HomeMy WebLinkAbout10-0834
n
110 FES -2
Y- S
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff No: 10 - 834 0,1va Icirm
VS.
HEATHER R STONE
COMPLAINT IN CIVIL ACTION
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
07957615 C A Pit KMJ
0
#qa.00 PO A"
ow-14q,10IgA
P-T* -23'704/
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
VS. Civil Action No
HEATHER R STONE
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:
HEATHER R STONE
9 WESTWOOD CT
ENOLA, PA 17025
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXX4766 .
4. Defendant made use of said credit card and has a current balance
due of $10064.92 , as of November 07, 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
29.990% per annum on the unpaid balance from November 07, 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 , HEATHER R STONE individually , in the amount of
$10064.92 with interest at the rate of 29.9900 per annum from November
07, 2009 plus attorneys' fees of $125.00 , and costs.
games u. armbroat, 2524
WELTMAN, EINBERG REIS CO., L.P.A.
436 Sev h Avenue, Suite 1400
Pittsbu g , PA 15219
(412) 4 7955
FAX: 4 2 38-7130
07957 1 C A Pit KMJ
This law firm is a debt collector attemp ' g to collect this debt for
our client and any information obtained ill be used for that purpose.
"-of 1%7 510,064.92 $10,064.92 Enter Amount Enclosed Below
CARD ---- -- -- - --
Payment Due Date $ :71S 7 b /--?
November 10, 2009 Please make check payable to Discover Card.
Minimum payment due includes a past due
amount of $2,015.00.
15 SE SN6A01 0004634
HEATHER STONE
9 y
oWill ur b?ll online andg to time? us on can be
Your
ou
men
pa
WESTWOOD CT on
to your account
same day. Visit
the
ENOLA PA PA 1 17025-1508 Discover.com/payments today.
PO BOX 6103 111111111 Ill I all Ill 111111 11
CAROL STREAM IL 60197-6103
Address, e-mail or telephone change? Print change in space ltllrilltiitiilllilt?liiililli?tiilllliiiiillilliiitilliiltill
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986618092438113100649200000001006492
Discover Open Road Card Account Summary
Closing Date: October 15, 2009 page 1 of 1
Account number ending in 4766
Payment Due Date November 10, 2009
Minimum Payment Due $10,064.92
Credit Limit $8,250.00
Credit Available $0.00
Cash Credit Limit $0.00
Cash Credit Available $0.00
Previous Balance $10,064.92
Payments And Credits 0.00
Purchases + 0.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 0.00
New Balance = $10,064.92
Cashback Bonus-
Gas & Auto
Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 0.00
CashbackBanusOAnniversary ----------- -- ----- ---------
Date: April 15
How Can We Hel You? 1. Visit Discover.com to pay your bill for no cost, view your
p latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to 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 8,4130
FJQ#!R
I
Finance Charge Summary
Average
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily
Balance Periodic
R
t PERCENTAGE
RATES PERCENTAGE FINANCE FINANCE
s a
es RATES CHARGES CHARGES
current billing period: 15 days
Purchases $0 0.08216% 29.99% V 29.99% $0 $0
Past Purchases $0 0.08216% 29.99% V 29.99% $0 $0
Cash Advances $0 0.08216% 29.99% V 29.99%
$0
$0
The rates that apply to your Account are either fixed (f) or they may vary (V) as noted above
mportant Inhumation. If there Is more than one page to this billing statement, see the back of each page for additional Important Information.
lee your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account o
ost or stolen cards. Report immediately. Call 1-800-347-2683.
Z
m
JIM Rl?ts Stanrrr In Case of Errors or Questions About Your g?II: If you think Your bill Is wron , or If you need more Information about a o
cans Uoh on your Dilt; write to us on a separate sheet of Cappeer at Discover Card PO Box 30421 Sal? Lake City UT 84130-0421 as soon as
ios;I le. We must hear from u no later than 60 days after We sent you the iirsf bill on which the error or problem appeared. you can telephone c
is but doin so will not oresrrve your rights. In your letter, give us the following Information:
Vour na?9 and Account number.
The dollar amount of the suspected error p
Describe the error and explaih. If you can, why you believe there Is an error. If you need more Information, describe the Item you are unsure
(bout N
ou do not have to pa% any amount n question while we are inyveostigsatina, qut you are still blipated to gaty the parts of %u question are not In x
luestion. While we Matti 9ate your qua tion, we cannot report you a deffffn ue t or take any Mion to c Ilect the amount
?peelal Rule for Credit Card Purchases: If you have a roblem with the quality of Roods or services that You purchased with a credit card, and
you have tried in faith to Correct the pproblem with ?ha merchant, ou maY not ave to pad the rematrfino amount due on the goods or services.
!ou have this on only, when the Durehase price was more than 50 anti the purchase Was made In yo r home state or within 100 miles of
tour mailin a dress. ((If we own or obTperate the merchant, or if we mated you the advertisement for the goods or services, all purchases are covered
egardless 61 the amoilnt or location purchase)
'a Send onl our vment and th to rtion of this statement In the enveto ovided. DQ n t send cash. By sendin your ch ck as
leScribed above,a?ltno?ie us to use in?forrr?auon on your check to make an electroi cpi<und transfer from your acco0nt at th? financia?f
nstitt?ton Indira on our check or to process the payment as a check Vansaction. If ayment Is processed as an electronic fund transfer, the
rans er will be for the mount of the check. When We ose Informaton from your check Qo make an electronic fund transfer funds may[ be
yithOrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial
The?piocessln of your payment may be deiaved If you send cash correspppooondence or other items with your payment, Ii You send the payment to
rnV othe[ addresg or lT you use an envelope other than the one Grovtded. Payments received on or after 1 YM at bur urocessfn facility MohdaY
hrou h Friday or on a Weekend or bank holidaV will be posted to your Account as of the next business daV If you have misplced your envelope
.end ur pa ant to Discover Bank, PO Box 6T03 Carol, Stream IL 60197-6103. Please allow 7-10 days fOr delivery. If your payment is return d'
mpall , we reserve the rlght to resubmit it as an electronic debit
Yw can pa your minimum ant or a oreater amount over the telephone, and You can set ®r automatic Da ments. Call us at 1-800-347-2683.
rou will needytlfis statement artd your bank aLCOUnt information. You must an ure that sufficient ds are availa?le In your bank account and all
ransactions must com??YY with U.. law. You will be asked to provide the first I digits of your account statement zip code. gv enteringgg those
lumbers as your electforfic signature, you will be aQreein to thigav, uthorization to allow Os nd your bank to deduct each pyment you authorize
m va?bank unt and INbit it enures to r bank couna plicabe, to dNrocesstn of such
?aYymtnt You ut tell us the amonof ch c red yment ,pu elect, an aont sueas the Mina New ?alance on
ach statmenan an ea ent; hr we most ree notice at least three business dCheduled payment You
a notius hone t 100-34283 r mail at the addlisted in the previ he ous paragraph. Ii YouP pavmntnamour?timay be less thantl tell
fotlYon each m nthlyV statement when Your pay ent will he made and how much it will . You a u to matic ayrha
ndicated on the monthly statement bared On "credits or payments applied during the billing cycle.
'redlt Reng. We ma report Information about your account to credit bureaus. Late avments, missed oa ments, or other defaults on your
1ccount rriay be reflected?n your credit report We nbrmall re rt the status and ?a vme? history of your Abc?unt to credit repoln a enCies each
ttOrtth If yQlr ?e?~ve that our repon is Inaccurate or incomyp+e?lease write us athe followinadd(ess: Discover Card, PO Bdx 156,gWilmington.
)E 19850-psi ease Inc ude Your name, address, home to ep a number and Account num r.
3race Period on Purchases (at least 25 darn). We begin to impose Periodic Finance Chamas on all transactions from the Transaction Date for the
billing period in which it occurs,
ransacUon as shown on ur bn stateme?it unless a transaction is posted to ur Account after the close of g
n which case we in To impose ?eriodic Finance a es on that transaction from the tint day of the billing od
cw eve count We continut1 Peiodic Finance Cha Ch rre ntil the date oou a?our ntre New aance, nVr You thNew lanon your ious tateent tP1e met Due Date own othitVew Balanc, if e bthaet ue Date on ouuent bin tatemenwe will n?t se Priodic Fin
o ane Ces ?n new purchases, that?s,
purchases first appears g on the current bitting statement call this t e "grace perior Thera Is no grace periodgon balance transfers or cash
advances.
Minimum Finance Ch We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of
ass than $.50 would othrwise be Impos
Annual Fee. If your Account has an annual fee it will be billed at the beginning of each anniversary year ur Account Is open. The amount of
he fee a?pean bn the statement when the fee is billed. The annual fee Inot refundable unless you otli?s that you wish to close your Account
Mthin 30 rays of the mailing or delivery date of the statement on which the fee Is billed. You will receive this refund even if you use your Card
luring that period.
ran Finance Charaee. We sort your transactions into groups of purchases, cash advances and balance transfers and then further sort the
Pa""
sac tions within ear rou by the ir An nuat Percentaga Kate. For a amcle purchases subjIect to a ro otlonai rate and purchases sub'ect to a
standard rate would be spare growas We refer to these roues as transaction cat pries. At the end ofineach blliln ppeeriod, we comput balances
and Periodic Finance Charges for each day of the billing plod for each transactlonategory. We use the following ?gUatfon to computeeriodic
Finance Charges for each transaction category.
;Average Daily Balance) times (days In billing period) times (Daily Periodic Rate),
to the finance charge summa on ur blllln statement for these amounts.SS Then we add u ii Periodic Finance Charges for each
oomto get the total Periodic ..Ina.n a Charges for your-Account The Averagb Daily Balance ig shown as zero if, because of the grace
new transactionsff method of lcOtating the balance upon which we impose Periodic Finance
for each transaction rate goN by addiri up all the daily balances in a DIIIin period for a
e number of dT in the billing 6eriod. ?e com ute the daily balance for ea transaction category
RM vour Mrsnuntila ftterlthe close ofcthe hiWno rind in which it occurs. InaV tWhich shown the?u
iS Urit day of the tiilirn ?eriod, we confider the
perod.
t day of your previous 9Illn
%
the exc tion of Cash AdW a Transaction Fee
ce Transfer Transaction Fee Finance Cheroot which
we move the unpaid balance of the balance
saction cate%p7ry However, if the special rate has
sfer and thence Transfer Transaction Fee
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to
unsworn falsifications to authorities, that he is James Ball
(Name)
Team Lead of DFS Services LLC , plaintiff herein, that
(Title) (Company)
he is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint
in Civil Action are true and correct to the best of his knowledge, information and belief.
WWR# 7957615
Heather R. Stone
'6011298659954766
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson'-'
Sheriff V'r .gin }
Jody S Smith ???? FEB b;
Chief Deputy =
Edward L Schorpp CL, a, tt i 'l"
Solicitor,
PIDNN'SYLWANA
Discover Bank
vs.
Heather R. Stone
Case Number
2010-834
SHERIFF'S RETURN OF SERVICE
02/05/2010 05:45 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on February
5, 2010 at 1745 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Heather R. Stone, by making known unto herself personally, at 9 Westwood Court,
Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her
personally the said true and correct copy of the same.
SHERIFF COST: $41.50
February 09, 2010
SO ANSWERS,
;9 2
NY R ANDERSON, SHERIFF
By
uty Sheriff
(c'; cluit"Suue S^.emf' 7 elee5:;ti In.-
f
Joseph T. Sucec, Esq.
325 Peach Glen-Idaville Road
Gardners, PA 17324
(717)325-2359
ID 74482
Attorney for Defendant
ARY
2010 F'irAR 10 Fil, 12: 56
cuj
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
DISCOVER BANK
plaintiff
v.
HEATHER R. STONE
defendant
10-834 Civil term
CIVIL ACTION - LAW
ANSWER
AND NOW COMES Defendant Heather Stone, through her attorney Joseph T. Sucec, Esq., answering
the Complaint in this matter, averring as follows:
1. Admitted to the extent of Defendant's knowledge.
2. Admitted.
3. Neither admitted nor denied without further information from Plaintiff.
4. Neither admitted nor denied without further information from Plaintiff.
5. Denied as to the factual averments made by Plaintiff in the corresponding paragraph. As for the
multiple legal conclusions made therein, including but not limited to "default," no answer is required.
6. Denied as to the factual averments made by Plaintiff in the corresponding paragraph; Plaintiff will be
held to strict proof at trial as to the existence of any agreement at all between the parties, much less an
agreement that includes the terms stated in the averment. As for the multiple legal conclusions made
therein, no answer is required.
7. Denied as to the factual averments made by Plaintiff in the corresponding paragraph; Plaintiff will
be held to strict proof at trial as to the existence of any agreement at all between the parties, much less
an agreement that includes the terms stated in the averment.
8. Denied as to the factual averments made by Plaintiff in the corresponding paragraph; Plaintiff will
be held to strict proof at trial as to the existence of any agreement at all between the parties, much less
an agreement that includes the terms stated in the averment.
1r
e
9. Denied.
WHEREFORE, Defendant Heather Stone respectfully requests judgment in her favor, and that she be
required to pay Plaintiff nothing in the above matter.
Respectfully submitted,
3?
'#-A7Ze oseph T. Sucec, Esq.
AFFIDAVIT OF VERIFICATION
As the Defendant in the ongoing case I swear that the facts above set forth are true and correct to the
best of my knowledge, information and belief. I expect to be able to prove the same at any hearing held
in this matter. I understand that the statements herein are made subject to the penalties of 18 Pa. C.S.
4904 relating to unworn falsification to authorities as set forth at 52 Pa. Code 1.36.
-311110
40
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
DISCOVER BANK
plaintiff
v. 10-834 Civil term
HEATHER R. STONE
defendant CIVIL ACTION - LAW
CERTIFICATE OF SERVICE
I hereby affirm that on I served a true and correct copy of the Answer in
the foregoing case, by first-class mail on the following:
James C. Warmbrodt, Esq.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
IN THE COURT OF OMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK ,
Plaintiff,
vs.
HEATHER R STONE ,
Defendant.
Case No.: 10-834 CIVIL TERM
MOTION FOR SUMMARY JUDGMENT
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R Bibler, Esquire
Pa. I.D.#93598
Weltman, Weinberg & Reis, Co.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-7955
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W WR No. 7957615
I
IN THE COURT OF OMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK ,
Plaintiff, ', Case No.: 10-834 CIVIL TERM
vs. ' MOTION FOR SUMMARY JUDGMENT
HEATHER R STONE ,
Defendant.
MOTION FOR SUMMARY JUDGMENT
ns 1 eltman Weinber & Reis Co.
AND NOW COM S, Plaintiff, by and through rts cou e , W g ,
L.P.A., and hereby files th's Motion for Summary Judgment against the Defendant. In support thereof,
Plaintiff avers as follows: '',
II
1. Plaintiff f led a Complaint against Defendant seeking judgment in the amount of
$10,064.92 with interest at I~the interest rate of 29.99% per annum from November 7 2009, Attorneys Fees
of $125.00, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and
made a part hereof. ',
2. Attached t~ the Complaint was Verification from an authorized representative of Plaintiff
verifying the accuracy of tl~e amount sought. See Exhibit "A".
3. Defendant filed an Answer to Plaintiffs Complaint. A true and correct copy of the
Answer is attached hereto ads Exhibit "B" and made a part hereof.
4. On or arq~und May 3 2010, Plaintiff served upon Defendant a set of requests for
admissions and requests fc~r production of documents. A true and correct copy of the same is attached
hereto as Exhibit "C" and made a part hereof.
5. No respon~e to the discovery demands has been received from the Defendant.
6. The reque is for admissions are now deemed admitted under Pennsylvania Rule of Civil
Procedure 4014(b). Thus efendant has admitted that she has made no payment on the credit card since
WWR No. 7957615
i
February 8 2009; that she plied for the credit card; that the statements. attached to Plaintiff s Discovery
Request correctly identify t e payments, charges, and balances on the account; that she has not submitted
any. written disputes as to tDilling inaccuracies; and that $10,064.92 is a correct and accurate balance on
the credit card account. ~
7. By way oft her Answer, the documents attached to this Motion, and the Requests for
Admissions, deemed admit~ed under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to
this matter and verified the amount owed.
8. There are ~o meritorious defenses against this action and Plaintiff is entitled to summary
judgment as a matter of La~v against defendant.
WHEREFORE,
in favor of Plaintiff and
per annum from November
f respectfully requests that this Honorable Court grant summary judgment
Defendant for $10,064.92 with interest at the legal interest rate of 29.99%
7 2009, Attorneys Fees of $125.00, and costs.
Respectfully Submitted:
By: ~
Benjam' i er, Esquire
Pa. LD 9 598
Weltm ,Weinberg & Reis, Co.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-7955
WWR No. 7957615
IN THE COURT OF COMMON PLEAS OF Ci7MBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK 'I
Plaintiff No:
vs. COMPLAINT IN CIVIL ACTION
HEATHER R STONE
Defendant I FILED ON BEHALF OF
plaintiff
COUNSEL OF RECORD OF
!, THIS PARTY:
I
~i 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
~~ 07957615 C A Pit KMJ
Ex~~~ir
e~
I!
IN THE COURT OF COMM N
DISCOVER BANK
Plaintiff
vs.
HEATHER R STONE
De~end~nt
PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Civil Action No
AND NOTICE TO DEFEND
You have been s ed in court. If you wish to defend against the
claims set forth in he following pages, you must .take action within
twenty'°`('20) days aft r this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your efenses or objections to the claims set forth
against you. You ar warned that ~f you fail to da so the case may
proceed without you d a judgment may be entered against you by the
court without furthe notice for any money claimed in the complaint or
for any other claim r relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TARE~THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR OT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND UT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT A FORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH NFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES 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
COMPLAINT
1. Plaintiff, DIS
ALBANY ROAD NEW AL
2. Defendant is
below:
HEATHER R STONE
9 WESTWOOD CT
ENOLA, PA 17025
BANK is a corporation with offices at 6500 NEW
OH 43054 .
~t individual(s) residing at the address listed
3. Defendant applied for and received a credit card bearing the
account number XXXXX~XXXXXX4766 .
4. Defendant made u$e of said credit card and has a current balance
due of $10064.92 a~ of November 07, 2009 .
ailin to make monthly payments when
5. Defendant is in ~efault by f g
due. As such, the eni~ire balance is immediately due and payable to
Plaintiff..
6. Plaintiff is ent~tled to the addition of interest at the rate of
29.9900 per annum on the unpaid balance from I~7ovember 07, 2009 A
copy of Plaintiff's ~tatement is attached hereto, marked as Exhibit
~~ 1" and made a part ~.ereof .
~, a ~ Sn
7. Plaintiff avers hat the Agreement between the parties provides
that Defendant will pay Plaintiff's attarneys' fees_
8. Plaintiff avers
9. Although repea
willfully failed a
Wherefore, the
against Defendant ,
$10064.92 with inte
07, 2009 plus attor
that such attorneys' fees will amount to $125.00 .
ly requested to do so by Plaintiff, Defendant has
or refused to pay the balance due to Plaintiff.
laintiff prays for Judgment in its favor and
FATHER R STONE ,individually in the amount of
st at the rate of 29.9900 per annum from November
vs' fees of $125.00 and costs.
~. uctiu~co ....
~, WELTMAN,
436 Seve
Pittsbu
I ( 412
FAX : ~ 4
07957 l~
This law firm is.a d~bt collector attemp ~
our client and any i~aformation obtained ilk
ill
INBERG ~& REIS CO., L.P.A.
h Avenue, Suite 1400
PA 15219
7955
38-7130
C A Pit KMJ
to collect this debt for
be used for that purpose_
., ,:~~.
~~q,~~,;,~ ~ iG1R SF0,664.92 I, i 510,064.92 J Enter Amount Enclosed Below
CARD
i
Palvnenr Due Date
$ 7QS7 61$'- ~~
i November f 0, 2009 please make check payable to Discover Card.
Minimum payment due includes a past due
amount of 52,015.00.
15 SDSN6A01 0004634
FFEATHER STOflE
WiA your payment get to vs on timeZ Pay
yow bit! online and your payment can be
9 wESTWQOD CT made to your acwunt on the same day. Visit
fNOLA PA 17D25-1508 Discover.com/payvrsantctoday.
ICI PO BOX b103 S~'ris~~unu(~~~r~rr~~i~~
' CAROL STREAM IL 60197-bID3
Address, email or telephone change$ Print a in space (,~tii~~ir~rn~~~r~t~~~n~~~(uuiE~j~nn~~~i~~n~n~(u~~~~~
above, or go to Discover.com. Print your e~ma I address to
receive imporianf Account informatwn ands cis) offers.
DDOD0198661809243811~ 10064920DDDDD01006492
Discover Open Road Card Account Summary .
', Closing Date: October 15, 2009 page 1 of "i
Account number ending in 4765
21009
10
b
N PreviousBalance
ments And Credits
Pa $10,064.92
- 0•~
Payment Due Date ,
ovem
er y
Minimum Payment Due $10,064.92 I Purchases + 0.00
Credit Limit $8,250.00 ', Cash Advances + 0.00
Credit Available $0.00 ', Balance Transfers + 0.00
Cash Credit L{mit $0.00 !, Finanee Charges + 0.00
Cash Credit Available $0.00 ' New Balance = $10,054.92
CashbQCk Bonus I~ Opening Cashback Bonus Balance $ 0.00
Naw Cashback Bonus This Period + 0.00
Gas & Auto '~
' Cashback Bonus Balartce S 0,00
Cashbaek8anus~=An~verso --•---•---- -----------------~ •---.:.- _......__ _-.-......_.
y-----•----,,
Date: April 15
1. Visit Discover.com to pay your bill for no cost, view your
How Can We Hefp You? ~' latest Account information, cam and redeem rewards and more
~t`5 your choice - 3 ways to he~~ 2. Caq 1.800-DISCOVER (347.26831 for fast, eary selfservlce
options or to speak with a Customer Service Account Manager
Please have your Discover Cord ovatlabls. 3- Write us at Discover Card, PO Box 30943,
For TOD (ossisiance for hearing impaired) see reverse side Sak lake City, t1T 84130
!, EXNfB~'
Finance Charge Summc
Average
Dai
n
l
ces
0
current billing period: 15 days
PurcF~ases $D
Past Purchases $0
Cash Advances $0
The rates Thal apply to your Account are
Nominal Transaction
Daily ANNUAL. ANNUAL Periodic Fes
Periodic PERCENTAGE PERCENTAGE FINANCE FWANCE
@afes RATES RATES R~ CHARGES
0.08215% 29.99% V 29.99% $0 $0
0.08215% 29.99% Y 29.99% $0 $0
0.08215% 29.99% Y 24.99% $0 $0
• fixed (Fl or they may vary (Vl as noted obove.
portent Intormatlon. If there IS more than one page to this billir~ statement, see the back of each page iw additional important information.
e your Cardmember Agreement. Your Cardmember Agreement gntain5 all the terms Of your Account
st or sto{en cards. Report Immedlatelyi Ca111-600.947-2889.
Ifin Ri is 6umtnary. 10 Case of Errors w Questions About Your 'll: if you think your bill Is wro w H ~ UT~B4~EA42, Mt1~t~rt a
~nsectl~wt your hkti, write to us on a sepGrate sheet of Dauer at iscovtr Car PD Owr 30421 ~~~kE prb a~eeda. `1ou can tole hone
ssible. wt must near from vrnI na later than 60 days after Wes t yo4 ~he i rs b~ll on which the error or blem appe p
Dut doln so wle not s6rve lrour rights. In your letter, glut us the of owlltg in ormation:
1f ur nam~ and Accwml humber.
rRe dollar amount of the sus error
Describe the error and eXptal , If you can, why you betleve there s an error. II you need more information, describe the item you are unsure
u do hhove to yan dmount In question while we art iinve aDt~, but you ate sWl obit ated m flu of r hilt that are not In
iesiion~hiie we Pamresti~ate your question, we cannot repoM1 you ~ delfnquedt w takt any ac~iai to I fhE amwnt you qusstloa
tecfal Rule tor' Crod t Card Purchases: I! you have a Woblem wi the quality of mods or services tna~ ~rudtased with a uedlt caN, and
~~ have tried In with to Cow the problem with lhe~rcif nt m~a~I not I~tave to PaY the coma ng~ mount duc on the moods w sentG~.
w have this o ohly wit the ase ce was e n SD and the rcftase was made in r home state or wittu'h 10D miles of
cur matbn~ dras. ( wt oWn or o~ate the• trehant or r we a ed the adveriaement for the s or senAces, all purchases are covered
gardless the nt w location purchase)
avnetds. Send on aLUtwt e e ioand line to an of this sta menl~n the ~NE ettp~oviQEQ D~ n~t setkf cash~d' ~aN ~~Clc as
;fcribed above, z us use niorrl~afiolt on vaur chec tom an and trans er rpm your a at h~ inane
stitution ipdice on ~ottr check w to process the paarfnent as a edc trartsactlon. tt nent is processed as an el is fund trans er the
ensfu w[If ba for the mount of the check. When we se infw n Trapyour check eke ~r decUOnIC fund transfer funds matt bE
rthdrawn from your account as soon as the same day we receive payment and you ti not receive your check hack from your nancial
sYtltu4lon. ~owuPar day ~~ you Ee ~ basin 1 aY~ (F you tv
~raug PE~~~or~ o ~ of nwe~kue'nd~ a ~~ ~I 6f03 Cams.Stream, t 6~Or1A9~~~ ai-o~rr r-iv dajtsdiw rdefNery. it lyou~ e~~r~~~ to
ou
ens
um!
net
:race
Manse
i n whl
w
dlfCh89e5 firsrappearing On U1e Currsm ounng sta~nan~ •ro ~a~i
edYdriCes.
edss~tS 60 vatpuldtreoth~twlseEbe imposea.E ~ a minimum FINI
trmusi Ftt. If vour Account has an annual fee i will be Iled r
he fee aC ears bit the statement en the Tee is ~Iled The ann
vithln 3D ~a of the mailing w d~ivery date of the statement on
taring that ~eriod.
yeti Flnahce Char s. We sort. ur tnnsacllons into roup:
't'-~u ~'iide~~gr°"~u Qa~EOfEine b!R gs~EP~ri~o
ind Pulodic Ina~ce areas iw
•inance Charges or each rans~tlan cat i}r.
;Average Daily Belar>ce) times (days 4t billing period, times (Dally
Neu may rater to the itnanCe chartle_summaty on your bitting sta'
bureaus. Late cots, r~rrttlssed ~paym~n~~ts, w other der alts on ur
Tvar ixtwnt to credit re ~r~ a~nCles each
and AccortMrtq adodressr Discover Card. PO Bdx 1531&,l+Ylimingtar.
tolw~uA ~aittt aGfter~rafh eloseot the~'i toaEUerralod In vmfilch it toociurs
;lion iron the firsE day of the blllin od In which It is to vour
;u,~e~ ore nee ~aha"wi.nn~m ~nl~r~ystmatE~un en~ nacre ~Ife.
Ehe ^grece penga.^ I nere is no grace penog an ga~amz uenaia~s U wN~
CNARSE of 5.50 for any billing period in Which Periodic Flnance Charges of
peoinnin of each annivetsa usrthat~ntwlsh~OncloTse am Accot°fint
e if not ~tund~le unless ~r you YW
h the fee is billed You wl receive this retuAd even If you use your Card
N purchases, cash advances and balance trartsiers and then fuAher sort the
r ekamolt.mpur ses subiecl to a promotion to and purchases subkct to a
s s ca rtes. t the en or ach ~i~lifn period, We compu Baia s
each transaetl~tegory. We use rite €dlowing gq a on to compute Perin I~c
c Rate).
for tgtse amounts.) Thep we add up Dte Periodic Finance Charges for each
count The Average Dai Balance is shown as zero if, because of the grace
I off Ic) rig the balance u Which we Impose Periodic Finance
sqpry bya~ing~up air the da I~y halanc in a billln period for a
bDIIdC Period. We comout~tnE~d i~l r pbaa~artce for ea Y~tairansactlon cat pry
nx: tYansacfi~ bliidth wlod t whicn IttEOc irshat, inaWhicti caz~e the~~
tie close of vary es
IIRnq pert then sUtitraeU~ is awn ~uedtElf n ~menisE th ~a~Ea Riled ay
e; a a
rite da wianc roc tnr'~ rr~t g~ ~,e u n rind, we leer rite
~tiort ~gor~ on ~tte last day dur ~~ rind
nsaction c e~ with the ex p(ion of Cas~ A ~e Transaction Fee
~......se...,.... R.I tZ.l~nr' Tnn:rrer Transaction Fee Finance Charges Whleh
m
D
0
0
0
A
a
The undersigned
unsworn falsifications to
(Title)
he is duly authorised to mal
in Civil Action are true and
W WR# 7957615
Heather R. Stone
'6011298659954766
VERIFICATION
hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to
>rities, that he is James Ball
(Name}
_ of DFS Services LLC ,plaintiff herein, that
(Company)
this Verification, and that the facts set forth in the foregoing Complaint
greet to the best of his knowledge, information and belief.
Joseph T. Sucec, Esq.
325 Peach Glen-Idaville Road
Gardners, PA 17324
"~
,J (7I7}325-2359
``
` 1D 74482
~ Attorney for Defendant
1
~.
1
~ DISCOVER BANK
S plaintiff
v.
HEATHER R. STONE
defendant
ANSWER
10-834 Civil term
CIVIL ACTION -LAW
AND NOW COMES Defendant Heather Stone, through her attorney Joseph T. Sucec, Esq., answering
the Complaint in this matter, averring as follows:
1. Admitted to the extent of il~efendant's knowledge.
2. Admitted.
3. Neither admitted nor denied without further information from Plaintiff.
4. Neither admitted nor denied without further information from Plaintiff.
5. Denied as to the factual av rments made by Plaintiff in the corresponding paragraph. As for the
multiple legal conclusions de therein, including but not limited to "default," no answer is required.
6. Denied as to the factual av rments made by Plaintiff in the corresponding paragraph; Plaintiff will be
held to strict proof at trial as the existence of any agreement at all between the parties, much less an
agreement that includes the t rms stated in the averment. As for the multiple legal conclusions made
therein, no answer is require .
7. Denied as to the factual av rments made by Plaintiff in the corresponding paragraph; Plaintiff. will
be held to strict proof at trial to the existence of any agreement at all between the parties, much less
an agreement that includes th terms stated in the averment.
8. 13enied as to the factual av rments made by Plaintiff in the corresponding paragraph; Plaintiff will
be held to strict proof at trial s to the existence of any agreement at all between the parties, much less
an agreement that includes th _terms stated inthyerment.
!!
'~, _. _^
2F? 1~ i~iF'~ S 1 V !~ ~'L.' V
IN THE COURT OF COMMON PLEAS
MBERLAND COUNTY, PENNSYLVANIA
I
9. Denied.
WHEREFORE, Defendant H ather Stone respectfully requests judgment in her favor, and that she be
required to pay Plaintiff nothing in the above matter.
Respectfully submitted,
~ --~ .,
ii / ~
oseph T. Sucec, Esq.
AFFIDAVIT OF VERIFICATION
As the Defendant in the ongo g case I swear that the facts above set forth are true and correct to the
best of my knowledge, info ation and belief. I expect to be able to prove the same at any hearing held
in this matter. I understand t t the statements herein aze made subject to the penalties of 18 Pa. C.5.
4904 relating to unsworn fats fication to authorities as set forth at 52 Pa. Code 1.36.
DISCOVER BANK
plaintiff
v.
HEATHER R. STONE
defendant
i
~' IN THE COURT OF COMMON PLEAS
C MBERLAND COUNTY, PENNSYLVANIA
10-834 Civil term
. CIVIL ACTION -LAW
CERTIFICATE OF SERVICE
I hereby affirm that on 3 ~
the foregoing case, by first-cl
James C. Warmbrodt, Esq.
436 Seventh Avenue, Suite 1
Pittsburgh, PA 15219
~ I served a true and correct copy of the Answer in
on the following:
`~`~~~~
I
1N THE COURT OF OMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
.CIVIL ACTION
DISCOVER BANK,
Plaintiff,
v, NO.: 10-834 CIVIL TERM
HEATHER R STONE,
Defendant.
PRODUCTION OF DOCUMENTS
Plaintiff demand that the defendants answer and respond to the following Request for
Production of Document under oath pursuant to the Pennsylvania Rules of Civil Procedure
within 30 days from the d to of service hereof.
Plaintiff also dei ands that defendants answer and respond to the following Request for
Admissions pursuant to P .Rules of Civil Procedure 4014.
You are requested to adrr~it the truth of each of the statements of fact hereinafter stated. You are
instructed that: ~'
1. These re nests are made under Pennsylvania Rules of Civil Procedure 4001, et
seq., and each of these afters of which an admission is requested shall be deemed admitted
unless your sworn statem, nt in compliance with such Rules is timely made.
2. If you do not admit each of such statements, you must specifically deny each one
not admitted or set forth i~ detail the reasons why you cannot truthfully either admit or deny each
such matter.
3. Your ans er, signed and properly verified, must be delivered to the undersigned
attorney of record for the Plaintiff within thirty (30) days after delivery hereof.
4. If you f it or refuse to admit the truth of any such statement of fact and the
Plaintiff thereafter prove the truth thereof, you may be required to pay the reasonable expenses
incurred in making such roof, including attorneys' fees, witness expenses, etc.
5. If, in res
the statement is true in p~
separately as to each part
6: If you
different if answered in
~onse to any of the following statements of fact, it is your position that
rt or as to some items; but not true in full or as to all items, then answer
~r item.
ve been sued in more than one capacity or if your answers would be
-y different capacity, such as partner, agent, corporate officer or director
EXHIBIT
or the like, then you are equested to answer separately in each such capacity. Failure to do so
constitutes an admission ~ri any such capacity.
In these Reauests for Admissions:
A. he word " erson s " means all entities, and, without limiting the
generality of the forego ng, includes natural persons, joint owners, associations, companies,
partnerships, joint ventur s, trusts, and estates;
B. he word "document(s)" means all written, printed, recorded, graphic, or
photographic matter, or, ound reproductions, however produced or reproduced, pertaining to any
manner to the subject ma er indicated;
C. he words "identity", "identify", "identification", when used with
respect to a erson s me ns to state the full name and present or last known address and business
address of such erson s acid, if an actual person, his present or last known job title, and the
name and address of his resent or last known employers;
D. he words "identity", "identify" "identification", when used with respect
to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise
participated in the creatio of the same, the name(s) of the addressee or addressees if any and the
names} and address(es) of each ep rson who have possession, custody, and control of said
document(s). If any such document was, but is no longer in your possession, custody, or control,
or in existence, state the ate and mamier of its disposition; and
E. 'I1'he word "identi "when used with respect to an act (including an
alleged offense), occurre ce, statement, or conduct (hereinafter collectively called "act"), means
to (1}describe the substa ce of the event or events constituting such an act, and to state the date
when such act occurred; (2) identi each and every erson s participating in such an act; (3)
identi all other erson s (if any) present when such act occurred; (4) state whether any minutes,
notes, memoranda, or of er record of such act was made; (5) state whether such record now
exists; and (6) identi t e erson s presently having possession, custody or control of such
record.
8. Unless o herwise indicated, all Requests herein relate to those certain events,
persons, and period of ti a more fully described in the pleading in this case.
9. These
These Requests
supplemental answers a~
the filing of responses I
answers and documents
documents provided pu
and documents by su
information becomes kn
If objection is n
requests for which there
are of a continuous nature.
r Production of Documents shall be deemed continuing so as to require
documents if any information of documents are acquired subsequent to
eto, which information or documents would have been included in the
oduced had it been known or available at the time the answers and the
.ant hereto were produced. Defendants shall supply such information
lemental answers and production of documents as soon as such
~n or available and in all events, prior to trial of this action.
je to any requests for production of documents, it is demanded that the
no objection be answered and furnished within the aforesaid period.
Ii
II
All documents id ntified in response hereto shall be organized and labeled to correspond
with the request to which it pertains. For all documents produced, list the individual and his or
her job title and departm nt from whose files it was produced and the current custodian of said
document.
If a document cared for is believed to exist or is known to exist, but is in the possession,
custody or control of anotther person or party, the existence of the document, the identity of the
possessor, custodian and one in control of such documents shall be provided along with any
applicable common description or citation utilized by the publisher, possessor, custodian or
disseminator of such docdment.
If any document' called for by this request is withheld on the basis of any claim of
privilege or any similar c~aim, identify that document as follows: author; addressee; indicated or
blind copies, date, subje~t matter; number of pages; attachments or appendices; all persons to
whom distributed, shown or explained; present custodian; and nature of the privilege or similar
claim asserted.
REQUEST FOR PRODUCTION OF DOCUMENTS 1:
Produce any and ~I1 documents evidencing proof of all payments on the subject credit
card referenced in the Complaint, including, but not limited to, cancelled checks, receipts,
coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries,
diaries, charts, lists, phonje records, data compilations etc.
REQUEST FOR PRODUCTION OF DOCUMENTS 2:
Produce any and Mall documents you intend to introduce and/or provide testimony on as
evidence at the time of
Defendant applied for th
Admitted
Denied
If the answer to Request
documentation supporti~
card referenced in Plaintiff s Complaint.
.r Admissions No. 1 is "denied", then supply specific written
the denial.
REQUEST FOR ADMISSION N0.2:
The attached monthly statements, from May 12 2006 through October 15 2009, correctly identify
the payments, charges, ar~d balances on the account.
Admitted
Denied II'
If the answer to Request i~'or Admissions No. 2 is "denied", then supply copies of canceled
checks, both front and ba~k, and/or if not available, specific written documentation supporting the
denial.
The last payment on the a
Admitted
Denied
If the answer to Request
documentation supporti
was made on February 8 2009.
r Admissions No. 3 is "denied", then supply specific written
the denial.
Defendant has not su
card in question.
Admitted
Denied
1f the answer to the Requf
any written dispute as to billing inaccuracy concerning the credit
for Admissions No. 4 is "denied", then supply copies of specific
written disputes as to any billing inaccuracies.
$10,064.92 is a correct ar
Admitted
Denied
If the answer to Request
accurate current balance of the credit card account in question.
Admissions No. 5 is "denied", then supply specific written
documentation supporting the denial.
THIS IS AN ATTEM
OBTAINED SHALL
TO COLLECT A DEBT AND ANY INFORMATION
USED FOR THAT PURPOSE. /~
William T Molczan, squire
PA I.D. #47437 /
WELTMAN, WEINBERG & REIS
CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-79555
WWR: 7957615
DEFENDANT'S VERIFICATION
I,
subject to the penalties
authorities verify that
(please print) under penalty of perjury and
18 Pa.C.S. Section 4904 relating to unsworn falsification to
foregoing Responses are true and correct to the best of my
knowledge, information and belief.
Date
Signature
I
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiff's First Request for Production of Documents and
Request for Admissions lI as been served by U.S. Mail, on the day of ,
I
2010, upon the followings
Joseph Sucec,Esquire
325 Peach Glen-Idaville
Gardners Pa 17324
YOUR DISCOVER. CARD (ACCOUNT
CARDMEMBER AGREEMENT .........................~... Pages 1-13
The teens and conditions of your Account, ncluding how we p~ulate finance charges, our fees and an Arbitration of Disputes section. You have the right
to reject the arbitra$on provision with re to your new Account within 30 days after n~oeiving your Card, as explained in the Right to Reject
Arbitration" section at page 12.
PRIVACY POLICY
Pages 1-16
A summary of the personal information we Ilea, when it may be shared with others, and how we safeguard the confidentiality and security of
information. You may limit our sharing of sr~eh information with others as explained in section 4 of the Privacy Policy at page 15.
BILLING RIGHTS ..............................................~. Pages 16-17
Important information about your rights anc~ our responsibil'Ities under the Fair Credit Billing Act
DESCRIPTION OF COVERAGE .....................
The terms and conditions of the Schedule
Accident Insurance and the Secondary R.
Collision Coverage that is provided at no
you when you use your Card to purchase
tickets or rent an automobile.
GLOBAL TRAVELER'S HOTLINE ...................
The terms and conditions of this free travel
®2009 Discover Bank, Member FDIC
CA[~DMEMBER AGREEMENT
. Pages 16-25
Air Travel
~tal Car
aroe to
Page 25
alnce benefrt.
TL21HI.0509
Please read this Agreement carefully before using your iscover" Card Account tt contains the teens and conditions of your Account, some of which may have changed from earlier
materials provided to you. In the event of any differen ,this Agreementshall control. We respect your privacy. Seethe Privacy section on page 9 and our Privacy Policy for additional
information. The Arbitration of Disputes section on page 71 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 71
describes the procedure you must follow if you desire t reject the Arbitration of Dispu~s section.
DEFINI110NS
USING YOURACCOUNT
YourAcceptance of this Agreement ........... ....................! r............. ............. 2
Permitted Uses of YourAccoun< ................. .................... ~............. ............. 2
Prohibited Uses of Your Accamt ................ ......... 3
Purchases and Cash Advances r Foregn Currencies .. ~ ............. ............. 3
Cash Advances ........................................... .................... ' h............. ...............3
Balance Transfers ....................................... ...................! r............. ..........:.. 3
Credit Autlior¢ations ................................... ...................! .............. ............. 3
Authorized Users ......................................... .....................' ~............. ............. 3
Unauthorized Use .....:.................................. ...................! r............. ............. 3
Your Credit Lines ......................................... .....................! r............. ............. 4
MAKING PAYMENTS ........................................ ..................... ~............. ............. 4
Promise to Pay ............................................ ....................: r............. ............. 4
MoMhy Billing Statement ............................ .................... r............. ............. 4
Monthly Payment Optans ........................... .....................' .............. ............. 4
Auto
Bil
~
I ............. ..........
.. 5
~ Ap
~ Paymenis
................... .................... ~ ............. :
............ 5
Mrinum Monthy Payment ......................... .........:........... ............. ............. 5
Skip•A-Payment Offers ................................ ..................... ~
............. ............. 5
Credit Balances ........................................... ..................... ............. ............. 5
FINANCE CHARGES .......................................................
How We Calculate Periodic Finance Charges..........
How We Calartate Your 6~tances .............:...:.^........
Variable or Foced Interest Rates ................................
DefauR Rate ...............................................................
Cash Advance Transaction Fee Finance Charges...
Balance Transfq Transadan Fee Finance Charges
Foreign Curency Tr~rsaction Fee Finance Charges ..................................8
Minimum France-Charge .........................................................:................ 8
FE~S ..:.............................................................................................................. $
Annual Fee ...................................................................................................8
Late Fee ............................................................................
Overiimit Fee .....................................................................
Returned Payment Fee .....................................................
Returned Discover Card Check Fee .................................
Pay-By-Phase Fee ............................................................
Research Fee ....................................................................
DEFAULT AND CANCELLATION ...........................................
Types of Defauk ................................................................
Consequerx:es of Default ...........................................:......
Cancellation .......................................................................
PRNACY AND OUR COMMUNICATIONS VVfT}i YOU .........
Our Privacy Policy .............................................................
Reporting to Credit ReportingAgencies ............................
Out Comrrwnications with You ..........................................
Releasing Information About Your Account ...............:......
Electronic Notices to You ..................................................
Noices - Changes to Your Information ............................
CLAIMS AND DISPUTES .......................................................
Merchant Disputes ...............................:....:..........:............
Chan Nofices ..........................................................:.........
Arbitration of Disputes ...........................::.........:................
Rght to Reject Arl>itration ..............................:..................
LEGAL INTERPRETATION OF THIS AGREEMENT ............
Severability .......................................................................
Compliance with Interest Rate Lanitations ........................
Govemng Law ...................:..............................................
ASSIGNMENT OF ACCOUNT ...........:..:................................
CHANGES TO THIS AGREEMENT .......................................
DEFINITIONS
"Account' means your Discover Card Account.
"Authorized User' means any person whom you author¢e
"Card" means any one or more Discover Cards issued io yc
"Pricing Schedule" means the document aocompanyaxxl yc
"We," "us" and "our" refer to Discover Bank, the issuer of
"You," "your„ or "yours" referto, in addition to you, the Ca
USING YOUR ACCOUNT
.......... 9
............9
.......... 9
................... 9
......................... 9
....................... 10
....................... 10
...................... 10
10
..10
..10
..10
..11
..12
..13
..13
..13
..13
..13
..13
use your Account. or a Card, whether you Hotly us or not
or someone else wfih your autha¢ation.
• Card and Gstng the F"Hance Charge rates that apply to your Account The Pricing Schedule is part of this Agreerr~r>i.
ur Discover Cana.
any other person or persons who are also contractually liable under this Agreement
Your Acceptance of this Agreement The use of your Ant or a Card by you ar an Authorized User, or your faikrre to cancel your Acookmt within 30 days after receiving a Cana, means you accept
thisAgree-meet, including the Arbitration of Disputes section page 11. You may, however, reject the Arbitration of Disputes section as expNained on page 12:
Permitted Uses of Your Account YourAocount may be used for.
Purchases - to purt;hase or lease goods or services from -ticipatng merchants by presenting your Card or Accamt number or by usng promotional checks, whidr we may famish to you, in
accordance with such additional terms and condtions as we offer from time to tare.
Cash Advances - to obtao rastr advances from participatng automated teller mache~es, fiancal institutions or other locations, the purchase of bttery tickets, racetrack wagers, vouchers redeemable
for cash or for casino chips, money orders, trader's checks, savings bonds, foreign currency and wire transfers, or by means of cftecks which we may fum'rsh to you, ah n accordance wAh such
additanal temps and ryronditions as we may offer from tame to acre.
Balance Transfers - to transfer bak~ces from other aeditor~ or to make other transactions by means of balance transfer coupons or checks, in accordance w'rfh such add~kmal terms and conditions as
we may offer from tine to time.
M addition, you Accamt may be used to guarantee at
parfio-Fpating estabCrshments. tai wdl be liable for guarant reservations that are not canceNed prior to the time specfied by the establishment. tau Account may be used fa personal, family,
household and chardable purposes.
Prohibited Uses of Your Account Your Account may not used to obtain loans to purchase, tarty ar trade in searrities, to pay any amount you owe under thisAgree-rrrent or for any transactions
that ore unlawful wtrere you reside or where you are physics logted wtrerr you use the Acoagrt th initiate the transaction ('Prohibited Transad'ans'.
Purchases and Cash Advances in Foreign Currencies. If you make a purchase or cash advance in a forego currerxy, l wort be converted to U.S. dollars using either a govemreM-mandated rate, a
government-published rate or the interbank excfiange rate, ~errda,g on the country and crrency in which the transaction is made. The rate used will be the rate in effect on the conversan date for the
transaction, which may be different than the Transak~ion Dat as shown on your statement.llVe charge a Foreign Curtency Transaction Fee Farance Charge for each purchase made in a forego
arrency as desuibed in the Foreign Currency Transaction Fnance Charges section on page 8.
Cash Advances. We may periodically offer you special on cash advances for the lane period specified n the offer, subject to the DefauM Rate section. The offer may contain a Cash Advance
Transaction Fee Finance Charge for each cash advance. Aft the expkation of the spekaal rate, the standard Annual Percentage Rafe for cash advances will appy.
Balance Transfers. We may periodically offer you the o oily to make balance transfers from other aedrtors or fD make other transactions to your Account by means of balance transfer coupons
or checks. Ead~ offer vuiti contaar an aritial specal rate, wh' wtil be the Annual Percentage Rate that wtil appy to trar>sferred balarroes for the tame period specified in the offer, subject to the DefauA
Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balar-ce transfer made during the term of the offer, as drsdosed n the offer and as set forth a the Pricing
Schedule, 'rf appl'ncable. After the arpaatioaAf this time period the Annual Percentage Rate that applies for purnhases will appy to trans-tarred balances. Balance transfers subject to the 'nfial specal
rate are relayed to as specialrafe balance traces; tiatainceitransfersfor wArich the affial specal rate has expired are referred to as purchase rate balance transfers.
-Each offer will contain an expiation date. ff you attempt to star balances by means of a check after the expiration date, we will treat the transaction as a cash advance. VJe will not make balance
transfers atlempted by means of a coupon after the ex ' date.
Credit Authorizations. Certain transactions wriN requee our orization prior to completion. in some pses, You may be asked to provide iderntifirxfion. We have the right not to authorze a transaction
for seaxily a other reasons. Also, ff our au0nor¢.atiorn is not working. we may not be able th authorize a transaction. Wye wNl not be liable to you ff any of these everrts happen. -
Atrthorized Users. ff you want to cancel the authority of a a Authorized User to use yourAccount or a Card, you must rnotdy us and destroy any Cad a that person's possession. You can notAy
us by telephonag t X00-DISCOVER (1-80!}347-2t~3), or bt} writing D'xcmrer Cad, PO Boz 30943, Sak Lake City, UT 84130•Ug43. None of your rights under this Agreement (atlierthan to pay
amourrts owed) may be exercised by any person not a party >lo this Agrearnernt acting pursuant to a paver of attorney, withal( our separate written agreerrrent (which we ore not obligated to give).
Unauthorized Use. Prior to ds use, each Card must be sign~d by the person to whom ff Ls issued. ff a Card is knst or stolen, or'rf you think that someone is using your Account or a Card without your
permission, notify 'i
us immediately. You can rnotity us by telepfnonag 1$00-DIS OVER
(1-800=347-2683), or by writing D"cover' Card, PO Box , SaN Lake City, UT &413D-0943. You agree to assist us in determining the facts relating to any theft or possible unau0ror¢ed use of your
Account or a Cad and to canply with such pnxedures as may require a cornect'an witty our invest-igatior.
Your Credit Lines. VVe will advise you of your Account aed' line. tNe may inpose a lovuer tae that vvr~ appy to cash advances, referred to as the cash advance credN line. VNe may also appose a krrver
line that will apply to balance transfers, referred to as the ba race transfer credit fine. You agree not to albw your unpaid balance, irndud'ng Finance Charges and fees, to exceed your Account cxedd Ere.
If you exceed your Account credit tae, we may request in late payment of the amount by which you exceed yarAccamt aedA ire.
1Ne may crease or decease your Account aedd lirne, your sh advance aed'A line a your balance transfer aedd tae wrtlnait notice. The credit available for your use may, from tine to tine, be ass
thari you[ Account credit tae. For purposes of determaag y r available aedd, wre reserve the right to postpone for up to t 5 business days reducag your unpaid balances by the artnount of any
payment that we receive. Your avail-able credit wiN not be a aced by the amount of any credit balarnce.
MAKING PAYMENTS
Premise to Pay. You agree to pay us a U.S. dollas for all p~rohases, cash advances and balarnce transfers acluding applicable Finance Charges and other charges a fees, by you or anyone
you authorize a permit to use your Account a a Card, even you do not potty us that others are usag your Account a a Card. ff you pay us a ottner than U.S. dolars, we may refuse to accept the
payment a charge your Account our cost io convert your pa>Vrtnent to U.S. dollars. All checks must be drawn on funds on deposit a the U.S. You may not use a cash advance dneck, balance transfer
check or coupon, a any other promotional check drawn on y Discover Bank aedN card account to make payments on your Account.
H your Account is a joat Account, each of you agrees to be I'r~We adividualy and jointly fa the entie amount owed on your Accournt We can accept late payments or partial payments or checks
and money orders marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement
Monthly Billing Statement. We wtll send you a biNag state
biling statement w0 show al- purdnases, cash advances, ba
period. ff will show your New Balance, Payment Due Date,
Payment Due may be higher than shown on your billing stet
Monthly Payment Options. You may at array time pay the e
Mainum Monthly Payment section. All paymernts must be n
Account aaccord-once witln those terms. In addition, we re<
Automatic Billing Arrangements. ff your Account number
provide your new Aapunt afomnation to that merohant. To r
directly 'rF you do not wish to corntaue the automatic bNl'rng ar
How We Apply Payments. We will apply payments and at
transaction ptegory (as referenced a the Fiance Charges
payments and c7edils to any new transactions using the san
with kwverAnnual Percentage Rates, such as when there a
Rate
ant after each monttnly biling period a which you have a debit or aedd balance, unless we waive our right to do so as permffted by lawn. The
rnce transfers, Finance Charges and other charges or fees and aN payments or other aedNs posted to your Account during the bNlmg
i Miimum Payment Due as of the end of the billing period. ff your prior rnonttn's paymerrt is returned unpaid, your required Mainaxrn
neut. See the M'inirwm Monthly Paymernt sectiori on page 5.
ie New Balance shown on your bding statement, but each month you must pay at least the Mairxm Payment Due as desrnbed a the
de in accordance with the tarns, includag the payment atoll time, stated on your monthly bg'rng statemernt, and we wiN aedk your
ve the right to change those temps without prior notice as permtlted bylaw.
ndlor Card expiation date changes and our records indicate you have andomalic biNag estabNstned with a merchant, wr; will a0empt to
sure uninterupted billing, we recomrr>end that you verify the merchant has your new Acoarrt information. You must contact the merchant
ifs to the New Balance shown on your anent bitting statement a order of the Annual Percenntage Rate appN-cable to the balance of each
motion), generally from krwrest to high-est begin-nirng wrlh the balance subject to the lauest Annual Percentage hate. IMe then apply
method. However, we have the right to appy payments and credits io balances with hgtner Arcnual Percentage Rates prior to balannoes
two initial special rates applicable to yourAocarnt and the bwrerAnnual Percerntage Rate vanll expire before the hgherAnnual Percentage
Minimum Monthy Payment The Minimum Payment Due ~ach month wiN be the greater of:
• the New Balannce ff it is less than $15;
• $15'rf the New Balance is $15 a more; or
'any past due anent plus the greater of.
2% of the New Balance (excluding anent Periodic Finance Charges, Late and OveriinN Fees) rounded up to the nearest doNa or
anent Periodic Faance Charges plus Late and Overkni F s pigs $15 (not to exceed 3°k of the New Balance) rounded up to the nearest dollar.
We may also include some or all the amount by which ya a Deed yar Accamt credit line. ff mare than 9D°A of your New Balance consists of special rate balannce transfers, we may, at our discretion,
aaease your Mainum Payment Due to a maxirtnum of 4°h the New Balance 'rf A would otherwise be less than that VYie may subtract certain fees to calalate the M'rnr~rrnm Payment Due. The
Mairxmn Payment Due wNl never exceed the New Balance. Payag the Mainum Payment Due maybe asuffictent to bring yourAccount balance belax yore Account credit fine and, consequently, may
not avoid the imposition of an additional Overlimit Fee des a the Overiimit Fee section.
Skip-A-Payment Offers. We may trap tine io tine albw to not make a min'mrum mornthy paymernt and wNl rnotify you wAnen this option is available. If you take advantage of th'ns offer and do not
make a maimnxn monthty payment, finance charges and an applicable fees witl accrue on your Account a accordance wdh this Agreement and ya must pay the Maaxim Payment Due for the
folkrnnng billing periods.
Credit Balances. We will refund any credit balance witha van busaess days from receipt of yourwritten request. ff you do rrot request a refund, we will auto~maticady refund aedff balances greater
than $1 that remain in yourAccount after 6 months.
FINANCE CHARGES
How We Calculate Periodic Finance Charges. We begs impose Periodic Finance Charges on all transactions from the Transaction Dale for the transaction as shown on your billing statement,
unless a transaction is posted to your Account after the do of the bilfng period in whictr i Occurs, in which case we begs to inpose Periodic Friance Charges on that transaction from the frist day of
the bifling period in which i is posted to your Account We ' ue to impose Periodic France Ctrarges anti the date you pay your entie New Balance, by rrralang payments or receiving credits.
However, if you paid the New Balance on your previous bilCn statement by the Payment Due Date shown on that biting statement and you pay the New Balance by the Payment Due Detain your
current billing statement, we wifl not impose Periodic Firan Charges on new purchases, that is, purchases fist appearing on the current biflng statemrsrt We call this the'grace period " There a no
grace period on balance transfers or cash advances.
We sort your transactions ido groups of purdhases, cash ad ,and balance trams and then father sort the transactions wihin each group by 1herAmual Percentage Rate. For example,
purchases subject to a prorrrctional rate and purchases su ' to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each bip'ng period, we
compute bahances and Periodic France Charges for each of the bifrrg period for each iransadion category.lllle use the foiowirg equatan to caryx>be Periodic France Charges for each
transaction category:
(Average Daily Balance) tares (days h baling period) tines I,
(Daily Periodic Rate). ~I
(You may refer to the finance charge summary on your bilfl statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic
Finance Charges for your Account The Average Daffy Baba is slha~vn as zero rf, because of
the grace period, no Periodic France Charges apply to the lance ~ a trans-action category.
How We Calculate Your Balances. We use the Average iy Balanoe (idud'ng new transactions) method of q~ulatirg the balance upon which we inpose Periodic Finarrce Charges. We canpi~te
the Average Daily Balance far eadh transaction category by tiding up afl the daily balarroes in a biflng period for a transaction category and dividing the total by the number of days in the biting period.
We kxxrrpute the dairy balance for e9ch transaction category each day by first addng the foflowig to the previous dais daffy balance: transactions with a Transaction Date of that day as shavn on
your tilling statement, unless the transaction is posted toy Accotxrt after the dose of the biting period it which i occurs, n which case the transaction wit be added to the daily balance as of the fast
day of the bifling period in which i is posted to your Account, ees charged that day and Periodic France Charges acaued on the previous day's daffy lxalance; and by then subtracting any aedits and
payments that are applied against the balance of the transa ion category on that day. th rraala~lating the daffy balance far the first day of the billing period, we consder the "previous day's daily balarnoe'
to (rave been your balance for each trarnsaction category on last day of your previous billing period. .
All fees charged to your Account are added to the standard urchase
trans-action category with the exception of Cash Advance T section Fee France Charges which are added to the applicable cash advance
transactbn category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expies, we move the
unpaid balance of the balance transfer and the Balance T stet Transaction Fee France Charges to the standard puchase transaction category. However, i the specal rate has been temninated
under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balarnce Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category
until the specal rate would have expired.
Variable or Fixed Interest Rates. The Daly Periodic Rate <
Pricing Schedule or in any special offers you receive from us
add'ng a specfied number of percentage pouts to the Prime
highest rate of interest listed as the "prime rate° it the Mone}
represent the lavest or best interest rate available to a bona
changes. This dh2nge will be effective beginning with the firs
may maease your Minimum Payment Due.
Default Rate. Each tine you do not make a requied payment
a varable rate equal to the Prirne Rate + up to 27.99%, but sale
end and the Default Rate may appy. The maxirwm Defaufl R.
• your current APRs
• your payment history with us
• your general credit history
Any increased rate will apply beginning wih the fist day of B
Percentage Rate for purchases rtes ind+t}ased urder~his or
occur, then your Annual Percentage Rate for your nevv purl
yourAnnual Percentage Rate for your existing purchase bale
reduced Annual Percentage Rates on new and existing puro
tenth bifling period, a Default Rate wit apply.
Cash Advance Transaction Fee finance Charges. Unles:
of each new cash advance with a minimum Cash Advance 1
result in an Annual Percentage Rate for cash advances that
purpose for which used, are subject to Cash Advance Trans
Transactbn Fee Finance Charges for the bifling period chore
transaction category and add nA these amounts.
Balance Transfer Transaction Fee Finance Charges. tt th
Trrar>,s-ad'an Fee Pittance Charge for the amount of each ba
received when you applied for an Account, i wit be it the an
Percentage Rate for balance transfers that is higher than the
Transfer Trans-action Fee Finance Charges calculated untie
Foreign Currency Transaction Fee Finance Charges. We
foreign currency. The inposiion of Foreign Currency Transa
To obtain the total Finance Charge err purchases fa each bi
Finance Charges calculated underthe Periodic Finance.Cha
Minimum Finance Charge. We wit charge you a min'nKrm
nd conespond'ng Annual Percentage Rate that apply to each transaction category are ether faed rates or variable rates as set forth in your
The Daffy Periodic Rate is tl365th of the conespond'ng Annual Percentage Rate. Variable Annual Percentage Rates are deter-mired by
Rate. This is sham on the Pricng Sdhedule as "Prime + (per-cerrtage poirts)." For purposes of th's Agreerr~nt, the Prirr~ Rate is the
Rates section of The INaN Sheet Journal on the last business day of the month. The Prirne Rate is merely a pridng index and does not
rer at any bank at any given tine. ff you have a variable rate, yourArnual Percentage Rate wit iraease or decrease when the Prins Rate
day of the biting period that begins during the same month as the dhange in the Prime Rate. An increase in the Annual Percentage Rate
n time (a "Default Rate Evenf7, we may ixxease the sfarndard Amual Percentage Rates for purchases , balarnce trancters and cash advances to
rate+ml never exceed 29.99% (the "DefauM bath'. Ai the same tine, any specal rates on purchases, balarnce transfers or cash advances ~
which woukJ arrerrUy apply is set forth in your Praxg Sdredule. We wit base yorx Default Rate on factors such as:
billing period it whidh we did not receive at least the Mahanum Payment Due by the Payment Due Date. tf your standard Anrxral
y previous version tithe Default Rate section and, for any nine cornseartnre billing periods thereafter another Default Rate Event does not
res wifl be reduced to a lesser variable rate which may be higher than yax previous standard Annual Perczrrtage Rate for purchases and
~ may be reduced to a lesser variable rate which may be higher than your previous standard Annual Percentage Rate for purchases. Any
ses may be different and will apply begihning wih the first day of your tenth bifling period. Havever, 'rf a Default Rate Event occurs in the
otherwise specfled it a cash advance offer, we wiN dtarge you a Cash Advance Transaction Fee FINANCE CHARGE of 3% Of the amokxnt
ansaction Fee FINANCE CHARGE of $5 and nomaxi-mum. The impositon of Cash Advance Transaction Fee Finarx:e Charges may
s hgher than the nominal Annual Percentage Rate. All fame of rasfr advances, inducting the use of Discover Card checks, iegardless of the
ction Fee France Charges. To obtain the total France Charge on cash advances for each blfirrg period, we add any Cash Advance
'd under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance
balance tran~er offer you receive corntains a Balance Transfer Trans-action Fee Finance Charge, we wifl drarge you a Baaance Transfer
ice transfer made under that offer. tt there is a Balance Transfer Transaction Fee France Charge er conjunction with the offer you
ant set forth in the Pricing Schedule. The imposition of Balance Transfer Transaction Fee Finance Charges may result h an Annual
ominal Annual Percentage Rate. To obtain the thhal France Charge on balance transfers for each biting period, we add any Balance
he Periodic Finance Charges section for each balancetransfertrams-adron category and add up these amounts.
~I charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purdhase made in a
ion Fee Fiharx;e Charges may result in an Annual Percentage Rate for purchases than is higher than the nominal Annual Percentage Rate.
ig period, we add any Foreign Currency Transaction Fee Finance Charges fa the billing period charged under this section to any Periodic
es section for each pkxdhase iransactigrrcat2g~rand add up these amounts
NANCE CHARGE of $.5D for any bifng period in which Periodic France Charges o(less than $.50 would otherwise be inposed.
FEES
Annual Fee. K your Pddng Schedule accompanying your C includes an Annual Fee, we will dtarge you an Annual Fee b the amount indicated. We vv~ diage you this fee~when we open your
Account and at the beginning of each arumiversary year yore ccount is open. The Annual Fee is not refundable, except as provided by law.
Late Fee. We will charge you a Late Fee d you have failed, of the Payment Due Date, to make the tuGn'mum Payment Due that was refired to be paid for that bifrng period. The amours of the Late
Fee is based on the sum of all outstanding purchases, caste vances, balance transfers, other diarges, other fees and Fmarnce Charges at the end of the bifixf period forwhich we did not receive
finely payment. K the sum Ls $250 or less, the fee is $19; tt tt ' greater than $250, the fee's $39.
Overtimk Fee. We will charge you an Overlord Fee each tin
'rf the transactbn which causes you to exceed your Accotmt c
amount of the OverlinR Fee is based on the sum of al or>Ista
sum is equal to or less than $500 and you exceed your aed'd
Retuned Payment Fee. We wip charge you a Retuned Pay
to a deposit account from which you have authored us in vur
dmarge you this fee the fist tine any payment is retuned unF
Retuned Discover Card Check Fee. We wll charge you a
promotional purdmase check, or other prorrnational check.
Pay-By-Phone Fee. We may from time to fore albw you to r
By-Phone Fee of $10 for each such transferor payment.
Research Fee. We may charge you a Researdm Fee of $5 ft
billing error.
DEFAULT AND CANCELLATION
Types of Default You are in default d you beconme insolven
obligations to us; 'rf you are declared incanpetent by a carrt
induding~ailirxt to make a required paymerrt when due, exce
due on any other account you have with us.
Consequences of Default tt you are in default, we may do
or empby an attorney to represent us with regard to recover
actuatty incurred by us, including fees and costs boon-nedi
Cancellation. You may cancel your Account by notifying us
telephoning 1 X00-0ISCOVER (1-800-347-2683), or by writi
according to the terms of this Agreement. K your Account is ;
the tents of this Agreement. We may cancel or suspend ya
without notice. You must return any Card or unused checks
PRIVACY AND OUR COMMUNICATIONS WITH YOU
Our Privacy Policy. Wa may from tine to tine review your
surtrnary of the personal info-oration we tolled, when d rr>c
such information wlh others. Please read tt carefuNy as tt is
Reporting to Credit Reporting Agencies. As indicated in
negative aedtt infortnatbn. Late payments, missed paymen
you believe that our report of your Accotmt status is tractor
name, address, home telephone number and Account runt
Our Communications with You. Our personnel may I'sten
med'mum, indtxiimg but nd linrted to mail, live telephone call;
Account or offer you products or services that may be of verb
at Discover Card, PO Box 30961, Sad lake City, UT 84130•
Releasing Information About Your Account We provide
that our records indicate is an authorized buyer on your Act
measures cannot insure against unauthorized inquiries. Ya
gained possession of a Card or has teamed other identityin<
Electronic Notices to You. We may offer you the opportun
notices. The terms and conddions for receiving these eledr
Notices -Changes to Your Information. K you change ya
notify us by telephoning 1 X00-0ISCOVER (t-800.347-2663;
address you have provided for the Account wrll serve as notic
CLAIMS AND DISPUTES
Merchant Disputes. We are nd responsible for the refusal
satisfaction and you request a aedtt to your Account, we vvi'
assigned to us your claim against the merchant andlor any 1
Claim Notices. In the event that you orwe have a claim ths
appli-cation, the relationstmips which resufl from your Accour
proceeding, as either an individual litigant or member of a d
inttiating army Proceeding, explainits is reasonable detail the
Proceeding. This includes any claims involvin~our parent c
at, as of the dose of a billing period, your outstanding Aaxaurd balance exceeds your Accaad aedd ire. Thy fee may be charged even
Ime is authorized by us or if you exceed your Account aedil line due to the posting of France Charges or fees to your Account The
g purdmases, cash advances, balance transfers, other dnarges, other fees and Finarnoe Charges at the end of the being period. K the
the Overiind Fee is $15. tt the sum is greater than $500 and you exceed your credK lee, the Omrerfmd Fees $39.
rat Fee of $35 each tine you pay us with a check or other instrument that is retuned unpaid. This fee wit also apply d a debd transariian
„ electronically or oratty to periodicatty deduct al or a pars d an amount you ave us under th's Agreement is retuned unpaid. We wdl
even l d is paid upon resubmission.
rmed Discover Card Check Fee of $35 each tine we decline to honor a Discover Card cash advance deck, Nance transfer check,
payments by authorizing us over the telephone to transfer or pay fiords from a deposd accaant to yourAccount. We wit charge a Pay-
each copy of a billing statement or sales sl~n that you request. However, we will not charge a fee if you reque~ copies th connection with a
K you file a banlwptcy petition or have one fled against you; if we have a reasonable befid that you are ratable or urnxiling to repay Y~
k a court appohts a guardian for you or a conservator for your assets; iF you die; K you fail to t«npy wdh the terns of this Agreerrnenl,
ding your Account aedtt line or using your Card or Account for a Prohibited Transaction; or if you fat to rm~ce a required payment when
are the entire balance of your Accoramt immediatey due and payable without rwfrce. K we refer the won of your Account to an attamey
of money that you owe us, we may clangs you reasonable attorneys' fees and court or other totledion costs as pemnitted bylaw and as
n wdh any appeal Wre may delay enfordng or not enforce any of our rights under this Agreerrnent wAFnout bring or waiving any of them.
n writing or by telephone and retuning or destroying every Card and unused dmedc that we have provided you. You can notify us by
g Discover Card, PO Box 30943, Salt Lake Ciy, UT 84130.0943.Of course, you will still be responsible to pay any amount you owe us
joint Account, either Cardmember may cancel the Account, but you wilt both remain responsible to pay any amount awed to us accordig to
Account at any time without notice. We may choose not to renew your Account (beyond the exp'uatiam date shown on the face of a Card)
> us upon request
edit, empbyrnent and income records. We respect the privacy of information about you and yourAccarnt. Our Privacy Poicy includes a
be shared with others, how we safetJuard the confxlentialdy and security of ir>fomnatbn and the steps you may take to lint our sharing of
rt of your Cardmember Agreement.
rr Privacy Policy, we may report to credl reporting agendes and other creddors the status and payment history of your Account, including
or other defaults on your Account may be r>rfleded o your credit report We normaly report to such aedtt report®g agendes each month. K
or incomplete, please write us at the folbwirg address: Discover Card, PO Box 15316, Wilmington DE 19850-5316. Please include your
> or record telephone caps between you and our representatives without additional notice to you as pemtitied by law. We may use any
automated telephone equipment, prerecorded fete-phone calls, e~nal and may make calls to your cell phone to contact you about yarc
fo you. K you prefer not to be contacted in one or more of these ways, telephone us at 1 X00-DISCOVER (1-800-347-2683) or write to us
arious methods by which you can obtain information abort your Account. We will only release such information to you, any Author-ized User
mt and array other person with your prior permission, in addition to as pro-vided in our Privacy Poicy a as required by law. Our security
agree that we will not be responsible for the release of information to anyorne who, even ii wltm-out your aulhorQation or permission, has
~maracteristics atxxrt you such as your per-sonal identificatbn nrarnber, Accormt rwmber or scoot security number.
to receive certain notices from us etedronicalty rather than through the mail, including monthly billing statements and change of tertrs
is canmunications wiN be desaibed th the offer.
e~rnad address, mating address a telephone number you must notify us of yotr new address or telephone ntanber wdhin 15 days. You cars
x by writing Diswver' Cana, PO Box 30943, Satt Lake City, UT84130-0943. K your Account is a Joint Accrorunt, any notice we oral to an
to both Cardmembers.
f anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails io provide your ptadnase to yoru
irnestgate the dispute. ff we resolve the dispute in your favor, we vvitt issue a aedtt to your Account and you vrid be deemed to have
find party for the wedded amount. Upon our request, you agree to provide us with written evidence of such assgnrrnent.
arises from or relates to your Account, any prior accaamt you had wAh us, your
or the enforce-ablly of the Agreement or any prior agreement, before initi-sting, joining or f~artidpating in any judicial or arbitratbn
ss ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the chin ('Claim Notice"), at least 15 days before
nature of the dais and wry sup-porting fads; and (2) a reasonable good fa'dh opportunity to resolve the claim witinout the necessity of a
rporation, subsidiaries, affiliates (imduditg, with-out limitation, DFS Services LLC), predecessors, successors, assgns, as well as the officers,
i
directors and employees d each d these enfOies. Any Claim 'ce shall be sent to us at Discover Card PO Box 3024, New Albany, OH 43054 (or such other address as we shah subsequentty provide
to you) (the "Claim Notice Address' a to you at your address appearing n ax records a, if ya are represer>ted by counsel, to your attorney at your attorneys office.
Artitration of Disputes. Agneement to arbitrate. n the event of any Past, present a future dawn a dispute (whether based upon wntrad, tort, statute, corrrnon law a e~~ between you and us
arising from a relating to your Account, any prig account you have had wNh us, your application, the relationships whictr result fran your Account a the enfac~bilrty a s:-;pe d this arbitration
provision, of the Agreerrrent a d any prig agreement, you a may elect to resolve the dam a dispute by bnding arbtation. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR
WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM I COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL
RIGHTS VNLL BE LIMfTED. NEffHER YOU NOR WE S BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBfIRATION BY 012 AGAINST OTHER CARDMEMBERS WITH RESPECT
TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR (IRATE ANY CLAIMS AS A REPRESENTATNE OR MEMBER OF A CLASS OR IN A PRNATE ATTORNEY GENERAL CAPACITY
(°Class Action Waive').
Notwithstandng anything. else to the contrary in this orb' provision, only a court, and not an arbitrator, shah deter-mine the validity and effect d the Chris Adios Waiver. Even if all parties have
opted to Id'gate a dais n court, you a we may elect ' n with respect to any dam made by a new party a any new dams later asserted n that fawsuO and nothing undertaken therein shall
constitute a waiver d any rights under this arbitration provis . We wiN not invoke our right to arbitrate an ndividual dais you bring n small daims court a your state's .egrirvalent court, 'rf any, unless
such action is transfened removed or appealed io a differerri rt.
Governing Law and Rules. Your Aa:ount invohres interstate c
whoever fNesthe arbi-tration dais, by either the American Ar
a copy d their procedures, to file a daim a fe other informal
50191, Mnneapolis, MN 55405 (phone 100-474-2371). No
by both parties. Unless consented to by all parties, rno arbitral
override the terms of this section. Jf we elect to resdve a dal
otherwise be entitled to recover your arbitration fiing, admntr
costs and fees t awarded by the arbitrate.
Fees and Costs. At your written request, we wNl advance any
to arbitrate that claim or dispute. Send requests to Discover
will only be responsr~le for~te~or-reimbursing our arbitrati
collodion costs" had the adios proceeded h cart. n no eve
reinbursement is prohibited by applicable law.
Hearings and Dedsions. Any arbitration hearng wiN take plat
and applicable statutes of limtatans and shah bona chins c
were pending in court. ff requested by any party, the arbitrate
under the FAA and except that if the amount n controversy e
appNcable haw provides otherwise, the appealing party wNl P~
dnarged by the arbitration administrate and the arbitrators o
Other Benefirianes of this Provision. Our rights and obligatia
without Imitation, DFS Services LLC), predecessors, succes
named as a co-defendant with us a wiOr any of the foregoirx
and be binding upon all persons contractually liable under thi
Survival of this Provision. This arbitration provision shall surv
banlwptcy by you and any sale by us of your Account.
Right to RejectArbitrafion. You may reject the Arbitratio
Discover" Card, PO Box 30938,
Salt Lake City, UT 84130-0938. If you were prenriousty subjr
sane, address, telephone number, Arxpurtt number and sg
sending a rejection notice in a manner a format that does nc
directly and not through a third party. Rejection of arbi-tra-tioi
which you and we have agreed to arbitrate disputes. ff you d
had wth us, even iF ya have previasly sent a rejection not
LEGAL INTERPRETATION OF THIS AGREEMENT
mmerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbFtrafiorr shah be conducted, at the option of
tratiort Assodation (AAA) a the National Arbitration Forum {NAF) in accordance with then procedures in died when the chain is filed: Fa
n, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, y>gq (phone 1-800-778-7879) a NAF at PO Box
then arbitration forum wiq be permitted, except as agreed to pursuant to erther the Changes th this Ac,rt section a a wrung signed
a maybe administered by any admnistrator that has any formal a informal policy, rule a procedrre Oral is inconsistent with a purports to
a dispute try bindng arbitration and the arbitrate issues an award in your favor on a daim a daims with respect to which you would not
ative and hearing fees, reasonable attorneys' fees and/or other arbtration costs, we will be responsble fa paying a reinbursing such
bitration filing, adm'm'rstrativeernd hearing fees which you would be required to pay to pursue a daim a drspute as a resuN of our electing
d PO Box 30421, SaO Lake City, UT 84130-0421. The arbtrate wiN decide who will urtnratety be responsible fa paying those fees. You
filing, admnistrative a hearing fees to the extent you would have been responsble for paying "attorneys' feesprrd taut a other
+vill you be required to pay any fees a costs Hared by us n connection with an arbitration proceeding whet such a payment a
r n the federal judicial distract where ya reside. The arbitrator shah fellow appNgble substantive law to the extent oonsistorrt with the FAA
privilege recogrr¢ed at law and shall be authored to award all remedies permitted by the substantive laws that would apply 't the adios
shah write an opnan coMainng the reasons fa the award. The arbNra-tors decision will be final and binding except for any appeal rights
Deeds $100,000, any party may appealtheaw~d withn 30days to a thn;e-arbitrator pa>el, which shat review the award de novo. Unless
the cost of the appeal, regardless of its outcorrne. However, we wiN consider n good faith any reasonable request fa us to bear the fees
xxnnectian with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction.
sunder this arbtraton provision shah Wore to the berneft of and be binding upon our parent corporations, subsidiaries, alfiNates (ndudng,
ors, assigns, as well as the officers, directors and employees of each of these entities, and wiN also inure to the benefit of any third party
n a dais which is subject to this arbitatan provis'an. Your rights and d~fgations under this arbtration provision shall Wore to the bereft of
Agreement and all Ar>flnored Users d the Aabunt
e termi-nor-tion d yar Account as well as vduntary payment n full by you, any legal proceedngs by us to culled a debt owed by you, any
of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address:
i to arbihatan with respect to any aceamt with us, this right to reject arbitration will not apply to ya. Yar rejection notice must indude your
atone and must not be seM wth any other correspondence. Calling us to ndicate that you reject the Arbitrators of Disputes section a
comply with art applicable requirements is nsu(ficient notice. In ceder to process your notice, we require that the notice be provided by you
will no ailed your other rights a responsibNities under this Agreement a your obligation to arbitrate disputes under any other acxormt as io
nct send a rejection rnotice, ya will be obligated by the Arbitration of Disputes sedan with respect to this and any pre account you have
with respect to that prior account.
Severability. O any part of this Agreement becomes ones able, t wNl not make any other part unenforceable, except that'd the Class Action Waiver sd forth above n the Arbitration of Disputes
section is nvalidated n any proceedng n which you aid we are nvoh~ed, then the Arbitration d Disputes section will be void with respect to that proceeding.
Compliance with Interest Rate Limitations. We intend this Agreement wiN comply wdh applicable interest rate Iintations. You will not be requ'ved to pay Fnarnce Charges a other charges at a
rate that is greater than the maxinum amount permitted by I .Otis ever fealty dder~rnined that, but fa this section, the Finance Charges a other rinarges under this Agreement would exceed the
maxmum lawful acount, the France Charges and other dr es wiN be reduced to the maximum lawful amount. Any excess anent that you have aleady paid will be used to reduce the outstanding
balance o your Account a wiN be refunded to ya by mean o a check in our disadion.
Governing Law. This Agreement and any claim or dispu arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law.
ASSIGNMENT OF ACCOUNT
We may sell, assign a transfer yar Account a any portion with-out rnotice io you. You may not sell, assign a transfer your Account with-0ut first obtainng err prior written consent.
CHANGES TO THIS AGREEMENT
We may change any term or part of this Agreement, incl ding, but not limited to, any finance charge rate, fee or method of computing arty balance upon which the finance charge rate is
assessed or add any new term or part to this Agreemen If required by law we will send you a notice at least 15 days before the change is to become effective. We may apply arty such
change to the outstanding balanc'Rof your Account on a effective date of the change and to new charges made after that date. You may be offered the opportunity to reject some of Ore
changes, and ff you do, you must notify us in writing wi in 15 days after the mailing of the notice of change at the address provided in the notice of change, in which case your Account
will be cf~ed and you must pay us the balance that yo owe us under the existing terms of the unchanged Agreement Otherwise, you will have agreed to the changes in the notice. Use
of your Account after the effective date of the change wi I be deemed acceptance of the new teens as of such effective date, even if you pre-viously notified us that you did not agree to
the change.
We may also change any term of any product, service o benefit offered in connection with your Account We will notify you as required by law or by the terms of the product, service or
benefit
PRIVACY POLICY ,
We are required by federal law to provide you with a co of our Privacy Polity each year. If you have previously notified us about your privacy preferences, as described in Section 4, it
is not necessary to do so again unless you decide to ch nge your preferences.
We Respect Yvur Privacy
Our mission is to provide you with superior products and , abng with the peace of mind knw~ing that the searity of your personal irmfortnation is ourtop priortly. We understand your concerns about
guarding information about you and you Account. We want assure you that we Crave taken steps, and wry oantiwe to take steps, to safeguad that inforrrnaiion.
This Privacy Policy desoibes our efforts to rnee~ these o ' ' es. It includes a summary of the follomnring inportant information:
A listing of the personal information we colect;
The cicumstances in which we may shore information witf} others;
The ways we safeguard the confidentiality and secuily
and
The steps you may take to linnit our sharing of such infortn~tion witlm
others. See Section 4 for complete details.
Please read our Privacy Poicy camFuly. ft wiu help you understand how we collect and share information.
1. What Personal Information Do We Collect? I
To serve you better and manage our business, 'rf is important that we colect and maintain accurate personal information about you. We obtain this information from applications and other forms you
submit to us, from your dealings with us and others, from reporting agencies, and from other sources, such as our Web sites. For example:
We may obtain infommation such as your name, address and'~ate of firth from appfcalions and other farms you submit to us.
We may obtain information such as Account balances, paym~nt history, your use of yourAccount and the types of services you prefer from your transactions and other dealings with us and others.
We may obtain mfortnation such as the balances of your loans with other lenders and your payment history with others from consumer reporting agenncies.
We may obtain imfommation such as your Internet service prom ~ider, your e-ma8 address, your corrmptrter's operating system and Web browser, your Web srte use and your product and service
preferences from your v'sds to Web sites. ',
2. Is Personal Information Shared with Others?
We limit the sharing of infortnatan with others. Many of the o rs you receive for products and services are provided diedly to you from us. For example, a retailer that accepts the Discover' Cana may
come to us wr~h a speaal offer for Cadmembers, such as a ispunt certilaate d product upgrade. After consideration of the nature of the offer and the company, we mnnll create a fist of
Cardmembers who may be oterested h the offer based on it ctmaracterisfres. We will send the offer diectly to those Cardrrmerrmbers on behatl of the retailer by, far example, indud'rmg an insert in
that mouthy bilYng statement or mailing the offer ourselves. control the imfommaliorm used th make the offer, we do not share the I'rst or any information about our Cardmembers wroth the retatier.
However, please understand that 'rf you do receive this type offer from us and choose to take advantage of fi, the retailer may then team information about you because only Cardmembers with certain
dli~dde<1StICS feCelVed the Offer.
There are, however, arcurrmstances in which we may share information we collect about you, as described im Sedan 1, with other companies in order to provide you with access to products and
services and to service your Account effectively, as detailed lav. We require these companies to adhere to our privacy standards and to use this information ony for the linrted purpose for which it
was shared. We do not allow them to disclose tl to others ' out our prior approval.
a. Sharing Personal Information with Our Corporate Famm7y
Our corporate faniy offers a variety of products and services that ran help you manage your fnances. In order to provide you with access to these products and services, we may share the information
we collect about you, as described in Section 1, witlm other hers of our corporate family. These companies include fnamcial service prouiders that offer credit protection, card servicing and paymermt
processing services.
b.
Sharing Personal Information with Non-Ath6afed Parties for
Marketing Purposes
We ITMay share the inionrmation we collect about you, as de in Section 1, with nonaffiliated third parties, includ'ng those that accept the Discover Card, in order to provide you wrtfm access to
products and services offered directly by these companies th may be of value to you. These cor~manies inckide fnanctal service providers, such as insurance companies, and non-finanaal companies,
such as retailers.
Sharing Personal Information witim Others
We may share the infommatiorm we tolled about you, as d im SeGion 1, wdh companies that perform support or marketing services on our behalf, such as rtmar7rmg, rrmarket researdm and data processing;
other fnanaal imstitirtions witlm which we have joint maketing ag ; or cortmpamies that are ou gathers for co-brand credd cad programs or reward programs. We may also share such imforrrmation as
pennitled by law.
How Do We Protect the Confidentiality, Security and Integ ' of Information about You?
We maintain physical, eledrorric and procedural safeguards protect the information we tolled about you. Access to such information is restricted to individuals who need N im order to service your
Aa~uunt a provide products and services to you, and who are trained im the proper handling of such informatan. 6rmpbyees who violate these oonfdentialpy requ'rrenmermts are subject to our disaplinary
process. Where third parties provide support services, we req ie them to conform to our privacy standards.
It is mportant that the umfonrration we maintain about you is rate and complete. If you see information in your mormOmy bppng sfatarmerds a elsewhere which suggests that our inforrrnation is
incomplete or inacarate, please write to us at Discover Card, 0 Box 30943, Salt lake C'rly, UT 84130-0943 so that we caret update this information.
4. How Can You Limit Sharing of Information About You?
We respell your privacy and offer you choices as to whether we may share umfonnation about you wlh others. You tnave the option to tel us not to share the umforrrmation we toted about you, as desabed th
Section 1, with nonaffiliated thud parties. You also have the th tel us not to share the infonnafian we coped about you, as described un Sedum 1, witlm companies in our corporate (army. ff you umdicate a
preference for either of these options, Please understand that may not receive offers fa products and services provided by other companies that could help you krwer you costs, nmaxuri¢e yotr fnanaal
resarces, a manage your finances.
To indicate your preferences, please call us at 1-800-225- 202 or wrfte to Discover Card, PO Boz 30961, SaR Lake City, UT 84130-0961. If you have previously notified us about your -
privacy preferences, ft is not necessary to do so again un ess you decide to change your preferences. Your written request should include your name, address, telephone number and AocauM
number(s) and should not be sent with any other correspond . In order to process your request, we require that the request be provided by you directly and not through a third party. You wiN need to
provide us wish your preferences fa each credit card account a have with us.
You may notify us about your preferences at any time. Your uest will remain im effect until you notify us otherwise. We wiq horma your request and not share this information except as permified by
law. For example, federal law permits us to share information bout you with consumer reporting agenaes, service providers and financial institutions with which we have joirmt marketing agreenments. ff
you are a new Cardmember, we wip not share any infomtat' about you, except as permitted by law, fa thirty days aBer we provide this Policy to you th order to give you an opportunity to inform us
about yore preferences. If you are an existing Cardmember, se understand th~ you may continue to receive marketing offers directly from other companies that were aieady in production prior io
the processing of your request.
This Privacy Policy is provided to the primary Cardniember G
to the entire Account We do not share information about ton
this Prnr~y Policy from time to time and we will notify you fin
This Privacy Poicy is provided to you by Discover Bank and
famiy of Discover Canis fa consumers and the products an
infommatron registered in connection with the service, which m
may have other rigtmts understate laws that apply to this info
products and services provided to you by us and our affiliate
Vermont Residents -Your state law requires financal instf
collect about you with non-affiliated thid parties a canpanir
California Residents - Your state laver requires financial ins
spare information we collect about you with non-affiliated thu
Your Billing Rights
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights
1. Notify Us in Case of Errors or Questions About Your I
If you think your bill is wrong or if you need more information
as soon as possible. We mud hear from you no later than 61
In your letter, give us the fdknwing information:
• your name and Account number.
• your dolar amount of the suspected error.
describe the errs and explain, ti you can, why you bel~ve
ff you have authorized us to pay your credit card bill airtorr
must reach us three business days before the automatic p
Your Rights and Our Responsibilities After We Receive
Written Notice
We must acknowledge your letterwithin 30 days, unless we
ARer we receive yar letter, we cannot try to tolled any amt
apply any unpaid amaM against ycwr Account credit (nit. l
question.
ff we farad that we made a mistake on yore bit, ya vril not haw
have to make up any nmissed payments on the questioned am
H ya fail to pay the amount that we think you owe, we may
pay, we must tell anyone we report ya to that you have a q
has been settled between us when d fimaly is. If we don't fol
3. Special Ru-e for Credit Cana Purchases
ell on the Account. However, any joumt Cardmember has the right to notify us about preferences and we will treat that request as appying
~ customers, except as permitted bylaw. This notification supersedes all previously issued Privacy Policies. We reserve the right to amend
do so.
s subsidiaries, vfiich currently indude GTC Insurarmce Agency, Inc. and Discover Products Inc. Unless otherwise specified, ~ applies to the
services offered in connection with those Cards, indudumg the Wallet Protection card registratiorm service (with the exception of any
I not be shared). p is part of your Cardmember Agreement and provides a fiutiner explanation of haw we coped and share information. You
nation. Please note that you will also receive privacy notices fa other credit card accounts you have with us, as well as other fnanraal
You will need io indicate your preferences fa each of these separately as disclosed in the notice.
ions to obtain your consent prior to sharing information about you with others. Except as permitted bylaw, we will rrot share uifommation we
in our corporate family unless you call us at 1 X00-DISCOVER (t-800-347-2683) and authorize us to do so.
~tions to obtain your consent prior to sharing information about you wph non-affiliated third parties. Except as permitted by law, we will not
parties while you are a resident of California.
our responsibilities under the Fai Credit Billing Act.
a transaction on your bll, write us on a separate of paper at the address listed on your bill for Notice d Baling Errors. Write fp us
after vve sent you the fist bill on which the erra`a problem appeared. You can telephone us, but doing so vrip not preserve your rights.
is an error. ff you need more information, describe the pen you are not sure about.
y from your savings a checking account, you caret stop the payment on any amount you think is wrong. To stop the payment, your letter
rat is sdmeduled to scar.
re corrected the aria by then. Within 90 days, we must either tarred the error a explain why we believe the bfi vvas caned.
ya queston a report ya as deGnqueM. We can continue to bill ya fa the amourrt ya question, iodud'ng finance charges and we can
do not have to pay arty questioned amant while we are investigating, but you are still obpgated to pay the parts of your tap that are not io
pay arty finance charges related to any questioned amount ff we didnl make a mistake, you may have to pay the finance dmarges, and ya veil
In eipmer case, we veil send ya a statement of lime arrant you owe and the date that I'is due.
mrt ya as delumquent. However, 'if err explanation does not satisfy ya and you write us within ten days telling us that ya still refuse to
lion about your bill, Rnd, ~ must tell you the name of anyone we reported ya tb. W; must tell anyone we report you to that the maUer
these rules, we can't t the fist $50 of the questioned amount, even d your tall was cbnect.
ff you have a problem with the quality of goods or serviczs tha~ you purchased with a credd card, and you tried ~ good faith to correct the problem with the merchant, you may have the right not to pay
the remathing amount due on the goods a services. There ark two fmiitations on th's right
(a)
you must have made the purchase in your home state a, ~ wNhin }roar home state, within 100 mNes of your current maiflng address; and
(b) the purchase price must have Been more than $50.
These limitations do not apply if we own or operate them rohant or'd we mailed you the advertisement for the goods or services.
4. Purchases Made with Checks or Cash Advances
The Special Rule fa Credit Card Purchases does not appty to purchases made with a balance transfer check, cash advance a prortbtional purchase d~edc. Therefore, i you have a problem with the
quaflty of goods a services that you purchased with a ba transfer check, promotional purchase check, cash advance check a the proceeds of a cash advance, you do not have the right to
withhold payment of the amount due.
DESCRIPTION OF COVERAGE
SCHEDULED AIR TRAVEL ACCIDENT INSURANCE
Discover Cardmanbers are provided with $500,000 Sdidu Air Travel Accident Insurarroe.' You, your Spouse, Domestic Partner a eflgible Dependent ChNdren fa whom a ticket was purchased on
your Card (as defined below) wiN be aulomaticalN osured inst Acx:idental Loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Dortrestic Parther a elgthle Dependent
Children for whom a ticket was purchased on your Card are ' ing as a passenger in a entering, exitng a being stnrck by a Scheduled Aircraft a a caweyance operated by a mNitary transport service
a riding as a passenger in a entering or exiting any carve ce licensed to carry the public fa a fee and while traveling d'rectyr to a from the airport irtxnedfatety precedthg the departure of a
Scheduled Aircraft on which the Insured Person has pudgy passage and immediately folloHrinng the arrival of a Scteduled Aircraft on which the Insured Person was a passenger.
'Coverage is underwritten by Federal Insurance Canpany, a insurer of the Chubb Group of Insurance Corr~anies. Certain lintifations and exdusrons appN.
PLAN FEATURES ~
THE BENEFITS: the fuN Benefit Amount ($500,OD0j is pay le fa Accdental Loss of Lifee. The Loss must occur within one year of the Aacdent
MAXIMUM LIMIT OF INSURANCE: tt more than one Insu Person suffers a Loss n the same Accident, the Company will rx>t pay more than the maxenum Ianit ~ insurance ($20,OOD,000) per
Accident tt ~ Accident results in Benefit Amounts becoming ble, which when totaled, exceed the applicable lanit of insurance sham above, the maximum flrritt of lisurarrce vdfl be divided
proportionally among the Insured Persons, based on each a ble Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one Accdent, the Compan~s IiabiGly fa all
such Losses will be Nmited to a maximum IInN of insurance to two times the applicable Bereft Amount fa Loss of Life. Benefits wiN be propatronately divided among the Insured Persons up to-
the maximum limit of insurance.
DEFINITIONS:
~cident or Accidental means a sudden, unforeseen and u
Accidental Bodily Iniurvfiesl means bodr7y in~ry which is A
Account means a Card account
Benefit Amount means the Loss amount at the time the anti
~ means the Discover Card.
Cardmember means the holder of the Card whose name ap
Comoarn means the Federal Insurance Company.
Covered Trio means travel on a Scheduled A'raaft when the
Insured Person's Account
[krnendent Child or Children means those children, irxdudu
support and who are: (1) under the age of 19 and reside with
age of 25 and classfied as fuN-tare students at an institution
Domestic Partner means a person who: (1) is ai least 16 ye
Person fa at least one year prior to the date of enroNment; (~
artangements: (a) a joint mortgage a lease; (b) a joint bank a
with a fnarxdal institution. Neither the Insured Person nor the
l:lii3t5l means the covered ciaAnstances fa whidi this nsur
Desaiptan of Coverage.
Insured Person means all Cardmembers, their spouses, Do
Lt~ means the Loss of L'ite.
joss of Lj(g means death, inclyding clnical death determine
Policyholder means DFS Services LLC, the entity respa>sit;
Scheduled Aircraft means an a'raaft owned andla operate
Scheduled Airline means an airline which is either of United
approved by the Untied States government and the approprk
Jly~ means hostilNies foflowig a declaration of War by a goy
open and continuous hostilfl'res between two factions, each in
DISAPPEARANCE BENEFITS: ffthe Insured Person has nc
which the IrLwred Person vr~s covered as an occupant, fl vurll
EXP05URE BENEFITS: Acxdent ndudes unavoidable exp
ELIGIBILITY: This insurance plan is provided to hsured Pen
insurance is effective. tt is not necessary for you to rwtify the
EFFECTIVE DATES: Your insurance under this insurance QI
Card-member. Your nsurance coverage under this 6~surana
COST: This insurance phan is provided ~ no additional cast to c
THE BENEFICIARY: The Loss of Life benefit wiN be paid to 1
folknNing order. a) you spouse; b) your children; c) your pane
request a beneficiary designation form by writing to the plan
EXCLUSIONS: This insurance plan does not cover Loss res
Policyholder or any airaafl owned, leased or operated by an
charter basis), (2) an accident while ~ Insured Person is in,
~P~N perform pikrt a crew functions in a fife threalenini
I event happening by chance, and irx:ludes unavoidable exposure to elements arising from a covered Hazard.
is the diect source of a Loss, is independent of disease, fllness a other cause and oeaxs while this policy is in force.
cost of the passenger fare is charged to an ArxAUnt.
on the credN card.
entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers a coupons, has been charged to the
I adopted chfldren and those children placed for adoption, who are primariN dependent upon the Insured Persai for maintenance and
ie Insured Person; (2) beyond the age of 19, pemaanently mentalN a r~m~N ~~9~, and incapable of self support; a (3) under the
h'gher teaming.
s of age and competent to enter into a contract (2) is not related to the Insured Peron by blood; (3) has exclusivety lived with the Insured
isnot legaltymarried a sepa-rated; and (5) as d the date of enroltrrent, has with the Insured Pason at least two of the foNowing fmarrcial
mount; (c} joint title to a ownership of a motor vehicle a status as a joint lessee on a motor vehicle lease; a (d) a joint credit card account
omestic Partner can be married io, nor in a civil union w3h, anyone else.
~ is provided as stated th Section III of the Declarations, Hazards, and described n the Hazards form, as described on page 1 of this
Partners and Dependent Children, as well as authorized users of the Account.
by the bcal govemirg medical authorities.
fa the payment of premium.
by a Scheduled Airlne.
Yates registry and certfied by the United States government to carry passengers on a regularly scheduled basis a of foreign register and
foregn authority.
mrrtent authority. N then: is no declaration of War, then (1) armed, open and continuous hostildies between two countries or (2) armed,
xxrtrol of territory, a claiming jurisdiction over the stye of the area of hostilAy.
been found within one year of the disappearance, strandig, sinkng, vrtecking a breakdown of any Scheduled Aircraft a conveyance m
e assumed, subject to afl other terms of the policy, that the Insured Person has suffered Loss of Life covered under this policy.
to elerr>ents arising from a covered Hazard.
rns auto-maticaNy when the entire cost of the passenger fare(s) on a Scheduled Airine is charged to the Cardmember's Account whie the
oflcyholder a the Company when Sdieduled Auine tickets are purchased.
n is effective on the later of:1) April 1, 2007; a 2} the date you become an eligible
plan will cease on the earlier of. (1) the date the insurance coverage is terminated; a (2) the date you cease to be an eligible Cardmember.
Insured Persons fa Covered Trips. Poflcyholder pays the fuN cost of the issuance.
e benefidary designated by you. ff no such designation has been made, that benefit will be paid to the fast surviving beneficiary in the
is d) your brothers and sisters, e) your estate. All other indemnifies will be paid to you. ff you wish to change your beneficiary, you may
iministrata at: The Diect Marketing Group, Inc.,13265 Bedford Avenue, Omaha, NE 68164 a at Benefa~aryrequest@TlieDledMG.com.
Nirg from: (1) an Accident ocarrting while an Insured Person is n, entering a exiting any atraaft owned, leased a operated by this
mpbyee of the, Policyhdder on behalf of the Policyholder (this exdusbn does not apply to aircraft chartered with pflot a crew on one Erne
mering or exiting any aicraft while acting a training as a pibt a crew member (this excfusaxr does not apply to passengers who
emergency); (3) emotional trauma, mental or physical iflness, disease, Pregnancy, chikdtmth a miscarriage, bacterial a vital infection, a
bodily maffunctions (exrxpt bacterial infection caused bl' an A~oadent a from Accidental consumption of a substance contaminated by bacteria); (4) surdde, attempted suidde or Loss that is intentionally
self-infFcted; or (5) declared a undeclared V1far.
CLAP M NOTICE: Written chain notice must be given to the Cy withar 90 days after the ocwnence of any Loss r»vered by this policy a as soon as reasonaby possible. Far7ure to g'nre notice
within 90 days will not invalidate or reduce any otherwise va loan ff notice is given as soon as reasonaby possthle.
CLAIM FORMS: When the Company receives notice of a da ,the Company wftl send you forms for g'rvaig proof of Loss to us within 15 days. ff you do not receive the corms, you should send the
Comparry a written desaiption of the Loss.
CLAIM PROOF OF LOSS: Complete proof of Loss nxrst be fiver to C,anpany within 90 days after the date of Loss, a as soon as reasonably possible. Failure to give canplete proof of Loss withn
these tone frames wiF not invalidate any otherwise valid chin ff notice is given as soon as reasonably possible and in no event hater than one year after the deadline to submit complete proof of Loss.
CLAIM PAYMENT: The Company wiF Pay you a Yon ~ the appirable Benef'~ Amount within 60 days after complr#e proof of Loss is received and ff you, the Policyholder andlor the
beneficiary have compFed wdh all the terms of the pdii;y.
ARBITRATION: th the event of a dispute under this poky ethe Can-parry a the Irtsrxed Person may make a written demand for arbitration. th that case, the Company and the trnsured Person will each
select an arbitra-toc The two arbitrators wib select a thid. ff they carcat agree wdhir 15 days, edherthe Company or the Insured Person may request that the dwice of arbirarta be submitted to the Arrrerican
Art>iaation Association. The arbitration will be geld n the state Cre insured Person's ptinapa resrdenoe.
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEA~E CALL THE CLAIMS SERVICE CENTER AT 1-800~CLAIMS-0 (1-800-252670).
You can also go to the Canpany Web site (~y,,g~) d'idc on Report a Loss, select Acadent, Benefts and Life chins, select the .
appro-pri-ate farm, print out the chin form, fill out ~d mail. Y can fde a claim by mad or fax.
Mailing Address: CHUBB GROUP OF INSU CE COMPANIES
CLAIMS SERVICE CENTER
600 INDEPENDENCE P Y
PO BOX 4700
CHESAPEAKE, VA 23327 00
Fax Number. 1-800-31X}2538
As a handy reference guide, please read this and keep ft in a safe place with your other nsurance documents. This desaiption of coverage is not a contract of insurance but is a summary of the
principal provisions of the insurarxx while in effect. Canplete policy proveions are contained in the Master Policy, which can be obtaned irnm the Policyholder.
Policy #9gOCr18-O6
Policy Underveritien By Plan iiistr~dor
Federal Insurance Company The D'ri ed ~ Group, Inc.
a member insurer of the 13265 B Averwe
Chubb Group of Insurance Companies Omaha, NE 66164
15 Mountain View Road, PO Box 1615
Warren, NewJeresy Uxi61-1651
DESCRIPTION OF COVERAGE'
SECONDARY RENTAL CAR COLLISION COVERAGE
Discover' Cardmerrnbers can benefit from the security and offered through Excess CofFsion Damage Waiver. ff you rent a vehicle for 31 consecnrtive days a less (or 45 days under ceriaii
cirrxrmstances desarbed bebw) with your Card (as definer bw), you may be eligible for benefits under this coverage. Excess, CdFsan Damage Waiver is an insurance program, underwritten by
Federal Insurance Company Policy#9906-17-63 {the °Poi' )
DEFINITIONS:
~Qypj means a Card account
(~tual Cash Value means the cost to repay or replace the f~ ented
Auto-mobile at the tine of loss, less deprecation.
Cardmember means the holder of the Card whose name ap rs on the credit cad.
~ means the Discover Card.
f~ollision Damage means the died and acddental damage to a Rented AutomobBe caused by upset a cdfision wdh another object Collision Damage does not include bss caused by missiles, faNog
objects, fire, theft a larceny, explosion, earthquake, windsto ,hail, water, flood, malicious mischief a vandalism, riot a cjvi conrnofion.
~Q,~t means the Federa Insurance Canpany.
J~11 means Cardmembers and authored users of the nt.
means DFS Services LLC, the entity respon for the payment of premium.
Rental Aaencv means a canmerciai automobfte rental coin y licensed urxlar the Iauvs of the applicable jurisdiction.
Rented Automobile means afar-wheeled private passer type motor vehicle a a minnran rnanufachrred and designed to transport a maximum of seven passengers and used excursively to carry
passengers. A Ranted Aulanobite must be designed far irav Ion public roads and rented from Rental Agency.
TO GET COVERAGE:
The Collision Darnage Waiver Coverage is provided to you, as Insured, autanaticaFy when the erttae n~rta fee forthe Rented AutomobFe Ls dtarged a debded to yourAccour><. ft is not necessary for you to
notify the Company at the tine the rental fee is drarged a de ' ed to your Aocourrt.
You must decline the LossiDamage Waiver offered by the v isle Rental Agency.
You must rent the vehicle in your aim name and sign the isle rental agreenenUcontrad.
The average peripd will not exceed 31 con,~eartive days, 45
consecu-five days fi the Insured is an empbyee of an organ' whidi has pro-vided a Card to the Insured for business rxe.
THE KIND OF COVERAGE YOU RECEIVE:
In oor>sideraition of the premiian pad by the Pofwylwkler as fired, and subject to al the feints of the Pofwy, the Corrrpany agrees to reanburse on an Actual Cash Value basis either the Insured or the Rental
~lgerxy for repay a replacerrient of the Rented Automobae as resuF of CoFision Damage to the Rented Auhanobie. The Companys IiabiFty wit be for a ma>amum reinibnaserrxnt of $25,000. M no erent will
the Company be Fable beyond the amarnls aduaFy paid by Insured orthe ReittalAgency.
ff you a an Insured's primary vehicle nsurance a other cov rage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts not
covered by other insurance.
This coverage is not all-inclusive, which means it does not er such thugs as personal hjury or per~onaF frabiFty. R does not cover you for any damages to other vehicles or property. ft does nd cover
you for any injury to any party.
WHO IS COVERED:
Discover Cardmembers
EXCLUDED RENTAL VEHICLES:
Oft{oad, antique a limited edition mothr vehicles;trucks; ~ vehicles, canpers, pidarp tnxks, and mhi-buses; frr~ded ed~ion motavehicles a hgh vaM~e, exotic, high Periarriaxe a cdle~rtype.
Ffigh value mots vehicles are motor vehicles whose value exceeds $50,000, and antique nnda vehicles are defirned as any vehicle over 25 yeas old, a any vehicle which has not been
manufadured fa 10 yeas a more.
WHERE YOU ARE COVERED:
Coverage apples to vehicles nmfed h the United States aril
Covrerage is not available where prohbited bylaw.
WHAT IS ~ COVERED:
Coverage does not apply to bss resulting from the following:
Any dishonest, fraudulent or aiminal ad of the Insured.
' Forgery by the Ensured.
• Loss due to war a confiscation by authorities.
Loss due to nuclear readion a radbadive contamination.
only.
The Insured berg intoxicated, as defned by the laws of the j~lrisdiction where the bss occurred, or under the iMluence of any narcotic unless prescrbed by a physician.
• Use of the Rented Automobile to corny passengers and Pro dY for hie.
Use of the Rued Automobile by a person otherthan the one
Loss of use of the Rented Automobile.
Intentional damage to the &ernthd Arrtarnobile by the 4rsured.
Rented Autarnobie by the terms of the Renal Agreement
Damage which is due and conf'med to wear and tear, frepzirx,~, mediani-cal a eledrical breakdown a failure.
Damage to tires unless the bss is kxiunadent with a covered
Use of the Rented Automobile in tests, races a contests.
The Rented Automobile being operated a bated n any terri
pm-hibded by the temu of the Rental Agn~rnent.
FOR INSUREDS WHO ARE NEW YORK STATE RESIDEN
To the extent that this plan provides nsurance against darrnac
days, a 45 consecutive days tt the Insured is an empbyee of
over any other valid and cdledr~le insurance
coverang the Rented Automoble. However, the nsurance pn
Rented Automobile is rented fa use outside the United State:
use; and (c) the Rented Automobile Ls rented witlnout a driver.
HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAI
In the event of a claim, written a verbal notice must be provid
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEA:
You carp also ggto the Company Web site (,gam)
tail tde 8 ditili f orfax.
Mailing Address: CHUBB GROUP OF INSURA
CLAIMS SERVICE CENTER
600 INDEPENDENCE PARKI
PO BOX 4700
CHESAPEAKE, VA 23327~7~
Fax Number. 1-80Q300-2538
Ct1~lM PROCEDURE:
The Insured must send the Company written notice d a
must be given as soon as reasonably possible. To file a
A cePY of the Acrokant statement stnowing the automobile rental
A tx>py of the automobile rental agreement.
• A copy of the police repot.
A copy of the initial claim report submitted to the automobile F
A copy of the paid claim prnsented by the automobile Rk
Proof of submission of the loss to, and fhe results of any
to a rented motor vehicle, the folbwiog temns and kxrnd~iorns apply: (1) the period of insurance coverage wtll not exkx~ed 31 kxrknsecutive
n organ'¢ation which has provided the Card io the Insured fa business use; and (2) the insurance provided by this plan wll be excess
ided under this plan may be primary iF specfica0y Ixovided fa under the temps of this plan and if the folownn9 kx>7eria is met (a) the
its territories and possessions; (b) the Insured is an empbyee of an agan'¢ation which has provided the Card to the Insured for business
IAGE WAIVER:
d as soon as reasonably possible.
E CALL THE CLAIMS SERVICE CENTER AT 1.800-CLAIMS-0 (7-800-252.4670).
didk on Report a Loss, select Acddent, Benefits and Life claims, sated the appropriate form, print art the dam form, fitl oral and mail. You
COMPANIES
indud'nng the Insurekfs name and Poficy number, within 90 days after a ~ered bss ocaus. tt notice cannot be given within that tune, i
Proof of Loss, the Insured must send the following information to the Company a its authorized representative:
A9axy
fa the Collsian Dannage fa which the Insured is responsible.
a denial by the appficabb insurance carrier(s).
~I
ff no other nsurarxe is applicable, a notarized statement the Insured to that effect.
Rer++inder. Please refer to the Insurance Disclosures sec 'on.
INSURANCE DISCLOSURES
As a handy reference guide, please read this document and eep it in a safe place with your other ir>SSUranc:e dowrtrents. This Surrvnary of Cover-ate is not a corrtract of nsur~oe barb an
informative state-rnent to eigible Insureds of the prnapal isions of the e~sur~ce whae m effect. Complete pnwisions pertameig to this plan of insurance are oartair~ed m the master poficy on file wfih
DFS Services LLC, he2in referred to as the Policyholder. ff a statement in this Summary of Coverage and any provision in the po6ry ddfer, the poky wiB govern.
Poky UndenvriCen by Plan ministrator
Federal Insurance Company ("Com>panv7 The Direct M sting Group, Inc.
a member of the 13265 ord Avenue
Chubb Group of Insurance Compardes Omaha NE 68164
15 Mountain Yew Road, PO Box 1615
Warren, New Jersey 07061-1651
Master Policy Number. 9906-17-63
Effective date of benefits: Effective Apn11, 2007, this guide laces all priordisdosures, program desaiptrons, advertising, and/or brochures by any party. Policyholder and Company reserve the right
to change the benefits and features of these programs at any '
Cancellation: Poficyhokier can cancel these benefids at any t or choose not io renew the nsurance wverage fa all authorQed Cardmembers. N Policyhoder does cancel these tenefits, you will be
notified at least 60 days in advance. ff the Company termin s, cancels, or chooses not to renew the crnrerage to PoGcyhokier, you will be notified as soon as is practicable, Insurance benefds witl still
apply for any benefits you were eligible for prior to the date of uch terminations, prx~llation ornon-renewal, subject to tt-e temu ~d cond'kions of coverage.
Benefits to you: These benefids apply ony to Cardmembers ose cads are issued by U.S. financial institutions. The United States is defned as the 50 Untied States, the District of Columbia,
American Samoa, Puerto Rico, Guam and the U.S. Vugin I ds. No person or errtdy other than the Card-rr>emtrer shah have any legal or equitable right, rerrredy, or drawn for bsurance proceeds
and/or damages under or arising out of this coverage. These refits do not apply i yore Card privileges have been cancelled. However, insurance benefits will still apply for any benefd you were
eligible for prior to the date that your Account is suspended or cancelbd subject to the terms and cor-difions of coverage of your Cardmember Agreement.
Transfer of rights or benefiEs: No rights or benefits pro ' under these insurance benefits may be assigned wrthoul the prior written t of the Company.
Misrepresentation and Fraud: Coverage ~ the Insured will void d, at any twine, the Insured has conc~led or misrepresented any material fact or circumstance concemwrg this wverage or the
subject thereof or the interest d the Insured heren, or m case of any fraud or false swearing by the tnsured relating thereto.
Coverage for an Insured well be vad d, whether before or aft a k>ss, the Poficyholder or its subscribing organization(s) has concealed or
misrepre-sented any material fact or draxrrstance concern' this coverage or the subject thereof or the inierest of the Insured therein, or b case
of any fraud or false swearing by the Pdicyholder or its sub 'bwxJ
organFZa-tbn(s) relatwxl hereto.
Addition of New Insureds: All elgible persons wiB be aul Ily wuured under this Policy.
Examination Under Oath: It is a conditbn of this nsurance the Insured and the Poficyholder, as often as may be reasaraby requwed by the Company, wfN submil, and within its power cause
others to sulxnit, to examinations undue oath and will produce for examinatbn all wrilngs, books of account, bilk, nvoices and other vouchers, or cerfdied copies thereof d originals are bst, at such
reasonable fine and place as may be designated by the ny or its representative, and will pemtil extracts and copies thereof to be made. No such examination under oath,
exami-nation of doaments or any other ad of the Company, employees or representatmes b connection with the wrvestigation of any bss or claim will be deemed a waiver of any defense and such
acts shall be deemed to have tx~n made or done withart dice to the Company's Gabildy.
No Benefit to Others: This coverage will th no way inure d' or indwedly to the benefd of any usurer, person or organ¢ation or other bailee.
Subrogation: K is a condifxxr of this insurance that'd the any pays the Insured far a bss, il wit requires the wrsured to assign and transfer any clown or right of action against any individual, firm or
corporation for such bss to the Company or subrogate or ho b bust ail such rights to the extent of the amourrt paid. The Insured wiN agree to take action as requested by the Company to enforce such
rights. Upon payment by the Company to the Insured, the In agrees to direct erdoroerr>ent of such rights as reasonaby requested by the Company and to return to the Company any recovery to
the extent payment of bss has been made by the Company.
Arbitration: In the event of a dispute under this policy, either a Company or the Insured may make a written demand fw arbitration. In that qse, the Company and the Insured wit each select an
arbitrator. The two arbi-trators wdl select a third if they c~not ree wilhin 15 days, eiUrer the Company cr the Insured may request that the choice of arbitrator be ~bm'dted to the American ArbiUatbn
Assoaation. The arbitration wtll be held n the state of the Insu 's principal residence.
GLOBAL TRAVELER'S HOTLINE TERMS AN CONDITIONS
The Gbbal Traveler's Hotline provides Cardmembers and the~r famlies a wide range of free travel assistance benefits. R is operated by AXA Assistance USA, Inc. visit Discovercard.comltravel to team
more.
Eligibility. You must be a Cardmemt>er whose Aa:ount ism standwg, the Cardmemt>er's spouse or dependent child traveling with the
Card-mernber or an Authored User of an Account wr good ding.
Third-Party Charges. Gbbal Traveler's Hotlne is not insu , so you wit be 2sponsible for all thid-party fees and expenses for services requested, such as professional or medical fees.
Availability of Services. Certan services may rwt be avadab in all areas. Coil us at 1 X00-0ISCOVER (1-80Q347-2683) for assistance or iF you have questions about a speafic debnation.Outside
the U.S., callus coiled at 1-601-902-3100. While AXA Assisha will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affidates will be
Liable iF a service is not provided or for any services that are vided by third parties. The services aril these temrs and conditions are subject to change without notice.
VOJ~r`'x;Y~r C~ $3,965.'9 ~i $80.00 ~~ Enter Amount Enclosed Below
~~C Ii Payment Due Date
Juns 11, 2006 please make check pa able to Discover Plptinum
Card or pay online ~ Discovercard.com.
12 SDSN6A01 0012970 ~ ~~ I._ ~ Lp '~ c~ ~~~
STONE, HEATHER R Go paperless and make your account /~
9 WESTWOOD CT ~ ~ ' `\ ~ intormation more secure wrath password-
~' ;~" protected statements only you can access.
E N O L A P A 17 0 25 -15 08 Learn more at discover.cornlpaperless.
PO BOX 71084 ~~~~n~~nnn~~u~r~~n~~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changey Print hangs in space I~~I~I~~~I~~~I~II~~~I~~I~I~~~IIII~~~I~~I~~I~~'I'~I~~'~~I~I'~I'
above, or go to Discover.com. Print your e- ail address to
receive important Account information and pecial offers.
000001986618092438113039657901300000008000
,'Discover Platinum Card ~ccount Summary
Closing Date: May 12, 2006 page 1 oft
'.Account number ending in 4766 ', Previous Balance $0.00
'Payment Due Date June 11, 2004 Payments And Credits - 1,340.00
'.Minimum Payment Due $80.00 ', Purchases + 5,305.79
!Credit Limit $7,250.00 Cash Advances + 0.00
'Credit Available $3,284.00 ', Balance Transfers + 0.00
(Cash Credit Limit $3,600.00 ', Finance Charges + 0.00
',Cash Credit Available $3,284.00 New Balance = $3,965.79
You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
Cashbtuk B017u5® Opening Cashback Bonus Balonce $ 137.35
New Cashback Bonus This Period + 37.54
', Redeemed This Period - 40:00
Cashback Bonin-Since Anniversgry Months - Cashback Bonus Balance - $ 13489
April: $128.02,
CONGRATULATIONSI Your Cashback
~Bonus(R) is waiting for you. Visit i
Discovercard.com or call 1-800-DISCOVER
;(1.800-347-2683) to get your shore of ',
!America's #1 Cash Rewards Program. ~
How Can We Hel You? ~
P
'Jt's your choice - 3 ways to h~
'Please have your Discover Card available.
.For TDD assistance for hearin
( g impaired] s 1 • Visit Diccover.com to pay your bill For no cost, view r
latest Account information, cam and redeem rewards and more
lp 2. Call 1-800-DISCOVER (347.2683) For fast, easy self-service
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
e reverse side Salt Lake City, UT 84130
TranSaCtlonS $0 Fraud Li bility Guarantee Use your Discover Card with confidence.
Trans. Po
Dats Da
!Payments and Crodits Apr 28 Ap 28 PAYMENT -THANK YOU $ -1,300.00
'Award and Rebats Crodits Apr 23 Ap 23 REWARD REDEMPTION CREDIT -40.00
Msrchondiss/RetaN Apr 23 Ap 23 WALMRT SUPERCNT 001591 HARRISBURG (EPA 103.84
Apr 25 Ap 25 KMART 9123 ENOLA PA 55.02
ICNher/Miscellaneous Apr 26 Ap 26 TRANSFER OF BAL FROM 601 1 2986 2031 5964 1,283.53
Gasoline Apr 1 1 Ap 13 CHOICE CIGARETTES #942 CAMP HILL PA 596.58
Apr 11 Ap 13 CHOICE CIGARETTES #942 CAMP HILL PA 768.36
Apr 23 Ap 23 SAMS CLUB 008175 HARRISBURG PA 60.02
Apr 23 Ap 23 CHOICE CIGARETTES #942 CAMP HILL PA 576.33
Apr 25 Ap 25 SUNOCO ENOLA PA 40.01
May 9 Ma 9 CHOICE CIGARETTES #942 CAMP HILL PA 893
20
May 9 Ma 9 CHOICE CIGARETTES #942 CAMP HILL PA .
782,78
Supermarkets Apr 18 Ap 18 GIANT FOOD STORES #263 ENOLA PA 23.06
Apr 19 Ap 19 R&S SURPLUS FOODS MARYSVILLE PA 12.43
Apr 24 Ap 24 GIANT FOOD STORES #263 ENOLA PA 7
97
May 9 Ma 9 GIANT FOOD STORES #263 ENOLA PA .
94.67
~1J~.'''r CR ~ DISCOVER, , Account number ending in 4766
Get added security wi no paper trail
Make your account information m e secure with
password-protected statements that only you can access.
• Access up to 24 months of do nloadable, Sign up today at
printable statements. DISCOV@GCOtn~pOPer~@SS
• See your statement as soon as is available ~'
rather than wait for it to arrive n your mailbox.
i
• Get helpful payment reminders through e-mail -
or text messages on your mobil phone. ,,
' `~
,~
• Print a paper copy of your stat ment anytime.
i C42009 Discover Dank, Member FDIC
Closing Date; May 12, 2006 page 2 of 2
Supsrmarkets May 10 May
I 10 GIANT FOOD STORES #263 ENOLA PA $ 7,99
Information For You
!,
Let your Discover(R) Card pay your monthly b Ils, and you'll have more free time and a clearer picture of your monthly
spending. Simply contact your service provi ers today to set up regular automatic payments with your Discover Card and
start building your Cashback Bonus(R) even
ii
II
i
~'~
~I
I star.
Finance Charge Summary
Average
Daily Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES C G S CHARGES
current billing period: 30 days
Purchases $0
Cash Advances $0 0.035599'0 12.999'• F 12.999'0 $0 $0
0.054779e 19.999'e F 19.999e $0 $0
previous billing period: 31 days
Purchases $0 0.035599e 12.9990 F 12.999'0 $0 none
the rates that apply to your Account are either Fixed (f) or they may vary (V) as noted above.
QUeSt10nS? Manage your accou tat Discover.com or
V1J~.+~~::~~ ~/ ~~( $2,108.91 ~ $43.00 ~ Enter Amount Enclosed Below
Payment Due Date $ ~-
July 11, 2006 please make check payable to Discover Platinum
Card or pay online ~ Discovercard.eom.
12 SDSN6A01 0012971
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discoveccom/paperless.
PO BOX 71084 ~~~rii~~rnnr~~rr~r~~nr~~
CHARLOTTE NC 28272-1084
Address, a-moil or telephone change;! Print Khange in space '~~~~'I~~I~~iI~II~~~~~iI~I~~~IIII~~~'„~~~I11II~~I~~I~~I~~'~II
above, or go to Discoveccom. Print your e•rjnail address to
receive important Account information and ~pecia) offers.
0000019866180924381'13021089104000000004300.
Discover Platinum Card ~4lccount Summary
Closing Date: June 12, 2006 page 1 of 2
Account number ending in 4766 Previous Balance $3
965.79
Payment Due Date
Minimum Pa
t D July 1 1, 2006 '
$43
00 Payments And Credits ,
_ 4,000,00
ymen
ue . Purchases + 2,143.12
Credit Limit $7,250.00 Cash Advances + 0.00
Credit Available $5,141.00 Balance Transfers + 0.00
!Cash Credit Limit $3,600.00 Finance Charges + 0.00
(Cash Credit Available $3,600.00 New Balance $2,108.91
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CQShback Bcnus®
'Cashback Bonus® Since Anniversary Month
April: $143.33
CONGRATULATIONSI Your Cashback
', Bonus(R) is waiting for you. Visit
',Discovercard.com or call 1-800-DISCOVER'
!(1-800.347-2683) to get your share of
America's #1 Cash Rewards Program. Opening Cashback Bonus Balance
New Cashback Bonus This Period
Cashback Bonus Balance
- $ 134.89
+ 15.31
$ 150.20
-
;How Can We Hel YOU?
P
' 1 • Visit Discowacom ro pay your bill for no cost, view our
latest Account information, earn and redeem rewards and more
!
It's your choice - 3 wtrys to h¢Ip 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 hearin 3. Write us at Discover Card PO Box 30943,
( g impaired) s~e reverse side Salt lake City, UT 84130
Transactions $0 Fraud Lid ~bility Guarantee Use your Discover Card with confidence.
Trans. Po
Date Da~ e
Payments and Crodits Jun 1 Junl 1 PAYMENT -THANK YOU $ .4 000.00
Merchandise/Retail May 13 M
_ y 13 KMART 9123 ENOLA PA 10.59
Tun 2 ]un 2 WAL-MART SC = # 1591 HARRISBURG (EPA - 289.40 ~ _
Jun 2 Jun 2 WAl-MART SC - #1591 HARRISBURG (EPA 5.65
Jun 3 Junl 3 Al-WRIGHT #0155 HARRISBURG PA 42.05
Restaurants May 15 M 15 PAPA JOHNS #2317 EHOLA PA 16.95
Gasoline May 10 M 13 SUNOCO ENOLA PA 60.01
May 23 M 23 CHOICE CIGARETTES #942 CAMP HILL PA 453.61
May 23 M 23 CHOICE CIGARETTES #942 CAMP HILL PA ~ 660.94
Jun 1 Jun 1 GIANT FOOD STORE #100 NEWPORT PA 4q,00
Jun b Jun b GIANT FOOD STORES #263 ENOLA PA 63.02
Jun 10 Jun 10 TURKEY HILL #0090 Q69 HARRISBURG PA 1,37
Jun 10 Jun 10 TURKEY HILL #0090 Q69 HARRISBURG PA 38.01
~Servicss May 19 Ma 19 NPO*NEXTEL PARTNERS 888.566.6111 NV 200.00
590497621551182
Jun 8 Jun 8 DISH NETWORKANE TIME 800.333-3474 CO 100,00
L)IJC.~ k:~V tK
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Closing Date: June 12, 2006 page 2 of 2
Supermanksts
Warohouse Clubs
~DiS~C~VER' ~ Account number ending in 4766
May 12 Ma 13 GIANT FOOD STORES #088 MIDDLETOWN PA
May 14 ~
Ma 14 GIANT FOOD STORES #006 HARRISBURG PA
May 31 Ma 31 R&S SURPLUS FOODS MARYSVILLE PA
May 31 Ma 31 R&S SURPLUS FOODS MARYSVILLE PA
May 12 Ma 13 SAMS CLUB • #8175 HARRISBURG PA
May 12 Ma 13 SAMS CLUB • #8175 HARRISBURG PA
Jun 2 Jun SAMS CLUB • #8175 HARRISBURG PA
'Information For You
Balance Transfer offer For current billing peric
RATE: 3.90%. Rate is subject to the terms of
3.08
15.30
12.49
14.95
4.35
36.89
65.46
Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE
offer including expiration.
Congratulations to the 2006 National Discov r(R) Card Tribute Award(R) Scholarship winners: Jacqueline Bavier, Stephen
Carlson, Winter Downing, Tyler Fortney, Bet ny Lyon, Monika Mackow, Desiree Nelson, Seth Robinson, William Stone,
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Discovercard.com provides you with the easi st online self-service options that put you in control of your account. Make a
payment today or schedule one in advance, ign up for timely email reminders to help you avoid fees. Easy account
i management is just a click away) Register o ,log in to Discovercard.com/register
Finance Charge Summary
{
Sign up today at
Discovercom/paperless
12.999'0
19.99%
Purchases $0 0.035599'• 12.9990 F 12.99%
The rates that apply to your Account are eithe Fixed (F) or they may vary (V) as noted above.
QU@St10nS? Manage your acco nt at Discover.com or
current billing period: 31 days
Purchases $0 0.03559% 12.999'• F
Cash Advances $0 0.05477% 19.99% F
previous billing period: 30 days
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES C G S CHARGES
$0 $0
$0 $0
$0 none
®2009 Dixover [Sank, Nlamber FDIC
~~J~r"•-°~zv"Y ICII~ $4,104.34 ~ $83.00 I Enter Amount Enclosed Below
12 SDSN6A01 0012972
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Payment Due Date
August 11, 2006 please make check paYable to Discover Platinum
Card or pay online ~ Discovercard.com. '
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.comJpaperless.
' PO BOX 71084 ~~~ns~~uun~~u~r~~ur~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change2 Print change in space ~r~l~ll~~l~~~fill~~~'~~I~IrI~II'I'~~~'~~~~I~~II~~I"I,~I1'"I)
above, or go to Discover.com. Print your a ail address to
receive important Account information and Special offers.
000001986618092438]x''13041043403000000008300
`Discover Platinum Card ~b-ccount Summary
' Closing Date: July 12, 2006 page 1 of 3
',Account number ending in 4766
(Payment Due Date August 1 1, 20106
Minimum Payment Due $83.00
(Credit Limit $7,250.00
Credit Available $3,002.00
Cash Credit Limit $3,600.00 ',
Cash Credit Available $3,002.00
Previous Balance $2,108.91
Payments And Credits - 3,350.81
Purchases + 5,346.24
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 000
New Balance $4,104.34
You may be able to avoid Periodic finance Charges, see the
reverse side for details.
CdShbaCk Botlus® Opening Cashback Bonus Balance $ 150.20
New Cashback Bonus This Period + 41.97
Redeemed This Period - 140.00
Cashback Bonus® Since Anniversary Montfl Cashback Bonus $alance - $ - 52; }~
.April: $185.30'...
':How Can We Hel You? I! 1. Visit Discowncom to pay your bill for no cost, view ur
P latest Account information, cam and redeem reward~°and more
~trS yOUC ChO1Ce - 3 ways to help 2. Call 1.800.DISCOVER (347-2683) for fast, easy selFservice
'Please have your Discover Card available. options or to speak with a Customer Service Account Manager
'For TDD (assistance for hearing impaired) s9e reverse side 3' Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
,Transactions $0 Fraud Lia bility Guarantee Use your Discover Card with confidence.
Trans. Po
Date Da ~e
Paymenh and Credits Jun 13 June 13 PAYMENT -THANK YOU $ .3 000 00
Jul 4 Jul' WAL-MART SC - #1591 HARRISBURG (EPA -210.81
'Award and Rsbab Crodits tun 19 Jung 19 REWARD REDEMPTION CREDIT -140.00
!Merchandise/Retail Jun 13 Jun', 13 WAL-MART SC - #1591 HARRISBURG (EPA 49
59
Jun 21 Juni, 21 WAL-MART SC - #1591 HARRISBURG (EPA .
214
27
Jul 1 Jul I ' WAL-MART SC - #1591 HARRISBURG (EPA .
93
31
Jul b Jul LL BEAN INC FREEPORT ME .
53
35
- .. _ Jul 6. Jul _ GABBIELBR.OS-_HARRISBU HARRLSBLJRO.PA .
_
19 98
Jul 6
Jul
NEW YORK & COMPANY HARRISBURG PA .. _.
119
88
Jul 6 Jul ~ ROSS DRESS FOR LESS H PA .
68.95
'Restaurants Jul 6 Jul ~ CHUCK E CHEESE00009647 HARRISBURG PA 32.58
Gasoline Jun 12 Jun 13 EXXONMOBIL PN11175 ENOLA PA 1.21
180 965 553 1
Jun 13 Jun 13 CHOICE CIGARETTES #942 CAMP HILL PA 583
87
Jun 13 Jun 13 CHOICE CIGARETTES #942 CAMP HILL PA .
310.44
Jun 17 Jun 17 SUNOCO ENOLA PA 2 12
Jun 17 Jun 17 SUNOCO ENOLA PA 19
00
Jun 20 Jun 0 EXXONMOBIL L3S2663 ENOLA PA .
42.01
180 965 553 1
1ul 1 Jul SUNOCO ENOLA PA 2 62
Jul 1 Jul SUNOCO ENOLA PA 60
53
Jul 2 Jul CHOICE CIGARETTES #942 CAMP HILL PA .
947
43
Jul 3 Jul ~ CITGO 7-ELEVEN STORE HARRISBURG PA .
4,74
L~IJt.'~r;'V tK
r ~ Account number ending in 4766
ISC_ _~
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Make your account information m re secure with
password-protected statements that only you can access.
• Access up to 24 months of dov~nloadoble,
printable statements. i
• See your statement as soon as It's available
rather than wait for it to arrive in your mailbox.
• Get helpful payment reminders (through a-mail
or text messages on your mobil phone.
• Print a paper copy of your stat$ment anytime.
Sign up today at
Discovercom/pa perless
®2009 Dixover Bank, Member FDIC
Closing Date: July 12, 2006 page 2 of 3
Gasoline L71142210
Jul 7 Jul 7 ! CHOICE CIGARETTES #942 CAMP HILL PA 782
36
Jul 7 Jul 7I CHOICE CIGARETTES #942 CAMP HILL PA .
808
22
Jul 7 Jul ~ CHOICE CIGARETTES #942 CAMP HILL PA .
283.30
Jul 8 Jul 8 TURKEY Hlll #0268 Q69 MECHANICSBURGPA 56.00
Automotive Jun 17 Jun
~ 7 ADVANCE AUTO PARTS #12 ENOLA PA 8.73
Jun 29 Jun 9 SCHULERS ALL PRO ENOLA PA 7,00
Travel/Entertainment Jul 3 Jul 3i, HOYT HARRISBURG 14 HARRISBURG PA 12,75
Services Jun 28 Jun ~ 8 CINGULAR*3466201800140 WICHITA FAL TN 150.00
Jun 29 Jun 9 NPO*NEXTEL PARTNERS 888-566-b1 11 NV 150.00
082921621551182
Jul 1 Jul 1'' HAIR CUTTERY #3126 ENOLA PA 60.00
Supsrmarfcets Jun 16 Jun 6 R&S SURPLUS FOODS MARYSVILLE PA 15.25
Jun 26 Jun ~ b RB~S SURPLUS FOODS MARYSVILLE PA 26.45
tun 26 Jun 6 R&S SURPLUS FOODS MARYSVILLE PA 12,80
Jul 5 Jul 51, GIANT FOOD STORES #263 ENOLA PA 0.89
Jul 7 Jul T, GIANT FOOD STORES #263 ENOLA PA 2.82
Govemmsnt Services Jun 24 Jun 4 WINE & SPIRITS 2108 ENOLA PA 11.97
Warohou:• dubs Jun 13 Jun 3 SAMS CLUB - #8175 HARRISBURG PA 38.76
Jun 16 Jun b SAMS CLUB - #8175 HARRISBURG PA 158.82
Jun 16 Jun 6 SAMS CLUB - #8175 HARRISBURG PA 121.60
Jun 21 Jun 1 SAMS CLUB - #8175 HARRISBURG PA 25.72
Department Sroro Jun 24 Jun ~ 4 BOSCOV'S DEPT STR 78 HARRISBURG PA 7,14
Information For You ~,
Balance Transfer oFfer For current billing perio :Daily Periodic Rate: 0.005213'0; corresponding ANNUAL PERCENTAGE
RATE: 1.909e. Rate is subject to the terms of t~ne offer including expiration.
Shop conRdently. Your Discover(R) Card has ~ou covered with Complete Fraud Protection For your peace of mind. With our
advanced Fraud warnings, you'll know right ai/ray if any suspicious activity occurs. And iF someone makes Fraudulent
charges with your card, our $0 Fraud liability ~uarantee means you're not responsible.
Finance Charge Summary
Average
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily
Balances Periodic
Rates PERCENTAGE
RATES PERCENTAGE
RATES FINANCE FINANCE
CHARGES C GES
current billing period: 30 days
Purchases $0 0.03559% 12.999e F 12.999e $0 $0
Cash Advances $0 0.054779e 19.999'• F 19.999'0 $0 $0
previous billing period: 31 days
Purchases $0 0.03559% 12.9996 F 12.999e $0 none
The rates that apply to your Account are either fixed jF) or they may vary IV) as noted above.
veSt'IOflS? Manage your accou tat Discover.com or
__ i
Cashback Bonus Anniversa ate: Aril 12 Balance
Previous Cashback Bonus Awa d Balance $ 150.20
Gas & Purchase Award + 41.97
Cash ac Bonus Award Tota 192.17
6/19 Account Credit - 140.00
Cashback Bonus Award Balanq'e 52, ~ 7
Award Available to Redeem '' $ 40.00
Restrictions apply to
details. For prograrr
VIJ~.~~~~V CK
Cashback Bonus
~ Julx 12, 2006 I Account number ending in 4766
page 3 of 3
Plus Summary
s visit Discovsr.<om or call 1-800-DISCOVER (1-SOQ347--2683) for
('rogram Terms and Conditions.
$1,107.bq,~__
12 SD5N6A01 0012973
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Cashback Bonus Since Anniversary -vlonth '
April: $190.30 '
Account number ending in 4766 Previous Balance $4,104.34
Payment Due Date September 11, X006 Payments And Credits - 4,105.00
Minimum Payment Due $23.00 Purchases + 1,108.35
' Credit Limit $7,250.00 ' Cash Advances + 0.00
Credit Available $5,902.00 Balance Transfers + 0.00
Cash Credit limit $3,600.00 Finance Charges + 0.00
Cash Credit Available $3,600.00 New Balance $1,107.69
You may be able to avoid Periodic Finance Charges, see the
' reverse side For details.
CO5116QCIC BOpUS® Opening Cashback Bonus Balance $ 52.17
New Cashbock Bonus This Period + 5.00
' Cashback Bonus Balance $ 57,17
$23_00 _ _ __ Enter Amount Enclosed Below
Payment Due Date
September 11, 2006 please make check ayyable to Discover Platinum
Card or pay online ~ Discovercard.com.
Go paperless and make your account
Information more secure with password-
protected statements only you can access.
Learn more at discover.cotrdpaperless.
PD BOX 71084 Illsrrllrrrrrrllrrlrllrrrll
Address, email or telephone changeR Print c ange in space ~i~l~ll~~~~~~l~ll~~~l~~'~I~~~I'II~~~I~~~~~li~ll~~l~~~~~l~~f~ll
above, or o to Discover.com. Print ur em CHARLOTTE NC 28272-1084
9 yo it address to
receive important Account information and s eeial offers.
00000198661809243817130110?6904105000002300
'Discover Platinum Card A~CCOUnt Summary
', Closing Date: August 12, 2006 page 1 of 2
CONGRATUTATIONSI Your Cashback '
Bonus(R) is waiting For you. Visit ',
Discovercard.com or call 1.800.DISCOVER ',
(1-800.347-2683) to get your share of
America's #1 Cash Rewards Program. ',
How Can We Hel YOU?
P
It's your choice - 3 ways to he~
Please have your Discover Card available.
For TDD (assistance for hearing impaired) se 1 • Visit Discovsacem to pay your bill For no cost, view our
latest Account information, earn and redeem rewards and more
p 2. Call 1-Soo-DISCOVER (347.2683) for fast, easy selFservice
options or to speak with a Customer Service Account Manager
reverse side 3' Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Lfal ~fiFty Guarantee Use your Discover Card with confidence.
Trans. Post
Date i
Date
Paymsnh and Credits Aug 11 Aug'~ l 1 PAYMENT -THANK YOU $ -4,105.00
Merchandise/Rstod Aug 9
_. . Aug WAL•MART SC - #1591 HARRISBURG (EPA 30.25
Aug 10 Aug 10 WA41v1AF:T 5C - #1591 HARRISBURG (EPA 13.63
Gasoline Aug 2 Aug SUNOCO ENOLA PA 57.51
Aug 3 Aug SUNOCO HARRISBURG PA 52.01
Aug 3 Aug SUNOCO ENOLA PA 38.75
Aug 4 Aug TURKEY HILL #0265 Q69 HUMMELSTOWN PA 46.00
Avg 5 Aug SUNOCO HARRISBURG PA 46.01
Aug 9 Aug SUNOCO HARRISBURG PA 56.75
Automotive Aug 1 Aug 1 SUTLIFF CAPITAL FORD HARRISBURG PA 20.00
' Travel/Entertainment Aug 7 Aug CAPITAL CITY CAB SERVI STEELTON PA 200.00
Services Jul 31 Jul 3 NPO*NEXTEL PARTNERS 888-566-61 l l NV 200.00
466430621551182
Aug 1 Aug XPOSE 7175587585 PA 50.00
Aug 1 Aug XPOSE 7175587585 PA 79,00
Supermarkets Aug 1 Aug GIANT FOOD STORES #263 ENOLA PA 24.94
Get added security ~
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password-protected statements I
• Access up to 24 months of do{rrnloadoble,
printable statements.
• See your statement as soon asp it's available
rather than wait for it to arrive in your mailbox.
• Get helpful payment reminder through a-mail
or text messages on your mob~le phone.
• Print a paper copy of your sta+ement anytime.
I
Sign up today at
Discovercom/paperless
Closing Date: August 12, 2006 pope 2 of 2
',Supermarkets Aug b
Home Improvement Aug b
Aug b
~~~~~~_'~ Account number ending in 4766
1 no paper trail
e secure with
only you can access.
b GIANT FOOD STORES #263 ENOLA PA 36.59
b THE HOME DEPOT 41 13 HARRISBURG PA 65.82
6 THE HOME DEPOT 4113 HARRISBURG PA ql ,Oq
!Information For You
'Balance Transfer offer For current billing P'
'RATE: 1.909'0. Rate is subject to the terms
Save time and a stamp this month by payir
poyments in advance up to your due date,
online payment features, visit Discovercard
~d: Daily Periodic Rate: 0.005219e; corresponding ANNUAL PERCENTAGE
the offer including expiration.
bill online at Discovercard.com. Make none-time payment or schedule
per it's most convenient For you. To find out about our Free and flexible
Discover Financial Services is once again p ud to support the Juvenile Diabetes Research Foundation's Walk to Cure
Diabetes. Help us raise even more money t~fund research for a cure by participating in the Walk or donating your
Cashback Bonus(R) to JDRF. A cure is withi reach. To learn more, visit Discovercard.com or www.jdrF.org
.Finance Charge Summa
Average
Daily
Balances
current billing period: 31 days
Purchases $p
Cash Advances $0
previous billing period: 30 days
iPurchases $0
The rates that apply to your Account are eith~
QUeStlonS? Manage your acts
.._II 7 _OAA_r\IC~`A\/CD I1 O(~r1 7 A7
Nominal Transaction
Daily ANNUAL ANNUAL Periodic fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINACHARGES
Rates RATES RATES CHARGES
0.03559% 12.99% F 12.99% $0 $0
0.05477% 19.9990 F 19.999'0 $0 $0
0.035599e 12.9990 F ] 2.99% $0 none
r fixed (F) or they may vary (V) as noted above.
Int at Diseovsr.com or
1071
®2009 Discover Bank, Member FDIC
UISC;`~m'VtK
$3,652.061,
12 SDSN6A01 0012974
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.comlpaperless.
', PO BOX 71084 Ill~~~llu~n~ll~~l~ll~nll
CHARLOTTE NC 28272-1084
Address, email or telephone changeZ Print c ange in space I~~)~II~~)~~~I~))~~~I~~)~'~~~)I)~~~~I~~I~~I~~)I~~)~~)~~)~)i~ll
above, or go to Discover.com. Print your em it address to
receive important Account information ands cial offers.
000001986618092438113036520601110000007300
___ ~
!Discover Platinum Card A~count Summary
' Closing Date: September 12, 2006 page 1 of 3
Account number ending in 4766 ' Previous Balance $1,107.69
Payment Due Date October 1 1, 206 Payments And Credits - 1,194.91
Minimum Payment Due $73.00 ', Purchases + 2,174.70
Credit Limit $7,250.00 ', Cash Advances + 1,500.00
Credit Available $3,597.00 Balance Transfers + 0.00
Cash Credit Limit $3,600.00 ' Finance Charges + 64.58
Cash Credit Available $2,100.00 ~ New Balance = $3,652.06
!, You may be able to avoid Periodic Finance Charges, see the
! reverse side For details.
Cashback Bonuse ~
'
',
Cashback Bonu3® Since Anniversary Month ',
.April: $200.78 ~,
I
CONGRATUlAT10NSl Your Cashback '
' Bonus(R) is waiting for you. Visit '
Discoveroard.com or call 1-800-DISCOVER
(1-800.347.2683) to get your share of ',
America's #1 Cash Rewards Program.
I Opening Cashback Bonus Balance
New Cashback Bonus This Period
Cashback Bonus Balance $ 57.17
+ 10.48
$ 67,65
~~
'How Can We Hel You?
P 1. Visit Discover.com to pay your bdl for no cost, view ur
latest Account information
earn and redeem rewardsoand more
It's your choice - 3 ways to he~ p ,
2. Call 1-Bon-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 hearin im aired see
( 9 ~ P ) reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Lia ilfty Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Paymsnh and Cr.dits Aug 10 Aug 13 NEW YORK & COMPANY HARRISBURG PA $ -84.91
Aug 31 Aug 31 PAYMENT -THANK YOU -1,1 10.00
FNerchandiss/Retail Aug 20 Aug 0 WAL-MART SC - #1591 HARRISBURG (EPA 1.97
Aug 24 Aug 4 WAL-MART SC - # 1886 MECHANICSBURGPA 66.52
Aug 24 Aug 4 WAL-MART SC - #1886 MECHANICSBURGPA 4.07
Aug 30 Aug 0 BARBARA MOSS 63 ROCHESTER NY g,00
Aug 30 Aug 0 WIRELESS WORLD (7) CAMP HILL PA 31.80
Aug 30 Aug 0 OLD NAVY #5348 CAMP HILL PA 2,qq
Aug 30 Aug 0 OLD NAVY #5348 CAMP HILL PA 1 1.82
Sep 1 Sep STAPLES #1644 CAMP HILL PA 14.83
Sep 2 Sep OLD NAVY #3486 YORK PA 3.97
' Restaurants Aug 23 Aug 3 AANGAN AT HARRISBURG HARRISBURG PA 17.00
Gasolms Aug 10 Aug 13 TURKEY HILL #0125 Q69 HIGHSPIRE PA 49.50
Aug 11 Aug 13 TURKEY HILL #0186 Q69 STEELTON PA 40.01
Aug 12 Aug 13 SUNOCO HARRISBURG PA 50.01
Aug 13 Aug 13 SUNOCO HARRISBURG PA 47.00
Aug 16 Aug 16 GIANT FOOD STORES #263 ENOLA PA 51.00
$73.00 - ___~ Enter Amount Enclosed Below
Payment Due Date $ ~--~
October 11, 2006 please make check pa able to Discover Platinum
Card or pay online ~ Discovercard.com.
V~J`r"•"~' Y ILR ~' L I~ISCr,VER• __~ Account number ending in 4766
Get added security v+
Make your account information
password-protected statements
• Access up to 24 months of
printable statements.
• See your statement as soon
rather than wait for it to arl
• Get helpful payment reminc
or text messages on your m
• Print a paper copy of your
r, no paper trail
•e secure with
only you can access.
nloadable,
it's available
in your mailbox.
through a-mail
le phone.
:ment anytime.
Closing Date: September 12, 2006 page 2 of 3
'C*esoline Aug 17 Au 17 S & S Oll CORPORATION HARRISBURG PA
Aug 18 Au 18 SHELL 23191002850560 ENOLA PA
Aug 19 Au 19 TURKEY Hlll #0266 Q69 HARRISBURG PA
Aug 21 Au 21 UNI-MART #94204 ENOLA PA
Aug 25 Au 25 TURKEY HILL #0266 Q69 HARRISBURG PA
Avg 26 Au 26 AMOCO OIL 06954952 HARRISBURG PA
Aug 26 Av 26 TURKEY HILL #0222 6169 HERSHEY PA
Aug 27 . Au 27 EXXONMOBIL YP53129 MECHANICSBURGPA
180 998 874 2
Aug 27 Au 27 TURKEY HILL #0266 Q69 HARRISBURG PA
Aug 30 Au 30 SUNOCO CAMP HILL PA
Sep 1 Se 1 EXXONMOBIL PN18305 ENOLA PA
' 180 965 553 1
Sep 4 Sep 4 SHEETZ 00003749498 HARRISBURG PA
(Automotive Aug 20 Au 20 SCHULERS ALl PRO ENOLA PA
Aug 29 Au 29 MARCO AUTO PAINTING & HARRISBURG PA
Sep 2 Se 2 SWATARA AUTO SERVICE 7179399344 PA
,'Travel/EntertainmsM Avg 14 Au 14 CAPITAL CITY CAB SERVI STEELTON PA
Aug 16 Au 16 SHOWBOAT F/D ATLANTIC CITYW
'Services Aug 21 Au 21 AAA CENTRAL PENN•R HARRISBURG PA
Aug 24 Au 24 CINGULAR*3466201800140 WICHITA FAL TN
'.Cosh Advances Aug 21 Au 21 PENNA STATE BANK -E PE ENOLA PA
' Aug 21 Au ~ 21 CASH ADVANCE TRANS FEE FINANCE CHARGE
'Supermarkets Aug 10 Au 13 R&S SURPLUS FOODS MARYSVILLE PA
Aug 20 Au 20 GIANT FOOD STORES #263 ENOLA PA
Aug 25 Au 25 GIANT FOOD STORES #304 HARRISBURG PA
Aug 26 Au 26 GIANT FOOD STORES #263 ENOLA PA
Aug 27 Au 27 GIANT FOOD STORES #006 HARRISBURG PA
Aug 28 Au 28 GIANT FOOD STORES #263 ENOLA PA
Aug 29 Au 29 VITAMIN WORLD #2335 CAMP HILL PA
Sep 3 Se 3 GIANT FOOD STORES #263 ENOLA PA
LGovemmsnt Services Avg 23 Au 23 WINE & SPIRITS 2215 HARRISBURG PA
Aug 23 Au 23 WINE 8 SPIRITS 2215 HARRISBURG PA
Aug 26 Av 26 WINE & SPIRITS 2210 HARRISBURG PA
Aug 26 Au 26 WINE & SPIRITS 2210 HARRISBURG PA
Warohouse Clubc Aug 23 Au 23 SAMS CLUB - #8175 HARRISBURG PA
Homs knprovsmsnt Aug 27 Au 27 LOWE'S 522 HARRISBURG PA
Department Sroro Aug 29 Au 29 BOSCOVS DEPARTMENT STORE HARRISBURG PA
Aug 30 Au 30 JCPENNEY STORE 2712 CAMP HILL PA
Sep 1 Se 1 JCPENNEY STORE 2712 CAMP HILL PA
Sep 4 Se 4 KOHLS 0359 HARRISBURG PA
Information For You
49.50
47.00
49.00
42.89
38.40
2.78
41.00
54.00
10.03
59.51
32.00
35.96
5.00
400.00
40.00
250.00
22.00
62.00
200.00
1,500.00
45.00
14.14
5.82
4.17
7.99
8.58
8.70
9.00
22.35
1 1.97
11.97
11.97
11.97
14.88
96.39
7.25
22.79
51.76
10.44
The address provided in your Cardmember ~greement to request a beneficiary designation form For your Scheduled Air
Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza,
Suite 2100, Chicago, Illinois 60606-6613.
!QU@St1onS? Manage your accq~unt at Discover.com or
,.,,n >I.t:nn_ntcrn~n:o li_ann_o,tz ~ca~t
®2009 Diuover Bank, Member FDIC
LJIJ~.`~<~?V CK
Get added security with
Make your account information mop
password-protected statements that
• Access up to 24 months of dow
printable statements.
• See your stotement as soon os i
rather than wait for it to arrive i
• Get helpful payment reminders
or text messages on your mobil
• Print a paper copy of your state
~_;~~~wYER Account number ending in 4766
no paper trail
secure with
my you can access.
loadable,
s available
your mailbox.
trough a-mail
phone.
lent anytime.
Closing Date: September 12, 2006 page 3 of 3
F'
Balance Transfer offer for current billing perio~: Daily Periodic Rate: 0.01890%; corresponding ANNUAL PERCENTAGE
RATE: 6.90%. Rate is subject to the terms of he offer including expiration.
Shop confidently..Your Discover(R~ Card has u covered with Complete fraud Protection for your peace of mind. With our
advanced fraud warnings, we'll call you right away if there's unusual activity on your account. And if someone makes
fraudulent charges with your card, our $0 Fra d liability guarantee means you're not responsible.
Finance Charge Summary
Average
Daily
Balances
current billing period: 31 days
Purchases $0 0.03559% 12.99% F
Cash Advances $1153.22 0.05477% 19.99% F
previous billing period: 31 days
Sign up today at
~ ; Discovercom/pajperless
~!
12.99% $0 $0
51.66% $19.58 $45,00
Purchases $0 0.03559% 12.999e F 12.99%
The rates that apply to your Account are eifhe fixed (F) or they may vary (V) as noted above.
QUeStlonS? Manage your account at Discover.com or
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES C RGES
$0 none
m200V Dixover Bank, Ahembar FDIC
IJIJt.``<v; Y L1~ 5229.64
12 SDSN6A01 0012975
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Go paperless and make your account
information more secure with password-
PProtected statements only you can access.
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PO BOX 71084 ~~~rn~~nun~~u~r~~nr~~
Address, e-mail or telephone change$ Print~hange in space I~~Ii~I~rI~~II~II~~~Ir~~~I~~~ll~'~~~I~~I~IIrrII~~I~~I~rl~lr'I'
above, or o to Discover.com. Print our e• CHARLOTTE NC 28272-1084
9 y ail address to
receive important Account information and pecial offers.
0000019866180924381~13002296403660000001500
'Discover Platinum Card ~#-ccount Summary
April: $202.1 1
Closing Date: October 12, 2006 page 1 of 2
',Account number ending in 4766 I Previous Balance $3
652.06
LPayment Due Date November 1 1, _' 2006 Payments And Credits ,
3,720.00
Minimum Payment Due $15.00 Purchases + 277.08
.:Credit Limit $7,250.00 Cash Advances + 0.00
;Credit Available $7,020.00 Balance Transfers + 0.00
'Cash Credit Limit $3,600.00 Ffnancs Charges + 20.50
Cash Credit Available $3,600.00 ' New Balance $229.64
You may be able to avoid Periodic Finance Charges, see the
i reverse side for details.
Cashback Bonus® ', Opening Cashback Bonus Balance $ 67.65
New Cashback Bonus This Period + 1.33
Redeemed This Period - 60.00
Cashback Bonus® Since Anniversary Month', Cashback-Bonus Balance $ 8.48
Keep using your Discover(R) Card and watclh
your Cashback Bonus(R) growl
!How Can We Hel YOU? II
P
It's your choice - 3 ways to h~
',Please have your Discover Card available. ',
For TDD assistance for hearin
( g impaired) se 1 • VisiT Discover.com to pay your bdl for no cost, view our
latest Account information, earn and redeem rewards and more
lp 2. Coll 1.800-DISCOVER (347-2683) for fast, easyself-service
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card PO Box 30943,
~ reverse side Sak lake City, UT 84130
Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence.
Trans. Pos
Date Da
Payments and Crodits Oct 7 Och 7 PAYMENT -THANK YOU $ -3,660.00
Award and Rebate Crodits Sep 18 Sep 18 REWARD REDEMPTION CREDIT ~p.00
Msrchandias/Retail Oct 3 Oc~ 3 GABRIEL EROS- HARRISBURG HARRISBURG PA 57.96
Gasoline Sep 18 Se~
--.--
- 18 SHEETZ 00003749498 HARRISBURG PA 42,00
Oct T - Oi: f ~ - EXXONN(OBIC 1v1QK5265"HARRISBURG PA - q,-06
O
b O 750 420 048 1
ct
ct b GETTY 73559004 RCKKVILLE MD 34.00
Automotive Sep 19 Se ' 19 ADVANCE AUTO PARTS #12 STEELTON PA 18,12
Horns Improvement Sep 18 Se~ 18 LOWE'S 522 HARRISBURG PA 1 15.94
Information For You
The address provided in your Cardmember reement to request a beneficiary designation form for your Scheduled Air
.Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza,
!Suite 2100, Chicago, Illinois 60606-6613.
Balance Transfer offer for current billing peri d: Daily Periodic Rate: 0.0189090; corresponding ANNUAL PERCENTAGE
RATE: 6.909'0. Rate is subject to the terms of the offer including expiration.
Manage your account your way -whether
r,..a h..• d,e .L.h~ ,......,.,..~ ...........e...-..~ ....
$15.00 _I Enter Amount Enclosed Below
Payment Due Date $
November 11, 2006 please make check payable to Discover Platinum
Card or pay online ~ Discovercard.com.
prefer to speak with a live person or manage things on your own, Discover(R)
• G.. ....., r"..II 7 Dr1f\ r11 Cf^/'1\/CD I1 DAr1 9A7'f.GDO1 ... ..:.;a r1:....,.,..,.,,.,) ..,,.
~~,~'~`~'~VtK I ~__D1S1[Et~__i Accounfnumberendingin4766
• Access up to 24 months of downloadoble,
printable statements.
• See your statement as soon as i't's available
rather thon wait for it to arrive in your mailbox.
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I'.
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Discavercom/paperless
i
~ ,` ~ ~i' I
Closing Date: October 12, 2006 page 2 of 2
Discovercard.com provides you with the easil~st online self-service options that put you in control of your account. Make a
payment today or schedule one in advance. $ign up For timely e-mail reminders to help you avoid fees. Easy account
management is just a click away) Register oN log in to Discovercard.com/registermyaccount
Hey, Juniors) We are searching for outstanding high school juniors to apply for the Discover(R) Card Tribute Award(R)
Scholarship Program. Scholarships will be warded to high school juniors who have excelled beyond academics. To find
out more, visit our website at www.Discoverc~rd.com/tribute
Finance Charge Summary
Average
Daily
as s
' current billing period: 30 days.
Purchases $0 0.03559% 12.99% F
Cash Advances $1247.91 0.054773'0 19.99% F
previous billing period: 31 days
12.99%
19.999'0
Purchases $0 ~ 0.03559% 12.99% F . 12.999'•
The rates that apply to your Account are either Rxed (F) or they may vary (V) as noted above.
QueStlOnS? Manage your account at Discover.com or
II • www w~wnw••ww I~ nnn n ~-r nli nnl
Nominal Transaction
Daily ANNUAL ANNUAL periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
$0 $0
$20.50 $0
$0 none
t~2009 Discover Bank, Member FDIC
VoJt.`~~`'V CR
$4,393.G' 1
$88.00 I Enter Amount Enclosed Below
Payment Due Date
December 11, 2006 please make check paYable to Discover Platinum
Card or pay online ~ Discovercard.com.
12 SDSN6A010012976
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Go paperless and make your account
information more secure wdh password-
protected statements only you can access.
Leam more at discover.com/paperless.
PO BOX 71084 ~~~ru~~nnu~~u~~~~n~~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changei! Print hangs in space I~~I~II~~I~~~)~)'~i~I~~l1li~~))II~~~)~~I~~I~~I)„I'~)„I~I'~))
above, or go to Discover.com. Print your e-r~iail address to
receive important Account information and #pecial oFFers.
00000198661809243811~L3043936100230000008800
Account number ending in 4766 Previous Balance $229.64
Payment Due Date December 1 1, ',2006 Payments And Credits - 239.72
Minimum Payment Due $88.00 Purchases + 1,702.13
Credit Limit . $7,250.00 ', Cash Advances + 2,600.00
Credit Available $2,856.00 Balance Transfers + 0.00
Cash Credit Limit $3,600.00 Finance Charges + 101.56
Cash Credit Available $1,000.00 New Balance $4,393.61
You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
-_
CpShbCCk Bcnus® ', Opening Cashback Bonus Balance $ 8.98
' New Cashback Bonus This Period + 12.33
Closing Dab: November 12, 2006 page 1 of 2
'Discover Open Rood Card Account Summary
'Cashback Bonuses Since Anniversary Monthj
.April: $12.33',
CONGRATULATIONSI Your Cashback
IBonus(R) is waiting For you. Visit
', Discovercard.com or call 1.800.DISCOVER ',
~,(1-800-347-2683) to get your share of
!America's #1 Cash Rewards Program.
Cashback Bonus Balance $ 2 ~ ,31
Transactions
'How Can We Help You? !,
'It's your choice - 3 ways to help
'Please have your Discover Card available. 'I
For TDD (assistance for hearing impaired) seb reverse side
Payments and Crodits
Merchandise/Retail
Rssfauronta
Gaaolins
1. Visit Discovsr.eom to pay your brl for no cost, view our
latest Account information, earn and redeem rewards and more
2. Call 1.800.DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
$0 Fraud lic ~biliy Guarantee Use your Discover Card with confidence.
Trans. Po
Dab Da
Oct 17 Oc 19 U-HAUL/DERRY FOOD MART HARRISBURG PA
Nov 4 No 4 PAYMENT -THANK YOU
Oct 23 Oc 23 TJMAXX #0720 MECHANICSBURGPA
Nov 3 No 3 OFFICEMAX 322 HARRISBURG PA
Nov 5 No 5 KMART ENOLA PA
Oct 23 Oe 23 HOSS'S STEAK & SEA #49 7177325444 PA
Oet 13 Oct 13 EXXONMOBIL OKX9152 EASTON PA
750 477 264 6
Oct 14 Oct 14 TURKEY HILL #0266 Q69 HARRISBURG PA
Oct 24 Oct 24 EXXONMOBIL SL43022 MANHEIM PA
180 998 848 6
Oct 25 Oct 25 SUNOCO ENOLA PA
Oct 27 Oct 27 TURKEY HILL #0268 G!69 MECHANICSBURGPA
Oct 29 Oct 29 SHEETZ 00002196498 HARRISBURG PA
Nov 1 No 1 GIANT FOOD STORES #263 ENOLA PA
Nov 2 No 2 EXXONMOBIL YB63136 STATEN ISLANDNY
340 100 005 8
-9.72
-230.00
21.02
4.82
7.93
18.87
31.02
35.03
15.00
10.03
33.57
10.01
32.00
20.01
VIJC.~`~nV tK
Get added security witl
Make your account information mo
password-protected statements that
r-~- ~ Account number ending in 4766
~~1~C[ElZ_l
no paper trail
secure with
,ly you can access.
• Access up to 24 months of dowrloadable,
printable statements. ~,
• See your statement as soon as i1's available
rather than wait for it to arrive in your mailbox.
• Get helpful payment. reminders hrough a-mail
or text messages on your mobil phone.
• Print a paper copy of your sfate~nent anytime
Gasolirro Nov 3 Nov~'i 3 EXXONMOBIL YP51386 MECHANICSBURGPA 2,5q
180 99B 874 2
Nov 3 Nov ~ 3 EXXONMOBIL YP55282 MECHANICSBURGPA 13.00
I 180 998 874 2
Nov 5 Nov 5 SUNOCO ENOLA PA 21,1 1
Nov 6 Nov I 6 EXXONMOBII RK84484 NEW CUMBERLANPA 6.1 1
180 967 136 3
Nov 6 Nov'~ 6 SUNOCO HERSHEY PA 12.00
Automotive Oct 17 Oct f 7 U-HAUL/DERRY FOOD MART HARRISBURG PA 20.47
Nov 1 Nov! 1 SCHULERS ALL PRO ENOIA PA 7
00
Nov 3 Nov 3 BOBBY RAHAL HONDA 7177664300 PA .
42.35
Nov 6 Nov ~ ADVANCE AUTO PARTS #12 STEEITON PA 59.88
Services Nov 6 Nov ~ MYSTERY SHOP LINK LLC PORTLAND ME • gq,g5
Nov 8 Nov 1 8 SPRINT PCS-946SP IVR OVERLAND PARKKS 170.00
Cash Advances Oct 28 Oct 8 COMMERCE BANK CAMP HILL PA 2,600.00
Oct 28 ~
Oct 8 CASH ADVANCE TRANS FEE FINANCE CHARGE 78,00
Supermarkets Oct 13 Oct 3 INTERSTATE MARKET EASTON PA 7,77
Oct 24 Oct 4 ENOLA SHURFINE ENOIA PA 4,00
Oct 27 Oct 7 GIANT FOOD STORES #263 ENOLA PA 1 1.82
Nov 4 Nov GIANT FOOD STORES #263 ENOLA PA 18.65
Nov 4 Nov ~ 4 GIANT fOOD STORES #263 ENOLA PA 50.00
Nov b Nov'~ 6 GIANT FOOD STORES #263 ENOLA PA 74,15
Nov 9 Nov R&S SURPLUS FOODS MARYSVILLE PA 14.36
Gowmment Services Od 24 Oct ~4 WINE & SPIRITS 221 1 HUMMEISTOWN PA 1 1.97
Nov 9 Nov PHONECHARGE FEE 203-732-7639 CT 3.50
Nov 9 Nov VERIZON PAY BY PHONE 800-483-3000 TX 200.00
Warohouse Clubs Nov 5 Nov SAMS CLUB - #8175 HARRISBURG PA 599.50
Nov 9 Nov
I SAMS CLUB - #8175 HARRISBURG PA 12,64
'Information For You
Balance Transfer offer For current billing patio :Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE
RATE: 4.909'0. Rate is subject to the terms of t
J e offer including expiration.
_ -
Closing Date: November 12, 2006 page 2 of 2
Finance Charge Summary
Average
Daily
Balances
current billing period: 31 days
Purchases $0 0.035599'e 12.999e F
Cash Advances $1387.89 0.05477% 19.999'• F
previous billing period: 30 days
~~
;,
Sign up today at
Discovercom/paperless
12.99% $0 $0
46.879'• $23.56 $78.00
Purchases $0 0.03559% 12.99% F 12.999'0
The rates that apply to your Account are either fixed {F) or they may vary (V) as noted above.
QU@St1onS? Manage your accou tat Discover.com or
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
$0 none
®2009 Dlacover Bank, Member FDIC
LJIJ~. ~'~-~ i/ CIC
$814.831 525.00
Payment Due Date
January 11, 2007
12 SDSN6A010012977
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Enter Amount Enclosed Below
$ _-~
Please make check payable to Discover Platinum
Card or pay online ~ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.comlpaperless.
~', PO BOX 71084 ~~~rn~~nnu~~n~i~~nr~~
CHARLOTTE NC 28272-1084
Address, email or telephone change2 Print hangs in space I~~'~II~~I~~i~~ll~~rl~~Irl~~~lll~~~~'~~I~~~~~II~~I~~I~~I'I~~II
above, or go to Discover.com. Print your a ail address to
receive important Account information and pecial offers.
0000019866180924381~3008148300000000002500
'Discover Open Road Card Account Summary
Closing Date: December 12, 2006 page 1 of 2
,Account number ending in
' 4766 Previous Balance $4
393.61
,Payment Due Date January 11, 2007 Payments And Credits ,
- 4
400.00
'Minimum Payment Due $25.00 Purchases ,
+ 791
57
Credit Limit $7,250.00 ' Cash Advances .
+ 0.00
Credit Available $6,435.00 Balance Transfers + 0.00
Cash Credit Limit $3,600.00 Finance t:hargss + 29.65
Cash Credit Available $3,600.00 ~ New Balance = $814.83
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus®
'Cashback Bonvs® Since Anniversary Month~i
April: $19.45 it
.Keep using your Discover(R) Card and watch
your Cashback Bonus(R) growl 1
Opening Cashback Bonus Balance
New Cashback Bonus This Period
Redeemed This Period
Cashback Bonus Balance
$ 21.31
+ 7.12
- 20.00
$ 8.43
How Can We Help You?
'It's your choice • 3 ways to he
.Please have your Discover Card available.
For TDD (assistance for hearing impaired) se.
'Transactions $0 Fraud Lie
Trans. Posl
Date Daa
(Payments and Crodits Nov 21 Noy
Dec 3 Dec
1. Visit Discover.com to pay your bil for no cost, view ur
latest Account information, earn and redeem rewardsoand more
p 2. Call 1-800-DISCOVER (347-2683) for fast, easy selFservice
options or to speak with a Customer Service Account Manager
reverse side 3' Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Guarantee Use your Discover Card with confidence.
21 PHONE PAYMENT -THANK YOU
3 PHONE PAYMENT -THANK YOU
Award and Rebate Credits Nov 21 No~ 21 REWARD REDEMPTION CREDIT
',Merchandise/Retail Nov 21 No 21 DISCOUNT VACUUM & SEW( HARRISBURG PA
-- - - Now 24-- INo 24 -BLOCKBUSTER VIDEO #90765 ENOL,4P-A
Nov 24 No 24 TOYS R US 8318 HARRISBURG PA
Nov 24 No 24 WAL-MART SC - #1591 HARRISBURG (EPA
Dec 2 Dec 2 KMART ENOLA PA
Restaurants Nov 20 No 20 HOSS'S STEAK & SEA #49 7177325444 PA
Nov 24 No 24 JUMBO BUFFET AND GRILL HARRISBURG PA
'.Gasoline Nov 1 1 No 13 SHEETZ 00003749498 HARRISBURG PA
Nov 12 No 13 EXXONMOBIL PN18291 ENOLA PA
180 965 553 1
Nov 22 No 22 HESS 38419 LEMOYNE PA
Nov 22 No 22 EXXONMOBIL PN 16795 ENOLA PA
180 965 553 1
Nov 23 No 23 TURKEY HILL #0186 Q69 STEELTON PA
Nov 26 No 26 EXXONMOBIL PG17525 GRANTVILLE PA
1 80 999 802 2
$ -500.00
-3,880.00
-20.00
15.85
} 5:89.:- _ _. .
10.49
12.74
32.86
40.00
36.08
34.00
27.50
31.01
22.52
7.40
11.40
Get added security witl
Make your account information mo
password-protected statements that
• Access up to 24 months of dog
printable statements.
• See your statement os soon as
rather than wait for it to arrive
• Get helpful payment reminders
or text messages on your mobi
• Print a paper copy of your stet
~-D15C. Account number ending in 4766
no paper trail
secure with
my you can access.
loadable,
s available
your mailbox.
rough a-mail
phone.
lent anytime.
!~
Sign up today of
Discovercom/paperless
...
Closing Date: December 12, 2006 page 2 of 2
Gasoline Nov 27 Nov'~, 27 HESS 38255 HARRISBURG PA 14
62
Nov 28 Nov 28 HESS 38424 HARRISBURG PA .
1.05
Nov 28 Nov 28 HESS 38424 HARRISBURG PA 40.00
Nov 28 Nov 28 HESS 38424 HARRISBURG PA 13.82
Dec 3 Dec b SUNOCO ENOLA PA 38.21
Supermarkets Nov 12 Nov'i, 13 GIANT FOOD STORES #100 NEWPORT PA y2
61
Nov 12 Novi 13 GIANT FOOD STORES #100 NEWPORT PA .
50
00
Nov 15 Novi 15 GIANT FOOD STORES #263 ENOLA PA .
24.73
Nov 15 Nov 15 GIANT FOOD STORES #263 ENOLA PA 60.00
Nov 22 Nov 22 GIANT FOOD STORES #006 HARRISBURG PA 6.29
Nov 24 Nov 24 R&5 SURPLUS FOODS MARYSVILLE PA 17
47
Nov 24 Nov 24 GIANT FOOD #279 HUMMELSTOWN PA ,
Dec 4
Dec {
4 GIANT FOOD STORES #100 NEWPORT PA 0.99
17.37
Worohouss Clubs Nov 28 Nov 28 SAMS CLUB - #8175 HARRISBURG PA 92,57
Home Improvement Nov 18 Nov 18 THE NOME DEPOT 4113 HARRISBURG PA 6,27
Nov 1 B Nov 18 THE HOME DEPOT 4113 HARRISBURG PA 27
25
Nov 22 Nov 1 22 THE HOME DEPOT 41 13 HARRISBURG PA ,
60.58
~: Information For You
Balance Transfer offer for current billing perio d: Daily Periodic Rate: 0.013429e; corresponding ANNUAL PERCENTAGE
RATE: 4.90%. Rate is subject to the terms of a offer including expiration.
Cut back on mailbox cluBerl Sign up for Pa
' rless Statements and simplify the way you manage your account . We'll send
, you an e-mail as soon as your statement is av ilable online. And, while you're at Discovercard.com, you can pay your bill
quickly and easily. Sign up at Discovercard.c m/ps
Through the generosity of our Cardmembers, iscover(R) Card has donated more than $15 million to the Make-A-Wish
Foundation(R). You can make a child's dreg come true by electing to donate your Cashback Bonus(R) to the
Make•A-Wish Foundation. To learn how, ple se visit Discovercard.com or visit Wish.org
Visit ShopDiscover at Discovercard.com/shop to earn additional Cashback Bonus(R) when you shop online. You will find
great offers from retailers like Barnes and Noble, FTD, Magazines.com and morel
Daily Nominal
ANNUAL ANNUAL Tranxaction
Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rotes RATES RATES CHARGES C GES
0.035599'e 12.999e F 12.999e
0.054779'0 19.99% F 19.99%
Purchases $0 10.03559% 12.999a F 12.99%
The rates that apply to your Account are eitherfixed (F) or they may vary (V) as noted above.
Finance Charge Summary
Average
Daily
Balances
current billing period: 30 days
Purchases $0
Cash Advances $1804.52
previous billing period: 31 days
QU@StiOnS? Manage your accouht at Discover.com or
__ I
$0 $0
$29.65 $0
$0 none
02009 Discover Bank, Member FDIC
VIJ~.`~~'V CK
$585.19
$15.00_ J Enter Amount Enclosed Below
Payment Due Date
February 11, 2007 please make check pa ble to Discover Platinum
Card or pay online @ Discovercard.com.
12 SDSNeA01 0012978
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discoveccom/paperless.
PO BOX 71084 ~~~~n~~unn~~n~i~~m~~
Address, e-mail or telephone change$ Print~hange in space I~~I~I'~~~~~~I~IIi~~I~~I~I~~~IIII~~~I~~l'~I~~II'~I~~I11I'I~~11
above, or otoDiscover.com.Print our e- CHARLOTTE NC 28272-1084
9 y ail address to
receive important Account information and pecial ofFers.
00000198661809243811,3005851900000000001500
'.Discover Open Road Card Account Summary
Closing Date: January 12, 2007 page 1 of 2
Account number ending in 4766 ' Previous Balance $814.83
Payment Due Date February 1 1, X007 Payments And Credits - 820.00
Minimum Payment Due $15.00 ' Purchases + 590.36
Credit Limit $7,250.00 ' Cash Advances + 0.00
Credit Available $6,664.00 ' Balance Transfers + 0.00
:'Cash Credit Limit $3,600.00 ~ Finance Charges + 000
Kash Credit Available $3,600.00 ' New Balance ~ $585.19
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback DCtll/$® Opening Cashback Bonus Balance $ 8.43
New Cashback Bonus This Period + 5.40
~' Cashback Bonus Balance $ 13,83
Cashback Bonua~ Since Anniversary Month'
April: $24.85
Keep using your Discover(R) Card and watclh
;your Cashback Bonus(R) growl
~~ How Can We Hel YOU? '
p
~t'S your choice - 3 ways to h~
Please have your Discover Card available. i
For TDD assistance For hearin
( g impaired) s 1 • Visit Discoveacom to pay your bill for no cost, view our
latest Account information, earn and redeem rewards and more
lp 2. Call 1.800-DISCOVER (347-2683) For fast, easy selFservice
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
reverse side Salt Lake City, UT 84130
'Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence.
Trans. Pos
Date Da
Payments-and Credits Dec 30 De~ 30 PHONE PAYMENT -THANK YOU $ -820.00
;Merchandise/Retail Dec 22 Dec{ 22 KMART ENOLA PA 7.16
Dec 22 D 22 A.C. MOORE ARTS&CRAFT HARRISBURG PA g,90
Dec 23 Deb 23 KMART ENOLA PA 6 71
Dec 24 . De~ 24 . BLOCKBUSTER VIDEO #90765_ENOLA.PA _ _ L5.B9 _..
Gasoline Dec 21 De~ 21 EXXONMOBIL PN 1 1 170 ENOLA PA 3.12
180 965 553 1
Dec 23 Ded 23 SHEETZ 00003749498 HARRISBURG PA 36.55
Dec 24 De 24 HESS 30294 DEPTFORD TWP NJ 38.00
Dec 24 De 24 EXXONMOBIL PN19174 ENOLA PA 16.92
180 965 553 1
Dec 24 De 24 TURKEY HILL #0268 Q69 MECHANICSBURGPA 24.56
Services Dec 26 De 26 CAESARS ATLANTIC CITY ATLANTIC CITYNJ 11.00
Dec 28 Dec 28 SPRINT PCS-996-SP IVR OVERLAND PARKKS 250.56
Supermarkets Dec 23 Dec 23 RS~S SURPLUS FOODS MARYSVILLE PA 19.35
Dec 24 Dec 24 GIANT FOOD STORES #263 ENOLA PA 48,41
Warohouse Clubs Dec 22 Dec 22 SAMS CLUB - #8175 HARRISBURG PA 57
28
Dec 22 Dec 22 SAMS CLUB - #8175 HARRISBURG PA .
q,ql
Deparhnent Storo Dec 23 Dec 23 BOSCOVS DEPARTMENT STORE HARRISBURG PA 35.04
L~O,d''```": V CK I ~pjS~R__~~ Account number ending in 4766
Get added security wi no paper trail
Make your account information mo a secure with
password-protected statements that only you can access.
• Access up to 24 months of do nloadable,
printable statements.
• See your statement as soon as Ys available
rather than wait for it to arrive 1n your mailbox.
• Get helpful payment reminders (through e-mail
or text messages on your mobil phone.
• Print a paper copy of your statement anytime.
Closing Date: January 12, 2007 page 2 of 2
'Jnformation For You
Cut back on mailbox cluRer! Sign vp For Pap rless Statements and simplify the way you manage your account. We'll send
you an e-mail as soon as your statement is av ilable online. And, while you're at Discovercard.com, you can pay your bill
quickly and easily. Sign up at Discovercard. om/ps
Through the generosity of our Cardmembers, biscover(R) Card has donated more than $15 million to the Mako-A•Wish
Foundation(R). You can make a child's drew come true by electing to donate your Cashback Bonus(R) to the
Mako-A-Wish Foundation. To learn how, ple se visit Discovercard.com or visit Wish.org
Visit ShopDixover at Discovercard.com/sho~to earn additional Cashback Bonus(R) when yov shop online. You will Find
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Finance Charge Summary
current billing period: 31 days
Average
Daily
a es
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES C G s
Purchases $0 0.035593'° 12.99% f
Cash Advances $0 0.05477% 19.9990 F
previous billing period: 30 days
Sign up today at
Discovercom/paperless
12.999'° $0 $0
19.99% $0 $0
Purchases $0 0.03559% 12.999'• F 12.999'•
Ths rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above.
QuestlOnS? Manage your accou tat Discover.com or
~~ , AAA A~Pi.AI/r•\ ~, nnn n I-s n nn1
$0 none
®2009 Dixover Bank, Member FDIC
IVOJ~r~°?°~~r ~~ $3,781.3,5 ~ $76.00 _~ Enter Amount Enclosed Below
', Payment Due Date $
' March 11, 2007 please make check payyable to Discover Platinum
Card or pay online ~ Discovercard.com.
12 SDSN6A01 0012979
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.corrVpaperless.
PO BOX 71084 ~~)nr~~runr~)u~r~~ur~~
CHARLOTTE NC 28272-1084
Address, a-mail or telephone change4 Print ~hange in space )~r)rl)rr)rrrli))~~r)~~)~)~r~()))rrrl~~)~r)rrl)rr)rrlrr)r)rrfl
above, or go to Discoveccom. Print your e-r}~ail address to
receive important Account information and pecial offers.
0000019866180924381~r3037813500000000007600
!Discover Open Road Carjd Account Summary
Closing Date: February 12, 2007 page 1 of 3
,Account number ending in 4766 Previous Balance $585.19
Payment Due Date March 1 1, 20Q7 Payments And Credits g3q,g1
'.Minimum Payment Due $76.00 Purchases + 4,035.97
Credit Limit $7,250.00 Cash Advances + 0.00
Credit Available $3,468.00 Balance Transfers + 0.00
'Cash Credit Limit $3,600.00 Finance Charges + 0.00
Cash Credit Available $3,468.00 New Balance = $3,781.35
You may be able to avoid Periodic Finance Charges, sea the
reverse side for details.
Cashback Bcnus® Opening Cashback Bonus Balance $ 13.83
New Cashback Bonus This Period + 36.96
Cashback Bonus Balance $ 50.79
Cashback Bonus Since Anniversary Monthl -
!April: $61.81 '
CONGRATULATIONSI Your Cashback
'Bonus(R) is waiting for you. Visit
'Discovercard.com or call 1.800-DISCOVER '',
(1-800-347-2683) to get your share of '~
'America's #1 Cash Rewards Program. 'I
'How Can We Hel Ycu?
p 1 • Visit Discovsr.com to pay your bill for no coat, view ur
latest Aecount information
earn and redeem reward and
;It's your choice - 3 ways to h~
lp ,
2. Call 1-BOaDISCOVER (347-2683) for fast, more
easy selFservice
Please have your Discover Cord available. ', options or to speak with a Customer Service Account Manager
For TDD (assistance For hearing impaired] sal e reverse side 3' Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
:Transactions $0 Fraud liq' ibility Guarantee Use your Discover Card with confidence.
Trans. Pos
Date Dat ~i
'Payments and Credits tan 18 Jan 21 SAMS CLUB - #8175 HARRISBURG PA $ -3.60
Jan 20 Jan 20 PHONE PAYMENT -THANK YOU -695.00
_ . .... _ _ Jan 29 - Jarr $1
_.._ ..
fiORNUNG TRUE VALUE HA{dRhSBURCr PA - -:123x57
Feb 8 Fe 1 1 LOWE'S 522 HARRISBURG PA -17.64
Merchandi:s/Retail Jan 18 Jan 18 TJMAXX #0720 MECHANICSBURGPA 53.42
Jan 21 Jan
21
FINISH LINE-#0804 ATLANTIC CITYW .
69.97
Jan 31 Jan 31 GABRIEL BROS- HARRISBURG HARRISBURG PA 96.86
Jan 31 Jon 31 KMART ENOLA PA 20.12
Feb 2 Feb 2 GABRIEL BROS- YORK YORK PA 39.00
Feb 2 Feb 2 PETSMART 00005827 E HARRISBURG PA 13.62
Feb 3 Feb 3 WAL-MART SC - #1591 HARRISBURG (EPA 2,88
Feb 3 Feb 3 WAL-MART SC - #1591 HARRISBURG (EPA 21.63
Feb 6 Feb 6 KMART ENOLA PA 18.41
Feb 8 Feb 8 GABRIEL EROS- HARRISBURG HARRISBURG PA 45.77
Feb 9 Feb 9 RITE AID HARRISBURG PA 101.97
Feb 1 1 Feb 1 1 BLGCKBUSTER VIDEO #90765 ENOLA PA 7,41
Restaurants Jan 23 Jan 3 HMSHOST-PA-TURNPK #Q63 ELVERSON PA 2.43
VIJ~.~.w~VtK
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r ~-•-
~.D1S~VER' I Account number ending in 4766
no paper trail
secure with j r
my you can access.
loadable, Sign up today at
;i Discovercom/paperless
s available
your mailbox.
~:
.rough a-mail ~..
phone. _ .
......._ . _~._. ~.A. Tw
lent anytime.
®2009 Dixwx Bank, Member FDIC
Closing Date: February 12, 2007 page 2 of 3
Rsstauranta
Gasoline
Jan 20
Jan 23
Jan 23
Jan 26
Jan 26
Jan 26
Jan 27
Jan 28
Jan 28
Jan 30
Jan 30
Automotive
Travel/EnterMarment
Services
Supermarkets
Feb 1 Feb 1
Feb 6 Feb
Jan 16 Jan ~ 6
Jan 16 Jan t b
tan 18 Jan 18
Jan 19 Jan ~ 9
Jan 19 Jan 9
Jan 20 Jan 0
Jan 31
tan 31
Feb 1
Feb 4
Feb b
Feb 8
Feb 9
Feb 10
Jan 30
Feb 1
Feb 7
tan 22
Jan 22
Jan 22
Jan 23
Jan 23
Jan 23
Jan 23
Jan 24
Feb 7
Jan 24
tan 26
Jan 28
Jan 30
Feb 3
Feb 5
Feb 8
Jan
Jan
Jan
Jan
Jan
Jan
Jan
tan
Jan
Jan
Jan
Jan ~ 1
Jan 1
Feb
Feb
Feb
Feb
Feb
Feb 0
Jan 0
Feb
Feb
Jan 2
Jan 2
Jan 2
Jan 3
Jan 3
Jan 23
Jan 23
Jan 2
Feb
Jan 2
Jan 2
tan 2
Jan 3
Feb
Feb
Feb f
JOJO'S PIZZERIA HARRISBURG PA
JUMBO BUFFET AND GRILL HARRISBURG PA
GIANT FOOD STORES #263 ENOLA PA
RUTTER'S FARM # 8 YORK PA
EXXONMOBIL LDM3652 CARLISLE PA
180 965 558 0
HESS 38419 LEMOYNE PA
HESS 38419 LEMOYNE PA
EXXONMOBIL PN 1 1502 ENOLA PA
180 965 553 1
SUNOCO ENOLA PA
CUMBERLAND FARMS 2958 ATLANTIC CIT W
CUMBERLAND FARMS 2958 ATIANTIC CIT NJ
SAMS CLUB - #8175 HARRISBURG PA
TURKEY HILL #0266 Q69 HARRISBURG PA
TURKEY HILL #0266 Q69 HARRISBURG PA
GIANT FOOD STORE #100 NEWPORT PA
TOM'S #20 ENOLA PA
TOM'S #20 ENOLA PA
GIANT FOOD STORES #263 ENOLA PA
EXXONMOBIL OKX7500 EASTON PA
750 477 264 6
GETTY 69495001 HARRISBURG PA
GETTY 69495001 HARRISBURG PA
GETTY 69495001 HARRISBURG PA
TOM'S #20 ENOLA PA
SHEETZ 00003749498 HARRISBURG PA
TOM'S #20 ENOLA PA
TOM'S #20 ENOLA PA
SUNOCO HARRISBURG PA
SCHULERS All PRO ENOLA PA
BATTERY WAREHOUSE HARRISBURG PA
FIRESTONE 00237289512 HARRISBURG PA
HARRAH'S RESTAURANTS/BAR ATLANTIC CITYNI
HARRAH'S RESTAURANTS/BAR ATLANTIC CITYNJ
HARRAH'S RESTAURANTS/BAR ATLANTIC CITYW
SHOWBOAT F/D ATLANTIC CITYNJ
SHOWBOAT F/D ATLANTIC CITYW
CAESARS A.C. LAPIAZZA RS ATLANTIC CITYW
SPRINT PCS•996-SP IVR OVERLAND PARKKS
CAESARS ATLANTIC CITY ATIANTIC CITYNJ
TWX*AOL SERVICE 0207 800-827-6364 NY
M260132767429610
GIANT FOOD STORES #263 ENOLA PA
GIANT FOOD STORES #263 ENOIA PA
WEGMANS #086 SE1 AMHERST NY
INTERSTATE MARKET EASTON PA
GIANT FOOD STORES #263 ENOLA PA
GIANT FOOD STORES #304 HARRISBURG PA
GIANT FOOD STORES #263 ENOLA PA
12.25
32.90
75.00
32.53
43.75
5.83
36.00
36.86
38.90
2.99
21.56
30.10-
23.50
1.15
44.00
1.98
24.00
21.60
14.00
33.50
20.00
6.28
40.02
23.53
50.00
39.28
32.82
7.00
57.23
457.67
18.50
26.50
28.25
12.00
72.27
47.06
200.00
27.04
25.90
39.25
9.63
13.92
19.57
23.88
14.09
29.69
QU@StlonS? Manage your accou tat Discover.com or
VIJ~.""-'V CK
I_DISC ER Account number ending in 4766
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Make your account information m re secure with
password-protected statements th t only you can access.
• Access up to 24 months of do nloadable, Sign up today at
printable statements. DISCOV@f:COnl~pCp@r~@SS
• See your statement as soon as it's available
rather than wait for it to arrive in your mailbox.
i :
• Get helpful payment reminder -
through a-mail `~ •.
or text messages on your mob le phone.
~
• Print a paper copy of your sta ement anytime.
'
X2009 Dixover Bank, Member FDIC
Closing Date: February 12, 2007 page 3 of 3
Wnrehouse dubs Jan 1.8 Ja 18 SAMS CLUB - #8175 HARRISBURG PA 239,73
,Home Improvement tan 17 Ja 17 LOWE'S 522 HARRISBURG PA 3.65
Jan 29 Jo 29 HORNUNG TRUE VALUE HARRISBURG PA Y10,00
Feb 6 Fe 6 LOWE'S 522 HARRISBURG PA 415.01
Feb 7 fe 7 - LOWE'S 522 HARRISBURG PA 31.47
Feb 7 Fe 7 LOWE'S 522 HARRISBURG PA 28.53
Feb 8 Fe 8 LOWE'S 522 HARRISBURG PA 400.96
Feb 8 Fe 8 LOWE'S 522 HARRISBURG PA 16.69
Feb 8 Fe 8 LOWE'S 522 HARRISBURG PA 105.99
Feb 9 Fe 9 LOWE'S 522 HARRISBURG PA 2,89
Deparhnent Storo Jan 19 tan 19 BOSCOVS DEPARTMENT STORE CAMP HILL PA 29.99
Jan 28 Jan~ 28 KOHLS 0963 AMHERST NY 83.80
Feb 8 Fe 8 SEARS ROEBUCK 1224 HARRISBURG PA 99.99
Information For You '~
Balance Transfer offer for current billing peri~d: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE
.RATE: 4.909'0. Rate is subject to the terms o the offer including expiration.
Use your DiscoverlR) Card to make a $100 onation to The Sfatve of liberty-Ellis Island Foundation, Inc. and you can have
the name of someone you care about engra ed on Tha American Immigrant Wall of Honor(R), built to celebrate Freedom
and commemorate American Dreams. For ore information log on to Discovercard.com
Pvt your home's equity to good use ...with smart home equity financing from Discover Home Loans. We offer a Full range
of home equity credit line options at low rat s -apply online nt Discoverhomeloans.com and get a response in just 30
seconds! Please reference invitation numbs DCS207207N when you apply.
Finance Charge Sum
Average
Daily
ala ces
,current billing period: 31 days
Purchases $p
.Cash Advances $0
:previous billing period: 31 days
'Purchases $0
.The rates that apply to your Account are
~QUeStlOnS? Manage your acc unt at Discover.com or
....II 7 _nAA_r\IC!"A~/CD I1 0r1f1 7 A7 f.071
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.035599'• 12.99% F 12.99% $0 $0
0.062999e 22.99% F 22.99% $0 $0
0.035599e 12.99% F 12.99% $0 none
Fixed (F) or they may vary (V) as noted above.
~~J~r`~'V~K $5,354.83 ~ $106.00 Enter Amount Enclosed Below
Payment Due Date $ ~-
April 11, 2007 please make check payable to Discover Platinum
Card or pay online ~ Discovercard.com.
12 SDSN8A010012980
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.comlpaperless.
PO BOX 71084 IIL~~IIr~r~~Jl~rl~llrr~ll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changeE Print cljange in space lul~llnln~~~lln~~ul~lu~lll~n~lnlnlnllnlnlul~lull
above, or go to Discover.com. Print your a-mtail address to
receive important Account information and special offers.
00000198661809243811'3053548300000000010600
'Discover Open Road Cara Account Summary
Closing Date: March 12, 2007 page 1 of 3
Account number ending in 4766 Previous Balance $3,781.35
Payment Due Date April 1 1, 2007 ', Payments And Credits - 2,546.08
Minimum Payment Due $106.00 Purchases + 4,048.46
Credit limit $8,250.00 Cash Advances + 0.00
Credit Available $2,895.00 Balance Transfers + 0.00
Cash Credit Limit $4,000.00 Finance Chargsa + 71.10
Cash Credit Available $2,895.00 New Balance = $5,354.83
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CCShbC1CIC BCIIUS® ' Opening Cashback Bonus Balance $ 50.79
New Cashback Bonus This Period + 37.30
Redeemed This Period - 40,00
Cashbdck BonusiBl Since Ariniversary Month ' CashbaclcBonus Balance -$ 48:09
April: $99.11 '
CONGRATUTATIONSI Your Cashback
Bonus(R) is waiting For you. Visit
Diseovercard.com or call 1-800.DISCOVER
(1-800.347-2683) to get your share of
America's #1 Cash Rewards Program.
I
,HOW Can We ~" ~e~ YOU
p 1 • Visit Diacover.com ro pay your bill for no coat, view ur
latest Account informahon
earn and redeem rewardsoand more
It's your choice - 3 ways to he~p ,
2. Call 1-800-DISCOVER (347.2683) For Fast, easy self-service
Please have your Discover Card available. ~ options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) seed reverse side 3. Write us at Discover Card, PO Boz 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Ual~ ility Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Crodih Feb 18 Feb 9 BLOCKBUSTER VIDEO #90765 ENOLA PA $ -6.08
Feb 27 Feb 7 PHONE PAYMENT -THANK YOU _1,000,00
Mar 10 Mar x, 10 -PHONE PItYMENT -THANK YOU --9 ;500.00 - -
'Award and Rebate Credits Mar 11 Mar l l REWARD REDEMPTION CREDIT •40.00
Msrchandias/Retail Feb 17 Feb 7 GABRIEL BROS- HARRISBURG HARRISBURG PA 11.34
Feb 18 Feb 8 BLOCKBUSTER VIDEO #90765 ENOLA PA 15.89
Feb 19 Feb 9 OLLIES BARGAIN OUTLET HARRISBURG PA 29.41
Feb 24 Feb 4 YALE ELECTRIC SUPPLY C HARRISBURG PA q,pl
Feb 2b Feb 6 RITE AID HARRISBURG PA 130.97
Mar 5 Mar BASS #597 ATLANTIC CITYW 19.98
Mar 5 Mar IZOD #955 ATIANTIC CITYW 9.00
Mar 5 Mar TOMMY HILFIGER #121 ATLANTIC CITYNJ 39.98
Mar 6 Mar WA4MART SC - #1591 HARRISBURG (EPA gq,Oq
Mar 8 Mar YALE ELECTRIC SUPPLY C HARRISBURG PA 6.49
Mar 10 Mar 0 STAPLES 00108274 HARRISBURG PA 6.84
Restaurants Feb 11 Feb 3 JUMBO BUFFET AND GRILL HARRISBURG PA 28.50
Feb 12 Feb 1 3 JUMBO BUFFET AND GRILL HARRISBURG PA 48.71
Manage your account your way -whether
prefer to speak with a live person or manage it on your own, Discover(R)
V~,~"`~`'V CK I L_~_~~~VER J Account number ending in 4766
Get added security ~n
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password-protected statements 1
• Access up to 24 months of
printable statements.
• See your statement as soon
rather than wait for it io err
i no paper trail
re secure with
only you can access.
iYs available
in your mailbox
• Get helpful payment reminder .through e-mail
or text messages on your mob le phone.
• Print a paper copy of your sta~ement anytime.
Closing Date: March 12, 2007 page 2 of 3
~Rsstaurants Feb 19 Fe~ 19 JUMBO BUFFET AND GRILL HARRISBURG PA $ 26.50
Feb 25 Fe 25 JUMBO BUFFET AND GRILL HARRISBURG PA 23.20
Feb 26 Fe 26 RANCHO GRANDE MEXICAN MECHANICSBURGPA 21.47
Feb 26 Fe 26 DOMINOS PIZZA #4860 HARRISBURG PA 15.90
Mar 2 M r 2 DOMINOS PIZZA #4860 HARRISBURG PA 15.90
Mar b M r b HMSHOST-PA-TURNPK #Q63 ELVEP,SON PA 3.70
Mar 6 M r b HMSHOST-PA-TURNPK #0163 ELVERSON PA 3,94
Mar 9 M r 9 JUMBO BUFFET AND GRILL HARRISBURG PA 28.66
',Gasoline Feb 12 Fek } 13 GIANT FOOD STORES #263 ENOLA PA 40.00
Feb 15 Fe 15 RUTTER'S FARM #53 ETTERS PA 3.83
Feb 16 Fe 16 AMOCO OIL 06954952 HARRISBURG PA 1.73
Feb 17 Fe 17 GIANT FOOD STORES #6 HARRISBURG PA 43.50
Feb 20 Fe 20 TOM'S DUNCANNON DUNCANNON PA 30.01
Feb 20 Fe 20 HESS 38255 HARRISBURG PA 4.23
Feb 20 Fe 20 HESS 38255 HARRISBURG PA 40.01
Feb 23 Fe 23 GIANT FOOD STORE #120 MECHANICSBUR PA 49.04
Feb 23 Fa 23 HESS 38218 SWATARA PA 49.20
Feb 27 Fe 27 HESS 38218 SWATARA PA 42.07
Mar 1 M r 1 AMOCO OIL 06954952 HARRISBURG PA 43.02
Mar 3 M r 3 HESS 30504 HOBOKEN W 8.42
Mar 3 M r 3 EXXONMOBIL OKX9757 EASTON PA 36.43
750 477 264 6
Mar 3 M r 3 TOM'S #20 ENOLA PA 41.00
Mar 4 M~ r 4 RUTTER'S FARM #7 YORK PA 30.02
Mar b M r b SUNOCO PHILADELPHIA PA 40.00
Mar 7 M~ r 7 TURKEY HILL #0186 Q69 STEELTON PA 20.00
Mar 7 M
a 7 TURKEY HILL #0266 0169 HARRISBURG PA 20.11
Mar 9 M ~ 9 AMOCO OIL 06954952 HARRISBURG PA 20.02
Mar 9 Ma~ F 9 SUNOCO HARRISBURG PA 30.00
!Automotive Feb 16 Fee 16 ADVANCE AUTO PARTS #12 ENOLA PA 74.07
'Trarvel/Enbrtainmsnt Mar 7 Ma ~ 7 HARRAH'S HOTEL LODGING ATLANTIC CITYNJ 86.66
',Services Feb 22 Fe ' 22 SPRINTPCS-CUSTCAREPMT OVERLAND PARKKS 250.00
Mar 2 Ma 2 SPRINTPCS-CUSTCAREPMT OVERLAND PARKKS 75.00
Mar b Ma 6 CAESARS ATIANTIC CITY ATLANTIC CITYW 68.50
Mar 7 Ma 7 CAESARS ATLANTIC CITY ATIANTIC CITYNJ 46.59
Mar 7 Ma 7 TWX*AOL SERVICE 0307 800.827-6364 NY 25.90
'; M3601327674296)0
Supermarkets Feb 14 Fe 14 GIANT FOOD STORES #263 ENOLA PA 39
98
Feb 22 Fe 22 ENOLA SHURFINE ENOLA PA .
7;91
Feb 23 Fe 23 ENOIA SHURFINE ENOLA PA 6.71
Feb 23 Feb 23 GIANT FOOD STORES #263 ENOLA PA 1 1
11
Feb 23 Feb 23 CHOICE CIGARETTE DISCO HARRISBURG PA .
27,23
Feb 24 Feb 24 GIANT FOOD STORES #120 MECHANICSBURGPA 53
00
Feb 28 Feb 28 GIANT FOOD STORES #263 ENOLA PA .
7
80
Feb 28 Feb 28 GIANT FOOD STORES #263 ENOLA PA .
12.56
Mar 1 Ma 1 CHOICE CIGARETTE DISCO HARRISBURG PA 43.88
Mar 3 Ma 3 TITAN FOODS ASTORIA NY 65.27
Mar 8 Ma 8 GIANT FOOD STORES #263 ENOLA PA 13.65
Mar 1 1 Ma{ 1 1 GIANT FOOD STORES #100 NEWPORT PA 90.67
~QUeStlonS? Manage your ace
....II 1 OAA AICI'A\/CA I1 O/~A 7 A7
nt at Discover.com or
LOO)
®2009 Diuover Bank, Member FDIC
VISC.~':~~?V ~K
Get added security witl
Make your account information mo
password-protected statements that
Sign up today at
Discovercom/paperfess
• Access up to 24 months of dowrloadable,
printable statements.
• See your statement as soon as it's available
rather than wait for it to arrive iin your mailbox
• Get helpful payment reminders }hrough a-mail
or text messages on your mobil phone.
• Print a paper copy of your statement anytime.
Closing Date: March 12, 2007 page 3 of 3
Warohouse dubs Feb 12 Feb 3 SAMS CLUB - #8175 HARRISBURG PA 124.92
Feb 20 Feb 0 SAMS CLUB - #8175 HARRISBURG PA 112.69
Feb 27 Feb 7 SAMS CLUB - #8175 HARRISBURG PA 56.60
Mar 6 Mar'i b SAMS CLUB - #8175 HARRISBURG PA 24.09
Homs Improvsment Feb 17 Feb 7 LOWE'S 522 HARRISBURG PA 9.10
Feb 17 Feb 7 LOWE'S 522 HARRISBURG PA 33.47
Feb 19 Feb 9 LOWE'S 522 HARRISBURG PA 6.97
Feb 21 Feb 1 LOWE'S 522 HARRISBURG PA 72,76
Feb 21 Feb 1 LOWE'S 522 HARRISBURG PA 104.71
Feb 21 Feb 1 LOWE'S 522 HARRISBURG PA 373.29
Feb 22 Feb 2 LOWE'S 522 HARRISBURG PA 92.78
Feb 23 Feb 3 HORNUNG TRUE VALUE HARRISBURG PA 20.05
Feb 23 Feb 3 HORNUNG TRUE VALUE HARRISBURG PA 16.93
Feb 23 Feb 3 LOWE'S 522 HARRISBURG PA 231.32
Feb 23 Feb 3 LOWE'S 522 HARRISBURG PA 46.78
Feb 24 Fab 4 HORNUNG TRUE VAIUE HARRISBURG PA 29,28
Feb 24 Feb 4 LOWE'S 522 HARRISBURG PA 31.98
Feb 25 Feb 5 THE HOME DEPOT 41 13 HARRISBURG PA 3,qq
Feb 25 Feb 5 LOWE'S 522 HARRISBURG PA 31.07
Feb 25 Feb 5 LOWE'S 522 HARRISBURG PA 139.92
Feb 27 Feb 7 THE HOME DEPOT 4113 HARRISBURG PA 20.52
Feb 28 ~
Feb 8 HORNUNG TRUE VALUE HARRISBURG PA 14,gp
Mar 1 Mar 1 HORNUNG TRUE VALUE HARRISBURG PA 1 q
57
Mar 1 Mar l HORNUNG TRUE VALUE HARRISBURG PA ,
9.12
Mar 1 Mar 1 LOWE'S 522 HARRISBURG PA 117.92
Mar 2 Mar LOWE'S 522 HARRISBURG PA 80.54
Mar 9 Mar LOWE'S 522 HARRISBURG PA 13.75
Deportmsnt Storo Mar 3 Mar ~ SEARS ROEBUCK 1044 JERSEY CITY NJ 15.95
j Information For You
Balance Transfer offer for current billing perio :Daily Periodic Rate: 0.013429'0; corresponding ANNUAL PERCENTAGE
RATE: 4.90%. Rate is subject to the terms of ~
III
i
II e offer including expiration.
Finance Charge Summary
Average
Daily
Balances
current billing period: 28 days
Purchases $5455.29
Cash Advances $0
previous billing period: 31 days
Purchases $1516.92
The rates that apply to your Account are ei
__~~S~V~~~ Account number ending in 4766
no paper trail
secure with
ily you can access.
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.035599'0 12.99% F 12.99% $54.36 $0
0.062999'0 22.999° F 22.99% $0 $0
0.035599'• 12.99% F 12.999a $16.74 none
fixed (F) or they may vary (V) as noted above.
QUeSt10nS? Manage your accou tat Discover.com or
®2009 Discover Bank, Member FDIC
~'J~'~'v ~K $7,366.98 $146.00 ~ Enter Amount Enclosed Below
Payment Due Date ~ ~-~
May 11, 2007 please make check payable to Discover Platinum
Card or pay online ~ Discovercard.com.
12 SDSN6A01 0012981
STONE, HEATHER R Go paperless and make your account
9 WESTWOOD CT information more secure with password-
protected statements only you can access.
ENOLA PA 17025-1508 Learn more at dtscover.comlpaperless.
PO BOX 71084 ~~~nr~~nnn~~u~r~~nr~~
CHARLOTTE NC 28272-1084
Address, email or telephone change8 Print ~hange in space I~~I~~I~~I~~~I~IIi~~'ii~~~iii~Ill~~rl~~I~~I~~I'~~I~~'„I~I~~I~
above, or go to Discover.com. Print your a ail address to
receive important Account information and ~pecial offers.
0000019866180924381~3073669500000000014600
'Discover Open Road Card! Account Summary
Closing Date: April 12, 2007 page 1 of 3
Account number ending in 4766
'..Payment Due Date May 1 1, 200T,
.Minimum Payment Due $146.00
Credit Limit $8,250.00
Credit Available $883.00
Cash Credit Limit $4,000.00
~CashCreditAvailable $883.00
Previous Balance $5,354.83
Payments And Credits - 340.00
Purchases + 2,278.79
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 73.33
New Balance $7,366.95
You maybe able to avoid Periodic Finance Charges, see the
reverse side For details.
CgShbgtk BOnUSe Opening Cashback Bonus Balance $ 48.09
New Cashback Bonus This Period + 18.62
Redeemed This Period - 40.00
.Cashback Bonus®Since Anniversary Month'.. Cashback Bonus Balance - $ 26,71
.April: $1 17.73
CONGRATULATIONSI Your Cashback
', Bonus(R) is waiting for you. Visit
!Discovarcard.com or call 1-800.DISCOVER
(1-800.347-2683) to get your share of
:America's #1 Cash Rewards Program.
~, How Can We Hel You? ', 1 • Visit Discoveaeom to pay your bill kr no cost, view your
p latest Account information, earn and redeem rewards and more
~~t'S your choice - 3 ways to help 2. Call 1-BOaDISCOVER (347.2683) for fast, easyself-service
IPlease have your Discover Card available. '~, options or b speak with a Customer Service Account Manager
!For TDD assistance for hearin 3. Write us at Discover Card, PO Box 30443,
( g impaired) seb reverse side Salt Lake City, UT 84130
'Transactions $0 Fraud Lia bility Guarantee Use your Discover Card with confidence.
Trans. Po
Date Dat~
Paymenta and Crodita Apr 3 Apdi 3 PHONE PAYMENT -THANK YOU $ -300.00
Award and RsbaM Crodifs Mar 18 Ma i 18 REWARD REDEMPTION CREDIT -40.00
'Merchandise/Retail Mar 15 Ma ~ 15 WAL-MART SC - #1591 HARRISBURG (EPA 39.82
Mar 18 Ma ~ 18 BLOCKBUSTER VIDEO #90765 ENOLA PA 15.89
Mar 19 Mai 19 BASS #597 ATLANTIC CITYNJ 18.99
Mar 19 Ma 19 IZOD #955 ATLANTIC CITYNJ 90.45
Mar 19 Ma 19 GEOFFREY BEENE #233 ATLANTIC CITYNJ 4.99
Mar 21 Ma 21 THE DISNEY STORE 6583 HARRISBURG PA 14.97
Mar 24 Ma 24 BURUNGTON COAT 169 HARRISBURG PA 61.16
Mar 27 Mo 27 DOLRTREE 2100021469868 ENOIA PA 5.24
Mar 27 Ma 27 RITE AID HARRISBURG PA 8,57
Mar 28 Ma 28 GABRIEL BROS- HARRISBURG HARRISBURG PA 28.03
Mar 28 Ma 28 TJMAXX #0720 MECHANICSBURGPA 14,00
Mar 28 Ma 28 Al-WRIGHT #0155 HARRISBURG PA 16.65
Mar 30 Ma 30 THE DISNEY STORE 6583 HARRISBURG PA 11.96
Mar 30 Ma 30 THE DISNEY STORE 6583 HARRISBURG PA g,47
Apr 2 Apr 2 WAL-MART SC - #1591 HARRISBURG (EPA 43.47
uI~L • "".'i/ tK I i DISCVER'__~ Account number ending in 4766
Get added security wi no paper trail ; ; -
Make your account information mo a secure with ''
password-protected statements that my you can access. i
• Access vp to 24 months of dow loadable, '' Sign up today at
printable statements. ~ ~ Discovercomjpaperless
• See your statement as soon as i 's available j
E
rather than wait for it to arrive i n your mailbox. ~_'
• Get helpful payment reminders hrough a-mail ;„
or text messages on your mobil phone.
rmt a a er co of our slat
P P PY Y ment anytime.
192009 Diuover (Sank, Member FDIC
~I Closing Date: April 12, 2007 page 2 of 3
RsstauraMs Mar 20 Mar I
" 20 FIESTA MEXICO 7179201553 PA $ 34,00
Mar 28
Mar 28 FIESTA MEXICO 7179201553 PA 30.00
Gaaolins Mar 16 Mar 16 RUTTER'S FARM # 8 YORK PA 40.14
Mar 16 Mar 16 HESS 38418 MARYSVILLE PA 28.16
Mar 19 Mar 19 CUMBERLAND FARMS 2958 ATLANTIC CIT NJ 43.45
Mar 24 Mar 24 FUNCK'S EXXON GRANTVILLE PA 15.00
Mar 24 Mar 24 SUNOCO ENOLA PA 46.06
Mar 24 Mar 24 SUNOCO ENOLA PA 41.59
Mar 27 Mar 27 GIANT FOOD STORES #263 ENOLA PA 58.70
Mar 31 Mar 31 SHEETZ 00003053498 YORK PA 0.99
Mar 31 Mar 31 SHEETZ 00003053498 YORK PA Y9.81
Apr 1 Apr HESS 38420 NEW CUMBERLA PA 2.35
Apr 1 Apr HESS 38420 NEW CUMBERLA PA 43.20
Apr 1 Apr GIANT FOOD STORE #100 NEWPORT PA 45.25
Apr 3 Apr TOM'S #20 ENOLA PA 63.00
Apr 5 Apr EXXONMOBIL EASTON PA Y7,01
Auromotiw Mar 29 Mar 29 SWATARA AUTO SERVICE 7179399344 PA 21,15
Mar 30 Mar 30 SWATARA AUTO SERVICE 7179399344 PA 84.70
Services Mar 16 Mar 16 EMPIRE BEAUTY SCHOOL 1 HARRISBURG PA q,00
Mar 20 Mar 20 ABN AMRO NATIONAL LENDIN SUNRISE FL 300.00
Mar 21 Mar 1 CAESARS ATLANTIC CITY ATLANTIC CITYW 11,00
Mar 28 Mar 8 SPRINTPCS•CUSTCAREPMT OVERLAND PARKKS 200,00
Apr 7 Apr TWX*AOl SERVICE 0407 800-827-6364 NY 25.90
M460132767429610
Supermarkets Mar 14 Mar 14 R&S SURPLUS FOODS MARYSVILLE PA 44.10
Mar 16 Mar 16 SEAMANS MARKET SHERMANS DALEPA 1,qq
Mar 24 Mar 4 EZ GAS MART HARRISBURG PA 40.00
Warobouse dubs Mar 15 Mar 15 SAMS CLUB - #8175 HARRISBURG PA 160,17
Mar 28 Mar 8 SAMS CLUB • #8175 HARRISBURG PA 19.05
Apr 2 Apr SAMS CLUB - #8175 HARRISBURG PA 148.16
Apr 2 Apr SAMS CLUB - #8175 HARRISBURG PA 145.47
Home Improvement Mar 14 Mar 14 SHERWIN WILLIAMS #5165 ENOLA PA 29.14
Mar 23 Mar 3 HORNUNG TRUE VALUE HARRISBURG PA 1 1,60
Mar 23 Mar 3 HORNUNG TRUE VALUE HARRISBURG PA 4,11
Deparhnent Srore Mar 28 Mar 8 MACY*S EAST #0198 HARRISBURG PA 19.98
Mar 28 Mar 8 MACY*S EAST #0198 HARRISBURG PA 23.97
Mar 30 Mar 0 MACY*S EAST #0198 HARRISBURG PA 24.95
Mar 31 Mar 1 BOSCOVS DEPARTMENT STORE CAMP HILL PA 24.gg
Information For You
Balance Transfer offer for current billing perio :Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCENTAGE
RATE: 7.903'0. Rate is subject to the terms of t e offer including expiration.
Build rewards faster when you use ShopDisco er to shop for Springl Earn 5% Cashback Bonus and more aF top online
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Diseovereard.com/shop
QUeStlOnS? Manage your accou nt at Discover.com or
V13
~ ~~"~ ~ ~~~ ~_ DISCOVER Account number ending in 4/66
Get added security wi h no paper trail ~--:~--;
Make your account information m re secure with
password-protected statements th t only you can access.
• Access up to 24 months of do nloadable, Sign up today at
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• See your statement as soon as it's avoilable
rather than wait for it to arrive in your mailbox. ~
is
• Get helpful payment reminder through a-mail
or text messages on your mob le phone.
uv.
• Print a paper copy of your sta ement anytime.
~ ®'1009 Discover [Sank, Member FDIC
III
~,
Closing Date: April 12, 2007 page 3 of 3
',Through generous Cardmembers like you, iscover(R) Card has donated more than $15 million to the Make-A-Wish
Foundation(R). Consider contributing your ashback Bonus to the Make-?rWish Foundation to help make a child's dream
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I
it
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Finance Charge Summa
Average
Dail Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
P
i
di
PERCENTAGE
y
Balances er
o
c
PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $6647.28
Cash Advances $0 0.035599'• 12.9990 F 12.99% $73.33 $0
0
'
.062999
• 22.99% F 22.99% $0 $0
the rates that apply to your Account are eith r fixed (F) or they may vary (V) qs noted above.
QUeSt10nS? Manage your acco nt at Discover
com
.._II 7 _OAA MC/"A\/GD f 7 Ol~11 0 A7 .
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12 SDSN8A010012982
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
$166.00 J Enter Amount Enclosed Below
Payment Due Date $ ~ -~
June 11, 2007 Please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$122.46.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at dlscover.comlpaperless.
PO BOX 71084 Illnrllnn~~llul~llrnll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changeg Print change in space I~~'~II~~I~~~I~~I~~~I~~I~I~~~II'I~~~I~~I~iI~~II'~'~~I~~I')11~~
above, or go to Discover.com. Print your e-mail address to
receive important Aceovnt information and splecial offers.
00000198661809243811''3083724600200000016600
'Discover Open Road Card Account Summary
Closing Date: May 12, 2007
Account number ending in 4766
Payment Due Date June 1 1, 2007
Minimum Payment Due $166.00
Credit Limit $8,250.00
Credit Available $0.00
Cash Credit Limit $4,000.00
Cash Credit Available $0.00
page 1 of 2
Previous Balance $7,366.95
Payments And Credits - 200.00
Purchases + 1,122.75
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 82.76
New Balance = $8,372.46
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CQSI16aCIC BQttUS® Opening Cashback Bonus Balance $ 26.71
New Cashback Bonus This Period + 6.28
Cashback Bonus Balance $ 32.99
Cashback Bonus® Since Anniversary Month
April: $6.28
CONGRATULATIONSI Your Cashback
Bonus(R) is waiting for you. Visit
Discovercard.com or call 1-800-DISCOVER
(1-800.347.2683) to get your share of
America's #1 Cash Rewards Program.
How Can We Hel You? 1 ~ Visit Discovsacom to pay your bill for no cost, view yyour
h latest Account information, earn and redeem rewarcfs and more
It's your choice - 3 ways to held 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 hearin im aired see,reverse side 3. Write us at Discover Card, PO Box 30943,
g P ) Sah lake City, UT 84130
Transactions $0 Fraud Liak# ility Guarantee Use your Discover Card with conAdence.
Trans. Post
Date Date
Payments and Credits May 7 May I 7 PAYMENT -THANK YOU $ -200.00
Merchandise/Retail Apr 18 Apr ~ 8 BLOCKBUSTER VIDEO #90765 ENOLA PA 15.89
Oihsr/Miscellaneous May 12 May 12 OVERLIMIT FEE 39.00
Gasoline May 3 May' 3 SUNOCO HARRISBURG PA 75.00
Services Apr 30 Apr 0 SPRINTPCS-CUSTCAREPMT OVERLAND PARKKS 272.72
May 3 May 3 NRA GROUP, LLC 800-360-4319 PA 501.00
May 7 May TWX'AOL SERVICE 0507 800-827-6364 NY 25.90
M560132767429610
May 7 May FOOD/MDSE COURT - PC CLA L B V FL 25.54
WALT DISNEY WORLD RESORT R1140641
Supermarkets May 2 May. GIANT FOOD STORES #263 ENOLA PA 6.14
May 2 May GIANT FOOD STORES #263 ENOLA PA 30.26
Government Services May 2 May USPS 4134870025 ENOLA PA 16.00
Warehouse Gubs May 3 May SAMS CLUB - #8175 HARRISBURG PA gb,71
Home 4nprowment May 10 May 10 THE HOME DEPOT 4113 HARRISBURG PA 28.59
~~J`r"=.~`V GK ~-~ISS,~1CEf~_) Account number ending in 4766
Get added security wi h no paper trail
Make your account information m re secure with
password-protected statements tha only you can access.
• Access up to 24 months of do nloadable,
printable statements.
• See your statement as soon as it's available
rather than wait for it to arrive, in your mailbox.
• Get helpful payment reminder through a-mail
or text messages on your mob le phone.
• Print a paper copy of your sta ement anytime.
Sign up today at
Discovercom/paperless
it
', Closing Date: May 12, 2007 pogo 2 of 2
Finance Charge Summa
Average
Daily .Nominal
ANNUAL
ANNUAL
Periodic 7ransoction
Fee
Daily
B antes Periodic
Rates PERCENTAGE
RATES PERCENTAGE
RATES FINANCE
CHARGES FINANCE
CHARGES
current billing period: 30 days
Purchases $7750.45 0.03559% 12.999'• F 12.999'• $82.76 $0
Cash Advances $0 0.06299% 22.99% F 22.99'Ye $0 $0
The rates that apply to your Account are eith r fixed iF) or they may vary (VI as noted above.
QUeStlonS? Manage your acco~nt at Discover.com or
.,..II ~_onn_nicrnvco ri onno~~ ~o~l
®2009 Discover [lank, Member FDIC
VIJC. ;~.~~V tK
$175.00 __ _ J Enter Amount Enclosed Below
Payment Due Date
July 11, 2007 please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$605.08.
Go paperless and make your account
information more secure with password-
Protected statements only you can access.
Learn more at discover.com/paperless.
S8,855.08~
I
~i
ii
I
12 SDSN6A07 0012983 i
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Address, email or telephone change6 Print c ange in space
above, or go to Discover.com. Print your em it address to
receive important Account information ands ecial offers.
PD Box 71084 111~~~11~~~~~~11~~1~11~~~11
CHARLOTTE NC 28272-1084
InlJlnluililln~lnl~ln~llllu~ln~nln~~nlnlnlilnll
000001986618092438113088550800000000017500
Discover Open Road Cara Account Summary
Closing Date: June 12, 2007 page 1 of 2
Account number ending in 4766 ~I, Previous Balance $8,372.46
Payment Due Date July 11, 2007 '' Payments And Credits - 1,100.00
Minimum Payment Due $175.00 ' Purchases + 1,489.90
Credit limit $8,250.00 ' Cash Advances + 0.00
Credit Available $0.00 $alance Transfers + 0.00
Cash Credit Limit $4,000.00 'i Finance Charges + 92.72
Cash Credit Available $0.00 ! New Balance = $8,855.08
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Ct]SII6GCIC BOflUSe ~', Opening Cashback Bonus Balance $ 32.99
New Cashback Bonus This Period + 28.85
Cashback Bonus Balance $ 61.84
CasfibackBorius~ Since Anniversary Nlontk ' - - - -
April: $35.13
CONGRATUTATIONSI Your Cashback
Bonus(R) is waiting For you. Visit
Discovercard.com or call 1.800-DISCOVER
(1-800-347-2683) to get your share of '~
'America's #1 Cash Rewards Progmm.
:How Can We Hel You?
p 1 • Visit Diacovsr.com to pay your 611 for no cost, view our
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to hel 2. Call 1-800-DISCOVER (347-2683) for Fast, easyselFservice
Please have your Discover 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 84130
:,Transactions so Fraud Lia ility Guarantee Use your Discover Card with confidence.
Tran:. Post
Dab Dab
Payments and Credits May 23 May 23 PHONE PAYMENT -THANK YOU $ -1,100.00
Merchandise/RetaR May 18 May 18 BLOCKBUSTER VIDEO #90765 ENOLA PA 15.89
May 27 May 27 DOLRTREE 2 1 0002 1469868 ENOLA PA 9.36
May 27 May 7 KMART ENOLA PA 36.63
Moy 31 May 31 ROSS DRESS FOR LESS H PA 35.96
Jun 5 Jun 5 GLUES BARGAIN OUTLET 4 HARRISBURG PA 156.00
Restaurants May 16 May 16 BROTHER'S PIZZA ENOLA PA 5.84
May 28 May 8 MCDONALD'S F1965 ENOIA PA 10.60
May 29 May 9 JUMBO BUFFET AND GRILL HARRISBURG PA 45.00
Jun 1 Jun 1 THE DAWG HOUSE BROTHER DUNCANNON PA 22.26
CMhsr/Miusllaneous Jun 12 Jun 1 OVERUMIT FEE 39.00
lsasoline May 11 May 13 GIANT FOOD STORES #b HARRISBURG PA 32.71
May 13 May 13 SHEETZ 00003053498 YORK PA 30.12
May 15 May 5 GIANT FOOD STORES #b HARRISBURG PA 37.05
May 15 May 5 HESS 38429 MANHEIM PA 4.99
May 24 May 4 SUNOCO BREINGSVILLE PA 32.02
May 25 May 5 EXXONMOBIL EASTON PA 20.02
VIJ~.~=~~V CK
~... DISC~VER_I Account number ending in 4766
Get added security wit~t no paper trail
Make your account information m re secure with
password•protected statements tha only you can access.
• Access up to 24 months of do nloadoble,
printable statements.
• See your statement os soon as it's available
rather than wait for it to arrive,in your mailbox.
• Get helpful payment reminder through a-mail
or text messages on your mobile phone.
• Print a paper copy of your sta ment anytime.
Sign up today at
Discovercom/paperless
®2009 Dixover Dank, Member FDIC
Closing Date: Juna 12, 2007 page 2 of 2
Gaaoline May 26 M ~, 26 EXXONMOBIL MIDDLETOWN PA 36.97
May 27 M 27 TOM'S #20 ENOLA PA 30.01
May 28 M 28 TOM'S #20 ENOLA PA 52.07
May 30 M 30 TOM'S #20 ENOIA PA 50.00
Jun 2 Jun 2 HESS 38418 MARYSVILLE PA 27,40
Jun 4 Junl 4 EXXONMOBIL HARRISBURG PA 75.03
Jun 8 Jun 8 S & S OIL CORPORATION HARRISBURG PA 33.60
Jun 10 Jun,
l 10 SHEETZ 00003053498 YORK PA 27,44
Services May 15 Ma 15 SPRINT PCS-996SP fVR OVERLAND PARKKS 93.22
Jun 1 Jun ~ SPRINTPCS-CUSTCAREPMT OVERLAND PARKKS 210.00
Jun 7 Jun .7 TWX*AOL SERVICE 0607 800-827-6364 NY 25.90
', M660132767429610
ISupermarksta May 15 M 15 GIANT FOOD STORES #263 ENOLA PA 44.54
May 24 Ma 24 INTERSTATE MARKET EASTON PA 5,17
May 25 Ma 25 WEIS MARKETS #125 CAMP HILL PA 6.07
May 25 M 25 ENOLA SHURFINE ENOLA PA 1 1.38
May 29 Ma 29 ENOLA SHURFINE ENOLA PA 1.98
May 31 M 31 MUTZABAUGHS MKT S7F DUNCANNON PA 1 1.01
Jun 5 Jun 5 KARNS QUALITY FOOD SNQ HARRISBURG PA 17.90
Warehouse Clubs May 29 Ma ~ 29 SAMS CLUB - #8175 HARRISBURG PA 165.56
,Home Improvement May 15 Ma y 15 HORNUNG TRUE VALUE HARRISBURG PA 6.86
May 15 Ma y 15 HORNUNG TRUE VALUE HARRISBURG PA 4,4g
Jun 4 Jun~ 4 HORNUNG TRUE VALUE HARRISBURG PA 44.Og
Information For You
IBolance Transfer offer for current billing peri od: Daily Periodic Rate: 0.021649'0; corresponding ANNUAL PERCENTAGE
RATE: 7.90%. Rate is subject to the terms o the offer including expiration.
i
.Soon we'll no longer be printing your Full ac
~
aunt number on your statement. It's just another way to keep your information
!saFe. But of course, if for any reason you ne ~ your full account number, it'll still be right there on your card.
Congratulations to the 2007 National. Disco er(R) Card Tribute Award(R) Scholarship winners: Shanna Decker, Karlynda
Johnson, July Lee, Emily Lester, Kathleen Me lynn, Eric Ndikumana, Daniea Samuels, Kelsey Tainsh, Kelly Wolfe and
Stephanie Wong. Each won $27,500 for p sthiglyschool education or training. Visit Discovercard.com/tribute to learn
more.
''..Finance Charge
Average
Daily
Balances
'.current billing period: 31 days
Purchases $8403.52
,Cash Advances $0
The rates that apply to your Account are e
~QUeStlonS? Manage your acct
.._II ~_onn_nie~nve~ ri onn o ~~
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.035599'0 12.9990 F 12.99% $92.72 $0
0.06299% 22.99% F 22.99% $0 $0
Fixed (F) or they may vary (V) as noted above.
nt at Discovar.com or
xoo~
UiSC. ~~V tK $8,359.96~~i I $165.00 ~ ~ Enter Amount Enclosed Below
I! Payment Due Date $ -l
' August 11, 2007 please make check ayable to Discolver Card.
You are overlimit. flay the sum of the monthly
minimum payment plus the overlimit amount of
$109.96.
12 SDSN8A010012984
STONE, HEATHER R Go paperless and make your account
9 WESTWOOD CT information more secure vwth password-
protected statements only you can access.
ENOLA PA 17025-1508 Learn more at discoveccorrUpaperless.
I'~, PO BOX 71084 IIIrrJlrrrrr~ILJr16rJl
'~ CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ Print c ange in space ~~rlrllrrlr~rl~llr~rlrrlrli~rllllrrrlrrlrrlrrl'rrlrrlr~~ilrrll
above, or go to Discover.com. Print your e-m it address to
receive important Account information ands cial offers.
OOOD019866180924381113083599600000000016500
'Discover Open Road Cara Account Summary
Closing Date: July 12, 2007 page 1 of 2
Account number ending in 4766 ', Previous Balance $8,855.08
Payment Due Date August 11, 200' Payments And Credits - 699.00
Minimum Payment Due $165.00 I Purchases + 1 14.90
Credit Limit $8,250.00 ' Cash Advances + 0.00
Credit Available $0.00 ', Balance Transfers + 0.00
Cash Credit limit $4,000.00 ~ Finance Charges + 88.98
Cash Credit Available $0.00 New Balance = $8,359.96
' You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
Cashback Bonus®
Cashback Bonus® Since Anniversary Month
April: $37.76
Keep using your Discover(R) Card and watch
your Cashback Bonus(R) growl
Opening Cashback Bonus Balance $ 61.84
New Cashback Bonus This Period + 2.63
Redeemed This Period - 60.00
Cashback Bonus Balance $ 4.47
How Can We Hel YOU 1 • Visit Dittaver.com ro payyour bill for no cost, view ur
p latest Account information, earn and redeem rewardsoand more
It's your choice - 3 ways to heap 2. Call 1-800-DISCOVER (347-2683) for fast, easy selFservice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
for TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions
Payments and Crodits
Award and Rebate Credit:
Other/Miscellaneous
Gasoline
'Services
$0 Fraud Lial
Trans. Post
Date Dats
Jun 15 Jun 1
Jvn 22 Jun
Jun 22 Jun
Jun 15 Jun 1
-Ju112 Jull
Jun 11 Jun 1
Jul 7 Jul 7
Guarantee Use your Discover Card with confidence.
PHONE PAYMENT -THANK YOU ~ .500,00
PHONE PAYMENT -THANK YOU _100.00
OVERUMIT FEE REFUND .3q,00
REWARD REDEMPTION CREDIT -60.00
OVERUMIT FEE - - - - - 39.00
TOM'S #7 NEW CUMBERLANPA 50.00
TWX*AOL SERVICE 0707 800-627.6364 NY 25.90
M760132767429610
BJIJ~.~<:~~ V CR
j DISCOVER' ~ Account number ending m 4/00
Get added security wi no paper trail
Make your account information m re secure with
password-protected statements tha only you can access.
• Access up to 24 months of do nloadable,
printable statements.
• See your statement as soon as it's availoble
rather than wait for it to arrive in your mailbox.
• Get helpful payment reminder through e-mail
or text messages on your mob~le phone.
• Print a paper copy of your sta~ement anytime.
_.
Sign up today at
Discovercom/paperless
®2009 Discover Dank, Ahember FDIC
Closing Date: July 12, 2007 page 2 of 2
-I
Finance Charge Summa
,Balance Transfer offer for current billing peri :Daily Periodic Rote: 0.02164%; corresponding ANNUAL PERCENTAGE
RATE: 7.90%. Rate is subject to the terms o the offer including expiration.
Average Nominal
Daily ANNUAL ANNUAL
Periodic Transaction
Fee
Daily
Balances Periodic PERCENTAGE PERCENTAGE
Rates RATES RATES FINANCE
CHARGES FINANCE
CHARGES
current billing period: 30 days
!Purchases $8333.54 0.03559% 12.99% F 12.99% $88.98 $0
;Cash Advances $0 0.062993'0 22.99% F 22.999'• $0 $0
The rates that apply to your Account are eith r Fixed (F) or they may vary N) as noted above.
IQUeStlonS? Manage your account at Discover.com or
.._II s_onn.nrci^n~icn ii onno~~ ~o~~
12 SDSN8A01 0012985
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Account number ending in 4766 Previous Balance $8,359.96
Payment Due Date September 1 1, X007 Payments And Credits - 283.80
Minimum Payment Due $163.00 ', Purchases + 45.92
Credit Limit $8,250.00 ', Cash Advances + 0.00
Credit Available $38.00 Balance Transfers + 0.00
Cash Credit Limit $4,000.00 ' Finance Charges + 8q,gg
Cash Credit Available $38.00 New Balance = $8,21 1.96
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
' CCSII6CCIC BOr1USe ' Opening Cashback Bonus Balance $ 4.47
New Cashback Bonus This Period + 0,71
Go paperless and make your account
information more secure wfth password-
protected statements only you can access.
Learn more at discover.comlpaperless.
PO BOX 71084 ~~~nr~~unn~~u~r~~nr~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ Printc nge in space Irrlrllrrlrrrlr~lrrr'rrlrlrrr~Illrrrlrrlrr'rrl'rr'rrlrrlr~rrll
above, or go to Discover.com. Print your em it address to
receive important Account information ands ial offers.
000001986618092438111I3082119600000000016300 .
Discover Open Road Cara Account Summary
Closing Date: August 12, 2007 page 1 of t
Cashback Bonus Since Anniversary Month
'April: $38.47 ',
Keep using your Discover(R) Card and watch i
', your Cashback Bonus(R) growl
i Cashback Bonus Balance $ 5.18
- - - -
How Can We Helt~ You? '~ 1. Visit Discover.com to pay your bbl for no cost, view your
l
P atest Account information, earn and redeem rewards and more
~trS yOUr ChO1Ce - 3 ways to hel~ 2. Call 1-800-DISCOVER (347-2683) for fast, easyself-service
Please have your Discover Cord available. options or to speak with a Customer Service Account Manager
For TDD assistance for hearin rm aired see reverse side 3. Write us at Discover Card, PO Box 30943,
( 8 ~ P ) li Solt Lake City, UT 84130
TranSCCt10nS $0 Fraud Liagflity Guarantee Use your Discover Card with confidence.
Trans. Post ''
Date Date !,
Payments and Credits Jul 1 l Jul 1 ~ KOHLS 0359 HARRISBURG PA $ -83.80
Jul 16 Jul 1 PHONE PAYMENT -THANK YOU -200.00
Gasoline Aug 10 Aug 0 TOM'S #20 ENOLA PA 20.02
Services Aug 7 Aug TWX*AOL SERVICE 0807 800.827-6364 NY 25.90
M860132767429610
Finance Charge Summary
Balance Transfer offer for current billing perio :Doily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE
RATE: 19.999'0. Rate is subject to the terms of the offer including expiration.
Average Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Daily
a n es Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES __ RATES CHARGES CHARGES
current billing period: 31 days
Purchases $8145.94
Cash Advances $0
The rates that apply to your Account are either
Manage your budget, track your spending
0.03559% 12.99% F 12.99% $89.88 $0
0.06299% 22.99% F 22.99% $0 $0
Fixed (F) or they may vary (V) as noted above.
avoid fees with FREE timely e-mail reminders. Learn more about email
$163.00 _ Enter Amount Enclosed Below
Payment Due Date $
September 11, 2007 please make check payable to Discover Card or
pay online ~ Discovercard.com.
Vf.7L.``.~'~/ C~ $8,157
12 SDSN6A01 0012986
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
$162.00 __J Enter Amount Enclosed Below
Payment Due Date ~ ~-
Ocbber l 1, 2007 please make check payable to Discover Card or
pay online ~ Discovercard.com.
Go paperless and make your account
information more secure wRh password-
protected statements only you can access.
Learn more at discover.comlpaperless.
PO BOX 71084 ~~~n~~~uun~~~~~~~~n~~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ Print hangs in space I~~'i~'~~I~~~~~II~~~I~~~~I~~~I'~I~~~I~~I~~'~~I'~~I~~I"I~I~~~~
above, or go to Discover.com. Print your ail address to
receive important Account information and pecial offers.
00000198661809243811'3081575600000000016200
I
`Discover Open Road Card! Account Summary
1, Closing Date: September 12, 2007 page 1 of 2
,Account number ending in 4766 Previous Balance $8,21 1.96
Payment Due Dafe October 11, 2 607 Payments And Credits - 300.00
Minimum Payment Due $162.00 1 Purchases + 155.81
Credit Limit $8,250.00 Cash Advances + 0.00
Credit Available $92.00 I Balance Transfers + 0.00
Cash Credit Limit $4,000.00 Finance Charges + 89.79
Cash Credit Available $92.00 1, New Balance _ $8,157.56
', You may be able to avoid Periodic Finance Charges, see the
11 reverse side For details.
CaSI1hQGIC Bcnus® Opening Cashback Bonus Balance $ 5.18
New Cashback Bonus This Period + 6.01
Cashback Bonus Balance $ ~ ~,~q
'Cashback Bonus® Since Annive~sdry Month'I -
April: $44.481
'IKeep using your Discover(R) Card and
.,your Cashback Bonus(R) growl
HOW Can We ~"le~ 'You? 11 1 • Visit Discovsacam to pay your bill For no cost, view ur
p latest Aeeount information, eam and redeem reward and more
!It's your choice - 3 ways to h~lp 2. Call 1.800-DISCOVER (347-2683) For fast, easyselFserviee
'Please hove your Discover Card available. 'i options or to speak with a Customer Service Account Manager
For TDD (assistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
II Salt lake City, UT 64130
Transactions $0 Fraud
Trans.
' Dab
,.'Payments and Crodita Aug 20
Merchandia/Retail Aug 29
'Gasoline Aug 14
Aug 18
_ _ ... Aug-1.8....
Services Sep 7
Guarantee Use your Discover Card with confidence.
20 PHONE PAYMENT -THANK YOU
29 BLOCKBUSTER VIDEO #90765 ENOLA PA
14 HESS 38418 MARYSVILLE PA
18 SAMS CLUB - #8175 HARRISBURG PA
-18 GIANT FUEI #263-ENOLA PA- - -- - -
000009
7 TWX*AOL SERVICE 0907 800-827-6364 NY
M960132767429610
$ -300.00
13.77
45.11
25.01
46:02..
25.90
VI
J~.` ~~'" Y CIC ~j~~$s~VER ~I Account number ending in 4766
Get added security wi no paper trail
Maka your account information mor
password-protected statements that secure with
my you can access.
• Access up to 24 months of dow
printable statements. loadable, I
i Sign up today at
DISCOV@I:COftl~j~ap@r~@5S
• See your statement as soon as i 's available
rather than woit for it to arrive i your mailbox. it +
• Get helpful payment reminders rough e-mail
or text messages on your mobil phone. ..~„
• Print a paper copy of your state ent anytime.
_.
®1009 Discover Bank, Member FDIC
i
Closing Date: September 12, 2007 page 2 of 2
f finance Charge Summary
Balance Transfer offer for current billing peria
RATE: 19.99%. Rate is subject to the terms of
Average
Daily
Balances
current billing period: 31 days
Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE
the offer including expiration.
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
Purchases $8138.15 0.035599'0 12.99% F 12.999e
Cash Advances $0 0.062999'0 22.99% F 22.999'•
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
QU@StlonS? Manage your accou tat Discover.com or
$89.79 $0
$0 $0
VIJ~.`_tu~V Gld Ss,
12 SDSNSA01 0012987
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
$161.00 `J Enter Amount Enclosed Below
Payment Due Date ~ ~--~
November 11, 2007 please make check payable to Discover Card or
pay online ~ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
eam more at discover.corNpaperless.
Po sox 71084 Illrrrllrrrrrrllrrlrllrrrll
CHARLOTTE NC 28272-1084
Address, email or telephone change? Print hangs in space Irrlrllrrlrrrlrllrrrlrrl~lrrrlll~rrrlrrl~~lrrllrrlr~~rrlrl~rll
above, or go to Discover.eom. Print your a ail address to
receive important Account information and s ecial offers.
0000019866180924381,3081269700000DD0016100
'.Discover Open Road Care
;Account number ending in 4766
~Poyment Due Date November 11,
Minimum Payment Due $161.00
Credit Limit $8,250.00
Credit Available $123.00
Cash Credit Limit $4,000.00
Cash Credit Available $123.00
Account Summary.
Closing Date: October 12, 2007 page 1 of 2
Previous Balance $8,157.56
:007 Payments And Credits - 300.00
Purchases + 183.64
Cash Advances + 0.00
Balance Transfers + 0.00
Financs Chargsa + 85.77
New Balanee $8,126.97
You maybe able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse
Cashback Borius® Since Anniversary Month
April: $47.60
Keep using your Discover(Rj Card and
your Cashback Bonus(R) growl
Opening Cashback Bonus Balance $ 1 1.19
New Cashback Bonus This Period + 3.12
Cashback Bonus Balance $ 14.31
_ _
How Can We Help You?
It's your choice - 3 ways to h Ip
Please have your Discover Card available.
For TDD (assistance for hearing impaired] se reverse side
'.Transactions
'.Payments and Credits
Gasoline
Servicsa
Supermarkets
GovemmsrM Services
Warohouss dubs
1. Visit Discovsrcom to pay your biN for no cost, view our
latest Account information, earn and redeem rewards and more
2. Call 1-800.DISCOVER (347-2683] For Fast, easy self-service
options or to speak with a Customer Service Aecount Manager
3. Write us of Discover Card, PO Box 30943,
Salt Lake City, UT 84130
$0 Fraud Li bility Guarantee Use your Discover Card with confidence.
Trans. Po
1)a1s Da
Sep 21 Se 21 PHONE PAYMENT -THANK YOU
Sep 30 Se 30 GIANT FUEL #263 ENOLA PA
010031
Oct 7 Oc 7 TWX*AOL SERVICE 1007 800.827-6364 NY
- - MA60132767429610 -- - -
Oct 1 O 1 GIANT FOOD STORES #263 ENOLA PA
Oct 2 Oc 2 WETS MARKETS #199 MECHANICSBUR PA
Oct 3 Oc 3 USPS 4134870025 ENOLA PA
Oct 11 CKt 11 SAMS CLUB - #8175 HARRISBURG PA
W ish you could sort these purchases by
.,.,~~..,.~~..ti...e..,.,i~.,e ,,. ti,. ti....~ ... i o
$ -300.00
51.51
25.90
20.61
19.90
24.88
40.84
,description or categorya You can - reggester at Discovercard.com to view
i....., m,... ,.~ n:...,.,,e......a ......, i...~.1,,....
~~,~~._~V CK ~-DISCYFB'I Account number ending in 4766
Get added security wit no paper trcil
Make your account information mar secure with
password-protected statements that my you can access.
• Access up to 24 months of dow loadable,
printable statements.
• See your statement as soon as i 's available
rather than wait for it to arrive i your mailbox.
• Get helpful payment reminders rough e-mail
or text messages on your mobil phone.
Print a paper copy of your state ent anytime.
Sign up today at
t Discovercom/paperless
~,.
Closing Date: October 12, 2007 page 2 of 2
current billing period: 30 days
rmance charge Summary
Balance TransFer offer For current billing perio :Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE
RATE: 19.999°. Rate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Daily . ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
Purchases $8033.12 0.035599'• 12.999'•
Cash Advances $0 0.062999'0 22.999a
The rates that apply to your Account are either fixed (F) or they may vary i
QU@St1OnSF Manage your accou tat Discover.com or
12.99% $85.77 $0
22.999'° $0 $0
as noted above.
®2009 D(acover bank, Member FDIC
VIJ<.~V CK Ss,o38.ta
12 SDSN8A01 0012988
STONE, HEATHER R
9 WESTWODD CT
ENOLA PA 17025-1508
$159.00 ~ Enter Amount Enclosed Below
Payment Due Date $
December 11, 2007 please make check payable to Discover Card or
pay online O Discovercard.com.
Go paperless and make your account
information more secure with password=
protected statements only you can access.
Learn more at discover.comlpaperless.
PO BOX 71084 ~~~~~~~~~~~~s~~~~s~r~~~~~~~
'~ CHARLOTTE NC 28272-1084
Address, e-mail or telephone ehangea Print hangs in space I~~I~'I~~I~~~I~II~~~~~~I~~~~~~III~~~I~~~~~I~~~ ~~~~~t~~~l~~~~~'
above, or go to Discover.com. Print your e- ail address to
receive important Account information and. ecial offers.
0000019866180924381~ L3080381 800000000015900
'Discover Open Road Carl Account Summary
Closing Date: November 12, 2007 page 1 of 2
'.Account number ending in 4766 Previous Balance $8,126.97
'Payment Due Date December 1 1, 12007 Payments And Credits - 300.00
;Minimum Payment Due $159.00 ', Purchases + 121.47
,Credit Limit $8,250.00 ', Cash Advances + 0.00
Credit Available $211.00 ', Balance Transfers + 0.00
Cash Credit Limit $4,000.00 Finance Charges + 89.74
Cash Credit Available $211.00 ', New Balance = $8,038.18
', You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
I
Cashback BcnuS® Opening Cashback Bonus Balance $ 14.31
New Cashback Bonus This Period + 1.58
Cashback Bonus Balance $ 15.89
Cashback Bonus® Since Arinive~sary Month
April: $49.18',
',Keep using your Discover(R) Card and
your Cashback Bonus(R) growl
HOW Can We Help YOU? ~' 1 • Visit Discover.com to pay your bill for no cost, view ur
latest Account information, earn and redeem rewardsoand more
I~trS yOU~ ChO1Ce - 3 ways to h~lp 2. Call 1.800.DISCOVER (347.2683) for fast, easyself-service
,Please have your Discover Card available. j options or to speak with a Customer Service Account Manager
For TDD assistance For hearin ~m aired s~e reverse side 3. Write us at Discover Card, PO Box 30943,
( 9 ~ P ) Salt Lake City, UT 84130
',Transactions $0 Fraud
Trans.
Dais I
Payments and Crodits Nov 2 I
'Merchandise/Retail Oct 23 f
,Gasoline Oct 23 f
'Ssrvicec Nov 7 I
Warohou:e Clubs Oct 23
Oct 23
Guarantee Use your Discover Card with confidence.
i 2 PHONE PAYMENT -THANK YOU
23 AEROPOSTALE #740 ATLANTIC CITYW
23 W1LC0 #7001 HARRISBURG PA
i 7 TWX*AOL SERVICE 1 1 07 800.827-6364 NY
_ .. ..
3 6 9610
23 SAMS CLUB • #8175 HARRISBURG PA
23 SAMS CLUB - #8175 HARRISBURG PA
$ -300.00
10.20
25.02
25.90
42.99
17.36
Wish you could sort these purchases by amount, description or eategory$ You can - register at Discovercard.com to view
9.31'C.'~V tK
"~'+ ~ Account number ending in 4766
..-DIS ER_-~
Get added security wi no paper trail
Make your account information m re secure with
password-protected statements that only you can access.
• Access up to 24 months of do nloadable,
printable statements.
• See your statement as soon as Ys avoilable
rather than wait for it to arrive lin your mailbox.
• Get helpful payment reminders through a-mail
or text messages on your mobi a phone.
• Print a paper copy of your stat ment anytime.
Closing Date; November 12, 2007 page 2 of 2
;Finance Charge Summa
Balance Transfer offer for current billing peri d: Daily Periodic Rate: 0.02737%; corresponding ANNUAL PERCE NTAGE
RATE: 9.999e. Rate is subject to the terms of he offer including expiration.
Average Nominal
Daily ANNUAL ANNUAL
Periodic Transaction
Fee
Daily
Balances Periodic PERCENTAGE PERCENTAGE
Rates RATES RATES FINANCE
CHARGES FINANCE
CHARGES
current billing period: 31 days
Purchases $8133.85 0.03559% 12.999'• F 12.99%
$89.74
$0
Cash Advances $0 0.062999e 22.99% F 22.99% $0 $0
The rates that apply to your Account are eith~ r fixed (F) or they may vary (V) as noted above.
QUeSt10nS? Manage your acco~nt at Discover.com or
11 • nwn w~w~w••wn I1 nnn n i nn1
m2009 Discover Qonk, Member FpIC
I~IJ~.~~.~~~ Y CK $8,164.35 L$162.00
~ Enter Amount Enclosed Below
_!
Payment Due Date
January 11, 2008 Please make check payable to Discover Card or
', pay online ~ Discovercard.com.
12 SDSN6A010012989
STONE, HEATHER R Go paperless and make your account
Information more secure wrath password-
9 WESTWOOD CT protected statements only you can access.
ENOLA PA 17025-1508 learn more at discover.comlpaperless.
PO BOX 71084 Ill~nllu~n~llul~ll~nll
CHARLOTTE NC 28272-1084
Address, email or telephone change8 PrintIchange in space ~~~~~~'~~~~~~~~,~„~)~~~~~~~~1114~~i~~~~~~)~~I'~~~~~)~~)~~~~'~
above, or go to Discover.com. Print your eimail address to
receive important Account information and special offers.
000001986618092438]I13081643500000000016200
'Discover Open road Card Account Summary
Closing Date: December 12, 2007 page 1 of 2
,Account number ending in 4766 ', Previous Balance $8,038.18
Payment Due Date January 11, 2`]08 Payments And Credits - 159.00
Minimum Payment Due $162.00 I Purchases + 199.11
Credit Limit $8,250.00 ', Cash Advances + 0.00
Credit Available $85.00 Balance Transfers + 0.00
Cash Credit Limit $4,000.00 Finance Charges + 86.06
'Cash Credit Available $SS.00 New Balance $8,164.35
You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
Ca5116QCIC BOIIUS® Opening Cashback Bonus Balance $ 15.89
New Cashback Bonus This Period + 5.35
Cashback Bonus Balance $ 21.24
ICashback Bonuses Since Anniversary Month
',April: $54.53'
CONGRATULATIONSI Your Cashback
Bonus(R) is waiting For you. Visit
Discovercard.com or call 1-800-DISCOVER'
(1-800-347-2683) to get your share of
.America's #1 Cash Rewords Program.
How Can We Hel You? ',
p 1 • Visit Discover.com ro pay your bdl for no cost, view your
l
t A
i
ti
d
d
d
d
f
It's your choice - 3 ways to help ates
ccount
n
orma
on, earn an
eem rewar
s an
more
re
2. Calf 1-800-DISCOVER (347-2683) For Fast, easy self-service
Please have your Discover Card available. ' options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence.
Trans. Pos
Date Da
.Payments and Cnsdits Nov 30 No~ 30 PHONE PAYMENT -THANK YOU $ -159.00
dise Retail
d b WAL-MART SC - #1591 HARRISBURG (EPA 25.09
~~ ~
Dec 3 De
3 SAMS CLUB - #8175 HARRISBURG PA 40.00
Dec 7 Ded 7 GIANT FUEL #263 ENOIA PA 65.00
010018
'Services Dec 7 Dec' 7 TWX*AOL SERVICE 1207 800.827.6364 NY 25.90
MC60132767429610
Supermarkets Dec 7 Dec 7 GIANT FOOD #263 ENOLA PA 15.09
010045
Warehouae Clubs Dec 3 Dec 3 SAMS CLUB - #8175 HARRISBURG PA 28.03
'Information For You
'.For this holiday season, give a Discover(R) G ft Card and let them choose something that's just right. Discover Gift Cards are
;now available at many retail locations. Visit iscovergikcard.com/shop to Find a retail location near you. To purthose your
'Discover Gik Card online, visit Discovergiftc rd.com
iVI~C,"~'V tK
Account number ending in 4766
~DISCVER'_.~
Get added security wi no paper trail
Make your account information m re secure with
password-protected statements the only you can access.
• Access up to 24 months of do nloadable,
printable statements.
• See your statement as soon as lit's available
rather than wait for it to arrive in your mailbox.
• Get helpful payment reminders through e-mail
or text messages on your mobi a phone.
• Print a paper copy of your scat ment anytime.
Closing Dab: December 12, 2007 page 2 of 2
I
Finance Charge Summary
Average Nominal
Daily ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily
a a c s Periodic PERCENTAGE
Rates RATES PERCENTAGE
RATES FINANCE
CHARGES FINANCE
CHARGES
current billing period: 30 days
Purchases $8060.54 0.035599'• 12.999'• F 12.999'• $86.06 $0
Cash Advances $0 0.062999'• 22.9990 f 22.999'• $0 $0
The rates that apply to your Account are eith fixed (f) or they may vary (V) as noted above.
QUeStlonS? Manage your acco nt at Diswver.com or
®2009 Discover Bank, Member FDIC
LJIJ`.`~~~VCK $8,112.61 $161.00_ Enter Amount Enclosed Below
12 SDSN6A01 0012990
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your a-mail address to
receive important Account information and special offers.
Payment Due Date ~ I
February 11, 2008 please make check payable to Discover Card or
pay online ~ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.corrVpaperless.
PO BOX 71084 ~~~ur~~~nu~~~n~~~~ur~~
CHARLOTTE NC 28272-1084
000001986618092438113081126100000000016100
'Discover Open Road Card Account Summary
Closing Date: January 12, 2008
;Account number ending in 4766
'Payment Due Date
;Minimum Payment Due
;Credit Limit
':Credit Available
Cash Credit Limit
Cash Credit Available
February 1 1, 2008
$161.00
$8,250.00
$137.00
$4,000.00
$137.00
page 1 of 2
Previous Balance $8,164.35
Payments And Credits - 238.52
Purchases + 97.33
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 89 45
New Balance = $8,112.61
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus® Opening Cashback Bonus Balance $ 21.24
New Cashback Bonus This Period + 0.31
Redeemed This Period - 20.00
Cashback Bonvs® Since Anniversary IGlonth Cashback-Bonus Balance - - - - - -$ - 1.55
April: $54.84
Keep using your Discover(R) Card and watch
,your Cashback Bonus(R) growl
'How Can We Hel You?
p 1 • Visit Diuoveecom to pay your bill for no coat, view our
lat
t A
t i
f
s
It's your choice - 3 ways to help es
ccoun
n
ormation, earn and redeem reward
and more
2. Call 1-800-DISCOVER (347.2683) for Fast
eas
selFservice
Please have your Discover Card available. ,
y
options or to speak with a Customer Service Account Manager
For TDD (assistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
TranSaCtIOI1S $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Oats Da1s
'Payments and Crodits Dec 22 De¢ 22 PHONE PAYMENT -THANK YOU $ -200.00
Jan 10 Jan 11 BLOCKBUSTER VIDEO #90765 ENOLA PA -6
08
Jan 10 Jan 11 .
BLOCKBUSTER VIDEO #90765 ENOLA PA -12.44
'.Award and Rebate Crodits Dec 23 Dec 23 REWARD REDEMPTION CREDIT -20.00
Merchandise/Retail Jan 8 Jan 8 BLOCKBUSTER VIDEO #90765 ENOLA RA 21.18
Services Jan 7 Jan 7 TWX*AOL SERVICE 0108 800.827.6364 NY 25.90
M160132767429610
;Supermarkets Dec 18 De 18 GIANT FOOD #263 ENOIA PA 18.17
010012
Warohouss dubs Dec 11 De 13 SAMS CLUB - #8175 HARRISBURG PA 32.08
Wish you could sort these purchases by amount, description or category? You can - register at Diacovercard.com to view
..............~....... ,,.,i;.,,, ... t... G....i. ,.. i o _,.a.~.. i....._ ,.....,...• n,.,......,.,.,,..t ...,.,. i..........,.
VIJC. ~~:~>'V tK
r~r- Y Account number ending in 4766
Get added security wi no paper trail
Make your account information m re secure with
password-protected statements tha only you can access.
• Access up to 24 months of do nloadable,
printable statements.
• See your statement as soon as it's available
rather than woit For it to arrive'in your mailbox.
• Get helpful payment reminders through a-mail
or text messages on your mobi a phone.
• Print a paper copy of your scat ment anytime.
Sign up today at
Discovercom/paperless
1Q2004 Diuover (Sank, Member FDIC
Closing Date: January 12, 2008 page 2 of 2
current billing period: 31 days
Finance Charge Summary
Average
Daily Nominal Transaction
ANNUAL ANNUAL Periodic fee
Daily
8a nc Periodic
Bates PERCENTAGE PERCENTAGE FINANCE FINANCE
RATES RATES CHARGES CHARGES
Purchases $8106.81 0.03559% 12.99% F 12.99%
Cash Advances $0 0.062993e 22.99`Ye F 22.993e
The rates that apply to your Account are eithe fixed IF) or they may vary (V) as noted above.
QUeStIOnS? Manage your acco nt at Discover.com or
$89.45 $0
$0 $0
VIJt.'~~~"V CK
$5,181.T41 ~ $162.00 ~ Enter Amount Enclosed Below
', Payment Dve Date $ ~-~
March 11, 2008 Please make check payable to Discover Card or
pay online ~ Discovercard.com.
12 SDSN6A01 0012991
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508 i
'~ PO BOX 71084 ~~~ns~~nnu ~~u~i~~u~~~
CHARLOTTE NC 28272-1084
Address, e-mail or tale hone chan e~ Prin
p g change in space
above, or go to Discover.com. Print your mail address to ~u~~~~n~m~i~~n~~n~i~n~~~~~n~~n~u~u~~ n~u~n~~~n~~
receive important Account information and, special offers.
OOODD1986618092438~13081813 100000000016200
- --
' Discover Open Road Card Account Summary
', Closing Date: February 12, 2008 page t of 1
.Account number ending in 4766 Previous Balance $8,112.61
~Paymenf Due Date March 11, 208 Payments And Credits - 200.00
Minimum Payment Due $162.00 ', Purchases + 177.76
Credit Limit $8,250.00 Cash Advances + 0.00
'Credit Available $68.00 ' Balance Transfers + 0.00
'Cash Credit Limit $4,000.00 '
~ Finance Charges + 90.94
!Cash Credit Available $68.00
! New Balance $8,181.31
Yov may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus'
Cashbdck BonustID Since Anniversary Month
April: $58.6
Keep using your Discover(R) Card and wat~l
;your Cashback Bonus(R) growl
,How Can We Help You?~
It's your choice - 3 ways to h Ip
Please have your Discover Card available.
For TDD (assistance for hearing impaired) reverse side
.Transactions
:.Payments and Crodita
;Merchandise/Reta~
Gasoline
Warohouse dubs
Go paperless and make your account
information more secure wdh password-
protected statements only you can access.
Learn more at discover.comlpaperless.
Opening Cashback Bonus Balance
New Cashback Bonus This Period
Cashback Bonus Balance
_.
$ 1.55
+ 3.78
$ 5.33
1. Visit Discover.com to pay your bill for no cost, view our
latest Account information, earn and redeem rewards and more
2. Call 1-800.DISCOVER (347-2683) for fast, easy selFservice
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
Salt lake City, UT 84130
$0 Fraud Li ability Guarantee Use your Discover Card with confidence.
Trans. P t
Date D to
Feb 2 Fe 2 PHONE PAYMENT -THANK YOU $ -200.00
Feb 7 Fe 7 TWX*AOL SERVICE 0208 800.827-6364 NY 25.90
M260132767429610
Jan 1 1 Ja~ 13 SAMS CLUB - #8175 HARRISBURG PA 69.37
Jan 11 Ja 13 SAIvfS CLUB - #8175 HARRfSBURG_PA _ 82.49 -
',Finance Charge
Average
Daily
Balances
.current billing.period: 31 days
Purchases $8242.66
Cash Advances $p
The rates that apply to your Account are eit
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.03559`Yo 12.99% F 12.99% $90.94 $0
0.06299% 22.9990 F 22.999'0 $0 $0
fixed (F) or they may vary (V) as noted above.
I,IJC.~,~?V~K ~sa,o9l.ia--
12 S~SN6A010012992
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
$16L00 _ __ ~ Enter Amount Enclosed Below
Payment Due Date
April 11, 2008 please make check payable to Dixover Card or
pay online (tl? Diseovercard.eom.
Address, e-mail or telephone changer Print change in space
above, or go to Discover.com. Print your e-rrjail address to
receive important Account information and special offers.
Closing Date: March 12, 2008 page t of 1
000001986618D924381130809113D0200000016100
'Discover Open Road Card Account Summary
Account number ending in 4766
Payment Due Date April 1 1, 2008
Minimum Payment Due $161.00
Credit Limit $8,250.00
Credit Available $158.00
Cash Credit Limit $4,000.00
Cash Credit Available $158.00
Go papedess and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.com/paperless.
PO BOX 71084 III~~~~I~~~~~~II~~I~II~~~II
CHARLDTTE NC 28272-1084
~n~~~~n~ui~~~~n~~u~~~ui~~~~n~~n~u~n~~n~u~n~~~n~~
Previous Balance $8,1 B 1,31
Payments And Credits - 200,00
Purchases + 25.90
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 83.92
New Balance = $8,091.13
You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.33
New Cashback Bonus This Period + Q.12
Cashback Bonus Balance $ 5.45
i CasFibackBonus~ Since Anniversary Monih - - -
'April: $58.74
Keep using your Dixover(R) Card and watch
your Cashback Bonus(R) growl
How Can We Hel You? '
I~ 1 • Visit D'ucover.com to pay your bRl kr 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 hearin im fired se reverse side 3. Write us at Dixover Card, PO Box 30943,
( g p° ) ~ Sak Lake City, UT 84130
'Transactions $0 Fraud Lia~llfty Guarantee Use your Discover Card with confidence.
Trans. Posh
Dais Data
.Patansatsapd .Gadit: Feb 28 Feb X28 P~YMEN7 - 7.HANK YCtU $ .20AA0
Msrchandiss/Rstai Mar 7 Man 7 TWX*AOL SERVICE 0308 800-827-6364 NY 25.90
M360132767429610
Information For You
* *REMINDER** The Payment Due Date for our Account will be changing beginning with the statement you receive in May
2008. The new date will be printed at the to of the remittance coupon. You will continue to receive at least 25 days from
the last day of your previous billing period u til your payment is due.
Finance Charge Summa
Average
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily Periodic RERCENTAGE PERCENTAGE FINANCE FIN~G S
a es Ratgs RATES RATES CHARGES
current billing period: 29 days
Purchases $8130.79 0.03559% 12.9990 F 12.995'0 $83.92 $0
Cash Advances $0 0.062995'0 22.9950 F 22.99% $0 $0
The rates that apply to your Account ore either fixed (F) or they may vary (V) as noted above.
I
vw~.~®::~ v c~c
$164.00 Enter Amount Enclosed Below
Payment Due Date $ ~-~
May 11, 2008 please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$49.19.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.com/paperless.
$8,299.19
12 SDSN6A01 0012993
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Iii PO BOX 71084 ~~~~~~~~~~~~~~~~~~~~~~~~~~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ Print change in space I~~I~I'~rl~~~l~l'~~Ili~l~l~i~ll"111Ir~1'~I~~I~~II11I~~I'I'~II
above, or go to Discover.com. Print your mail address to
receive important Account information and special offers.
000001986618092438]y13082991900170000016400
`Discover Open Road Card Account Summary
Closing Dats: April 12, 2008 page 1 of 2
',Account number ending in 4766 Previous Balance $8
091.13
LPayment Due Date May 1 1, 20013 Payments And Credits ,
- 242.84
!Minimum Payment Due $164.00 Purchases + 361
27
;Credit Limit $8,250.00 ' Cash Advances .
+ 0.00
(Credit Available $0.00 ', Balance Transfers + 0
00
(Cash Credit Limit $4,000.00 Finance Charges .
+ 89 63
Cash Credit Available $0.00 New Balance $8,299.19
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CgshbClCk B011U5® Opening Cashback Bonus Balance $ 5.45
New Cashback Bonus This Period + 0.80
Cashback Bonus Balance $ 6.25
Cashback'Bonus®S1nce Anniversary Montlh - -
April: $59.54'
Keep using your Discover(R) Card and watdh
your Cashback Bonus(R) growl
How Can We Hel You? I, 1 • Visit Diseevencom to pay your bbl for no cost, view our
p latest Account information, cam and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-BOaDISCOVER (347.2683) For Fast, easyself-service
Please have your Discover Card available. ', options or to speak with a Customer Service Account Manager
For TDD (assistance For hearing impaired) s e reverse side 3. Write us aF Discover Card, PO Box 30943,
~ Salt Lake City, UT 84130
TI'anSactlonS $0 Fraud u bflfty Guarantee Use your Discover Card with confidence.
Trans. Po t
Dab Da
~.syments arsd •Gadits Mar.2b _Ml ¢ r 2b P,~.YMEN7 - 7.HANK YOU $ .J 70A0
Apr b Ap r 9 SAMS CLUB - #8175 HARRISBURG PA -72.84
Merchandise/Retail Apr 3 Ap p 3 WAL-MART SC - #1591 HARRISBURG (EPA 68
88
Apr 7 Ap ,
r 7 TWX*AOL SERVICE 0408 800-827-6364 NY 25.90
____._
-
-- ____M460132767429610
___..._._ _
/
P
P
C+ihsr Miscellaneous A r 12 Ai ...____._..
r 12 OVERLIMIT FEE 39.00
Warohouss Clubs Apr 3 Ap h 3 SAMS CLUB - #8175 HARRISBURG PA 72.84
Apr 3 Ap 3 SAMS CLUB - #8175 HARRISBURG PA 1 13.41
Apr 3 Ap 3 SAMS CLUB - #8175 HARRISBURG PA 7.60
Apr b Ap b SAMS CLUB - #8175 HARRISBURG PA 33.64
!Information For You
Look for a change to your Payment Due Dat next month. Remember we offer several payment options such as electronic
payments through our Account Center at Dis overcard.com and pay-by-phone at 1-800-DISCOVER (1-800-347-2683).
Why not separate business expenses from p rsonal expenses with the Discover(R) Business Card. You'll gef $60 extra
Cashback(R) Bonus -just use your card one a month for the first b months and earn an extra $10 Cashback Bonus each
month. Learn more at Business.Discovercar .cam -apply there or call 1-888-204-8873, mention source code ZABD.
'Visit,the Discover Insura~nIce Center to find h
MICR }hR KfIf1WIR~f7R RI IIItIRf }A rR(1/t Wtl/1} }hR
ty protection for your Family, home and auto. Request a quote online or
env nhnu} nnnnlnr inenrnn~R nnwe}inne Viei}
L~BJC,VtK
r~r~ V Account number ending in 4766
I__1?_15~Y~B._J
Get added security wi no paper trail
Make your account information m re secure with
password-protected statements tha only you can access.
• Access up to 24 months of do nloadable,
printable statements.
• See your statement as soon as it's available
rather thou wait for it to arrive, in your mailbox.
• Get helpful payment reminder through e-mail
or text messages on your mob~le phone.
• Print a paper copy of your sta~ement anytime.
i Closing Date: April 12, 2008 page 2 of 2
Through generous Cardmembers like you, D scover(R) Card has donated almost $16 million to the Make-A-Wish
Foundation(R). Consider contributing your ashbeck Bonus(R) to the Mako-A-Wish Foundation to help make a child's dream
come true. To Further your donation, Discov r will add an additional 20%. Visit Discovereard.com or Wish.org
'Finance Charge
Average
Daily
also es
current billing period: 31 days
Purchases $8123.57
Cash Advances $p
The rates that apply to your Account are eithe
QU@StIOnS? Manage your acco
Nominal Transaction
Daily ANNUAL ANNUAL periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.035599e 12.99% F 12.999'0 $89.63 $0
0.06299% 22.99% F 22.999'0 $0 $0
fixed (F) or they may vary (V) as noted above.
nt at Discover.com or
®2009 Diacovar Bank, Member FDIC
V~„r~`~a~'VCK $8,213.'7 j $163.00 J Enter Amount Enclosed Below
Payment Due Date $ ~-
', June 7, 2008 Please make check payable to Discover Card or
', pay online @ Discovercard.com.
12 SDSN6A01b012994
STONE, HEATHER R Gopaperlessandmakeyouraccount
9 WESTWOOD CT information more secure with password-
protected statements only you can access.
ENOLA PA 17025-1508 Learn more at discovercom/paperless.
PO BOX 71084 Illrulln~u~llr~lrllnrll
i CHARLOTTE NC 282 72-1084
Address, e-mail or telephone change0 Print change in space
above, or go to Discover.com. Print your mail address to ~~~~rl~ii~~~~~~~~iii~i~~r~~ir~~~ ~i~i~~~~ri~~i~~~i~~r~i~~i~i~~l
receive important Account information and special offers.
000001986618092438]13082133 700200000016300
' Discover Open Road Card Account Summary
', Closing Date: May 12, 2008 page 1 of 1
(Account number ending in 4766 Previous Balance $g,2g9,1 q
;Payment Due Date June 7, 2008 Al Payments And Credits - 200.00
i
Minimum Payment Due $163.00 Purchases + 25.90
Credit Limit $8,250.00 Cash Advances + 0.00
Credit Available $36.00 ', Balance Transfers + 0.00
Cash Credit Limit $4,000.00 Finance Charges + 88,28
Cash Credit Available $36.00 New Balance ffi $8,213.37
You may be oble to avoid Periodic Finance Charges, see the
', reverse side for details.
Cashback Bonus® ~, Opening Cashback Bonus Balance $ 6.25
', New Cashback Bonus This Period + 0.06
Cashback Bonus Balance $ 6.31
Cashback Bonus® Anniversary ',
Month: April
Keep usingg your Discover(R) Card and wot~h
C hba k B
,your as c onus(R) growl
I
How Can We Hel YOU?
!~ 1 • Visit Discowr.com to pay your bill for no cost, view ur
latest Account information
earn and redeem rewardsoand m
lt's your choice - 3 ways to h ,
Ip 2. Call 1-80o•DISCOVER (347.2683) for Fast, easy selFservice
Please have your Discover Card available. i options or to speak with a Customer Service Accovnt Manage
For TDD (assistance for hearing impaired) s ae reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
!Transactions $0 Fraud li ability Guarantee Use your Discover Card with confidence.
D~
n
s• U st
at
s ~
;Payments and Credits May 1 M iy 1 PAYMENT -THANK YOU $ .200,00
'Merchandias/Retail May ? M py 7 TWX*AOl SERVICE 0508 800-827-6364 NY 25.90
M560132767424610
Information For You ~ _ . -
* * ATTENTION * * Please note that your P¢ ~yment Due Date has changed. Please pay the Minimum Payment Due by this
date to avoid a late Fee.
Finance Charge Summa
Average
Daily Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $8267.18 0.0355990 12.99% F 12.9990
$88.28 $0
Cash Advances $0 0.06299% 22.9990 F 22.999'0 $0 $0
The rates that apply to your Account are eit er Fixed (F) or they may vary (V) as noted above.
ore
V~~~.~..;VtK $8,159.71,....
12 SDSN6A010012995
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
,,,,,,,,,,,,,,, ,,,~,.,,..,. ~.... , ....,.,,,,., ...,....,............y .,. ~.....
$162.00 _~ Enter Amount Enclosed Below
Payment Due Date $ ~--~
July 7, 2008 Please make check payable to Discover Card or
pay online ~ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.cortUpaperless.
PO BOX 71084 Illn~llu~n~ll~~l~ll~nll
CHARLOTTE NC 28272-1084
Address, a-mail or telephone changed Print hangs in space I~~~~I~~~I~~~I~I~~~~~~~I~~~~~Illli~il~il~~~~ill~~liili~l~l~~ll
above, or go to Discover.com. Print your a-nail address to
receive important Account information and ~pecial offers.
00000198661809243811L308159710D000000016200
Discover Open Road Carl Account Summary
Closing Date: June 12, 2008 page 1 of 1
Account number ending in 4766 Previous Balance $8,213.37
Payment Due Date
~ July 7, 2008 '' Payments And Credits 17p,00
Minimum Payment Due $162.00 ', Purchases + 25.90
Credit Limit $8,250.00 Cash Advances + 0.00
Credit Available $90.00 Balance Transfers + 0.00
Cash Credit Limit $4,000.00 Finance Charges + 90.44
Cash Credit Available $90.00 New Balance $8,159.71
You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
COSI16pCIC BOnUSe I Opening Cashback Bonus Balance $ 6.31
New Cashback Bonus This Period + 0.06
' ', Cashback Bonus Balance $ 6.37
Cashback Bonus® Anniversary ',
'Month: April
Keep using your Discover(R) Card and watcfl
your Cashback Bonus(R) growl
How Can We Hel You? '
P 1. visit Diacoveneom to pay your bNl for no cost, view ovr
latest Account information, earn and redeem rewards and more
'It's your choice - 3 ways to h~ lp 2. Call 1-800•DISCOVER (347.2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance For hearing impaired) se s reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence.
Trans. Po
Date Da
,Payments and Crodits Jun 1 Jun ~, 1 PHONE PAYMENT -THANK YOU $ -170.00
Merchandise/RetaR Jun 7 .Jun !i 7 TWX*AOL SERVICE 0608 800.827-6364 NY 25.90
M660132767429610
Finance Charge Summal
Average
Daily
al n es
current billing period: 31 days
Purchases $S 196.45
'.Cash Advances $0
The rates that apply to your Aeeount are ei
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fea
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.035593a 12.99~o f 12.99go $90.44 $0
0.062999'0 22.9930 F 22.995e $0 $0
fixed (F) or they may vary N) as noted above.
VIJ~.`'V CK $6,185.9
I'
12 SDSN6A010012996 III
$123.00 ~ Enter Amount Enclosed Below
Payment Due Date $ ~--~
August 7, 2008 please make check payable to Discover Card or
pay online @ Discovercard.com.
STONE, HEATHER R Go paperless and make your account
9 WESTWOOD CT Information more secure with password-.
protected statements only you can access.
ENOLA PA 17025-1508 Learn more at discover.corNpaperless.
PO BOX 71084 ~~~~~~~~~~~~r~~~~~~~~~rr~~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ Print
above, or go to Discover.com. Print your change in space ~~~I~II~~I~~~'~II~~~I~~I~'~~~I~Il~i~l~~l~~'~~~I~~'~~'~~I1'{III
mail address to
receive important Account information and special ofFers.
OOD0019866180924387
I 13061858900000000012300
,
''Discover Open Road Ca
d Account Summary
'I Closing Date: July 12, 2008 page t of 2
:Account number ending in 4766 ~ Previous Balance $8,159.71
Payment Due Date August 7, 20 8 Payments And Credits - 2,235.00
Minimum Payment Due $123.00 I Purchases + 177.54
;Credit limit $8,250.00 ', Cash Advances + 0.00
(Credit Available $2,064.00 I Balance Transfers + 0.00
(Cash Credit Limit $4,000.00 'I Finance Charges + 83.64
Cash Credit Available $2,064.00 II New Balance = $6,185.89
II You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus® ~ o
pnning Cashback Bonus Balance $ 6.37
II New Cashback Bonus This Period + 0.34
', Cashback Bonus Balance $ 6,71
Cashback Bonus® Anniversary I
Month: April
;Keep using your Discover(R) Card and wat~
h h
your Cas
back Bonus(R) growl
How Can We Hel You?
P 1 • Visit Diseover.cem to pay your bl~l for no cost, view ur
latest Accaunt inFormatian, cam and redeem reward~°and ma
It's your choice - 3 ways to ~p 2. Call 1-800-DISCOVER (347-2683) for Fast
easy selFservice
Please have your Discover Card available. I ,
options or to speak with a Customer Service Account Manage
For TDD assistance for hearin
( g impaired) 3. Write us at Discover Card, F'O Box 30943,
a reverse side Salt Lake City, UT 84130
Transactions $0 Fraud L ability Guarantee Use your Discover Card with confidence.
Trans. P at
Dais D ie
;Payments and Crodits Jul 1 Ju 1 PHONE PAYMENT -THANK YOU $ -2,200.00
Jul 7 Ju 1 RETURNED PHONE PAYMENT 2 Y00,00
Jul 7 Ju 7 REPRESENTED PHONE PAYMENT -THANK YOU -2,200.00
Jul 10 Jul 7 REVERSE RETURNED PAYMENT CHECK CHARGE -35.00
Merchgndise/Retail Jun 1.2_ Ju 13_ TARGET HARRISBURG PA 23.46
Jvl b jul b WAL-MART SC - #1591 HARRISBURG (EPA 19.10
Jul 7 Jul 7 TWX*AOl SERVICE 0708 800-827.6364 NY 25.90
M760132767429610
Jul 7 Jul 7 RITE AID LEMOYNE PA 6.51
Other/Miscellaneous Jvl 7 Jul 7 FEE FOR RETURNED ACH PAYMENT 35.00
Services Jul 8 Jul 8 PORTRAIT INNOVATIONS 78 HARRISBURG PA 10.55
Warohouse dubs Jul b Jul b SAMS CLUB - #8175 HARRISBURG PA 29.14
;Department Storo Jun 12 Ju 13 JCPENNEY STORE 2878 HARRISBURG PA 27.88
'.Information For You
Earn 5%Cashback Bonus(R) at JCPenney hen you make your purchases online through ShopDiscover and use your
Discover(R) Cardl Get 5% to 2090 Cashba k Bonus every day when you shop at over 100 top online retailers through
ShopDiscover. Jusf visit Discovercard.com hop today!
Wish you could sort these purchases by am unt, description or category6 You can -
egi
er at Discovercard.com to view
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'IJ~.`u''Y CIC ~ ~~C ~R, ~ Account number ending in 4766
Get added security wit
Make your account information m no paper trail -~ R-~ ~,
re secure with ~'
password-protected statements tho only you can access.
• Access up to 24 months of do
printable srarementa. Si n u Coda at
nloadable, g P Y
Discovercom/paperless
• See your statement os soon as
rather than wait for it to arrive iYs available
in your mailbox.
• Get helpful payment reminder
or text messages on your mobi
Print a a er co of our scat
P P PY Y
', through e-mail
a phone. -._;
ment anytime, _ _ _,.
®2009 Dixover bank, Member FDIC
I
I
I
ICI
losing Date: July 12, 2008 page 2 of 2
!Finance Charge Summary
Average
Daily
Balances
current billing period: 30 days
Purchases $7832.69
Cash Advances $0
The rates that apply to your Account are eitl
QUeStloflS? Manage your acct
11 , nnn n~ni+w~n ii nnn n i-r
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINCHII~RGES
Rates RATES RATES CHARGES
0.035599'0 12.99% F 12.99% $83.64 $0
0.06299% 22.999e F 22.99% $0 $0
fixed IF) or they may vary (V) as noted above.
nt at Discover.com or
. „.,~
V~J~.`~:-'V CK $8,194.95
12 SDSN6A01 0012997
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
$163.00 ~ Enter Amount Enclosed Below
Payment Due Date ~ ~-
Seplember 7, 2008 please make check payable to Discover Card or
pay online @ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.cotnlpaperless.
PO BOX 71084 ~~~r~~~~nnn ~~n~i~~n~~~
CHARLOTTE NC 28272-1084
Address, email or telephone changed Prin
above, or go to Discover.com. Print your change in space
mail address to I~~~~I(~~~~~~I~II~~~~~~(~I~~~IIII~~~'~~I~~I~~II ~~I~~I~~(~I~~~I
receive important Account information and special offers.
OD0001986618092438]~ 13081949 50000000D016300
--- ',
~' Discover Open Road Card Account Summary
', Closing Date: August 12, 2008 page 1 of 1
'Account number ending in 4766 Previous Balance $6
185.89
Payment Due Date September 7, 12008 Payments And Credits - ,
123.00
IMinimumPaymentDue $163.00 ', Purchases + 2
041.96
'Credit Limit $8,250.00 Cash Advances + ,
0
00
Credit Available $55.00
- Balance Transfers + .
0
00
Cash Credit Limit $4,000.00 Finance Charges + .
90 10
Cash Credit Available $55.00 ', New Balance = $8,194.95
', You may be able to avoid Periodic Finance Charges, see the
' reverse side For details.
CaShbQtk BcnuS® ', Opening Cashback Bonus Balance $ 6.71
New Cashback Bonus This Period + 1.29
Cashback Bonus Balance $ g,00
Cashback Bonus® Anniversary
Month: April
;Keep using your Discover(R) Card and wet~h
',your Cashback Bonus(R) growl
How Can We Hel YOU? it 1 • Visit D'uwver.com to pay your bill for no cost, view our
p latest Account information, earn and redeem rewards and more
~t'S your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) for Fast, easy selfservice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD assistance for hearin 3. Write us at Discover Card, PO Box 30943,
( g impaired) s e reverse side Salt Lake City, UT 84130
ITranSCCt10t1S $0 Fraud Li bFlFty Guarantee Use your Discover Card with confidence.
Trans. P~o~t
Date ~re
Paymenh and Crodits Aug 3 Aug 3 PHONE PAYMENT -THANK YOU $ -123.00
'Merchandise/RstaJ Jul 10 Jul 13 KMART ENOLA PA 7 42
Jul 10 Jul13 KMART ENOLA PA 9.50
C+ther/Miscellaneous Jul 14 Jull'14 ACH FUNDS TRANSFER REVERSAL 2,000.00
;Gasolind Jul 10 Jul13 SHEETZ 00003749498 HARRISBURG PA 25.04"
III
Finance Charge Summa
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $8166.97 0.035599e 12.9990 F 12.99% $90.10 $0
;Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above.
UISC:'~ VtK
Ss, i i2.a
12 SDSN6A010012998
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Account number ending m
P 4766 I Previous Balance $8,194.95
ayment Due Date Cktober 7, 200 8 Payments And Credits - 163
00
Minimum Payment Due $162.00 Purchases .
+ 50
10
Credit Limit $8,250.00 I Cash Advances .
+ 0
00
Credit Available $77.00 ' Balance Transfers .
+ 0.00
Cash Credit Limit $4,000.00 ' Finance Charges + 90 82
Cash Credit Available $77.00 ' New Balance $8,172,87
You may be able to avoid Periodic Finance Charges, see the
', reverse side for details.
$162.00 I Enter Amount Enclosed Below
Payment Due Date.-
Cktober 7, 2008 please make check payable to Discover Card or
pay online ~ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.com/paperless.
PO BOX 71084 ~~~rn~~unn~~u~r~~nr~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change8 Print hangs in space I~~I~'I~~I~~~~~II~~~'~~I~I~~~'I~Ir~~I~~l'~I~~I~~~I„'11I~'11II
above, or go to Discover.com. Print your e- ail address to
receive important Account information ands ecial offers.
0000019866180924381,3081728700000DOOD16200
Discover Open Road Carl Account Summary
i Closing Dote: September 12, 2008 page 1 of 1
CCSII6QCIC Bunus® ~, Opening Cashback Bonus Balance $ 8.00
New Cashback Bonus This Period + 0,12
Cashback Bonus Balance $ 8,12
Cashback Bonus® Anniversary ',
'Month: April
Keep using your Discover(R) Card and watch
our Cashback Bo
(R
l
y
nus
) grow
HOVV Can We Hel YOU?
p 1 • Visit Dixovsr.com to pay your bill for no cost, view our
latest Account information
earn and redeem re
ds
d
~t'S your choice - 3 ways to he ,
war
an
more
~p 2. Call 1-800-DISCOVER (347-2683) for Fast
easy self-service
Please have your Discover Card available. ,
options or to speak with a Customer Service Account Manager
For TDD (assistance For hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Lie I(Ity Guarantee Use your Discover Card with confidence.
Trans. Post
' Date Data
Payments and Crodits Sep 4 Sep l~ 4 PHONE PAYMENT -THANK YOU $ -163.00
Msrchandias/Retail Aug 21 Aug~ 21 BLOCKBUSTER VIDEO #90765 ENOLA PA 21.19
Warehouse dubs Aug 17 Aug
i
III 17 SAMS CLUB - #8175 HARRISBURG PA 28.91
Finance Charge Summary
Average
Dail Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
P
i
d
PERCENTA
y
Balances er
o
ic
GE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $8232.53
Cash Advances $0 0.03559% 12.9990 F 12.999'0 $90.82 $0
0
0
'
'
.
62999
0 22.999
e F 22.999'e $0 $0
The rates that apply to your Account are eithe fixed (F) or they may vary (V) as noted above.
VIJt.`~r'V CK
$8,17,
12 SDSN6A010012999
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Address, a-mail or telephone change2 Prin change in space
above, or go to Discover.com. Print your mail address to
receive important Account information and special ofFers.
000001986618092438713081740400200000021700
!Discover Open Road Ca
',Account number ending in 4766
IPayment Due Date November 7,
(Minimum Payment Due $217.00
.Credit limit $8,250.00
Credit Available $75.00
Cash Credit limit $4,000.00
,Cash Credit Available $75.00
Account Summary
$217.00 ~ Enter Amount Enclosed Below
Payment Due-Date -~
November 7, 2008 Pleose make check payable to Discover Card or
pay online ~ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.com/paperless.
PO BOX 71084 I~~~r~l~~~~~i~llrr~~~~rrr~~
CHARLOTTE NC 28272-1084
~n~i~~u~m~i~~n~~n~i~ni~~~~m~n~~~~n~~n~n~n~i~n~~
Closing Date: October 12, 2008 page 1 of 1
Previous Balance $g 174.87
IS Payments And Credits - 200.00
Purchases + 39.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 162.17
New Balance $8,174.04
You may be able to avoid Periodic finance Charges, seethe
reverse side for details.
Cashback Bonus®
Cashback Bonus® Anniversary
'Month: April
;Keep using your Discover(R) Card and
',your Cashback Bonus(R) growl
Opening Cashback Bonus Balance $ 8.12
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 8,12
':How Can We Hel You? I 1 • Visit Discover.cam to pay your bJl for no cost, view ur
p latest Account information, earn and redeem rewardsoand more
It's your choice - 3 ways to h Ip 2. CaN 1.800.DISCOVER (347.2683) For fast, easy selFservice
Please have your Discover Card available, options or to speak with a Customer Service Account Manager
For TDD assistance For hearin m aired s e reverse side 3. Write us at Discover Card, PO Box 30943,
( g ~ p ) Salt lake City, UT 84130
'.Transactions $0 Fraud
Trans.
Dale
;Payments and Crodits Oct 9
ICtthsr/Miscellaneous Oct B
,Finance Charge Summa
Guarantee Use your Discover Card with confidence.
9 PAYMENT-THANK YOU
8 LATE FEE
$ -200.00
39.00
Average
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
a ces Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $8224.54 0.065739e 23.99% F 23.99% $162
17 $0
Cash Advances $0 0.071215'0 25.99°Yo F 25.99% .
$0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above
Need CashB Whether it's for an uni
bill, an emergency car repair or your kids' school activities, Discover(R) Card
UISC,€w.~~V tK ss;i 19.2-"
12 SDSN6A01 0013000
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
$178.00 ~ Enter Amount Enclosed Below
Payment Due Date
December 7, 2008 please make check payable to Discover Card or
pay online ~ Discovercard.com.
Go paperless and make your account
information more secure with password-
Protected statements only you can access.
Learn more at discover.coMpaperless.
~I PO BOX 71084 Ilin~llnnn llnl~lln~ll
Address
e-mail or telephone change@ Print
hangs in space CHARLOTTE NC 28272-1084
,
above, or go to Dixover.com. Print your e-
ail address to I III I III ' I I I III (' I I (
"' " "' ' "' "' "' "' " " " I I I I II
" " "' "
receive important Account information and
i pscial offers.
OOOOD19866180924381~3081192
~ 200000D0001?800
i
Discover Open Road Car~J Account Summary ._.._
', Closing Date: November 12, 2008 page 1 of 1
Account number ending in 4766 Previous Balance $8,174.04
Payment Due Date December 7, 2~J08 Payments And Gedits 217,00
Minimum Payment Due $178.00 Purchases + 0.00
Credit Limit $8,250.00 ', Cash Advances + 0.00
'Credit Available $130.00 ' Balance Transfers + 0.00
Cash Credit Limif $4,000.00 ', Finance Charges + 162.18
Cash Credit Available $130.00 ', New Balance $8,119.22
You may be able to avoid Periodic finance Charges, see the
reverse side for details.
CCSIibQCIC BOflUS® ', Opening Cashback Bonus Balance $ 8.12
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 8,12
Cashback Bonus® Anniversary ',
Month: April
Keep using your Dixover(R) Card and watcl}
C
h
k
your
as
bac
Bonus(R}growl
'How Can We Hel You? I
P 1 • Visit Dixovsr.com to pay your bpl for no cost, view our
l
t
t A
i
f
s
It's your choice - 3 ways to h~
lp a
es
ccount
n
ormation, earn and redeem reward
and more
2. Call 1-BOaDISCOVER (347-2683) for fast, easyselFservice
Please have your Dixover Card available. I options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Li bflity Guarantee Use your Discover Card with confidence.
~ Trans. Po
Date Da
'Payments and Credits Nov 5 No v 5 PHONE PAYMENT -THANK YOU ~ -217,00
'Finance Charge Summa
current billing period: 31 days
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
Average
Daily
Balances
Purchases $1887.68
Past Purchases $6308.96
Cash Advances $0
The rates that apply to your Account are e
0.057513'° 20.999'° F 20.99% $33.64 $0
0.06573% 23.99% F 23.999'° $128.54 $0
0.07121 % 25.499'° F 25.99° $0 $0
fixed (Fj or they may vary N) as noted above.
II,J~.7L,°~NCK $8,095156 $172.00 ~ ( EnterAmovntEnclosedBelow
I
Payment Due Date $
~, January 7, 2009 please make check payable to Discover Card
!!
I pay online ~ Discovercard.com.
12 SDSN6A01 0013001
II
STONE, HEATHER R Go paperless and make your account
9 WESTWOOD CT information more secure month password-
ENOLA PA 17025-1508 protected statements only you can access.
Learn more at discover.coMpaperless.
PO BOX 71084 ~~~ur~~~~~~n~~~r~~~~u~~~
CHARLOTTE NC 28272-1084
Address, email or telephone changet' Prin
above, or go to Discover.com. Print your change in space '~~I~II~~I~~~~~fI~~~I~~l~'~~~111111~'~~I"I11'I"I"I„I~I"II
mail address to
receive important Account information an special offers.
000001986618092438~
I 13080955600000000017200
-- -
I
'Discover Open Road Ca
d Account Summary
I ~ Closing Date: December 12, 2008 page 1 of 1
IAccount number ending in 4766 ~ Previous Balance $8
1 19
22
Payment Dua Date January 7, 20 ,
.
09 Payments And Credits - 180
00
Minimum Payment Due $172.00 !
~ .
Purchases + 0
00
Credit Limit $8,250.00
I .
Cash Advances + 0
00
!Credit Available $154.00 '
I .
Balance Transfers + 0
00
iCash Credit Limit $4,000.00 I .
Finance Charges + 156 34
!Cash Credit Available $154.00 ! New Balance = $8,095.56
I!I You may be able to avoid Periodic Finance Charges, see the
!i reverse side For details.
I CCSI1baCIC BcnuS® !I Opening Cashback Bonus Balance $ 8.12
II New Cashback Bonus This Period + 0.00
~ Cashback Bonus Balance $ 8,12
'Cashback Bonus® Anniversary
Month: April II
;Keep using your Discover(R) Card and wat
;your Cashback Bonus(R) growl ~h
!How Can We Hel You?
p 1. visit Uiscuver.cam to pay your bill for no cost, view ur
latest Account information
earn and redeem rewardsoand mo
,~t'S your choice - 3 ways to ,
elp 2. Call 1.800-DISCOVER (347-2683) for fast, easyselFservice
Please have your Discover Card available. Il options or to speak with a Customer Service Account Manage
i
For TDD (assistance For hearing impaired) a reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
TranSactlOnS $0 Fraud ability Guarantee Use your Discover Card with confidence.
Trans. P st
Data D is
Payments and Crodits Dec 7 D
I
III
- _.
!il c 7 PHONE PAYMENT • THANK YOU $ -180.00
_
Finance Charge Summa
Average
Doily Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINA
Balances C~~S
Rates RATES RATES ~~S
current billing period: 30 days
Purchases $1840.80
Past Purchases $6317.99 0.05751 % 20.999a F 20.999'0 $31.76 $0
0.06573% 23.999° F 23.999° $124
58 $0
Cash Advances SO .
0.07121 % 25.99% F 25.999'° $0 SO
The rates that apply to your Account are eit er Fixed (Fj or they may vary (V) as noted above.
I
I
~~JL.~=,V CK S8,063.1t3
i
12 SDSN6A01 0013002
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
5163.00 ~ ~I Enter Amount Enclosed Below
Payment Due Date $
February 7, 2009 please make check payable to Discover Card or
pdy online ~ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.com/paperless.
PO BOX 71084 ~~~~~~~~~~~~~~~~~~~~~~~~~~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change8 Print hangs in space
above, or go to Discover.com. Print your e- ail address to I~~I~)'~~~~~~I~I~~~~I~~I~I~~~II'I~~~I~II~~I~~~I'~f~~~"I~I„II
receive important Recount information and pedal offers.
DOOD019866180924381~3080631
II 30D180D00016300
I
Discover Open Road Car! Account Summary
Closing Date: January 12, 2009 page 1 of 1
Account number ending in 4766 '
Payment Due Date Februa
7
209 Previous Balance $8,095.56
P
t
A
d C
d
ry
, aymen
s
n
re
its - 180.00
Minimum Payment Due $163.00
~ Purchases + 0
00
Credit Limit $9,250.00
', .
Cash Advances + 0
00
Credit Available $186.00 I .
Balance Transfers + 0
00
Cash Credit Limit $4,000.00 .
Francs Charges + 147 57
Cash CrsditAvailable $186.00 New Balance _ $8,063.13
' You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CdSI16aCIC BCgI1S® Opening Cashback Bonus Balance $ 8.12
' New Cashback Bonus This Period +
.00
Cashback Bonus Balance $ g,j2
Cashback Bonus® Anniversary
Month: April I
i
Keep using your Discover(R) Card and watch)
your Cashback 8onus(R) growl
'How Can We Hel You?
p 1 • visit Ulttever.aem ro pay your 671 For no cost, view ur
latest Account information
earn and redeem reward and moro
' ~t'S your choice - 3 ways to h Ip ,
2. Call 1-800-DISCOVER (347-2683) for fast, easyselFservice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD assistance for hearin
( g impaired) se
reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Lia ility Guarantee Use your Discover Card with confidence.
Trans. Pos
Date Da
Payment: and Crodifs Jon 7 Jan
I PAYMENT -THANK YOU $ -180.00
'Finance Charge Summary
Average
Daily
Daily
Periodic Nominal Transaction
ANNUAL ANNUAL Periodic Fee
PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $1814.45
Past Purchases $6317.68 0.03353%
0.06573% 12.24% V 12.24% $18.85 $0
23.999'° F 23.99% $128
72 $0
Cash Advances $0
'The rates that apply to your Account are eithe .
0.071219'° 25.999'° F 25.99° $0 $0
~ fixed (F) or they may vary (V) as noted above.
V~J~r`'='''d C~ $8,030.39 ~ $163.00
12 SDSN6A010013003
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
?ayment Due Date
March 9, 2009
Enter Amount Enclosed Below
Please make check payable to Discover Card or
pay online ~ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Leam more at discover.comlpaperless.
PO HOX 71084 ~~~nr~~unn~~n~r~~nr~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change8 Prin change in space ~rr~r~~rr~rrr~r~~rrr~rr~l~rrr~~~~rrr~rr~rr~lr~~rl~rl~rl~r~rr~~
above, or go to Discover.com. Print yourmail address to
receive important Account information andl, special oFFers.
000001986618092438]13080303900180000016300
'Discover Open Road Card Account Summary
Closing Date: February 12, 2009 page t of 1
'Account number ending in 4766 Previous Balance $8,063.13
Payment Due Date March 9, 2049 Payments And Credits - 180.00
(Minimum Payment Due $163.00 Purchases + 0.00
',Credit limit $8,250.00 Cash Advances + 0.00
.Credit Available $219.00 Balance Transfers + 0.00
'Cash Credit Limit $4,000.00 Finance Chargsa + 147.26
Cash Credit Available $219.00 New Balance $8,030.39
You maybe able to avoid Periodic Finance Charges, see the
reverse side for details.
CG5116gCIC ~V11uS® Opening Cashback Bonus Balance $ 8.12
New Cashback Bonus This Period + O,QQ
Cashback Bonus Balance $ 8,12
Cashback Bonus® Anniversary
Month: April
Keep using your Discover(R) Card and watch
your Cashback Bonus(R) growl
''.How Can We Hel You?'!
p 1 • Visit Discovencom to pay your bRl for no cost, view your
l
It's your choice - 3 ways to hlelp atest Account information, earn and redeem rewards and more
2. Call 1-800-DISCOVER (347-2683) For fast, easyselFservice
Please have your Discover Card available. ' options or to speak with a Customer Service Account Manager
(For TDD assistance for hearin
( g impaired)slae reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions So Fraud lability Guarantee Use your Discover Card with confidence.
Trans. Pa'at
Date Dcl1s
,Payments and Crodits Feb 7 Feb 7 PAYMENT -THANK YOU $ -180.00
Finance Charge Summar
Average
Daily
Balances
current billing period: 31 days
:Purchases $1778.50
;Past Purchases $6321.06
(Cash Advances $0
The rates that apply to your Account are eitl
Income Gap Protection gives you cash whe
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.033539'0 12.24% V 12.24% $18.47 $0
0.065739'0 23.99°'o F 23.99% $128.79 $0
0.071219'0 25.99% F 25.999'° $0 $0
fixed (F) or they may vary (V) as noted above.
need it most -when your income is interrupted by involuntary
-_ I-..._ L_... I__~~- /±.._ 0._i. -a:__ _..- L-I-.._.. /`_II ... a_J_.. ..~
VIJC,`~'VtK ~sa,aae.ia--
12 SDSN6A01 0013004
STDNE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
$337.00 _ _ I Enter Amount Enclosed Below
Payment Due Date ~ ~--~
April 7, 2009 Please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$196.14.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.com/paperless.
~~ PD BOX 71084 IIL~~IL~~~~JL~IJI~~JI
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ Print hangs in space I~~I~~I~~I~~~~~Iliiiliilili~il~l~iii~iili~~i~lli~li~~~ilil~i~~
above, or go to Discover.com. Print your e- ail address to
receive important Account information and pecial offers.
0000019866180924381,3084461400D0000003370D
Discover Open Road Card Account Summary
Closing Date: March 12, 2009 page 1 of 2
Account number ending in 4766 Previous Balance $8,030.39
Payment Due Date April 7, 2009 Payments And Credits - 0
00
Minimum Payment Due $337.00 Purchases .
+ 257
07
Credit Limit $8,250.00 Cash Advances .
+ 0.00
Credit Available $0.00 Balance Transfers + 0.00
'Cash Credit Limit $4,000.00 Finance Char es + 158 68
Cash Credit Available $0.00 ' New Balance = $8,446.14
Yov may be able to avoid Periodic Finance Charges, see the
reverse side For details.
CQSI1bCCiC BOItUS® Opening Cashback Bonus Balance $ 8.12
New Cashback Bonus This Period + 0.54
Cashback Bonus Balance $ 8.66
Cashback Bonus® Anniversary
Month: April i
How Can We Hel You? 'I
p 1 • Visit Discover.com to pay your bRl for no coat, view our
latest Account information
earn and redeem rewards and more
:'It's your choice ' 3 WC>l)/S t0 h~lp ,
2. Call 1-BOaDISCOVER (347-2683) For fast, easyselFservice
Please have your Discover Card available. i options or to speak with a Customer Servico Account Manager
For TDD assistance For hearin 3. Write us at Discover Card, PO Box 30943,
( g impaired) se~ reverse side Sak lake City, UT 84130
~I Transactions $0 Fraud Lia~ility Guarantee Use your Discover Card with confidence.
Trent. Posh
i Dais Datb
Ofhsr/Misosllaneoua Mar 10 Mar 10 LATE FEE $ 39.00
Warehouse Clubs Feb 19 Feb',19 SAMS CLUB - #8175 HARRISBURG PA 218.07
Information For You
* *ATTENTION * * The day of the month that ~ our payment is due will be changing. Your new Payment Due Date will be
printed at the top of the remittance coupon o the statement you receive For your billing period that ends afMr May 1, 2009.
Your. Payment Due Date will continue to be a least 25 days from the Closing Date. shown on the. billing statement.- .
* * * ATTENTION * * * Your account is past due. Please pay the past dve amount now, or contact us to make other
arrangements. ',
VIJt.` w,,V CIC
s~ !
ii ~Q~~~YE~~I Account number ending in 4766
Get added security wi h no paper trail - .
Make your account information ore secure with I
password•protected statements th f only you can access.
• Access up to 24 months ofd wnloadable, 'Sign up today at
printable statements. ~' D15COV@CCOR1~pOperl@5S
• See your statement as soon a it's available
rather than wait for it to arriv in your mailbox.
• Get helpful payment reminde s through e-mail s~~`
or text messages on your mo ile phone.
• Print o paper copy of your st Cement anytime.
SJ2009 Discover Bonk, Member FDIC
i
Closing Date: March 12, 2009 page 2 of 2
I!
III
I
III
i
Finance Charge Summa
Average
Dail Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
P
PERCENTAGE
i
di
G
y
lance er
o
c
PERCENTA
E FINANCE FINANCE
Rates RATES RATES CF~IARGES CHARGES
current billing period: 28 days
Purchases $1935.46 0.06847% 24.999'° F 24.99% $37.10 $0
Past Purchases $6342.16 0.068479'0 24.999'° F 24.999'0 $121.58 $0
Cash Advances $0 0.073959'° 26.99% F 26.999'° $0 $0
the rates that apply to your Account are eit er fixed (F) or they may vary (V) as noted above.
QueStlOnS? Manage your acc unt at Discover.com or
__II ~ onn n~ci+nv[n ~i onn o ~~ cool
~~VLr ~~.~V tK $8,695.SeP $563.00 ~____ ~ Enter Amount Enclosed Below
Payment Due Date
May 7, 2009 pl k h k bl D'
12 SDSN6A010013005
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Address, e-mail or telephone change$ Print
above, or go to Discover.com. Print your a
receive important Account information and
ease ma e c ec paya a to iscover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$445.56.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.comlpaperless.
PO HOX 71084 Illn~llnnnllnlrlln~ll
CHARLOTTE NC 28272-1084
ige in space ~u~i~~n~ni~~~~ni~n~i~n~~~~~ni~u~n~n~~nln~u~i~n~~
address to
ial offers.
OOOOD19866180924381~3D86955600000000056300
'Discover Open Road Cara Account Summary
Closing Date: April 12, 2009 page 1 of 1
Account number ending in 4766 I Previous Balance $8,446.14
Payment Due Date May 7, 2009 li Payments And Credits 0.00
Minimum Payment Due $563.00 ~ Purchases .
+ 39.00
Credit Limit $8,250.00 ~', Cash Advances + 0.00
Credit Available $0.00 Balance Transfers + 0.00
Cash Credit Limit $4,000.00 Finance Charges + 210.42
Cash Credit Available $0.00 New Balance = $8,695.56
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CQ51117aCIt: Bcnus® Opening Cashback Bonus Balance $ 8.66
i ..~., ..............a. ........~ ~~uu ~ vnvaa y.VV
I' Cashback Bonus Balance $ 8.66
Cashback Bonus® Anniversary !i
Month: April
How Can We Hel You?
I~ 1. visit Discover.com to pay your b$I For no cost, view your
l
atest Account information, earn and redeem rewards and me
It's your choice - 3 ways to he p 2. Call 1-80o-DISCOVER (347-2683) for Fast
easy selFservice
Please have your Discover Card available. ,
options or to speak with a Customer Service Account Manage
For TDD assistance for hearin
( g impaired) se~ 3. Write us at Discover Card, PO Box 30943,
reverse side Salt Lake Cify, UT 84130
Transactions $0 Fraud LFa ~ility Guarantee Use your Discover Card with confidence.
Trans. Post
Date Da
Other/Miacellansous Apr 8 Apr 8 LATE FEE $ 39.00
Information For You
* * * ATTENTION * * * We previously reque ted the past due amount on your account. We have no record of receiving
payment. The amount due should be paid at~ once.
Finance Charge Summary
Average
Dail Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
P
i
di
PERCENTAGE
y
Balances er
o
c
PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $2065.31 0.079429'0 28.99% F 28.999'0 $50
84 $0
Past Purchases $6482.20
Cash Advances $0 .
0.079429e 28.999a F 28.99% $159.58 $0
'
0.079429
0 28.99% F 28.99% $0 $0
the rates that apply to your Account are eithe fixed (F) or they may vary (V) as noted above.
.re
~~J~r~'~'d CK $8,951.44 ~ $795.00 ~
~ Enter Amount Enclosed Below
__
Payment Due Date $ ~--~
June 7, 2009 please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
12 SDSN6A01 0013006 $701.44.
STONE, HEATHER R Go paperless and make your account
9 WESTWOOD CT information more secure with password-
ENOLA PA 17025-1508 protected statements only you can access.
Learn more at discoveccomlpaperless.
PO BOX 71084 ~~~rs~~~r~~r~~~~~~~~~~~sr~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changeZ Print change in space '~~I~IIr~I~~~~~ll~~rl~~li'~~~1111~~~I~~I~~Ir~l~~~~„I~rl1l"II
above, or go to Discover.com. Print your ail address to
receive important Account information and special offers.
0000019866180924381j1308951440000D000079500
'Discover Open Road Card Account Summary
', Closing Date: May 12, 2009 page 1 of 1
Account number ending in 4766 ' Previous Balance $8
645
56
'Payment Due Date June 7, 2009 ~, Payments And Credits ,
.
- 0
00
(Minimum Payment Due
' $795.00 ', Purchases .
+ 39
00
Credit Limit $8,250.00 ', Cash Advances .
+ 0
00
Credit Available $0.00 Balance Transfers .
+ 0.00
Cash Credit Limit $4,000.00 ', Financs Chargss + 216.88
'Cash Credit Available $0.00 New Balance $8,951.44
', You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CeShbatk B011US® ', Opening Cashback Bonus Balance $ 8.66
New Cashback Bonus This Period + p.pp
Redeemed This Period - 8.66
Cashback Bonus® Anniversary _I - Cashback-Bonus Balance- - - - $ 0.00
Month: April
How Can We Hel YOU?
p 1 • Visit Discowacom to pay your bill for no cost, view our
latest Account information
earn and redeem rewards and more
It's your choice - 3 ways to h Ip ,
2. Call 1-800-DISCOVER (347-2683) for Fast, easy self-service
'Please have your Discover Card available. options or to speak with a Customer Service Account Manager
'For TDD (assistance for hearing impaired) s~e reverse side 3. Write us at Discover Card, PO Box 30943,
Sak lake City, UT 84130
TranSactlonS $0 Fraud LI i iiiy Guarantee Use your Discover Card with confidence.
Trans. Po
Doh Da
;Other/Mittellaneous May 8 M¢y 8 LATE FEE
II $ 39.00
Information For You
'
* *ATTENTION* * Your March 2009 billing `statement contai ned a message that your Payment Due Date would be
changing. This notice was provided to you
I Mn error. Please continue to refer to the date printed at the top of your remittance
.coupon For your Payment Due Date.
~
* * * ATTENTION * * * Your account is Seri~ usly past due. Payment of the amount due and arrangements for future
payments should be made immediately.
Finance Charge Summai
Average
Daiy
ale ces
,current billing period: 30 days
Purchases $2156.23
-:Past Purchases $6643.71
'Cash Advances $0
Nominal Transaction
Daily ANNUAL ANNUAL Periodic fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES C~U~RGES C G S
0.082163'0 29.999'0 V 29.999'0 $53.14 $0
0.08216% 29.99% V 29.999'0 $163.74 $0
0.08216% 29.999'o V 29.99% $0 $0
The rates that apply to your Account are eithbr fixed (F) or they may vary (V) as noted above.
IBJV`~a~:r'Y CIC 54,221.2 $1,041.00 ~ Enter Amount Enclosed Below
I' Payment Due Dafe $ ~--1
ii July 7, 2009 Please make check payable to Discover Card
You are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount c
12 SDSN6A01 0013007 $971'24'
STONE, HEATHER R Gopaperlessandmakeyouraccount
9 WESTWOOD CT information more secure with password-
ENOLA PA 17025-1508 protected statements only you can access.
Learn more at discoveccom/paperless.
PO BOX 71084 ill„rilrr~rrrllr~IrlL~rll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changelr Print c
above, or go to Discover.com. Print your e-m ange in space I~~I~Il~ili~ilill~~~l~il~l~ii~lll~iil~il~~l~rll~ili~l~~lil~~ll
i) address to
receive important Account information ands ecial offers.
0000019866180924381] 3092212400000000104100
_ . ~
' Discover Open Road Cara ..~.
Account Summary
i, Closing Date: June 12, 2009 page 1 of 1
Account number ending in 4766 Previous Balance $8,951.44
Payment Due Date July 7, 2009 '
~ Payments And Credits _ p
00
Minimum Payment Due $1,041.00
!~ .
Purchases + 39
00
Credit Limit $8,250.00 ', .
Cash Advances + 0
00
Credit Available $0.00 ', .
Balance Transfers + 0.00
Cash Credit Limit $4,000.00 ~
~ Finance Chargss + 230 80
Cash Credit Available $0.00
, New Balance = $9,221.24
i You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CQSII~QCIC Bcnus® II Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance S 0.00
Cashback Bonuses Anniversary
Month: April 'I
How Can We Hel You?
I~ 1. visit Diaever.ccm to pay your bill for no cost, view ur
latest Account information
earn and redeem reward~°and mo
It's your choice - 3 ways to he ,
p 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 ManagE
for TDD (assistance for hearing impaired) se reverse side 3. Write us at Dixover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions So Fraud Lia ility Guarantee Use your Discover Card with confidence.
Trans. Post
Date Dats
Olhsr/Miasllansous Jun 8 Jun ?~ IATE FEE $ 39.00
Information For You
While we are permitted under the Cardmemb r Agreement to increase the APRs on your Account because your payment
was late, we have chosen not to do so at this ime. However, we reserve the right to increase the APRs on your Account if
you fail to pay the minimum payment due by a payment due date. See the Default Rate Plan section of the Cardmember
Agreement for details.
I
* * * ATTENTION * * * Your account is serio lly past due. Payment of the amount due and arrangements for Future
payments should be made immediately.
Finance Charge Summary
Average
Daily Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases x2250.40
Past Purchases $6812.21 0.082169e 29.99% V 29.99% $57.30 $0
0.082169'0 29.999e V 29.999'0 $173
50 $0
Cash Advances $0 .
0.082169'0 29.99% V 29.999'0 $0 $0
The rates that apply to your Account ore eithe fixed (F) or they may vary N) as noted above.
6J1.7ra,,"':;~' ~/ ~~ $9,490.22 I $1,286.00 I Enter Amount Enclosed Below
Payment Due Date ~ ~-
August 7, 2009 please make check payable to Discover Card.
Minimum payment due includes a past due
amount of $1,041.00.
12 SDSN6A01 0013008
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Address, e-mail or telephone change2 Print'change in space
above, or go to Discover.com. Print youre-mail address to
receive important Account information and'special offers.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.comJpaperless.
PO BOX 71084 ~~~rrr~~suur~~rr~r~~ni~~
CHARLOTTE NC 28272-1084
~u~i~~n~ni~i~~n~~n~~~n~~~~~n~~n~n~n~~n~n~n~i~n~~
000001986618092438],13094902200000000128600•
'Discover Open Road Cared Account Summary
Closing Date: July 12, 2009 page 1 of 1
Account number ending in 4766 Previous Balance $9
221
24
!Payment Due Date August 7, 20Q9 Payments And Credits ,
.
_ p
00
Minimum Payment Due $1,286.00 Purchases .
+ 39
00
Credit Limit $8,250.00 Cash Advances .
+ 0
00
.Credit Available $0.00 Balance Transfers .
+ 0
00
'Cash Credit Limit $4,000.00 Finan<e Charges .
+ 229 98
Cash Credit Available $0.00 New Balance = $9,490.22
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CCSI16aCIC DVDUS® Opening Cashback Bonus Balance $ Q,QQ
New Cashback Bonus This Period + Q,QQ
Cashback Bonus Balance $ 0,00
Cashback Bonus® Anniversary
..Month: April
'How Can We H@I YOU? 1 • Visit Discowr.cero ro pay your bill for no cost, view our
p latest Account information, earn and redeem rewards and more
Ilt's your choice ^ 3 Ways t0 h~~p 2. Call 1-8oaD15COVER (347.2683) for fast, easy selFservice
'Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD {assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Tra1lSaCtlorl5 $0 Fraud Lipbility Guarantee Use your Discover Card with confidence.
Trans. Po$$f
Dale Dale
Other/Miscellaneous Jul 8 Jul ~8 LATE FEE $ 39.00
!Information For You
;While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment
was late, we have chosen not to do so at this time. However, we reserve the right to increase the APRs on your Account iF
you Fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember
Agreement For detnils.
* * * ATTENTION * * * Your account is serimusly past due. Poyment of the amount due and arrangements for future
payments should be made immediately.
':Finance Charge Summal
Average
Daily
ale es
.current billing period: 30 days
Purchases $2346.94
Past Purchases $6985.00
,Cash Advances $0
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.082169'0 29.99% V 29.99% $57.83 $0
0.08216% 29.99% V 29.99% $172.15 $0
0.08216% 29.999a V 29.99% $0 $0
The rates that apply to your Account are either fixed {F) or they may vary (V) as noted above.
12 SDSN6A010013009
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
.........._.... _,..._... --- - ~----....._...__. _.._...o ... _. _
$1,546.00 ___ ~ Enter Amount Enclosed Below
Payment Due Date $ -1
September 7, 2009 please make check payable to Discover Card.
Minimum pa ment due includes a past due
amount of $1,286.00.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Leam more at discover.com/paperless.
' PD BOX 71084. Ill~nlln~u~ll~~l~lln~ll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ Print c ange in space I~~)~II~~I~~~I~I~~~~Ii~l~l~~~~l'I~~~I~~I~~I~~I~~~I~~~r~l~l~~l'
above, or go to Discover.com. Print your e•rr~ail address to
receive important Account information and s~ecial offers.
0000019866180924381~3097739200000000154600
'Discover Open Road Car Account Summary
Closing Date: August 12, 2009 page 1 of 1
Account number ending in 4766 I Previous Balance $9,490.22
Payment Due Date September 7, 21 D09 Payments And Credits p,Op
Minimum Payment Due $1,546.00 Purchases + 39.00
Credit Limit $8,250.00 Cash Advances + 0.00
Credit Available $0.00 Balance Transfers + 0.00
Cash Credit Limit $4,000.00 Finance Charges + 244.70
Cash Credit Available $0.00 New Balance $9,773.92
You may be able To avoid Periodic Finance Charges, see the
reverse side for details.
CCtShIx+CIC BCi'11US® I Opening Cashback Bonus Balance $ 0,00
', New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 0.00
Cashback Bonus® Anniversary
Month: April
'How Can We Hel You? ' 1. Visit Discovsacom to pay your bill for no cost, view our
P latest Account information, earn and redeem rewards and more
'It's your choice - 3 ways to help 2• Call 1.8oo.DISCOVER (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 hearing impaired) se reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Lie ility Guarantee Use your Discover Card with confidence.
Trans. Po
Dots Do
Ctlhsr/Miscellaneous Aug 8 Augj 8 LATE FEE $ 39.00
Information For You
While we are permitted under the Cardmem er Agreement to increase the APRs on your Account because your payment
was late, we have chosen not to do so at this time. However, we reserve the right to increase the APRs on your Account iF
you Fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember
Agreement for details.
*** ATTENTION ** * Your account is serio~sly past due. Payment of the amount due and arrangements for future
payments should be made immediately.
Finance Charge
Average
Daily
Balances
current billing period: 31 days
Purchases $2445.93
Past Purchases $7162.16
Cash Advances $0
The rates that apply to your Account are eith
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.08216% 29.99% V 29.999'0 $62.29 $0
0.082169a 29.999'a V 29.99% $182.41 $0
0.08216% 29.999'e V 29.99% $0 $0
fixed (F) or they may vary (V) as noted above.
~IJ~~F~-='~ CR $10,064.92 I $1,813.00 __~ Enter Amount Enclosed Below
' Payment Due Date $
' C~ctobsr 7, 2009 please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$1,814.92.
12 SDSN6A01 0013010
STONE, HEATHER R Go paperless and make your account
9 WESTWOOD CT information more secure with password-
ENOLA PA 17025-1508 i protected statements only you can access.
Learn more at discover.com/paperless.
PO BOX 71084 ~~~rn~~nun~~n~r~~ur~~
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ Prin change in space ~r~Irllrrlrrr'rI'rr~lrrl~lrrrl'Ilrrrlrrl~r'rrll~~'~rlr~Irll~'I
above, or go to Discover.com. Print your mail address to
receive important Account information and special offers.
000001986618092438 13100649200000000181300
'Discover Open Road Card Account Summary
' Closing Dats: September 12, 2009 page 1 of 1
'Account number ending in 4766
'Payment Due Date October 7,
!Minimum Payment Due $1,813.00
Credit Limit $8,250.00
'Credit Available $0.00
Cash Credit Limit $4,000.00
Cash Credit Available $0.00
Previous Balance $9,773.92
Payments And Credits - 0.00
Purchases + 39.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 252.00
New Balance $10,064.92
You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
' Cashback Bonus®
.Cashback Bonus® Anniversary
(Month: April
Opening Cashback Bonus Balance $ 0,00
New Cashbock Bonus This Period + 0,00
Cashback Bonus Balance $ 0,00
iiHow Can We Hel YCU? ~! 1 • Visit Discover.com to pay your bill for no cost, view our
p latest Account information, earn and redeem rewards and more
'~fr5 yOUr ChO1C@ - 3 WCT~/S t0 h ~p 2. Call 1-800-DISCOVER (347-2683) for fast, easyself-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD assistance For hearin 3. Write us at Discover Card, PO Box 30943,
( g impaired) s e reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Li bility Guarantee Use your Discover Card with confidence.
Trans. Po
Date D
'CMher/Miccsllansous Sep 8 Se S LATE FEE $ 39.00
'Finance Charge Summary
Average
Daily
Balances
current billing period: 31 days
Purchases $2548.48
Past Purchases $7346.83
Cash Advances $0
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.08216% 29.99% V 29.99% $64.89 $0
0.08216% 29.99% V 29.99% $187.11 $0
0.08216% 29.99% V 29.99% $0 $0
The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above.
VIJt."~,.~~Y CR
$10,064.92 i $10,064.92 Enter Amount Enclosed Below
Payment Due Date
November 10, 2009 Please make check payable to Discover Card.
Minimum payment due includes a past due
amount of $2,015.00.
t5 SDSN6A01 0013012
STONE, HEATHER R
9 WESTWOOD CT
ENOLA PA 17025-1508
Address, e-mail or telephone chonge6 Primchange in space
above, or go to Discover.com, Print your mail address to
receive important Account information and special offers.
000001986618092438713100649200000001006492
'Discover Open Road Cad Account Summary
;Payment Due Date November 10
Minimum Payment Due $10,064.92
Credit Limit $8,250.00
Credit Available $0.00
Cash Credit Limit $0.00
Cash Credit Available $0.00
Account number ending in 4766
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.com/paperless.
PO BOX 6103 ~~~~~~~~~~~~r~~~~~~~~~~~~~~
CAROL STREAM IL 60197-6103
~i~~u~~nun~~~~~n~m~~~~nn~~~~~nn~~~~~~nn~~~n~n~~
Closing Date: October 15, 2009 page 1 of 1
Previous Balance $10,064.92
2009 Payments And Credits - p,00
Purchases + 0.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 0.00
New Balance $10,064.92
CGShbQtk ~YnUS® li Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
~~ Cashback Bonus Balance $ 0.00
',Cashback Bonus® Anniversary
(Month: April
How Can We Hel You? 1. Visit Discovsr.com to pay your bill for no cost, view our
r p latest Account information, earn and redeem rewards and more
It s your choice - 3 ways to h Ip 2. Call 1-800.DISCOVER {347.2683) for fast, easyselFservice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD assistance for hearin 3. Write us at Discover Card, PO Box 30943,
( g impaired) s e reverse side Salt Lake City, UT 84130
jFinance Charge Summa
Average
Daily
B a es
current billing period: 15 days
Purchases $0
'Past Purchases $0
'..Cash Advances $0
The rates that apply to your Account are
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FIN
Ratan
RATES
RATES
CHARGES CHARGES
0.08216% 29.99% Y 29.99% $0 $0
0.08216% 29.99% V 29.99% $0 $0
0.08216% 29.99% V 29.99% $0 $0
er Fixed (F) or They may vary (V) as noted above
CERTIFICATE OF SERVICE
A true and correct) copy of the within Plaintiff s Motion for Summary Judgment has been served
by U.S. Mail, Postage Pre- aid, on I~~day of , 2010 upon the following:
Joseph Sucec,Esquire
325 Peach Glen- Idaville
Garders Pa 17324
By:
Befij Bibler, Esquire
Pa. .D.#9 598
Wel einberg & Reis, Co.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-7955
WWR No. 7957615
IN THE COURT OF I~
DISCOVER BANK ,
Plaintiff,
vs.
HEATHER R STONE ,
Defendant.
ON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Case No.: 10-834 CIVIL TERM
ORDER OF COURT
AND NO to-wit, this day of 2010, upon Plaintifi's
Motion for Summary Jud ment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said
Motion is GRANTED and Judgment is entered in favor of Plaintiff for $10,064.92 with interest at the rate
of 29.99% per annum
November 7 2009, Attorneys Fees of $125.00, plus costs.
BY THE COURT
J.
WWR No. 7957615
~a5~~~~
' PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must~e typewritten and submitted in duplicate}
~~ ~~ ~~
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter for the next Argument Court.
--------------------------------------------------- -
CAPTION OF CASE
(entire caption must be stated in full)
~ (c~~~
~~
~ ~ ~ cc~..~ ,_' _ . ~ ~ ~'
"'' c~ r t
'r~ C - -
(Plaintiff) r" ;=' l r - i -,-,
~~
~~
(Defendant)
!30 . ~~\ ~ Civil I~1 (~
1_ State matter to be argued (i_e., plaintiff's motion for new trial, defendant's
demurer to complaint, etc.):
~~
2. Identify counsel who will argue case:
(a) for plaintiff : ~~~ ` ~ ~ (~ ~ ~ ~ ~~ f ~
Address: J~`~00 ~ ~~ S 1, ~ ~~~
`-~~
Pt~s~r ~a. ~ ~~ ,
(b) fir Zefenian
Address : ~ OCP nV1 ~i ` ~ 1 S C
aa5-~J 1 ' ~lJ~ ~-W l ~ 15L
r er„~ ~~
3. I will notify all parts an t thin two days that this case has
been listed for arm ~s t .
4. Argument Court Date: 8~ ~~~ ~~
y f
_ * ~+ cn, fnr~ l~l
e
CERTIFICATE OF SERVICE
A true and correct copy of the Praecipe for Listing Case for Argument has been served by
U.S. Mail, Postage Pre-Paid, on ~ day of U, , 2010 upon the following:
Joseph Sucec,Esquire
325 Peach Glen- Idaville Rd
Garders Pa 17324
G.
By:
Benj n B ,Esqui e
PA ID# 9 598
Weltman, ei erg & Reis CO L.P.A.
1400 Kop Building
436 Seventh Avenue
Pittsburgh, PA 15219
b ,
IN THE COURT OF COMMON PLEAS AUG. 12 201
CUMBERLAND COUNTY, PENNSYLVANIA 4D
DISCOVER BANK
Plaintiff
V. 10.834 CIVIL TERM
HEATHER STONE
defendant CIVIL ACTION
ORDER
AND NOW, this Lday, August 2010, it si hereby ORDER and DECREED that Defendant's Motion
for Continuame is tau Pe-o
BY THE COURT,
Q. J.
evp y
L\ I
A,
Crk- l? "
PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in triplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Argument Court.)
CAPTION OF CASE
(entire caption must be stated in full)
DISCOVER BANK
vs.
HEATHER R. STONE
(List the within matter for the-next,,,,
- - ----------- ----------------- '7.7 LV
y M 1-3
':7j
r
co
_ `-5
No. 10-834 CIVIL Term
1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to
complaint, etc.):
Motion for Summary Judgment
2. Identify all counsel who will argue cases:
(a) for plaintiffs:
Benjamin R. Bibler, Esquire; 436 Seventh Ave, Suite 1400, Pittsburgh, PA 15219
(Name and Address)
(b) for defendants:
Joseph Sucec, Esquire; 325 Peach Glen-Idaville Rd, Garders, PA 17324
(Name and Address)
3. 1 will notify all parties in writing within two days that this case has been listed for
argument.
4. Argument Court Date: 12/15/2010
Date: 11/9/10
Benl in R. Bibler
Attorney for rv?%
?j
INSTRUCTIONS:
1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR
(not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument.
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case is rellsted.
CERTIFICATE OF SERVICE
A true and correct copy of the within Praecipe for Listing Case for Argument was served by U. S.
Mail, postage prepaid, this _ day of, :?OVyb[2010 upon the following:
Joseph Sucec, Esq.
325 Peach Glen-ldaville Rd
Garders, PA 17324
By:
Behj i . Bibler,Esquire
PA 1 AIN 9 598
Wel ma , Weinberg & Reis CO L.P.A.
140 oppers Building
436 Seventh Avenue
Pittsburgh, PA 15219