi speclal rate are refe transfers for which ti purchase rate balani date. ff you attempt expiration date, we ~ not make balance tr~ expiration date. ' PERlOOIC FINANCE C al! transactioru from until the dateyou p+ receiving credits. Ha billing statement by and you pay the Neu billing statement, vn ppurchases, that 4 p We call tfia the 'gr transfers or cash ads We sat your transa balance transfers ai group by their Anm to a promotional rat separate groups. lAh the end of each h Finance Charges for category. We use tf Charges for each tr of days in the bill'mi finance charge sum Then uve add up t xtion of the amount bbyy which your outstanding ttount credit limit as ofthe last day of the billing fmum Payment Due may bo insufficient to bring elowyaur Account credit limit and, consequently, isition of an additional Overlimk Fee described m on. We may from time to lime allow you to not nthly payment, and will notify you when the ~ take advantage of this offer and do not make syment, finance charges and arty applcable fees cunt in aaordance with this Agreement and you i Payment Due for the following billing periods. e will refund any credit balance within seven iipt of yyour written request ff you do not re uest oatically refund credit balarxes greater than 51.00 count after 6 months. We may periodically offer you the opportupity to other creditors or to make other transactions to of balarrce transfer coupons or checks. Each offer ~peclai rate, which will be the Annual Percentage transfwred balances for the time period speclffed the DefauR Rate Plan Section, and may contain a inaction Fee finance Charge for each balance .he term of the offer, as disclosed in the offer and rig Schedule, ff applicable. After the expiration of uuwa! Percentage Rate that applies fa purchases id balances. Balance transfers subject to the inkiai red to as specie) rate balance transfers; balance initial special rate has ex Ired are referred to as traiufers. Each offer will contain an expiration o transfer balances by meam of a check after the III treat the transaction as a cash advance. We will ~afers attempted by means of a coupon after the ARGES. Periodic Fnance Charges are imposed on he date the transaction is ed to your Account your entire New Balance, mak'mg paymenrts or suer, ff you paid the New Ba ante on your previous he Payment Due Date shown on that statement, Balance by the Payment Due Date on your current will not impose Periodic Finance Charges on new rchases first appearing on the current ttatement. ce period." There is no grace period on balance lions into groups of purchases, cash advances, and d then further sort the transactions within each 31 Percentage Rate. For example, purcliases sub1'ect i and purchases subject to a standard rate would be refer to these groups as transaction ca oriel. At Ifmg ppeeriod, we compute balances and Periodic each daY of the billing period for each transaction foilomng equation to compute Periodic Fnance uaction cat cry: Average Daily Balance x number period x Dai~y Periodic Rate. (You may refer to the w-Y on your billing statement for these amounts.) ie Periodic Finance Charges for each transaction -5- category to gget the total Periodic Finance Charges for r Account The Average Daily Balance is shown as zero if, because o the grace period, no Periodic Finance Charges apply to the balance in a tramaction category We use the le average daily balarrce (including new transactiau) method of calculating the balance upon which vve impose Periodic Finance Charges. This means rf you did not pay the New Balance shown on the billlrg statement you received dying the previous billing period by the Payment Due Date shown on that statement vve will impose Periodic fmartce Charges on new purclwses that first appeared on that billing statement, as well as new purcrheaasdeys that firrt appear on the c onit~Fie pur~hases on your previous bill ng~statemen~rc Finance We compute the Av~~e Daiy Balarxe for each transaction category by addatg up all the dally balances in a billing period for a transaction category aril eGvtdirg the total by the number of days in the billing cycle, We compute the daily balance for each transaction ca cry on each day by first adding the following to the previous days Bally balance: traraactior-s made that day, fees cha ed that day and Periodic Fnance Charges accrued on the prevous day's daily balance; and by then subtracting arty credits and payments that are applied against the balance of the trarsaction category on that day., In alculating.the dal1~ balance fo~the previous billing perod, vve coiwder the " revious dayfs daily balance" to have been zero on the fist day of the billing period. If a transaction is posted to your Account alter the close of the billinngg period b which it occurs, we will treatthe transaction as having oaurred on the fiat day of the billing period in which it is posted to your Acoaurrt. Ail fees charged to your Account are added to the standard purchase transaction category with the exce ion of Cash Advance'fransactioniee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balarxx transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Trar~fer Traiuaetion Fee finance ~sarges to the standard purchase transaction category. However, ff the speaal rate has been terminated ursder the Defauh Rate Plan, we leave die unpaid balance of the balance tramfer and the ealarxe Transfer Transaction Fee Finance tharges in the applicable balance transfer traraaction category until the special rate would have expired. The Dally Perwdk Rate and correspond'amgg Annual Percentage Rate that apply io eadr transaction categgooryry are erther fixed rates or variable rates as set forth in your Pridny Schedule or in special offers you receive from us. The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. Variable Annual Percentage Rates are determined by adding a speafied number of percentage pants to the Prime Rate. This is shown on the Pridng Schedule as "Prime + (percentage points)." for purposes of the Agreement, the Prime Rate is the highest rate of interest fisted as the "prime rate" m the Money Rates section of The Wall Street /owns! on the last business day of the nwMh. The Prime Rate is merely a pricing index and does not represent the bvrest or hart interert rate available to a borrower at any bank at arty 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 fins day of the billing period that begins during the same -6- month az the the Percentage Rate Payment Due. DEFAULT RAZE PL each billing perla apply to ur Ac Payment Due b PERCENTAGE RAT points, not to exc rate based on the any spedal rate promotional rate and any such rate and increase to b~ or variable) as the ff any other Annu your Annual Perc the new standarc to be the same ty will increase to tF Increase or dtan! rates. A~+ mcrea. the first dayy of th Minimum Paymei If your standard under thk or arq nine coraewtrve least the Minimu your Annual Per and your Annue may be reduces beginning with I CASH ADVANC otherwise speaf Advance Transac new cash actual FINANCE CHAR( Advance Ttansa Annual Percent Diswver Card wbject to Cash total Finance C under the Per transaction call BALANCE TRA balance transfi action fee Fin Transaction Fee made under tl Finance Charge applied for an Schedule. The in the Prime Rate. An inaeaze in the Annual usually resuh fn an increaze in your Minimum .fl. We will review your Auount on the last day of to determine the Annual Percentage Rates that will cunt. If we did not receive at least the Minimum he payment Due,Date, then the standard ANNUAL for Nell be increased by five percentage red 2>~and remain as either a fixed or variable type of rate in effect before the increase. In addition, on balance transfers and any introductory or xr purdwses that wrrently applies to your Account, fiat we have previously ooffffered to you, will terminate the same rate and change to be the same type (fixed new standarcl Annual Percentage Rate for purchases. d Percentage Rate applicable to your Account, wdi az ntage Rate fa cash advances, B less than or ual to Annual Percentage Rate for purchases, it will~nge x (fburd or variable) as the new rate and if it is less, it :new rate. If arty rate exceeds the new rate, It will not e type. The Prime Rate k the index for any variable ed rate and change in type will apply beginning with biling period in which we did not receive at least the t Due by the Payment Due Date. Annual Percentage Rate for ppurchases was increased previous version of the Default Rate Plan and, for any billing periods ending after A I t, 2006, you pa at n Payment Due, ff any, by the ~ayment Due Date, then enrage Rate for your new purchases will be reduced Percentage Rate for your extstmg purchase balance Any reduced Annual Percentage Rates will apply ~e first day of your terrth billing period. TRANSACTION FEE FINANCE CHARGES. Unless ad in a cash advance offer we will charge you a Cash ion Fee Finance Charge o{ 3'f, of the amount of each ce wRh a minimum Cash Advance Transaction Fee E of 55,00 and na maximum. The imposition of Cash lion Fee Finance Charges may resuk in an Annual for cash advances that a higher than the nominal le Rate. AR forms of cash advances, inducting the use of Leda, regardle~ of the purpose for which used, are rdvance Ttaruaction Fee Finance Charges. To obtain the arge on wish advances for ead~ billing period we add e Transaction Fee Finarxe Charges for the billingg period his Section to arty Periodic finance Charges arlculated idK Finance Charges Section for each rash advance pry and add up these amounts. SFER TRANSACTION FEE HNANCE CHARGES, ff the offer you receive contairn a Balance Transfer Ttans- nce Charge, we w16 charge you a Balance Transfer Finance Charge for the amount of each balance transfer it offer. If there is a Balance Tiarnfer Transaction Fee in rnnjunction with the offer you received when you ~oount, it will be in the amount set forth in the Priang nposition of Balance Trarufer Transaction Fee Finance -7- Charges may result in an Annual Percertage Rate for balarxe transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Chargge on balance transfers for each blRing period, we add any Balance Transfer Traraction Fee Finance Charges calculated under the Periodic Finance Charges section for each balance transfer trans- act(on category and add up these amounts. MINRVRJM FINANCE CHARGE. We vNTI durcge you a minimum FINANCE CHARGE of .SO for any billing period in w ich some FINANCE CHARGE of less than ~.50 would otherwise be impceed. LATE FEE. We will charge you a Late Fee ff you have failed, az of the Payment Due Date, to make the Minimum Payment Due that was regwred to be paid for that billing period. The amount of the Late Fee k based on the wm of all outstanding purchazes, cash advances, balance transfers, other dwrges, other fees and Finance Chargges at the end of that billingperlod. If the wm is equal.to or less than f500, the late Fee k 515, and rf 1he sum k greater than SS00, the Late fee is $39. OVEAUMR FEE. We will charge you an Chrerllmit Fee each time that; as of the dose of a billing period, your outstanding Account balance exceeds your Account aedrt limit. This fee may be charged even 'rf the transaction which causes you to exceed your Account credit limit is authorized by us or 'rf you exceed your Account credit limit due to the posting of Finance Charges or fees to your Aaount The amount of the Overhmtt Fefi k based on the sum of all outstanding purchase; cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period. If the wm k equal to or less than $500 and you exceed your aed'rt limit, the Overlimit Fee k $15.1f the wm is greater than $500 and gar exceed your credit Ilmit the Overlimk Fee is 539. RETURNED PAYMENT FEE. We will charge ou a Returned Payment Fee of S35 each time you pay us with a chedy or other instrument that is returned unpaid This fee will ako apply if a debit transaction to a deposit account from which yyoou have authorized us in writing, electronically, or orally to periodically deduct all or a part of an amount you owe us under thk Agreement k retumed unpaid. We will charge you this fee the firrt time any payment k returned unpaid, even if it a paid upon resubmission. RETURNED DISCOVER CARD CHECK FEE. We will charge you a Retumed Discover Card Check Fee of $2g each tip ~ decline to honor a Dscover Card cash advance check, balance transfer check, promotional purchase dieck, or other promotional check. STOP PAYMENT FEE. We may durge a Stop Pa ent Fee at $15.00 each time we stop payment at your request on a cash advance check, balance transfer check, promotional purchase dtieck, or other promotional du:dc. PAY BKPHONE FEE. We may from time to time allow you to make payments by authorizing us over the telepi~one to transfer or pay funds from a deposit account to your Account. We will charge a Pay-by-Phone Fee of $f 5 for each such transferor payment RESEARCH FEE. We may charge you a Research Fee of $5.00 for each copy of a billb>g statement or sales slip that you request However, we will not charge a fee rf you request copies in connection with a billing error. DEFAUL~ACCELERATION-COLLECTION COSTS. You are in defauk if you become insohrent; if you file a bankruptcy petition a have one filed against you; if we have a reasonable belief that you are unable or -a- unwill'mg to ref incompetent by a conservator for y terms of this Agrr when due, exceet pAaccyomunt for a Pia defauh~, vtnaydd due and p yaay ble Account to an ai regard to rescue rpeeasonable attor ni w~aion v~v1t airy of ow rights r them. CANCELLATION. or telephone chec that we ff ~ Acbbcuuottuyynt t~~aaorrBng r renew yo~r Acco Card) without PRIVACY. We Accarnt. Our oration we col guard the conf' may take to lim read ft carefully sated br our Pn end Other believe that i inso~rkte, pk Box 13316, W address, home We may from ! records. Our pr you arnd o~ re, telepho a calk phone call; an products or set contacted hr a write ro us at [ provide variou A~utiioriz~ed Use Account, and ai as provided in n1eaSUres Cants ay your obligations to us; if you are declared court or if a court appofits a guardran for you or a ur assets; if you die; if you fall ro urrrrply with the amens; including failingg to make a required payment inngg your Account Qed'it IirraL or using your Card or rr~ited Transaction; or if you fail to make a required on airy other aaount you have with us. If you are in ;dare the entire balance of your Aaount immediately without notice. if we refer the collection of your orney or employ an attorney to represent us with y of money that you owe us, we may charge you Heys' fees and court ar other cdlection costs as end as actually incurred by us, inducting fees and costs i any appeal. We may delay enfordng or not erdorce nde- this Agreement without losing or waiving any of i may cancel your Account by notifying us in writing id returning or destroying every Card and unused provided you. Of course, you will stilt be responsible ou owe us acceding ro the terms of this Agreement. ant Account, either Cardmember may cancel the J~ both remain responsible to pay any amount awed the terms of this Agreement. We may cancel or nt at arty time without notice, We may droose not ro :(beyond the expiration date shown on the face of a the privacy of irrfomtation about you and your Pol'rcy includes a summary of the personal irrfor- when it may be shared with others, how vae safe- iality and security of information and the steps you t our sharing of suds information with others. Please as k is part of your Cardmember Agreement. As indi- g Pohcx we may report to credit reporting agencies ors the status and payment history of your Account, r credit information, late paymems, mksed payments, on your Auount may be reflected in your credit report. rrt ro such credit reporting agencies each month. !f you r report of your Account status is inaccurate or re write us at the following address: Dhcover Card, PO nin on DE 1985Q-5315. Please include your name, number and Aaourrt number. ie to time review your uedit, employment and income onneE may listen ro or recoM telephone rails between esentatives without notice to you as permitted law. y medium, including but not limited .ro mat , live automated telephone equipmei~ prerecorded ~e~e- e-mail rocontact you about your Aerount or offer you xs that maybe of vahk to you. if you prefer not to be or more of these ways, call us at 1-800•DISCOVER or cover Card, P.O. Box 15354, Wilmington, DE 14850. We methods by which you can obtain information about Ve will only release such IMormation to you, any dwt our records indkate is an authorized buyer on your other person v+dh your prior permission, in addition ro cur Privacy PoRq or as required bar law, our security iruure against unauthorized inquines. You agree that -4- we will not be responsible for the release of information to anyone wlro, even if wthout your authorizatron or permssian, has gained possession of a Card or has teamed other identiiyrng characteristics aboutyou such as your personal identification number, Account number or so¢al secunty number. ET.ECTRONtC COMMUMCATIONS. We may offer you the opportunty to receive certain notices from us elecUonicalhr rather than through the maR, inducting monthly bitting statements and diarrge of terms notices. The terms and conditioru for receiving these electronk communications will be described in the offer. CREDtT AUTHORIZATIONS. Certain transactions wi11 require our authorization prior ro completion of the transaction. in some roses, you may be asked to provide identifcation. Nee have the right net 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 Gable to you 'rf airy of these events happen. CHANGE OF TERMS. tNe may cha ge any term or part of this Agreement, inducting, but not limited ta, azryn finnance drarge rate, fee or method of computing any balance upon whkh the finance dwrge rate is assessed, or add arty new term or part to this Agreement. H regrrlred bylaw we wid send yoda written or electronirally deSvemd notice at least 15 days before fire change is to become a ecoiwe. We may appps~ airy such change ro the outstanding balance of your Aaora-t on the effective date of the change and ro new charges made after that date. You may ire offered the opportunity to reject some of the changes, and if you do, you must notffy us to writing or ekctronfceily within 15 days after the mailing of the notice of drange at the.addreu provided in the notice of change, !n vvltich rase your Atcarr-t rvRl be dosed end you must pay us the baknce that you owe us under the existing terms of the unchanged Agreement Otherwise, you vriA have agreed ro the dranges in the notice. Use of your Aaourrt after the effeNve date of the change w8i be deemed acceptance of the new terms as of such effective date, even if you previously notified us filet you did not agree to the dwr~ge. We may also d-mrge arty term of anq product, service, or benefit offered in omnectton with yyoow Aaount. We witi rraUfy you ~ required by law or by tht terms of fix product, service. or benefit. CHANGE OF ADDRESS OR TELEPHONE NUMBER. If you change your address or telephone number you must notify rrs of your new addressor telephone number within t5 days. ASSIGNMENT OF ACCOUNT. We may~seii, assign w transfer your Account or ai~rr portion thereof without notice ro you. You may not sell, assignor trarnfer your Account without fast obtaining our pray written consent. CLAIM NOTICES. In the everrt that you or we have a claim that arises froppm~~ or relates to your Account, any prior secant you had with us, your en#orce~abil th~rerole ionships which result from yoix Account or the ty Agreement or arty prior agreement, before initF atirrrrgg,, joining or particippating in any judiaal or arbitration proceeding, as el tither an rndivrdual litigant or member of a loss ("Proceeding") the complaining party shall give the other party; (1) a written notice ot` the daim ("Clam Notice'), at least 15 days before inrtiatin~ any Proceeding, expiak-ing in reasonable detail the nature of the claim and an sup- porting facts; and (z) a reasonable good faith opportunNy to resolve the daim without the necessity of a Proceeding. This indudes arty daims involving our parent corporation, subsidiaries, affiliates (including, with -10- out timitatlon, Disc assigns, as wel(as t1 entities. Any Claim Ohio 43026 (or sad you) (the "Claim Na our records or, rf y your attorney's o r ARBITRATION OF D claim or dispute (v IoW Of egUlty) bet Account, arry prior relathxlships venal scoce of this orbit EITHER YOU D ALL HAVE THE F IURY TR1AL ON SHALL BE ENTITLE BY OR AGABrST ACCOUNTS. OR L GENERAL CAPACI else to the wrrtra arbitrator, shalt r Waiver. Even if al we may elect orb a any new Balm therein shall cor provision. We will not invol small dalms CWII claim is pending Your Account in governed by the conducted, at th the American AI Forum (NAFj in claim is filed. Fa information, ca NY 10017-5905, 50191, Minnea arbitration fora either the Chan Unless corrserrte any adrrrinistrai cedure that is it section. At yow purwe a claim claim or dispute 1020. The arbtt paying those fe our arbitration rer Financial Services LLC), predecessors, successors, :officers, directors and employees of each of these lotice shall be sent to us at P.O. Box 8040, Hilliard, other address as we shall subsequently provide to ice Address") or to yo at your address appearing m u are represented by counsel, to your attorney at IPUTES. In the event of any past, present or future nether based upon mntrad, tort, statute, common peen you and us arising from or relating to your count you have had with us, your application, the rewit from your Account or the enforceability or Ilion provisiar, of the Agreement or of any prior we may elect to resohre the claim or d'apute by WE ELECT ARBITRATION, NEITHER YOU NOR WE BHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE iAT CLAIM. PRE-HEARING D15COVERY RIGHTS AND AL RIGHTS WILL BE LIMITED. NETTHER YOU NOR WE TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION ITHER CARDMEMBERS WITH RESPECT TO OTHER GATE IN COURT OR ARBITRATE ANY CLAIMS AS A t MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY ('Class Action Waiver"). Notwithstanding arrything in this arbitration provision only a court, and not an ;ermine the validity and e~tect of the Class Ad10n artles have opted to htigate a claim in court, you or stion with respell to any clarm made by a new party iter asserted in that lawsuit, and nothing undertaken lute a wa'nrer of any rights under thrs arbitration :our right to arbitrate an individual claim you bring in mly a thataceourtgand deoes not exceedyS5,000.00~ the Dives interstate commerce, and this provision shall be Federal Arbitration Act (FAA). The arbitration shah be option of whoever fifes the arbitration claim, either ntration Association (AAA) or the National A ation sccordance with their procedures m effect when the a copy of their procedures, to file a claim or for other last AAA at 335 Madison Avenue, Floor 10, New York, (pirorre 1.800-778-7879) or NAF at P.O. Box 015 05 (phone 1-800~474237t). No other n w61 be permitted, except as agreed to pursuant to e of Terms section or a writing signed by both parties. to by all parties, no arbitratron may be adminhtered by ~r that has any formal or informal policy, rule or pro- :onsistentwith vine v~aill advance a~earbitration fil'mg, written request, nY rd hearing fees whidr you would be required to pay to rr dispute as a rewft of our electing to arbitrate that Send requests to P.O. Box 15192, Wilmington, DE 19886- ator will deride who will ultimately be responsible for s. You will Dray be responsible fa paying or relmburnng flung, administrative or hearing fees to the extent you -11- would have been resQonsible for paying "attorneyyss' fees and court or other collection vests had the action proceeded in court. In no event will you be required to pay any fees or costs incurred by us in wnnedion K P ~ PplproceedaW where such a payment or reimbursement Any arbitration hearing will take place in the federal judidal district wrhere you reside. The arbitrator shall follow appliable wbstantive law to the extent consistent with the FAA and appliable statutes of limitatonu acrd shall honor claims of riw'fege recognized at law and shall be arrthorized to award all remedies permrtted by the wbstantive laws that would apply ff the action were pending in court. ff requested by arry pariK the a ator shall write an Ion containing the reason3 for the award, The art>Itratot's decision will be final and binding except far any appeal rights under the FAA and except that if the amount in wntroversy exceeds 5100,000.00, any party may appeal the award within 30 days to athree-arbitrator petrel, whfd- shall review the award de novo. Unless appliable law prrn Irides othelwlse. the appealing party will pay the cost of the appeal, regardleu of its outcome. However, we well corroder 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~n~ ward by the arbitrator maybe enforced in any court having j Our rights a'nd obligations under this arbitration provision shall inure to the benefit of and be binding, upon.our ppaarent corporations, subsidiaries, affiliates (including, without Ilmdation, Discover Flnandal Services LLC) predecessors, successors, ass'Ignsr as well as the officers, directors anrj empl of each of these entitres, and will, also inure to the benefit of any 'rd, party named as a codefendant wrath us or with any of the foregoing In a claim which is subject to this arbitration promlon. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually Ilabie under this Agreement and all Authorized Users of the Account. 7lth arbitration provision shall wrvive termination of your Auount as well as voluntary payment In full by you, any legal proceedings by us to coiled a debt owed by you, any bankruptcy by You and arry s by us of your Account. SEVERA8ILTTY. If any part of this Agreement becomes unenforceable, it will not make arry other part unenforceable, except that ff the Bass Action Waiver set forth above in the Arbitration of Disputes section is imal'idated in airy proceed;ng in which you and we are Irnolved, then the Arbitration of Disputes section will be void with respell to that proceeding. COMPLIANCE WITH INTEREST RATE LIMITATIONS. We intend that this Agreement veil) comply with appl'rcable interest rate limitations. You will not be required to pa Finance Charges or other charges at a rate that is greeter than the maximum amount permitted by law. If it Is ever finally determined that, brit for this Settron, the Finance Chaves or other charges under this Agreement would exceed the maximum lawful anaunt, the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid be refunded to you by means oof a che~cicb n our diureUon.ccount or vntl GOVERN~IG IAW. Tlris Agreement and arry claim or dispute arising out of this Agreement wIR be governed by appikable federal law and, to the extent state law applies. Delaware law. -tz- PRIVACY POLICY e Respell Your Privacy Our mission is to 'de you with superior products and services, alaagsg with the peace of ind knowing that that the security of your personal information is our top priority. We understand your rooters about guarding informati ~sout you and your Account. We wantto a{sure you that we have taken steps, and vhil continue to take steps, to safeguard that information. Thor Privacy Policy d rites our efforts to meet these objectives. It indudes a summary of the f Ilowing Important information: • A listing of the ersonal infomsation we collect; • The dreumstarsc in which we may share information with others; • The ways we serf uard the confidentiality and severity of information; and • The steps you tt others. See Sed Please read our Priv mlled and share in 1. What Personal In To serve you bette coiled and maintaii this information frc yyoour dealings with 6om other sources, • We may obtain in from applications • We may obtain it ypur use of your transactions and • We may obtain in lenders and your agencies. • We may obtain ii email address, yo Web site use and Web sites. 2. b Personal irdor We limft the sharii receive for produc example a retailer special offer fa C upgrade. After ca company, we will the offer based on those Cardmembe insert in their moo control the inforn or arty (nformatia please understarx dsoose to take ac about you because the offer. There are, howew take to limit our sharing of such irsfarmation with 4 for complete details. Polley carefully. It will help you understand how we ormation Do We Coxed? and manage our business, it a important that we accurate personal information about you. We obtain n applicatrons and other forms you wbmit to us, from sand others, fran conwmer reporting agencies, and such az our Web sites. for example: srmatron such as your name, address and date of birth and other forms you wbmrt to us. ormation such as Account balances, payment history, «ount and the types of services you prefer from yore then dealings with us and others. ~rmatwn such asthe balanors of your knarsswith other payment history with others from conwmer reporting such az your Internet servke provider, your is opereting system and Web browser, yore d and service prefererxes from you visits to nation Shared With Others? g of information wRh others. Many of the offers you rand services are provided directly to you from tic for that accepts the Discover' Card may came to us with a udmembers, such as a discount ceruf'uate a product eful consideration of the nature of the offer and the reate a ikt of Cardmembers who may be Interested in rertain characteristics. We will send the offer directly to son behalf of the retailer b~yy, for example, including an hly billing statement or ma0ing the offer oursehres. We anon used to make the offer, we do not share the list r about our Cardmembers witir the retailer. However, that ff you, do receive tha type of offer from us and rootage of d, the retailer max then team information only Cardmembers with certain dtaraderistia received drwmstances in which we may ~sare the irformaton -t3- we tolled about you, az described ~ Section t, with other companies in order to provide you with amen m ~ and services and to service your Account effectively, az detailed We reqquuire these companies to adhere to ow vacy standards and to use this inf~rrnation ally for the limited purpose for which itnsras shared. We do not alkwv them to disclose 'it to others wmhout our prior approval. a. Sharing Personal information svitls Our Corporate family We are part of the Morrggaan Starsiey famiy of companies. Our c rate family offers a wide variMy of products and services that wn help you manage your finances. N order to provide you with stress to these products and services, we may share ttre information we mlied about you, az described in Section 1, wills other rrrembds of our corporate family. These companies include finarsdal setvice providers that offer mortgage lending senice~ securities and abet mana~eement services, investment opportmities and mutual funds, and may usdude non-$nanciai servke providers m the fuwre az our oorporate family continues to grow. b. Sharing Persona!lnformatlon widr Non-Afl~rated Parties for Marketing Purposes We may dsare the Information we collect about you, as described in Section 1, with rson•affikated th6d part , usdud'asg those that accept the Discover Card, le order to provide aaosss to aroducts and nary cites offered directly by these that may be of value to you. These cornpanies Irxlude finer service providers, such as Insurance oNrspanies,'and rson-finanaai tompanies, such az retailers. c. Sharing Personal infomsation wiSi Others We may share the information we collect about you, az described in Section 1, with companies that perform w or marketing services on our behalf, suds az maAing, market research and data processing; other financial irsstltutksrs wrth which we have jjgqnt marketing agreements; or companies that are our partners for cobrand credit card programs or reward programs. We may also share suds information as permitted by law. 3. How Do We Protect The Carsfidentiafiryb Security and Integrity Of Information About You2 We maintain physkal, electronic and proce~ual safeguards to protect the information we mllect aboutyou. Aaess to such information s restriched to individuals who need it le order to servicee your Account a provide products and services toyou, and who are trairsed in the Proper handling of wch Information. Em'loyees who vidate these confdenUality requirements are subject to our dLsdplirsary process. Where third parties provide wpport seances, vve require them to conform to our privacy standards. It is importarrt that the information vve maintain about you is aaurate and complete, ff you see information in your monthly billing statemems or elsewhere which wggests that our Information s snmmplete or inacwrate, please write to us at Discover Card, P.O. Box 30943, Salt Lake Gty, UT g4130.p94g so that we can update this information. 4. How Can You L'arsit Sharing OF brformation About You? We respect your privacy and offer you dsoices az to whether we may share information about you with others. 'You have the oopptitton to tell us not to share the information we coNect about you, as desar~ed in Section 1, with rson•affiliated third panes. Ybu also have the option to tell us not to share certain information we tolled about az described in Section t, with companies In our corporate family. ~, tha option is limited to information about your elgibslrty for credit obtained from your -14- application, such as suds as your aedit h options, please anti and services provide costs, maximsze youi To inrTipte Y~ Pre us at Discover Card, have previously na necessary to do so Your written reK(us number and Accoa corresporidente. In request be provided need to provide us r have with us. YoU may notify uS S remain m effect ant and not share this federal law permi reporting agencies, we have joint information about Auount balance a corporate family. I information about provide this Policcyy about your prate understand that y from oihe~ mm processing of your The Privacy Policy Account. However, preferences and Account. We do Q~~mi~ted by law. Y011Cie5. We rest time and we will This Privacy Policy s which arrentiy s Inc. It applies to t products and se the Wallet Prot ii information regi e shared), tt is part 1 will oho retch with us, as oval us and our off of these sepan Vermont Resh obtain your ca Except as perm you with non; unless you call • income, and from consumer reporting agencies, y. if you indicate a preference far ether of these ind that you may not receive offers for produos other companies that could help you lower your aridal resources or manage your finances. noes, please wB us at 1-800-225.5202 or write to Sox 30961, Salt take Gtyt UT 84130-091. If you d rrs about your prNracy preferences, it is not rt rmless u dedde to than yy~ pre ~Frordd rude your name,gasidress, telephone .arsber(sj and should riot be sent with arty other :r to process ywu request, we require fiat the you directly and not through a third party. You will you preferences for each aedft card account you bout your preferences at any time. Your request will I you notify us otherwise. We will honor your request lion exce as permitted by law For example, us to share anon about you with consumer xrvice providers and fnandal institutions with which cleating agreements. tt also permits us to share u experiences and transactions with you, such as your I payment hktory with us, with other members of our you are a new Cardmember, we wiG not share any ou, except as permitted by law, for thirty days afterwe ~ you in order to give you an opportimsty to inform us Kies. If you are an exsstsng Cardmember, please ~ ma continue to receive marketing offers dprectly pies that were already in production prior to the s provided to the pprimary Cardmember listed on the my joint Cardmember has the right to notify us about e wrTl treat that request as applying to the entire :share information about former antomers, except as ~b notification supersedes a4 previously issued Privacy the right to amend thrs Privacy Policy from time to Riiy you rf we do so, provided to you by Discover Bank and its ssrbsid'iarles, ude GTC Inwrance Agency, Inc and Discover Products he family of Discover Cards for consumers and the es offered in cormection wRh those Cards, inducting m wrd registration service (with the exception of any red in connechon with the senisce, which will not be 'you Cardmember agreement and provides a further we collect and share information. You may have other iws that apply to this informaton. Please note that you ivory notices for other credft card auounts you have then finandal products and services provided to you by s. You will need to indicate your preferences for each as disclosed in the rrotke. - Your state taw requires finandat institutions to t prior to sharing information about you wsth others. by law, we will not share information we coGect about sled third parties or companies in our corporate family t t-800-DISCOVER and authorize us to do so. -15- California Reddersts -Your state law require financial insdUrt'tons to obtain your consent prior to sharing information about you with rrorr affiliated Udtd parties. Except as permitted by law, we wiG rrot share inforrnatfon we collect about you with rron-afftfitliated third partite while you are a resident of Caiifwnia. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our resporisibi6ties under the Fair Credt Siding Act 1. fJotify tls In Case of Errors or Questions About Your B81 ff you think your bill is wrong, or if you creed more information about a transaction on your biG, vwite us on a separate sheet of paper at the address listed on your bill for Watice of Billsrsg Errors. Write to us as soon as possible. tMe must hoar from you no laterthan 60 days after we sentyau the first biA on winch the errs or problem appeared. You can telephone us, but doing so will not presern your rights. In your lettey gMe us the fdlowing irrfonnation: • your name and Auount number. . • your dollar amount of the suspected error. • desalbe4he error and explain, if you rte, ~uhy you believe there b an error. ff you need more mformation, describe the item you are not sure about. ff you have authorized us to pay your aedR card biG automatically from your savings or dtedring secant, you wn stop thepa ton arty amoursi think is wrong. To stop the payment, your tet~ must reach nt tluee ~ days before the automatic payment issdseduled to ocean. 2. Your fUgfrts and Our ResporarWRtfes After We Receive Your Written Notate We must adsrrovdedge your letter within 30 days, unless uve have corrected the errs by then. Wrfhin 90 days, we must either correct tfie error ar explabr why we believe the bill was costect. After we receive your letter, we cannot try to collect any arrauit you question, a report you as deGrquesrt. We rats continue to bill you for the amamt you question„ indudsng finance charges, and we can unpaid amount age"snit your Atcoirnt aedit limit You do not have to play any questioned amount while we are investigatirsg, but you are still obligated to pay the parts of your bs11 that are not in question. M we find that we made a mistake on your bGl, you will not have to pay any finerice chars related to any questiorsed amount. M we didn't make a mhtake, you may have to pay the finance charges, aril you wGl have to make up rn~ed paymsnits an the questioned amount. In either case, we will send you a statement of the amrnmt you owe and the date that it a due. ff you fal to pay the amount that we thtrsk you owe, we may report you as debrsquersk However, if ou expWnation does cwt satisfy you and you write us within ten days telling us that you still refuse to pay, vve must tell anyone we report you to that you have a question about your bill. And, we must tap you the name of anyone we reported you to. Vsle must tell anyone wr report you to that the matter has been settled between ~ when it finally is. if we don't folbw these Nles, we can't collect ttse first S5o of the questioned amount, even if yore bill was correct. -16- 3. Spetiaf Rule for ~ If you have a prol purchased with a c problem with the remaining amount on this right: (a) you must have h your home state, w, (bj the purchase pt Thane Bnatations d we maned you the SCHEDULED ARl Cardmembers are AuldeM* protectF "credit card") to c for the transpoi Carrier), you au cost The benefits of by the law of a *toverage is w h, PA i Certain imitatl~ ACCIDENTAL DF~ benefd amount f year of the acrid Sum means the tc or her spouse errs than one insured the Policy Once Insured arson in further benefits Injuries received i Maxankarh Accide than one Cardme an aaaregate c on a proportana of liability. As us iruured spouse ah not reptacea in under the Polity. "Injury' means h unhntended, una occurs while the i Card Purchases vith the quality of goods a services that you acct and you toed in grad faith to correct the rant, you may have the right not to pay the i the goods or services. There are two limitations ode the purchase in your home state o4 ff not within sirs 100 miles of your current maiBng address; and h must have been more than 350. not apply ff we own a operate the merdtant a ff fvertisement for the goods or serv6ces. CRlPTION OF COVERAGE tAVEI ACODEfiT INSURANCE. Discover' Platinum rovided wilt up to (500,000 Scheduled Air Travel .whenever you use your Discarer Plafhnum Card {the hrge your entire Common Carrier'Fare Ticket on any operated by a k)heduied.Ait Carrier urxler a Uceme coverage at no coverage an: governed priman'ty ten byNafanal Union Fire Insurance Company of wrarhce Company"), with offices in New York, NY. excusiau apply. PLAN FEATIAiES I BENEFITS. inwrance coverage will be equal to the acddental toss of Ide. The loss must oaur within one t that caused the Injury. Family Aggregate 1'rindpal I amount of inwrante in face on the Cardmember, his Heir depa~dent chBdren for azry one accident ff mae htson dies as the nit of the Injuries received in any amity Aggregate Princpal Sum will be pro-rated and with the da m payment and bermfidary provisions of !Family Aggregate Prirxipal Sum is paid for any ors ~amily that occurs as the result of any one accident, no payable for further deaths in that Family due to .he same accident. al Death benefits payable under tie Polity, ff more xr suffers a kra from the same aaident, are I'rmited to 520,000,000 fa ap Cardmembers tombtned. Any s necessary to whth the limkation will be made basis to each Car~.mber up to the aggggregate limit herein, Cardmember means cacdmembeh; fir a her irhsured dependent chidren. This aggreeggaate 11mit does ~wayaffectthe FamilyAggregate Pnrxipal Sum stated iiy injury: (a) whidh 8 sustained as a direct result of an opated acchderht that a external to the body and that ued person s coverage under this Policy is M force, and _ r~ (b) which daeclfy (independent of sickness, disease, mental Infirmity, bodily bifirmity a any other cause) rouses a covered loss. DISAPPEARANCE BENEFITS. tAk wNi presume you suffered loss of I'rfe due to ~ accident if:you are riding in a Scheduled Air Carrier that b involved in a cauered acdderrt and as a result of the aaida>t, the Scheduled Air Carrier a wrecked, sink~, a disappears; and your body is not found within one (1} year of the aeciderht The total of all benefits payable for you, your spouse and yore depemderrt daNdren frar- the same aoddent rdA mot exceed the 5500,000 FamrTy Aggregate Prirtdpal Sum. ELIGBiMJTY. This ahrtanatk iruwance b provided to eligible holders of the credit card whose names aappp~eaar on the credit card, itherc spouses and their uranarrkd derrt dh~ren under age t9 ( Z3 ff attending schod on a full~ime and sully dependent on You for support. However, the age lirrrtit does rat apply to a chNd who r; escapable self-sustaln~g employment by reason of mental a physiwi 6uapacity. EFFECTIVE DATES. Your ir-wrance under the plan is effective on the.later of; 1) July i, 2~i• a 2} the date you becane an eliggible person. Your irraurence under t(tis plan wiB cease on the earNer of: t) the date the insurance crnxrage is terminated; a 2} on the date you cease to be an elighTsle hgjder of the credit wrd. THE BENEF1CtARY. Unless you otherwise with a beneficiary designation form, your death ben wr71 be paid, in equal shares to the first suvivirg eass of those that foUaec (1) your spouse; (~} your c~iidren; Q) your parentx or (4) your brothers and sisters. ff no d~ has a survivor; the beneficiary hs your estate. You may die your benefdary by writing to the Inswance Canpany at: Aaklnt d Heahh Division, 500 VNest Madison Street, Suite 2250, Chicago, f<60661. CIAiM PROCEDURE. Claim forms may be obtairxd through the Irhsurance Co Claims for benefits rraat be filed with the Inwrance Company withdays a as soon as reasonably passble after the sass occurs. tsl.AN OF INSURANCE COVERAGE. You, as a Cardmember, and your spouse and children an11 be covered agaimt'~ies that result in an acddental death while as a ger in a ary m9 getting in a out of, a on a off of, any Scheduled Air Carrier ff the Common farrier Fare Ticket for the flight was dwrged to your aed'R ord. Companion tidketsissued fafree vvitltthepurchase of afull-fare coroners carrier ticket and used by a spouse a dependent child wiA be considered as fully dx~ged to the u card ff the correspording full Common Carrier fare Ticket is dharged to the uedik card. Coverage k effective when you board the Sdieduled Air Carrier, provided the fuN Common Carrier Fare Ticket is purchased, a the travel reservation a made for the companon ttdkets, pear to boarding wch Scheduled Air Carrier. Coverage er>ds when you alit from the Scheduled Air Carrier: EXCLt1SlON5.9eneftts are not payable 'd the loss h caused by a rewttt frarh: 1) self-irrfik6ed arjury or sukide; ~ sidcrsess, disease, or merrtal in~padty or bodily irtfkmity whether directly or indirectly, 3) ihhfections of arty kind regardless of how contracted except bacterial infectioru that are d caused by botulism, ptorhafrre pohsahhng a an aaiderhtal cut or v~indeperhderht and in the absence of any underhrinq skkness, d'hsease or condrHon ir-duding but cwt fathited to diabetes; 4) canmittingg or attempting to tarxnrt a 5) roar a ad of war, dedared or undeclared; a (6) Vavet a ffi ~ in ~ on arnr vehicle used for aerial navigation, as a pilot, operator or uew member. - ta- UMRA71ONS. Bene account, the credit were fuly dwrged. Benefits are not i ` .for which the ticket Pilts6urgh, PA wi Inwrance is id b from its credit cart Please read this Dc other irauronce dt 530365DOC) is no' statement to ead arsuurance while in If a conflict exists t any provisions in t A&H Cairns Dep< (800) 551.0624. SECONDARY REN'~ PLATINUM CARDP COVERAGE DESQ • Secondary Rent. Agency for Crn excess txasis (ovi those responsrb are those amor Damage to the dnver ~ legally liable beyond + Agency. Reimlx • From the amok mlieilible insu. deducted. DEFINR1ON5: • Actual Carr V Automobile at • CoNalon Dame Automobile ra • ENgible Card n • Loss of Use mt You are liable, the period of ~ • Rental Agency under the law • Rented Auton vehicle or a rt mum of sigh must be desig Rental Agerrc7 gill only be payable under one Cardmernber under which the Common Carrier fare Tickets able for losses due to injury skatained while on a trip were purchased with a frequent flyer voucher. pertaining to this plan of inwrance are contained in red by National Union fire Insurarxe Company of + offkes in New York, NY. lire premium for this Discover Fnancial Services LLC, out of income derived :ription of Coverage. Keep it in a safe place with your uments. This Description of Coverage (Form Number a contrail of insurance but a sanely an informative eifulble individual of the principal provisions of the weep a statement in this pescripUon of Coverage and Policy, the Policy vm'Il gaoem., ales administered by: Went, P.O. Box 15701, VYlmrngton, DE 19850.5701, COWSION COVERAGE PROVB)ED TO DISCOVER S DESCRN•TWN OF COVERAGE. Car Collision Coverage wiN reimburse You or the Rental red Damages as a resuh of Collision Damage on an and above any amount due from arty other valid and nce or arty other form of reimbursement able by ;for the Ions) on a secondary basis. Covered it; up to 525,000 per incident on ciarrt>s for Colhs Rented Automobile for which You or arty authorized rsponsible to the Rental Agency In no event will We be e amounts actua8y paid bly either Yau or tt-e Rental sement vriN be an an Actua Cash Value basis. nce or the s~ian~o 50 (whkhever i~greater),rshalt be lue means the cost to repair or replace the Rented ne time of ColNsion Damage, less deprecation. e means the direct and aaidentai damage to a Rented red by upset or cotl'rsion with another object. arts the Diswver Platinum credit card. ra the charges imposed by the Rental Agenry, for.which lue to Cdl'aron Damage to ifie Rented Automobile, for ne the vehkle a being repaired. Weans a commercial automobile rental comparry Ikensed of the applicable jurisdiction. bile means a fourwheekd prnate passenger-type motor ri•van manufactured and des Wed to transport a maxi- passengers and used excksive~ly to carry passerx,Jers. R ed for travel on pub8c roads and rented from a hcerrsed _ 1g_ • We, IJS and Our means Virginia Skaety Company, Inc • You ~ Your means the di916k Cardholder, hereinafter referred to as Cardmember, his or her spoust< and unmarcied duTdren under the age of 19 (or age 23 if a fulltime student at an accredited eolle~ or univers' Spouse mdukles domestk partner, whkh means a person des;gnater and Nsted as a domestic pp~artt~rrerr on the aaotmt of the primary member, who is at least f8 of e, and who during the past 12 months: a) has resided ~ the same hou~ro-~.dh ~ CaPdm~~nber ~ member, and b) has been )off rrzpaxib each other4 firiarrcial obNgatfors. HOW TO GEi COVERAGE: • Inkiate and pay for the entire teMai transaction with Your ENgN~Ie lard. ff a coupon or voudner of kind is bnitially applied toward payment aF the Rented Automobile, at IeasCone day of rental must be dwrged Lo Your Elgible Card; and • Decine the wNisiorJloss damage waiver offered by the Rental Agency; and • You must recd the car in Your awn name and sign the rental car contract. Coverage does not apply if You pay for someone else to rent the tar. • It is not necessary for You to notify th at the time of rental. VYHO15 COVERED: • You , WHERE YOU'RE COVERED: • Coverage is avarTable in the idly (50) Un'ded States of America and Canada Coverage is not applicable where precluded by law or in violation of the territory terms of the rental agreement or prohibited by individual merchants. PERIOD OF COVERAGE: • Coverage begins when You pick k~r the car and ends when You tum it in to the Rental Alerxy • The period of coverage shall notexceedthirty-one (31}consecutive days. EXCUIDED RENTAL VEHKLE: • Trkxks recreational vahider ~mp~s Pickup trucks minibuses full-size vans mounted on trudk dwsis veh~ides manufactured bo seat more than eight oaupants vehicles when used to carry, haul or transport anype of cargo or property; off-road vehicles trailers; motorbikes moto es and motor scooters antique motor vehicles (which means vehkles over 25 years old or any vehicle wirKir has trot been manufactured for 10 rs or more}; Nrnousrnes high~ralue motor vehicles (those whose replacement value exceeds 550,001p, fanited•edition motor vehicles (which are hr h-value, exotic, higFi-performance or wllector type vehicles} special-mterest or exotic cars lin<iuding Aston Martin, Bentlelr, BrickNn, Daimler, Excafibur, Ferrari, Jensen, Lamborghi , ofof B~NRIVcedes-B CadBlac~and Lincoln}vehocles, selected modek WHAT K 1~ WVERED: • Coverage is not ail-indusiv~ which means k does not cover such things aspersonal injury; personal ItabNity6 or personal property. in other words, it does not cover You for damage do someone else's vehkle, or property, Your property or personal property msrde the vehicle. R does not cover You for any mtury to any party -20- • Losses resulting • Loss rewhing fn • Loss that occurs • Loss due to ctrl jurisdiction whi narcotic unless contraband orl • Intentional bss • Loss rewlfmg undeclared w insurrection) or • Loss due to nuc • toss as a resuR or other weath • loss or theft of • Lass roused by s • Loss due to wea eledxiwl breaks • Blowouts and t loss. • Depredation, a Rental Agency. • A single rentaV • Back to-badk n bads-to-back n vehicles within within a 24~ia • Leases or mini- • Expenses anun • Loss keys, leaving t • Damage wstai state, or fader • ion or damag • Expenses calm • Lon rewking contests. • Loss rewlting and property • Losses not i claim prow • Coverage ~ offered by im arry dishonest fraudulent or criminal act. i forgery. file You are in vwlatwn of the Rerrtal Agreement. g while intoxicated (as defined by the laws of the the loss occurred): or under the influence of any ascribed by a physiaan, reckless dr'nring, or due to gal activities. damage. Hn hortifity of arty kind ('mcluding declared war, invasion, rebellion, riot, dull commotion, a mfucation by authorities. sr reactwn or radioacWe contamination. `hail, lightning, flood, earthquake, wfndrtorm, water, •related causes. ~m falling objects, fire, theft or larceny, explosion, F or vandalism. ersonal belongings. meone other Chars You. and tear, gradual depredation, freezing, mechanical or iwri or failure. e damage unless the loss is coincident with a covered minirtrative, Lon of Use, or other fees charged by the ntrad of more than thki}wne (31) cotuecutive days. als for more than thirty-one (311 consecutive days (a Cal is two or more rentals of the same or different ie same dty, with the first ending and next beginning period). ed waived, or paid by the Rental Ager-cy or its inwrer. You assume under arty agreement (other than the car agreement). from an authorized drivers lack of reasonable care in Rented Airtomobile before or after the Ion oaurs rot limited to, mysterious disappearance of the rental car ~ rental car running while unattended, etc. fed on any road not regularly maintained by a municipal, ~I entity. rewlting from use of vehicles unlicensed far road use. cursed by your insurer, employer, or employers Insurer. from use of the Rented Automobile in tests, races, or use of the Rented Automobile to carry passengers ig in states or countries where prohibited bylaw orted within the time period provided, as stipulated in the re. not pay for, or duplicate, the mllisionllon damage waiver !Rental Agency. _21_ HOW TO flLE A CLAIFk • After Collbion Damage occurs, You mart coritad the adminirtrator, Aon Innovative SoNitwns, P.O. Box 220, Golden, CO 80402, so coverage can be verified and a claim form sent to You. You must report any Coiliswn Damage wthin 45 days of the indderit or We will not be able to honor Your claim. • Report within 24 hours arty damage or loss to the appropriate official representative, including the police and Rental Agency. • Complete and siggn the claim form and attach ail appropriate documentation, including a copy oi: • The account statement showing the Rental Agency transaction; and • The automobile rental agreement (front and badcr and • The police report; and • The initial claim report submitted to the automobile Rental Agency; aril • The paid dawn presented by the Rental Ageruy for the Collision Damage for which You are responsible; and • ('roof of wbmission of the loss to and the results of any settlement or denial by the applicable inwranae carriers}; and • If no other imurance is applicable, a notarved statement from You to that effect; and • Any~other documentation We may request • Be wre to wbmit ail above required documentation to the adminirtrator within 180 days of the incident, or as soon as reasonably ponible, or the claim will not be honored. • It is a condition of this coverage that You, as often as may be reasonably required by Us, wilt wbmit, and within Your p cause others to submit, to examinations under oath and will produce ror examination all writings, (woks of account, bills, invoices and voudiers, or certified copies thereof, at wch reasonable Ume and place as We may designate and wiM permit extracts and espies thereof to be made. • 1f payment is made under the Secondary Rental Car Collision Coverage, We are entitled to recover such amounts from other parties or perssorisi . qny rty or person to or for whom We make payrtierit mart transfer to Us hasp or her nghts to recovery against arty other party or person. You must do everythuig necessary to secure ttrese n~ and must do nothing that would jeopardize them, or these nghts wiTi be recovered from You• However, We will not require reimbursement agairut Your personal insurance carrier, but You agree to repay Us for any reimbursement ~ to the amount of any recovery from Your personal insurance tamer. FOR NEW YORK RESIDENTS: The amounts of insurance set forth in this section are the maximum allowed by New York law. Actual amounts of irxurante may be lower under the coverage: • 5econdarytyy Rental Car Collision coverage will reimburse Yoke or the Rental Ag~icy for Covered Damages as a rewk of Collision Damage on an excen basis (over and above an amotmt due from any other valid and wBectible insurance or any other form of reimbursement payable by those respor~ibie for the kiss) except when the Rented Automobile fs used outside the United States, its terrrtones arxi possessions, or when the EBmble Card was iswed to You as an employee of ~i organaatan which hu provided the Eligible: Card for business use, in which case coverage is primary. -u- Secondary Rental Car Collision Coverage's an irrwronce program. Reminder. Please refer to the Insurance iNsclosures section. cDw aroo) krsurmce Disdosuresr Secondary Rental Car Collision Coverage 6 provided under a master KY of insurance issued by Virginia Surety Cort+parr~ Inc. Qrerein referre to as Company). Ali information En this Description of Coverage (DOC) about these beneftts +s subject to the terms acrd conditions of the master policy. Coverage under Secondary Rental Car ColNsion Coverage h effective luly 1, 2001. insurance benefits are provded to Cardmember accountholders (incNviduals who have an open and active Dfsoover Platinum ved'it card aaount) free of charge and enrollment a automatic. This DOC replaces all prior DOC's, program desrnptions, adverthing xrdfar brochures by any party. We reserve the right to change the benefits and features of all these programs. Discover Financial Services LLC, ar the G~on cancel or choose not to renew the Insurance coverages for alt l If this happens, Dacover ~nanaal Services Lit, will rrot+fy the Cardmember attaarthalderat least 30 days in advance of the expiration of the policy or as permitted by law. Such notkes need not be given if substantially similar replacement coverage takes effect wrthout interruption and is ' ell by the same inwrer. insurance bbeen+reefi~ts wiN still ap to car commenced priorto the date ofsuchcancellation ornon-renewal, provided alt other lama and mndkions of coverage are met. The insurance benefit applies to gar, the Ensured, whose orris are issued by US. furandal irstitupons. These benefits do not apply if Your Eligble Card privileges have been suspended or cancelled. However, insurance benefits will still apply to car rentals commenced prior to the date that Your Eligible Card account is suspended or cancelled provided all other terms and conditions of coverage are met Ail parties are expelled to exercise due diligence and prudentjudgement to avoid or diminish ar~y loss to the property rnsured under the pro~am. Coverage wRl be void if, at any time, tt~e Grdrrrember has concealed or misrepresented any material fact or ciramtstance mnceming this coverage or the subjeo; thereof or the Cardmember's ingest herein, or in the ose of a+ry fraud or false swearing by the Insured relating thereto. No person or ent+ty other than the Cardmember sha8 have any legal or equitable right, remedy, or claim for irrwrorxe proceeds and/or damages under or ansrnqq out of this coverage. Salvage may be requested by the adm~strator. ff salvage is requested, it must be remitted to the admir-istrator at the Cardmember's expense. Failure to remit requested salvage may resuh in denial of the claim. No action at law or in ally sha11 be brought to recover on this coverage prior ib the expiration of 60 days after proof of loss has been furnahed In accordance with the requirements of the DOC. ID {2/00) -23- Jun, 1. 2010 3:22PM The undersigned to unsworn falsifications to ACCOUNT MANAGER (Title) he/she is duly authorized to Amended Complaint are tr belief. No. 2484 P. 7 VERIFI ATION s hereby verify subject to the penalties of 18 PA.C.S. 54904 relating authorities, that helshe is ~ ~-- me) ~f DFS SERVICES LLC ,plaintiff erein, that (Company) this Verification, and that the facts set forth in the foregoing and correct to the best of his/her knowledge, information and ( ign e WWR#7777095 DFS# 8011002880358060 CERTIFICATE OF SERVICE The undersigned ereby certifies that a true and correct copy of the within Motion For Leave to file an Amende Complaint has been sent to the following parties by first class, U.S. Mail, postage prepaid, t 's day of , 2010, as follows: James M. Bach, Esq~lre 352 S. Sporting Hill Road Mechanicsbur~Pa 17050 Lynds~ E. Rowland, Esquire Pa. I. # 205520 WELTtl~'IAN, WEINBERG, & REIS CO., L.P.A. 436 Se enth Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 7777095 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff, v. SANDRA P. TRAN a/k/a SINH PHAN TRANPHON, Defendant. CIVIL DIVISION NO: 09-08353 PLAINTIFF' S AMENDMENT TO THE MOTION FOR LEAVE TO FILE AN AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD FOR THIS PARTY: Lyndsay E. Rowland, Esquire Pa. I.D. # 205520 WELTMAN, WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 .~~ WWR# 7777095 --~- r-~ ~aa ~rn =Tb ; ~3~ .~ ~~~ ..., c~ ~. ~~, ~ kv .r~ n e-~ ---s s --~ t~~ ~.~..I ~.~ _.~ r~!'~ W_ ~.~. _~ ~'~ ~~ `, --t -~.~ c~ -rq -~-~ D~~ .r`J r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, CIVIL DIVISION Plaintiff, NO: 09-08353 v. SANDRA P. TRAN a1k/a SIKH PHAN TRANPHON, Defendant. PLAINTIFF'S AMENDMENT TO THE MOTION FOR LEAVE TO FILE AN AMENDED COMPLAINT AND NOW, comes the Plaintiff, Discover Bank, by and through its counsel, Weltman, Weinberg, & Reis Co., L.P.A., and files the following Amendment to the Motion for Leave to File an Amended Complaint, averring as follows: 1. On or about July 20, 2010, the Plaintiff filed a Motion for Leave to File an Amended Complaint with the Court. 2. Prior to this Motion, the Plaintiff filed a Motion to Amend the Caption of this case, which was granted. 3. Honorable Judge Albert H. Masland was the Judge that entered the previous Order for this case on or about May 3, 2010. 4. Plaintiff has contacted the Defendant's attorney prior to filing the Motion for Leave to File an Amended Complaint and has never received a response to the Motion from the Defendant or Defendant's counsel. 5. Defendant has not filed a reply to the Motion for Leave to File an Amended Complaint. WHEREFORE, Plaintiff prays that this Honorable Court enter an Order granting the Plaintiff leave to file its Amended Complaint. ubmitted, Pa.I.D.i# 05520 WELT , WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 7777095 CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Motion For Leave to file an Amended Complaint has been sent to the following parties by first class, U.S. Mail, postage prepaid, this day of , 2010, as follows: James M. Bach, Esquire 352 S. Sporting Hill Road Mechanicsburg, 7050 Pa. I.D. # 2 5520 WELTM , WEINBERG, & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Phone: (412) 434 - 7955 Fax: (412) 338 - 7130 WWR# 7777095 r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, CIVIL DIVISION Plaintiff, v. SANDRA P. TRAN a/k/a SIKH PHAN TRANPHON, Defendant. NO: 09-08353 ORDER OF COURT AND NOW, this day of , 2010, upon consideration of Plaintiff's Motion For Leave to File an Amended Complaint, it is hereby ORDERED, that the Motion is GRANTED. It is further ordered that Plaintiff is permitted to file the Amended Complaint with the Court. BY THE COURT: J. 0 FILED-OFFICE 2011 J l l:! 1 1 ['11 9: C18 CUMBE NL -;D COUNTY BFit ?'LI!,Ai, A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. SANDRA P TRAN Defendant(s) No. 09-8353 CIVIL. PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire PA I.D. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#7777095 SJS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No. 09-8353 CIVIL SANDRA P `I'RAN Defendant(s) PRAECIPE TO SETTLE DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE TO THE PROTHONOTARY OF Cumberland COUNTY: SIR: Kindly settle, discontinue and end without prejudice to refile the above-captioned matter upon the records of the Court and mark the costs paid. WELTMAN, WEINBER REIS CO., L.P.A. ,QJ By: PA I.D. 9359 WELT INBERG & REIS CO., L.P.A. 1400 Ko rs Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 SWORN TO AND SUBSCRIBED before me this _ day of 2010 OTARY PUBLIC COMMONWEMLTH OF PO MVMIIA Notarial seal Shd& G. Bevan, Notary Pubk Rasa Twp., ANept" County MY Comn"W R V 1 N Nov. 15, 2014 MEMBER, PEWGnvANU AS90== OF ROTARIES