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HomeMy WebLinkAbout10-11191 20 10 FED 1 6 PM 2: Q5 CU1?h IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. KELBY D BERRIER Defendant No: COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 07959678 C A Pit KMJ Q 92 -0e> ?d-14 y (2K-:d A/Y878SL R-4- aa'n- 35 ,IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No KELBY D BERRIER 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 N 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: KELBY D BERRIER 128 SHIPPENSBURG MOBILE SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX7091 . 4. Defendant made use of said credit card and has a current balance due of $10529.36 , as of November 09, 2009 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 24.990% per annum on the unpaid balance from November 09, 2009 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit 111" and made a part hereof. .7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant , KELBY D BERRIER individually , in the amount of $10529.36 with interest at the rate of 24.9900 per annum from November 09, 2009 plus attorneys' fees of $125.00 , and costs. James C. arm ro 'ot,42524 WELTMAN, INB G & REIS CO., L.P.A. 436 Sev t Avenue, Suite 1400 Pittsbu gh PA 15219 (412) 4 955 FAX: 4 2- 38-7130 079596 8 C A Pit KMJ This law firm is a debt collector attempVig, to collect this debt for our client and any information obtained be used for that purpose. tK 510,539.36 $10,539.36 CARD 22 SDSN6A01 0004866 KELBY BERRIER MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Payment Due Date November 17, 2009 Enter /Amount Enclosed Below YYY"' [ 5f .r ? Please make check payable to Discover Card. Minimum payment due includes a past due amount oF$1,908.00. will your payment get to us on time? Pay your bill online and your payment can be made to your account on the some day. Visit Discover.com/payments today. PO BOX 6103 CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? Print change in space ICI(??I???????II'?I??I???I?II?????IIII11111II??I11111II'?I?fll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618006599059105393600000001,053936 Discover More Card Account Summary Closing Date: October 22, 2009 page 1 of 1 Account number ending in 7091 Previous Balance $10 539.36 Payment Due Date November 17, 2009 Payments And Credits , 0 00 Minimum Payment Due $10,539.36 Purchases . + 0 00 Credit Limit $11,000.00 Cash Advances . + 0 00 Credit Available $0.00 Balance Transfers . + 0 00 Cash Credit Limit $0.00 Finance Char es ? . + 0 00 Cash Credit Available $0.00 _ - - --- ---- - New Balance __ _ . = $10,539.36 Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback BonusO Anniversary Date: June 22 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) see reverse side 3. write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic R t PERCENTAGE RATES PERCENTAGE FINANCE FINANCE a es RATES CHARGES CHARGES current billing period: 22 days Purchases $0 0.06847% 24.99% F 24.99% $0 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information. If there is more than one page to this billing statement see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Calls-800-347-2683. Billing Rights Summary. In Case of Errors or Questions About Your Bill: It ou think Your bill is wrong, or if YYou need more information about a transaction on Vyour bill, write to us on a separate sheet of paper at Discover Card: PQ Box 30421 Sail Lake Cit . UT 84130-0421 as soon as possible. We must hear from you no later tnan 60 days after we sent you the first bill on which the error or problem appeared. Vou can telephone Us but doing so will not preserve your rights. In your letter, give us the following information: • Your name and Account number'. • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more Information, describe the item you are unsure about You do not have to Pay any amount in question while we are I yestirting, but Vou are still obligated to gag the parts of yy r bill that are not in question. While we nvestrgate your uestion, we cannot report you a de nauerft or take an action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and gu have tried in ood faith to correct the problem with the merchant ou maY not nave to pa the remaining due on the goods or services. ?ou have this protection only when the purchase price was more than 50 any the purchase woos made In yor home state or withrTt 100 miles of your mailin address. (If we own or o e ate the merchant, or if we rnai ed you the advertisement for the goods or services, all purchases are covered regardless the amount or location gf purchase) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do npt send cash. sending your check as described above, Yore authorize us to use information on your check to make an electronic fund transfer from your acco nt at the financial Institution indicated on your check or to rocess the payment as a check transaction. If ppayment is processed as an electronic fund transfer, the transfer will be for the amount of the chick. When we use information from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back firom your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other Items with your payment, ii ou send the payment to any other address or ii you use an envelope other tharf the one provided. Payments received on or after 1 PM at bur oorocesin facility Monday througggh Friday or on a weekend or bank holidayV will be posted to our Account as of the next business day. If you h2ve misplced your envelbe, send our pament to Discover Bank, Pit Box 6103 Carol, Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is return d '!a , we r serve the rigght to resubmit it as an electronic debit ou can pay your minrTnum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-347-2683. Yowill need this statement and yyour bank account information. You must ensure that sufficient funds are available in Your bank account and all transactions must corn pIV with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic sig9nature, Vou will be a reein9 to this authorization to allow us and your bank to deduct each p ment YDU authorize from your bank account, and to initiate debit or cre?rt entries to your bank account, as applicable, to correct an error in the processing of such pa m nt You must tell us the amount of each payment or Vou can select an amount such as the Minimum Payment Due or the New Balance on ea h statement You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1-800-347-2683 or by mail at the address listed in the previous paraggraph. IT Your payments vary in amount we will tell ou on each month) statement when your payment will be made and how much it will be. Your automatic p3yrhent amouflt may be less than ?ndicated on the mobthly statement based 6n credits or payments applied during the billing cycle. Credit Reporting. We may report information about Your account to credit bureaus. Late payments, missed pa ments, or other defaults on our account ma be reflected in your credit report We normal) report the status and a meat history of your Acc?unt to credit re ortin?7 apenies each month. If believe that our re rt is inatcurate or incorr?Gletee, please write us a?t?ie following address: Discover Card, PO Bx 15376, 4vllmington. DE 19850-5316. Please include our name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your billing statement unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin tYo impose PeriodicFinance Char es on that transaction from the first day of the billingg period in which it Is posted to your Account. We continue to impose Periodic Finance Charge-1 until the date you pay Vour entire New Balance, by Ttlakin ayments or receiving credits. However, if you paid the New Balance on your previous billing statement by tlleYavment Due Date shown on that bilTi is statement and Vou ppayY the New Balance by the Payment Due Date on your current billing statement we will nbt impose Periodic Finance Char es bn new purchases, that ls, purchases first appearing on the current billing statement We call this the "grace period.! There is no grace peri2on balance transfers or cash advances. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise be impose. Annual Fee. If your Account has an annual fee it will be billed at the beginning of each anniversary year our Account is open. The amount of the fee a ppears n the statement when the fee is billed. The annual fee if not refundable unless you hotif . us that you wish to close your Account within 30ptlays of the mailing or delivery date of the statement on which the fee is billed. You win receive this refund even If you use your Card during that period. Periodic Finance Charges. We sort your transactions into groups of purchases, cash advances and balance transfers and then further sort the transactions within each roue by their Annual Percenta a Rate. For Ample, purchases sub ec) to a promotional rate and purchases subleect to a standard rate would be sg argte groups. We refer to theple groups as transaction categories. At the end of each billing period, we comput balances and Periodic Finance Charges for each day of the billing p€riod for each transaction Category. We use the following i q ation to compute Periodic Finance Charges for each transaction category. (Average Daily Balance) times (days in billing period) times (Daily Periodic Rate). to the finance charge summary on your billin? statement for these amounts.) Then we add up the Periodic Finance Charges for each 4oty to get the total Periodic Finance Charge4 for your Account The Average Daily Balance It shown as zero if, because of the grace dicFinafce Charges a ppIYY to the balance Ifs a transaction cate orNy hero a Daily Balance I cluding new transactions) method of clIc0latin the balance upon which we Impose Periodic Finance mgut? the Average Daily Balance for each transaction category by addir{g9g up all the dally balances in a billing period for a p r and dividing the total by the number of days in the bills g period. Vile compute the daily balance for ea transaction category first adding the following to The Previous days OallY balance: transactions with 2 Transaction Date of that day as shown on your it unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the be added to the daily balance as of the first day, of the billing Aeriod in which it is posted to, Your Account, fees charged that day nance Char es accrued on the previous day's dal11Y balance; aiid by then subtracting an credits and RaYments that are applied once of thelransaction category on that day. In calculatin the dally balance for thb fir t day of the billing period, we consider the daily balance" to have beerf your balance for each transaction category on the last day of Vour previous billing period. qed to your Account are added to the standard purchase transaction category with the exception of Cash AdvaRde Transaction Fee which are added to the applicable cash advV a transaction category and Balance Transfer Transaction Fee Finance Charges which e applicable balance transfe?transaction category. When the specie rate expires, we move the unpaid balance of the balance Balance Transfer Transaction Fee Finance Cgarges to the standard purchase transaction catec?orV. However, If the special rate has d under the Default Rate section, we leave the unpaid balance of the balance transfer and thegaryance Transfer Transaction Fee in the annrinnhle harance transfer transaction cpteaorv until the special rate would have expired. Cn 0 Z Z m D 0 0 0 0 m N 0 i 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# 7959678 Kelby D. Berrier '6011298669357091 IN THE COURT OF COMMON PLEAS, COUNTY OF CUMBERLAND COMMONWEALTH OF PENNSYLVANIA DISCOVER BANK, ) ) Plaintiff, ) j Vs. Kelby D. Berrier, ) Defendant. ) CIVIL DIVISION )// I Case No. 2010-005-3T Cil ? Ca i Defendant's Answer Comes now the Defendant, Kelby D. Berrier, and for cause, states the following: 1. Defendant has insufficient information with respect to the material allegations contained in paragraph 1 of Plaintiff's complaint and can neither admit nor deny the claim. As such, Defendant calls on plaintiff to prove same. 2. Defendant admits the material allegations contained in paragraph 2 of Plaintiffs complaint. 3. Defendant denies the material allegations contained in paragraphs 3 through 9 of Plaintiff s complaint and demands strict proof thereof. 4. Plaintiff has further failed to state a claim upon which relief can be granted. There has been no injury in tort. 5. Defendant further asserts the following affirmative defenses: A. Statute of Frauds B. Failure of Consideration C. Accord & Satisfaction/Novation D. Setoff E. Uniform Commercial Code F. Fair Debt Collection Practices Act 4. Defendant intends Discovery pursuant to the Pennsylvania Rules of Civil Procedure. Prepared and submitted by: Kelby D. Berrier Certificate of Service I, Kelby D. Berrier, certify that on b rvax A5 , 2010, I mailed a true and correct copy of the above and foregoing Answer via first class mail, postage prepaid to: Weltman Weinberg & Reis Co., LPA, 325 Chestnut St, Suite 501, Philadelphia, PA 19106. Kelby D. Berrier 2 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy FILED- FILE OF THE PROPJ' -NOTARY 2010 MAR -8 P1412:54 Edward L Schorpp Solicitor Discover Bank vs. Kelby D. Berrier OFF,-EE ; THE S-ERIrw PEI: `v "til t' V;^ f r Case Number 2010-1119 SHERIFF'S RETURN OF SERVICE 02/23/2010 03:29 PM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on February 23 2010 at 1529 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Kelby D. Berrrier, by making known unto herself personally, at 128 Shippensburg Mobile Estates, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $46.00 February 25, 2010 SO ANS S, RO N R ANDERSON, SHERIFF By. Deput Sherif C; CCul"y Suite S"enff. Te leosn't. 0-1, 3; 11 C''MBpENNS tYt.VANIANTY IN THE COUR'1 OF COMMON PLEAS OF CUMBERLAND COUNTY. PIANSYLVANIA CIVIL DIVISION DISCOVER BANK. Plaintiff. Case No.: 10-1 119 CIVIL FF;RM TYP1 OF PLEADING: vs. PLAINTIFF'S RESPONSE IN OPPOSITION TO DEFENDANT'S MOTION FOR SUMMARY JUDGMENT KELBY D BERRIFIZ, Defendant. FILI?D ON 8111ALF01': Plaintiff COUNSEL OF R1:CORD OF TIIIS PARTY: Benjamin R Bibler, l,squirc Pa. I D.# 93598 Weltman. Weinberg, and Reis Co., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR #07959678 IN THE' COURT Oh COMMON PLEAS Ol, CUMBERLAND COUNTY, P1:NNSYLVANIA CIVIL DIVISION DISCOVER BANK. Plaintiff, Case No.: 2010-11 19 CIVIL "1'1?RM TYPE OF PLEADING: vs. PLAINTIFF'S RESPONSE IN OPPOSITION TO DEFENDANT'S MOTION FOR SUMMARY JUDGMENT K1 LBY D BI RRIFIZ. Defendant. PLAINTIFF'S RESPONSE IN OPPOSITION TO DEFENDANT'S PRELIMINARY OBJECTIONS Nov, comes, Plaintiff, by and through its counsel, Weltman, Weinberg, and Reis Co- 1-1).A. and responds in opposition to Defendant's Motion for Summary .ludgment. 1. Admitted. 2. Denied as a conclusion of law. -1. Admitted q. Denied. Defendant has been provided the specific agreement that correlates to her credit card account. 5. Denied as a conclusion of law. W1 1:R1:1? ORE. Plaintiff respectfully requests that this Honorable Court to deny Defendant's Motion for Summary Judgment. Respectfully submitted, Benj mi Z Bible? `T?sq. PA .D-#9 548 Wet lan einberg, and Reis Co., 1,.P.A.. 1400oppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)4'14-7955 WWII 7959678 CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's Response in Opposition to Defendant's Motion 1-or Summary Judgment has been served by U.S. Mail, on the day oi' 2010, upon the Iollomng: Kelby D. Berrier 128 Shippensburg Mobile Est. Shippensburg, PA 17257 l 13N, - l jai n R Bibler, I'squire r IN THE COURT OF COMMON PLEAS OF ?J CUMBERLAND COUNTY, PENNSYLVANIA NO. C? 2Q ff 1-,r - ' `- RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form: ` PETITION FOR AL'POIN',' EMENT OF ARB:! TRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: counsel for the plaintiffMcfendant in the above vlly repres n n that: knacti ro?rctions), respecti 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is ,$ The counterclaim of the defendant in the action is The following attorneys are ;interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEIR'EFORE, your petitioner prays whom the case shall be submitted. Court to appoint three (3) arbitrators to Respectfully ORDER OF AND NOW, oetition. Esa.. and 200, in consideration of the foregoing Esq., and _ Esq., are appointed arbitrators in the above captioned action (or actions) as prayed for. By the Court, WCEW N A. ftSS, PT $aq • 00 P p A771 gag Ia'71 CERTIFICATE OF SERVICE A true and correct copy of the Petition for Appointment of Arbitrators has been served by U.S. Mail, Postage Pre-Paid, on ? )day of ? ovem 2010 upon the following: Kelby D Berries 128 Shippensburg Mobile Shippensburg Pa 17257 By: Benjamin ler, PA ID# 9 598 Weltma Weill rg & Reis CO L.P.A. 1,400 Ko pers uilding 43 ' Seve Avenue Pittsburgh, PA 15219 N IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff; No. 10-1119 CIVIL TERM vs. ]KELBY D BERRIER Defendant," PLAINTIFF'S NOTICE PURSUANT TO PAR C P 1.305(b) AND NOW, comes the Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby gives notice pursuant to Pa.R.C.P. 1305(b) of its intention to offer into evidence at the arbitration hearing the following documents, the copies of which are attached hereto: 1.) Monthly Statements dated from July 26 2003 through October 22 2009 2.) Cardmember Agreement Respectfully Submitted: BOnj ' Bibler; Esquire PA D( 4993 8 WE TMAN, INBERG & REIS CO., L.P.A. 1400 opp s Building 436 Se nth Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR'# 7959678 CERTIFICATE OF SERVICE The undersigned certifies that a true and correct copy of the within Plaintiff's Notice Pursuant to Pa.R.C.P. 1305(b) was served on the 0' day of 2010 by first class, U. S. Mail, postage-prepaid, addressed as follows: Kelby Berrier 128 Shippensburg Mobile Shippensburg Pa 17257 By:_ Bibler, Esquire 26 ;[) NEA01 0013013 BERRIER,, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPEISBURG PA $6,504.56YV 1$131.00 -r v VVy 4 Enter Amount Enclosed Below Payment Due Date August 25, 2003 $ 1 Please make check payable to Discover Platinum Card or pay online Q Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. t 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. PO BOX 71084 11111111111111 1 1 1 11,1111 0 11 CHARLOTTE NC 28272-1084 1111111 11 1 111 1 111111111111111 1111 1111111 11 111 II11 1 ulnlrlnll 000001986618006599059065045600000000013100 Discover (platinum Card Account Summary Closina Date: July 26, 2003 Account number ending in 7091 Payment Due Date August 25, 2003 Minimum Payment Due $131.00 Credit Limit $10,000.00 CeditAvailable $3;495.00 Cash Credit Limit $5,000.00 Cash Credit Available $3,495.00 page 1 of 2 Previous Balance $0.00 Payments And Credits 0.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 6,504:56 Finance Charges + 0.00 New Balance = $6,504.56 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus(D Anniversary Month: June Keep using your Discover(R) Card and watch your Cashback Bonu!s(R) award grow! Remember, once yyour Cashback Bonus award is at least $20; you can redeem your award by calling us or by logging into the Account Center atDiscovercard.com. Cashback Bonus Balance $ 0.00 How Can W e Help You? 1 • Visit Discoveacom to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date (Balance Transfers Jun 16 Jun 16 CITIFINANCIAL XXXXXXXXXXX7818 Ti PA $ 6,504.56 APR 0.00°6 EXPIRES 04/2004 Finance' Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period; 52 days Purchases $0 0.03764% 13.74% V 13.74% $0 $0 Cash Advances $0 0:05751 % 20.99% F 20.99% $0 $0 Balance Transfers $5128.59 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (W) es noted above. ?? Jui 25 2003. ?} Account number ending in 7091 -- y '- - - Page 2 of 2 Cashback Bonus o Award Summary Cashback Bonus Anniversary Date: June 26 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 Cashback Bonus Award Total 0.00 Cashback Bonus Award Balance 0.00 Award Available to Redeem $ 0.00 irestrictions apply to the Cashback Bonus Partner offers visit Diseavor.eem or exlt 1.600•0I6COVER (1-800-347-2683) for e)ails. l'or program detail's, see the Cashback Bonus Program Terms and Conditions. ro E`"r"1?' i?evvv vuwn?e $7,372.34 26 SDEINEAD1 0013014 BERRIER, KELBY A MOBILE EST 128 SHIFPENSBURG SHIPPEWSBURG PA 17257-9534 'm'm in ruynioui v?o Kl-Wil ivUnwai cnuuiy iii , v7 $148.00 Enter Amount Enclosed Below Payment Due Date $ 1 1 September 25, 2003 please make check payable to Discover Platinum Card or pay online Q Discovercard.com. Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 111 IN 11111191 CHARLOTTE NC 28272-1084 I??I?II??I???l?ll??rlr?lrl???illl??rl??lr?l??ll„Ir?l??l?loi'll 00000198k615006599059073723400000000014800 Discover Platinum Card Account Summary Closing Date: August 26, 2003 page l of 3 Account number ending in 7091 Previous Balance $6,504.56 Payment Due Date September 25, 2003 Payments And Credits - 250.00 Minimum Payment Due $148.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $2,627.00 Balance Transfers + 1,117.78 Crash Credit Limit $5,000.00 Finance Charges + 0.00 Cash Credit Available $2,627.00 New Balance = $7,372.34 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback-Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Coshback Bonus® Anniversary Month: June Cashback Bonus Balance $ 0.00 Keep using your Discover(R) 'Card and watch your Cashback Bonus(R) award growl Remember, once your Cashback Bonus award is at least $20, you can redeem your a Ward by calling us or by logging into the Account Center at Discovercard.com. Flow Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 wvays to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selfservice ease have your Discover Card available, options or to speak with a Customer Service Account Manager Please assistance for hearing impaired) aired see reverse side . Write us at Discover Card, PO Box 30443, ( ' 5 ip ) Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Aug 17 Aug 17 INTERNET PAYMENT - THANK YOU $ -250.00 Balance Transfers Jul 27 Jul 27 BANK OF AMERICA XXXXXXXXXXXX7725 BT AZ 1,117.78 APR 0.00% EXPIRES 04/2004 _D1&C1f_ER__j Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Account number ending in 7091 Sign up today at Discovercom/paperless R @2009 Discover Bank, Member FDIC Closing Date: August 26, 2003 page 2 of 3 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03764% 13.74% V 13.74% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $7541.69 0.00000% 0.00% F 0.00% $0 $0 !previous billing period: 52 days Purchases $0 0.03764% 13.74% V 1174% $0 none The l ates that apply tp your Account are dither fixod (F) or they may vary (V) as rated above,- Questions? Manage your account at Discover.cam or f wiosing varet Account AV ust 26, -2003 _J nt number ending in 7091 9---- page 3 of 3 ? t shbock Bonus Award Summary Cashback Bonus Anniversary Date: June 26 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 Cashback Bonus Award Total 0.00 Cashback Bonus Award Balance 0.00 Award Available to Redeem $ 0.00 ? tf'ttiaps rapplyt® the Cashback Bonus Partner offersvisit Dlscaver,cotn or call 1-806-DISCOVER ]1.800.347-2683) for di al?s. or program details, see the Cashback Bonus Program Terms and Conditions. s? tfa?+ .,: i aF $9,882.99 $198.00 Enter Amount Enclosed Below Payment Due Date $ 1 October 25, 2003 please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 26 SOSNM01 0013015 BERRIER, KEL.BY D informapaperless and tion mation more more Go secure password- MOBILE curewith with E' S T protected statements only you can access. 128 SHI'PENSBURG Learn more at discover.com/paperiess. SHIPPENSBURG PA 17257-9534 PO BOX 71084 IIIu?IInu?Irlrllunl?Il CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space LdIII I III 11111ni1n111n11111r,11111r,Lr,11111111n1111.11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198667,8006599059D98829900000000019800 Discover Platinum Card Account Summary Closing Date: September 26, 2003 page l of 3 Account number ending in 7091 Previous Balance $7,372.34 Fayment Due Date October 25, 2003 Payments And Credits - 148.00 Minimum Payment Due $198.00 Purchases + 193.00 Credit Limit $10,000.00 Cash Advances + 2,385.00 Credit Available $117.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 80.65 Cash Credit Available $117.00 New Balance = $9,882.99 You may be able to avoid Periodic Finance Charges, see the reverse side for details- iCcashback Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.48 Everywhere Else + 0.00 shback BonusO ;Anniversary 4 Cashback Bonus Balance $ 0.48 is Month: June K,kep using your Discover(R) Card and watch }rc:ur Cashback Bonus(R) award growl Etememb ,r, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the !Account Center at Discov errcard com. ` y "IIOW Can We Il@I{p YOU? 1 • Visit Discover.com to pay your bill for no cost, view your l t t A nt i f ti and d d d ItIs your choke _ 3 ways to help es ccou a n orma on, earn an re eem rewar more s 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service P1c9ase have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 17 Sep 17 INTERNET PAYMENT - THANK YOU $ .148.00 Services Sep 21 "Sep 2 T ` CALLING CARD KING 8185007135 CA 20:00 Cash Advances Sep 20 Sep 20 WESTRN UNION*CALL CASH 800.525.3403 MO 1,507.00 Sep 20 Sep 20 CASH ADVANCE TRANS FEE FINANCE CHARGE 45.21 Sep 22 Sep 22 WESTRN UNION*CALL CASH 800-525-3403 MO 878.00 Sep 22 Sep 22 CASH ADVANCE TRANS FEE FINANCE CHARGE 26,34 Madicall Services Sep 2,4 Sep 2,4 GARY S DAVIS DDS SHIPPENBURGPA 173.00 l(# m(? I: pays to a --, .11- 1 v -DI ? I Account number ending in 7091 Get added security with no paper trail tvlake your account information more secure with passworc-protected statements that only you can access. • Access up to 24 months of downloadable, printoble statements. • See your statement as soon as it's available raiher than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. t 11001MV Sign up today at Discove:com/paperless R 032009 Discover Ilan, Member FDIC Closing Date: September 26, 2003 page 2 of 3 information For You No payments. No penalties. No problem. Discover(R) AccountGuard(R) gives you the ability to put your payments and periodic finance charges on hold if you lose your job, take a leave of absence, become disabled, hospitalized, get married, divorcedy give birth, adopt a child, or move. Call 1-877-883-1959 to enroll! ***** Your purchase of AccountGuard is optiional. Whether or not you purchase AccountGuard will not affect your application for credit or the other terms of any existing credit agreement you have with us. Additional Disclosures. We will give you AccountGuard Terms and Conditions before you are required to pay. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under AccountGuard. You should carefully read the AccountOuard Terms and Conditions for a full explanation of the terms of AccountGuard. Simplify and Save! Use your Discover(R) Card to payoff high-rate balances today. You can save money and consolidate your debt into one convenient payment. Call 1-877-353.0985 to see if a Balance Transfer offer is available for you. Now you can use your Discover(R) Card at over 500 Bob Evans locations! You can enjoy Bob Evans home-style flavors in their kitchen or yours for breakfast, lunch or dinner. Take the time to enjoy a heartland tradition. Come home to Bob Evans and use your Discover Card. As a Discover(R) Cardmember, you can get cash quickly and easily-- just about anytime, anywhere. To find the nearest cash locations, select your P'.I.N., or to order Discover Card Cash Checks, call 1-800-DISCOVER (1-800-347-2683). And don't forget to visit us at Discovercard.com where you can also search for cash locations nearest you. For a list of our great Cashbock Bonus(R) Partners, login to the Account Center at Discovercard.com or call us at 1.877-YOUR-AWARD (1-877-968-7292). Go,paperless! Elect to stop receiving your Discover(R) Card statements by mail and receive them online only. You'll get an e-mail notification when your current Account statement is available and a printable version of your statement for your records. Visit Discovercard.com to enroll. finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $20.62 0.03764% 13.74% V 13.74% $0.24 $0 Casli Advances $,497.13 0.05751% 20.99% F 40.45% $8.86 $71.55 balance Transfers $7324.59 0.00000% 0.00% F 0.00% $0 $0 the rates that apply to your Account are either fixed (r•) or they may vary (V) as n6fed above, UeStiOnS? Monace your account at Discover.com or L9a6 R-. ?'?, .,. y ??.G. ACCOunt"number -ending in 7091 5epte?beEZ6,2001 page 3 of 3 Cash back Bonus o Award Summary Cashback Bonus Anniversary Dater June 26 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 0.48 Cashback Bonus Award Total 0.48 Cashback Bonus Award Balance ,Award Available to Redeem 0.48 0.00 R pp?trictions apps to the Cashback &anus Partlar: 5ffersvisit Discaver.com or call 1.800=DISCOVER (1-800-34.7<2683) fbr dif ils. for program de`fails,, see the Cashbac Bonus Program Terms and Conditions. D15'% V 93-- RE $9,770.49 26 SDSN6AOI0013016 BERRIER, KELLY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $19b.00V -ua 1 Enter Amount Enclosed Below Payment Due Date $ 1- I November 25, 2003 please make check pa able to Discover Platinum Card or pay online Q ?Iscovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 IIIif lIf nrl,l111to fill ll CHARLOTTE NC 28272-1084 111 11 Ill lr,111111,1lIll 11 If llllr,1 lr,h1Iullnl11IIll lIll 000001986618006599059097704900000000019600 Discover Platinum Card Account Summary Closing Date: October 26, 2003 page 1 of 2 Account number ending in 7091 Previous Balance $9,882.99 Payment Due Date November 25, 2003 Payments And Credits - 198,00 Minimum Payment Due $196.00 Purchases + 40.00 Credit Limit $10,000.00 Cash Advances + 0:00 Credit Available $229,00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 45.50 Cash, Credit Available $229.00 New Balance = $9,770.49 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.48 New Cashback Bonus This Period + 0.10 Everywhere Elsa + 0.00 CasfibackBonus(® Anniversary Cashback Bonus Balance $ 0.58 'Month: June Keep using your Discover(R) Card and watch your CashbackBonus(R) award growl Remember; once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 'Ways to half 2• Call 1.800-DISCOVER (347.2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, ForTDD (assistance For hearing impaired) sea reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 19 Oct 19 INTERNET PAYMENT -THANK YOU $ -198.00 Merchandise/Retail " Sep 29 Sep 29 ADVANCERX.COM 800-966=5772 TX 40.00 01237490DEP Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $231.82 0.0376,4% 13.74% V 1374% $2.61 $0 Cash Advances $2486.08 0.05751% 20.99% F 20.99% $,42,89 $0 Balance Transfers $7171.54 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above, V "0 tober-2 6, , 2003 Account'number ending in 7091 ' page 2 of 2 Cash back Bonus ° Award Summary Cashback Bonus Anniversary Date; June 26 Balance Previous Cashback Bonus Award Balance $ 0.48 Purchase Award This Period + 0.00 0.10 Cashback Bonus Award Total 0.58 Cashback Bonus Award Balance 0,68 Award Available to Redeem $ 0.00 efalls. r6r p og'ramI ails Abseelthe CashbaackgBonfussPr gram Terms and or nditionn0(?oDtSC®V@R (1-BOD-Bd •2883) for 57?_, Yi? $9,522.35yv 26 SDSN6A01 0013017 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $193.00 Enter Amount Enclosed Below Payment Due Date $ ?- -1 December 25, 2003 Please make check payable to Discover Platinum Card or pay online Q [J iscovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 III111II11111I1I1II1111I1II CHARLOTTE NC 28272-1084 III 1111111 111 111 [111 1] 1 111111 11111111 1111111111] 000001986618006599059096223600000000019300 Discover-Platinum Card Account Summary Closing Date: November 26, 2003 page 1 of 1 Account number ending in 7091 Previous Balance $9,770.49 Payment Due Date December 25, 2003 Payments And Credits 196.00 Minimum Payment Due $193.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $377,00 Balance Transfers + 0 00 Cash Credit Limit $5,000.00 Finance Charges + . 47.87 Cash Credit Available $377.00 New Balance = $9,622.36 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback$onue Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.58 Cashback Bonus® Anniversary Month: June Keep using your Discover(R) Card and watch your Cashback'Bonus(R) award grow! Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard,com. How Can YY a HI:It? You? 1 , Visit Discover.com to pay your bill for no cost, view your 1' 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 3. Write us City, 8 Card, PO Box 30943, (assistance for hearing impaired) see reverse side Salt Lake City, UT T $4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 20 Nov 20 INTERNET PAYMENT -THANK YOU $ •196.00 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic R t PERCENTAGE RATES PERCENTAGE FINANCE FINANCE a es RATES CHARGES CHARGES current billing period: 31 days Purchases $237.18 0.03764% 13.74% V 13.74% $2.76 $0 Cash Advances $2530.06 0,05751% 20.99% F 20.99% $45 11 $0 Balance Transfers $6982.08 0.00000% 0.00% F 0.00% . $0 $0 The rates that apply to your Account are either fix@d (F) or they may vary (V) as noted above. Iork vniir cn Rm+o Tn4-1 AA.,..e r- I-I. ?' u ° ; ., V $9,471.08 j $190.00 Payment Due Date January 26, 2004 27 SDSNGA01 0013018 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below $F Please make check 6a yable 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.comfpaperiess. PO BOX 71084 11111.111IN 11111 tlu?lll CHARLOTTE NC 28272-1084 IrIIII IIII 111111,1111111111111111111fill 1111111111h1111fill 000001986618006599059[194710800000000019000 Discover Platinum Card Account Summary Closing Date: December 27, 2003 page 1 of 1 Account number ending in 7091 Previous Balance $9,622.36 Payment Due Date January 26, 2004 Payments And Credits 200.00 :Minimum Payment Due $190.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $528,00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 4872 'Cash Credit Available $528.00 New Balance $9,471.08 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + G.00 Cashback Bonus Balance $ 0.58 Cashback BonusO Anniversary Month: June I: Keep using your Discover(R) Card and watch : your`Cashback Bonus(R) award grow! `Remember, once your Cashback Bonus !award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 Ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date ;Payments and Credits Dec 18 Dec 18 INTERNET PAYMENT -THANK YOU $ -200.00 (Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES }current billing period: 31 days Turchases $239.96 0.03764% 13.74% V 13.74% $2.80 $0 Cash Advances $2575.56 0.05751% 20.99% F 20.99% $45.92 $0 'Balance Transfers $6765.82 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. a_.- ....-A ie „,,,,., -16.4 fk. P.-k- ("-l,k-6 Q-.........,,..t 1VaVV DUIU U VERT $9,320.65 27 SDSN6A01 0013019 BERRIER, KELBY U MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 rvunuiwni ruynicm vuo r,?a,win i??niuci cr na i l i i . we . $187.00 Enter Amount Enclosed Below Payment Due Date $ F February 26, 2004 Please make check payable to Discover Platinum Card or pay online Q Discovercard•com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 111111111111111111111111111 CHARLOTTE NC 28272-1084 11111111111111111111111111111111111111111.1InI1111uIullluII 000007198661500659905909320650000000007,8700 Discover Platinum Card Account Summary Closing Date: January 27, 2004 Account number ending in 7091 Payment Due Date February 26, Minimum Payment Due $187.00 Credit Limit $10,000.00 Credit Available $679.00 Cash Credit Limit $5,000.00 Cash Credit Available $679.00 page 1 of 1 Previous Balance $9,471.08 2004 Payments And Credits - 200.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 49.57 New Balance _ $9,320.65 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $' 0.58 New Cashback Bonus This Period + 0.00 Cashback Bonus(® Anniversary Month: June Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. Cash6ack Bonus Balance 0.58 How Can We Help 1. Visit Discover.com to pay your bill for no cost, view your P You? latest Account information, earn and redeem rewards and more It's your choice - 3 Ways to help -2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD 3. Write us at Discover Card, PO Box 30943, (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 21 Jan 21 INTERNET PAYMENT -THANK YOU $ -200.00 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Bala c Periodic R PERCENTAGE RATES PERCENTAGE FINANCE FINANCE n es ates RATES CHARGES CHARGES current billing period: 31 days Purchases $242.78 0.03764% 1374% V 13.74% $2.83 $0 Cash Advances $2621.88 0.05751% 20.99% F 20.99% $46.74 $0 Balance Transfers $6585.17 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Aftount are ether f!xncl (F) or t hey May vary (V) as noted above. Inck Ynur (7) P,te. T-A-1 AA-,,- r.. 4. - 1..,.1: -- r r% •tl_ n:,_ _ _.._ _. n. i ,. r 1 rt $9,171.09 -- 27 SDSN6A01 0013020 BERRIER, KEL.BY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 _... - - - ... _..., ... ... . .......... $184.00 Enter Amount Enclosed Below Payment Due Date $ 1 March 26, 2004 Please make check pa able to Discover Platinum Card or pay online Q 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 1111. 1111 NJ 11 CHARLOTTE NC 28272-1084 Address; e-mail or telephone change? Print change in space above, or go to Discover.com, Print your e-mail address to receive important Account information and special offers. 00000198667,800659905909171090000000007,8400 'Discover Platinum Card Account Summary Closing Date: February 27, 2004 page 1 of 1 Account number ending in 7091 Payment Due Date March 26, 200x1 Minimum Payment Due $184.00 Credit Limit $10,000.00 iCreditAvailable $828.00 !Cash Credit Limit $5,000.00 Cash Credit Available $828.00 Previous Balance $9,320.65 Payments And Credits 200.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 50.44 New Balance = $9,171.09 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: June Cashback Bonus Balance 0.58 Keep using your Discover(R) Card and watch ,'your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com: 1. Visit Discovencom to pay your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways,to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selFsewice 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 TDB (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130 (Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date 'Payments and Credits Feb 19 Feb 19 INTERNET PAYMENT- THANK YOU $ -200.00 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $245.62 0.03764% 1374% V 13.7,4% $2.86 $0 Cash Advances $2669.02 0.05751 % 20.99% F 20.99% $47.58 $0 Balance Transfers $6372.27 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above. r e+ r nr >e? ,.,;+t . e.i«< +?Fo o +? c+n?+ o , ,, r ni--r(PI (--4 ct.,+e„,e.,+ -i-,.,ei., " - 27 3DMA01 0013021 BERRIER. KELBY 0 MOBILE EST 128 SHIPPENSBURG SHIPPEVSBURG PA 17257-9534 $181.00 Enter Amount Enclosed Below Payment Due Date $ April 26, 2004 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 lllri,lleuul?lln?lnolll CHARLOTTE NC 28272-1084 L1Li11J11r1111111111i111,11111i1Ji?i11L11L1111i1J11i111 address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to ?eceive important Account information and special offers. 000001986618006599059090190900000000018100 Discover PlIatinum Card Account Summary Closing Date; March 27, 2004 Account number ending in 7091 Payment Due Dai-e April 26, 2004 Odnirnum Payment Due $181.00 Credit Limit $10,000.00 Credit Available $980,00 Cash Credit Limil $5,000.00 Cash Credit Available $980.00 page 1 of 1 Previous Balance $9,171.09 Payments And Credits 200.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 48.00 New Balance - $9,019.09 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + 0.00 Cashback BonusO Anniversary Month: June Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at ©iscovercard.com. Cashback Bonus Balance 0.58 7 H l Y C H ? 1. Visit Discovencom to a our bill for no cost, view our a an YV a p ow e ou latest Account inform tion, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self- service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD assistance for hearing impaired) sea reverse side ( Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 19 Mar 19 INTERNET PAYMENT -THANK YOU $ -200.00 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Races RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $248.40 0,03764% 13.74% V 13,74% $2.71 $0 Cash Advances $2715.45 0.05751% 20.99% F 20.99% $45.29 $0 Balance Transfers $6168.27 0.00000% 0.00% F 0.00% $0 $0 I'he rates that apply to your Account are either fixsd (F) or they may vary (V) as noted above, i-mi PnP PXr rriKir, NFW RA1 AN)rr- TRGNSFFR k&TrSi C_...,,,.,e.... A -- i;F„ i... ZZ)Q Y K .$. 8,187127 27 SDSN6A01 0013022 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 .......... .... _,..._...- I .- .._....-- -._-....--- $178.00 _ Enter Amount Enclosed Below Payment Due Date $ May 26, 2004 please make check payable to Discover Platinum Card or pay online Q Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comipaperless. PO BOX 71084 III111111if1111II1111111111 CHARLOTTE NC 28272-1084 IIII IIIII It11IlIIIIIIIIIIII.I IIIIIIIIII III II III I11I91IIIIIIIIII Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019866:L80065990590887127000000000117800 `Discover Platinum Card Account Summary Closing Date: Account number ending in 7091 Payment Due Date May 26; 2004 Minimum Payment Due $178.00 Credit Limit $10,000.00 Credit Available $1,128.00 !Cash Credit Limit $5,000.00 Cash. Credit Available $1,128.00 April 27, 2004 page 1 of 2 Previous Balance $9,019.09 Payments And Credits 200.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 52.18 New Balance - $8,871,27 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 0,58 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.58 Cashback Bonust5 Anniversary :Month: June !Keep using your Discover(R) Card and watch ;your Cashback Bonus(R) award grow! !Remember, once your Cashback Bonus !award is at least $20; you can redeem your award by calling us or by, logging into the 'Account Center at Discovercard,coom. NOW Can We Hel p You? 1. Visit Discover.com to pay your bill for no cost, view your l It's your choice - 3 ways to help atest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date 'Payments and Credits Apr 22 Apr 22, INTERNET PAYMENT -THANK YOU $ 200.00 'Information For You 'Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. FREE Additional Cards allow you to share your credit line without sharing your cardl Request FREE Additional Cards for your spouse, college student, or anyone close to you. You'll get a lot more out of your credit line! Just call 1-800.347-5537 or visit Discovercard.com today. Get up to 10% back on groceries with your Discover(R) Card. Plus, receive a Cashback Bonus(R) award on your other purchases. Sign up today •- call I SGQ-475.9161 or visit Discovercard.cont. This after only lasts through Junes. As a Discover(R) Cardmember, you can aet cash auickiv and easily - -t nkn ,t -A;_. ,,,,.,,,4-- T... 9;,.-1 .I-.. ___L { I I V E u pupa w .............. .._-.- . _ Account number ending in 7091 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 2.4 months of downloadable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. a, Sign up today at Discover.com/paperless ..:............ . .?? ?? ? oar .? ©2009 Discover Bank, Member FDIC Closing Date, April 27, 2004 page 2 of 2 GIFT SHOPPING MADE EASY. Discover(R) Gift Cards simplify gift giving for Spring holidays and events. Order now at Discovergiftcard.com. See terms and conditions for gift card purchases. Fees apply. Offer not valid to residents of CT, DC, MA, ME and NH. Lock Your CD Rate Today! Move fast to lock your Certificate of Deposit interest rate with Discover(R) Bank's fast, free and secure CD Electronic Deposit! It's the easy, safe way to fund a new CD or add funds to a maturing Discover CD directly from your bank account. Just call 1-800-347-7000 and mention code: SC0404PC. Member FDIC. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $251.23 0.03764% 1174% V 13.74% $2.93 $0 Promotional Purchases $0 0.00000% 0.00% F 0.00% $0 $0 Cash Advances $2762.70 0.05751% 20.99% F 20.99% $49.25 $0 Balance Transfers $5991.63 0.00000% 0,00% F 0,00% $0 $0 The rates thic t apply to your Aeourit are 6ith6r fired 2F) or they may vary (V) as noted above. 011P1qfir1 in8? hArinryna':vnnr nrrniint rrt niernvar_rnm nr $63.41 $10.00 27 S0SN6A01 0013023 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Payment Due Date June 26, 2004 Enter Amount Enclosed Below --- Please make check payable to Discover Platinum Card or pay online 0 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 111.111111111 11 11 1111111111 CHARLOTTE NC 28272-1084 111111111111tL11111111111111111111111111111pill] 1111 111111111 0000011986618006599059000634108871270001000 !Discover Platinum Card Account Summary Closing Date: May 27, 2004 ;Account number ending in 7091 :Payment Due Date June 26, 2004 Minimum Payment Due $10.00 Credit Limit $10,000.00 Credit Available $9,936.00 Cash Credit Limit $5,000.00 Cash Credit Available $5,000.00 page 1 of 1 Previous Balance $8,871.27 Payments And Credits - 8,871.27 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 63:41 New Balance - $63.41 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + 0.00 Cashback BonusO Anniversary 'Month: June Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus ,award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercord.com. Cashback Bonus Balance 0.58 ow Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more )t1s your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please h 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 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence, Trans. Post Date Date `Payments and Credits May 15 May 15 PAYMENT -THANK YOU $ ,8,871.27 Information For You Please note, the Traditional Cashback Bonus awarcl is now called the Purchase Cashback Bonus award. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3463.16 0.03764% 13,74% V 13.74% $39.10 $0 Promotional Purchases $0 0.00000% 0.00% F 0,00% $0 $0 Cash Advances $1408.97 0.05751% 20.99% F 20.99% $24.31 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Ruild vnnr Cnshhnrk Rnmidl?) mw-A wA -- hill vnii nnv ni f-fig--nl1-A -, N.--di), r-...a --L' 7, - wr ivcw ouiuncc rvununum rayniciu vue 50.00 $o 00 Payment Due Date July 26, 2004 27 SDSN6A01 0013024 BERRIER, KELBY D MOBILE EST 128 SHIPPENSIBURG SHIPPENSBURG PA 17257-9'534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. /'1Alcuum [VUUIUCl eiiuniy ?I I Vr 1 Enter Amount Enclosed Below $ 1 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 r,1,llerr1u,lll CHARLOTTE NC 28272-1084 If 1I,It,11[11[1111111,1l,1%11111If if III I[III III] III 111l1Inll 000001986618006599059030000000000000000000 Discover Platinum Card Account Summary Closing Date: June 27, 2004 page 1 of 1 Account number ending in 7091 Previous Balance $63.41 Payment Due:Date July 26, 2004 Payments And Credits 63.41 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $10,000.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 0.00 Cash Credit Available $5,000.00 New Balance = $0.00 Cashback Botluse Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0,58 Cashback BonusO Anniversary Month: June HOW Can We HI?I u? 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) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post' Date Date, Payments and Credits Jun 11 Jun 11 INTERNET PAYMENT - THANK YOU $ -63.41 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.03764% 1374% V 13.74% $0 $0 Promotional Purchases $0 0.00000% 0.00% F 0.00% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 previous billing period: 30 days Purchases $0 0.03;164% 13.74% V 13.74% $0 none The rates that apply to your Account are either fisted (F) oe they may vary (V) as hated above. fsc' _ $6,068.34 V SDSN6A01 0013025 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURGi PA 17257-9534 $122.00 Enter Amount Enclosed Below Payment Due Date $ December 26, 2004 please make check pa able to Discover Platinum Card or pay online @ Discovercard,com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 111111llr,urlrlir111111111 CHARLOTTE NC 28272-1084 LII11111111111111[11,1111111111111]1111nLJill III Jill III III 000001,98667,8006599059060683400000000012200 Discover Platinum Card Account Summary Closina Date: Account number ending in Payment Due Date Minimum Payment Due Credit Limit `Credit Available !Cash `Credit Limit Cash Credit Available November 27, 2004 page l of 2 7091 Previous Balance $0.00 December 26, 2004 Payments And Credits 0,00 $122.00 Purchases + 0.00 $10,000.00 Cash Advances + 0.00 $3,931.00 Balance Transfers + 6,010.14 $5,000.00 Finance Charges + 58,20 $3,931.00 New Balance $6,068.34 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0 5$ . New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.58 (Cashback BonusO Anniversary :Month: June Keep using your Discover(R) Card and watch ;your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. HOW Can YY a Hel You? 1 • Visit Discover.com to pay your bill for no cost, view your p 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) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Balance Transfers Nov 2 Nov 2 BALANC E TRANSFER CHECK 0320 $ 6 ,010.1,4 - - Nov 2- -Nov 2-- - SAL TRANS TRANSACTION-FEE--FINANCE-CHARGE- - - - 50.00 - - APR 1.90% EXPIRES 03/2005 Protect vnur noon crnA it Airinn this 6nsv HAirtnv -- Prn FiloPrnt-Op 1 hairs -'..,,n.,. - -,.Jt. _-- .-_,.: -i - _. ., ?w ?- r a pays TO [ cm 1_DI R_ I Account number ending in 7091 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. Get helpful payment reminders through e-mail or text messages on your mobile phone. Print a paper copy of your statement anytime. ?a o Sign up today at Discover.com/paperless ©2009 Discover Bank, Member MC Closing Date: November 27, 2004 page 2 of 2 Knance, Charge Summary ' Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES r,urrant billing period: 31 days Purchases $0 0.03970% 1449% V 14.49% $0 $0 icslh Advances $0 0.05751% 20.99°! F 20.99% $0 $0 BaPcince Transfers $5086.00 0.00521% 1.90% F 11.61% $8.20 $50.00 previous billing period: 30 days i'urchases, $0 0.03970% 14.49% V 14.49% $0 none ho ates that apply to your Account ore either fix&d (F) or they may vary (V) as hinted above: Questions? Manaae your accou nt at Discover.com or L kt ?e ' $5,947.76 27 SDSN6A01 0013026 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURO SHIPPENSBURG PA 17257-9534 $119.00 { Enter Amount Enclosed Below Payment Due Date $ January 26, 2005 please make check payable to Discover Platinum Card or pay online Q Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 (lln,llnn,l,lln,l?nlll CHARLOTTE NC 28272-1084 111111111111111111r11,7 1 11 11111111111111 111 11111 Nil 11 111 oil III 000001986618006599059059477600000000011900 Discover Platinum Card Account Summary Closing Date: December 27, 2004 Account number ending in 7091 Payment Due Date January 26, 2005 Minimum Payment Due $119.00 'Credit Limit $10,000.00 Credit. Available $4,052.00 Cash Credit Limit $5,000.00 !Cash Credit Available $4,052.00 page 1 of 1 Previous Balance $6,068.34 Payments And Credits - 130.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 9,42 New Balance - $5,94776 You maybe able to avoid Periodic Finance Charges, see the reverse !side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.58 Cashback Bonus® Anniversary Month: June Keep using your Discover(R) Card and watch !your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the !Account Center at Discovercard.com. HOW Can We I"?,e?p IOU? 1. Visit Discover.com to pay your bill for no cost, view your YY Help latest Account information, earn and redeem rewards and more ;It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. J. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130 .Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 21 Dec 21 i NTERNET PAYMENT -THANK YOU $ .130.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.04038% 14,74% V 14.74% $0 $0 Cash Advances $0 0.0:5751 % 20.99% F 20.99% $0 $0 Balance Transfers $6042.56 0.00521% 1.90% F 1.90% $9.42 $0 ,previous billing period: 31 days Purchases $0 0.03970% 14:49% V 14.49% $0 none The rates that apply to your Account are. either fixed (F) or they may vary (V) as slated above. 1?`?N?Y (LET"-' VEK 15,8OVIVII?:tl $5,838.30 27 SDSN6A01 0013027 BERRIER, KELEY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 IVIIIIIIII Lim ruptiwin uuC Y "VUIII IYUIIIVCI tlItUITItJ. III ? VT 1 $117.00 Enter Amount Enclosed Below - ---- Payment Due Date $ 1 February 26, 2005 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go toDiscover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 1111111X11111'111111'1111" CHARLOTTE NC 28272-1084 1t1111111111111111111111111111111111I1111111111111111i 11111111 00000719866180065990590583830000000000171700 Discover Platinum Card Account Summary Closing Date: January 27, 2005 page 1 of 1 Account number ending in 7091 Previous Balance $5,947.76 Payment Due Date February 26, 2005 Payments And Credits 119.00 Minimum Payment Due $117.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $4,161.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 9.54 Cash Credit Available $4,161.00 New Balance = $5,838.30 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.58 Cashback BonusO Anniversary Month: June !Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Hel You? p 1. Visit Discover.com to pay your bill for no cost, view your l It's your choice - 3 ways to help atest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast easy self -service Please have your Discover Card available: , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Ouarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 17 Jan 17 INTERNE T PAYMENT - THANK YOU $ -119.00 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balanc Periodic R t PERCENTAGE RATES PERCENTAGE FINANCE FINANCE es a es RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04107% 14.99% V 14.94% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $5910.16 0.00521% 1.90% F 1.90% $9.54 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted olobve: f i'* $-226.97 $0.00 Payment Due Date March 26, 2005 27 SDSN6AD1 0013D28 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below 1. Your account has a credit balance. No payment is due. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 111,n11ur,+i,ILrmill I111 CHARLOTTE NC 28272-1084 11111I111111111111111111111111111111I111111 11I1r1I111111 111111 000001986618006599059000000006068000000000 Discover Platinum Card Account Summary Closing Dater February 27, 2005 page 1 of l Account number ending in 7091 Previous Balance $5,838.30 !Payment Due Date March 26, 2005 Payments And Credits 61068.00 rMinimum Payment Due $0.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $10,000.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 2.73 ;Cash Credit Available $5,000.00 New Balance = $-226:97 Your account has a credit balance. No payment is due. Cashback Bonus's Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + 0.00 ;Cashback BonusO Anniversary Month: June Keep using your Discover(R) Card and watch (your Cashback Bonus(R) award growl ,Remember, once your Cashback Bonus !award is at least $20, you can redeem your ;award by calling us or by logging into the 'Account Center at Discovercard.com. Cashback Bonus Balance 0.58 I'IOW Can VY @ Help YOU? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3_Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence, Trans. Post Date Date 'Payments and Credits Feb 6 Feb 6 PAYMENT - THANK YOU Fintance Charge Summary $ .6,068.00 Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES ,current billing period: 31 days Purchases $0 0.0.1107% 14.99% V 1499% $0 $0 Cash Advances $0 0.05751 % 20.99% F 20.99% $0 $0 Balance Transfers $1694.51 0.00521% 1.90% F 1.90% $2.73 $0 The rates that apply to your Ac count are eith er fixed (F) or they tinayvatry (V) as noted above. 27 3DWA01 0013029 BERRIER, KELEIY D MOBILE EST 128 SH.IP'PENSBURG SHIPPENSBURG PA 17257-9534 Ivummum ruynrom we r,cwum 1Wmuai enumU m ivr 1 $0.00 J Enter Amount Enclosed Below Payment Due Date $ f ^-? April 26, 2005 Your account has a credit balance. No payment is due, A,cldress, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless: PO BOX 71084 111uIllrun111111tilltill CHARLOTTE NC 28272-1084 111 11 1111 11111111111 1111 11111 1111111 11111111] 111 fill 111[111111 000001986618006599059000000000000000000000 Discover Platinum Card Account Summary Closing Date: March 27, 2005 page 1 of 2 Account number ending in 7091 Payment Due Date April 26, 2005 Minimum Payment Due $0.00 Credit Limit $10,000.00 Credit Available $10,000.00 Cash Credit limit $5,000.00 Cash Credit Available $5,000.00 Previous Balance $-226:97 Payments And Credits 0.00 Purchases + 116.49 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance = $-110.,48 Your account has a credit balance, No payment is due. • Cashback Bonue Opening Cashback Bonus Balance $ 0.58 New Cashback Bonus This Period + 1.29 Everywhere Else + 0,00 'Cashback Bonus® Anniversary Cashback Bonus Balance $ 1.87 Month: June u y 'How Can We ilE!??1 YOU? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more lt's`your choice - 3ways to help 2. Cali 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. For TDD assistance for hearing impaired) see reverse side 1 9 3: Write us C Discover Card, PO Box 30943, S alt lake City, U7 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Mar 8 Mar 8 ELR ENTERPRISES SHIPPENSBURG PA $ 116.49 Information For You Call 1-800-767-7315 today or visit Discovercard.com to find out if you qualify For a valuable Balance Transfer offer. It's a Fast and easy way to save money! Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $0 0.04175% 15.24% V 15.24% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $0 0.00521% 1.90% F 1.90% $0 $0 previous billing period: 31 days Purchases $0 0.04107% 14.99% V 14.99% $0 none The rata's that apply to your Account are either fixed ('F) or t hey may vary (V) as 66ted obrove: n:J. _.. 1.?_:.. L-, _:r _-_J:a __J_ ___ !__a'_.. ..a.-1__ ?.._-.. ..__.O TLS 0__ :,.1__1D1 -__ L_L- UIIE?111%.,Ili TI-.K MargL1 ZQ05 Accoun# number ending in 7091 page 2 of 2 Cash back Bonus ®,Award Summary Cashback Bonus Anniversary Date: June 27 Balance Previous Cashback. Bonus Award Balance $ 0.58 Purchase Award This Period + 0.00 1.29 0.00 Cashback Bonus Award Total 1.87 Cashback Bonus Award Balance Award Available to Redeem 1.87 $ 0.00 Restrictions appI to the Cashback Bonus Partner offers visit Diswer,com or call 1-800-DISCOVER (1.800.3,47.2683) for datails Far p1.rarh details, see the Cashback Bonus Progi'ain Term's and Conditions. DNS-VC '-VR $140.63u,, o 27 8DSWA01 0013030 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $10.fl0 ur v V V ~ { v Enter Amount Enclosed Below Payment Due Date) $ May 26, 2005 Please make check payyable to Discover Platinum Card or pay online Q Discovercard.com, Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information` and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 INN III lid II CHARLOTTE NC 28272-10p84 111111111111111111111111111111111ul111111 ki I III I11 III III] III DD00019866180D6599D59001906300000000001000 Discover Platinum Card Account Summary Closing Date: April 27, 2005 page 1 of 2 Account number ending in 7091 Previous Balance $ 1 10.48 Payment Due Date May 26, 2005 Payments And Credits 75.00 Minimum Payment Due $10.00 Purchases + 376.11 Credit Limit $10,000.00 Cash Advances + 0.00 Credif Available $9,809.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 0.00 ash Credit Available $5,000.00 New Balance = $190.63 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 1.87 New Cashback Bonus This Period + 2.75 Everywhere Else + 0.00 Cashback Bonus(D Anniversary Cashback Bonus Balance $ 4.62 Month: -tune )peep using your Discoverik) Card and watch i )"Our Cashback Bonus(R) award growl F,0member, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the t,,ccount Center at Discovercard.com. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more IttS_yOUC ChOICe ' 3 Ways 1O help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available, 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr 21 Apr 22 CONSUMERDISCOUNTRX.COM MORRISON CO $ -75.00 Merchandise/Retail Mar 31 Mar 31 CC *UBID 888400.8243 IL 115.09 C9465953 Apr l Apr 1 CLKBANK*COM DOWNLOAD 800-390.6035 ID 39,95 238951957091 Apr 14 Apr 14 CONSUMERDISCOUNTRX.COM MORRISON CO 5.95 Apr 14 Apr 14 CONSUMERDI5COUNTRX.COM MORRISON CO 75.00 Apr 14 Apr 14 CONSUMERDISCOUNTRX,COM MORRISON CO 9.95 Apr 22 Apr 22 URBAN NUTRITION INC. HOBOKEN NJ 6.95 Apr 23 Apr 23 COL*HOUSE DVD CLUB 800-262-2001 IN 43.76 03767501 Apr 25 Apr 25 ENTERTAINMNT*COUPONBOO 800-285.5525 MI 15.00 Travel/Entertainment Apr 26 Apr 26 BLOCKBUSTER ONLINE 18666922789 TX 10.59 Home Improvement Apr 16 Apr 16 LOWE'S 1710 CARLISLE PA 53.87 ,.,. r ,I . , - _ n n _I..__ .._......:_I. _[:-1__-. i1-_a __-1 _-_J:? [.._.. 1 ...:, n.. r, n - . -D-5-c 1 Account number ending in 7091 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than wart for it to arrive in your, mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discover.com/poperless F, @2009 Discover Bank, Member FDIC Closing Date: April 27, 2005 page 2 of 2 :I'nformation for You ,FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE ;Additional Cards for those close to you to help with daily shopping and errands and to use as credit resource in case of emergency. Call 1.800-DISCOVER or visit Discovercard.com/AdditionalCords today. Paperless statements can jumpstart your spring cleaning! Get rid of the excess paper in your life by receiving your Discover(R) Card statements online instead of by mail. You'll get an e-mail letting you know when your statement is ready to view online. You can even pay your bill online while you're there. Go to Discovercard.com to sign up. '25%0 of credit reports contain errors serious enough to result in denial of credit ("Mistakes Do Happen: a look at errors in consumer credit," Nat'l Assoc. of State PIRGs, June 04). ProfileProtect(R) is a comprehensive service that helps you monitor & manage your credit. Enroll today at ProfileProtect.com/control ,Use your Discover(R) Card to make a $100 donation to The Statue of Liberty-Ellis Island Foundation, Inc. and you can have jthe name of someone you care about engraved on The American Immigrant Wall of Honor(R), built to celebrate freedom ;and commemorate American Dreams. For more information log on to Discovercard.com. America's #1 Credit Card Rewards Program. Get a Cashback Ronus(R) on all your purchases with unlimited earnings. Then double your reward with gift cards or certificates from DiscoverCard Partners such as BLOCKBUSTER(R), FTD.com and The Sharper image(R). ;finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04244% 15.49% V 15.49% $0 $0 iCash Advances $0 0.05751% 2099% F 20.99% $0 $0 previous billing period: 28 clays Purchases $0 0.04175% 15.24% V 15.24% $0 none The rates that apply to your Aecouttt are either fixod.(F) or they may vary M at noted above. Questions? Manage your account at Discover.com or 27 SDSN6A01 0013031 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBIJRG SHIPPENSBURG PA 17257-9534 _ _ Enter Amount Enclosed Below Payment Due Date June 26, 2005 Please make check payable to Discover Platinum Card or pay online Q D!scovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpapertess. PO BOX 71084 11111rll111If ir11ntill r111 CHARLOTTE NC 28272-1084 111 111) r,9It rlr1)11111,1r)rIf 1)1If If Ir,if ,1r,11ulu1nlr1[111 Address, e-mail or telephone change? Print change in space above; or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001198661800659905900592640000000000],200 Discover Platinum Card Account Summary Closing Date: May 27, 2005 Account number !ending in .7091 Payment Due Date June 26, 2005 Minimum Payment Due $12.00 Credit limit $10,000.00 Credit Available $9,407.00 Cash Credit Limit $5,000.00 Cash Credit Available $5,000.00 page 1 of 2 Previous Balance $190.63 Payments And Credits 256.43 Purchases + 658.44 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance = $592.64 You may be able to avoid Periodic Finance Charges, seethe reverse side for details. Cashback Bo11uSe Opening Cashback Bonus Balance $ 4.62 New Cashback Bonus This Period Cashback Bonus® Since Anniversary Month June: $12.53 Keep using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discoverccird.com. + 8.49 Everywhere Else + 0.00 Cashback Bonus Balance $ 13.11 HOW Can We Hel YOU? I • 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 Nays to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self service Please have your Discover Card available, options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post . Date Date Payments and Credits Mayo May 5 COL*HOUSE VIDEO CLUB 800-262-2001 IN $ .17.96 . 50419473322. Mayo May5 COL*HOUSE VIDEO CLUB 800-262-2001 IN -12.66 50,419473322 May 4 May 5 COL*HOUSE VIDEO CLUB 800.262-2001 IN -13.14 50,419,473322 May 6 May 6 INTERNET PAYMENT - THANK YOU -192.67 May 13 May 20 GI JOE'S RADIO ELECT RICHMOND KY -20.00 Merchandise/Retail Apr 27 Apr 28 INKBLVD 818-9900991 CA 45.80 May 9' May 9 CARFAX VEHICLE HISTORY 877.429-6148 VA 24.99 CP20050508180918 May 13 May 13 MULLANEY GIFTS 408.971-6651 CA 110.00 May 16 May 16 BESTNEST.COM 513-2324225 OH 31.96 Travel/Entertainment Moy 25 May 25 BLOCKBUSTER ONLINE 18666922789 TX 15.89 Services May 12 May 12 GI JOE'S RADIO ELECT RICHMOND KY 334.90 May 13 May 13 GI JOE'S RADIO ELECT RICHMOND KY 94.90 Sul Your Savinos on YOUR Schadnlal CInA„ n nier,nvor Rnr,L gin,,,,.,,, &A-1'_x n___.:_, -_r _:__ .._ c_.. ,._.._, U, P s t 1K ( " r 1 Account'number ending in 7091 L__. Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downlocidable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom /paperless ©2009 Discover Bonk, Member FDIC Closing Date: May 27, 2005 page 2 of 2 Information For You Call 1.877-353-0986 today or visit Discovercard.com to find out if you qualify for a valuable Balance Transfer offer. It's a Fast and easy way to save moneyl The Discover(R) Gift Card is a-festive; prepaid card that works just like a credit card - at malls, online and most everywhere the Discover Card is welcomed. The Discover Gift Card is the perfect gift for everyone and every occasion, so your gift-giving possibilities are endless. And think of the time you'll save shopping and gift-wrapping. Increase Your Cashback Bonus(R) By Paying Your Bills. Getting rewarded for paying your bills has never been easier. Just contact the companies that you pay on a regular basis to have your bills automatically charged to your Discover Card. Build your Cashback Bonus(R) with each payment- unlimited earnings without hidden fees. FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as credit resource in case of emergency. Call 1.800-DISCOVER or visit Discovercard.com/AdditioncICarcis today. li Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES' current billing period: 30 days Purchases $0 0.04244% 15.49% V 15.49% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 previous billing period: 31 clays Purchases $0 0.04244% 15.49% V 15.49% $0 none The rates that apply to your Account are either Fixed (F) ar they may vary (V) ds noted above, Questions? Manage your account at Discover.com or $15.89 27 SDS N6Ml 0013032 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPEI4SBURG PA 17257-9534 v n urnom vu nwuuni vuuivv. viewF,y ui ? v? $10.00 Enter Amount Enclosed Below Payment Due Date $) July 26, 2005 Please make check payyable to Discover Platinum Card or pay online ? Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover,com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 111u111 111111 ,111111111111 CHARLOTTE NC 28272-1084 11111 111111111111 111 1 ,1 1 11 111 1111111191 1 11 1 1111111 11 1111111111 0000019866180065990590001,58900000000001000 (Discover Platinum Card Account Summary Closing Date: June 27, 2005 page 1 of 1 Account number ending in 7091 Previous Balance $592.64 Poyment Due Date July 26, 2005 Payments And Credits 592.64 MilnimumPayment Due $10:00 Purchases + 15.89 C'3 edit Limit $10,000.00 Cash Advances + 0.00 Credit Available $9,984:00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 0.00 Cash Credit Available $5,000.00 New Balance $15.89 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cas{lbock Bolnue Opening Cashback Bonus Balance $ 13.11 New Cashback Bonus This Period + -0.24 Everywhere Else + 0.00 Cashback Bonus(D Since Anniversary Month Cashback Bonus Balance $ 12 87 June: $12.29 . Kemp using your Discover(R) Card and watch your Cashback Bonus(R) award grow! Remember, once your Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.com. How Can We Help You? p r. Visit Discover.com to pay your bill for no cast, view your l Ac f : atest count in ormation, earn and redeem rewards and more It's y ur choke - 3 Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service !ease 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 8[1130 Transactions $0 Fraud' Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 2 Jun 3 MULLANEY GIFTS 408-971-6651 CA $ -110.00 - Jun 8 Jun 8 INTERNE T PAYMENT - THANK YOU ._....482.64 Travel/Entertainment Jun 25 Jun 25 BLOCKBUSTER ONLINE 18666922789 TX 15.84 - Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04312% 15.74°! V 15.74% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 previous billing period: 30 days Purchases $0 0.04244% 15.49% V 15.49% $0 none The rates that apply to your Account are either fixbd (F) or they may vary (y) css noted above. Cn!I 1_Af1(S.7A7.711 A f-l-,,, A, i+r); -,,,,a.,. A - +„ F;..a ,.,.+;F.,,,,, _..I,c, r LADE' ` m' $15.89 $10.00 Payment Due Date August 26, 2005 27 SDSN6A01 0013033 BERRIER, KELIBY D MOBILE EST 128 SHIPPENS13URG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above,br:go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below 1 -1 Please make check payable to Discover Platinum Card or pay online Q Discoyercard.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 I111u1111111 1111 1111111111 CHARLOTTE NC 28272-1084 III 1 11111 111111 11 111 111 Id III III III III 11111 11 lift I] 11111111111 000001986618006599059000158900000000001000 `Discover Pliatinum Card Account Summary Closing Date: July 27, 2005 page 1 of 2 Account number ending in 7091 Previous Balance $15:89 Payment Due Date August 26, 2005 Payments And Credits 66'74 (Minimum Payment Due $10.00 Purchases + 66:74 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $9,984.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 0.00 Cash Credit Available $5;000,00 New Balance - $15.89 You may be able to avoid Periodic Finan ce Charges, see the reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 12.87 New Cashback Bonus This Period + 0.17 Everywhere Else + 0.00 ;Cashback Bonus(D Anniversary (Month: June Cdshbaclc Bonus Balance $ 13.04 How Can We Help You? h 1. Visit Discover.com to pay your bill for no cost, view our l t t A n i fo It's your choice - 3 ways to help a es ccou t n rmation, earn and redeem rewards and more 2. Call 1-800•DISCOVEP (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 dssistance'for hearin 3. Write us at Discover Card, PO Box 3094.3, g impaired) see reverse side Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date ,Payments and Credits. Jul 18 Jul 18 INTERNET PAYMENT - THANK YOU $ -66.74 'Merchandise/Retail Jul 2 Jul 2 TRUECREDIT SAN LUIS OBI CA 50.85 Travel/Entertainment Jul 25 Jul 25 BLOCKBUSTER ONLINE 18666922789 TX 15.89 Information For You Call 1.877-353-0941 today or visit Discovercard.com to find out if you qualify for a valuable Balance Transfer offer. It's a fast and easy way to save money! Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily B l Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a ances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.0%:312% 15.74% V 15.74% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 ,previous billing period: 31 days ,Purchases $0 0.04312% 15.74% V 15.74% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above, TRANSFER BALANCES - Call- 1.877-353.0941 today or visit Discovercard.eom to sae whet RA-. Tr., J., -i+ y? V.,wsmg Vure: 4 "" u?b" Ju( 27 2005 Accountlnumber ending in 7091 - Y--------J page 2 of 2 ®.oshbeck Bonus o Award Summary C.ashback Bonus Anniversary Date: June 27 Balance Previous '12'ashback Bonus Award Balance $ 12.87 Purchase Award This Period + 0.00 0.17 C:ash'back Bonus Award Total 13.04 Cashback Bonus Award Balance 13.04 Award Available to Redeem $ 0.00 RIstrictions apply to the Oathbuck Bonus Partner offers visit Discover.com or call 1.900-DISCOVER (1-800.347-2683) for d tails. For program details, see the Cashback Bonus Program Terms and Conditions. IJ,1?Z) , '.' t K $0.00 $0.00 Payment Due Date September 26, 2005 27 SDSN6A01 0013034 BERRIER, KEL;BY D MOBILE EST 12B SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Enter Amount Enclosed Below 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 1Ilr.i11111If If III] IInIIII CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618006599059000000000000000000000 'Discover Platinum Card Account Summary Closing Date-, August 27, 2005 page d of 1 Account number ending in 7091 Previous Balance $15.89 Payment Due Date September 26, 2005 Payments And Credits 64.29 Minimum Payment Due $0.00 Purchases + 48.40 ,Credit Limit $10,000.00 Cash Advances + 0.00 Credit` Available $9,981_00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 0,00 Cash Credit Available $5;000:00 New Balance _ $0.00 Cashback Boitue Opening Cashback Bonus Balance $ 13.04 New Cashback Bonus This Period + 0.12 Cashback Bonus Balance $ 13,16 Cashback Bonus® Anniversary Month: June How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more trs your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, ;For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence, Trans. Post Date Date Payments and Credits Aug 22 Aug 22 INTERNET PAYMENT- THANK YOU $ -64.29 Services Aug 10 Aug 10 SPRINT ONLINE PAYMENT OVERLAND PARKKS 48:Q0 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0,04381% 15.99% V 15.99% $0 $0 Cash Advances $0 0,05751% 20.99% F 20.99% $0 $0 previous billing period: 30 days Purchases' $0 0.04312% 15.74% V 15.74% $0 none Tho rates that apply to your Account are either fixed (F) or they may very (V) as fisted above. D'SC '` $59. oaiance $59.02 27 SDSN6A01 0013035 BERRIER, KELB'e D MOBILE EST 128 SHIPPENSBIRG SHIPPENSBURG PA 17257-9534 rvunimum roymenr vue r ceaum rvurnaer enamg in i v7 r $10.00 _ Enter Amount Enclosed Below Payment Due Date $1 October 26, 2005 Please make check payyqble to Discover Platinum Card or pay online @ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 11111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I I (( ] I I( I I I(II I I I) I I I II above, or go to D scover.com. Print your e-mail address to receive important Account information and special offers. 000001986618006599059000590200000000001,000 Discover Platinum Card Account Summary Closing Date: September 27, 2005 Account number ending in ,7091 Payment Due Date October 26, Minimum Payment Due $10.00 Credit Limit $10,000.00 Credit Available $9,940.00 Cash Credit Limit $5,000.00 Cash Credit Available $5;000.00 page 1 of 1 Previous Balance $0.00 2005 Payments And Credits 0.00 Purchases + 59.02. Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance _ $59.02 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 13,16 New Cashback Bonus This Period + 0.15 Cashback BonusO Anniversary Month: June Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback "Bonus on all your other purchases. Cashback Bonus Balance $ 13.31 How Can We Hel You? p 1 • Visit Discover.com to pay your bill for no cost, view your l It"s your choice - 3 ways to help atest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available, options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Sep 8 Sep 8 ENTERTAINMNT*COUPONBOO 800.285-5525 MI $ 30.00 Sep 10 Sep 10 TRUECREDIT SAN LUIS OBI CA 9.95 Travel/Entertainment Aug 26 Aug 28 BLOCKBUSTER ONLINE 18666922789 TX 19.07 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily B l Periodic PERCENTAGE PERCENTAGE FINANCE: FINANCE a ances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04449% 16.24% V 16.24% $0 $0 Cash Advances $0 0.05751 % 20.99% F 20.99% $0 $0 previous billing period: 31 days Purchases $0 0.04381% 15.99% V 15.99% $0 none The raft that apply to your Account are either fixed (F) o'r they may vary (V) as noted above, $0.00 $0.40 Payment Due Date November 26, 2005 27 SDSN6A01 0013036 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below 1 1 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovencomlpaperless. PO BOX 71084 111,rr11'r1If IrI'III III III CHARLOTTE NC 28272-1084 Ir,hllulIf IIII IIf III rlrlrulllhnIII lnl„1lrrlrilrrl,lr,ll 000001986618006599059000000000000000000000 'Discover Platinum Card Account Summary Closing Date: October 27, 2005 page l of 2 Account number ending in 7091 Previous Balance $59.02 Payment Due Date November 26, 2005 Payments And Credits 59.02 ,Minimum Payment Due $0.00 Purchases + 0.00 --redit Limit $10,000.00 Cash Advances + 0.00 'Credit Available $10,000.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 0.00 Cash Credit Available $5,000.00 New Balance _ $0.00 Cashback Bonue Opening Cashback Bonus Balance $ 13.31 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 13,31 Cashback BonusO Anniversary Month: June How Can We Hel You? p 1. Visit Discover.com to pay your bill for no cost, view your l ft's your choice - 3 ways to help atest Account information, earn and redeem rewards and more 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 ance for hearing (assist g impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 16 Oct 16 INTERNE T PAYMENT -THANK YOU $ -59.02 finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE FINANCE CHARGES CHARGES current billing period: 30 days Purchases $0 0.04518%0 16.49% V 16.49% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 previous billing period: 31 days Purchases $0 0.04449%a 16.24% V 16.24% $0 none The rates that apply to your Account are either fixed {F) or they may vary (V) as noted above, ng F 6,loslrlg VGre. ?, ',10 "4 -I e _Oct r 27, 200 J Account number ending in 7091 page 2 of 2 Casm ck Bonus o Award Summary Cashback Bonus Anniversary Date: June 27 Balance Previous Cashback Bonus Award Balance $ 13.31 Purchase Award This Period + 0.00 Cashback Bonus Award Total 13.31 Cashback Bonus Award Balance 13.31 Award Available to Redeem $ 0.00 Rtpatrieti?ns gpply to fh Cashback Bonus Partner offerrgisit Dise6var.com or dill 1.8600SCOVER (1-800-3A7.2683) for sdt fairs, Por program efails, see the Cashback Bonus rogrom Terms and Conditions. a,Mn e11.,,, $975,18 27 SDSN6A01 0013037 BERRIER, KELBY D MOBILE EST 1.28 SHIPPENSBURG SHIPPENSBURG PA 17257-9534, $20.00 Enter Amount Enclosed Below Payment Due Date $ 1 1 December 26, 2005 Please make check payyable to Discover Platinum Card or pay online Q Discovercard.com. Address„ e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 111,11111 IuH1111111111i111 CHARLOTTE NC 28272-1084 If 11111 1111111 111 1111111 1111111111111 111 oil r,11r,1111u1111111 000001986618006599059009751800000000002000 Discover Platinum Card Account Summary Closing Date: November 27, 2005 Account number ending in 7091 Payment Due Date December 26, Minimum Payment Due $20.00 'Credit Limit $10,000.00 ;Credit Available $9,024.00 Cash Credit Limit $5,000.00 Cash Credit Available $5,000.00 page 1 of 1 Previous Balance $0.00 2005 Payments And Credits 0;00 Purchases + 975.18 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance _ $975.18 You may be able to avoid Periodic Finance Charges, seethe reverse side for details. Gash6ack Bonus' Opening Cashback Bonus Balance $ 13.31 New Cashback Bonus This Period + 2:44 ,Cashback Bonus( Anniversary Month: June Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5%Cashback Bonus on Get More purchases in popular categories throughout the year and up to 11% Cashback Bonus on all your other purchases. Cashback Bonus Balance $ 15.75 f"1O1M Can We Help YOU? 1 • Visit Discovercom to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service ilPleose 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 8,4130 i. !'transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date (Merchandise/Retail Nov 1 Nov i CIRCUIT CITY SS #3720 MECHANICSBURGPA $ 975.18 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04518% 16.49% V 16.49% $0 $0 ,Cash Advances $0 0,06751% 20.99% F 20.99% $0 $0 ;previous billing period: 30, days `Purchases $0 0.04518% 16.49% V 16.49% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Dt',SCUVER, ,uiu„wv $980 .78 27 SDSN6A01 0013038 BERRIER, KELB'Y D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $20.00_ Enter Amount Enclosed Below Payment Due Date $ January 26, 2006 Please make check payable to Discover Platinum Card or pay online Q Discovercard.com. Address, e-mail or telephone change? Print change in space. above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 11111111111 fill 111111111111 CHARLOTTE NC 28272-1084 (11111111111111111111111111111111111111111111 11111111111111111 000001986618006599059009807800000000002000 Discover Platinum Card Account Summary Closing Date: December 27, 2005 page 1 of 1 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit. Limit Cash Credit Available .7091 Previous Balance $975.18 January 26, 2006 Payments And Credits 20.00 $20.00 Purchases + 0.00 $10,000.00 Cash Advances + 0.00 $9,019.00 Balance Transfers + 0:00 $5,000.00 Finance Charges + 25.60 $5,000,00 New Balance - $980.78 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 15.7$ New Cashback Bonus This Period + 0.00 Cashback Bonus(5 Anniversary Month: June Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. Cashback Bonus Balance 15.75 How Can We Hel YOU7 I • 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) see reverse side 3. Write us at Discover Card; PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 23 Dec 23 INTERNET PAYMENT -THANK YOU $ -20.00 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic R t PERCENTAGE RATES PERCENTAGE FINANCE FINANCE a es RATES CHARGES CHARGES current billing period: 30 days Purchases $990.41 0.04586% 16.74% V 16.74% $13.63 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 previous billing period: 31 days Purchases $854.36 0.04518% 16.49% V 16.49% $11.97 none The rates that apply to your Account are either fixed (r) or they may vary (V) as noted above $934.75 27 SDSNGA01 0013039 BERRIER, KELIBY D MOBILE EST 128 SHIPPENS13URG SHIPPENSBURG PA 17257-9534 $19.00 Enter Amount Enclosed Below Payment Due Date $ F February 26, 2006 Please make check payable to Discover Platinum Card or pay online Q Discovercard,com. Address, e-mail or telephone change? Print change in space above, or go toDiscover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 Illn?llnu?lr{In?l„?III CHARLOTTE NC 28272-1084 L?lill,i{u?lill?n{nl?lnillll,?il??lE,liilli?liiliil?l?ill 00000198661800659905900954750000.0000001900 'Discover Platinum Card Account Summary Closing Date: January 27, 2006 Account number ending in 7091 Payment Due Date February 26, Minimum Payment Due $19.00 Credit Limit $10,000.00 Credit Available' $9,065.00 Cash Credit Limit $5,000.00 ';Cash Credit Available $5,000.00 page 1 of2 Previous Balance $980,78 2006 Payments And Credits 60.00 Purchases + 0.00 Cash Advances + 0.00 Balance' Transfers + 0.00 Finance Charges + 13.97 New Balance = $934.75 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonue Opening Cashback Bonus Balance $ 15.75 New Cashback Bonus This Period ShopDiscover & Promotional + 5.00 Everywhere Else + 0;00 Cashback Bonuse Since Anniversary Month ,,tune: $7.88 Cashback Bonus Balance $ 20.75 'How Can We Hel You? p 1 • Visit Discover.com to pay your bill for no cost, view your l It's your choice - 3 ways to help atest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 18 Jan 18 INTERNE T PAYMENT -THANK YOU $ -60.00 Information For You Pay your household bills with your Discover(R) Card. Phone. Cable. Subscription services. And more. It's a great way to save time while building your Cashback Bonus(R). Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make.A•Wish - Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE FINANCE CHARGES CHARGES current billing period: 31 drys Purchases $968.26 0.04655% 16.99% V 16.99% $13.97 $0 Cash Advances $0 0.0;5751 % 20.99% F 20.99% $0 $0 The'rat2s that apply to your Account are githet fined (F) or they may vary (V) as noted shave, 1 Uosing Uare: o?nni?n, hLLO i u Account number ending in 7091 January_.27,20 6-- i page 2 of 2 ashback Qanus ® Award Summary Cashback Bonus Anniversary Date: June 27 Balance Previous Cashback Bonus Award Balance $ 15.75 Purchase Award This Period + 0.00 ShopDiscover & Promotional 5.00 Cashback Bonus Award Total 20.75 Cashback Bonus Award Balance Award Available to Redeem 20.75 $ 20.00 5eatristiaq?s apply to the Cashback Barlus f artfler off@rs visit bi3cove-r.com or call 1-800-01SCOVBB (1.800-347-2383) Foi• etdils. or program details, see the Cashback Bonus Program Terms and Conditions. $10.81 $10.81 I Enter Amount Enclosed Below R:K 27 SDSN6A01 001304() BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Payment Due Date $--~-? March 26, 2006 please make check payable to Discover Platinum Card or pay online Q Discovercard.com. Address, e-mail or telephone change? Print change in space above,, or go to Discover.com. Print your e-mail address to receive 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.rom/paperless. PO BOX 71084 1111111111111 CHARLOTTE NC 28272-1084 1111111If IIf III l,ulnIf If II III If III III 111 11 1111 0000019866180065990590001081,0000000000,087, Discover Platinum Card Account Summary Closing Date: February 27, 2006 page 1 of 1 Account number ending in 7091 Previous Balance $93475 (Payment Due Date March 26, 2006 Payments And Credits 934.75 Minimum Payment Due $10.81 Purchases + 0.00 ;Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $9,989.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 10.81 Cash Credit Available $5,000.00 New Balance = $10.81 You may be able to avoid Periodic Finance Charge s, see the reverse side for details. Cashback BonuC Opening Cashback Bonus Balance $ 20.75 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 20.75 Cashback Bonus® Since Anniversary Month June: $7.88 CONGRATULATIONS! Your Cashback !Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER to :get your share of America's #1 Cash ,Rewards Program, How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, FFor TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 22. Feb 22 INTERNET PAYMENT -THANK YOU $ -934.75 jFinance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $748.82 0.04655% 16.99% V 16.99% $10.81 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates!that apply to your Account are either fisted (F) or they may vary (V) as noted above. lnl%rnvar CnrA rnnkarl 41 inFrrnirl Prntmrtinn Sar irnt mmnnn fk. Inrm.gf credit rnrel rnro-;- I-- L...ol?., cZ .-..,..., u fl m - LI$ Q.19M, ,, 27 SDE N6A01 0013041 BERRIER, KELBY D MOBILE EST 128 SH.IPPENSBURG SHIAPE4SBURG PA 17257-9534 ${1.D4 v ..r .. I vV f Enter Amount Enclosed Below V Payment Due Date April 26, 2006 Your account has a credit balance. No payment is due. 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 {11"'1111"'1'111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space l?ililli?lr?ililliiili?li{n?lllln?l?ih,{r?II??L?L?{?LiII above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019566180`06599059000000000000000000000 [discover Platinum Gard Account Summary Closing Date: March 27, 2006 page 1 of 1 Account number ending in 7091 Payment Due Date April 26; 2006 Ndnimum Payment Due $0.00 Credit Limit $10,000.00 Credit Available $10,000.00 Cash Credit Limit $5,000.00 Cash Credit Available $5,000.00 Previous Balance $10.81 Payments And Credits 11.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance = $-0.19 Your account has a credit balance. No payment is due wCashback'Bonue Opening Cashback Bonus Balance $ 20.75 New Cashback Bonus This Period + 0.00 Cashback Bonus® Since Anniversary Month June: $7.88 Cashback Bonus Balance 20.75 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you., Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America°s #1 Cash Rewards Program. How Can We Help YOU? I . Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your:choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance` for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud. Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 8 Mar B INTERNET PAYMENT. THANK YOU $ -1 1.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $0 0.04723% 17.24% V 17.24% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 previous billing period: 31 days Purchases $0 0.04655% 16.99% V 16.99% $0 none rho rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. $0.00 Payment Due Date May 26, 2006 27 SDSN6A01 0013042 BERRIER, KELBY D MOBILE EST 128 SHIPPENS:BURG SHIPPENSBURG PA 17257-9534 Enter Amount Enclosed Below 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 Ii1?,,II?r???1?1LrrLr?lll CHARLOTTE NC 28272-1084 .Address, e-mail or telephone change? Print change in space Irrlillrrlrrrlrllrrrlirlrlrrrllllrrrlrrlnlirllrrlrrlrrlrlrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618006599059000000000000000000000 ''Discover Platinum Card Account Summary Closing Date: April 27, 2006 page I of 2 Account number ending in 7091 Previous Balance $-0.19 ,Payment Due Date May 26, 2006 Payments And Credits 0.00 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $10;000.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 0.00 Cash Credit Available $5,000.00 New Balance = $-0.19 Cashback Bonue Opening Cashback Bonus Balance $ 20.75 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 20,75 Cashback BonusS Since Anniversary Month ;,June: $7.88 HOW Can We Help YOU.? 1. Visit Discovencom to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast; easy self-service (Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Finance Charge Summary Nominal Transaction Average Dail, ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases , $0 0.04792% 17.49% V 17.49% $0 $0 Cash Advances $0 0.06751% 20.99% F 20.99% $0 $0 previous billing period: 28 days Purchases $0 0.04723% 17.24% V 17.24% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above: J nosing uare: vf -April 271 2000 Account number ending in 7091 page 2 of 2 ashback Bonus' Award Summary Cashback Bonus Anniversary Date: June 27 Balance Previous Cashback Bonus Award Balance $ 20,75 Purchase Award This Period + 0'.00 Cashback Bonus Award Total 20.75 Cashback Bonus Award Balance Award Available to Redeem 20.75 $ 20.00 Restrictions apply to the t zh6dek 96hus partner offers visit biscover.com or call 1-800-DISCOVER (1.800-347-2683) for details. For program details, see the Cashback Bonus l rogram Terms and Conditions. .r Y 171-K - 1 80.00 -... Payment Due Date June 26, 2006 27 SDSN6A01 0013043 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below $ Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 IN fill 11111111 CHARLOTTE NC 28272-1084 III IIII 1III 1IIII 1III 11,I11,rif111111111111If III III III III IIII I 00000319866l8006599059000000000000000000000 Discover' Platinum Card Account Summary Closing Date: May 27, 2006 page 1 of 1 ,Account number ending in 7091 Previous Balance $•0 19 Payment Due Date June 26, 2006 Payments And Credits . 0.00 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $10;000.00 Cash Advances + 0 00 Credit Available $10,000.00 Balance Transfers . + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 0,00 Cash Credit Available $5,000.00 New Balance = $:0,19 Cashbaek Bonus" Opening Cashback Bonus Balance $ 20.75 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 20.75 Cashback Bonus® Since Anniversary Month June: $7.88 How Can We 1-1e( You? 1. Visit Discover.com to pay your bill for no cost, view your l It's your choice - 3 ways to help atest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347.2683) for fast easy self-service Please have your Discover Card available , options or to speak with a Customer Service Account Manager . For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE FINANCE CHARGES CHARGES current billing period: 30 days Purchases $0 0.0.4792% 17.49% V 17:49% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 previous billing period: 31 days Purchases $0 0.0,4792% 17.49% V 17.49% $0 none The i ates H1at,apP1y to your Account are either fiXed (f) or they may vary (V) dt noted above, `qH?" :4 VER" YcYY UUrUrl?.p $7,680.49 27 SDSN6A01,0013044 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 III,..DhIt uLIIu1L11111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (u)1I111111;I1(1noil 111111111(I1r,(r,it (rlilt] (i11r,I1Ir,II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618006599059076804900000000015400 Discover Platinum Card Account Summary Closing Date: June 27, 2006 page 1 of 2 Account number ending in 7091 Previous Balance $.0.19 Payment Due Date July 26, 2006 Payments And Credits 0.00 Minimum Payment Due $154,00 Purchases + 165.01 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $2,319.00 Balance Transfers + 7,427.50 Cash Credit Limit $5,000.00 Finance Charges + 88,17 Cash Credit Available $2,319.00 New Balance = $7,680.49 rvunurrunr r uynrvw we nwwni rvuniuor ariuury r r ? v, r $154_00 _ Enter Amount Enclosed Below Payment Due Date July 26, 2006 Please make check payyable to Discover Platinum Card or pay online Q L?iscovercard.com. You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 20.75 New Cashback Bonus This Period + 0.41 Cashback Bonus Balance $ 21.16 Cashback Bonus8 Since Anniversary Month June: $8.29 CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800•DISCOVER (1-800-347-2683)to get your share of America's #1 Cash Rewards Program. How Can We Hel `You? p 1. Visit Discover.com to pay your bill for no cost, view your l It's your choice - 3 ways to help atest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Balance Transfers May 31 May 31 BALANCE TRANSFER CHECK 0376 $ 7,427.50 May 31 May 31 BAL TRANS TRANSACTION FEE FINANCE CHARGE 60.00 APR 4.90% EXPIRES 12/2006 - - Home Improvement Jun 2 Jun 2 LOWE'S #2223 MECHANICSBURGPA 165.01 °mC js Account number ending in 7091 Get added s=ecurity with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discover.com/paperless ?Cx 02009 Discover (tank, Member FDIC Closing Date: June 27, 2000 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04860% 17.74% V 17.74% $0 $0 Cash Advances $0 0,05751 % 20.99% F 20.99% $0 $0 ;Balance Transfers $6774.99 0.013-42% 4.90% F 14.24% $28.17 $60.00 ;previous billing period: 30 days ,Purchases $0 0,04792% 17.49% V 17.49% $0 none The rates that apply tq your A,1-11,t ore either fixed (F) or they may vary (V) as Hated above. , Questions? Manage'your account at Discover.com or LXEp $T,515.19 ($150.00 r V Enter Amount Enclosed Below Payment Due Date $ 1 . August 26, 2006 Please make check pa able to Discover Platinum Card or pay online @ Discovercard.com. 27 SDSNBA01 0013045 BERRIER, KELBV D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 II1IaallaIaaalillaaa1111111 CHARLOTTE NC 28272-1084 III l[Ilia LIII lIII ra,III III rIII IIIII III] laaLIlia lIIIIIII lrall 0000.01986618006599059075151900000000015000 Discover Platinum Card Account Summary Closing Date: July 27, 2006 paged of 2 Account number ending in 7091 Previous Balance $7,680.49 Payment Due Date August 26, 2006 Payments And Credits 200,00 I Minimum Payment Due $150.00 Purchases + 0.00 Credit Limit $10,000;00 Cash Advances + 0.00 Credit Available $2,484.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges- + 34.70 Cash Credit Available $2,484.00 New Balance _ $7,515.19 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BoftuSe Opening Cashback Bonus Balance $ 21.16 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 21,16 Cashback Bonus® Anniversary Month: June How Can We Hel 1 OUP' I? I. Visit Discover.com to pay your bill for no cost, view your l e It's your choice'- 3 Ways to help at st Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast, easy self- service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD`(assistance,for hearing impaired) see reverse side 3 ity, LIT Card, PO Box 30943, S: alt Lkuse City, UT 84130 Salt La. Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jul 21 Jul 21 INTERNE T PAYMENT'- THANK YOU $ -200.00 Information` For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE`. 4.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balance Periodic R PERCENTAGE RATES PERCENTAGE E FINANCE FINANCE s ates RAT S CHARGES CHARGES current billing period: 30 days Purchases $168.31 0.04929% 17.99% V 17.99% $2.49 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $7483.42 0.01342% 4.90% F 4.90% $30.11 $0 previous billing period:' 31 days Purchases $139.24 0.04660% 17.74% V 17.74% $2.10 none The rates that apply to yaur Account are either fixed (F) or they may vary (V) as noted above: 4inn'ian - nnrl rvo+5%C'n.h4-4 11--1D1 ,.,ail. ah., n_i k A_-_ _..____. __ .. d___ . .__. : .. ,.... . " L L,'. Y - ...a __._. Account number ending in 7041 --J 27, 2006_; page 2 of 2 Cashback Bonus' Award Summary Cashback Bonus Anniversary Date: June 27 Balance Previous Cashback Bonus Award Balance $ 21.16 Purchase Award This Period + 0,00 Cashback Bonus Award Total 21.16 Cashback Bonus Award Balance 21.16 Award Available to Redeem $ 20.00 estrictions apply to the Cashback Bonus Partner offers visit Ditcover.rom or call 1-800-DISCOVER (1.800.3,47=3683) for efails, For program defails, "see the Cdshback Bonus Program Terms and Conditions. DFw pr I?cw rururice 1,. $7,378.37 27 SDSNSAOI 0013046 BERRIER, KELB'? D MOBILE EST 128'SHIPPENSBURG SHIPPENSBURG PA 17257-9534 lyurnirlum ruy111C111 VVC l "uulll 1`7u11luCl ellum!,; 111 I V7 1 $147.00 Enter Amount Enclosed Below -------- ------------- -- ----- Payment Due Date $ September 26, 2006 please make check payyable to Discover Platinum Card or pay online @ Discovercard.corn. 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 change? Print change in space )ir)r))1r)rrr)1?)irr)1r)r)rri))))rr1)r1)rr)rr)?r1)r?)1??i?1r)) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001,9866118.00659`0590737$370000000001, 4700 Discover Platinum Card Account Summary Closing Date: August 27, 2006 page 1 of 2 Account number ending in 7091 Previous Balance $7,515.19 Payment Due Date September 26, 2006 Payments And Credits 200.00 Minimum Payment Due $147.00 Purchases + 30.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $2,62,1.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 33.18 Cash Credit Available $2,621.00 New Balance = $7,378.37 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 21.16 New Cashback Bonus This Period + 0.08 Cashback Bonus Balance $ 21,24 Cashback BonusS Anniversary Month: June CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call, 1-800-DISCOVER (1800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? P 1. Visit Discover.com to pay your bill for no cost, view your l It's your choice - 3 ways to help atest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager TDD` 3• Write us at Discover Card; PO Box 30943, For (assistance for hearing impaired) see reverse side. Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 23 Aug 23 INTERNET PAYMENT -THANK YOU $ -200.00 Merchandise/Retail Aug 22 Aug 22 ENTERTAINMNT*COUPONBOO 800-285-5525 MI 30.00 Information For You Balance Transfer offer For current billing period; Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATEi 4.90%. Rate is subject to the terms of the offer including expiration. I Save time and a stamp thismonth by paying your bill online at Discovercard.com. Make a one-time payment or schedule payments in advance up to your due date, whenever it's most convenient for you. To find out about our free and flexible online payment features, visit Discovercard.com/payments Discover Financial Services is once again proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Help us raise even more money to fund research, for a cure by participating in the Walk or donating your Cashback Bonus(R) to JDRF. A cure is within reach. 1 olearn more, visit Discovercard.com or www.idrf.org Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. Access up to 24 months of downloadable, printable statements. * See your statement as soon as it's available rather than wait for it to arrive in your mailbox. Get helpful payment reminders through e-mail or text messages on your mobile phone. * Print a paper copy of your statement anytime. Account number ending in 7091 ti rsa? tir 0 Sign up today at Discovercom/paperless 71 ©2009 Discover Rank, Member FDIC Closing Date: August 27, 2006 page 2 of 2 ,Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periadic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES ,current billing period: 31 days 'Purchases $176.67 0.04929% 17.99% V 17.99% $2.70 $0 Cash Advances $0 0.05751% 20.990/. F 20.99% $0 $0 Balance Transfers $7328,12 0.01342% 490% F 4.90% $30.48 $0 The rates that apply to your recount are either fixed (F) or they may vary (V) cis noted above. Questions? Manage your account at Discover.com or ?Qr ? @?tt'p $7,220.96 27 S'DSN6A01 0013047 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $144.00 Enter Amount Enclosed Below Payment Due Date October 26, 2006 please make check payyable to Discover Platinum Card or pay online Q Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at diSCOVeLcom/paperless. PO BOX 71084 11111111,611] 111111111„111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019866`18006599059072209600000000014400 Discover Platinum Card Account Summary Closing Date: September 27, 2006 page l of 2 Account number ending in 7091 Previous Balance $7,378.37 Payment Due Date October 26, 2006 Payments And Credits 200.00 rMinimum Payment Due $144.00 Purchases + 9.95 Credit Limit $10,000A0 Cash Advances + 0.00 Credit Available $2,779.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 32.64 Cash Credit Available $2,779.00 New Balance - $7,220.96 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Botluse Opening Cashback Bonus Balance $ 21.24 New Cashback Bonus This Period ShopDiscover & Promotional + 1.00 Everywhere Else + 0.02 Coshback Bonus(D Anniversary Cashbnck Bonus Balance $ 22.26 June Month: CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER (1-800-347-2683) to get your share of J America's #1 Cash Rewards Program. l Y ? W H H C 1. Visit Discover.corn to pay your bill for no cost, view your p ou ow an e e latest Account information, earn and redeem rewards and more It's your choice- 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 11 Sep l l INTERNET PAYMENT -THANK YOU $ •200.00 Merchan se/Retoil Sep 9 Sep 9 TRUECREDIT SAN LUIS OBI CA 9.95 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air Trovel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 60606-6613. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Shop confidently. Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. With our advanced fraud warnings, we'll call you right away if there's unusual activity on your account. And if someone makes fraudulent charges with your card, our $0 fraud liabMty guarantee means you're not responsible. Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rather than want for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Account number ending in 7091 a \ h1VINTIN WN11\ Sign up today at Discover.com/paperless R a ? u?m-, ,.: ... 02009 Discover Bank, Member FDIC Closing Date: September 27, 2006 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $209.94 0:04929% 17.99% V 17.99% $3.20 $0 Cash Advances $U 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $7080.73 0.01342% 4.90% F 4.90% $29,44 $0 The •a+v< Yhc t apply to your Account are either fixed (F) ar they may vary (V) as tinted above, Questions? Manacle your account at Discover.com or LI`B' N?i--ER. $7,032.29 y6 27 SIDS WADI 0013048 BERRIER, KELBY D MOBILE EST 128 SHIPP'ENSBURG SHIPPENSBURG PA 17257-9534 $141.00 Enter Amount Enclosed Below Payment Due Date November 26, 2006 please make check payable to Discover Platinum Card or pay online Q D!scovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX. 71084 111 Rill l""'I1II""1111111 CHARLOTTE NC 28272-1084 1,11,11111111111111,11111 1 111 1111111 1 111 1] 11111111 1,1,11111111 6000019866 ,80665990590703229660600000141,®6 Discover Platinum Card Account Summary Closing Date: October 27, 2006 Account number ending in 7091 Payment Due Date November 26, Minimum Payment Due $141.00 Credit Limit $10,000.00 Credit Available $2;967.00 Cash Credit Limit $5,000.00 Cash Credit Available $2,967.00 page 1 of 2 Previous Balance $7,220.96 2006 Payments And Credits - 220.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 31.33 New Balance - $7,032.29 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Opening Cashback Bonus Balance $ 22.26 New Cashback Bonus This Period + 0.00 Redeemed This Period - 20.00 Cashback Bonus(D Anniversary Cashback Bonus, Balance $ 2.26 Month: June Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular categories throughout theyear 'and up to i % Cashback Bonus on all your other purchases. -l l Y ?IV ? C H 1. Visit Discoveacom to pay your bill for no cost, view your e an e ' ou YY p ow latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER 1347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943; For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 841.30 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 24 Oct 24 INTERNET PAYMENT -THANK YOU $ -200.00 Award and Rebate Credits Oct 24 Oct 24 REWARD REDEMPTION CREDIT -20.00 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 60606-6613. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Discovercard.com provides you with the easiest online self-service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely e-mail reminders to help you avoid fees. Easy account management is justa click awayl Register or log in to Discovercard.comjregistermyoccount ?Fer6,?;_ Account number ending in 7091 Get added security with no paper trail Make your account information more secure with i posswori-protected statements that only you can access. Acc( ss up to 24 months of downloadable, printable statements. • See vour statement as soon as it's available rather than wait for it to arrive in your mailbox, • Get helpful payment reminders through e-mail or text messages on your mobile phone. * Print a paper copy of your statement anytime., a IV Sign up today at Discovet:com/paperless R 002009 Discover Bank, Member FDIC Closing Date: October 27, 2006 page 2 of 2 Fley, ,Juniors! We are searching for outstanding high school juniors to apply for the Discover(R) Card Tribute Award(R) Scholarship Progtram. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www.Discovercard.com/tribute Finance Chi urge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days 'Purchases $217.00 0,04929% 17.99% V 17.99la $3.20 $0 ?CashAdvances $0 0.05751°% 20.99% F 20.99% $0 $0 Balance Transfers $6989.81 0,01342% 490% F 4.90% $28.13 $0 The rates that apply to your Account ore either fixed (F) or they may vary (V) as noted above, r uestionsi? Manage your account at Discover.com or m?xrs<r? ,7? R?-rte;- wew oorance LZ K $6,863.95 27 SDEWADi 0013049 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 i Ivununurn ruyrneru we ! l ccuuu twmuer enurny to i va r $137.00 Enter Amount Enclosed Below Payment Due Date $ December 26, 2006 Please make check pa able to Discover Platinum Card or pay online Q Uiscovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to -oceive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 Illir?llnnrl?llnelurl?l CHARLOTTE NC 28272-1084 1111111,1In1Lllif ilr,lrit,III III] III rluif ,llnIII III III IIIl OOdOO1986Ll8OO6599059068639500000000013700 Discover Platinum Card Account Summary Closing Date: November 27, 2006 page 1 of 1 Account number ending in 7091 Previous Balance $7,032.29 Payment Due Dote December 26, 2006 Payments And Credits - 200.00 Minimum Payment Due $137.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $3,136.00 Balance Transfers + 0.00 Cash Credit Limit $5,000.00 Finance Charges + 31.66 Cash Credit Available $3,136.00 New Balance = $6,863.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details, Cashback Bowie Opening Cashback Bonus Balance $ 2.26 New Cashback Bonus This Period + 0.00 Cash6ack Bonus Balance $ 2.26 Cashbock;BonusO Anniversary Month: June Cashback Bonus(R) is America's #1 Cash Rewards Program Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to I % Cashback Bonus on all your other purchases. HOW Can YY a Help YOU? 1 . Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more lt's your choice - 3 ways to help 2. Carl 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available options or to speak with a Customer Service Account Manager . For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 24 Nov 24 INTERNET PAYMENT - THANK YOU $ -200.00 Information or ou Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%1- corresponding ANNUAL PERCENTAGE RATE; 4.90%. Rate is subject to the terms of the offer including expiration, Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $220.27 0.04929% 17.99% V 17.99% $3.37 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $6801.55 0.01342% 4.90% F 4.90% $28.29 $0 The rates that apply to your Account are either fixed {F) or they may vary (V) as noted above, $6,693.88 27 5D SN SA01 0013050 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 . ?,... _... --- .----... _...-_. ....... I ... _ -. . $134.00 i? Enter Amount Enclosed Below Payment Due Date $ 1_ January 26, 2007 please make check payyable to Discover Platinum Card or pay online Q D!scovercard.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 I11u1 11 11111111 ILn(nrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 'ir)i))ri)irc)i)?i?i)ri)r)i?r?)I)i?iiu)tt)n)'u)n)n{i)ii)) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019866168006599059066938800000000013400 Discover Platinum Card Account Summary Closing Date: December 27, 2006 page 1 of 2 Account number ending it 7091 Previous Balance $6,863.95 Payment Due Date January 26, 2007 Payments And Credits - 200.00 Minimum Payment Due $134.00 Purchases + 0.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit' Available $4,306.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 29.93 Cash Credit Available $4,306.00 New Balance _ $6;693.88 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Mnu5® Opening Cashback Bonus Balance $ 2.26 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 2.26 'Cashback BonusO Anniversary Month: June . Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonuw on all your other purchases. How Can We Help You? I . Visit Discoveacom 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 (347-26831 for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date LPayments and Credits Dec 22 Dec 22 INTERNET PAYMENT -THANK YOU $ -200.00 Information For You Congratulations! Your Account's cash credit limit has been increased to $5,500.00. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Cut back on mailbox clutter! Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up of Discovercard.com/ps `Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Make-A-Wish Foundation(R)., You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation; To learn how, please visa Discovereard.eom ar visit Wish,org ?" rl ?T' a- -AT1 q q- 3r pays TO numb Accounf er ending in 7091 Get added security with no paper trail Make yo.ir account information more secure with passworc -protected statements that only you can access. • Acce.s up to 24 months of downloadabie, printc ble statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print o paper copy of your statement anytime. s ?MsNIM.MMMOM 11 ?I z Sign up today at Discover.com/paperless 02009 Discover [lank, Merober FDIC Closing Date: December 27, 2006 page 2 of 2 IFil ante Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES (wrrent billing period: 30 days p'ur'chases $223.61 0.04929% 17.99% V 17.99% $3.30 $0 C:a6 Advances $0 0.05751% 20.99% F 20.99% $0 $0 ba c nce Transfers $6614.85 0.013,42% 4.90% F 4.90% $26.63 $0 ho rates that apply to your A count are either fixed (F) or they may vary (V) tit noted above, Q,tjestions?'IMonag your account at Discover.com or `N)`71 71. $82.64 ? $15.00 Enter Amount Enclosed Below Payment Due Date $ 1- - 1 February 26, 2007 Please make check payable to Discover Platinum Card or pay online Q Discovercard.com. 27 SD3N3A010013051 BERRIER, KELBY D MOBILE 9_ST 128 SHIi'PENSBURH SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO Box 71084 111.11r1111 1111 111 1 111111 CHARLOTTE NC 28272-1084 hrhllulrulrllnrh,1111111111111111111lrrllrrhIII fill] III 00000198661,8006599059D00826400000000001500 Discover Platinum Card Account Summary Closing Date: January 27, 2007 page 1 of 1 Account number ending in 7091 Previous Balance $6,693.88 Payment Due Date February 26, 2007 Payments And Credits - 6,693.88 Minimum Payment Due $15.00 Purchases + 0.00 Credit Limit $11;000.00 Cash Advances + 0.00 Credit Available $10,917.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 82.64 Cash Credit Available $5,500.00 New Balance = $82.64 You may be able to avoid Periodic Finance Charges, see the reverse side for details. ,Cashback Bonue Opening Cashback Bonus Balance $ 2.26 New Cashback Bonus This Period + 0r00 Cashback Bonus Balance $ 2.26 (Cashback Bonus(D Anniversary Month: June Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1%Cashback Bonus on all your other purchases. 'How Can We Help You? p 1. Visit Discover.com to pay your bill for no cost, view your l t i f A d d d d est a ccount n ormation, earn an eem rewar re s an more 'It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. 'Post Date Date Payments and Credits Jan 22 Jan 22 INTERNET PAYMENT -THANK YOU $ -6,693.88 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%i corresponding ANNUAL PERCENTAGE RATE: 590%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5A08.19 0.04929% 17.99% V 17.99% $82.64 $0 Cash Advances $0 0,05751% 20-99% F 20.99% $0 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above, 05' N- wA NASA' ?r,?,q F- vovv ou?w ??c ra un uuu? i ?y?uow we $0.00 $0.00 Payment Due Date March 26, 2007 27 SDSNEbA01 0013052 BERRIER, KELBY D 11OBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Address, e-maii'or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below $11 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 11111111111111fill III I I IIII CHARLOTTE NC 28272-1084 1111.11111111111 111 gill III 1111 Hill If I III I fill III fill III I I If. 11 0000019?3661,8006599059000000000000000000000 Discover Platinum Card Account Summary Closing Date: February 27, 2007 page 1 of 1 Account number ending in 7091 Previous Balance $82.64 Payment Due bate March 26, 2007 Payments. And Credits - 145.03 Minimum Payment Due $0.00 Purchases + 62.39 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $11,000.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 0.00 Cash Credit Available $5,500.00 New Balance = $0,00 Cashback $onue Opening Cashback Bonus Balance $ 2.26 New Cashback Bonus This Period + 0.16 Cashback Bonus Balance $ 2.42 Cashback 6onusO Anniversary Month: June HOW Can We Help Y®U? p 1 . Visit Discover.com to pay your 6ill for no cost, view your l t A f e d d d It's your choice - 3 ways to help ates ccount in re ormation, arn an eem 2. Call 1-800-DISCOVER (347.2683) for fast, rewards an more easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 5 Feb 5 INTERNET PAYMENT - THANK YOU $ -82.64 Feb 16 Feb 16 INTERNET PAYMENT - THANK YOU -62.39 Merchandise/Retail Feb 11 Feb 1 l SHOES.COM 8882336743 CA 62.39 Finance Charge Summary Average Daily Balances current billing period: 31 days Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES Purchases $0 0:04929% 17.99% V 17.99% $0 $0 Gash Advances $0 0,05751% 20.99% F 20.99% $0 $0 previous billing period; 31 days Purchases $0 0,04929% 17.99% V 17.99% $0 none The rates that apply to your Avc6urrt are either fixed (F) or they may vary (V) as noted above. 1 $3,017.50 27 SD,3N6A01 0013053 BERRIER, KEL.BV D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $61.00 Enter Amount Enclosed Below Payment Due Date July 26, 2007 Please make check payable to Discover Card or pay online @ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 1Ilr,111e1nr1111r111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 'ir?rllrr'trrlr,,r?rlri'r?rrr(??(rrr(rr(rr(rr?)rr(rr?rr(r(ir?? above; or go to Discover.com, Print your e-mail address to receiveimportant Account information and special offers. ('100001986618006599059030175000000000006100 Discover More Card. Account Summary Closing Date: June 27, 2007 page 1 of 2 ;A,ccount number ending in 7091 Payment Due Date July 26, 2007 Minimum Payment Due $61.00 Credit Limit $11,000.00 Credit Available $7,982.00 Cash Credit,Limit $5,500.00 Cash CreditAvailable $5,500.00 Previous Balance $0,00 Payments And Credits 0.00 Purchases + 3,017,50 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0,00 New Balance - $3,017.50 You may be able to avoid Periodic Finance Charges, see the reverse side for details, Cmhback Bonue Opening Cashback Bonus Balance $ 2.42 New Cashback Bonus This Period + 12.19 Cashback Bonus Balance $ 14.61 Cashback Bonus® Since Anniversary Month June: $13.45 Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on GO More purchases in popular categories thiroudhout the year and up to 1 % Cashback Bonus',onall your other purchases. How Can YY ? AIe Hel ?7 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 haveyour Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943 For TDD (assistance for hearing impaired) see reverse side , Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Merchandise/Retail Jun 26 Jun 26 LEGAM MARKETING MANCHESTER MD $ 997.00 Travel/Entertainment Jun 23 Jun 23 UNITED AIRLINES ARC WOODALE IL 1,366.50 -AUTOMATIC FLIGHT INSURANCE NO COST LOWESTFARE COM NORWALK C Jun 23 Jun 23 PLN*PRICELINE.COM AIR 800.3,40.0575 CT 25.00 ,44712779101 Services Jun 26 Jun 26 EDC GOLD NORTH LAS VEGNV 350.00 Jun 27 Jun 27 EDC GOLD NORTH LAS VEGNV 279.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. !Soon we'll no longer be printing your full account number on your statement. It's just another way to keep your information safe: But of course, if for any reason you need your full account number, it'll still be right there on your card. __ i._ Get 5% Cashback BanuslO from lulu throunh Sentaminer nn nns lintels rind nrlM ks i n tri +k- .....L. I"-;-- j it pays to nuo i v I Account number ending in. 7091 Get added security with no paper trail Make yo,ir account information more secure with password-p,otected statements that only you can access. • Access ap to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. Print a paper copy of your statement anytime. Sign up today at Discovercom/pcaperless ©2009 Discover Bank, Member FDIC Closing Date; June 27, 2007 page 2 of 2 Build rewards faster with top online retailers such as Target.com, DicksSportingGoods.com, LandsEnd.com, iTunes.com and many more when you link through ShopDiscover, Just visit Discovercard.com/shop to see our full listing of online retailers? Congratulations to the 2007 National Discover(R) Card Tribute Award(R) Scholarship winners: Shanna Decker, Karlynda J&Inson, July Lee, Emily Lester, Kathleen McGlynn, Eric Ndikumana, Danica Samuels, Kelsey Tainsh, Kelly Wolfe and Stephanie Wong. Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute to learn more. Finance Charge Siummary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04929% 17.99% V 17.99% $0 $0 Promotional Purchases $0 0.00521% 1.90% F 1.90% $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 previous, billing. period: 30 days Purclhases' $0 0.04929% 17.99% V 17.99% $0 none The rotas that apply to your Account are either fixed (F) or the y may vary (V) as noted above. Questions? Manacle your account at Discover.com or i?k 4 litlk? $656.20 27 SDSN6A01 0013054 BERRT-E:R, KEL.BY D MOBILE LEST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $15.00 Enter Amount Enclosed Below Payment Due Date $ 1-? 7 August 26, 2007 please make check payable to Discover Card or pay online Q Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Ill?a?lleu??l?lln?lu?lll CHARLOTTE NC 28272.1084 Address, e-mail or telephone change? Print change in space f??f"iilriilr,??+rl?ilrlrrrlll'??+)?+Irilnl?r+??+Inli?ii?l above, or go to Discover.com, Print your e-mail address to receive important Account information and special offers. 00000198661,8006599059006562000000000001500 `Discover More Card' Account Summary Closing Date: July 27, 2007 Account number ending in 7091 Fayment Due Date August 26, 2007 Minimum Payment Due $15.00 Credit Limit $11,000.00 Credit Available $10,343.00 !Cash Credit Limit $5,500.00 Cash Credit Available $5,500.00 page 1 of 2 Previous Balance $3,017.50 Payments And Credits 3,017.50 Purchases + 656.20 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance = $656.20 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 14.61 New Cashback Bonus This Period + 1.64 Cashback Bonus(D Anniversary Month: June Cashback Bonus Balance $ 16.25 How Can We Delp You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service 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 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans, Post Date Date Payments and Credits Jul 26 Jul 26 INTERNET PAYMENT - THANK YOU $ -3,017.50 Mzrchandise/Retail Jun 27 Jun 28 GODADDY.COM 480.5058855 AZ 10.38 Jul 21 Jul 21 CHRIS CAMPBELL PENDLETON IN 499.00 Services Jun 30 Jun 30 INET GIANT INC 800.584.3954 NY 89.90 Jul 1 Jul 1 INET GIANT INC 800-584.3954 NY 56.92 finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding A NNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days iPurchases $0 0.04929% 17.99% V 17.99% $0 $0 Promotional Purchases $0 0.00521% 1.90% F 1.90% $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 previous billing period: 31 days Purchases $0 0.04929% 17.99% V 17.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as mated above. Mormon vour arrnmf vni rr wnv _ w6tl,ar vnri nra F,%r fn cnAmL with n lives nArsnn nr M-m- •--Ink Account number ending in 7091 July 27, 2007 page 2 of 2 !Ash ck Bonus ® Award Summary Cashback Bonus Anniversary Date: June 27 Balance Previous Cashback Bonus Award Balance $ 14.61 Purchase Award This Period + 1.64 Cashback Bonus Award Total 16.25 Cashback Bonus Award Balance 16.25 Award Available to Redeem $ 0.00 Restd&ions apply to the Cwhb€tek Minus Part?w offers visit Disco4er.com or call 1-800-DISCOVER j1-800-345-2683) for details. For program details, see the Cashback Bonus program Terms and Conditions. , A o a $56.92 $15.00 Enter Amount Enclosed Below 27 SDSMA01 0013055 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or, go to Discover.com. Print your e-mail address to receive important Account information and special offers. Payment Due Date $ 1+ September 26, 2007 please make check payable to Discover Card or pay online Q 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 1111111111111 11 CHARLOTTE NC 28272-1084 1111111,ilIIII] III nlnl111111111111111lu1111111lu1,1l&lull 000007986618006599059000569200000000007500 Discover More Card Account Summary Closing Date: August 27, 2007 ;Account number ending in 7091 Payment Due Date September 26, 2007 ;Minimum Payment Due $15.00 ,Credit Limit $11,000.00 Credit Available $10,943.00 Cash Credit Limit $5,500.00 Cash Credit Available $5,500.00 page 1 of 2 Previous Balance $656.20 Payments And Credits - 656.20 Purchases + 56.92 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance = $56.92 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonue Opening Cashback Bonus Balance $ 16.25 New Cashback Bonus This Period + 0.14 Cashback Bonus Balance 16.39 Cashback BonusO Anniversary Month: June 'Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus ,on Get More purchases in popular categories ,throughout the year and up to 1 % Cashback 'Bonus on all your other purchases. Y C ? H W H l 1. Visit Discovencom to pay your bill for no cost, view your OU an ow e e p latest Account information, earn and redeem rewards and more ,It's your choice ' 3 ways t0 help 2. Call 1-800-DISCOVER (347-2683) for fast„ easy self-service Discover Card available. Plecise have your options or to speak with a Customer Service Account Manager 3 For TDD for hearing see reverse side . Write us at Discover Card, PO Box 30943, (assistance impaired) Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 24 Aug 24 INTERNET PAYMENT -THANK YOU $ -656.20 Services Aug } Aug 1 INET GIANT INC 800.584-3954 NY 56.92 it pays ib uLi\niu\, 1\LLU 1 v _ jSCjMR_ Account number ending in 7091 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, Sign up today at printable statements. DIscover.CL')!t]JtpaperleSs See your statement as soon as it's available rather than wait for it to arrive in your mailbox. Get helpful payment reminders through e-mail or text messages on your mobile phone. . Print a paper copy of your statement anytime. Q2009 Discover Qani;, Member FDIC Closing Date: August 27, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rater 0.01616% ; corresponding A NNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.049'29% 17.99% V 17.99% $0 $0 Promotional Purchases $0 0.00521% 1.90% F 1,90% $0 $0 Clash Advances $0 0.06299% 22.99% F 22.99% $0 $0 previous billing period: 30 days Purchases $0 0.04929% 17.99% V 17.99% $0 none The rates that apply to your Account are either fixad (F) or they may vary (V) as noted above. OtipOitins? Mnnmrin vniir nrrniint nt llfisrnvPr.cnm nr $2,561.91 $52.00 Enter Amount Enclosed Below Payment Due Date $ October 26, 2007 Please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSNBA01 0013056 BERRIER, KELBY D MOBILE EST 128 SEIPPENSBURG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 IIL1,llnu1L,lhIll. rlll CHARLOTTE NC 28272-1084 lIll III nlfill Ill Ill 1i1111if Ill llr,iIll li,t„IlrIll fill llluU 000001986618006599059025619100000000005200 Discover More Card Account Summary Closing Date; September 27, 2007 page l of 2 Account number ending in 7091 Previous Balance $56.92 Payment Due Date October 26, 2007 Payments And Credits 56.92 Minimum Payment Due $52.00 Purchases + 2,561.91 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $8,438:00 Balance Transfers + 0.00 Cash °Credit Limit $5,500.00 Finance Charges + 0.00 Cash Credit Available $5,500.00 New Balance = .$2,561.91 You maybe able to avoid Periodic Finance Charges , see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 16.39 New Cashback Bonus This Period + 12.22 Cashback Bonus Balance $ 28.61 Cashback Bonus® Since Anniversary Month Dune: $14.00 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER (1-800-347.2683) to get your share of America's #1 Cash Rewards Program. IOW Can We Nip YOU? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service 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 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 26 Sep 26 INTERNET PAYMENT - THANK YOU $ -56.92 'Merchandise/Retail Sep 12 Sep 12 GOOGLE *GRA MARKETING GOOGLE.COM/CHCA 2,500.00 52690337T6G89PH0 Sep 20 Sep 20 GOOGLE *BEDZZZ.INN GOOGLE.COM/CHCA 4.99 E 674609BD6R1WBQG Services Sep 1 Sep 1 INET GIANT INC 800584.3954 NY 56.92 Ty pays ao j Account number ending in 7091 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discover.corn/paperless r? u`1N1W1%:W3 1N " x02009 Discover Rank, Member FDIC Closing Date: September 27, 2007 page 2 of 2 Fiinance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04929% 17.99% V 17.99% $0 $0 Promotional Purchases $0 0.00521% 1.90% F 1.90% $0 $0 Cash Advances $0 0,06299% 22.99% F 22.99% $0 $0 previous billing period: 31 days Purchases $0 0.04929% 17,99% V 17.99% $0 none Tho rates that apply to your Ac count are either fixed (F) or they may vary (V) as noted above. Questions? Manaae your account of Discover.com or a Ii $2,119.39 { $64.00 Enter Amount Enclosed Below 27 SDSNSA01 0013057 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Payment Due Date $ November 26, 2007 please make check payable to Discover Card or pay online Q Discovercard.com. 4ddress, e-mail or telephone change? Print change in space ubo've, or go to Discover.com. Print your e-mail address to -eceive 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.comlpaperiess. PO BOX 71084 111.1111nu11111loll loll II CHARLOTTE NC 28272-1084 1,11111111[],11111,11 111111&111111n11111,1111111 1 111111 111111 000007,986618006599059021193900000000006400 Discover More Card Account Summary Closing Date: October 27, 2007 page 1 of 2 Account number ending in 7091 Previous Balance $2,561.91 Payment Due Date November 26, 2007 Payments And Credits 500.00 Minimum Payment Due $64.00 Purchases + 0.00 (Credit Limit $11,0()0.()0 Cash Advances + 0.00 Credit Available $8,880.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 57.48 Cash Credit Available $5,500.00 New Balance = $2,119.39 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonne Opening Cashback Bonus Balance $ 28.61 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 28.61 Cashback Bonus® Since Anniversary Month June: $14.00 ?OW Can We Help You? 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 1'krS your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 26 Oct 26 INTERNET PAYMENT -THANK YOU $ -500.00 Information For You Shop online, build rewards, Earn 5% to 20% Cashback Bonus at top online retailers such as Sears.com, CircuitCity.com and Drugstore,com through ShopDiscover. Just visit Discovercard.com/shop todayl Fin drice Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%,- corresponding A NNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2567.16 0.04792% 17.49% V 17.49% $36.91 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 ;previous billing period: 31 days Purchases $1346.29 0.04929% 17.99% V 17.99% $20.57 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases by amount. description or cateaorv? You can -- register at Disrnvarcarrt rnm +„ v din, ? *ltli iL' s -IUbIII!3 uai0 Accouni number ending in 7091 Octotobbg er 27, 2007 _I page 2 of 2 ashback Bonus ° Award Summary Cashback'Bonus Anniversary Date: June 27 Balance Previous Cashback Bonus Award Balance $ 28.61 Purchase Award This Period + 0.00 Cashback Bonus Award Total 28.61 Cashback Bonus Award Balance Award Available to Redeem 28.61 $ 20.00 Restrictions ripply to tfse Cash6adk Bonus Partner offers visit Discover,Eom or calf 1-W0OSCOVER il-800-3d7-2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. ?jbQ 7 ' ? 80.00 $0,00 Payment Due Date December 26, 2007 27 SDSN6A01 0013058 BERRIER, KELBY D MOBILE EST 128 SHIPPENSIBURG SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Enter Amount Enclosed Below $ 1 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 Ill1e1llr?nil?llnol?nlll CHARLOTTE NC 28272-1084 L?LII??I?If L1L??I??LL„IIII???I?IIHI111[,1Iu1nI?I?JI 000001986618006599059000000002119390000000 Discover More Card Account Summary Closing Date: November 27, 2007 page 1 of 1 Account number ending in 7091 Previous Balance $2,1 19.39 (Payment Due Date December 26, 2007 Payments And Credits 2,119.39 Minimum Payment Due $0.00 Purchases + 0 00 Credit Limit $11,000.00 . Cash Advances + 0.00 Credit Available $11,000.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 0.00 Cash Credit Available $5,500.00 New Balance $0.00 Cashback Bonue Opening Cashback Bonus Balance $ 28.61 New Cashback Bonus This Period + 0.00 Cash6ack Bonus Balance $ 28,61 Cashback BonusO Since Anniversary Month June: $14.00 How Can We Well?yy 1 you? " 1. Visit Discover.com to pay your bill for no cost, view your l s 1 ate t Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 2 Nov 2 PAYMENT -THANK YOU $ -2,119.39 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic R PERCENTAGE RATES PERCENTAGE FINANCE FINANCE ates RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.0,4792% 17.49% V 17.49% $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixsd (F) or they may vary (V) as noted above. 5 C? W $8.19 ulullc:a 27 SD'SN6A01 0013059 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SH'IPPENSBURG PA 17257-9534 IVIIIIIIIlu111 ruyinufiI Vutl /-1tiuUUl11 IVVIIIUCI CfIUJIl If) IVT 1 $8.19__ _ Enter Amount Enclosed Below Payment Due Date $ 1 1 July 26, 2008 Please make check payable to Discover Card or pay online @ Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com[paperless. PO BOX 71084 1111$ 111111 If IN 11111111 fill CHARLOTTE NC 28272-1084 IIIIIIIIIIIIII111111111111111111111111111]111 11111 u1n111r,Ii 000001986618006599059000081900000000000819 j Discover More Curd Account Summary Closing Date: June 27, 2008 page 1 of2 Account number ending in 7091 Previous Balance $0.00 Payment Due Date July 26, 2008 Payments And Credits 0.00 Minimum Payment Due $8.19 Purchases + 8.19 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $10,991.00 Balance Transfers + 0.00 Cash Credit. Limit $5,500.00 Finance Charges + 0.00 Cash Credit Available $5,500.00 New Balance $819 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 28.61 New Cashback Bonus This Period + 0.08 Cashback Bonus Balance $ 28,69 Cashback Bonus(b Since Anniversary Month June: $14.08 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discover. corn or call 1.800-DISCOVER (1-800-347-2683) to redeem. p v How Can We Hel You? 1 • Visit Discover.com to pay your bill for no cost, view your l Lt's your choice - 3 ways to help atest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3' Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Jun 26 Jun 26 GODADDY.COM 480-505-8855 AZ $ 8.19 1 .1 i ^ ? 1 Account number ending in 7091 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 2.4 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at CDiscover.com/paperless 02009 Discover Dank, Member FDIC Closing Date: June 27, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00521 %; corresponding ANNUAL PERCENTAGE RATE: 1,90%. Rate is subject to the terms of the offer including expiration. Promotion: 1.90% APR on all purchases made through 12/31/08, Promotional Rate valid through January 2009 statement. Average Daily Balances current billing period: 31 days Purchases $0 Promotional APR $0 Cash Advances $0 previous billing period: 30 days Nominal Transaction Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES 0.04038% 14.74% V 14.74% $0 0.00521% 1.90% F 1.90% $0 0.06299% 22.99% F 22.99% $0 $0 $0 $0 LPurchases $0 0.04107% 14.99% V 14.99% $0 none The rotas that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or IBC 'V 57o,a0a.aa 27 SDSN6A01 0013060 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SH'IPPENSBURG PA 17257-9534 $206.001 ' vc I Enter Amount Enclosed Below Payment Due Date -? August 26, 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.corm/paperless. PO BOX 71084 III„rllr?rulrllnrlrr?I1I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Is?I?I???In?I?IIu?InI?Iu?IIIInrI??I??InIInIu9nlrli?Il above; or go to Discover.corn. Print your e-mail address to receive important Account information and special offers. 0000019866],8006599059103000000000000020600 Discover More Card Account Summary Closing Date: July 27, 2008 page 1 of 2 Account number ending in 709E Previous Balance $8.19 Payment Due Date August 26, 2008 Payments And Credits 8.19 Minimum Payment Due $206.00 Purchases + 0.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $700.00 Balance Transfers + 10,000.00 Cash Credit Limit $5,500.00 Finance Charges + 300.00 Cash Credit Available $700.00 New Balance = $10,300.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 28.69 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 28.69 Cashback Bonus® Anniversary Month: June CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1.800-DISCOVER (1-800-347-2683)to redeem. l You? How Can We HE= 1. Visit Discover.com to pay your bill for no cost, view your . p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card PO Box 30943 , , For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT $4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jul 3 Jul 3 INTERNET PAYMENT - THANK YOU $ -8.19 Balance Transfers Jul 25 Jul 25 BT TO CHECKING ACCOUNT * * * * * * * * * ***6813T 10,000.00 APR 0.00% EXPIRES 07/2009 Jul 25 Jul 25 BAL TRANS TRANSACTION FEE FINANCE CHARGE 300.00 1,""? L `,,/ j Account number ending in 7091 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. Print a paper copy of your statement anytime. _ _?011N Sign up today at Discover.com/paperless R ... . F . ® OMIN "TwIll ©2009 Discover Bank, Member FDIC Closing Date: July 27, 2008 page 2 of 2 Finance Charge Summary Promotion: 1.90% APR' on all purchases made through 12/31 /08. Promotional Rate valid through January 2009 statement. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.04038% 1474% V 1474% $0 $0 'Promotional APR $0 0,00521% 1.90% F 1.90% $0 $0 Cash Advances $0 0,06299% 22.99% F 22.99% $0 $0 Balance Transfers $1030.00 0:00000% 0.00% F 36.00% $0 $300.00 previous billing period: 31 days Purchases' $0 0.04038% 14.74% V 14,4% $0 none Tli® I ates th®t.aPpIy to your Account are either fixed (F) or they may vary (V) as noted above. Ouestlons? Manage your account atDiscover.com or 00 DISC W $9,8 50 u. 00 27 SDSN6A01 0013061 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 ruu uuvin i uyuiom vuc I nwvuw iyvuivci nwuy In . v, , $197.00 Enter Amount Enclosed Below Payment Due Date $ September 26, 2008 please make check payable to Discover Card or pay online @ Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more seaire with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Ill r,. ll,.uIll ills III Ill II CHARLOTTE NC 28272-1084 1111111,FlIll III IIll Ill ln1llllu11IlLIII III Ill III IIll lIII l 00000198661r8006599059098500000000000019700 Discover More Card Account Summary Closing Date: August 27, 2008 page 1 of 2 Account number ending in 7091 Previous Balance $10,300.00 Payment Due Date September 26, 2008 Payments And Credits 450.00 Minimum` Payment Due $197.00 Purchases + 0.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $1,150.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 0.00 Cash Credit Available $1,150.00 New Balance - $9,830.00 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 28.69 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 28.69 Cashback Bonus® Anniversary Month: June CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discover;com or call 1.800-DISCOVER (1-800-347-2683) to redeem. l?o? Can We Help l ?/o?? 1. Visit Discoveacom to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service . A M anager ccount options or to speak with a Customer Service Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD'(assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 26 Aug 26 INTERNET PAYMENT -THANK YOU $ -450.00 lbL V t Account number ending in 7091 D1SQC J Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodabie, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discover.com/paperless ©2009 Discover Bank, Member FDIC Closing Date: August 27, 2008 page 2 of 2 Finance Charge Summary Promotion: 1.90% APR on all purchases made through 12/31/08. Promotional Rate valid through January 2009 statement. Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.04038% 14.74% V 14,74% $0 $0 Promotional APR $0 0,00521% 1.90% F 1.90% $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $10270.96 0.00000% 0.00% F 0.00% $0 $0 ;previous billing period: 30 days Purchases $0 0.04038% 14.74% V 14.74%0 $0 none The rates that apply to your Ac count are either hated (F) or they may vary (V) as noted above. ,Oiiestinns? Mnnnnp vcsur account at Discover.com or CSC' E`ER $9,400.00 27 SDSN6A01 0013062 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 rvununurn ruymi nl vv? _1 Ui? ivvinuei W_rlu m ,vr t $188.00 J Enter Amount Enclosed Below Payment Due Date October 26, 2008 Please makeicheck payable to Discover Card or pay online @ Discovercard.com. Address; e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 111 1111 CHARLOTTE NC 28272-1084 Irrl1111JIrrl,llrnlrILLrrIIIII IIhII III] rIII III JIII dIIII 0000019866180065990590914000000000000018800 Discover More Card Account Summary Closing Date: September 27, 2008 page l of 2 Account number ending in 7091 Previous Balance $9,850.00 Payment Due Date October 26, 2008 Payments And Credits 450.00 Minimum Payment Due $188.00 Purchases + 0.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $1,600.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 finance Charges + 0.00 Cash, Credit Available $1,600.00 New Balance = $9,400.06 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 28.69 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 28.69 Cashback Bonuse Anniversary Month: June CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800-347-2683) to redeern. P `A / 1. Visit Discover.com to pay your bill for no cost, view your How Can We Help 1 elp ?/ I ou? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 26 Sep 26 INTERNET PAYMENT -THANK YOU $ -450.00 I L _ V LGw " F.Y. J - Account number ending in 7091 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discover.com/paperless . OW ?. - - -I - _A" ©2009 Discover Bank, Member FDIC Closing Date. September 27, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00545%; corresponding A NNUAL PERCENTAGE RATE: 1.99%. Rate is subject to the terms of the offer including expiration. ,Promotion: 1:90% APR on all purchases made through 12/31/08. Promotional Rate valid through January 200 9 statement. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases , $0 0.04038% 14.74% V 14.74% $0 $0 Promotional APR $0 0.00521 % 1.90% F 1.90% $0 $0 Cash Advances $0 0.06299% 22.99% F 22,99% $0 $0 (Balance Transfers $9820.96 0.00000% 0.00% F 0.000% $0 $0 The rates that apply to your Account are either fired (F) or they may vary (V) as noted above. Questions? Manaae vour account at Discover.com or 27 SDSN6A01 0013063 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBUIRG SHIPPENSBURG PA 1.7257-9534 $1T9.00 Enter Amount Enclosed Below Payment Due Date $ November 26, 2008 please make check payable to Discover Card or pay online Q Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. ?lltular?l(i PO BOX 71084 111111I1 111111 CHARLOTTE NC 28272-1084 Inllllrllnlllll?ullllllnlllllullnlulllllnlnlulllnll 000001986618006599059089500000000000017900 Discover More Card Account Summary Closinq Date: Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available October 27, 2008 page 1 of 2 7091 Previous Balance $9,400.00 November 26, 2008 Payments And Credits 450.00 $179.00 Purchases + 0:00 $11,000.00 Cash Advances + 0.00 $2,050.00 Balance Transfers + 0.00 $5,500.00 Finance Charges + 0.00 $2,050.00 New Balance = $8,950.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 28.69 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 28.69 Cashback Bonus® Anniversary Month: June How Can We Hel You? p 1. Visit Discovencom to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Cord 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 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 26 Oct 26 INTERNET PAYMENT-THANK YOU $ -450.00 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rate: 0.00545%; corresponding ANNUAL PERCENTAGE RATE: 1.99% Finance Charge Summary Promotion: 1:90% APR on all purchases made through 12/31/08. Promotiona l Rate valid through January 2009 statement. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.04038% 14.74% V 14.74% $0 $0 Promotional APR $0 0.00521% 1.90% F 1.901/ $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $9370.00 0.00000% 0.00% F 0.00% $0 $0 The rates that o0ply to your Account are either fined (F) or they may vary (V) as noted above. - ,. t I-A (`,.,..1.9 \A/1....11...__ W. C__ __ ....: _..___._? L-II __ _---- _.. i.. I , . I .. ... .-. ,.., -- . ?Z) Y Account number ending in 7091 October 27, 20081 page 2 or 2 Cashback Bonus o Award Summary Cashback Bonus Anniversary Date: June 27 Balance Previous Cashback Bonus Award Balance $ 28.69 Purchase Award Theis Period + 0.00 Cashback Bonus Award Total 28.69 Cashback Bonus Amiard Balance 28.69 Award Available to Redeem $ 20.00 Rasteidiont apply to the CaA6ack Barius Partner offers-visit Distoverxom or call I=80MI5COVER (1=8001.47-2683) for details. For program details, see the Cashback Bonus grogram Terms and Conditions. E VET, $877 00 27 SDSN6A01 0013064 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 inn i.... I, i uy...-1 uwc ?uuvuiu ivun uo? uWiy w , -, . $176.00 _? Enter Amount Enclosed Below Payment Due Date December 26, 2008 Please make check payable to Discover Card or pay online Q Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 111 1111INIIIIIIIIIIIIIIIIII CHARLOTTE NC 28272-1084 lul1llnIf III ltIN III Il,lIN IIII iIN IN llIII IIleJ??I,?IJi?lI 0000019866],8006599059087710000000000017600 Discover More Card Account Summary Closing Date: November 27, 2008 page 1 of 2 Account number ending in 7091 Previous Balance $8,950.00 Payment Due Date December 26, 2008 Payments And Credits 179.00 Minimum Payment Due $176.00 Purchases + 0.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $2,229.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 0.00 Cash Credit Available $2,229.00 New Balance = $8,771.00 You may be able to avoid Periodic Finance Charge s, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 28.69 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 28.69 Cashback BonusS Anniversary Month: June CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more I't's your choice 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 26 Nov 26 INTERNET PAYMENT -THANK YOU $ .179.00 Information For You Balance, Transfer offer(s) for current billing period: Daily Periodic Rate: 0.00546%0; corresponding ANNUAL PERCENTAGE RATE: 1.99% Account number ending in 7091 ,Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadoble, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Dascovercom/paaperless 101, ...,, m.. -- - -- ._ ._ . s ©2009 Discover Bank, Member FDIC Closing Date: November 27, 2008 page 2 of 2 ,Finance Charge Summary ;Promotion: 1.90%o APR on all purchases made through 12/31/08. Promotional Rate valid through January 2009 statement. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing' period: 31 days Purchases $0 0.03764% 13.7.4% V 13.74% $0 $0 Promotional APR $0 0.00521% 1.90% F 1.90% $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $8938..45 0.00000% 0.00% F 0.00% $0 $0 The rates that apply to your Ac count ore either Fixer (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or 1 V $8,595.00y? 27 SDSN6A01 0013065 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG'["A 17257-9534 $172.00 Enter Amount Enclosed Below Payment Due Date $ January 26, 2009 Please make check payable to Discover Card or pay online Q Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 Illiullnrnlrll?eilnrlll CHARLOTTE NC 28272-1084 i„LIInLr?IJL??I?,I?I???IIII?r?Ir?L?L?ll??l?rlr?l?l??ll 0C10001986612006599059085950000000000017200 Discover More Card Account Summary Closing Date: December 27, 2008 page 1 of 2 Account number ending in 7091 Previous Balance $8,771.00 Payment Due Date January 26, 2009 Payments And Credits - 176.00 Minimum Payment Due $172.00 Purchases + 0.00 Credit Limit $11,000,00 Cash Advances + 0.00 Credit Available $2,405.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 0.00 Cash Credit Available $2,405.00 New Balance = $8,595.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 28.69 New Cashback Bonus This Period + 0.00 CashbackBonus(D Anniversary Month: June CONGRATULATIONS! Your Cashback Bonus(R)`is waiting for you. Visit Discovec.com or call 1-800-DISCOVER (1-800-347-2683) to redeem. Cash$ack Bonus Balance 28,69 Hove Can We Hel You? 1. Visit Discover.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager i Please have your Discover Card available. 3. Write vs at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 26 Dec 26 INTERNET PAYMENT -THANK YOU $ -176.00 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rater 0.00545% corresponding ANNUAL PERCENTAGE RATE: 1.99% 'rte V ,? Account number ending in 7091 L ,_ Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discover.com/paperless R` w N NO ,. s x „ ._w_..._- ------- MAO ©2009 Discover Bank, Member FDIC Closing Date: December 27, 2008 page 2 of 2 Finance Charge Summary Promotion: 1.90% APR on all purchases made through 12/31/08. Promotional Rate valid through January 2009 statement. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.03764% 13.74% V 13.74% $0 $0 Promotional APR $0 0.00521% 1.90% F 1.90% $0 $0 'Cash Advances $0 0`.C6299% 22.99% F 22.99% $0 $0 Balance Transfers $8759.25 0.00000% 0.00% F 0.00% $0 $0 The rates tha+ apply to, your Account are either fixer! oF hey may vary (V) as noted above. Questions? Manage your account at Discover.com or Disc ?? $8,818.32 0 27 SDSN6A01 0013066 B'ERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $372.00 Enter Amount Enclosed Below Payment Due Date February 26, 2009 Please make check payable to Discover Card. Minimum ayyment due includes a past due amount Minimum Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comipaperless. PV BOX 71084 111] 1111 1111111 111111 111111 CHARLOTTE NC 28272-1084 III], I I I1111 III 11111 I I I111111111If 1III III 111111?L1L,l1LJ1 000001986618006599059088183200000000037200 Discover More Card Account Summary Closing Date: January 27, 2009 page 1 of t Account number ending in 7091 Previous Balance $8,595.00 Payment Due Date February 26, 2009 Payments And Credits 0.00 Minimum Payment Due $372.00 Purchases + 39.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $2,181.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 184.32 Cash Credit Available $2,181.00 New Balance $8,818.32 Cashback Bonuso Opening Cashback Bonus Balance $ 28.69 New Cashback Bonus This Period + 0.00 Cashback Bonuv(D Anniversary Month: June Cashback Bonus Balance $ 28.69 How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view our p latest Account information, earn and redeem rewards and more It's your choice - 3 Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Othet/Miscellaneous Jan 27 Jan27 LATE FEE $ 39.00 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rate: 0.06847%; corresponding ANNUAL PERCENTAGE RATE: 24.99%. * * * ATTENTION ** * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.06847% 2499% F 24.99% $0 $0 Promotional APR $0 0.06847% 24.99% F 24.99% $0 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 Balance Transfers $8683.86 0.06847% 2499% F 2499% $18432 $0 The rates that apply to your Account dre either fixed (F) or they may vary (V) as noted above LA L,ti '?7 t $9,046.43 27 SDSN6A01 0013067 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Payment Due Date March 26, 2009 Please make check payable to Discover Card. Minimum pa ment due includes a past due amount of $372.00. $577.00 I Enter Amount Enclosed Below Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 CHARLOTTE NC 28272-1084 )n)r?)n)nr?r))ur?r??r)ni))))tn?at)n?n?)n)rc?u)r)n?) 000001986618006599059090464300000000057700 'Discover More Card Account Summary Closing Date: February 27, 2009 page 1 of 1 Account number ending in 7091 Previous Balance $8,818.32 ,Payment Due Date March 26, 2009 Payments And Credits 0.00 Minimum Payment Due $577.00 Purchases + 39.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $1;953.00 Balance Transfers + 0.00 Cash Credit Limit $5;500.00 Finance Charges + 189,11 Cash Credit Available $1,953.00 New Balance = $9;046.43 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 28.69 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 28.69 'Cashback Bonus(D Anniversary !Month: June HOW Can We -II You? h 1. Visit Discover.com to pay your bill for no cost, view your l A f m atest ccount in or ation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast easy self service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 .Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date' Date Other/Miscellaneous Feb 27 Feb 27 LATE FEE $ 39.00 ;Information For You * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Raies RATES RATES CHARGES CHARGES current billing period: 31 days 'Purchases $39.40 0.06847% 24.99% F 24.99% $0.84 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 BdlonceTransfers $8870,08 0.06847% 24.99% F 2499% $188.27 $0 The rates that apply to your Account are either fixod (F) or they may vary (V) ds hated above LAbL" '7 I1 $9,079.23 27 SDSN6A01 0013068 BERRIER, KELBY O MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 lVllfll111V111 1 Uylllelll uuC I Y u( uVIII jwmuef erlumq In f V7 1 $586.00 ! Enter Amount Enclosed Below Payment Due Date J April 26, 2009 Please make check payable to Discover Card. Minimum pa ment due includes a past due amount of $396.00. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover,com/paperiess. PO BOX 71084 111111 11 1111111 111111111111 CHARLOTTE NC 28272-1084 I I [III I I,I111I II I1] 1I11I1111111111[11]111111111111111111111111 000007,98667,8006599059090792300187,000058600 Discover More Card Account Summary Closing Date: March 27, 2009 page 1 of 1 Account number ending in 7091 Previous Balance $9;046.43 Payment Due Date April 26, 2009 Payments And Credits 181.00 Minimum Payment Due $586.00 Purchases + 39.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $1,920.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 174,80 Cash Credit Available $1;920.00 New Balance = $9,079.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 28.69 New Cashback Bonus This Period + 0.00 Redeemed This Period 28.69 Cashback BonusO Anniversary Cashback Bonus Balance $ 0.00 Month: June HOW Can We Help You? h 1. Visit Discover.com to pay your bill for no cost, view your la A t test ccoun information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability !Guarantee Use your Discover Cord with confidence. Trans. Post Date Date Payments and Credits Mar 26 Mar 26 PAYMENT- THANK YOU $ -181.00 Other/Miscellaneous Mar 27 Mar 27 LATE FEE 39.00 Information For You * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $79.57 0.06847% 24.99% F 24.99% $1.53 $U i Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 Balance Transfers $9038.04 0.06847% 24.99% F 24.99% $173.27 $0 The rates that epply to your Account are either fisted (F) or they May vary (V) as noted above. I $9,312.93 - 27 SDSN6A01 0013069 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $796.00 Enter Amount Enclosed Below Payment Due Date $ l May 26, 2009 please make check payable to Discover Card. Minimum payment due includes a past due amount of $586.00. Address, e-mail or telephone change? Print chance in space above, or go to Discover.r-om. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 71084 111111ILnIf l1ii,n1n1111 CHARLOTTE NC 28272-1084 I11 I,I1111 11111111 111 1111111111, r,1If 1rr1n111111rlulfill] I 0000019866],8006599059093129300000000079600 Discover More Card Account Summary Closing Date: April 27, 2009 page 1 of 1 Account number ending in 7091 Previous Balance $9,079.23 Payment Due Date May 26, 2009 Payments And Credits 0.00 Minimum, Payment Due $796.00 Purchases + 39.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $1,687,00 Balance Transfers + 0.00 Cash Credit Limit $5;500.00 Finance Charges + 194.70 Cash Credit Available $1,687,00 New Balance $9,312.93 You may be able to avoid Periodic Finan ce Charges, see the reverse side For details. Cashback Bonus" Opening Cashback Bonus Balance $ 0.00 New Cashbook Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonuse Anniversary Month: June `I01/N Can We Help You? h 1. Visit Discovencom to pay your bill for no cost, view your l A It's your choice - 3 ways to help atest ccount information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available, options or to speak with a Customer Service Account Manager ForTDD (assistance for hearing impaired) see reverse side 3' Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date ,Other/Miscellaneous Apr 27 Apr 27 LATE FEE $ 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for Future payments' should be made immediately. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily B l Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a ances Rai es RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $120.60 0.06847% 24.99% F 24.99% $2.56 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 Balance Transfers $9052.49 0.06847% 24.99% F 24.99% $192.14 $0 The rates that apply to your Account are either fixed (F) or they ray vary (V) as noted above iK - 1 -11 $9,545.13 27 SDSNBA01 001,3070 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 IY III IIIIIVIiI ? UyI1l Olll VUO /'?LVUUiII I VU1114Jb1 CIIUIIIL? III < V7 6 $1,005.00 Enter Amount Enclosed Below Payment Due Date $ June 22, 2009 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $796.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 III"°II°"°°I°II°nl,ulll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019866118006599059095451300000000100500 Discover More Card Account Summary Closing Date: May 27, 2009 Account number ending in 7091 Payment Due Date June 22, 2009 Minimum Payment Due $1,005.00 Credit Limit $11,000.00 Credit Available $1,454.00 Cash Credit Limit $5,500.00 Cash Credit Available $1,454.00 page 1 of 2 Previous Balance $9,312.93 Payments And Credits 0.00 Purchases + 39.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 193.20 New Balance $9,545.13 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus(D Anniversary Month: June ??J How Can Y1/ a ?? You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 Ways to help 2. Call 1-800-DISCOVER (347.2683) For fast, easy self-service 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 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous May 27 May 27 LATE FEE $ 39.00 Information For `IP"ou While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers'. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. Seethe Default Rate Plan section of the Cardmember Agreement for details. 'ATTENTION' * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Uri Account number ending in 7091 g li -Dj y? _ _i Get added security with no paper trail Make your account information more secure with Inossword-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's cvailable rather than wait for it to arrive, in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. Print a paper copy of your statement anytime. ROW Sign up today at Discover.com/paperless R ©2009 Discover (ionic, Member FDIC Closing Date: May 27, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES Curren" billing period: 30 days Purchases $162.54 0.06847% 24,99% F 2,4.99% $3.34 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 Balance Transfers $9243:44 0.06847% 24.99% F 24.99% $189.86 $0 The rates that apply to your Account are either fixes! (FI an they may vary (V) as noted above. QueStionS? Manage your account ai' Discover.com or 27 SDSNbAO1 0013071 BERRIER, KEL'EY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 . ovn.,yn?mn vvv nLLVV? ? ?vvn vo iiu ry i . yr ? $1,?p2.fl0 Enter Amount Enclosed Below Payment Due Date July 22, 2004 please make check payable to Discover Card. Minimum payment due includes a post due amount of $982.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 IIInrllunrlrlln,IurIII CHARLOTTE NC 28272-1084 Address, a-mail' or telephone change? Print change in space ` ?xxlrlf xxlxxxl?' „x?xxlxlxrxl? Ilxnlu1n1x,Iln1xalrpill x,if to Discover.com. Print your e-mail address to above, or go receive important Account information and special offers. 000001x98667,6006599059099698 2000000001r20200 Discover More Card Account Summary Closing Date; June 27, 2009 page l of 2 Account number ending in 7091, Previous Balance $9,545.13 Payment Due Date July 22, 2009 Payments And Credits 181.00 Minimum Payment Due $1,202.00 Purchases + 39.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 204.69 Cash Credit Available $0.00 New Balance - $9,969.82 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: June Cashback Bonus Balance $ 0.00 ®Vd CQII' W@@(p YOLK 1 • Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. 3. options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 ,Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and credits Jun 2 Apr 27 PAYMENT ADJUSTMENT $ 181.00 OiherfMiscellaneous Jun 23 Jun 23 LATE FEE 39,00 ' Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate; and applied the standard APR for purchases to your outstanding-balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. * * * ATTENTION **` Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. b I: K I` 1 .. r-,- - F?:?? 1 Account'number ending in 7091 DICED Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloadable, printable statements. • See your statement as soon as it's cvailable rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless k ON009 Discover bank, Member FDIC Closing Date: June 27, 2009 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE FINANCE current billing period: 31 days CHARGES CHARGES Purchases $205.37 0.06847% 24.99% F 24.99% $436 $0 Cash Advances $0 0.07395% 26.99% F 26,99% $0 $0 Balance Transfers $9438.44 0.06847% 24.99% F 24.99% $200.33 $0 The rates that apply to your Account are either Fix6d (F) or the y may vdry (V) d' noted abovt. Questions? Mancge your account at Discover.com or 5, $10,025.89 27 SDSN6A01 0013072 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 v:tnnuvnt t uyutcrn we I nw?.nd i vvn wci uu :.? :: . v,. o $1,230.00 Enter Amount Enclosed Below Payment Due Date $ 1 1 August 22, 2009 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $1,01 1.00. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 111 CHARLOTTE NC 28272-1084 11,11111,111111111111011,111,1111 1,11 1,11,111 11111111111111111 000007,986618006599059100258900186000123000 Discover More Card Account Summary Closing Date: July 27, 2009 page 1 of 2 Account number ending in 7091 Payment Due Date August 22, 2009 Minimum Payment Due $1,230.00 Credit Limit $11,000,00 Credit Available $0.00 Cash Credit Limit $5,500.00 Cash Credit Available $0.00 Previous Balance $9,964:82 Payments And Credits - 186.00 Purchases + 39.00 Cash Advances + 0,00 Balance Transfers + 0.00 Finance Charges + 203.07 New Balance $10,025.89 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0100 Cashback BonusS Anniversary Month: ;tune Hove Can We Help You? 1. Visit Diseover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help Please have your Discover Card available: For TDD (assistance for hearing impaired) see reverse side 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jul 25 Jul 25 PAYMENT - THANK YOU $ •186.00 Other/Miscellaneous Jul 23 Jul 23 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standardAPR For purchases to your outstanding balance of purchases and balance transfers. However, we, reserve the right to increase the APRs on your Account if you fail to pay the minimum payment' due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. ***'ATTENTION *** Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. X`,?L (t: Account'number ending in 7091 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodable, printable statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless R:. 02009 Discover Bonk, Member FDIC Closing Date: July 27, 2009 page 2 of 2 ;Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days 'Purchases $249.09 0.06847% 24.99% F 2499% $5.12 - $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 Balance Transfers $9637.03 0:06847% 24.99% F 24.99% $197.95 $0 The raies that ap I to our ,Account are either fixed (F) or they may vpry.(,V) as noted above. Questions? Manage your account at Discover.com ?5 .. ?V E R $10,279.90 V 27 SDSN6A01 0013073 BERRIER, KELB'Y D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG IPA 17257-4534 $1,461 AO M?_v_ V Enter Amount Enclosed Below - Payment Due Date $ 1- September 22, 2009 Please make check payable to Discover Card. Minimum pa rent due includes a past due . amount of $1,230.00. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. Po Box 71084 III,rrl[,rrIf lIII „IIIII III CHARLOTTE NC 28272-1084 Ir,I]Ilrfill III III III II II Ir,1i11III lr,lr11111L,lr,IIrlrl„ll 0000019866180065990591027990000000001461,00 Discover More Carol Account Summary Closing Date: August 27, 2009 page 1 of 1 Account number ending in 7091 Previous Balance $10,025.89 Payment Due Date September 22, 2009 Payments And Credits 0.00 Minimum Payment Due $1,461.00 Purchases + 39.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 215.01 Cash Credit Available $0.00 New Balance - $10,279.90 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Opening Cashback Bonus Balance $ 0,00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus(R) Anniversary Month: June How Can We HMI You? 1. Visit Discover.com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ,ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous- Aug 23 Aug 23 LATE FEE $ 39.00 'Information For You *** ATTENTION *** Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balanc Periodic R PERCENTAGE RATES PERCENTAGE FINANCE -FINANCE es ates RATES CHARGES CHARGES current billing period: 31 days Purchases $10129.55 0.06847% 24.99% F 24.99% $215.01 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. da $10,539.36 27 SDSN6A01 0013074 BERRIER, KEL13Y D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $1,697.00 ' Enter Amount Enclosed B81ow Payment Due Date - October 22, 2009 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $1,461.00. Address, e-mail or telephone change? Print change in space above, or go to Discover.oom. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless, PO BOX 71084 IIIILL111IfIIIIIIIIIIIIIIII CHARLOTTE NC 28272-1084 IIJIIIIII...I1IIItll11LLI.IIIIIrIIIIIIIIIIILILII,1It1.tll 000001986618006599059105393600`000000169700 Discover More (Card Account Summary Closing Date: September 27, 2009 page 1 of 1 ;Account number ending in 7091 Previous Balance $10,279.90 jPayment Due Date October 22, 2009 Payments And Credits 0.00 Minimum Payment Due $1,697.00 Purchases + 39.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 .Cash Credit Limit $5,500.00 Finance Charges + 220.46 !Cash Credit Available $0.00 New Balance = $10,539.36 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus. This Period + 0.00 Cashback Bonus Balance $ 0100 Cashback Bonus(D Anniversary Month: June HOW Can We Help YOU 1. Visit Discover.com to pay your bill for no cost, view your l atest Account information, earn and redeem rewards and more It's your choice - 3 Mays to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service Please haveyour Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side ; 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date OtherpMiscellaneous Sep 23 Sep 23 'ATE FEE $ 39.00 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days ,Purchases $10386.18 0.06847% 2499% F 24.99% $220.46 $0 ,Cosh Advances $0 0.07395% 26.99% F 26.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above ("?i% - IYtl VY UUIUiIVG - ? $0.00 30 SDSN6A01 0013075 BERRIER, KELB`! D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 lY11IIIIIl Vf11 ? Uy111C111 ?Up /'ibCUVl II IYVInvOI G l illy , , v f , $1,908.00 Enter Ariount Enclosed Below Payment Due Date $ 1 - i October 25, 2009 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 (IIu?IIu?nl lrllu?el?ull CAROL STREAM IL 60197-61 03 Address, e-mail or telephone change? Print change in space I?IInI?r,un1ll1 Ir1 1111 1 1I11 i111 lllLifif1111 11 11111 li11 1 ll above, or go to Discover:com. Print your e-mail address to 1 receive important Account information and special offers. 00000198661,8006599059000000 0000000007,90800 Discover More Card Account Summary Closing Date; September 30, 2009 page 1 of 1 Account number ending in 7091 Previous Balance $10,539.36 Payment Due Date October 25, 2009 Payments And Credits - 10,539.36 Minimum Payment Due $1,908:00 Purchases + 0.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,500.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance - MOO Cashback BonuC Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: June We How Can YY ?E!? {? You? 1 . Visit Discover.com to pay your bill for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side ? 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. 'Trans. Post Date Date Payments and, Credits Sep 30 Sep 30 INTERNAL CHARGE-OFF $ -10,539.36 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily` Pericdic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rater, RATES RATES CHARGES CHARGES current' billing period: 3 days Purchases $0 0,06847% 24.99% F 24.99% $0 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as hated above, $10,539.36 22 SDS'MA01 0013076 BERRIER, KELBY D MOBILE EST lib SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $10,539.36 _V Enter Amount Enclosed Below Payment Due Date $ f -1 November 17, 2009 Please make check payable to Discover Card. Minimum payment due includes a past due amount or $1,908.00. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 6103 Ill,nllnnrlrlrrlrlr?'rrl CAROL STREAM IL 60197-6103 11 lln11111111111111111If III III IIf 11if III 1III 11111HIIII 111111 00000198661i50065990591I15393600000001053936 `Discover More Card Account Summary Closing Date: October 22, 2009 page 1 of 1 Account. number ending in 7091 Previous Balance $10,339.36 Payment Due Date November 17, 2009 Payments And Credits 0.00 Minimum Payment Due $10,539.36 Purchases + 0.00 Credit Limit $11,000.00 Cash Advances + 0.00 Credit Available $0,00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $10,539.36 Cashback Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback$onus(D Anniversary :Month: June We f.?e?1 HOW Can YY 1. Visit Discover.com to pay your bill for no cost, view your p VO(jI latest Account information, earn and redeem rewards and more It's your choice - 3 ways t0 help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130 finance -Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 22 dcys Purchases $0 0.06847% 24.99% F 24.99% $0 $0 Cash Advances $0 0.07395% 26.99% F 26.99% $0 $0 The rates thrit;apply t6 your Account are either 646 (F) or they may vary (V) as noted above YOU DPSCOVE CARD ACCOUNT CARDMEAABER AGREEMENT ............................ Pages 1-13 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "R;ghl to Reject Arbitration" section at page 12. PRIVACY POLICY..._.__ .................................. Pages 13-16 A summary of the personal information we collect, when it may be shared with others and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 o; the Privacy Policy at page 15. BILLING RIGHTS. ... __ ............ ......... ........... Pages 16-17 important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE....... Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Coilision Coverage that is provided at no charge to you when you use your Curd to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE...... ... ...... ............ . Page 25 The terms and conditions of this free travel assistance benefit. 02009 Discover Bank, Member FDIC TL2113.0509 CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover Card Account. It contains the terms and conditions of your Account, some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreement shall control. We respect your privacy. See the Privacy section on page 9 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 12 describes the procedure you must follow if you desire to reject the Arbitration of Disputes section. DEFINITIONS 2 USING YOUR ACCOUNT 2 Your Acceptance of this Agreement ...... _ .............................. ...................... 2 Permitted Uses of Your Account._ ........................................ ...._................ 2 Prohibited Uses of Your Account .......................................... ...................... 3 Purchases and Cash Advances in Foreign Currencies ........ ...................... 3 Cash Advances .......... ........... -............................ .................. ......... ..:............ 3 Balance Transfers ....................... .......... ................ ............... ... ........... ....... 3 Credit Authorizations ............................................................. ...................... 3 Authorized' Users... ..............................._ _........... .................. ......... .......... .. 3 Unauthorized Use ............ .................. ......... ............................ ............. ........ 3 Your Credit Lines ................................. .......... ........................ .............. ....... 4 MAKING PNeMENTS ............................... .................................... .... ............ _.. 4 Promise to Pay ....................................................................... ..................... 4 Monthly Billing Statement..._ ..........................._.................... ..................... 4 Monthly Payment Options ................._......... _..._ ................ .................... 4 Automatic Billing Airangements ........... ......... _...................... ......... _.......... 5 How We Apply Payments ................. _ ._............................... .... ................... 5 Minimum Monthly Payment ................................................... ..................... 5 Skip-A-Payment Offers ........................................................... ..................... 5 Credit Balances ...................................................................... ..................... 5 FINANCE CHARGES .......... ........:............. .................................... ...... ..........._....5 How We-Calculate Periodic Finance Charges ....................... .......................5 How We Calculate Your Balances ......._ ........ .....:.................. ................. .... 6 Variable orFixed Interest: Rates .......... ........ ....... ..................... 7 Default Rate ............................................................................ ..................... 7 Cash Advance TransactionFee Finance Charges ................ .................... 7 Balance Transfer Transaction Fee Finance Charges ........... .................... 8 Foreign Currency Transaction Fee Finance Charges ............ ......................8 Mlinimum Finance Charge ............. ....... ................................ ..................... 8 FEES .............. ................................................. ........... ...... ::.......... ... ..... ........... . 8 Annual Fee ............... ............... .... ........ .......... _..................... .................. ....8 Late Fee ............_ ....................................................... <<......... .................... 8 Overlimit Fee ............ ............................................................. ......................8 Returned Payment Fee ................. ..- ........................... ..._...... ......... ........ 8 Returned Discover Card Check Fee ..................................... ... ................. 9 Pay-By-Phone Fee .............. - .................................................... ...................9 Research Fee ................... -........................................... ........... . ......... ........ 9 DEFAULT AND CANCELLATION .................................................... ................. 9 Types of Default .... ........................................... ........................ ................... 9 Consequences of Default ......................... ........................... ..._. ................. 9 Cancellation ................................................................................ ...................9 PRIVACY AND OUR COMMUNICATIONS WITH YOU .................. ...................9 Our Privacy Policy ...................................................................... ...................9 Reporting to Credit Reporting Agencies .................................... ................. 9 Our Communications with You ...................... .................. ......... . ..... _........ 10 Releasing Information About Your Account.._ ........................... ............... 10 Electronic Notices to You .......................................................... ......... ... 10 Notices - Changes to Your Information ..................................... ............... 10 CLAIMS AND DISPUTES ....................................... ....--............... . .......... .......10 Merchant Disputes ................. -................................................ . ......... ........10 Claim Notices ............................................................................ .................10 Arbitration of Disputes ........................ .................................... _. ................. 11 Right to Reject Arbitration.,. .........................._........................... _................12 .... LEGAL INTERPRETATION OF THIS AGREEMENT.... ............ ................. 13 Severabifity ................................................................................. .................13 Compliance with Interest Rate Limitations ................................ .................13 Governing Law ........................................................................... .................13 ASSIGNMENT OF ACCOUNT.: ....................................................... .................13 CHANGES TO THIS AGREEMENT.........: ....................................... .................13 DEFINITIONS "Account" means your Discover Card Account. "Authorized User" means any person whom you authorize to use your Account or a Card, whether you notify us or not. "Card" means any one or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule is part of this Agreement. "We," "us" and "our" refer to Discover Bank, the issuer of your Discover Card. "You," "your" or "yours" refer to, in addition to you, the Cardmernber, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement. The use of your Account or a Card by you or an Authorized User, or your failure to cancel yourAccount within 30 days after receiving a Card, means you accept this Agree-meat, including the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of Disputes section as explained an page 12. Permitted Uses of Your Account. Your Account may be used for. Purchases - to purchase or lease goods or services from par-ticipating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. Cash Advances -to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, travelers checks, savings bonds, foreign currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such add tional tenns and conditions as we may offer from time to time. In addition, your Account maybe used to guarantee reservations a: partic-i-pating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment. Your Account may be used for personal, family, household and charitable purposes. Prohibited. Uses of Your Account. YourAccount may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agree-ment or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"), Purchases and Cash Advances in Foreign Currencies. If you make a purchase or cash advance in a foreign currency, it will be converted to U.S. dollars using either a government-mandated rate, a government-published fate or the interbank exchange rate, depending on the country and currency in which the transaction is made. The rate used will be the rare in effect on 'he conversion date for the transaction, which may be different than the Transaction Date as shown on your statement. We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foe gn currency as described in the Foreign Currency Transaction Fee Finance Charges section on page 8. Cash Advances. We may periodically offer you special rates on cash advances for the time period specified in the offer, subject to the Default Rate section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. After the expiration of the special rate, the standard Annual Percentage Rate for cash advances Will apply. Balance Transfers. We may periodically offer you the oppor-tunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain an initial special rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, if applicable. After the expiration of this time period, the Annual Percentage Rate that applies for purchases will apply to trans-ferred balances. Balance iransiers subject to the initial special rate are referred to as special rate balance transfers; balance transfers for which the initial special rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We wili not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases. you may be asked to orov deidentifica}ion. We have ^e night not to authorize a transactior for security or ether reasons. Also, if our authorization system is not working, vve may not be able to authorize a transaction. We will not be liab'.e to you f any of these events happen. Authorized Users. If you want to cancel the authority of a current Authorized User fo use your Account or a Card, you must notify us and destroy any Cardin that person's possession. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom it is issued. If a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Discover' Card, PO Box 30943, Salt Lake City, UT 84130- 0943. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of yourAccount or a Card and to comp!y with such procedures as we may require in connection with our invest-igation. Your Credit Lines. We will advise you of your Account credit line. We may impose a lower line that will apply to cash advances, referred to as the cash advance credit line. We may also impose a lower line that will apply to balance transfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, including Finance Charges and fees, t exceed your Account credit line. If you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line. We may increase or decrease your Account credit line, your cash advance credit tine or your balance transfer credit line wiihout notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing yow unpa d oa!ances by the amount of any payment that we receive. Your avail-able credit will not be increased by the amount of any credit balance. MAKING PAYMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers including applicable Finance, Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are using your Account or a Card. If you, pay us in other than U.S. dollars, we may reuse to adept "the payment or charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may 110# use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account: If your Account is a cintAccount, each of you agrees to be liable individually and jointly for the entire amount owed on your Account. We can accept late payments or partial payments or checks and money orders markers "payment in full' or with any other restrictive endorsement without losing any of our rights under this Agreement. Monthly Billing, Statement. We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, uniess we warive our right to do so as pemTtted by law. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to yourAccourtduring ,he pilling period. It will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement. See the Minimum Monthly Payment section on page 5. Monthly Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at leas, ire, Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms, including the payment cutoff time, stated on your monthly Wiling statement, and we will credit your Account in accord-ante with those terms. In addition, we reserve the right to change those terms without prior notice as permitted bylaw. Automatic Billing Arrangements. If yourAccount number and/or Card expiration date changes and our records indicate you have automatic billing established with a merchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted biliing, we recommend that you verify the merchant has your new Account information. You must contact the merchant directly if you do not wish to continue the automatic billing arrangement. How We Apply Payments. We will apply payments and credits to the New Balance shown on your current billing statement in order of the Annual Percentage Rate appl cable to the balance of each transaction category (as referenced in the Finance Charges section), generally from lowest to highest begin-ning with the balance subject to the lowest Annual Per-centage Rate. W°e thcn apply payments and credits to any new transactions using the same method. However, we have the right to apply payments and credits to balances with higher Annual Percentage Rates prior to balances with IowerAnnual Percentage Rates, such as when there are two initial special rates applicable to your Account and the IowerAnnual Percentage Rate will expire before the higherAnnuai Percentage Rate. Minimum, Monthly Payment. The Minimum Payment Due each month vnll be the greater of: the New Balance if it is less than $15; $15 if the New Balance is $15 or more; or any past due amount plus the greater of: 2% of the New Balance (excluding current Periodic Finance Charges, Late and Overlimit Fees) rounded up to the nearest dollar or current Periodic, Finance Charges plus Late and Overlimit Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. We may also include some or all the amount by which you exceed your Account credit line. If more than 90% of your New Balance consists of special-rate balance transfers; we may, at our discretion, increase your Minimum Payment Due to a maximum of 4% of the New Balance if, it would otherwise be less than that. We may subtract certain fees to calculate the Mini-mum Payment Due. The Minimum Payment Due will never exceed the New Balance. Paying the Minimum Payment Due maybe insufficient to bring your Account balance below your Account credit line and, consequently, may not avoid the imposition of an additional Overlimit Fee described in the Overlimit Fee section. Skip-A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available- It you take advantage of this offer and do not, make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following biliing periods. Credit Balances. We will refund any credit balance within seven business days from receipt of your written request. If you do not request a refund, we will au'amatically refund credit balances greyer than $1 that remain in your Account after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your billing statement, vniess a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day -of the billing per od in which it is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance, by making paymenis or receiving credits. However; if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement and you pay the New Balance by the Payment Due Date on your iQdI,.Ri .echoY o urL aACis 1. i pp t tb g +,em ..a+tutsi;lie graceper.,h3. 4F,vi` is€yk ?i, ,x.tt [?hl rig t,.rilent, 1 ,ti I got I Tr t'a it i, C on (' tP. s i5, y'itFC ,d1ES `s;FSt Er ea I St t,; r., r„7;,y; f? i, n g tfS u 7 grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, arid balance transfers and then further sort She transactions within each group by theirAnnuai Percentage Rate. For example: Purchases subject to a promotional rate and purchases subject to a standard rate Would be separate groups. We r efer to these groups as transa dticn categories. A! Ina end of each biding period, wef compute balances and Periodic Finance Charges for each day of the biiling period for each transaction category. We use the following equal+en ;b compute Periodic Finance Charges for each transaction cater cry: (Average Daily Balance) times (days in billing period) times (Daily Periodic Bate). (You may refer to the finance charge surnmary+ on your billing stateithent for these amounts.) Then we acrd up the Periodic Finance Charges for each tian*. then category to get the toiai Periodic f=inance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace , e0d, no Periodic Finance Charge, apply to tine baianc e in a trans-action category: Mow We Calculate Your Balances- V1fe use the Average Daily Balance (including new transactions) rnethod of calculatirng the tralarl union ,vhicr, we mpose Penoa;:; Finance 0 arg s We cornpute the Average Daily Balance for each transaction category by adding up all the daily balances in a buffing period for a transaction category and d viding t e ,fiat byte number ofdays in'ne billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous days daily balance: transactions .:h a Transact.^,n Date of that day as shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the ir2hs2 en wif he added to the daily balance as of the first day of the billing period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous days daily balance; and by then subtractmg any credits and payments that are applied against the balance of the transaction category on that day. In calculating the dai'.y balance for the first day of the billing period, we consider the "previous days daily balance" to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase trans-action category with the exception of Cash Advance Transaction Fee Finance Charges which ace added io the applicable cash advance trans-action category and Baiaice Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transar,=ion category. 'When the special rate expires, we move the unpaid balance of the balance transfer and the 621an e Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However. if the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in The applicable balance transfer transaction category until the special rate' would have expired. Variable or Fixed Interest Rates. The Doily Periodic Rate and con osponding Annual Percentage Rate that apply to each transaction category are either fixed rates or variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. The Daily Periodic Rate is 9 /365ih of the corresponding Annual Percentage Race. Variable Annual Percentage Rates are detef-nhined by adding a specified number of percentage Points to the Prime Rate. This is shown on the Pricing Schedule as "Pri: ne + (per-tentage points)_" For purposes of this Agreement, the Prime Rate is the highest rate of interest listed as the "prime rate" in the Money Rates section' of The Wall Sheaf Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. if you have a variable rate, your Annual Percentage Rate will increase or decrease when the P^ me Rate changes. This change will be effective beginning with the first day of the billing period that begins during the saute month as the,chansge in the Prime Rate. An increase in the Annual Percentage Pate may increase your Minimum Payment Due. Default Rate. Each time you do not make a required payment on time (a "Default Rate Event"), we nnay increase the standard Annual Percentage Rates for purchases. balance transfers and cash advances to a variable rate equal to the Prime Rate + up to 27.9916, but such rate will never exceed 29.99% (the `)efault Raid'). At the same tirne, arty: ay,.cial v c ;es an purchases, balance tran ers or cash advances will end and the Defaui Rate may apply: The maximum Default Rate which would currently apply is set forth in your Pricing Schedule We xviiji base Your Default Rate on factors such as: your current APRs your paythent history with us your TOneral credit history Any increased rate will apply beginning vd: h the first day of the billing period if) which eve did of receive at !east tile ,a+.v..:.:m Peymeni Due by the i?ayrrie:.. five Dale: if you ztandard Annual Percentage mate for purchases was increased under this or any previous version of the Default Rate section arid, `or any nine consecutive b li ng periods ., ^ eafter another Default Rae Event does riot occur, then your Annual Percentage Rate for your new, ppurchases will be reduced to a lesser variaoie rate which may be higher than your previous s :dard Annual Pe .ventage Rate for purchases and your Annual Percentage Rate for your existing purchase balance may be reduced to a lesser variable rate v.rirr, tray be higher than your previous star Card P n `iual Percentage Rate for purchases, Any reduced Annual Percentage Rates on new and existing purchases may be different and will apply beginning with the first day of your tenth billing pert .J. Ft- ever, it a Default Raie Evert occurs in the tenth billing period, a Default Rate will apply. Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of 3% of the amount of each new cash advance with a minimum Cash. Advance Transadtion Fee FINANCE CHARGE of $a5 and no maxi--mum. The imposition of Cash Advance Transaction Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percenfage Rate. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Chase on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges forthe billing period charged under this section to any Periodic Finance Charges calculated under the Pehoriic Finance Charges section for catch cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges. If the balance transfer offer you receive contains a Balance Transfer Trans-action Fee Finance Charge, vie will charge you ,a Balance Transfer Trans-action Fee Finance Charge for the. amount:of each balance l;ransfer made Linder that offer. if there is a Balance, Transfer-Transaction Fee, Finance Charge in coniund: ti livith the offer you received when you applied for an Accodrit, it will be in the amount set forth in the Pricing Schedule. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfers that is higherthan the nominal Annual Percentage Pate. To obtain the total Finance Charge on balance transfers for each biiling period, we avid any Balance Transfer Trans-action Fee Finance Charges calculated under the Periodic Finance Charges section for each balance transfer tr ns-action categt: ry and add up these amounts. Foreign Currency Transaction Fee Finance Charges. We will charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S- dor'a, am u it of each purchase made in a foreign currency. The imposition of Foreign Currency Transaction Fee Finance Charges may result in an Annual Percentage Rate for purchases that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on purchases for each billing period, we add any Foreign Currency Transaction Fee Finance Changes for the Wili +g period charged un: er his section to any Periodu; Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. Vie will charge you a minimum FINANCE CHARGE of $.50 forany billing period in which Periodic Finance Cha:ges of Tess than S.50 would otnerr:se be Yep. sod. FEES Annual Fee. if your Pricing Schedule @ccompanying your Card includes an Annual Fee; we wrill charge you an Annual Fee in the a, ,ouril indicr tDd. ft will r hL g you tr+is fee when Vve. open your Account and ai the beginning of each anniversary year your Account is open. The Annual Fee is not refundable, except as provided by law, irate Fee. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due :hat was required to be paid for that r fiifng penes The amount of the rate r is [)a,- old Ont the su of ati lutZta,,ding pl; ?f.a la $1,1 advances, balarir rai 'C ta;gE.. _?iit ivcs an rif:2i'y Erna, tics a= tl: e ?C of iha period for ?vr id- w di no! receive timely payment. If the sum is $25 or less, the fee is $19; if it is greater than $250, the fee is $39. Overlimit Fee. We will charge you an Overlirnit Fee each time that, as of the close Of a billing period, your outstanding Account balance exceeds your Account. creddit lire. Tfiis fee may be charged even if the transaction which causes you to exceed your Account credit I ne is authorized by us or 4 you exceed your Account credit line due! o the posting of Finance Charges or fees to 1 our Account. The amount of the Overlimrt Fee is based on the sum of all outstanding purchases, rash advances, balance.transfers, other charges. other fees and Finance Charges at the end of he billing pericid. If the sum is equal to or less than $500 and you exceed your credit line, the Overlimi Fee is $15. V, the sum is greater than $500 and you excoed your credit iif the Overlimit Fee is 539. Returned Payment Fee. We will charge you a Returned Payment Fee of $35 each time you pay us with @ check or other instrument that is returned unpad. This feewill also apply it a debit transaction, to a deposit account from which you have authorized us in writing, electronically or orally to periodically deduct all or a part of art annount you owe us under this Agreements retuned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. Returned Discover Card Check Fee. We will charge you a Returned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance the k, balance transfer check, promotional purchase check, or other promotional check. Pay-By-Phone Fee. We may from time to time allow you to make payments by authorizing us over the telephone to transfer oi- pay fonds from a den osit account to your Account. We will chaigo a Pay- By-Phone Fee Of $10 for each such transfer or payment. Research Fee. Wemay charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. i.owever, we wsl not rcharg: a fee it you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default. You are in default5 you baconle insolvent; if you file a bankruptcy patition or have one filed ago nst t,ou, if we have a reasonable belief tha; You are unab e c urn:; liin3 to repay your obligations to cis; if you are declared incompetent by a court or if a court, appoints a guardian for you or a conservator for your assess, if you die; if you fail to c,omp'y wt.h l , terms ,f this Agreement, including failing to make a required payment when dire, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction c if you tail to alake recto reel paymerit when due on any other account you have with us. Consequences of Default. If you are in default, we may declare the entire balance of your Account immediately due and payai e wi hcul notice. if vve r'ier the colle,fion of yc r Account fo an attorney cr employ an aito.ney to represent us with regard to recovery of money that you owe us, we may charge yet) reasonable attorneys fees and coat or Other. co;!oct.on c jsts as ,pc^n ,led by law and as aciually incurred by us, including fees and costs in con-section with any appeal. yNfe may delay enforcing or not enforce any of our rights under this Agreement without losing o waiving any of them. Cancellation. You may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that vve have provided you. You can notify us by telephoning 1:8D0-DISCOVER (1 800-34T 2683), or by writing Discover Card, PO Sox 30943, Salt Lake City, UT 8413M943, Of course, you will snit be ;espon ibie to pa) any amount you owe us according to the terms of this Agreement. If your Account is a joint Account, either Gardmember may cancel the Account, but you will both reiria n i esponsibie to pay any amount owed to us 0--ording to the -terms of this Agreement, We may cancel or suspend ycurAccount at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on fhe face of a Card) without notice. You must return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respect the privacy of information about you and your Ac,^ouni. Oc r Privacy Policy includes a summary of the personal infor-mation we collect, when it may be shared with others, how we safe-guard the confidentiality and security of information and the steps you may take to limit our shadrig of such informatlon with others. Please read it carefully as it is part of your Gardmember Agreement. Reporting to Credit Reporting Agencies. As indi ca`:ed in our Privacy Policy, iPJe may report to cre die reponng agencies and other creditors the status and payment history of ycurAccount, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report.'llite norm, allyropert to such ..,.editreporting agencies each rnonth. if you believe that our report of yourAccoun', status is inaccurate or incomplete, please write us at the following address: Discover Card, PO Box 15316, Ui Iiningtor., DE 19850-5316, Prase include your name, address, home telephone number and Account number. Our Communications with You. Our personnel may listen to or record telephone calls between; you and our representatives without additional notice to you as pt .rmrted by law. We may use anv medium, including but not limited to mail, live telephone calls, automated telephone equipment, pr lac riled tale-phone calls, mail and may make calls ;d your xell phor'ie to contact y? about your Account or offer you products or services th2t maybe of value to you. If you prefer not to be contacted in one or more of these ways, telephone :is at 1-800-DISCOVER( I Rr 0 -,747-268, cr write to us at Discover Card, PO Box 30961, Salt Lake City, UT 84130-G961. Releasing Information About',Your Account. We provide various methods by which you can obtain information about your Account. We will only release si ch information to you. any Author-izod User that our records indicate is an authorized buyer on your Account and any other person with your prior permission, In audition to as pro-tided in cur Privacy P„ficy Or as required by law Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, ever if with-out your authorization or permission, Has gained possession of a Card or has learned other identifying characteristics. about you such as your pe coital identificaticn nu nbor, Account nurnbe. -r -cta s >;,i, ty :pmoe;. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us eiec-tronicaily rather than through the mat!,.,eluding n „nih;'y billing state-ments and change of terms notices. The lenns and conditions for receiving these electronic ccmn i nicationsw will be described in the offer. Notices - Changes to Your Information. If you change your e-mail address, mailing address or telephoi e renumber you must noiifiy us of your ^evv address or telephone 1 nbervjithln 15 clays. You can notify us by telephoning 1-800-DISCOVER (1-80,^x347-2683) or by writing Discover Card, PO Box 30943, Salt Lake 'City, UT 84130-0943. if your Account is a joint Account, any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant tails to provide your purenase io your satisfaction and you request a credit to ycur Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue credit tc your Account and you v 4l be deemed to have assigned to us your claim against the merchant and/or any third party fortne credited amount. Upon our request, you agree to provide us with written evidence of such assignment. Claim Notices. in the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your appli- cation, the relationships which result from yourAccount or the enforce-ability of the Agreement or any prior agreement, before initi-ating, joining or participating in anyjudiclal or arbitration proceeding, as either an individual litigant or member of a class ("Procaeding"), the complaining party shall give the other party: (1), s. written notice of the claim ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the clam and any sup-porting facts; and (2) a reasonable; good faith opportunity to resolve the clue:, without the necessity of a Proceeding, his. includes any claims evolving our parent corporation, subsidiaries, affiliates (including, witli-out limitation, DI=S Services LLC), predecessors, successors, assigns, as well as the officers, directors anti employees of each of these entities. Any Claim Notice shall be sent to us at Discover Card, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you), (the C c nit Notice Address'; of to yo"l at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate. In the event of any past, present or future claim or dispute (whether based upon contract, tort, ; tai e, commoi i law or equity) between you and us arising from of relating to your Account, any prior account you have had with us, your application, the rc+at onships which result from your Account o h. En?„ rceaeihty Or scope of this arbd, etion provision, of the Agreement or of any prior agreement, you or we may elect to resolve the clam or dispute by binding arbitration. IF EITHER YOU OR 1+L'E ELECT ARBITRATION, NEITHER YOU NOR V'& H LL HAVE r. iL PNlU'H, Q I- „GATE THAT CLAillA IN CCALIR r rJn'i J HN E A JURY t i€`s%?L ON T WVr i AI M. FRt HEARING ;Si ug-r # R! ri s AN, 13 POE Hi RING APPEAL RIGHTS `ILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTr11ED TO JOIN OR CONSOLIDATE CLAIMS IN ARBIff ATION BY OR AGAINST O'i HER CARLM?j 3t;f C Vvi I H hESi?EC'f TO OTHER ACCOUNTS, ORLITIGATE IN COURT OR ARBI (RATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORP EY GENERAL CAPACITY ("Class Action Waiver). Notwithstanding anything else to the contrary in this arbitration provision, only a court, and not an arbitrator, shall deter mine the validity and effect of the Class Adion Waiver. Even if all pan less have coed to litigate a claim in court, you or we may elect arbitration, with respect to any claim made by a new party or any new clam's later asserted :n', at iu suai ari no piny u ds- ake, I herein shall constitute a waiver of any rights under this arbitration provision. Vile will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, t any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules, Your Account involves interstate commerce and this provision shall be governed by the Federal Arbitration Ad (FAA'. The arbi-tration shall be conducted, a` the option of whoever files the arbi-tration chin, by either the Afrierican Arbitration Association (AAA) or the National Arbitration Forum (NAF) in accordance with their procedures In effect when the claim is filed For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, yn?rw, r rip (phone 1-80u 77e,-7879) or NAF at PO Box 50191, Minneapolls, MN 55405 (phone 1-800-474-2371). No other arbitration foram will be pennitted, except as agreed to pursuant to either the Changes to !his Agreement se tion o a writing signed by both parties. Unless consented to by all parties, no arbitration may be administered by any administratorthat has any formal or informal policy, rule or pro-eeaure that is inconsistent with or purports to eVen,de the terms of this section, if we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respect to wit icn you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees and/or other arbitration costs, we will be responsible for payiny or re h:ou,;ing such costs <snd fees if awarded by the arbitrator. Fees and Costs. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue claim or dispu#e as a result of our ellecting to arbitrate that ;claim or dispute. Send requests to Discover Card, PO Box 30421, Salt Lake City, UT 84130-0421. The arbitrator will decide who will ultimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' fees and court or other collection costs had the action proceeded in court. In no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive la+n ,o he extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the @tion were pending in court. if requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitra o'sdecision will be final and b t iding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $100,000, any party may appeal the award vlitnin 30 days to a three arbitrator Pane which shall review the avdard de nova. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal, Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. OtherSeneficiares of this Provision. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon; our pared corporations sub idanes, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities and will also nure to the benefit of cry third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive terni-na-tion of yourAccount as well as volun(a % payment in full by you, any iegai proceedings by us to coiled a debt ovied by you, any bankruptcy by you and any sale by us of your Account Might to Reject Arbitration. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Discover Card, PO Be)( 30938, Salt Lake City„ UT 84130-0938. if you were previously subject to arbitration with, respect to any account with us, s right to reject arJtrat on will no' apply to you. Your rejection notice must include your name, address; telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to Indicate that you reed the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbi-tra-tion will not affect your other rights or responsibilities under ;his Am eynent or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you will be obligated by' he Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respect to that prior account: LEGAL INTERPRETATION OF THIS AGREEMENT Severability. if any parr of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action ALraivef set for in above in the Arb ation of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a ate that is greater than the maximum amount permitted bylaw. If it is ever finally deter-mined that, but for this section, the Finance Charges or other ha,ges under his Ag cement we uid exceed the maximum lawful amount, the Finance Charges and other charges will be reduced to the maximum IaW Ui anoint. Any excess amount that you have @I-ready bald will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law arid, to the extent state law applies„ Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account with-out first obtaining our pro u ritten consent. CHANGES TO THIS AGREEMENT We may change any term or part of this Agreement, including, but not limited to, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed or add any new term or part to this Agreement. If required by law we will send you a notice at least 15 days before the change is to become effective. We may apply any such change to the outstanding balance of yourAccount on the effective date of the change and to new charges made after that date. You may be offered the opportunity to reject some of the changes, and if you do, you must notify us in writing within 15 days after the mailing of the notice of change at the address provided in the notice of change, in which case your Account will be closed and you must pay us the balance that you owe us under the existing terms of the unchanged Agreement. Otherwise, you will have agreed to the changes in the notice. Use of your Account after the effective date of the change will be deemed acceptance of the new terms as of such effective date, even if you pre-vicusiy notified us that you did not agree to the change. We may also change any term of any product, service or benefit offered in connection with your Account. We will notify you as required by law or by the terms of the product, service or benefit. PRIVACY POLIO Vie are required by federal law to provide you with a copy of our Privacy Policy each year. If you have previously notified us about your privacy preferences. as described in Section 4; it Is not necessary to do so again unless you decide to change your preferences. We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mind knowing that the security of your personal information is cur top priority. We understands your concerns aboui guarding information about you and your Account. We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. It includes a summary of the following important information: A listing of the personal information eve collect; The circumstances in which we may share information with others; The ways we safeguard the confidentiality and security of information; and The steps yDu may take to limit our sharing of such iniormation with others. See Section G for corriplete details. Please read our Privacy Policy carefully. it wi!! help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we coiled and maintain accurate personal information about you. We obtain this information firam applications and other forams y„rr submit to us, from your dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sites. For example: We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. We may obtain information such as Account balances, payment history, your use of yourAccount and the types of services you prefer from your transadionS and other dealings with us and others. We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. We may obtain information such as your Internet service provider, your e-mail address, your computers operating system and Web browser, your Web site use and your product and service preferences from your visits to Web saes. 2. Is Personal Information`Shared with Others? VVe limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the Discover Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf of the retailer by, for example, including an insert in their monthly billing statement or mailing the offer ourselves. We control the information used to make the offer, we do nct share the list or any information about our Cardmembers with the retai!er. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, however, circumstances in which we may share the information we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to adhere to our privacy standards and to use this inforrnation only .o, ,^ .mated purpose for which it was shared. lNe do not allow them to disclose it to others without our prior approval. a. Sharing Personallntomration with Our Corporate Family Our corporate family oilers a variety of products and services that can help you manage your finances, in order to provide you with access to these ; oducls and services, we may share the inforntation. we collect about you, as described' in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit pro ec:!on; carol servicing and payment processing services. Strafing Forsonal hnfom -ation with Non-Affiliated Peities for Marketing Pwposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Discover Card. in, order to provide you with access to products and services offered directly by these companies that may be of value to you: 'Fnese empanies include financial service providers, such as insurance „orr;panes, and non-financial companies, such as retailers. Sharing Personal infonration with Others We may share the information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as rw,iing, market researJm and data processing; other financial institutions with which we have joint marketing agreements; or companies that are cur partners for co-Grand credit card programs or reward. prcgrems. VV'e may also share su ` information as permitted by law. How Do We Protect the Confidentiality, Security and Integrity of Information about You? Wemaintain physical, electronic and procedural safeguards to protect the in€onnation vve collect about you. Access to such nformation is restricted to individuals who need it in order to service your Account or provide products and services to you, and who are trained in the proper handling r of such information. EmPoYees who violate these confidentiality requirements are sub red to our disciPlino. 'Y process. Where third parties provide support services, we require them to conform to our privacy standards. It is important that the information we maintain about you is accurate and complete. If you see information n your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943 so that we can update this inter;; ation. 4. How Can You Limit Sharing of infornmation About You? We respec±your privacy rid offer you choices as to whether we may share information about you with the s You have the option to tell us not to share the nfo^ratiarm we '?E t about You, as described;, Section 1. with non-affiliated third parties. You also have the option to tell us not to share fhe inforrnation we coiled about you, as described in Section t, with cor npcrileJ ? cur wporate family. it you indicate a preference 'or either of these options, please understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your f inandai resources or manage your finances. To indicate your preferences, please call us at 1-890225-5202 or write to Discover Card, PO Box 30961, Salt Lake City, LIT 84130-0961. If you have previously n otified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your written requesi should include your name, address, teiephone number and Account number(s) and should. not be sent with any other correspondence. In orderto process your request, tae require that the request be provided by you directly and not through a third parry. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor your request and not share this information except as pernited by law. For example, federaj law permits us to share information about you with consumer reporting agencies, service providers and financial institutions with which we nave joint marketing agreements. If you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days after we provide this Policy to you in order 'to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior fa the processing of your request. This Privacy Policy is provided to the primary Cardmember listed On the Account. However, any joint Cardmember has the right to notify us about preferences and we will rreai that, request as applying to the entire Account. We do not share information abort former customers, except as permitted by law. This notification supersedes all previously issued PrivacyPoGcies. Wereserve the fight to amend this Privacy Policy from time to lime aria we will notfy you if we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agency, inc. and Discover Products Inc. unless Otherwise Specified, it appiies to the family of Discover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered" in connection with the service, which will not be shared). It is part of your Cardmember Agreement and provides a further explanation of how we collect and share information. You may have other rights under state laws that apply to this information. Please note that you will also receive privacy notices for Other credit card accounts you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 1-800-DISCOVER (1-800-347-2663)and authorile us to do so_ California Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your lights and our responsibilities under the Fair Credit Billing Act. 1. Notify Us in Case of Errors or Questions About Your Bill if you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address listed on your bill for Notice of Billing Errors. Wdic to fns as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on, which the error or probierm appeared. You can telephone us, but doing so will riot preserve your rights. In your letter, give us the following information: your name and Account number. your dollar amount of the suspected error. describe the error and explain, if you can, why you believe there is an error. It you need more information, describe the itern you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong- To stop the payment, your Letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Wrthin 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question or report you as delinquent. We can continue to bill you for fhe amount you question Inducting finarG charges and we can apply any unpaid amount against yourAccount credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have tc pay any finance charges related to any questioned amount. If vve didn't make a mistake, you may `nave to pay the finance charges, and you wi I have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that its due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However; if our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when, it finally is. If we don't follow These rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. 3. Special Rule for Credit Card Purchases if you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the mercharli. you may have the right net to pay the remaining amount due on the goods or services. There are iwo limitations on this right: (a) YOU must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for' he goods or services 4. Purchases Made +wifh Checks or Cash Advances The Special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to wthhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discover Card-members are provided with $500,000 Scheduled Air Travel Accident Insurance.* You, your Spouse, Domestic Partner or eligible Dependent Children forwhom a ticket was purchased on your Card (as defined belovi) will be automatically insured against Accidental Loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft or a conveyance operated by a Military transport service or riding as a passenger in or entering or exiting any conveyance licensed to carry the public fora fee and while traveling directly to or from the airport immedi-atefy preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the ar, ival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full BenefitAmount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIPAIT OF INSURANCE: If morethan one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance ($20,000,000) per Accident. It an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above the maximum ,unit of insurance will be divided proportionally among the insured Persons, based on each applicable Benefit Amount. In the event of multiple Accidental deaths perAccourt arising from any one Accident, the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life.' Benefits' will be proport enately divided among the Insured Persons up to the maximum limit of insurance. DEFINITIONS: Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a ccverec Hazard. Accidental Bodily Inkuryfiesi means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause aria occurs While finis policy is in force r r means a'Card account. Benefit Amo,,UV means the Loss amount at the time the entire cast of the passenger fare is charged to an Account. means the Discover Card. _Qd ? rdmemb . means the holder of the Card whose name appears on the credit card. g9m2anv means the Federal Insurance Company. Cnveretl Trip means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account, u pendent Child or Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are' (1) under the age of 19 and reside with the insured Person; (2) beyond the aye of 19, permanently mentally or physically challenged and incapable of serf support: or (3) under the age of 25 and classified as full-time students at an institution of higher learning. f 2tttestic Partner means a person who: (1) is at least 18 years of age and competent to enter into a contract; (2);.s not related to the Insured Person by blood; (3) has exclusively lived with the insured Person for at least one year prior to the date of enrollment; (4) is not legally married or sepa-rated; and (5) as of the date of enrollment, has with the insured Person at least two of the following financial arrangements: (a) a joint mortgage or lease; (b) a joint bank account; (c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution! Neither the Insured Person not the Domestic Partner can be married to, nor in a civil union with, anyone else. Hazard means the covered circumstances for which this insurance is provided as stated in Section III of the Declarations, Hazards, and described in the Hazards form, as described on page I of this Description of Coverage. JaZ1ted Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children; as well as authorized users of the Account. means the Loss of Life. ,Loss of Life means death, including clinical death determined by the local governing medical authorities. 22HWh9lder means DFS Services LLC, the entity responsible for the payment of premium. Scheduled Aircrafk means an aircraft awned and/or operated by a Scheduled Airline, arJ?rlina:means an airline which is either of United States registry and certified by the United States government to carry passengers on a regularly scheduled basis or at foreign register and approved by the United States government and the appropriate foreign authority. Z[U means hostilities following a declaration of War by a government authority. If there is no declaration of War, then (1) aimed, open and continuous hostiRies between two co; entries or (2) armed. open and continuous hostilities between two factions, each in control of territory, or daiming jurisdiction over the site of the area of hostiRy. DISAPPEAIRANCE BENEFITS: If the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdcw,^ of any Scheduled Aircraft or conveyance fir. which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, that the insured Person has suffered Loss of Life covered under fl-is policy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Insured Persons auto-maticallywhen the entire cost of the passenger fare(s) on a Scheduled Amine is charged to the Caramember's Account while the insurance is effective. It is riot necessary for you to notify the Policyholder or the Company when Scheduled Airline tickets are purchased. EFFECTIVE DATE'S: Your insurance under this insurance plan is effective on the later of. 1) April 1, 2007; or 2) the date you become an eligible Card-member. Your insurance coverage under this insurance plan will cease on the earlier of. (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. COST: This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the insurance. THE BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by you. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) your spouse; b) your children; c) your parents d;eyour brothers and sisters, e) your estate. All other indemnities will be paid to you. if you wish to change your beneficiary, you may request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at BeneficiaryrequestlTheDirectMG.com. EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an Accident occurring while an Insured Person is in, entering or exiting any aircraft owned, leased or operated by this Policyholder or anyaircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Person is in, entering or exiting any aircraft while acting or training as a pilot or crew member (this exclusion does not apply to passengers who temporarily perform, pilot or crew functions in a fife threatening emergency); (3) emotional trauma, mental or physical illness, disease, pregnancy; chadbinh or miscarriage, bacterial or viral infection, or bodily maifunctionsl(except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria;, (4) suicide; aftemp.ed suicide cr Loss that is intentionally self-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Wr ttenclaim notice must be given to the Company within 90 days after the occurrence Many Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: Wrien the Company, aceives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, Or as soon as reasonably poss n c Fa lui e to give complete proof of Loss within E Eca. -r ur r-: `ea r w n pro, 4 w S? qr?w5wiat k KK ands, no favwt ; N3 t y r { t +. I,ll Ii1..... Gtv x_-:° t.: 4 C S`t r r ye--?? H E.*, as „w wt f,1a. CLA1M PA MI€NT: The 0orr-tpany wiIi pay you or ypur b.re!ciary the applicable Gerent Amu.sn within c,0 days after c Q p tc proof a Loss is recce va and, , Ou, fre Pulicy,.u1 er and!orl: beneficiary have complied with all e erms of the policy. ARBITRATION: in the event of a dispute under this policy, elflier inf, Com-piny or the insured Person may make a written demand for a bi ticn. in that ca.e IN Company and the lnst d Person v,ll each soled an arbitra-tor. The two arbitrators will select a third. If they cannot agree within 15 days, either the Company or the Insured P sari may r west that the choice of arbitrator be s..br r tted the American Arbitration Association. The arbitration will be held in the state of the Insured Person's principai residence. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-860-CLAIMS-0(1-800-252-46711). You can also go to the Company Web site (? ^ ^^1^ ^r: chubl) cam), click on Report a Loss, select Accident Benefits and Life claims, select the appro-pri-ate form, print out the claim 'orm, fill olll and mail. You can file 4 claim by mail or fax. Mailing Address: CHI,JBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 500 ik DEPEND NCE PAt i(AAY PO BOX 47M, CriEMPAKE I'A23v?+.Q vO Fars Number: 810 LG? `fw As a handy reference guide please read thl5 and Iteep it in a safe piece with Youf other irlsuirancis documents. ! Pis description Fat cc r aye is not a, cor`rcCt of °isuranu but is a summarj of ;n6 principal provisions of the insurance while in effect. Complete policy provisions are contained in the piaster Policy, which can be obtained from the P olic0d.der Policy #9306-18-06 Policy Underwrift ri By Plan Administrator Federal lns gran Co:r'pPny I r ; Direct, Martet ntq C oa P, lr _ a „(ember insurer of the 13205 Bedforv Avenue Chu'r. c croup of Insurance Companies Omaha, NE 63154 15 Mourltgin View k c ad, PO Box 1615 Vbwa t, NJ 0 Wi f-1t?-l t Ifs i iii"!' OF C-C.)VEKAG?E SVCON0Ar; i RENIE:L CAR COLLUSION CQVERAkQE l)tSCJV .r' c 3 dmembers can benef; kromihe se,,unty and safely G fer cd 0,i`ough Fxcess Collision Damage tValver. If you rent a vehicle for 31 d Sp?11.iv days Cr !eS5 (or 46 days under era'?i: i airc n,.,i_-l'1Ces described below) With your Card, (as defined Let v), you may be eligible for henef'ts under this coverage. Excess Collision Darnage Waiver is an insurance prograiT, underw.?i,icn by Federai insurance Company Policy # 9906-17-63 (the "Policy'), DEFINITIONS: per ,?iLt s a Carf account. Lw mearis the cost tercel it o rapia ,,e the Rented Autcn,.r ithe time af!oss,ies cLpeciat;vn. C e , i uµr means the holder of the Caret whose name appears on the credit card. c er e D'scover Card. "I{ isiu i c, i rs i means the direct and accidental damage to a Rented Automobile caused ry upset or collision with another cb;eC. Collision 08maoe does lot to rude loss caused by missnps, failing objects, fir, t ,eft or larceny, explosion, earthquake, windstorm, hail, water. flood, malicious mischief er vanda6bm, riot or civil commotion, - `r 31y.imans' the Federal Insurance Company. n is f, ,rdmembers and authorized users of the Account. a r? r ,its DFS Services LLC, the entity responsible for the payment of premium. a r t„n., a cummereial automobile rental company licensed under the laws of the applicable jurisdiction. r, r, its a'four-tvheeierJ private passengertype motor vehicle or a minivan manufactured and designed ;o transport a maxr.nirm ofsr ven passengers and used excursively fo carry passenge ; A h :enied automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COO ;RAGE: the Collision L ainage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Renter: Automoni:e is charged or debited to your Account. it is not necessary for you to notfi+the Company at the f!rne the rental fee is charged or debited to your Account. You must decline the Lossf-Damage Waiver offered by the vehicle Rental Agency. You must rent the vehicle in your awn name a' td sign the vehicle rental agreementlcontrueit. h ; coverage period will not exceed 31 con secui :e oa,s o 45 conse, u-tive days if the insured is an employee of an organization which has pro-vided a Card to the lnsurt d for business use. THE KiNO OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder as required, and subject to ail the terms of the Policy, the Company agrees to reimburse on an Acyaai Cash Va4 e oasis either the Insured or the Rental Agency for repair or replacement of the Recited Autornobile as a result of Collision Damage to the Rented Automobile. The Company's liabi ity w'!! be for a maximum reimi?ursemerii of $261' 0. In no event viiil the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency, if you or an Insureds primary vehicle insurance or other caverace has made payments for a covered loss, Fx=s Collision Damage Waiver tr?i!l cover you; deductio!e and any other e!igi'ple arnounts not covered by other insurance. TH coverage is not all-inclusive, which means it does not cover such things as personal ir; cry c r per?so nal liabi!it y. It does not oover yo! t dry ; z,i tGytis to other reN os of proper y R does of oo er ,you for any irju!y to any party. WHO IS COVERED: Cf isrover Cardinembers LXGLUi}EQ RENTAL VEHICLES: Off-road, antique or lira tee edition motor vehicles; to cks; racreatianal vehicles, ca tigers, pre kt p : ci s, and mint buses; lin,i#e edition n oto, veh rtes or high value, exotic, high j?e t r ?jance e!lecfcu type. High value motor vehicles are motor vehicles whose replacement value exceeds $50,00Q-, and antique motor vehicles are defined as any vehicle over 25 years old, or any veri cle which has riot been manufactured for 10 years or more. WHERE YOU ARE COVERED: C oU rage applies to v chides rented in the United States a a Cil:ado only. ;overage is notava;la?;le vii,,ere prohibited cy law. WHAT IS t COVERED: ;;average does not apply to loss resulting from the following; Any dishonest, fraudulent or c iminal act of the insured. F-5rgery by the Insured. Loss due to war or mlif is ti0n by 3uthoriilea Less due to n'oc;-ear rci 3d, Ci ; or radioactive contantineton. The 1. sured I t: ig Inioxicat'd, as defined by tlie laws of tl e juriSuiCtlon winere }he loss occur dd, or urideftl,e influence of any narcotic uniESS ptesc "ueu by a physician. Use of the Rented Automobile to carry passengers and property for hire. Use of the Rented Automobile by a person other than the one author-ized to operate the Rented Automobile by the terms of the Rental Agreement. Loss of use of the Rented Automobile- .. In`entionai dorriagg to the Rente, d t3uiorrlobile uy the Insure' . Damage which is due and confined to vvear and tear, freezing, rnechani-cal or electtiCai breakduwn or Fa ure, Damage to tires unless the loss is coingdent with a covered ions. Use of the Rented Auton-,oblie in tests, races or coriwsts. The Rented Automobile being operated or located inany territory prohibited by the termis of he Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (1) the period' or insurance coverage will not exceed 31 consecutive days, or 45 consecutive days If the Insured is an employee of an organization which has provided the Card to the insured for business use; and (2) me nsura i . provided by this plan will be excess over any other valid and collectible insurance cover-ing the Rented Autanobiie. However, the insurance provided under this plan may be primary if specifically provided for under the terms of this plan and 4 the following criteria is met: (a) the Rented Automobile is rented for use outside the United States, its temtores and possessions; (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c) the Rented Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as scar,, as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE C4 AIMS SERVICE CENTER AT 1-800-CtAIMS?0 (1-820-252.4670). You can also go to the Company Web site ft uv P t;bb.corr), click on Report a Loss, selectAccident; Benefits and Life ciaims, select the approprate form, print .tut the claim form, fill out and 'nail. You can file a claim by-mall or fax. Mailing Address: CHU;BB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARMNAY PQ BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-3100-2538 CLAIM PROCEDURE: The Insured must send the Company written notice of a Clam, including the Insured's narne. and Poli 1` nqi ilber within 00 days after a cove, ad loss .cCCrs. It notice cannot he given td?tnin that time, it must be given as soon as reasonably possible. To file a sworn Proof of toss, the insured must Sena tnc foilowing informationn to the Company or its =hcnzen learesentafive: A copy of the Account statement showing the automobile rental transaction. A copy of the automobile rental agreement. A copy of the poti.le report. A copy of the initial claim report submitted to the automobile Rental Agency. A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carrier(s)- if no other insurance is applicable, a notarized statement from the Insured to that effect Reminder; Please refer to the insurance Disclosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Cover age i ot a nLmct a insurance but is Simply an informative state-mentto eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this clan: of insurance are contained in the inast.p policy on file with DFS Services LLC, herein referred to as the Policyholder. If a statement in this Summary of Coverage and any provision in the peli,y differ the oclicy will govern- Policy Undetivritten By Plan Administrator Federal insurance Company ("Company") The Direct Marketing Group, Inc. a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Miountain View Road, PO Box 1615 Gklarren, New Jersey 07061-1651 Master Poljw N'ui i?uer gbiC -1 7-Ea ? fecdve date of benefits` Effective April 1, 2007, this guide rtplaces all prior disclosures, prograrin descriptions, advertising and/or brochures by any pare. Poo ryholder and Company reserve the right to change the benefits and features of these programs at any time. Canceilatlow Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days in advance. If the Company terminates, cancels, or chooses not to renew the coverage to Policyholder, you wiibe notified as soon as is practicable, insurance benefits will still apply for any benefits you were eligible for prior to the date of sudi terminations, cancellation or non-renevval, subject to the terms and conditions of coverage. Benefits to you: These berefits apply only to Cardmembers whose cards are issued by U.S. financial instituticns. The United States is defined as tine 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Card-member shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage. These benefits do not apply if your Card privileges have been cancelled. However, insurance benefits will still apply for any benef d you were eligible for prior to Inc date that your Account is suspended or;arncenled subject to the terms and conditions of coverage of your Cardmerriber Agreement Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned wthout the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the insured will be void d, at any time, the Insured has concealed or misrepresented any material fact or circumstance, concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void it, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepre-sensed any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein„ or in rase of any fraud or false swearing by the Policyholder or its subscribing organ/ za-tion(s) relating hereto. Addition of New Insureds: All eligible persons will be automatically insured under this Policy. €xamination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonably required by the Company, will summit, and within to power cause others to submit, to examinations under path and will produce for examination all writings, books of account, bills, invoices and other vouchers, or ce :irieo copies there ` if originals are lost., at such reasonable time and place as may be designated by the Company or its representative, and will permit extracts and copies thereof to be made. Nc such exa inat.or, under oath, exams nation of documents or any other act of the Company, its employees or representatives in connection with the investigation of any loss or claim will be deemed a waiver et any defense and such acts shall be deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others: This coverage will in noway inure direef!y or indirectly to the benefit of any insurer, person or organization or ot1her bailee. Subrogation: It is a :condition of this insurance that if the Company pays the Insured for a loss, it will require the Insured to assign and transfer any claim or right of action against any individual, firm or corporation for such loss to the Company or subrogate or hold in trust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the Company to enforce such rights: Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by':re Company and to return to the Company any recovery to the extent payment of loss Eras been made by the Company. Arbitration: in the event of a dispule under this policy, either the Com-pany or the Insured may make a written demand for arbitration. In that case, the Company and the insured will each select an arbitrator. The two arbi-tra-ters will select a third: if they cannot agree within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to ;he Arnerrcan Arbitration Association. The arbitration mill be held in the state of the lnsured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Global Travelers Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. it is operated by AXA Assistance USA, Inc. Visit Discovercard.com/travel to learn more. Eligibility. You must be a Cardmemberwhose Account is in good standing, the Caramembees spouse or dependent child traveling with the Card-member or an Authorized User of an Account in good standing. Third-Party Charges. Global Traveler's Hotline is not insurance, so you will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees. Availability of, Services. Certain services may not be available in all areas. Call us at 1-800-DISCOVER (1-300-347-2583) for assistance or if you have questions about a spec!fic destination. Outside the U.S., call us collect at 1-801-902-31M While AXA Assisiance will make every reasonable effort to provide the services: neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided by third parties. The services and these terms and conditions are subject to change without notice, -IG['?qu-70 iS Ccw IN THE COURT OF COMMON PLEAS OF I 1 CUMBERLAND COUNTY, PENNSYLVANIA 5 NO. 1.1-101. 1 f?Y - 20 10 I I? `[err i -e.? RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form: PETITION FOR APPOINTMENT OF ARBITRA'''ORS TO THE HONORABLE, THE JUDGES OF SAID COURT: r counsel for the plaintiff/defendant in the above acton or actionsrespectfully repres n that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $ U 6 The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: :-1 . WHE?AFORE, your petitioner prays yoVHonorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully ORDER OF AND NOW, fig I' o m t `.l P/\J 7 , 20V Q , in consideration of the foregoing petition, Esq., and _ Esq., and Esq., are ?DD nted arbitrators in the above r- ce ap£?nec? action (or actio as prayed for. CD?z B the Co LL- -T-- C---) ?- '? - CD F-- KEVIN A. (IESS, PJ" *a4.00 Pp wny - lj N CERTIFICATE OF SERVICE A true and correct copy of the Petition for Appointment of Arbitrators has been served by U.S. Mail, Postage Pre-Paid, on L day of Nmeffib9c, 2010 upon the following: Kelby D Berrier 128 Shippensburg Mobile Shippensburg Pa 17257 By: Benjamin ler, 4uir?-_"`" PA ID# 9 598 Weltma Wein rg & Reis CO L.P.A. 1400 Ko pers uilding 436 Seve Avenue Pittsburgh, PA 15219