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10-1976
REX) ra OF THc- ?°ITHONOTAPY 2010MAIZ 19 PH 1:06 c U M PLATY IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: ?(?- 1g7(p Iire r1K VS. COMPLAINT IN CIVIL ACTION KELBY D BERRIER Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A, 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08096929 C A Pit KMJ Q +4a . oo P.n A71-Y ec* 445,S& to& R7+ 339 170 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 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 XXXXXXXXXXXX9388 . 4. Defendant made use of said credit card and has a current balance due of $6491.16 , as of January 08, 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 29.990% per annum on the unpaid balance from January 08, 2010 . A copy of Plaintiff's Statement is attached hereto, marked as Exhibit 11111 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 $6491.16 with interest. at the rate of 29.990% per annum from January 08, 2010 plus attorneys' fees of $125.00 , and costs. fames U. rmbrodt,42524 WELTMAN, NBERG & REIS CO., L.P.A. 436 Seve h Avenue, Suite 1400 Pittsbur h, PA 15219 (412) 43 -7 55 FAX: 41 -3 8-7130 0809692 A Pit KMJ This law firm is a debt collector attempt?q?to collect this debt for our client and any information obtained w f)2 be used for that purpose. CARD $6,501.16 $6,501.16 Enter Amount Enclosed Below Payment Due Date January 17, 2010 Please make check payable to Discover Card. Minimum _payment due includes a past due amount of$1,321.00. 22 SDSN6A01 0006841 KELBY BERRIER 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. Will your payment get to us on time? Pay your bill online and your payment can be made to your account on the same day. Visit Discover.com/payments today. PO BOX 6103 III .r, I l i r r r Ill Ii r 1 11111111 CAROL STREAM IL 60197-6103 I,11111111 i1111111111 1 111 1 1 1111111 1111 11111 11 1 11111111 [11111 11 000001986458817802685065011600000000650116 Discover Open Road Card Account Summary Closing Date: December 22, 2009 page 1 of 1 Account number ending in 9388 Previous Balance $6,501.16 Payment Due Dote January 17, 2010 Payments And Credits 0,00 Minimum Payment Due $6,501.16 Purchases + 0.00 Credit Limit $5,100.00 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 $6,501.16 Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: May How Can We Help You? p 1. Visit Discover.com 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 For TDD (assistance for hearing impaired) see reverse side Write us at Discover Card, PO Box 30943, 3. Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You Your Account is overlimit. While we are permitted under the Cardmember Agreement to charge you an Overlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Overlimit Fee section of the Cardmember Agreement for details. LVU f Finance Charge Summary Average Daily Dail P i di Nominal Transaction ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTA y er o c GE FINANCE FINANCE Balance s Rates RATES RATES CHARGES current billing period: 22 days Purchases $0 0.08216% 29.99% V 29.99% $0 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above 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! Call 1-800-347-2683. BIIR Rlahts Summa. In Case of Errors or questions About Your Bill: IT ou think dour bill is wronor if you need more Information about a tranrsr??cUp or Your bill, write to us on a separate sheet of Doppeer at Discover Card; PO Box 30421 Sal?-Lake City. UT 84130-0421 as soon as possable. We must hear from you no later than 60 days after We sent you the first bill on which be error or problem appeared. Vou can telephone Is but doin so will not preserve YYour rights. In your letter, give us the following Information: • Your • The dollarr amount o uthensuspbeected error • Describe the error and expfaih, 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 pa%any amo ntin question while we are investigating, but you are still blipated to pay the parts of yoy r bill that are not in question. While we r ti9gate your question, we cannot report you at de naue t or take any ac Ion to collect th8 amount you question. S and eelal Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you Rurchased with a credit card, vppu have tried in rd ion to correct the problem with the merchant, yyyyyoooo?u ma not (gave to pay the remain n mount due on the goods or services. You have this proitction only when the purchase price was more than ;b0 andYthe purchase Was made In yo?r home state or within 100 miles of yvoour malllnci address. (IT we own or opefate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered fegardless bT the amot5nt or location of purchase) Pay nerds Send only voUr payment and the to rtlon of this statement Ir the enveto fovided. Dp not send cash. B? sendin wur check as deSncribed above, vvoorf authorize us to use InTOrrnaUa on your check to make an electron?(cpiund transfer from your acca0nt at th? flnanclal Institution Indicated on ?rour check or to rocess the payment as a check transaction. IT ppayment is processed as an electronic fund transfer, the transfer will be for the mount of the chepck. When we Ose information from your check to make an electronic fund transfer, funds ma be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your rnancial institution. The processin of yyoour payment ma be delayed if u send cash corres ndence or other Items with your payment, if u send the payment to mother ad vyooU use an env logee other tharf the one pprovided. Papyomenu received on or after 11A at our roc sing facfli tAOhdav thro h Fridaydres or on or ff a weekend or bank holiday will be posted to ur Account as of the next business da If you h?ve mss laced wr envelope send our payment to Discover Bank, PO Box 6T03 Carol, Stream, IL 60197-6103. Please allow 7-10 days far delivery. If your paymellt is returned unpai , we reserve the H ht to resubmit it as an electroic debit' You can pay Your minimum pa ent or a reater amount over the tele hone, and you can.set u automatic payments. Call us at 1-800-347-2683. You will need"tiffs statement arfd y?mour bank account information. You mus? ensure that suffiaent Tdnds are availatSle In Your bank account and ail transactions must hompplV with U.S. law. You will be asked to provide the first 5 digits of your account statement zid code. By en t erin those numbers as Your a ectrorlic signature, You will he a reeltrn9 to hs authorization to allow sand Your bank to dedu t each payment u authorize from your bank account and io IniLate debit or cre?it enies to your bank account as applicable, to correct an ercor in the drocess n0 of such mou nt oT each vavment or You can select an amount suc as the Minimum Pa inert Due or the New Balance on pavm nt You mst tell us the a m u business days adva nce of the scheduled pa inert You each statement You can cancel a ment; however we must receive notice at least three maV noU us b?yy pphone at 1-600-34T-2683 or bV mail at the address listed In the ?yrevious paragraph. iT your payments vary In amount we will tell t i may be less than voU on ech mdnthlV statement when your payment will be made and how much tt will be. Youl automatic p y ent amou t indicated on the monthly statement based do credits or payments applied during the billing cycle. Credit Re?y no. We mayy re information about your account to credit bureaus. Late payments, missed pa ments, or other defaults on your account rtl av. be reflected In ur credit report We normally report the status and Qat?e fori lonwii no addressr Disc hover CaroePO Bod15n3I6,gnii men each OLOq?h i v?U believe tehat eu re rt is inaccurate or incom lefe, lease write us a g DE 19A?0-5316. Pleas include ur name, address, home t?lephone number and Account numt r. Grace Perlod 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 billin statement, unless a transaction is posted to lour Account after the close of the billing period in which it occurs, Account We continu l in e Char es on that transaction Trom the first day of the billing period In Which it is posted to your in which case we begin fo Impose ?enadi Financ impose Periodic inance Charge3 until the date you pa} ur entire New Balance, by Making payments or receiving credits. However, If g paid the New glance on your If billin statement by the av?oment Due Date shown on that bilTiri(a statement and you pay. the New Balance by the Payment Due Date on,VOUr curcent billin$ statement we will not Impose Periodic Finance Charges 6n new purchase3 that ls, purchases first appearing on the current billing statement W8 call this the "grace perlod.^ There is no grace period on balance transfers or cash advances. MinImAim, nanee Ch We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than 3.50 would oth rrwise be imposes. Annual Fee. If your Account has an annual fee, it will be billed at the betginningg of each anniversary year your Account is open. The amount of the fee appears n the statement when the fee is billed. The annual fee r not rafundabfe unless you Notify us that you wish to close your Account within 3U says of the mailing or delivery date of the statement on which the fee is billed. You will receive this refurfd even if you use your Card during that period. Periodi1.'n' aee Char es. We sort your transactions Into groups of purchases, cash advances and balance. transfers and then further sort the transacs within hair groue by their Annual Percentage Rate. For example purchases subiect to a promouonal rate and purchases subject to a standard rate would be se rate grou s. We refer to these roups as transaction cote ones. t the en of each billin rind, we compute balances and Periodic Finance Char es for eac?i day oT the billing pegri? for each transaction dategory . We use the following eggration to compute Periodic Finance Charges for each 0ansactron category: (Average Daily Balance) times (days In billing period) times (Daily Periodic Rate). (You may refer to the finance charge summary. on your. billing statement for thes new close amounts.l1 Then we add up the Periodic Finance Charges for each e Averagb Dally Balance is shown as zero IT, because of the grace Mingg the balance upon which we Im?pose Periodic Finance addl9 up all the dally balances in a billin period for a riod. Nle compute the daily balance for eal transaction category actions with 2 Transactio6 Date of that day as shown on your of the hillino neriod in which it occurs. In which case the M 0 ch z a 0 0 N X v the Fee which has 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# 8096929 ift&;3 88 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. R-Ro 20 RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form: PETITION( FOR AI'POIN THEN' T OF ARBITRATO TO THE HONORABLE, THE JUDGES OF SAID COURT: b1 m 2. tt counsel for the plaintiff/defendant in the above. acti or actions), respectfully rep e ents that: -? 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $ U LI ? l ff ? (D 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: WHEREFORE, your petitioner pr, whom the case shall be submitted. AND NOW, your Honorable Court to appoint three (3) arbitrators to ORDER OF COURT Respectfully submitted, petition, Esq., and captioned action (or actions) as prayed for 200, in consideration of the foregoing Esq., and _ Esq., are appointed arbitrators in the above By the Court, kvin A. floss pa- $a4.oo Pz AIW elf QD81 a7a e a 60953 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 6>1- day of 3 m , 2010 upon the following: Kelby D Berrier 128 Shippensburg Mobile Shippensburg Pa 17257 BY' A Benj` We , squire PA # 93 8 Welt an, emberg & Reis CO L.P.A. 1400 ppers Building 436 Seventh Avenue Pittsburgh, PA 15219 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA , CIVIL DIVISION _ DISCOVER BANK Plaintiff, No. 10-1976 CIVIL TERM - vs. KELBY D BERRIER Defendant, PLAINTIFF'S NOTICE PURSUANT TO PA R C P 1305(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 June 25 2003 through January 22 2010 2.) Cardmember Agreement R ect ly Submitted: Benjamin R Bibler, Esquire PA I.D. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 8096929 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 y? day of tV0V.YYx 2010 by first class, U.S. Mail, postage-prepaid, addressed as follows: Kelby Berrier 128'Shippensburg Mobile Shippensburg Pa 17257 By: R Bibler, Esquire $6,74.9.00 $135.00 Payment Due Date July 24, 2003 25 SE SNEiA01 0014680 BERIRIiwF', KELBY D r°< MOBILI EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 `-- Enter Amount Enclosed Below ?_-7 Please make check payable to Discover Platinum Card: You are nears your credit limit; call today to apply for a limit increase. 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 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to C!iscover.com. Print your e-mail address to receive important Account information and special offers. 00000:jcl86458817802685067490000000000013500 Discover Platinum Card Account Summary Closing Date, June 25, 2003 page 1 of 3 Account number ending in 9388 Previous Balance $0.00 Payment Due Date July 24, 2003 Payments And Credits 5,851.42 MinimumPaymenl Due $135,00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $1.00 Balance Transfers + 12,600:42 Cash Credit Limit $3,400:00 Finance Charges + 0.00 Cash Credit Available $1.00 New Balance $6,749.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details: Cashback'Bor'IUs® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0,00 Cashback Bonus Balance $ 0,00 Cashback BonusS Anniversary Month: May 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 u.s or by logging into the Account Center at Discovercard.com. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2• Call 1-800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available, options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) sea 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. Past Date Date Payments and Credits Jun 2 May 13 BALANCE TRANSFER $ -5,851.42 TEMPORARY CREDIT PENDING INVESTIGATION Balance Transfers May 9 May 9 CITI FINCIAL XXXXXXXXXXX7818 TI PA 898.00 APR 0.00% EXPIRES 05/2004 May 13 May 13 TEXACO THE ASSOCI XXXXXXXXXXX4581 SC IA 5,851.42 APR 0.00% EXPIRES 05/2004 Jun 7 Jun 7 HFC XXXXXXXXXXX4581'EC PA 5,851.00 APR 0.00% EXPIRES 06/2004 Information. For You Fact: Every 79 seconds -a thief steals someone's identity (CBSnews.com, 1/25/2001). Enroll in ProhleProtect(R), and we will send you a copy of your credit report, monitor your credit file for changes every business day, and send you Quarterly Credit Updates-- tools to help protect yourself from identity theft. Call 1-877-737-1936 to enroll. Account'number ending in 9388 DISC VET` ! s 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 han wait for it to arrive in your mailbox. • Gt he pful payment reminders through e-mail or text messages on your mobile phone, • Pr'nt a paper copy of your statement anytime. f Sign up today at Discovet:com/paperless 02009 Discover Bank, Member FDIC Closing Date: June 25, 2003 page 2 of 3 Simplify and save with three easy ways to transfer balances to your Discover Card, Call 1-866.2407939 to see if an offer is a railable for you, go to Discovercard.com, or look for Balance Transfer checks in the mail, 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. Congratulations to the National Discover(R) Card Tribute Award(R) Scholarship winners: Kevin Frasure, Jenny-Kate Lyon, Jeffrey Sun, Christina Adkison, Benjamin Lee, Jonathon-James Eno, Amanda Imbed, Caitlin G'Sell and Brittany Olson. Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute.htm to learn more. . Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES. current billing period: 56 days Purchases $0 0.03833% 13.99% V 13.99%a $0 $0 Cash Advance* $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $769,71 0,00000% 0.00% F 0.00% $0 $0 Balance Transfers $1985:16 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, Question 15? Manage, your account at'Discover.com or _.-tt 7 ann r 1Cl ^%1CD' ! t onn 0 A7 0400) I jr n A- 1 June 25, 2003 1 Account number ending in 4388 page 3 of 3 ,.asy,back Bonus a Award Summary -ashba,--k Bonus Anniversary Date: May 25 Balance Previous Casioback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 Cashback Bonus Award Total 0.00 Cashbaclk Bonus Award Balance 0,00 Award Available to Redeem $ 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1.800-DISCOVER (1.800-347-2583) for details. For program' details, see the Cashback Bonus grogram Terms and Conditiofis, $6,449.00 $129,00 Payment Due Date August 24, 2003 25 MSNEA01 0014681 BERRIER, KELBY D MOBILE EST 128 SHIP PENSBURG SHIPPENSBURG PA 17257-9534 Enter Amount Enclosed Below 11 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.comlpaperiess. PO BOX 71084 {11nrilinnfr11{r1m11.1 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. 000001,9864588178026850.64490000000000012900 Discover Platinum Cara Account Summary Closing Date: July 25, 2003 page 1 of 2 Account number ending in 9388, Previous Balance $6,749.00 Payment Due Date August 24, 2003 Payments And Credits 300.00 Minimum Payment Due $129.00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $301.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $301.00 New Balance = $6;449:00 You maybe 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® Anniversary Month: May 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. How Can We Help You? 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 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 Jul 6 Jul 6 INTERNET PAYMENT - THANK YOU $ -300.00 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 0.03764% 13.74% V 13.74% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $698.00 0.00000% 0.00% F 0.00% $0 $0 Balance Transfers $5851.00 0.000000/. 0.00% F 0.00% $0 $0 previous billing' period: 56 days Purchases $0 0.03833% 13.99% V 13.99% $0 none The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above. July 25, 2003 j Account number ending in 9388 page 2 of 2 asl back Bonus ® Award Summary Cashback Bonus Anniversary Date: May 25 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period -I- 0.00 Cashback Bonus Award Total 0.00 Cashback Bonus Award Balance 0,00 Award Available to Redeem 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1.800-DISCOVER (1.800-347-2683) for details. For pr gram details, see the Cashback Bonus f rogram Terms and Conditions. I` V _ $6,?99.00 25 3DSNM01 0014682 BERRIER, KELBY D MOBILE EST 128 :'3HIPPENSBURG 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.comipaperiess. PO BOX 71084 {{{nr{{nur{?{,{r{u,{{r{ CHARLOTTE NC 28272-1684 Address, a-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645881780268506],9900000000000],2400 Discover Platinum Card Account Summary Closing Date: August 25, 2003 page 1 of 2 Account number ending in 9388 Previous Balance $6,449.00 Payment Due Date September 24, 2003 Payments And Credits 250.00 Minimum Payment Due $124.00 Purchases + 0.00 Credit limit $6,750.00 Cash Advances + .0.00 Credit Available $551.00 Balance Transfers + 0.00< Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $551.00 New Balance = $6,199.00 You maybe able to avoid Periodic Financ e Charges, sea 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- Casnback Bonus(D. Anniversary Month: May Keep using your.Discover(R) Card and watch your Cashback Bonus(R) award grow? Remember, once yyour Cashback Bonus award is at least $20, you can redeem your award by calling us or by logging into the Account Center at [5iscovercard.com. Ht1aW Can We @? You? 1 • Visit Discover.cam to pay your 6111 for no cost, view your p latest Account information, earn and redeem rewards and more It's your Choke 3 Wags 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 17 Aug 17 INTERNET PAYMENT - THANK YOU $ . -250.00 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 Purchases $0 0.03764% 13.74% V 1374% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $525.41 0.00000% 0.00% F 0.00% $0 $0 Balance Transfers $5851.00 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. $12400 Enter Amount Enclosed Below Payment Due Date September 24, 2003 Please make check payable to Discover Platinum Card or pay online Q Discovercard.com. August 25 2003 Account'number ending in 9388 page 2 of 2 ashback Bonus o Award Summary Cashback Bonus Anniversary Date: May 25 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 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER (1.800.347-2883) for details. For program details, see the Cashback Bonus Program Terms and Conditions. $6,075.100 x$122,00 Enter Amount Enclosed Below Payment Due Date $ October 24, 2003 Please make check payable to Discover Platinum Card or pay online Q Discovercord.com, 25 EiDSn6A0t 0014683 BE'RRIER, KELBY D Go paperless and make your account information more secure with password- protectedstatements only you can access. 128 SHIPPENSBURG - Learn more at discover.comlpaperless. SHIPIPENSBURG PA 17257-9534 PO' BOX 71084 1111111fur,rlr11l11u11111 CHARLOTTE HC 28272-1084 Address, e-mail of telephone change? Print change in space above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. 000001986458817802685060750000000000012200 Discover Platinum Card Account Summary Closing Date: September 25, 2003 page] of 2 Account number eliding in 9388 Previous Balance $6,199.00 Payment Due Date October 24, 2003 Payments And Credits 124.00 Minimum Payment Due $122.00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $675.00 Balance Transfers + 0:00 Cash Credit Limit $3,400:00 Finance Charges + 0.00 Cash Credit Available $675,00 New Balance = $6,075.00 You may be able to avoid Periodic Finance Charge s, 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 Bonuses Anniversory Month: May Keep using your Discover(R) Card and watch your Cashback,Bonus(R) award grow! Remember, once yycwr Cashback Bonus award is at least $2'0, you can redeem your award by calling us or by logging into the . Account Center at Discovercard.com. HOW Can Vie Help YOU? p 1. Visit Discover.com to pay' your bill for no cost, view your l A atest ccount information, earn and redeem rewards and more Itrs your choice - 3 Ways t0 help 2. Ca11 1-800-DISCOVER (347.2683) For fast, easy self-service i 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 Guaran tee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 17 Sep 17 INTERNE T PAYMENT -THANK YOU $ -124.00 Finance Charge Summary Average Daily alances Daily Periodic Rates Nominal ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic FINANCE CHARGES Transaction Fee FINANCE CHARGES current billing period: 31 days Purchases $0 Cash Advances $0 0.03764% 0.05751% 1374% V 20.99% F 13.74% 20.99% $0 $0 $0 $0 Balance Transfers $312.00 0.00000% 0.00% F 0.00% $0 $p Balance Transfers $5851.00 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, 11-MI - V r September 25, 2Q03 Account'number ending in 9388 ` page 2 of 2 Cashback Bonus ® Award Summary Cashbark Bonus Anniversary Date: May 25 Balance Previous Cas-iback Bonus Award Balance $ 0.00 Purchase Award This Period + 0.00 Cashback Bonus Award Total 0.00 Cashback Bonus Award Balance 0.40 Award Available to Redeem $ '0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER (1-800.347-2683) for details. For program details, see the Cashback Bonus (rogram Terms and Conditions. $5,153.00 $120.00 I Enter Amount Enclosed Below L Payment Due Date $ ?- November 24, 2003 please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 25 13DSN 6A01 0014684 BERRIER, KELBY D Go paperless and make your account information more secure with password- MOBILE EST protected statements only you can access. 128 SHIPPENSBURG Learn more at discover.comlpaperless. SHIPPENSBURG PA 17257-4534 PO BOX 71084 IIIu??I?uuI?IrIrIAnII?1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (r??r?(u(ni(r(??u?rr?r?n?????in?n{n?u?{n?n{ral?{n?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers, 00000a,9864588178.02685059530000000000012000 Discover Platinum Card Account Summary Closing Date. October 25, 2003 page 1 of 2 Account number ending in 9388 Previous Balance $6,075.00 Payment Due Date November 24, 2003 Payments And Credits 122.00 Minimum Payment Due $120.00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $797.00 Balance Transfers + 0.00 Cash Credit limit $3,400.00 Finance Charges + 0.00 . Cash Credit Available $797,00 New Balance = $5,953.00 You may be able to avoid Periodic Finance Charg es, 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 BonusO Anniversary Month: May 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. Y H We H l ? C 1. Visit Discovec.com to pay your bill for no cost, view your an e p ou ow 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, ea sy 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 Oct 19 Oct 19 INTERNET PAYMENT • THANK YOU $ -122;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 0.03764% 13.74% V 13.74% $0. $0 Cash Advances $0 ' 0,05751% 20.99% F 20.99% $0 $0 Balance Transfers $195.53 0.00000% 0.00% F 0.00% $0. $0 Balance Transfers $5851.00 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. October 25, 2Q03 Account'number ending in 9388 page 2 of 2 t-ashback Bonus ° Award Summa _ ry Cashback Bonus Anniversary Date: May 25 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 Restrictions apply to the Cashback Bonus Partner offers visit Discoveacom or call 1-800-DISCOVER (1-800.347.2683) for details. For prog-am details, see the Cashback Bonus Program Terms and. Conditions: t A !. ?:ph©gli"? $5,833.00 $117.00 Enter Amount Enclosed Below Payment Due Date $ ?- December 24, 2003 please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 25 .0SN6A01 0014685 BERRIER, KELBY D Go paperless and make your account information more secure with password- protected statements only you can access. 128 3HIPPENSBURG Learn more at discover.comlpaperless. SHIP'ENSBURG PA 17257-9534 PO BOX 71084 II{n?{{uui{r{i{i{rti{{t{ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change? Print change in space (rr(rI(?y(rr?(r((nr(srlr(nr(I(Inrlar(rr{n{(nlnlulr(uI( above; or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00001:11986458817802685058330000000000011700 Discover Platinum Card Account Summary Closing Date; November 25, 2003 page 1'of 1 Account number ending in 9388 Previous Balance $5,953.00 Payment Due Date December 24, 2003 Payments And Credits 120.00 Minimum Payment Due $117.00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $917.00 Balance Transfers + 0.00 Cash Credit Limit $3;400.00 Finance Charges + 0.00 Cash Credit Available $917.00 New Balance = $5,833,00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bon? Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0100 Cashback Bonust® Anniversary Month: May Keep using your Discover(R) Card and watch your Cashback Banus(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. CW Can \A YV/e Help You? How 1. Visit Discover.com to pay your bill for no cost, view your l t t A t i ti n a d d f a d It's your choice - 3 Ways to help a ccoun orma o , earn re eem rew es n n r s 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 Guaran tee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 20 Nov 20 INTERNE T PAYMENT -THANK YOU $ -120,00 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 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 $82.25 0.00000% 0.00% F 0.00% $0 $0 Balance Transfers $5847.51 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. Lock Your CD Rate Today! Move fast to lock in your CD rate with Discover Bank's Fast, free and secure Electronic Deposit! ni- ,G_ c_ ...,..,._ _AA L.-A- . n.. ., rn _ r,,..r - .,.,., r n r.__ .._. .. L--i- _. ,,... 9 r s''? t $5,713.00 j $1 i500? Enter Amount Enclosed Below Payment Due Date $ ?- January 24, 2004 Please make check payable to Discover. Platinum Card or pay online @ Discovercard.com. 25 SDSWA01 0014686 - BERRIER, KELBY D go paperless and make your account PIOBI LE EST information more secure with password- protected statements only you can access, 128 SHIPPENSBURG Learn more at discover.conVpaperless. SHIF'PENSBURG 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. PO BOX 71084 11111111111111111111111 1111 CHARLOTTE NC 28272-1084 111111111 11111 111 1111111 11111111111111111111111111111111111111 000001986458817802685057130000000000011500 Discover Platinum Card Account Summary Closing Date: December 25, 2003 page 1 of 1 Account number ending in 9388 Previous Balance $5,833.00 Payment Due Date January 24, 2004 Payments And Credits 120.00 Minimum Payment Due $115.00 Purchases + 0,00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $1,037,00 Balance Transfers + 0.00 Cash Credit Limit $3;400.00 Finance Charges + 0.00 Cash Credit Available $1,037,00 New Balance $5,713.00 ` 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: May Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, once you Cashback Bonus award is at !east $20r , you can redeem your award by calfing 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 our p latest Account information, earn and redeem rewards and more It's your Choice - 3 ways to help 2. C6111 -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 (assistancefor 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 $ •120.00 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 0.03764% 13.74% V 13.74% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $0 0.00000% 0.00% F 0.00% $0 $0 Balance Transfers $5$01.00 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. Please.note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award $5,593.00 17 2.00 Payment Due Date February 24, 2004 25 IiD8NEA01 0014687 BERREER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Enter Amount Enclosed Below $?- Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comtpaperless. PO BOX 71084 IIInrlfut,11r1tlIIafill I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ??????(u(1st(r((n?(u(?(nt((((u?(n?n?n?,n?n(n?1{u?, above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers, 00001119864588117802685055930000000000011200 Discover Platinum Card Account Summary Closing Date: January 25, 2004 page l of 2 Account number ending in 9388 Previous Balance $5,713.00. Payment Due Date February 24, 2004 Payments And Credits 120.00 Minimum Payment Due $112.00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $1,157,00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 finance Charges + 0.00 Cash Credit Available $1,157.00 New Balance = $5,593.00 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 Bonusd'Anniversary - - - _ - .:- _ ..... - . Month: May 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 togging into the Account Center at Discoyercard.com. 11OVt/ Can We Help YOU? 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 t0 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 ' Transactdons $0 Fraud Lability Guarantee Use your Discover Card with confidence. Trans, Post Date Date Paymentsland Credits Jan 21 Jan 21 INTERNET PAYMENT -THANK YOU $ 120.00 Information For You Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award Lock Your CD Rate Todayl Move fast to lock in your CD rate with Discover Bank's fast; free and secure Electronic Deposit! w_ 0---L 1_ _JJ t.._J_ a_ - rn _- L._J .._... r n Jk.-.al.. t-__ ..... L__I_ _._ _-.-., +,.... LYM,? _< a' V t VE Account number ending in 9388 Get added security with no paper tram Make your account information more secure with password-protected statements that only you can access. • A:cess up to 24 months of downloadable, p intabe statements. • S :e your statement as soon as it's available r0her t'ian wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail of text messages on your mobile phone. P' f Sign up today at DISCOvencom /paperless s • rent a paper copy o your statement anytime. ©2009 Discover Bank, Member FDIC Crosing Date: January 25, 2004 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 )eriod: 31 days Purchases $0 0:03764% 1374% V 13.74% $0 $0 Cash Advance s $0 0.05751% 20.99% F 20.99% $0 $0 Balance Translers $0 0.00000% 0.00% F 0.00% $0 $0 Balance Translars $5693.64 0.00000% 0.00% F 0.00% $0 $0 The rats 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 ,.,.il ?Qnn_in?crnvto r? ?nn o.+? ?.cooi "LP $5,473.00 5110.00 Payment Due Date Mauch 24, 2004 25 3DS!v6A01 0014888 BERRI'ER, KELBY D MOBILE EST 128 rHIFPENSBURG SHIPPENSBURG PA 17257-9534 Enter Amount Enclosed Below Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comipaperless. PO BOX 71084 111 111111111111111111 gill 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )rrlr?)nlnrllllnl)nlr)ru)llliu)rrlirlrrllsrlulri)r)u)) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000111986458817802685054730000000000011000 Discover Platinum Card Account Summary Closing Date: February 25, 2004 page 1 of 2 Account number ending in 9388 Previous Balance $5,593:00 Payment Due Date March 24, 2004 Payments And Credits 120.00 Mirimum Payment Due. $110.00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $1,277.00 Balance Transfers + 0.00 Cash, Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $1,277.00 New Balance = $5,473.00 You may be able to avoid Periodic Finance Charges, seethe reverse side for details. Cclshbclck Bowe Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0,00 Cashback Bonus Balance $ 0.00 Cashback BohUs(b Anniversary Month: May Keep usingg ycur Discover(R) Card and watch your Cashback Bonus(R) award' grow! Remember, once yyour Cashbock Bonus award is at least $20; you can redeem your award by calling us or by logging into the Account Center at D scovercard.com. How Coin We Help You? 1. VisitDiscover.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 (assisance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans, Post Date Date Payments and Credits Feb 19 Feb 19 INTERNET PAYMENT -THANK YOU $ tl'20.00 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: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Simplify and save with three easy ways to transfer balances to your Discover(R) Card. Call 1-877-353-0989 to see if a Balance Transfer offer is available for you, go to Discovercard.com or look for Balance Transfer checks in the mail. Lock Your CD Rate 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 add funds to a maturing Discover CID or fund a new CD directly from your bank, account. lust call 1-800-347-7000 and mention code; SC0204PC. Member FDIC. Get organized with paperless statements. Start receiving your Discover(R) Card statement exclusively onlinel No more .. ' ._-:__._L_.a _L.- 1--. -?a_..--.-i. _..-,,.i-.f J- ,..,- V-111,- -... - _.-.:I ...L_-. .._..- ....--,._a -a-.a.....-...a I.-.LI_ L-61k >V E i Account'number ending in 9388 Get added security with no paper tram Make your account information more secure with possv,,ord-protected statements that only you can access. • Access up to 24 months of downloadable, p intable statements. • Soe 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 k 02009 Discover Bank, Member FDIC Closing Date February 25, 2004 . page 2 of 2 FREE Additional Cards allow you to share your credit line without sharing your card! Bequest FREE Additional Cards for your spouse, kids, or anyone close to you. You'll get a lot more out of your credit line! Just call 1.800.347.5537 or visit Discovercardi.com today. The Account Centar at Discovercard.com makes your life easy. You can pay your Discover(R) Card bill, view your statement, sign up for e-mail newsletters and Account reminders - all this for (reel Log in to the Account Center at Discovercard.com and enjoy the benefits of easy access to your Account ...anytimel Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATE5 CHARGES CHARGES current billing period: 31 days Purchases $0 0.03764% 1374% V 13.74% $0 $0 Cash Advances $0, 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $0 0.00000% 0.00% F 0100% $0 $0 Balance Transfers $5565.90 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. Questions? 'Manage your account at Discover.com or rnll 1.anr%.111Crr%xirD 11 Qnn'?a7' 4001 ®. "? ?r7r t $5,363.00 ` $108.00 Payment Due Date April 24, 2004 25 &DStl6A01 0014689 BERR':I[ER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 Enter Amount Enclosed Below -? 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.com/paperless. PO BOX 71084 lllaa1lla,raalal1l1lasill 11 CHARLOTTE NC 28272-1084 Address, e-ruail or telephone change? Print change in space lrllallalllllllllllllarlllllallllLlllllllalaalllrlli(1a11(aill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000111986458817802685053630000000000010800 Discover Platinum Card Account Summary {losing Date: March 25, 2004 page 1 of 2 Account number ending in 9388 Previous Balance $5,473.00 Payment Due Date April 24, 2004 Payments And Credits 110.00 Minimum Payment Due $108.00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available. $1,387.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $1,387.00 New Balance = $5,363.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Boltue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback BonusS Anniversary Month: May 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 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 Mar 19 Mar 19 INTERNET PAYMENT - THANK YOU $ -110.00 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: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%, Rate is subject to the terms of the offer including expiration. Did you know that millions of credit cards are lost or stolen every year? The Register(R) safeguards all your credit, debit and ATM cards for less than five cents a day. Call 1.800.347-3395 to enroll in our 3-year $45 Deluxe Service. 70% of credit reports contain at least one mistake (Consumer Reports, January 2001). Enroll in optional ProfileProtect(R), and we will send your credit report, monitor your credit file for changes every business day, and send you Quarterly Credit Updates - tools to help protect yourself from identity theft. Call 1.877-737-1936 to enroll. CALL FOR EXCITING'NEW BALANCE TRANSFER RATES! Save money and simplify your life by consolidating your debt. ?-11 1 077 0 r9 r1no g ._J-..- a_ -L.:C -._ _CC_- :_ C_- .,_..I DES _W ,__I Account number ending in 9388 Get added security with no paper trail Make your account information more secure with passvrord-protected statements that only you can access. • Access up to 24 months of downloadable, Sign up today at printa6ie statements. Discovet:com/paperless • See your statement as soon as it's available l rcther 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. ©2009 Discover Bank, Member FDIC Closing Date: March 25, 2004 page 2 of 2 For a list of our graat Cashback Sonus(R) Partners, login to the Account Center at Discovercard,com or call us at 1-877-YOUR-AWARD (1-877.968-7292). Go paperlessl Elect to stop receiving your DiscoverlR) Card statements by mail and receive them exclusively online, You'll get an e-mail notification when your statement is available online and aprintable version of your statement for your records Visit the Account Center at Discovercard.com to enroll. Finance (Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic Balances Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE FINANCE CHARGES CHARGES current billing period: 29 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 $0 0.00000% 0.00% F 0,00% $0 $0 Balance Transfers $5446.44 0.00000% 0.00% . F 0,00% $0 $0 The rates. that apply to your Account are either fixed (F) or the y may vary (V) as noted above. Questions? Manage your account at Discover.com or ,.?li ?_nnn_rvlie??hv?e ri onn o A? ?xonti E $5,255.00 $106.00 Enter Amount Enclosed Below Payment Due Date $ May 24, 2004 Please make, check payable to Discover Platinum d l d or pay on Car ine Q Discovercar .com. 25 9DSN6A01 0014690 B E R R 1[ t= R KE L BY D Go paperless and make your account ; information more secure with password- MOBILE EST protected statements only you can access. 128 SHIPPENSBURG Learn more at discoveCCom/paperiess. SHIPPE:NSBURG PA 17257-9534 PO BOX 71084 III 11I IIII III 1111111111111 11 CHARLOTTE NC 28272-1084 Address; e-mail or telephone change? Print change in space lhtieilriiernllilrnluieiiniii,iti1tr,ia1]Mill III III III III above, or go to Discover.com. Print your e-mail address to receive impo ant Account information and special offers. 1300001986458817802685052550000000000010600 Discow.r Platinum Card Account Summary Closing Date: April 25; 2004 page 1 of 2 Account number ending in 9388 Previous Balance $5,363.00 Payment Due Date May 24, 2004 Payments And Credits 108.00 . Minirnum Payment Due $106.00 Purchases + 0.00 Credit Limit $6;750.00 Cash Advances + 0.00 CreditAvailal!Ole $1,495.00 Balance Transfers + 0.00 Cosh Credit limit $3;400.00 Finance Charges + 0.00 Cash Credit Available $1;445.00 New Balance = $5,255.00 You may be able to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonue Opening Cash6ack Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback BofWbsO Anniversary Month: May Keep using your Discover(R) Card and watch your Cashback Bonus(R) award growl Remember, orice 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. I-IO?W Can We H@I13 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 WdyS 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 us at Discover Card, PO Box 30943, For TDD (assisllance 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 Apr 22 Apr 22 INTERNET PAYMENT -THANK YOU $ -108.00 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: 0,02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. FREE Additional Cards allow you to share your credit line without sharing your card! Request FREE Additional Cards for your spouse, college student, or anyone close to you. You'll get a lot more out of your credit line! Just call 1-800-347-5537 or visit Discovercard.com today. 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 1-800-475-9161 or visit Discovercard.com. This offer only lasts through June. As a Discover(R) Cardmember, you can get cash quickly and easily - just about anytime, anywhere. To find the nearest cash I__t _J_ It __...__(^_... J l_._I_. A_____l"L _..I.. ._.II 9 nnf%micl `/ %Jrn 11 nnn n A?ntnal. A_A VM& aVLK i DISCOID ?EK Account' number ending in 9388 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 clownloadable, printable statements. a Soe 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 (lank, Member FDIC Closing Date: April 25, 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 froin your bank account. Just call 1.800-347.7000 and mention code: SC0404PC, Member FDIC. Firiance 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 IPurcliases $0 0.03764% 13.74% V 13.74% $0 $0 lrorrotional Purchases $0 0.00000% 0.00% F 0.00% $0 $0 Cash Advances $0 0.0575 .1 % 20.99% F 20.99% $0 $0 13alance Transfers $0 0.00000% 0.00% F 0=% $0 $0 Balance Transfers $5349.06 0.000001/o 0.00°/a F 0.00% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 1QUII35 iOrtS? Manage your account at Discover.com or -,,Il 7_4AA_I:1NCt l1\lce 11 Onn 9A774091 'tY f? TE $0.00 50.00 Payment Due Date June 24, 2004 25 SCSI` 6A01 0014691 BERR:IE F, KELBY D MOBILE: EST 128 SHIPPENSBURG SHIF'PENSBURG PA 17257-9534 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 discover.com/paperless. PO BOX 71084 111 111 111111,111 1 11 if fill 11 CHARLOTTE NC 28272-1084 Address, e-mail cr telephone change? Print change in space 111111111111111'1111111111111?1111111111If 1111111[u1..1.I'dI above, or co to Cliscover.com. Print your e-mail address to receive important Account information and special offers. 0000[]:1`186458817802685000000005255000000000 Discover Platinum Card Account Summary Closing Date: May 25, 2004 page l of l Account number lmding in 9388 Previous Balance $5,255.00 . Pay nent'DLe Date June 24, 2004 Payments And Credits - 5,255.00 Minimum Paymert Due $0.00 Purchases , + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Cre fit Avoi able $6,750.00 Balance Transfers + 0.00 Cash Credit L.irit $3,400.00 Finance Charges + 0.00 Cash Credii Available $3,400.00 New Balance $0.00 Cashback Bonus Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 - Casli6ack 1306U30 Anniversary ._-- - Month: May How Can We Help YOU? H 1. Visit Discover.com to pay your bill for no cost, view your l A 1trS )loUl, C1'lcke - 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 For fDD (assistance For hearing impaired) see reverse side Write us at Discover Card, PO Box 30943, 3. W Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guaran tee Use your Discover Card with confidence. Trans. Post Date Date Payments aid Credits May 15 May 15 PAYMENT - THANK YOU $ -5,255.00 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 0.03764% 13.74% V 13.74%. $0 $0 Promotional Purchases $0 0.00000% 0.00% F 0.00% $0 $0 Cash Advances 'i $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $0 0.00000% 0.00% F 0.00% $0 $0 Balance Transfers $3328.16 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. 7 f `- `!" $5,332.07 2:3 31)S 43A'01 0014692 . BERIRIER, KELBY D MOBILE EST 128 SH.PPENSBURG SHII'PEt1SBURG PA 17257-9534 $107.00 Enter Amount Enclosed Below Payment Due Date $ January 24, 2005 Please make check payable to Discover Platinum Card or pay online Q Discovercord.com. Go paperless and make your account information more secure with password- profected statements only you can access. Learn more at discover.comlpaperiess. PO BOX 71084 ?11n?l?ennlal??rl...Nil CHARLOTTE NC 28272-1084 AdJress, e•mcil or telephone change? Print change in space above, or go io )iscover.com. Print your e-mail address to recDive important Account information and special offers: 000001r186458817802685053320700000000010700 Discovww Platinum Card Account Summary Closing Date: December 25, 2004 page 1 of 2 Account nurr,bar ending in 9388 Payment Due, Date January 24, 2005 Minimum PayrieitDue $107;00 Credit Limit $6,750.00 CreditAvailob6e $1,417.00 Ca., In Credit Lis nit $3,400.00 Cosh Credit A,,ailable $1,417.00 Previous Balance $0.00 Payments And Credits 0.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 5,282.07 Finance Charges + 50.00 New Balance = $5,332.07 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback kinue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0:00 Cashback Bonus Balance $ 0.00 Cashback Bon.JS0 Anniversary Month: May Keea using yovr Discover(R) Card and watch yow Cashback Bonus(R) award grow! Remember, once your Cashback Bonus awcrd is at least :D20, you can redeem your award by calling us or by logging into the Acc punt Center aq Discovercard.com. How CG I1 we Hel YOU? p 1 • Visit Discovgncom to pay your bill for no cost, view your l t t A t i f ti d d rd d a es ccoun n orma on, earn an re eem rewa s an more Ctrs your chcoice - 3 Ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self service Please have yoJr'?,?iscover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For "fDD (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 Balance Transfers Noy 29 Nov 29 BALANCE TRANSFER CHECK 0313 $ 5,282.07 - - - Noy 29 Nov 29 BAL TRANS TRANSACTION FEE' FINANCE CHARGE 50.00 APR 0.00% EXPIRES 04/2005 In$ormcifon For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0:00% Rate is subject to the terms of the offer including expiration. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A-Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) award to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org`. Protect your good credit during this busy Holiday season. ProfileProtect(R) helps you manage your credit, prevent identity +t,e4} R. -A..,....r.....,.), ,.F;- , D-N-D...a .a _ _..:J - _r.._..- _.._ _La -- - - . _ - ... ... r., I . U 9 j. Dt,p;?r fy? Account number ending in 9388 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • A:eess up to 24 months of downloadable, printable statements. • See your statement as soon as it's available rcther than wait for it to arrive in your mailbox. • Get heipfui 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 ©2009 Discover Bank, Member FDIC Closing Date: December 25, 2004 page 2 of,2 Give that someone special the gift that could only come from you. Discover(R) Gift Cards come in festive designs in denominations up to $500, and are accepted most everywhere Discover Card is welcomed. Customize yours with a personal message when you order at Discovergiftcard.com. Not available to residents of CT, DC, MA, ME or NH. Every purchase you make with your Discover(R) Card earns you a Ca5hback Bonus(R) award. You can redeem your award anytime it reaches $20, or you can let it grow - it won't expire. Redeem your award online at Discovercard.com or call 1.877-YOUR-AWARD (1.877-968.7292): Stay connected to loved ones this holiday season with thoughtful gifts from 1.800-FLOWER$.COM(R). Save 15%* on your next purchase when you use.your Discover(R) Card and code DC88. Call 1-800-FLOWERS(R) (1-800-356.9377), click www.1800flowers;com, or come inl *For details please visit www.1800flowers.com/disclaimer. This year, give FREE Additional' Cards to the people you care about and build a bigger Cashback Bonus(R) award, too. It's sasyt To request FREE Additionai Cards for your Account, just call 1-800-DISCOVER or visit Di scc?vercard:com/Add itionalCords. f=inance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances 'Rater RATES RATES CHARGES CHARGES Current' billing period: 30 days Purchases $0 0.04038% 1.474% V 14.74% $0 $0 Cash Advances $0 0.05751% 20.99% F 20,99% $0 $0 Balance Transfers $4798.86 0.00000% 0.001/0 F 11.35% $0 $50.00 previous. billing period: 31 days Furchases $0 0.03970% 14.49% V 14:149% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. QU6sfion5? Manage your account at Discover.com or y $5,225.07 L$_101=00 Enter Amount Enclosed Below Payment Due Date $ February 24, 2005 please make check 6a yya?ble to Discover Platinum Card or pay online Discovercard.com. 25 5DSNGA01 0014693 BERPIER, KELBY D go paperless and make your account information more secure with password- MOBILE EST protected statements only you can access. 128 SHIPPENSBURG Learn more at discover.com/paperless. SHIPPENSBURG PA 17257-9534 PO BOX 71084 111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?ii(c??11(11c,1??11111i'1lIf i,1{1Mild 1111111 [11r1111111 111) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458817802685052250700000000010500 Discover Platinum Card Account Summary Closing Date; January 25, 2005 page 1 of 2 Account number ending in 9388 Previous Balance $5,332.07 Pa],ment Due' Date February 24, 2005 Payments And Credits' 107.00 Minimum Payment Due $105.00 Purchases + 0.00 Credit Limit $6,750,00 Cash Advances + 0.00 . Credit -Available $1,524.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 finance Charges + 0.00 Cash Credit Available $1,524:00 New Balance = $5,225:07 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 Bonuses Anniversary Month: May 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. How Can We @? 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. 'Calf 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 Jan 17 Jan 17 INTERNET PAYMENT - THANK YOU $ .107.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0.00%. Rate is subject to the terms of the offer including expiration. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A-Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) award to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or.visit www.wish.ore. (Dive that someone special the gift that.could only come from you. Discover(R) Gift Cards come in festive designs in denominations up to $500, and are accepted most everywhere. Discover Card is welcomed. Customize yours with a personal message when you order at Discovergiftcard.com. Not available to residents of CT, DC, MA, ME or NH. Protect our good credit during this busy Holiday season: ProfileProtect(R) helps you manage your credit, prevent identity ?? ?. Account number ending in 9388 Get added security with no paper trail Make your account information more secure with password-protected statements that only you can access. n A_cess up to 24 months of downloodable, pi i ntable statements. • SE,.; your statement as soon as it's available rcher than wait for it to arrive in your mailbox. e Gat helpful payment reminders through e-mail or °ext messages on your mobile phone. L Print a paper copy of your statement anytime. Sign up today at Discover.com/paperiess s ©2009 Discover Bank, Mernber FDIC Closing Date: January 25, 2005 page 2 of 2 Get Fit. Get Smart. Get More. Introducing more rewards-NOW thru February! Get a 5% Cashback Sonus(R) award at Heal h Clubs. Sporting Goods Stores, Bookstores and on Education purchases. Sign up today. Call 1-800-DISCOVER or visit Discovercard.com. Stay aonnected to loved ones this holiday season with thoughtful gifts from 1-800-FLOWERS.COM(R). Save 15%* on your next purchase when you use your Discover(R) Ccrd and code DC88. Call 1-800-FLOWERS(R) (1-800-356-9377), click www.1800f avvers,com, or come in! *For details please visit www.1800flowers.com/disclaimer. This year, give FREE Additional Cards to the.people you care about and build a bigger Cashback Bonus(R) award, too. It's easyl To request FREE Additional Cards for your Account, just call 1.800•DI5COVER or visit I)iscc vercard.c:om/AdditionalCards, 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: 31 days Purchases $0 0.04107% 14.99% V 14.99°! $0 $0 Clash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $5301.00 0.00000% 0.00% F 0.00% $0 $0 previois billing period: 30 days Purchases $0 0.04038% 14.74% V 14.74% $0 none The raies'that (apply to your Account are either fixed (F) or they may vary (V) as noted above. UE'Sti0CIIS? Manage your accou nt at Discover.com or . F, tM? $?.00 $0 013 Enter Amount Enclosed Below Payment Due Date $ --? March 24, 2005 25 S[)SNBA01 0014694 BERRIER, KELBY D Go paperless and make your account MOBILE EST information more secure with password- protected statements only you can access. 128 SHIPPENSBURG Learn more at discover.com/paperless. SHIPPE:NSBURG PA 17257-95:34 PO BOX 71084 y{'ur??rurr?r?r?r?rr????f CHARLOTTE NC 28272-1084. Address, e-mail or telephone change? Print change in space ?rr?rl'u?rrrlri(rn(rr(r?rrr,?l't11'??Ir?l'?I'r??rrlr,I'?rff' above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458817802685000000000000000000000 Discover Platinum Card Account Summary Closing Date; February 25; 2005 page l of 1 Account number ending in 9388 Previous Balance $5,225.07 Payment Due Date March 24, 2005 Payments And Credits . 5,225.07 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $6,750.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $3,400.00 New Balance = $0.00 Cashback Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ . 0100 CashbackBonusO Anniversary Month: May IOW Can We H el You? p 1. Visit Discover,com to pay your bill for no cost, view your l t A a est ccount information, earn and redee m rewards and more It's your choice - 3 Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast; easy selfservice Please have your Discover Card available. options or to speak with a Customer•Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 4 Feb 4 INTERNET PAYMENT - THANK YOU $ -5,225.07 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 $0 0.04107% 14.99% V 14.99% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $1516.95 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. !IF. 'r I P K $808.08 25 SDSI\IE.A01 0014695 BERRIEER, KELBY D MOBILE EST 128 SHIIP'PENSBURG 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.comlpaperless. PO BOX 71084 111... 111r,r,111111111]1111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space {??{?11??{??r{{{???{??{{iit{{{{tn{r?{n{?t{1u{n{re{i{i?{{ above, or go to Discover.com. Print your e-mail address to receiive important Account information and special offers:. 000001986458817802685008080800000000001700 Di scove:r Platinum Card Account Summary Closing Date; May 25, 2006 page 1 of 2 Account number ending in 9388 Previous Balance $0.00 PayTient Due Date June 24, 2006 Payments And Credits 0.00 Minimum Payment Due $17.00 Purchases + 808.08 . Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $5,941.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + ` 0.00 Cash Credit Available $3,400,00 New Balance = $808.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details.. Cashback Bonuso Opening Cashback Bonus Balance $` 0.00 New Cashback Bonus This Period + 2.02 Cashback Bonus Balance $ 2.02 Cashback Bonuses Ann!Jersary Month: May Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5%Cas66ack Bonus on Get More purchases in popular categories throwghout the year and up to I% Cashback Bonus on all your other purchases. How Can YY @ 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 Merchandise/Retail May 23 May 23 WAL-MART SC - #2574 CARLISLE PA $ 119:47 May 23 May 23 WAL-MART SC - #5358 SHIPPENSBURG PA 511.59 - - May 23 - May 23 WAL•MART SC - #5358 SHIPPENSBURG PA 177.02 Information for You 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. Let your Discover(R) Card pay your monthly bills, and you'll have more free time and a clearer picture of your monthly spending. Simply contact your service providers today to set up regular automatic payments with your Discoyer.Card and start building your Cashback'Bonus(R) even faster. $17.00 Enter Amount Enclosed Below Payment Due Date $1 -?-? June 24, 2006 Please make check payable to Discover Platinum Card or pay online Q Discovercard.com. VI ;- Account'number ending in 9388 ICr _ E`ER 1 Gel added security with no paper trail Make your account information more secure with password-protected statements that only you can access. • A:-cess up to 24 months of downloadable, Sign up today at printable statements. Dtscover.Com/paperless • 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, ©2009 Discover Bank Mem6er FDIC Closing Date May 25, 2006 page 2 of 2 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: 30 days Purchases` $0 0.03764% 13:74% V 13.74% $0 $C, Cash Advances $0 0.04792% 17.49% V 17.49% $0 $0 previous billing period: 31 days Purchases $0 0,04792% 17.49% V 17.49% $0 none The rates that apply to your Account are either fixed (F) or the y may vary (V) as noted above. Questions? Manage your account at Discover.com or __II 7_Qr\n_r,%i,cr ^%Yrn ii onn o e-7 ) caor y Sd.Od $0.00 I Enter Amount Enclosed Below Payment Due Date -r? July 24, 2006 26 ,D3N6A01 0014696 BERR11-R, KELBY D go paperless and make your account MOBILE EST information more secure with password- protected statements only you can access. 128 SF IPPENSBURG Learn more at discover.comlpaperless. . SHIPPENSBURG PA 17257-9534 PO BOX 71084 111] 1 Kill )1111118111 1111111 CHARLOTTE NC 28272-1084 Add•ess, e-mail or telephone change? Print change in space InIeIinIII111H1u{1i(i)ni)fl(u11n(11Ir,11r,ful lrlr 11 n 1 abo-e, or go tc Discover.com. Print your e-mail address to rece ve important Account information and special offers. I100.OC119864588178026850 00000000000000000000 Di ;cover Platinum Card Account Summary Closing Date: June 25, 2006 page 1 of 3 Account number ending in 9388 Previous Balance $808.08 Payn ent Due lDcife July 24, 2006 Payments And Credits 7,231;19 Minimum Payment Due $0.00 Purchases + 6,A23.11 Cred t Limit $6,750.00 Cash Advances + 0.00 Cred t Available $6,750.00 Balance Transfers + 0.00 Cash Credit Lim t $3,400.00 Finance Charges + 0.00 . Cash Credit Avcilable $3,400.00 New Balance $0.00 Cashback Bonue Opening Cashback Bonus Balance $ 2.02 New Cashback Bonus This Period 5% Cashback Bonus + 13.33 Everywhere Else + 44,11:6 Cashback Bonus'B Since Anniversary Month Cashback Bonus Balance $ 59.81 May: $57.74 Hd\N Can We Help You? P 1 • Visit Discover.kom to pay your bill for no cost, view your l t o t i e f i n d d at Acc ormat s un n on, ear an re eem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self service - Please: have'your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 10 Jun 10 INTERNET PAYMENT - THANK YOU $ -4,800.00 . Jun 14 Jun 10 RETURNED INTERNET PMT 4,800.00 Jun 18 Jun 14. REVERSE RETURNED PAYMENT CHECK CHARGE -35.00 Jun 20 Jun 20 INTERNET PAYMENT- THANK YOU -7,196.19 Merchandise/IRetail May 24 May 26 ROSS DRESS FOR LESS C PA 108.62 May 26 May 26 VALUE CITY 0158 CHAMBERSBURG PA 90.53 May 26 May 26 DEB SHOPS 86 CHAMBERSBURG PA 163:09 May 28 May 28 WAL-MART SC - #5358 SHIPPENSBURG PA 119.49 May 31 May81 OLD NAVY 3494. CARLISLE PA 323.02 May 31 May 31 WAL-MART SC - #5358. SHIPPENSBURG PA 366.47 May 31 May 31 MICHAELS STORE #6710 CARLISLE PA 144.97 Jun.4 Jun ,4 WAL-MART SC - #5358 SHIPPENSBURG PA 642.30 Jun 4 Jun 4 WAL-MART SC - 45358 SHIPPENSBURG PA 61.06 Jun 6 Jun 6 ECKERD DRUG #6664 SHIPPENSBUR PA 177.38 Jun 6 Jun 6 SUPER SHOE STORE #12 CHAMBERSBURG PA 94;98 Jun 8. Jun 8 MICHAELS STORE #6710 CARLISLE PA 234.82 Jun 8 ' Jun 8 TARGET STORES T 2099 CARLISLE PA 296.41 Jun 9 Jun 9 THE SHOE DEPT 0626 CHAMBERSBURG PA 229.95 Jun 9 Jun 9 A EAGLE OUT00004200041 CHAMBERSBURG PA 82.65 Jun 10 Jun 10 CALVIN KLEIN #052 HERSHEY PA 53.99 Jun 10 Jun 10 TOMMY HILFIGER #5 HERSHEY PA 113.914 Jun 10 Jun 10 TOTES, INC. HERSHEY PA 316.93 Jun 16 Jun 16 VICTORIA SECRET 800-888-1500 OH 159.40 ??a r d Ac DISC VER count number ending in 9388 Get added security with no paper trail Make, your account information more secure with possword-protected statements that only you can access. • Access up to 24 months of downloadable, printob e 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 gaper copy of your statement anytime, Sign up today at Discover.com/paperless R Vn- @2009 Discover Bank, Member FDIC Closing Date: June 25, 2006 page 2 of 3 Restaurants May 27 May 27' MCDONALD'S F4975 SHIPPENSBURG PA 28.33 May 27. May 27 PIZZA N STUFF SHIPPENSBURG PA 45.78 Jun 6 Jun 6 BROTHERS PIZZA SHIPPEN SHIPPENSBURG PA 16.61 Jun 8 Jun 8 MCDONALD'S F I 816.CARLISLE PA 4.13 Jun 9 Jun 9 BONANZA FAMILY RESTA CHAMBERSBURG PA 3469 Jun 10 Jun 10 FUDDRUCKERS #332 HUMMELSTOWN PA 32.17 Jun 10 Jun 10 MAMA'S PIZZA GRANTVILLE.PA. 19;90 Jun 14 Jun 14 BROTHERS PIZZA SHIPPEN SHIPPENSBURG PA 12.44 . Jun 15 . Jun 15 PIZZA HUT #62610050835 SHIPPENSBURG PA 36.60 Other/Miscellaneous Jun 14 Jun 14 FEE FOR RETURNED ACH PAYMENT 35.00 Gasoline May 26 May 26 SUNOCO SHIPPENSBURG PA 70.00 May 30 May 30 ISHA'S MART SHIPPENSBURG PA, - 20.12 Jun I Jun 1 SHEETZ 00000703498 SHIPPENSBURG PA 66.38 Jun 7 Jun 7 ISHA'S MART SHIPPENSBURG PA 21;06 Jun 8 Jun 8 SHEETZ' 00002634498 CARLISLE PA 40,Oi Jun 10 Jun 10 SUNOCO SHIPPENSBURG PA 40!00 Jun 12 Jun 12 SHEETZ 00000703498 SHIPPENSBURG PA 79.00 Travel/Entertainment Jun 2 Jun 2 BLOCKBUSTER VIDEO #422 SHIPPENSBURG PA 32:38 Jun 14 Jun 14 BLOCKBUSTER VIDEO #422 SHIPPENSBURG PA 95x'77 Services May 26 May 26 MASTERCUTS 9508056810 CHAMBERSBURG PA 78184 Supermarkets May 24 May 26 GIANT FOOD STORES #61 SHIPPENSBURG PA 290.71 May 28 May 28 GIANT FOOD STORES #61 SHIPPENSBURG PA 117.81 Jun 2 Jun 2 'GIANT FOOD STORES #61 SHIPPENSBURG PA 82:71 Jun 3 Jun 3 CRESSLERS MARKET SHIPPENSBURG PA 19.97 Jun 8 Jun 8 SAYLORS NEWVIULLE PA 192.38 Jun 13 Jun 13 GIANT FOOD STORES #61 SHIPPENSBURG PA 203.04 Medical Services Jun 6 Jun 6 KEYSTONE HEALTH CENTER CHAMBERSBURG PA 69.97 Nome Improvement May 24 May 26 LOWE'$ 1710 CARLISLE PA 102.70 Department Store May 24 May 26 CARLISLE CARLISLE PA 665:13 May 26 May 26 JCPENNEY STORE 2754 CHAMBERSBURG PA 89.98 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES , L ll curred i mg period: 31 days Purchases $0 0.03833%0 13.99% V 13.99% $0 $0_ Cash Advances $0 0.04860% 17.74% V 17.74% $0 $0 previous billing period: 30 days Purchases $0 0.03764% 13.74% V 137A% $0 none The mates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? NAanage your account at Discover.com or -[I 1.Qnn_ilnt<r va,:o i1 Qr, r, I n7 71071 June 25, 200b Account'number ending in 9388 page 3 of 3 ? as back Bonus ® Award Summary Cashbaci< Bonus Anniversary Date: May 25 _ Balance Previous Cashback Bonus Award Balance $ 2.02 Purchase Award This Period + 44.46 5oo Casl-back Bonus 13.33 Cashback Bonus Award Total 59.81 Cashbaclc: Bonus Award Balance 59.81 Award Available to Redeem 40.00 I Ir ? Restrictions applly to the Cashback Bonus Partner offers visit Discovencom or call 1-800-DISCOVER (1-800-347-2683) Far d(3tails. For program details, see the Cashback Bonus.Program Terms and Conditions. 25 SDS I A01 0014697 BERfi'IEk, KELBY D MOBILE EST 128 SHIPPENSBURG SHIF'PENSBURG PA 17157-9534 $15.00 J Enter Amount Enclosed Below Payment Due Date $, April 24, 2007 Please make check pa able to Discover Platinum Card or pay online @' [7 iscovercord.com. 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 111ofmill 111111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (u11l1n1n11111nr1u111n1111fin1111rr1?r1fu1?1fu1?11?N above, or go to Discover.com. Print your a-mail. address to receive important Account information and special offers. 000001986458817802685003897000000000001500 Discover Open Road Card Account Summary Closing Date! March 25, 2007 page 1 of 3 Account number ending in 9388 Previous Balance $0.00 'ayment Due Date: April 24, 2007 Payments And Credits 0.00 Minimum Payment Due $15.00 Purchases + 389.70 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $6,360.00 Balance Transfers + 0,00 Cash Credit Limit $3,400.00. Finance Charges + 0.00 Cash Credit Available $3,400.00 New Balance _ $389.70 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banue Opening Cashback Bonus Balance $ 19.81 New Cashbook Bonus This Period + 19.49 . Cashback Bonus Balance $ 39.30 Cashbcick Bonus® Since Anniversary Month May: $19.49 How Can We Het YOU? p I . Visit Discovencom to pay your bill for no cost, view your lat A t f est ccoun in ormation, earn and redee m rewards and more tit's your chollce - 3 Ways to help 2• Call 1.800-DISCOVER (3472683) For fast easy self-service Please have your Discover Card available.' , options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Far TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence. Trans: Post Date Date Gasoline Feb 26 Feb 26 GIANT FOOD STORES #61 SHIPPENBURG PA $ 55.50 Feb 27 Feb 27 SUNOCO MECHANICSBUR PA 527 Mar 1 Mar 1 QT 231 KANSAS CITY KS 8.79 Mar i Marl 'SUNOCO MECHANICSBUR PA 4,76; Mar 5 Mar 5 RUTTER'S FARM STORE #31 SHIPPENBURG PA 48.29 Mar 6 Mar 6 SHEETZ 00003095498 WINCHESTER VA 13.23 Mar 7 Mar 7 PILOT LEBANON TN 12.54 Mar 7 Mar 7 LOVE'S COUNTRY STORE # JACKSON TN 2,60 Mor 9 Mar 9 PILOT CORBIN KY 31.25- Mar 10 Mar 10 PILOT KANNAPOLIS NC 5,80 Mar 13 Mar 13 SUNOCO MECHANICSBUR PA 4.78 Mar 13 Mar 13 SHELL 0735754) 855003 DUBLIN VA 4.56 Mar 15 Mar 15 PILOT STANTON TN 30.17 Mar 15 Mar 15 SHEETZ 00007013493 MT JACKSON VA 9.53 Mar 15 Mar 15 SUNOCO MECHANICSBURGPA 13.33 Mar 16 Mar 16 MOTOMART #3359 PACIFIC MO 7.27 Mar 19 Mar 19 SUNOCO MECHANICSBURGPA 21.55 Mar 20 Mar 20 SHEETZ 00001958498 MECHANICSBURGPA 9,22 Mar 21 Mar 21 QT 231 KANSAS CITY KS 36.86 Mar 22 Mar 22 RUTTER'S FARM STORE #31 SHIPPENBURG PA 64.40 Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R) .("'A k-+1,..;,t,+---+....,..?..an.e.,+-_. ;.,,, t,,,.._ !^..I11 onnnrcr?%Ice r, -0,11..1+ V Account'number ending in 9388 MSC '? 4 Get added security with no paper tram Make your account information more secure with passw>rd-p-otected statements' that only you can access. • Access ip to 24 months of downloadabie, Sign up fOdCty at printable statements. Discovencom/paperless • Se s your statement as soon as it's available rather d-an wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Pr:.it a paper copy of your statement anytime. 02009 Discover Bank, Member FDIC Closing Date: March 25, 2007 page 2 of 3 Information For You 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. Get the flexibility of a home equity credit line with the certainty of a fixed-rate loan! The new Discover Home Equity Line of Credit is guaranteed never to increase more than 1.50 percentage points over your initial rate during the first 5years. Apply online at Discoverhomeloans.com today. 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 0.039010/. 14.24% V 14.24% $0 $0 Cash Advances $0 0.04929% 17.99% V 17.99'/0 $o $0 previous billing period: 31 days Purchases $0 0.03901% 14.24% V 14.24% $0 none The rates 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 „ n ,. nnn rucnnvrn i i nnr% ? A-r n c nor Mdre}t 25, 2007 Account number ending in 9388 L-- 1 page 3 of 3 'asEback Bonus° Plus Summary Cashback Bonus Anniversary Date: May 25 Balance P-evious Cashback Bonus Award Balance $ 19.81 Gas & P rchose Award + 19.49 Cashbar.:k Bonus Award Total 39.30 Cashback Bonus Award Balance 39.30 Award Available to Redeem $ 20.00 Restrictions apijply to the Cashback Bonus Partner offers visit Discover.com or call 1.800-DISCOVER (1-800-347-2683) for detains. For program ;details, see the Cashback Bonus Program Terms and Conditions. F p $687.17 $15.00 Payment Due Date May 24, 2007 25 :03MA01 0014698 BERRIE:R, KELBY D MOBILE. -.-.ST 128 SHIPPENSBURG SHIPfENSBURG PA 17257-9534 Enter Amount Enclosed Below Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperiess. P0. BOX 71084 CHARLOTTE NC 28272-1084 Address, a-mail or telephone change? Print change in space above, or go to Discover.com. Print your a-mail address to rece!ve important Account information and special offers. []OOOi71986458817802685006811700000000001500 Diiscovew Open Road Card ;Account Summary Closing Date: April 25, 2007 page 1 of 2 Account number ending in 9388 Previous Balance $389.70 Payment Due Date May 24, 2007 Payments And Credits 389.70 Minimum Payment Due $15.00 Purchases + 681.17 Cred;lt Limit $5,750.00 Cash Advances + 0.00 Credit Available $6,068:00 Balance Transfers + 0.00 Cash Credit limit $3,400:00 Finance Charges + 0,00 Cash Credit Available $3,400:00 New Balance _ $681.17 You may be able to avoid Periodic Finan ce Charges, see the reverse side for details. CcAback Botl!ue Opening Cashback Bonus Balance $ 39.30 New Cashback Bonus This Period + 34.06 Cashback Bonus Balance $ 73.36 Cashback>Bonus(b "Since Anniversary Month May: $53.55 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 Y'Y e i 7@? YOU p 1. Visit Discover:com to pay your bill for no cost, view your l c A f atest c ount in ormation, earn and redeem rewa rds 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 Apr 23 Apr 23 INTERNET PAYMENT - THANK YOU $ .389.70 Gasoline Mar',24 Mar 26 GAS AMERICA #43 KNIGHTSTOWN IN 68.79 Mar 25 Mar 26 SHEETZ-0000 1 9 1 749 8 CARLISLE PA _ 13.48 Mar 25 Mar 26 RUTTER'S FARM STORE #31 SHIPPENBURG PA 61.15 Mar 25 Mar 26 RUTTER'S FARM STORE #31 SHIPPENBURG PA 22.30 Mar 29 Mar 29 PILOT BRAZIL IN 70.53 Mar,30 Mar 30 005362 SPEEDWAY E NEW LENOX iL 5,02 Mar 31 Mar 31 SAPP BROS TRUCK STOP SALT LAKE CITUT 4,25 Mar 31 Mar 31 PILOT MSC.UT 1 1.79 Apr 1 Apr 1 BAKER TRUCK CORRAL BAKER CITY OR 11.58 Apr ,4 Apr 4 WILKINSON OGALLALA OGALLALA NE 9.53 Apr 5 Apr 5 0204077 CHEVRON 0204 SACRAMENTO CA 6.87 Apr 5 Apr 5 FOURTY NINER TRUCK PLAZA SACRAMENTO CA 6.07 Apr 5 Apr 5 SAPP'BROS TRUCK STOP SALT LAKE CITUT 5.87 Apr 6 Apr 6 0207427 CHEVRON 0207'LOVELOCK NV 16.95 Apr 6 Apr 6 TA RIP GRIFFEN #234 RAWLINS WY 6,66 Apr 10 Apr 10 SUNOCO MECHANICSBURGPA 8.38 Apr 11 Apr 11 SUNOCO MECHANICSBUR PA 7.17 V J__ "f t yR Account number ending in 9388 DISC 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, p; intabie statements. • Sae your statement as soon as it's available rather Klan wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail of 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: April 25, 2007 page 2 of 2 Gasoline Apr 13 Apr 13 LOVE'S COUNTRY STORE # GALLUP NM $ 107.68 Apr 14 Apr 14 PETRO #3 TRUCKER STORE LARAMIE WY 4.59 Apr 14 Apr 14 PETRO #3 TRUCKER STORE LARAMIE WY 18.00 Apr 14 Apr 14 LOVE'S COUNTRY STORE # AURORA NE 7.68 Apr 15 Apr 15 KWIK SHOP #0660 Q79 OMAHA NE 34.39 Apr 18 Apr 18 SUNOCO MECHANICSBURGPA 7.17 Apr 19 Apr 19 WILKINSON OGALLALA OGALLALA NE 9,94 Apr 20 Apr 20 PILOT CHEYENNE VVY 62.70 Apr 21 Apr 21 RUTTER'S FARM STORE #31 SHIPPENBURG PA 65.50 Apr 21 Apr 21 RUTTER'S FARM STORE #31 SHIPPENBURG PA 19:96 Apr 24 Apr 24 SUNOCO MECHANICSBUR PA 7.17 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3,90%. Rate is subject to the terms of the offer including expiration. Build rewards faster when you use ShopDiscover to shop For Spring! Earn 5% Cashback Bonus and more at top online retailers such cis Macys.com, Apple.com, and DicksSportingGoocls,com when you link through ShopDiscover at D isc overcard.com/shop Throujgh generous Cardmem6ers like you, Discover(R) Card has donated more than $15 million to the Make-A-Wish Foundlation(R). Consider contributing your Cashback Bonus to the Make-A-Wish Foundation to help make a child's dream coma true. Tb.Further your donation, Discover wi!I add an additional 20%. Visit www.discovercard.com or www.wish.org Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily B l c Periodic R PERCENTAGE RATES PERCENTAGE FINANCE fINANCE an a es ates RATES CHARGES CHARGES current billing period: 31 days Purchases - $0 0.03901% 14:24% V 14.24% $0 $0 Cash Advances' $0 0.04929% 17.99% V 17.99% $0 $0 previous billing period: 28 days Purchases $0 0.03901% 14.24% V 14.24% $0 none The rates that apply to your Account are either Fixed (F) or the y may vary (V) as noted above. Questions? Manage your account at Discover.com or ,.,..II i _nnn_nicrnvice t 1 onn o.A - ) z n n, ff, ?: EtR`?'a $413.16 $15.00 1 Enter Amount Enclosed Below Payment Due Date $-~? June 24, 2007 please make check payable to Discover Card or pay online @ Discovercard.com. 25 SDSNEA010014699 BERR[E:R, KELBY D Go paperless and make your account information more secure with password- MOBILE EST protected statements only you can access, 128 SFIPPENSBURG Learn more at discover.com/paperless. SHIPPENSBURG PA 17.257-9534 Address, a-mail or telephone change? Print change in space abo,?e, or go to Discover.com. Print your e-mail address to rece ve important Account information and special offers. PO BOX 71084 111,1,1L,uu1111111L111111 CHARLOTTE NC 28272-1084 L.{rIIr?I?rrLl{rrrLrlrLr?fllfrirf??Lrir,Il??LJ?o1,L?11 11000111986458817802685004131600000000001500 Dissco`ver Open Road Card Account Summary Closing Date: May 25, 2007 page 1 of 2 Acccunt number ending in 9388 Previous Balance, $681,17 Payrrent Due Date June 24, 2007 Payments And Credits 681.17 Minimum Payment Due $15.00 Purchases + 413.16 Cred# Limit $6,750.00 Cash Advances + 0.00 Credit Available $6,335.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $3;400:00 New Balance _ $413.16 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cas6ack,Bonus® Opening Cashback Bonus Balance $ 73;36 New Cash6ack Bonus This Period + 9 30 Cashback Bonus Balance $ 82.66 Cashback Bonb§D Since Anniversary Month May. $62.83 CONGRATLJLATIIONS! Your Cashback Bonus(R) is wanting for you. Visit Disc6rercard.com or call 1-800-DISCOVER . (1-800.347.268;3) to get your share of America's #l Cash Rewards Program. 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 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 Transactilons $0 Fraud Liabilit'tr Guarantee Use your Discover Card with confidence. Trans: Post Date Date Payments and Credits May 22 May 22 INTERNET PAYMENT -THANK YOU •$ -681.17 Gasoline Apr 26 Apr 26 LOVES'S COUNTRY STORE# TOMS BROOK VA 63.76 Apr 30 - Apr 30 -RUTTER'S-FARM STORE #31 SHIPPENBURG PA 56.41 May 1 May 1 RUTTER'S FARM STORE #31 SHIPPENBURG PA 70.20 May ,4 May ,4 SAPP BROS TRUCK STOP SALT LAKE CITUT 10.00 May 8 May 8 RUTTER'S FARM STORE #31 SHIPPENBURG PA 70.60 May 1 1 May 11 SHEETZ 00007013,498 MT JACKSON VA 61.97 May 17 May 17 FLYING J CARLISLE PA 80.22 Information For You Balance Transfer offer for current billing period: Doily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90°/x. Rate is subject to the terms of the offer including expiration. Earn 5% Cashback Bonus and more at these new online retailerst ShopDiscover has just added more top online retailers such as Kohls.com! AnnTaylorLoft.com, PetSmart.com and American Eagle (AE.com), to an already great selection so you can build reward0aster. Visit ShopDiscover at Discovercard.com/shop and start shopping today! Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. Our advanced fraud L DISC VER Account number ending in 9388 i i _ Get added security with no paper trail Make your account information more secure with posse ord•protected statements that only you can access. • A :cess up to 24 months of downloadable, Sign up today at p intabfe statements. Discover.com/paperless • 3-;a your statement as soon as it's available R rcther than wait far it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Pr int a paper copy of your statement anytime. Closing Date; May 25, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE: PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing „period: 30 days Purchases $0 0.03901% 14.24% V 14.24% $0 $0 Cash Advances $0 0.04929% 17.99% V 17.99°% $0 $0 previous billi%i period: 31 days Purchases $0 0.03901% . 14.24% V 14.24% $0 none op The that cpp4Y to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or II 1_4AA_tltci^ra\t[o 11 onn 0 d7 nco'?s L515.00 ? Enter Amount Enclosed Below ?'tt `625.22 Payment Due Date $ ?- July 24, 2007 Please make check payable to Discover Card or pay online @ Discovercard.com. 25 :iD Sit!6 A01 0014700 BERRIf?R, KELBY D informpaperless and make ation inomation more more curewura seecure with password- MOBILE EST protected statements only you can access. 128 SHIPPENSBURG Learn more at discover.com/paperiess. SHIPPE:NSBURG PA 17257-95:34 PO BOX 71084 IIIauIlIt .,IlIIIIIit III I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Dis4over.com. Print your e-mail address to recaive important Account information and special offers. 00000198645887,7802685006252200000000001500 Discover Open Road Card Account Summary Closing Date: June 25, 2007 page 1 of 3 Account number ending in 9388 Previous Balance $413.16 Payment Due Date July 24, 2007 Payments And'Credits 413.16 Mirimum Payment Due $15.00 Purchases + 625.22 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $6,124.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges' + 0.00 Cash Credit Available $3,400.00 New Balance = $625.22. You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaAbaek Bo11ue Opening Cashback Bonus Balance $ 82.66 New Cashback Bonus This Period + 27.87 Cashback Bonus Balance $ 110,53 Cashback BOnusOSince-Anniversary Month' May: $27.87 How Can We Help You? 1. Visit Discover-corn to pay your bill for no cost, view your ,latest Account information, earn and redeem rewards and more It's our choice ` 3 Wa s to hel 2. Call 1-800-DISCOVER (347-26,83) for fast, easy self-service p y y 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 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Paynnents and Credits Jun 24 Jun 24 INTERNET PAYMENT -THANK YOU . $ -413.16 Restaurants Jun 16 Jun 1.6 DOSWELL ALL AMERICAN-RES DOSWELL VA 67.27 Gasoline May 25 May 26 PILOT LEBANON TN 58.16 May 25 May 26 SUNOCO MECHANICSBURGPA 3.91 May 27 May 27 LOVE'S COUNTRY STORE # PANHANDLE TX 9.97 May 28 May 28 RUTTER'S FARM STORE 431 SHIPPENBURG PA 75.00 May 31 May 31 SHEETZ 00000703498 SHIPPENSBURG PA 6.67 Jun 1_ , _Jun .l. _ RUTTER'S FARM STORE #31 SHIPPENBURG PA 75.00 Jun 3, Jun 3 SUNOCO MECHANICSBUR PA 4.93 Jun 5 Jun 5 SHEETZ 00003095,498 WINCHESTER VA 64,53 Jun 8 Jun 8 SUNOCO MECHANICSBURGPA 75.00 Jun 9 Jun 9 SHEETZ 00007013498 MT JACKSON VA 7.73 Jun 11 Jun 11 SUNOCO MECHANICSBURGPA 3.38 Jun 15 Jun 15 RUTTER'S FARM STORE #31 SHIPPENBURG PA 122.91 Jun 16 Jun 16 EXXONMOBIL TAFTON PA 10.84 Jun 19 Jun 19 SHELL 17057540645207 PINE GROVE PA 6.45 Jun 19 Jun 19 SUNOCO MECHANICSBURGPA 3.38 Jun 20 Jun 20 RUTTER'S FARM STORE #31 SHIPPENBURG PA 6.90 Jun 22 Jun 22 EXXONMOBIL HOLLADAY TN 11.09 Jun 23 Jun 23 SHELL 17557540645207 PINE GROVE PA 7.93 Supermarkets Jun 19 Jun 19 RICHS CONVENIENCE STORE NORTH BILLERIMA 4.17 VIZ x " t ' D Account number ending in 9388 I_ Get added security with no paper trail i Make. your account information more secure with password-protected statements that only you can access, • Access up to 24 months of downloadable, printable statements. • Se:e 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 tom/paperfess" F? ©2009 Discover Bank, Member FDIC Closing Dater June 25, 2007 page 2 of 3 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%;. corresponding ANNUAL PERCENTAGE RA iE: 3.90°'6. Rate is subject to the terms of the offer including expiration. :5otirn we'll no longer be printing your full account number on your statement, It's just another way to keep your information saf3. But of course, if for any reason you need your full account number, it'll still be right there on your card. I3ui d rewardls Faster with top online retailers such as Target.com, DicksSportingGoods.com, LandsEnd.com, iTunes.com and ma ,y 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: Shanno Decker, Karlynda Johnson, July ILee, Emily Lester, Kathleen McGlynn, Eric Ndikumana, Donica 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 moie. 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 0.03901% 14.24% V 14.24% $0, $0 Cash Advances $0' 0.04929% 1.7.99%:V 17.99% $0 $0 previous billing period: 30 days Purchases $0 0,03901% 14.24% V 14.24% $0 none The rates that apply; to your Account are either fixed (F) or they may vary (V) as noted above. QUIeSt'iOnS? Manage your account at Discover.com or Inll a.stnn_nmewirD ii_ann_1?A71)AQo1 ?? ...,. M Account'numberending in 9388 ,. June 25, 7 page 3 of 3 as h ck B®nus° , Plus SUMM ry Ccishbac,( Bonus Anniversary Date: May 25 Balance Previous Cashback Bonus Award Balance $ 82.66 Gos & Purchase Award + 27.87 Cashbac6: Bonus Award Total 110.53 Cashback: Bonus Award Balance 110.53 Award Available to Redeem $ 100.00 Restricltions apply,to the Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER (1-800-3.47-2683) for details. For pr6i6ram details, see the Cashback Bonus Program Terms and Conditions. t o'?c "be t?l"? $572.53 2,E SDSlg3A01 0014701 BERRIER, KELBY D MOBILE EST 128 SHTP'PENSBURG SHIF'PENSBURG PA 17257-9534 $15.00 Enter Amount Enclosed Below Payment Due Date $-?? August 24, 2007 Please make check payable to Discover Card or pay online Q Discovercard.com. Address, e-mail or telephone change? Print change in space ak:c=ve, 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 1111,1111111111111111111111 CHARLOTTE NC 28272-1084 111111111111 111H 11111111111 111 111111111111 000001986458817802685005725300000000001500 Discover Open Road Card Account Summary Closing Date: July 25, 2007 page 1 of 2 Account number ending in 9388 Previous Balance $625,22 Payment Due Date August 24, 2007 Payments And Credits 625.22 Min mum Payment Due $15.00 Purchases + 572.53 Credit Limit $6,750.00 Cash Advances + 0.00 Cnldit Available $6,177.00 Balance Transfers + 0,00 Cash Credit':Limit $3,400.00 Finance Charges + Oi00 Cash Credit Available $3,400.00 New Balance _ $572.53 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. C ushbadk'Bonue Opening Cashback Bonus Balance $ 110.53 New Cashback Bonus This Period + 28.63 Redeemed This Period 100.00 Cc ;h6ack BonusO Since Anniversary Month Cashback Bonus Balance $ 39.16 May: $56.50 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER (1-800-347-2683) to get your share of America's #I Cash Rewards Program. How Can We Help You? p 1. Visit Discover.com.to pay your bill for no cost, view your e l A at st ccount 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 P lease have your Discover Card available. , options or to speak with a Customer Service Account Manager 3, Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $,0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans: Post Date Date Payments and Credits Jul 24 Jul 24 INTERNET PAYMENT - THANK YOU $ -623,22 Gasoline Jun 26 Jun 26 RUTTER'S FARM STORE #31 SHIPPENBURG PA 78.02 Jun 27 Jun 27 SHEETZ 00003269498 GETTYSBURG PA 12,18 Jun 28 Jun 28 SUNOCO MECHANICSBURGPA 15.27 Jun 29 Jun 29 SUNOCO MECHANICSBURGPA 45.12 Jul 4 Jul 4 SUNOCO MECHANICSBURGPA 44,52 Jul 4, Jul 4 RUTTER'S FARM STORE 431 SHIPPENBURG PA 78.77 Jul 9 Jul `9 RUTTER'S FARM STORE #31 SHIPPENBURG PA 40.60 Jul 11 Jul 11 PILOT BATH NY 10.17 Jul 11 Jul I 1 BROWNIE'S MINI MART LINDLEY NY 5.49 Jul 12 Jul 12 RUTTER'S FARM STORE #31 SHIPPENBURG PA 79.20 Jul 15 Jul 15 RUTTER'S FARM STORE #31 SHIPPENBURG PA- 75400 Jul 21 Jul 21 SHEETZ 00000703498 SHIPPENSBURG PA 73:00 Jul 23 Jul 23 SHELL 20557540645207 PINE GROVE PA 15.19 Manage your account your way- whether you prefer to speak with a live person or manage it on your own, Discover(R) (-• A 1,... 11.,. 1a.-..........-? _•-a:___ \I.-:a 11•. .._: ..I J? , nr.- -- - Get added security with no paper trail Make vc,ui iccount information more secure with passwori-protected statements that only you can access. • Ac-,( w up to 24 months of downloadable, pirhiakle statements. • Seo ,your statement as soon as it's available rat's(-r +an wait for it to arrive in your mailbox, • Get ie'pful payment reminders through e-mail or ext messages on your,mobile.phone. • Print a paper copy of your statement anytime. Sign up today at Discover.com/poperless 02009 Discover Bank, Member FDIC Closing Date: July 25, 2007 page 2 of 2 In-Formation For You Soor we'll no lcneer be printing your full account number on your statement. It's just another way to keep your information safe. But of ooursea, if for any reason you need your full account number, it'll still be right there on your card, Build rewards faster with top online retailers such as Target.com; DicksSportingGoods.com; CircuitCity.com, Sears.com and man; more when you link through ShopDiscover. Just visit Discovercard.com/shop to see our full listing of online retailers! Finipnce'Chlarge Summary balonce Transfer offer forcurrentbilling period: Daily Periodic Rate: 0.01068% ; corresponding A NNUAL PERCENTAGE KATE: 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 Furchoses $0 0.03901% 14.24% V 14.24% $0 $0 Crash Advances $0 0.04929% 17.99% V 17.99% $0 $0 previcus billing period: 31 days Furchoses $0 0.03901% 14.24% V 14.24% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. QUostions7"'Manage your account at Discover.com or it i nnn n. n,w.mw•.r•n i nn? n i> n i nn Account'number ending in 9388 p- „v' ly ? $797.??7 25 SDSWA01 0014702 BERFIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENISBURG PA 17257-9534. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperfess. PO BOX 71084 1Ht,t(1nr,1it1,lt1an??r? CHARLOTTE NC 28272-1084 Address, a-mail or telephone change? Print change in space, lu(i??IIIMI (?uI(n(Itur,I??iIIII11 ?ullnIu?ilfifrIII above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. 0000019864588178026$5007970700000000001600 Discover Open Road Card Account Summary Closing Date: August 25, 2007 page 1 of 2 Account number ending in 9388 Previous Balance $572.53 Payment Due Date September 24, 2007 Payments And Credits 572.53 Minimum Payment Due $1.6.00 Purchases ? + 797:07 Credit': Limit $6,750.00 Cash Advances + 0.00 Credit Available $5,828.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $3,400.00 New Balance $797.07 You may be able:to avoid Periodic Finance Charges, see the reverse side For details. Cashback Banue Opening Cashback Bonus Balance $ 39.16 New Cashback Bonus This Period ± 6.73 Cashback Bonus Balance $ 45.89 Cashback Bonust? Since Anniversary Month May: $63.23 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard,com or call 1-800-DISCOVER (1-800.347.2683) to get your share'of America's #1 Cash Rewards Program. How Can We Hel? You? 1. Visit 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 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 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments anti Credits Aug 24 Aug'24 INTERNET PAYMENT.- THANK YOU $ -572.53 Gasoline Jul 24 Jul 26 HESS 32425 SAUGERTIES NY 3.50 Jul 24 Jul 26 SUNOCO MECHANICSBURGPA 46.21 Jul 25 Jul 26 RUTTER'S FARM STORE #31 SHIPPENBURG PA 8.71 Jul 27 . Jul 27 RUTTER'S FARM STORE #31 SHIPPENBURG PA 74.20 Jul 28 Jul 28 RUTTER'S FARM STORE'#31 SHIPPENBURG PA 43.60 Aug 1 Aug 1 RUTTER'S FARM STORE #31 SHIPPENBURG PA 68.60 Aug 2 Aug 2 NICE N EASY GROCERY SHOP EAST SYRACUS NY 5.98 Aug 2 Aug 2 SUNOCO MECHANICSBURGPA 45.22 Aug 5 Aug 5 RUTTER'S FARM STORE #31 SHIPPENBURG PA 61.20 Aug 6 Aug 6 SUNOCO MECHANICSBURGPA 4.88 Aug 8 Aug 8 SUNOCO MECHANICSBURGPA 13.49 Aug 9 Aug 9 RUTTER'S FARM STORE #31 SHIPPENBURG PA 43.60 Aug 12 Aug !12 SHEETZ 00000828498 HAGERSTOWN MD 77.90 Aug l2 Aug '12 SHEETZ00000828498 HAGERSTOWN MD 37,27 Aug 16 Aug 16 SUNOCO LIVERPOOL PA 46.32 Aug 20 Aug'20 SUNOCO SHIPPENSBURG PA 54.90 Aug 22 Aug 22 SHEETZ00001'958498 MECHANICSBURGPA 88,74_ $16.00 i Enter Amount Enclosed Below Payment.Due Date - $ ?- ?? September 24,2007 please: make check payable to Discover Card or pay online @ Discovercard.com: Managae your budget track your spending and avoid fees with FREE timely e-mail reminders. Learn more about a-mail ramin?i rc renr?l'.;lhar anw n.,ltr,a .?.?........+... .........+.. _-r n:__ _..._r _.i___ ?. 7ift?io Account'number ending in 9388 et d ed security with no paper trail Make rout riccountinformation more secure with password-protected statements that only you con access. • Ac.oss up to 24 months of downloadable, printable statements. • See your statement as soon as it's available ratli:r than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or ext messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today of Discovet:coml(aaperless @2009 Discover Bank, Member FDIC Closing Date: August 25, 2007 page 2 of 2 Awcmotive Aug 1 Aug 1 MIDAS AUTO SERVICE EXPER CARLISLE PA $ 31.75 Govornment,iervices Aug 13 Aug 13 PA DRIVER/VEHICLE SERV HARRISBURG PA 81.00' Information For You Discover Financial Services is proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Con,ider donating your Cashback 8onus(R) to JDRF and you can help Fund research to find a cure. To further your.donation, Discover(R) Card will add an additional 20%. Visit Discovercard.com lf, im6llnee Charge Summary Balance Transfar offer for current billing period: Daily Periodic Rate: 0.01058%; corresponding ANNUAL 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 c,urrerit billing-period: 31 days Purchaases $0 0.03901% 14.24% V 14.24% $0 $0 Cash Advances $0 0:04929% 17.99% V 17.99% $0 $0 previous billing period: 30 days Furchoses $0 0.03901% 14.24% V 14.24% $0 none. The rotes' that;cipply to your Account are either fixed (F) or they may vary (V) as noted above. QU441ollis? Manage your account at Discover.com or li,.• nnn e',t:?nwnn 11 nnn q I9 ntnnr UI A? DlY I: $688.75 2: SE)SMA01 0014703 BERRIER, KELBY D MOB-.ILL EST 128 SHIPPENSBURG SHIPPENISBURG PA 17257-9534 $15.00 Enter Amount Enclosed Below Payment Due Date $~~`? October 24, 2007 Please make check payable to Discover Card or pay online @ Discovercard.com. Address, e-mail or telephone change? Print change in space akove, or go to Discover.com. Print your a-mail address to re,;eive 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 L,rlrli,rlu, Iilnrl,I1I1I„111111111rfuL111IILI1?el,lr?li ' 000001986458817802685006887500000000001500 Discover Open Road Card Account Summary Closing Date: September 25, 2007 page 1 of 3 Account number ending in 9388 Previous Balance $797.07 Pa Vment Due Date October 24, 2007 Payments And Credits - 797.07 Minimum Payment Due $15.00 Purchases + 688.75 Cr.ditLimit $6,750.00 Cash Advances + 0.00 Cmclit Available $6,061.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cosh Credit Available $3,400.00 New Balance $688.75 You may be able to avoid Periodic Finance Charges, see the reverse side for details." Cashback Bortue Opening Cashback Bonus Balance $ 45.89 New Cashback Bonus This Period + 3;4.4 Cashback Bonus Balance $ 49.33 Cashback Bonus®'Since Anniversary Month Mcy . $66.67 H??W Can We Hel You? 1. Visit Disccver.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 hel 2. Call 1.800-DISCOVER (347.2683) For fast, easy self service p 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 TransactlOnS $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 24 Sep 24 INTERNET PAYMENT - THANK YOU $ •797.07 Gasoline: Aug 23 Aug 26 RUTTER'S FARM STORE #31 SHIPPENBURG PA 68.70 Aug 24 Aug 26 SUNOCO MECHANICSBURGPA 48.10 Aug 30 Aug 30 RUTTER'S FARM STORE #31 SHIPPENBURG PA 72.50 Sep 1 Sep 1 RUTTER'S FARM STORE #31 SHIPPENBURG PA 43.60 Sep 4 Sep 4 RUTTER'S FARM STORE #31 SHIPPENBURG PA 68.45 . Sep 6 Sep 6 SUNOCO MECHANICSBUR PA 45.54 Sep 1 1 Sep 1 1 RUTTER'S FARM STORE #31 SHIPPENBURG PA 64.45 Sep I 1 Sep l i RUTTER'S FARM STORE #31 SHIPPENBURG PA A4:13 Sep 14 Sep 14 EXXONMOBIL LEE MA 12,82 Sep 15 Sep 15 RUTTER'S FARM #53 ETTERS PA 49.10 Sep 19 Sep 19 RUTTER'S FARM STORE #31 SHIPPENBURG PA 71.04 Sep 21 Sep 21 RUTTER'S FARM STORE #31 SHIPPENBURG PA 7.65 Sep 21 Sep 21 SUNOCO MECHANICSBURGPA, 45.83 Sep 24 Sep 24 RUTTER'S FARM STORE #31 SHIPPENBURG PA 46.84 61k VE Account number ending in 9388 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. • Se a yojr statement as soon as it's available rather than wait for it to arrive in your mailbox. • GO 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 [lank, Member FDIC. Closing Date: September 25, 2007 page 2 of 3 Finance Charge Summary Balance Transff r oN4 For current billing period: Daily Periodic Rate: 0.01068% ; corresponding A NNUAL PERCENTAGE RATE: 3.90%, Date is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE' Balances Rates RATES RATES CHARGES CHARGES ' current billing period: 31 days Purchases $0 0.03901% 14.24% V 14.24% $0 $0 Cash Advances $0 0.04929% 17.99% V 17.99% $0 $0 previous billing periodl: 31 days Purchcses $0, 0.03901% 14.24% V 14.24% $0 none 'The rapes that apply to your Account are either fixed (F) or they may vary (Y) as noted above. Quf stiolt" ? Manage your account at Discover.com or _.u 1i nnn n, rnf%a Yen n Winn n A-Y n z n.v `qtr M? - ;account number ending in 9388 September 25,290 page 3 of 3 ashback Bonus° Plus- Summary Cashback Bonus Anniversary Date: May 25 : Balance Previous Cashback Bonus Award Balance $ 45.89 Gas & Purc{• ase Award + 3.44 Cashback Bonus Award Total 49.33 Cashbaclk Bonus Award Balance 49.33 Award Avaiiable to Redeem $ 40.00 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1.800-DISCOVER (1-800-347.2683) for details. For program details, see the Cashback Bonus ? rogram Terms and Conditions. 1!v a $370.01 25 ;D:-3NEA01 0014704 BERRIER, KELBY D MOBILE ZEST 128 SFIPPENSBURG SHIPPENSBURG PA 17257-9534 $15.00 Enter Amount Enclosed Below Payment Due Date $ ?- November 24, 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.comlpapertess. Address, e-mmil 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 7108.4 (Ilnrllnnrlrt111111.1111 CHARLOTTE NC 28272-1084 IIrlrllr,l..,4,11.,,{ ,IrIrn111Lrr11rrlrrlrr11rr1rrlrrLl?rl1 000033,9864588178&02685003700100000000001500 Discover Open Road Card Account Summary Closing Date;. October 25, 2007 page 1 of 2 Account number ending in 9388 Previous Balance $688.75 Payment Due Date November 24, 2007 Payments And Credits 688.75 Minimum Payment Due $15.00 Purchases + 370.01 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $6,369.00 Balance Transfers + 0,00 Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $3,400.00 New Balance = $370.01 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 49.33 New Cashback Bonus This Period ± 2.11 Cashback Bonus Balance $ 51.44 Cashback Bonus(JSince Anni"versary Month May: $68.78 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit IDiscovercarcl.aom or call 1-800-DISCOVER (1.800-347-2685) to get your share of America's #1 Cash Rewards Program. !Haw Can We Help YOU 1 Visit Discover.com to pay your bill for no cost, view your t i l t t A i f d d d d a es ccoun ormat on; earn an n re eem rewar s an more ltrs your Choice - 3 Ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easyself-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Di cover 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 Oct 24 Oct 24 INTERNET PAYMENT - THANK YOU $ -688,75 Restaurants Sep 29 Sep 29 HMSHOST-PA-TURNPK #Q63 SOMERSET PA 7.41 Oct 4- 'Oct 4 - ` APPLEBEE'S 3RD39100144 OKLAHOMA CITYOK 26.57 {gasoline Sep 28 Sep 28 PILOT LEBANON TIN 69.08 Oct 1 Oct 1 RUTTER'S FARM STORE 431 SHIPPENBURG PA 75.06 Oct 4 Oct d PILOT GREENEVILLE TN 4.78 Oct5 Oct 5 KEYSTOPS LLC E FRANKLIN KY 64.53 Oct 6 Oct 6 RUTTER'S FARM STORE #31 SHIPPENBURG PA 5.47 Oct 21 Oct 21 SHEETZ 00000703498 SHIPPENSBURG PA 8.02 Oct 21 Oct 21 GETTY 73500004LUCKETTS VA 65.08 services Oct 2 Oct 2 UPC*VISTAPRINT.COv1800.721-6214 MA 44.07 4806287,4 Information For You Shop online, build rewards. Earn 5% to 20% Ca shback Bonus at top online retailers such as Sears.com, Circu!tCity.com and Drugstore.com'through ShopDiscover. Just vi sit Discovercard.com/shop today! Wish you couldrsort these purchases by amount, description or category? You can -- register at Discovercard.com to view DISC VEpi Account number ending in 9388 Get added security with no paper trail Make:, your account information more secure with possword-protected statements that only you can access. Access up to 24 months of downloadable, p,intab'e statements, , ® Sege 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/poperless R 02009 Discover Bank, Member FDIC Closing Date: October 25, 2007 page 2 of 2 Pay down your transferred balances faster with c Discover(R) Card Balance Transfer, You'll get a great 3.90% APR until 03;/2008 that can save you money and help you pay down your balances faster than everl Visit Dis.overcardl.com/balancetransfer, call 1.800.767-7319 or look for balance transfer checks in the mail. Hurry, offer ends 11/27/20071 -- - Firlclince Charge Summary Balancie 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 Average Daily ANNUAL ANNUAL Periodic Transaction 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 1374% $0 $0 Cash Advances $0 0.04792% 17.49% V 17.49% $0 $0 previous billing period: 31 days Purchases $0 0.103901% 14.24% V 14.24% $0 none The rotas that apply to your Account are either fixed (Fl or they may vary (V) as noted above, QuIaMiOlls? Manage your account at Discover.com or II 9'_4(?A_r?1CCl1\/[® r i onn o A-7 n Z r) -n 0,?r,?P? ca33.C3 $15.00 j Enter Amount Enclosed Below Payment Due Date $ ?- December 24, 2007 please make check payable to Discover Card or pay online Q Discovercard.com. 25 E3DSMA01 0014705 BERRIER, KELBY D MOBILE EST 128 iHI:' PENSBURG 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 1111u11,II IIIIIIIXfu,11.1 CHARLOTTE NC 28272-1084 111 11 111] 1111111111 fill IIIIIIIIIIII 0000019861458817802685000330300000000001500 Discover Open Road Card Account Summary Closing Date: November 25, 2007 page l of 2 Account number ending in 9388 Previous Balance $370,01 Payment Due Date December 24, 2007 Payments And Credits 380.60 Minimum Payment Due $15.00 Purchases + 43.62 Credit Limit $6,750.00 Cash Advances + 0.00 Credit Available $6,716.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Charges + 0.00 Cash Credit Available $3,400.00 New Balance $33.03 You may be able to avoid Periodic Finance Charge s, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 51.44 New Cashback Bonus This Period + 0.43 Redeemed This Period 40.00 Cashback BonusO Since Anniversary" Month Cashback Bonus Balance $ 1x,87.. May: $69.21 Keep using your Discover(R) Card and watch your Cashback Bonus(R) grow! How Can V" a 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 It's your 6oke - 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 Cord with confidence. Trans. Post Date Date Payments and Credits Oct 30 Oct 30 INTERNET PAYMENT - THANK YOU $ -340;60 Award and Rebate Credits Oct 29 Oct 29 REWARD REDEMPTION CREDIT -40.00 Restaurants Oct 24 Oct 26 TA #75 BREEZWOOD BREEZWOOD PA 10.59 Supermarkets Oct 27 Oct 27 GRANDMA MAX DES MOINES IA 33.03 ??er1 t? VER Account number ending in 9388 Gel added security with no paper trail Make: your account information more secure with possti?,ord-Protected statements that only you can access. • A.:cess up to 24 months of downloadable, Sign up today of printable statements. Discovercom/paperless • S: e your statement as soon as it's available R rcither tan wait for it to arrive in your mailbox. • Gat helpful payment reminders through e-mail or text messages on your mobile phone. • Pr nt a paper copy of your statemant anytime. ]2009 Discover Dank Member FDIC Closing Date: November 25, 2007 page 2 of 2 Finance 'Charge Summary Balance Translfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding A NNUAL PERCENTAGE RATE . 3.90%. Rate lis subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Transaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE Balances Rates RATES RATES FINANCE FINANCE CHARGES CHARGES current billing perio& 31 days Purchases $0. 0:03764% 13.74% V 13.74% $0 $0 Cash Advance, $0 0.04792% 17.49% V 17.49% $0 $0 previous billing period: 30 days Purchases $0 0.03764% 13.74% V 13.74% $0 none The r? The rotes that apply to your Account are either Fixed (F) or they may vary (V)as noted above. QuL560"s' ? Manage, your account at Discover.com or .:'-II F,_4hA_A'?1 C'1^l'1\!Ct\ !1 onr, o A7 n[ n,1i v0 25 SDSNE'A01 0014706 BERRIER, KELBY D MOBILE. TEST 128 SI-IPPENSBURG SHIPPENSBURG PA 17257-9534 $0' OD ! J Enter Amount Enclosed Below Payment Due Date $ l V?? January 24, 2008 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 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1„Illlr,lu,lllnrl..lrluillllrIII III III r,llgill ilr,lrlull above, or go tc Discover.com. Print your e-mail address to recaive important Account information and special offers. 00000l986L15881780268500000000000000000000O Discover Open Road Card Account Summary Closing Date: December 25, 2007 page 1 of I Account number ending in 9388 Previous Balance $33.03 Payment Due Date January 24, 2008 Payments And Credits 33.03 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $6,750.00 Cash Advances + 0.00 ` Credit Available $6,750.00 Balance Transfers + 0 00 Cash Credit '.Wt $3,400.00 Finance Charges + 0.00 Cash Credit Available $3,400.00 New Balance _ $0.00 Cashbaek BiDnue Opening Cashback Bonus Balance $ 1 1 .87 New CQShback.Bonus This Period + 0.00 Cash6ack"Bonus Balance $ 11.87 Cashback BonusB Since Anniversary Month May: $69.21 HC)W Can We I'lel 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 thoice - 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 For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transadions $O Fraud Liability Guarantee Use your Discover Card with confidence. . Trans. Post Date Date Payments and Credits Dec 3 Dec 3 INTERNET PAYMENT - THANK YOU $ .33.03 Finance Charge Summary Average Daily Balances Daily Periodic Rates Nominal ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE' RATES Periodic FINANCE CHARGES Transaction Fee FINANCE CHARGES current billing period: 30 days Purchases $0 0.03696% 13.49% V 13.49% $0 $0 Cash Advances $0 previous billing periodl: 31 days 0.04723% 17.24% V 17.24% $0 $0 Purchases $0 0.03764% 13.74% V 1374% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. , 'AI $4,867.91 25 SDSiv6AOI 0014707 BERFIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $98.0Q?? Enter Amount Enclosed Below Payment Due Date $ March 22, 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 I{I?nll,tn,IrI,I,Ine,II,I CHARLOTTE NC 28272-1084 1,.1,II„l,,,hll?„L,4,I,??{I{1a?T,J111„{LJ,?i,#i?Ll1I 0000319864588178126850486791100000000009800 Discover Open Road C and Account Summary Closing Date: February 25, 2009 page 1, of 2 Account number ending in 9388 Previous Balance $0.00 Payment Due Date March 22, 2009 Payments And Credits 0.00 Minimum Payment Due $98.00 Purchases + 21995.00 Credit Limit $6,750.00 Cash Advances + 0:00 Credit Available $1,882.00 Balance Transfers + 1,800.00 Cash Credit Limit $3,X00,00 Finance Charges + 72.91 Cash Credit Available $1,882.00 New Balance, _ $4,867.91 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 11.87 New Cashback Bonus This Period + 11.22 Cashback Bonus Balance $ 23.09 Cashback Bonus(D Since Anniversary Month May: $11.22 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 Melp YOLK 1. VisitDiscover.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 vs at Discover Card, P© Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84:130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post " Date Date " Merchandise/Retail Feb 1A Feb 1A GOOGLE *LEE COOK GOOGLE.COM/CHCA $ 2,995.00 6.49256238R37CUKO Balance Transfers Feb 20 Feb 20 . CHASE CARD SERVIC XXXXXXXXXXXXA329BT DE 11800.00 APR 2.99% EXPIRES 07/2009 Feb 20 Feb 20 BAL TRANS TRANSACTION FEE FINANCE CHARGE 72.00 Planning a Spring Break trip? Whether it's near or for, book online and save - with 5% to 20% Cashback Bonus(R) at over inn .__ _ i._. __. _?f_ _ Ll._ /'•___:..?lln1 /'?_..:._. ?t..u _a_ir, ... ._ __ .. ! Tl •a ? i, ,. ,.., .? -• - ??'"aas 't' k6s DISC VERI Account'number ending in 9388 Get added security with no paper frail Make ycur account information more secure with password-protected statements that only you can access. • Access up to 24 months of downloodable, Sign up today of printable statements. Discover.com/poperless R • See you. statement as soon as it's available ra `7er than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or "ext messages on your mobile phone. • Print a paper copy of your statement anytime. ?? ??--?_?_ ? ?????- ?? ??? 072009 Discover Bank, Member FDIC Closing Date: February 25, 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 currenil billing period: 31 days Purchases $0 0,02532% 9.24% V 9.24% $0 $0 Cash Advances $0 0.03559% 12.99% V 12.99% $0 $0. Balance Transfers $362.38 0.00819% 2.99% F A8.60% $0.91 $72.00 previoijs billing (period: 31 days Purchases $0 0.02532% 9.24% V 9.24% $0 none The roles that aFttily to your Account are either fixed (F) or they may vary (V) as noted above. QUi?,Stions? Manage your account at Discover.com or __II r onn nece^nxirn 11 onn 0 A7 1)4001 ll-"K. Nt $4,969.60 $17600 Enter Amount Enclosed Below Payment Due Date $ April 20, 2009 Please make check payable to Discover Card. Minimum payment due includes a post due amount of $78,00. 25 SDSN6A01 0014708 BERRSER, KELBY D Go paperless and make your account information more secure with password- MOBILE EST protected statements only you can access. 128 SHIPPENSBURG Learn more at discover.com/paperless. SHIPPENSBURG PA 17257-9534 Address, e-mail or telephone change? Print change in space above, or go to Discovercom. Print your e-mail address to receive important Account information and special offers. PO Box 71084 111If mill r,1,III,I,I,ul1,1 CHARLOTTE NC 28272-1084 00000198645881780268504969?60000D0000017600 Discover Open Road Card Account Summary Closing Dater March 25, 2009 page 1 of 2. Account number ending in 9388 Previous Balance $4,867.91 Payment Due Date April 20, 2009 Payments And Credits 20.00 Minimum Payment Due $176.00 Purchases + 39,00 Credit Limit $5,100.00 Cash Advances + 0.00 Credit Available $130.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance Charges + 82.69 Cash Credit Available $130.00 New Balance - $4,969.60 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cpshback Bonus" Opening Cashback Bonus Balance $ 23,09 New Cashback Bonus This Period + 0.00 Redeemed This Period - 20.00 Cashback Bonus® Since Anniversary Month Cash'back Bonus Balance $ 3.09 $11,22 May: ?+ HOW Can We Help You? 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 t0 help Please have your Discover Card available. For TDD (assistance for hearing impoirecl) see reverse .side. 2: Call 1-800-DISCOVER (.347-2683)for fast, easyself-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $o Fraud Uabitityr Guarantee Use your Discover Card with confidence. Trans. Post Date Date Award and Rebate Credits Mar 18 Mar 18 REWARD REDEMPTION CREDIT $ -20.00 Other/Miscellaneous Mar 23 Mar 23 LATE FEE 39.00 Information For You * *ATTENTION* * The day of the month that your payment is due will be changing. Your new Payment Due Date will be printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1, 2009 Your Payment Due-Date wllLcontinue to be at least-25 days from the Closing Date shown on the billing statement. * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Account number ending in 9388 ? L ISOZ Get added security with no paper trawl Make your account information more secure with password-}:protected statements that only you can access. i Access up to 24 months of downloodable, printable statements. • Sere ?ro3rstatement 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 F iD2009 Discover bank, Member FDIC Closing Date: March 25, 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: 28 days Purchases $3019.49 0.06025% 21.99% F 21.99% $50.94 $0 Cash Advances; $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $1882.48 0.06025% 21.99% F 21.99% $31.75 $0 previous billing period: 31 days Purchases $0 0.02532% 9.24% V 9.24% $0 none The rates that apply to your Account are either fixed IF) or they may vary (V) as noted above. Questions? Manage your account at Discover.corn or - -.11 1 nivt r%tr.- 1w4r Al f1. nnn n A-7. ,L nn1 IP?n"? ? , 4 ?? X5,031.97 25 SDSNi3AO1 0014709 BERFIER, KELBY D MOBILE LIST 128 SHIPPENSBURG SHIPP'ENSBURG PA 17257-9534 $275.00 Enter Amount Enclosed Below Payment Due Date $ ?- i May 20, 2009 Please make check payable to Discover Card. Minimum ayment due includes a past due amount onllv00. 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 discoveccom/papertess. PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458817802685050319700098000021500 Discover Open Road Card Account Summary Closing Date: April 25, 2009 page I of 1 Account number ending. in 9388 Previous Balance $4,969.60 Payment Due Date May 20, 2009 Payments And'Credits. 98.00 Minimum Payment Due $215.00 Purchases + 39.00 Credit limit $5,100.00 Cash Advances + 0,00 Credit Available $68.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance Charges + 121.37 Cash Cred t.Avoilable $68.00 New Balance = $5,031.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 3.09 New Co. hback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.69 Cashback BonusO Since Anniversary Month May: $11.22 HOW Can We Help YOU? ' 1. Visit Discover.com to pay your bill for no cost, view your l A 1 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 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. Past Date Date Payments and Credits Mar 26 Mar 26 PAYMENT - THANK YOU $ -98.00 Other/Miscellaneous Apr 21 Apr 21 LATE FEE 39.00 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 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 $3121.97 0.07942% 28.99% F 28.99% $76.86 $0 Cash Advances $0 0,07942% 28.99% F 28.99% $0 $0 Balance Transfers $1808.10 0.07942% 28.99% F -28.99% $44.51 $0 The rates that apply to your Account are either fixed 1F) or they may vary (V) as noted above. I V If A n s• V231.25 25 303WA01 0014710 BERRIER, KELBY D. MOBILE TEST 128 SHIPPENSBURG SHIPPENSB'URG PA 17257-9534 $352.00 ?. Enter Amount Enclosed Below Payment Due Date ?- June 20, 2009 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $131.25. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperiess. Address, e-mail or telephone change? Print change in space above, or go to D'+scover.com. Print your e•maP address to receive important Account information and special offers. PO BOX 71084 I11n?IIn?nI?I,I?IurII?I CHARLOTTE NC 28272-1084 111111111111 Rill 111111 11 1] 11111 111111 0000111986458817802684052312500000000035200 Discover Open Road Card Account Summary Closing Date: May 25, 2009 page 1 of 2 Account number ending in 9388 Previous Balance $5,031,97 Payment Due Date June 20, 2009 Payments And Credits 0'00 Minimum Payment Due $352.00 Purchases + 78:00 Credit Limit $5,100,00 Cash Advances + 0.00 Credit Available $0,00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance Charges + 121.28 Cash Credit Available $0.00 New Balance = $5,231.25 You may be able to avoid Periodic Finance Charge s,' seethe reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 3.09 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.09 - Cashback Bonus)Y .Since Anniversary Month - .' - _ .. _ . . .... . _ _ ... _ ., .... _ .._ _ . _ .: _ . .... .. :. _ .. . . May: $11.22 How Can VY ?e1 You? We p 1 • Visit Discover.com to pay your bill for no cost, view your l t A f ates ccount in ormation, earn and redeem rewards and more It's your chore - 3' Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have yourDiscover 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 May 21 May 21 LATE FEE $ 39.00 May 25 May 25 OVERLIMI T FEE. 39.00 Information For You "ATTENTION" * Your March 2009 billing statement contained a message that your Payment Due Date would be changing. This notice was provided to you in error. Please continue to refer to the date printed at the top of your remittance coupon for your Payment Due Date. While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. * * * ATTENTION "* We previously requested the past due amount on your account, We have no record-of receiving payment. The amount due should be paid at once. L •..?? i Account number ending in 9388 Gei added security with no paper trail Make- you- account information more secure with possword-protected statements that only you can access. • Ac-Cass up to 24 months of downioada6le, Sign up today at Discover.com/paperless p intable 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, 12009 Discover Bank, Member FDIC Firlance Chdrge 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 Purchgses $3237.94 0.07942% 28,99% F 2899% $77.15 $0 Cash Advances $0 0.07942/ 28.99% F 28.99% $0 $0 BaanceTransfers $1852,40 0.0:7942% 28.99% F 28.99% $44.13 $0 Thal rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 6U16stiorr5? Manage your account at Discover.com or II A - n1?-B1 - fl .' A n A-7 nL n71 T $5,542.14 $466.00 Enter Amount Enclosed Below Payment Due Date July 20, 2009 Please make check payable to Discover Card. You 'are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $442.14. 25 SDSNEA01 0014711 BERRIER, KELBY D go paperless and make your account MOBILE EST information more secure with password- protected statements only you can access. 128 SHIFPENSBURG Learn more at discover.com/paperless. SHIPPENSBURG PA 17257-9534 PO BOX 71084 IIIii?II t, ulililrl??illrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I,til1llul1ulrllu111111ln1llllifill l11lnlfr,lr1lr,l1lull above, or go to Discover.com. Print your a-mai3 address to receive important Account information and special offers. 0000111986458817802685055421400000000046600 Discover Open Road Card Account Summary Closing Date: June 25, 2009 page 1 of 1 Account number ending in 9388 Previous Balance $5,231.25 Payment Due (Date July 20; 2009 Payments And Credits 98:00 Minimum Payment Due $466.00 Purchases + 78.00 Credit Limit $5,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00` Cash Credit limit $2;600.00 Finance Charges + 134:89 Cash Credit Available $0,00 New Balance $5,542.14 You may be able to avoid Periodic Finan ce Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 3.09 New Cashback Bonus This Period + 0.00 Redeemed This Period 3.09 Cashback Bonus® Anniversary _ Cashback Bonus Balance $ 0100 Month: May HOW Can wee@I YOU? p 1. Visit Discover.com to pay your bill for no cost, view your l A f d d m atest, ccount in or ation, earn an re eem 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 f'or 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 25 PAYMENT ADJUSTMENT $ 9'8.00 Other/Miscellaneous Jun 21 Jun 21 LATE FEE 39.00 Jun 25 Jun 25 OVERLIMIT FEE 39.00 Information for You * * ATTENTION *'* * Your account is seriously past due, Payment of the amount due and arrangements for future payments-,should be-made-immediately.. , Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3397.64 0.08216% 29.99% V 29.99% $86.54 $0 Cash Advances $0 0.08216% 29,99% V 29.99% $0 $0 Balance Transfers $1898.59 0.08216% 29.99% V 29.99% $48.35 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above I r $5,65.93 25 SDSI?JEA01 0014712 BERRIER, KELBY D MOBILE EST 128 SHIPPEN.SBURG SHIPPENSBURG PA 17257-9534 $516.00 Enter Amount Enclosed Below Payment Due Date $-~--} August 20, 2009 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $554.93. Go paperless and make your account information more secure wrath password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illuilluuililililr„ 1111 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, 000001986458817802685056549300101000051600 Discover Open Road Card Account Summary Closing Date; July 25, 2009 page 1 of 2 Account number ending in 9388 Previous Balance $5,542.14 .Payment Due Date, August 20, 2009 Payments And Credits 101.00 Minimum Payment Due $516.00 Purchases + 78c00 Credit Limit $5,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 finance Charges + 135.79 Cash Credit Available $0.00 New Balance = $5,654.93 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback:Bonue Opening Cashback Bonus Balance $ a00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ " 0.00 Cashback BonusO Anniversary - Month: May YY a Hel You? 1. Visit Discover.com to pay your bill for no cost, view your HOW; Can `A, h 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 1 Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence. Trans, Post Date Date Payments and Credits Jul 25 Jul 25 PAYMENT - THANK YOU $ •101.00 Other/Miscellaneous Jul 21 Jul 21 LATE FEE 39.00 Jul 25 Jul 25 OVERLIMIT FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so. at this time. However, we reserve the right to increase the APRs on your Account if, you fail to pay the minimum payment due by the payment due date. 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. You're just a click away from online assistance. Visit our secure Web site, 24 hours a day, at hops://www,CardmemberAsiistance.com. If you would like to speak with one of our_knowledgeable Customer Service Representatives, please call us at 1.800.347.2683. DI.S. Z a r! ;i, Account number ending in 9388 I DISC V ER Get adilled security with no .paper trail Make ycur 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. Dlscovlel:conn f paperless • See ;tour statement as soon as it's available rather +an 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.' ©2009 Discover Bank, Member FDIC Closing Date: July 25, 2009 page 2 of 2 Fimince IC"halrge 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 Purch?ises $356276 0;08216% 29.99% V 29.9910 $87:82 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 BalanO Transfers $1946,63 0.08216% 29.99% V 29.99% $47.97 $0 The rates that a reply to your Account are either fixed (F) or they may vary (V) as noted above. QuFistlons? Manage your account at Discover.com or nn VVV?_, Y t: $5,878.75 $677.00 Payment Due Date September 20, 2009 25 SDSN6A01 0014713 BERRI'ER', 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 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $778.75. 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 111111111 CHARLOTTE NC 28272-1084 lul??l??l,u?rllurlnlilu?lllln?lnln1??11??1nl?olr1n11 000001986458817802685058787500000000067700 Discover Open Road Card Account Summary Closing Date: August 25, 2009 page 1 of 1 Account number ending in 9388 Previous Balance $5,654.93 Payment Due Date September 20, 2009 Payments And Credits 0.00 Minimum Payment Due $677.00 Purchases + 78.00 Credit Limit $5,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2;600.00 Finance Charges, + 145.82 Cash Credit Available $0.00 New Balance $5 87$.73 You maybe 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: May HOW Can We Hel YOU? p 1. Visit Discover.com to pay your bill for no cost, view your l Its 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 of 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 Aug 21 Aug 21 LATE FEE $ 34.00 Aug 25 Aug 25 OVERLIM IT 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 Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $5725.18 0.08216% 29.99% V 29.99% $145.82 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 15 VE Enter Amount Enclosed Below 1?::1 . Please make check payable to Discover Card. Minimum payment due includes a post due amount of $677.00. $6,108.34 $844.00 Payment Due Date October 20, 2009 25 SDSN6A01 0014714 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 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 1111111111111 11 11 11 If fill 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space IuIilluln?lillurlu??Inilllluilululnll3?IuluLrlnll above; or go to `Discover.com. Print your a-mail address to receive important Account information and special offers. 000001,,986458817802685061083400000000084400 Discover Open Road Card Account Summary Closing Date: September 25, 2009 page 1 of 1 Account number ending in 93788 Previous Balance $5,878.75 Payment Due Date October 20, 2009 Payments And Credits 0.00 Minimum Payment Due $844.00 Purchases + 78.00 Credit Limit $5,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance Charges + 151:59 Cash Credit Available $0.00 New Balance _ $6,108.34 You may be able to avoid Periodic Finance Charges, see the reverse side for details.' Cashback BQnuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 .,:. Ccishback.Bonw(D Anniversdry Month: May HOW Can We Help You? p 1. Visit Discover.com to pay your bill for no cost, view your l t t A t i f i d d d d a es ccoun ormat n on, earn an re eem rewar 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 Liabi)ityGuarantee Use your Discover Card with confidence. , Trans. Post Date Date Other/Miscellaneous Sep 21 Sep 21 LATE FEE $ 39,00 Sep 25 Sep 25 OVERLIM IT FEE 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements For future payments should be made immediately. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE, FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5951.79 0.08216% 29.99% V 29.99% $151.59 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum pa ment due includes a post due amount of $844.00. $6,299.71 1 $1,012.00 Payment Due Date Novem6er'20, 2009 25 SDSN6A01 0014715 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 LIIurlluurlilrl?Ierrllil CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Iuli?Ir?Iu?I?Ilrulul?lu?Ill?rnlululnllnlul??I?I??II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458817802685062997100000000101200 Discover Open Road Card Account Summary Closing Date: October 25, 2009 page 1 of 1 Account number ending in 9388 Previous Balance $6,108:34 Payment Due Date November 20, 2009 Payments And Credits 0.00 Minimum' Payment Due $1,012.00 Purchases + 39.00 Credit Limit $5,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0,00 Cash Credit Limit $2,600.00 Finance Charges + 152,37 Cash Credit Available $0.00 New Balance $6;299.71 You may be able to avoid Periodic Finance Charges, sae 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: May HOW Can We Help You? p 1. Visit Discover.com to pay your bill for no cost, view your la Ac f test count 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 Other/Miscellaneous Oct 21 Oct 21 LATE FEE $ 39.00 Information For You Your Account is overlimit. While we are permitred under the Cardmember Agreement to charge you an Ovedimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Overlimit Fee section of the Cardmember Agreement for details 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 Balances Daily Periodic Rates Nominal ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic FINANCE CHARGES _ Transaction Fee FINANCE CHARGES current billing period: 30 days Purchases $6181.68 Cash Advances $0 0.08216% 0.08216% 29.99% V 29.99% V 29.99% 29.99% $152.37 $0 $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 0 51 r y„ a ,, $6,501.16 25 SDSN16AO1 0014716 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 $1,190,00 li Enter Amount Enclosed Below Payment Due Date $1 December 20, 2009 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $1,401.16. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.cornUpaperless. PO BOX 71084 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. 00000198645887,780268506501],60000000017,9000 Discover Open Road Card Account Summary Closing Date: November 25, 2009 page 1 of 1 Account number ending in 9388 Previous Balance $6,299,71 Payment Due Date December 20, 2009 Payments And Credits 0.00 Minimum Payment Due $1,190.00 Purchases + 39.00 Credit Limit $5,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance Charges + 162.45 Cash Credit Available $0.00 New Balance _ $6,501.16 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bo11ue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: May ?/ N C Y H l 1. Visit Discovencom to pay your bill for no cost, view your an YY a OU OW e p latest Account information, earn and redeem rewards and more It's your choice ` 3 Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. ` 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Nov 21 Nov 21 LATE FEE $ 39.00 Information For You Your Account is overlimit. While we are permitted under the Cardmember. Agreement to charge you,an Overlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your Outstanding Account balance exceeds your Account credit limit. See the Overlimit Fee section of the Cardmember Agreement for details. 1 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 $6377.97 0.08216% 29.99% V 29.99% $162.45 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. $1,321.00 Payment Due Date December 25, 2009 Enter Amount Enclosed Below $ 1 $0.00 30 SDSN6A01 0014717 BERRIER, KELBY D MOBILE EST 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 1: 1 Go paperless and make your account information more secure with password- protected statements only you can access Learn more at discover.com/paperfess. PO BOX 6103 III?r?Il??nrll?lluri?nli CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? Print change in space I?II??IIuuuIII?InIniI?Ilnu?Illl?i?i?Il?IliurtL?iil?ill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458817802685000000000000000132100 Discover Open Road Card Account Summary m Closing Date: November 30, 2009 page I of I Account number ending in 9388 Previous Balance $6,501.16 Payment Due Date December 25, 2009 Payments And Credits 6,501.15 Minimum Payment Due $1,321,00 Purchases + 0.00 Credit Limit $5,100`.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,600.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $0.00 Cashback Bonus" Opening Cashback Bonus Balance $ 0.00. New Cashback Bonus This Period +0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus(D Anniversary Month: May _ How Can We Help You? p 1. Visit Discover.com to pay your bill for no cost, view your l s A i f ate t ccount n 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 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 30 Nov 30 INTERNAL CHARGE-OFF $ .6,501.16 Finance Charqe Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bdances Rates RATES RATES CHARGES CHARD 5 E current billing period: 5 days Purchases $0 0.08216% 29.99% V 29.99% $0 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rates that apply to'your Account are either fixed (F) or they may vary (V) as noted above. D? 5 (Z. R $6,501.16 Payment Due Date January 17, 2010 Enter Amount Enclosed Below 1 - I Please make check payable to Discover Card. Minimum payment due includes a past due amount of $1,321.00. $6,501.16 22 SCSN6A01 0014718 BERRIER, KELBY D MOBILE EST, 128 SHIPPENSBURG SHIPPENSBURG PA 17257-9534 1 ¦ 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 6103 III1[]I111111 111111 1I11I11I CAROL STREAM IL 60197-6103 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. 00000198645881780268506501,16000000006'50116 Discover Openload Card Account Summary Closing Date: December 22, 2009 page l of l Account number ending in 9388 Previous Balance $6,501.1.6 Payment Due Date January 17, 2010 Payments And Credits 0.00 " Minimum Payment Due $6,501.16 Purchases + 0.00 Credit Limit $5,100.00 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 $6;501:16 Cashback Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback BonusO Anniversary Month: May l Y H C H l W H ? 1 • Visit Discover.com to pay your bill for no cost, view your an . p ow e p e e 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 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 LiaWity Guarantee Use your Discover Card with confidence. Information For.You Your Account is overlimit. While we are permitted under the Cardmember Agreement to charge you an Overlimit Fee, we have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. Seethe Overlimit Fee section of the Cardmember Agreement for details. Finance Charge Summary Average Daily Balances Daily Periodic Rates ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic FINANCE CHARGES Fee FINANCE CHARGES current billing period: 22 days Purchases $0 0.08216% 29.99% V 29.99% $0 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rates that apply to your Account are either fixed: (F) or they may vary (V) as noted above, $1,572.00 Payment Due Date February 17, 2010 $6,491.16 22 SDSN6A010014719 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 $ I 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 6103 1111111 loll hill loll 11 111111 CAROL STREAM IL 60197-6103 000001986458817802685064911600010000157200 Discover Open Road Card Account Summary Closing Date: January 22, 2010 page 1 of 1 Account number ending in 9388 Previous Balance $6,501.16 Payment Due Date February 17, 2010 Payments And Credits 10.00 Minimum' Payment Due $1,572.00 Purchases + 0.00 . Credit Limit- $5,100,00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,600.00 Finance Charges + 0.00 Cash Credit Available $0,00 New Balance _ $6,491.16 Cashback Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cash6ack Bonus Balance $ 0.00 'Cashback BonusO Anniversary Month: May How Can We Help You? I. Visit Discover.com to pay your bill for no cost, view your l t A f a est ccount in ormation, earn and redeem re wards and more It's your choice - 3 Ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, ea sy 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 24 Dec 24 PAYMENT -THANK YOU $ -10:00 Finance Charge Summary Average Daily Balances Daily Periodic Rates Nominal ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic FINANCE CHARGES Transaction Fee FINANCE CHARGES' current billing period: 31 days Purchases $0, Cash Advances $0 0.08216% 0.08216% 29.99% V 29.99% V 29.99% 29.99% $0 $0 $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. YOUR D(SCOVEW CARD ACCOUNT CAROMEMBER 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 "Right 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 of 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 Collision Coverage that is provided at no charge to you when you use your"Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE.. .... ............. ......... Page 25 The terms and conditions of this free travel assistance benefit. ©2009 Discover Bank, Member FDIC TL21 H1.0509 CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discove( 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 Permided 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 ...................... ........... ................................ ....... Unauthorized Use ........ ................................... ......................... ........ ......... 3 ............ ..... 3 Your Credit Lines .................................................................... .. ......... 4 f a ) lrr MAKING PAYMENTS ................................................................ !''1 .. ......... 4 Promise to;Pay. .................:....................... .................. ............... 4 Monthly Billing Statement .......:... ............................... . ........ 4 Monthly Payment Options........................ .. ................... .......... 4 Automatic Billing Arrangements ............................... .............. 5 How We Apply Payments ..:............................ ..:........................ ................... 5 Minimum Monthly Payment ........................................................ ......:.......... 5 Skip-A-Payment Offers, ......... ................... ............. .......... ................. 5 Credit Balances .................................. FINANCE CHARGES ....................:........ How We Calculate Periodic Finance Charges ....................... ............. .5 How We Calculate Your Balances ............................................ ................ 6 Variable or Fixed Interest Rates ................................................. ................. 7 Default Rate... ....................... ........................................ ............. ................... 7 Cash Advance Transaction Fee Finance Charges.:. ..... .............. 7 Balance Transfer Transaction Fee Finance Charges ................ ......... ...... 8 Foreign Currency Transaction Fee Finance Charges . .: .........8 Minimum Finance Charge..... .....,.._........... ..... ............ 8 FEES .............. ......... .......... ................. ....... _.......... _. _.........:.......... _:............... 8 AnnualFee ......... :.. ........... .,. ........ ... .......8 Late Fee .................................................................................. .................... 8 Overlimit Fee .......................................................................... ......................8 Returned Payment Fee .................................. ............,............ .................... 8 Retumed Discover Card Check Fee ....................................... .................... 9 Pay-By-Phone Fee ............................. ...................................... . ......... ............ 9 Research Fee............ - ............................................................ .................... 9 DEFAULTAND 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 ..... ............. 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 Severability ................................... ..::........ ........................... ..................... 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 anyone or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule is part of this Agreement. "We," "us" and "our" refer to Discover Bank, the issuer of your Discover Card. "You," "your" or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement. The use of yourAccount or a Card by you or an Authorized User, oryourfailure to cancel your Account within 30 days after receiving a Card, means you accept this Agree-ment, including the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of Disputes section as explained on 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, traveler's checks, savings bonds, foreign currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. . In addition, your Account may be used to guarantee reservations at 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. Your Account 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 Gash Advances in Foreign Currencies. If you make a purchase or cash advancein a foreign currency, 'a will be converted to U:S, dollars using either a`govemment-mandated rate, a government-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. The rate used will be the rate in effect on the 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 foreign 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 specked in the offer, subject to the Default Rate section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. Afte0he 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;Avhich 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-feired balances. Balance transfers subject to the initial special rate are referred to as special rate balance transfers; balance transfers for which the initial special rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. Authorized Users. If you want to cancel the authority of a current Authorized User to use you rAccount or a Card, you must notify us and destroy any Card in that persons 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 underthis Agreement (otherthan 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, $all take City, UT 84130-0943. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our 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, to exceed your Account credit line. If you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line. We may increase or decrease your Account credit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your 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 orfees, 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 ora Card. If you pay us in other than U.S. dollars, we may refuse to accept the payment or charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. If yourAccount is a joint Account, each of you agrees to be liable individually and jointly forthe entire amount owed on yourAccount. We can accept late payments or partial payments or checks and money orders marked "payment in full" or with any other restrictive endorsement without losing any of our rights underthis Agreement. Monthly Billing Statement. We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account during the billing period. It will show your New Balance, Payment Due Date, and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid, your required Minimum Payment Due maybe 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 least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms, including the payment cutoff time, stated on your monthly billing statement, and we will credit your Account in accord-ante with those terms. In addition, we reserve the right to change those terms without prior notice as permitted by law. Automatic Billing Arrangements. If your Account number and/or Card expiration date changes and our records indicate you have automatic billing established with a merchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that 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 appli-cable to the balance of each transaction category (as referenced in the Finance Charges section), generally from lowest to high-est begin-ping with the balance subject to the lowest Annual Per-tentage Rate. We then apply payments and credits to any new transactions using the same method. However, we have the right to apply payments and credits to balances with higher Annual Percentage Rates prior to balances with lower Annual Percentage Rates, such as when there are two initial special rates applicable to your Account and the lower Annual Percentage Rate will expire before the higher Annual Percentage Rate. Minimum Monthly. Payment. The Minimum Payment Due each month will be the greater of: the New Balance if it is less than $15; $15 if the New Balance is $15 or more; or any past due amount plus the greater of: 2% of the New Balance (excluding current Periodic Finance Charges, Late and Ovedimit 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 yourAccount 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 may be insufficient to bring your Account balance below your Account credit line and, consequently, may not avoid the; imposition of an additional Overlimit Fee described in the Overlimit Fee section. Skip-A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business days from receipt of your written request. If you do not request a refund, we will auto-matically refund credit balances greater than $1 that remain in yourAccount 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, unless a transaction is posted to your Account after the close of the milling 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 period 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 payments 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 current billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement.. We call this the "grace period." There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction. category: .(Average Daily Balance) times (days in billing period) times (Daily Periodic Rate). (You may refer to.the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a trans-action category: Now We Calculate Your Balances. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category byadding up all the daily balances in abilling period for a transaction category and dividing the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction 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 transaction will be 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 day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing period, we consider the "previous day's 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 are added to the applicable cash advance trans-action category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rafe 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 Daily Periodic Rate and corresponding 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 11365th of the corresponding Annual Percentage Rate. Variable Annual Percentage Rates are deter-mined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (per-centage points)." For purposes of this Agreement, the Prime Rate is the highest rate of interest listed as the "prime rate' in the Money Rates section of The Wall Street Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your Annual Percentage Rate will increase or decrease when the prime Rate changes. This change will be effective, beginning with the first day of the billing period that begins during the same month as the change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum PaymentDue. Default Rate. Each time you do not make arequired ' payment on time (a "Default Rate Event'), we may increase the standard Annual Percentage Rates for purchases , balance transfers and cash advances to a variable rate equal to the Prime Rate + up to 27.99°/x, but such rate will never exceed 29.99% (the "Default Rate'). At the same time, any special rates on purchases, balance transfers or cash advances will end and the Default Rate may apply. The maximum Default Rate whicti would cunentiyepplyis setforth in your Pricing Schedule. We will base your Default Rate on factors such as: your current APRs -.your payment history with us your general credit history Any increased rate will apply beginning with the first day of the billing period in whit we did not receive at least the Minimum Payment Due by the Payment Due Date. If your standard Annual Percentage Rate for purchases was increased under this or any previous version of the Default Rate section and, for any nine consecutive billing periods thereafter another Default Rate Event does not occur, then your Annual Percentage Rate for your new purchases will be reduced to a lesser variable rate which may be higher than your previous standard Annual Percentage Rate for purchases and your Annual Percentage Rate for your existing purchase balance may be reduced to a lesser variable rate which may be higher than your previous standard Annual 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 period. However, if a Default Rate Event 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 Transaction Fee FIN.A NCE CHARGE of $5 and no maxi-mum. The imposition of Cash Advance Transaction Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee FinanceCharges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges. If the balance transfer offer you receive contains a Balance Transfer Trans-action Fee Finance Charge, we will charge you a Balance Transfer Trans-action Fee Finance Charge for the amount of each balance transfer made under that offer. If there is a Balance Transfer Transaction Fee Finance Charge in conjunction with the offer you received when you applied for an Account, it will be in the amount set forth in the Pricing Schedule. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer Trans-action Fee Finance Charges calculated under the Periodic Finance Charges-seclionfor each balance transfer trans-action category and add up these amounts. Foreign Currency Transaction Fee Finance Charges. We will charge you a Fcreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S dollar amount or each purchase made in a foreign currency. The imposition of Foreign Currency Transaction Fee Finance Cf arges 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 Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts, Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. 1 ¦ FEES Annual Fee. If your Pacing Schedule accompanying your Card includes an Annual fee, we will charge you an Annual Fee in the amount indicated. Wa will charge you this fee when we open your Account and at the beginning of each anniversary year your Account is open. The Annual Fee is not refundable, except as provided by law. Late Fee. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cash advances; balance transfers, other charges, other fees and Finance Charges at the end of the billing period for which we did not receive timely payment. If the sum is $250 or less, the fee is $19; if t is greater than $250, the fee is $39. Overlimit Fee. We will charge you an Overlimit Fee each time that, as of the close of a billing period, your outstanding Account balance exceeds your Account credit line. This fee may be charged even if the transaction which causes you to exceed your Account credit line is authorized by us or if you exceed your Account credit line due to the posting of Finance Charges or fees to your Account. The . amount of the Overlimlt Fee is based on the sum of all. outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period. lithe sum is equal to or less than $500 and you exceed your credit line, the Overimit Fee is $15. If the sum is greater than $500 and you exceed your credit line, the Overlimit Fee is $39. Returned Payment Fee. We will charge you a Returned Payment fee of $35 each time you pay us with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit account from which you have authorized us in writing, electronically or orally to periodically deduct all or a pars of an amount you owe us under this Agreement is returned 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 Returred Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check." Pay-By-Phone Fee. Wemay from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will charge a Pay- By-Phone Fee of $10 for each such transfer or payment, Research Fee. We may charge youa Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we.will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default. You are in default if you become insolvent; 9 you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us; if you are declared incompetent bya court or 9 a court appoints a guardian for you or a conservator for your assets; if you die; if you fail to'comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of Default. If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attomeys' fees and court or other cwllection,costs as permitted by law and as actually incurred by us, including fees and costs in con-nection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Cancellation. You may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that we have provided you. You can notify us by telephoning 1.800-DISCOVER (1-800-347-2683), or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. If your Account is a joint Account, either Cardmember may cancel the Account; but you will both remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend yourAccount at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respect the privacy of information about you and your Account. Our Privacy Policy includes a summary of the personal infor-mation we collect, when 1 may be shared with others, how we safe-guard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement: Reporting to Credit Reporting Agencies. As indi-cated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of yourAccount, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month: If you believe that our report of yowAocount status is inaccurate or incomplete, please write us at the following address: Discover Card, PO Box 15316, Wilmington. DE 19850-5316. Please include your name; address, home telephone number and Account number. Our Communications with You. Our personnel may listen to or record telephone calls between you and our representatives without additional notice to you as permitted by law. We may use any medium, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded tele-phone calls, a-mail and may make calls to your cell phone to contact you about your Account or offer you products or services that maybe of value to you. If you prefer not to be contacted in one or more of these ways, telephone us at 1-800-DISCOVER (1-800-347-2683) or write to us at Discover Card, PO Box 30961, Salt Lake City, UT 84130-0961. Releasing Information About Your Account. We provide various methods by which you can obtain information about your Account. We will only release such information to you, any Author-ized User that our records indicate is an authorized buyer on your Account and any other person with your prior permission, in addition to as pro-vided in our Privacy Policy or as required bylaw. Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, even if with-out your authorization or permission, has gained possession of a Card or has learned other identifying characteristics about you such as your per-sonal identification number, Account number or social security number. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly billing statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices - Changes to Your Information. If you change your e-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683) or by writing Discover' Card, PO Box 30943, Salt Lake City, UT 84130-0943. If your Account is a Joint Account, any notice we mail to an address you have provided for the Account will serve as noticeto both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant and/or any third party for the credited amount. Upon our request; you agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your -appli-cation, the relationships which result from your Account or the anforce-abi ity of the Agreement or any prior agreement, before ini i-ating, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any sup-porting facts; and (2) a reasonable, good faith opportunity to resolve the claim without the necessity of a °roceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, with-out imitation, DFS Services LLC), predecessors, successors; assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover Card PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by counsel, to your attomey 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, statute, common law or equity) between you and us arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you orwe may.elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything else to the contrary in this arbitration provision, only a court, and not an arbitrator, shall deter-mine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, unless such action is transferred removed or.appealedto a different court. Goveming Law and Rules. Your Account involves interstate commerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbi-tration shall be conducted, at the option of whoever files the arbi-tration claim, by either the American Arbitration Association (AAA) or the National Arbitration Forum (NAF) in accordance with their procedures in effect when the claim is fled. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.ora (phone 1-800-778-7879) or NAF at PO Box 50191, Minneapolis, MN 55405 (phone 1-800-474-2371), No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both parties. Unless consented to by all parties, no arbitration may be administered by any administrator that has any foetal or informal policy, rule or pro-cedure that is inconsistent with. or purports to override the terns of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on _a claim or claims with respect to which you would not otherwise be entitled to recover your arbitration fling, administrative and hearing fees, reasonable attomeys' fees and/or other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to Discover Card PO Box 30421, Salt Lakd City, UT 84130-0421. The arbltratorwill 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 oncosts incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court, If requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitra-toe's decision will be final and binding except for any appeal rights under the FAA and:except that if the amount in controversy exceeds $100,000; any party may appeal the award within 30 days to a three-arbitrator-panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administratorand the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Other Beneficiades'of this Provision. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including,. without limitation, DFS Services LLC), predecessors, succe3sors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termi-na-tion of your Account as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. Right to Reject Arbitration, You may reject the Arbitration of Dtsputes section by providing us a notice of rejection within 30'days after receiving a Card, at the following address: Discover" Card, PO Box 30938, Salt Lake City, UT 84130.0938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be sent with any other correspon ence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbi-tra-tion will not affect your other rights or responsibilities and°r this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. if you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Waiver set forth above in the-Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted bylaw. If it is ever finally deter-mined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and oher charges will be reduced to the maximum lawful amount. Arty excess amount that you have already paid will be used to reduce the outstanding balance of. yourAccount or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising. out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof with-out notice to you. You may not sell, assign or transfer your Account with-out first obtaining our prior written consent CHANGES TO THIS AGREEMENT We may change any term or part of this Agreement, including, but not limited to, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed or add any new term or part to this Agreement. If required by law we will send you a notice at least 15 days before the change is to become effective. We may apply any such change to the outstanding balance of your Account on the effective date of the, change and to new charges made after that date. You maybe 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 wilt be deemed acceptance of the new terms as of such effective date, even if you pre-viously notified us that you did not agree to the change. We may also change any term of any product, service or benefit offered in connection with your Account. We will notify you as required by law or by the terms of the product, service or benefit. PRIVACY POLICY We are required by federal law to provide you with a copy of our Privacy Policy each year. If you have previously notified us about your privacy preferences, as described in Section 4, it is not necessary to do so again unless you decide to change your preferences. We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mind knowing that the security of your personal information is our top priority. We understand your concerns about guarding information about you and your Account, We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. It includes a summary of the following important information: A listing of the personal information we collect; The circumstances in which we may share information with other; The ways we safeguard the confidentiality and security of information, and The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. it will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us. and others, from consumer reporting agencies, and from other sources, such as our Web sites. For example: We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. We may obtain information such as Account balances; payment history, your use of yourAccount and the types of services you prefer from your transactions and other dealings with us and others We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. We may obtain information such as your Internet service provider, your e-mail address, your computers operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared with Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the Discover" Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to those 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 not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There area however; circumstances in which we may share the infornation we collect about you, as described in Section 1, with other companies in,order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to adhere to our privacy standards and to use this information only for the limited purpose for which it " was shared. We do not allow them to disclose it to others without our prior approval. a. Sharing Personal fnformatIon with Our Corporate family Our corporate family offers a variety of products and services that can help you manage your finance s. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal Information with Non Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third, parties, including those that accept the Discover Card, in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and non-financial companies, such as retailers. C. Sharing Personal Information with Others We may share the information we collect about you. as described in Section 1, with companies hat perform support or marketing services on our behalf, such as mailing market research and data processing; otherfinancial institutions with which we have joint marketing agreements; or companies that are our partners for co-braid credit card programs or reward programs. We may also share such information as permitted by law. 3: How Do We Protect the Confidentiality, Security and Integrity of Information about You? We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it in order to service your Account or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support services, we require them to conform to our privacy standards. It is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover Card, PO Box 30943, Sal Lake City, UT 84130-0943 so that we can update this information. 4. How Can You Limit Sharing of Information AboDt You? Werespect your privacy and offer you choices as to whether we may share information about you with others. You have the option to tell us not to share the information we coiled about you, as described in Section 1, with non-affiliated third parties. You also have the option to tell us not to share the information we collect about you, as described in Sedion 1, with companies in our corporate family. If you indicate a preference for either of these options, please understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources, or manage your finances. To indicate your preferences, please callus at 1-800-225-5202 or write to Discover Card, PO Box 30961, Salt Lake City, UT 84130-0961. If you have previously notified us about your privacy preferences; it is not necessary to do so again unless you decide to change your preferences. Your written request should include your name, address, telephone number and Account number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and not through a third party. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor your request and not share this information except as permitted by law. For example; federal law permits us to share information about you with consumerreporting agencies, service providers and financial institutions with which we have joint marketing agreements. If you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, please understand that you may continue to receive marketing offers directly from ether companies that were already in production prior to the processing of your request. This Privacy Policy is provided to the primary Cardmember listed on the Account. However, any joint Cardmember has the right to notify us about preferences and we vAll treat that request as applying to the entire Account; We do not share information about former customers, except as permitted by law. This notification supersedes all previouslyissued Privacy Policies. We reserve the right to amend this Privacy Policy from time to time and we will notify you if we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC InsuranceAgency, Inc. and Discover Products Inc. Unless otherwise specified, it applies to the family of Discover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). It is part of your Cardmember Agreement and provides a further explanation of how we collect and share information. You may have other rights under state laws that apply to this information. Please, note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 1-800-DISCOVER (1-800-347-2683) and authorize us to do so. California Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of CaI'rforia. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Ad. ?. 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 2 transaction on your bill, write us on a separate sheet of paper at the address listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not, preserve your rights. In your letter, give us the following information: your name and Account number. your dollar amount of the suspected error. describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. 2. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either cored the error or explain why we believe thebill was correct. After we receive your letter, we cannot try to collect any amount you question or report you as delinquent. We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that ore,not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount -you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent However, if our expinnation-does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in yourhome state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. 4. Purchases Made with Checks or Cash Advances The Special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discover Cardmembers are provided with $500,000 Scheduled Air Travel Accident Insurance.* You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) will be automatically insured against Accidental Loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft or a conveyance operated by a military transport service or riding as a passenger in or entering or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immedi-ately preceding the departure of a , Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the arrival of a Scheduled 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 Benefd Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMIT OF INSURANCE: If more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance ($20,000,000) per Accident. If an Accident results in Benefit Amounts becoming. payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limit of insurance will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount, In the event of multiple Accidental deaths per Account arising from any one Accident, the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance. DEFINITIONS: Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. Accidental Bodily iniurutiesl means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. 8uoat means a card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account, mid means the Discover Card Cardmember means the holder of the Card whose name appears on the credit card. Companmeans the Federal Insurance Company. Covered Trip means travel on a Scheduled Aircraft when the entirecost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account. Dependent Child or Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanently mentally or physically challenged, and incapable of self support; or (3) Under the age of 25 and classified as full-time students at an institution of higher learning. Domestic-Partner means a person who: (1) is at least 18 years of -age and competent to enter into a contract; (2) is not related to the Insured Person by blood; (3) has exclusively lived with the Insured Person for at least one year prior to the date of enrollment; (4) is not legally married or 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 nor the Domestic Partner can be married to, nor in a civil union with, anyone else. H=W means the covered circumstances forwhich this insurance is provided as stated in Section III of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Desorption of Coverage. Insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. LM means the Loss of Life. Loss of Life means death, including clinical death determined by the local governing medical authorities. Polrcyhoider means DFS Services LLC, the entity responsible for the payment of premium. ScheduledAircraft means an aircraft owned and/or operated by a Scheduled Airline. Scheduled Airline means an airline which is either of United States registry and certified by the United States government to cant' passengers on a regularly scheduled basis or of foreign register and approved by the United States government and the appropriate foreign authority. )& means hostilities following a declaration of War by a government authority. If there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFITS: If the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Aircraft or conveyance in which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, that the Insured Person has suffered Loss of Life covered. under this policy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Insured Persons auto-matically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmembers Account while the insurance is effective. It is not necessary for you to notify the Policyholder or the Company when Scheduled Aldine tickets are purchased. EFFECTIVE DATES: Your insurance under this insurance plan is effective on the later of 1) April 1, 2007; or 2) the date you become an eligible 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) your brothers and sisters, e) your.estate. All other indemnities will be paid to you. If you wish to change your beneficiary, you may request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at Beneficiaryrequest@TheDirectMG.com. EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an Accident occurring while an Insured Person is in entering or exiting any aircraft owned, leased or operated by this Policyholder or any aircraft owned, (eased 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 charterbasis), (2) an accident while an Insured Person is in, entering or exiting any aircraft while acting ortraining as a pilot or crew member (this exclusion does not apply to passengers who temporarily perform pilot or crew functions in 2 life threatening emergency); (3) emotional trauma, mental or physical illness; disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you should send the 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 possible. Failure to give complete proof of Loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of Loss. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of the policy. ARBITRATION: In the event of a dispute under this policy, eitherthe Corn-pany or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbflra-tor. The two arbitrators will select a third. If they cannot agree within 15 days, eitherthe Company or the Insured Person may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured Person's principal residence. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0 (1-800-252.4670). You can also go to the Company Web site (www.chubb_com), click on Report a Loss, select Accident, Benefits and Life claims, select the appro-pri-ate form, print out the claim form, fill out and.mail. You can file a claim by mailorfax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300-2538 As a handy reference guide, please read this and keep lt in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Complete policy provisions are contained in the Master Policy, which can be obtained from the Policyholder: Policy #9906-18-06 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a memberinsurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, New Jersey 07061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discovers Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a vehicle for 31 consecutive days or less (or 45 days under certain circumstances described below) with your Card (as defined below), you may be eligible for benefits under this coverage. Excess Collision Damage Waiver is an insurance program, underwritten by Federal Insurance Company Policy #9906-17-63 (the "Policy"). DEFINITIONS: Account means a Card account. Actual Cash Value means the cost to repair or replace the Rented Auto-mobile at the time of loss, less depreciation; Gardmember means the holder of the Card whose name appears on the credit card. Q? means the Discover Card. r Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include doss caused by missiles, falling objects; fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. Comoanv means the Federal Insurance Company. Insured means Cardmembers and authorized users of the Account. Polcyl liter means'DFS Services LLC, the entity responsible for the payment of premium. Rental Adencv means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means a four-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: The Collision Damage Waiver Coverage is provided to you, as an Insured; automatically when the entire rental fee for the Rented Automobile is charged or debited to your Account. it is not necessary for you to notify the Company at the time the rental fee is charged or debited to your Account. You must decline the toss/Damage Waiver offered by the vehicle Rental Agency. You must rent the vehicle in your own name and sign the vehicle rental agreement/contract. The coverage period will not exceed 31 consecutive days, or 45 consecu-tive days if the Insured is an employee of an organization which has pro-vided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder as required, and subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liability will be for a maximum reimbursement of $25,000. In no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. if you or aninsured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts not covered by other insurance: This coverage is not all-inclusive, which means it does not cover such things as personal injury or personal liability. It does not cover you for any damages to othervehicles or property. It does not cover you for any injury to any party. WHO IS COVERED: Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles; trucks; recreational vehicles, campers, pickup trucks, and mini-buses; limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds $50,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: Coverage applies to vehicles rented in the United States and Canada only. Coverage is not available where prohibited bylaw.. _.- WHAT IS NI COVERED Coverage does not apply to loss resulting from the following: Any dishonest, fraudulent or criminal act of the Insured. Forgery by the Insured. • Loss due to war or confiscation by authorities. Loss due to nuclear reaction or radioactive contamination. The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and property for hire. Use of the Rented Automobile by a person other than the one author-ized to operate the Rented Automobile by the terms of the Rental Agreement. Loss of use of the Rented Automobile. Intentional damage to the Rented Automobile by the Insured. Damage which is due and confined to wear and tear, freezing, mechani-cal or electrical breakdown or failure. Damage to tires unless the loss is coincident with a covered loss. Use of the Rented Automobile in tests, races or contests The Rented Automobile being operated or located in any territory pro-hibited by the terms of the Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days if.the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance cover-ing the Rented Automobile. However, the insurance provided under this plan may be primaryif specifically provided for under the tennis of this plan and if the following criteria is met: (a) the Rented Automobile is rented for use outside the United States, its territories and possessions; (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c) the Rented, Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CL-AIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS.SERVICE CENTER AT 1-800-CLAIMS-0 (1.800-252.4670). You can also go to the Company Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300-2538 CLAIM PROCEDURE: The Insured must send the Company ATitten notice of a claim, including the Insured's name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative; A copy of the Account statement showing the automobile rental transaction. A copy of the automobile rental agreement. A copy of the police report. A copy,of the initial claim report submitted to the automobile Rental Agency. A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance tamer(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 is not a contract of insurance but is simply an informative state-ment to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of-insurance are contained in the master policy on file with DFS Services LLC, herein referred to as the Policyholder. If a statement in this Summary of Coverage and any provision in the policy differ, the policy Will govern. Policy Underwditen 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 Mountain View Road, PO Box 1615 Warren, New Jersey 07061-1651 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising, and/or brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. Cancellation: Policyholder' can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days in advance. If the Company terminates, cancels, or chooses not to renew the coverage to Policyholder, you will be notified as soon as is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or ently 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 benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void A, at any time, the Insured has concealed or misrepresented any material fact orcircumstance concerning this coverage or the subject thereof or the interest of the insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void if, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepre-sented any rratedatfact or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud or false swearing by the Policyholder or its subscribing' organeza-tion(s) relating hereto. Addition of New Insureds: All eligible persons will be automatically insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonably required by the Company, will submit, and within its power cause others to submit, to examinations under oath and will produce for examination all writings, books of account, bills, invoices and other vouchers, or cerfrfied copies thereof if originals are lost, at such reasonable time,and place as may be designated by the Company or As representative, and will permit extracts and copies thereof to be made. No such examination under oath, exami-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 of any defense and such acts shall be deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others: This coverage will in noway inure directly or indirectly to the benefit of any insurer, person-or organization or other bailee. Subrogation: It is a condition of this insurance that ifthe Company pays the Insured for a loss, A 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 orsubrogate 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 the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration: In the event of a dispute under this policy, either the Company 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 ati-trators will select a third A they cennot agree within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in'the state of the `Insured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Global Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits: It is operated by AXA Assistance USA, Inc. VsA Discovercard.com/travel to learn more. Eligibility- You must be a Cardmember whose Account is in good standing, the Cardmember's spouse or dependent child traveling with the Card-member or an Authorized User of an Account in good standing. Third-Party Charges. Global Travelers Hotline is not insurance, so you will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Call us at 1-800-DISCOVER (1-800-347-2683) for assistance or if you have questions about a specific destination. Outside the U.S., call us collect at 1-801-902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided orfor any services that are provided by third parties. The services and these terms and conditions are subject to change without notice. 1 r 't5. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA. Kelbl DP?+(ier RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form: PETITION FOR A.I'POIN'J'MFNT OF AR> YFRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: counsel for the plaintiff/defendant in the above acti or actions), respectfully rep e ents that: 1. The above-captioned action (or actions) is (are) at issue. ?-? (0 ° 1 L 2. The claim of plaintiff in the action is $ G I 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: FORE, your petitioner pra s your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, , f. ORDER OF COURT AND NOW, , 20f d , in consideration of the foregoing Vv(.Z Esq., and petition, Esq., and _ Esq., are appointed arbitrators in the above captioned action (or actions) as prayed for. r ? f ?. ?ti l l (f ! er /rt;t l3c-l. By the C , kvin A. Nc&s PS $aCoo pb p-rN CrQogi a1a /a.?S?tD 2? a5pg53 li 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 Z day of N0)ygM)agjK , 2010 upon the following: Kelby D Berrier 128 Shippensburg Mobile Shippensburg Pa 17257 By: PA I V# 93T8 Welt an, .,Weinberg & Reis CO L.P.A. 1400 ppers Building 436 Seventh Avenue Pittsburgh, PA 15219